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It was another week of delays for the City to post its video account of Monday's session to the newly renovated City Website.
With Monday's Council session not available on the city's portal until Thursday.
Thus, once again our accounts of the work of the Mayor and Council for this week is a tad delayed, from our usual turn around period.
Council opened up Monday's proceedings with the usual administrative duties, followed by a much anticipated presentation from a representative of Pinnacle Renewable Energy, there to provide an update on recent developments at the west side pellet shipment terminal.
Following that presentation, Council received reports from the City Manager and City's Financial Officer and reviewed requests for letters of support.
The session wrapped up with the City's Councillors addressing the closure of the city's flight service station by Nav Canada and a lengthy review of a change to the status of some land in the Westview Park area.
Prior to the Monday night public session, Council continued on with what is a rather common theme of the last year, with Council once again sitting in a closed session earlier in the evening.
The background of the evening can found on the Regular Council Agenda of the night.
The timeline of the Regular public council the proceedings can be found in red below, tied in with the City Council video feed archived below.
Further information such as minutes and permanent placement in the video archive can be found below as they are posted to the city Website.
In Attendance June 9, 2014
Mayor Jack Mussallem-- Present
Councillor Anna Ashley-- Present
Councillor Judy Carlick-Pearson-- Absent
Councillor Barry Cunningham-- Present
Councillor Gina Garon-- Present
Councillor Nelson Kinney-- Present
Councillor Joy Thorkelson-- Present
Video Archive for June 9, 2014
(0:00--8:00 ) There is a short delay on the video before the The Mayor opened the Evening Session, providing for the adoption of the Agenda and the reading of past minutes into the record.
Presentations to Council
(8:00--1:19:00 ) Mr. Vaughn Bassett, Vice-President Sales and Logistics from Pinnacle Renewable Energy, with a presentation and some background on the opeartion of the west side terminal in the city.
Pinnacle Vice President Vaughn Bassett, provided the multi media review of Pinnacle's operations across the province, from the forestry lands that they access their product from, through to the process of creating the pellets, as well as an overview of operations at the Westview Terminal.
As for the notes on the local terminal, he provided a fairly expansive explanation of the process of receiving and then shipping the pellets out of the Terminal site, highlighting some of the features of the plant designed to reduce the impact of the terminal on the community.
He addressed some of the concerns that have been raised in the community, dealing with the issues of noise, dust, wood smell and Pinnacle's community path. He stressed that Pinnacle was indeed engaged on those issues and offered further explanation as to how they plan to address them.
Some of their fixes have been put in place already with continuous improvement taking place. They continue to explore other potential solutions.
He outlined how the Commissioning phase will continue for the remainder of the year, with Pinnacle hopeful that all issues will be addressed by that time.
Following the presentation, the session was turned over to the Council members to offer comments and ask questions of Mr. Bassett,
The Mayor reminded their guest about the dust and noise concerns that Council has received since the plant opened.
Councillor Kinney inquired about the nature of the testing equipment that is to be in place at the site.
Councillor Garon's question also involved aspects of the monitoring equipment in place, asking for clarification as to how far that monitoring equipment evaluates the conditions asking if they still used mobile units.
She was advised that the mobile units were in place by the port
Councilor Ashley asked as to the issues on dust mitigation and how the situation today differs from what they were told during the Environmental Assessment process, how they were told that there would be no dust from the terminal operations. Outlining her concern over being told one thing and having something different take place. She outlined her own personal observations as to the dust conditions that currently exist at the terminal and offered some suggestions on how to address them.
She and Mr. Bassett examined many items of note on the loading of pellets into the ships and the process that is required in that loading. Also addressed were issues of aeration and the smell of the pellets that has made for discussion in the area in recent months.
Mr. Bassett outlined that the smell and the dust for that matter are not health issues, but he did accept the notion that they have become a nuisance factor.
Councillor Ashley also addressed the question of the waterfront area and the proposed pathway that has since been abandoned as a workable option at the site. She asked if Council were able to bring CN to Council chambers to discuss the waterfront, would Pinnacle be willing to attend that session as well.
Mr. Bassett outlined to her the relationship between Pinnacle and CN and offered up some caution on how to approach the railway on the issue.
Councillor Cunningham outlined his concerns over wood dust and the dangers that it poses, he also expressed concerns over the schedule in place to load the ships owing to weather conditions. He particularly expressed his thoughts on the loading of vessels overnight and the noise issues that the loading process is causing to the neighbourhood.
He also outlined the concerns from neighbours regarding wood dust issues on their decks, homes, cars and property.
The response offered up the prospect of more monitoring points in the adjoining area, so as to test what the dust is and to learn how they could reduce that impact from the terminal point.
Mr. Bassett reviewed the operating window regarding the loading process that the plant works under, with the timeline of operations from 8 AM to 1 AM, noting that the company had voluntarily stopped the train yard operations earlier in the evening.
He advised that the company wasn't making any plans to limit its loading operations to daytime hours only. Stating that he didn't know where that concept came from.
Councillor Cunningham took issue to that declaration suggesting that they had indicated they would operate only during weekday operating hours. The next item on Councillor Cunningham's list was a desire to see Pinnacle Pellet become more engaged in the community, suggesting that they lend assistance to working on trails in Moresby Park, the Rushbrook Trail and other areas that recreation items need to be developed.
On the topic of the testing process in the neighbourhood, Councillor Cunningham suggested that rather than using an independent third party to handle the testing, that Pinnacle should be making those efforts on their own so as to better address the issues in a quicker fashion and seek out solutions to the findings.
For his last point, Councillor Cunningham had concerns over the venting process, offering up some observations on what he believes could be put in place to improve the process.
The Mayor asked that Mr. Bassett re-attend Council in September to deliver a progress reports of sorts on the issues of concern expressed by Council. Outlining how it's a great amount of inconvenience to community and not something that can go on indefinitely.
Councillor Ashley then returned to her concerns over what Council was told during the EA process in the way of promises and how it has become frustrating to now find out that what they were told at the time is no longer there. She also reinforced the need to have a better indication as to the timeline in place to address the concerns outlined by Council.
Expressing her belief that the people of Prince Rupert have been very patient, but that it is growing thin and how providing an idea as to when the issues will be addressed would be better for all.
Mr. Bassett advised that he would be willing to attend to Council in September to provide an update of the issues of note.
Councillor Thorkelson took to the microphone then to echo the rest of Council's disappointment in Pinnacle, touching on the themes presented by Councillor Ashley regarding promises of no dust and no noise at the time of the proposed development and the reality of what is in place now.
She expressed the sentiment that Pinnacle does need to meet with the Port, having consulted her notes to suggest that the Port had promised a mobile unit to test in various parts of town. Suggesting that if the port does still have that equipment that it be put into use to evaluate the dust and other concerns.
She also directed some of her thoughts to the Vice President asking if he had seen the photos of billowing dust, suggesting that if he hadn't had them forwarded someone at Council would be more than happy to send them to him.
She also made an observation that the Port might not be forwarding those photos to them.
Mr. Bassett advised that he had seen the photos and that they had been forwarded through the process that they had set up for such engagement. He further said that he wasn't happy about those images and that Pinnacle wanted to be good neighbours.
He outlined how they were taking the issue very seriously, that they were sympathetic to the issues, apologetic for them and the message is that they have been and will continue to take strides to get to the bottom of it all.
Councillor Ashley inquired if there was any plan by Pinnacle to meet with the concerned citizens in the future, Mr. Bassett reminded Council of their plan for the Open day in July or August, but did say that it was something that they would try to put together.
Councillor Cunningham suggested that it take place on a Sunday and that they host a BBQ as part of the consultation session.
The Mayor brought the presentation to a close with his thanks for Mr. Bassett's attendance and a note that he was looking forward to seeing him again at the end of September.
Reports and Recommendations
( 1:19:00-- 1:20:00 ) Report from the City Manager -- A recommendation to appoint Richard Pucci, the City's Engineering Coordinator to the Mainland Solid Waste Committee for Skeena-Queen Charlotte Regional District.
Councillor Garon asked how many people from the city were sitting on that board and was advised that two city staff members sat on the board.
( 1:20:00-- 1:22:00 ) Report from the City's Financial Officer -- Presentation of the Statement of Financial Information for 2013, with assorted schedules on salaries, payments to vendors. Council approved and received the statement. Councillor Ashley thanked Ms. Bomben for her report and reminded residents that it's another useful tool for obtaining information.
(See our item on the report here)
Councillor Cunningham inquired as to what were considered Council members expenses, he was advised it was such items as expenses from UBCM and other meetings.
The motion was adopted
Correspondences for Action
(1:22:00--1:23:00 ) A request from the Helijet base for Council's support for a flyover and public viewing display during Seafest. Mr. Long outlined the background on the request from Helijet.
(1:23:00--1:25:00) A Request for a letter of Support for a Dialysis facility for Prince Rupert -- Councillor Cunningham asked that the letter be forwarded to the Northwest Regional Hospital Board as well as having one forwarded to Regional District for their support.
(1:25:00--1:46:00 ) Report regarding the Westview Park Property -- Mr. Long provided an overview on the nature of the report and the property in question. Outlining how the parcel of land had been sub-divided and through the passage of time, the covenant of Chapter 59 that was on other properties was not in place. The neighbours in that area would now like to see covenant put in place on the land in question.
The Mayor and councillors asked questions of the vacant lot in that location and if they moved forward with this request what options would the City have to consider. Councillor Garon asked for a report from Staff, to provide more information for Council to consider. Councillor Ashley also touched on a note from Mayor Mussallem about the need to discuss the issue with the School District which controls a portion of the land in question.
The Mayor also suggested that the City Manager seek out a legal opinion on the issue. Councillors Cunningham and Thorkelson referenced past work done by Bill Horne on the issue and suggested that he had already delivered the opinion that they need to consider.
Councillor Ashley then outlined some past incidents of school land reverting to the province for other uses, changing her opinion and then throwing her support behind Councillor Thorkelson's thoughts. Councillor Cunningham again reiterated his position that Council should move forward and make the change requested. Councillor Garon again urged Council to seek a report on the issue.
The Mayor then suggested that the issue be tabled, with a proper report delivered from staff so as to make a proper decision. The motion to table the issue was defeated, with Councillor Garon and the Mayor in favour, all other council members in attendance were opposed.
Councillor Ashley then put forward the motion to put Chapter 59 in place on the lots in question. She also provided a more expansive answer as to why she had changed her mind on the topic and what Council should consider regarding it.
Councillor Garon once again raised her concerns about doing the process properly.
Councillor Thorkelson suggested that to her it is a very clear issue offering her thoughts on how Council should proceed.
With the discussion at an end, Council voted on the motion with Councillors Ashley, Cunningham and Thorkelson in favour, while Councillors Garon and the Mayor were opposed on a procedural basis.
Additional Items for Council
(1:46:00--2:03:00 ) Nav Canada decision to close the Flight Services Station in the City.
The Mayor outlined the background on the decision and advised that the Airport Authority had first learned of the change in service level about a month ago. He observed that the timing of the decision is questionable, with expectations that air traffic in the community could be expected to increase in the next six months.
He also made comment as how it was another example of yet another reduction in service to a key aspect of requirements of North Coast .
Council then discussed the issue, with Councillor Ashley explaining that she first heard of the closure through an article in the weekly newspaper, outlining why she had requested that it be considered at the Council session. Highlighting her concerns over safety for the community.
She recommended that the City launch a letter writing campaign to government officials, MPs and the MLA for the region.
The Mayor asked for an overview of the purpose of Flight Services in the region. Following his thumbnail sketch of what services they provide, Council returned to their discussion on the Nav Canada decision.
Councillors Garon and Cunningham both offered their thoughts on the topic, with Councillor Cunningham outlining the nature of the flight movements at the Seal Cove airbase and his understanding of the planned expansion of flight offerings from it for the future.
He also urged the City to embark on a letter writing campaign to as many agencies as possible, to make their concerns known on the issue of the closure of the station.
Councillor Thorkelson joined in on the call to send letters adding a number of potential destinations for the correspondences to be directed, including the Senate which she believes would find the issue of interest as part of their past work regarding lighthouse de-staffing across Canada. She also recounted an interview from the CBC of earlier in the day with former Councillor Ken Cote, a pilot who offered up his thoughts on the closure and the impact that it would have on the community.
Councillor Garon recounted her attendance to the Senate hearings on lighthouses and how former Councillor Cote's comments on aviation were of particular interest to them, she then suggested that any letter also be forwarded to the Senate.
Councillors Cunningham and Ashley added a few more points and potential destinations for the City's letter of concern. With Councillor Garon suggesting that stake holders such as the LNG proponents and the Port also be included in the letter writing campaign.
The Corporate Administrator outlined the scope of the letter to be sent out and the list of potential recipients.
Councillor Thorkelson then suggested a two tiered approach, with one letter to be sent out right away and a second one to seek the support of surrounding communities.
Council adopted the motion to forward the letter of concern.
Reports Questions and Inquiries from Council
(2:03:00--2:04:30 ) Councillor Ashley made note of an item on Legacy Grants from Northern Health and suggested that it be forwarded to the Recreation Commission. The Mayor advised the City Manager to make sure that the Recreation Coordinator was aware of the program.
(2:04:30--2:06:00 ) Councillor Thorkelson provided an overview of the expectations from the 2014 Salmon Season.
( 1:29:00-1:38:00 ) The Mayor's Report
The Mayor outlined recent conversations with Canadian National Railway and outlined their support for Seafest.
He advised as to his participation in discussion on LNG with Minister Rustad, as well as opportunities for First Nations in the region and the nature of treaty negotiations in the province.
He participated in a North and Central Coast Ferries Advisory meeting and advised council as to some of the findings of that meeting.
The Mayor attended the Graduation ceremony for Charles Hays Secondary School, providing congratulations on behalf of the council and community.
He met with Federal Minister of Natural Resources Rickford to discuss LNG opportunities and the city's concerns regarding a black liquor spill at Watson Island last year involving the Federal Government Ministry, as well as the increasing nature of vessel traffic at the port in the region and the upcoming closure of the city's flight service station.
He relayed that passenger numbers at the Prince Rupert airport are up by five per cent from last January.
He and Councillor Carlick-Pearson ended the opening of the Eco Trust Canada Fisheries Observer program.
The Mayor attended the Spectra Gas Open House regarding their West Coast connector project.
He also attended and provided a welcome to the Rising Above healing conference.
The Mayor met with the Royal Canadian Navy commander for the region who advised that the Navy dive tender will participate in Seafest.
He outlined that the Recreation Department Guide is about to be delivered to homes across the region.
He advised that the Recycling centre is about to commence construction of its 24 hour recylcing station.
And the Mayor advised as to the nature Red Serge march from the RCMP detachment as part of their commemoration of the slain officers in New Brunswick.
Councillor Kinney outlined his attendance at the opening of an electronics shop on behalf of the Mayor, in attendance with him were Councillors Cunningham and Garon.
The Mayor then outlined that a new hearing clinic is about to set up in town.
With that the Monday session of Council to an end.
You can access the City Council Review page for June 9th here, where a number of items regarding the council session, including links to media coverage of it can be found.
As always, consult with the official minutes from the City, when posted to the website for further review.
Minutes Regular Council Session from June 9, 2014
Posted by . at 12:54 PM
Labels: City Council Timeline June 9 2014


Is a Product Manager a Business Analyst?
We talk often about Product Managers and believe that their role is very similar to that of a Business Analyst. Like all job titles, Product Manager is used differently by different organizations. Generally they are responsible for eliciting requirements from customers (who may be internal or external), analyzing and documenting the requirements. They also assist with prioritizing requirements and work with the technical solution team to get the requirements implemented properly. Often Product Managers are located within the Marketing and Sales functional areas in a company.
In terms of skills needed to be a Product Manager, they are many of the same skills that we look for in a BA. I would list the ability to see the big picture and also be able to be very detail oriented. They must be good listeners, help customers articulate their needs, and ensure the product is built right and meets customer needs. In many organizations they also manage requirements changes, and are responsible for prioritizing requirements by their importance to many customers. Product Managers often have to make choices about which customers will get their requests first. This is a delicate balancing act!
As you have pointed out correctly, a Product Manager is invariably in the Sales and Marketing , or in the product Management Group of a Product company. The job of the Product Manager is to define the roadmap for the product and prioritize the development of various features. But the Business Analyst is the person who works mostly with the implementation team and gathers the client specific requirements that needs to be customized into the product.
I take that to mean that the Product Manager is normally a different person from the Business Analyst. To some extent, I agree, but, like so many of the topics we discuss about Business Analysis, I feel that this one falls under the heading of "It depends…" It depends upon the company; it depends upon the industry; it depends upon the maturity of the internal organization. For those companies that have the luxury of having specialized Marketing and Business Analyst personnel, Braja notes the accurate business paradigm.
At one point in my career, I held the title of Product Manager. Working for a COTS (commercial, off-the-shelf) software company, I was the one who worked with "…Sales and Marketing, or in the product Management Group of a Product company", and I also "…work[ed] mostly with the implementation team and gather[ed] the client specific requirements…" However, rather than finding requirements that needed to be customized into the product, I had to *generalize* customer requirements into the off-the-shelf product.
Had I been a qualified BA at the time, I would have been able to do my Product Manager job in a much more effective manner. Like Barbara noted, doing the marketing work *and* working with customers to determine their long-term requirements was a balancing act.
I had an email discussion with Scott Selhorst from Tynerblain about this very topic last week.
He consults on Product Management and Business Analyst skills and techniques and posts an excellent blog.
Our discussion ended with the agrement that the main difference is that a BA is working on a one (or few) customer product where a PM is working on a product which will be marketed to many customers.
How does that sound as a differentiation?
Bingo!* That's why I use the term "generalize" in my comment above. A Product Manager has to be able to take specific input from a number of customers and then create a detailed requirements set that will satisfy everybody. Tough gig.


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package cloudcallcenter

//Licensed under the Apache License, Version 2.0 (the "License");
//you may not use this file except in compliance with the License.
//You may obtain a copy of the License at
//
//http://www.apache.org/licenses/LICENSE-2.0
//
//Unless required by applicable law or agreed to in writing, software
//distributed under the License is distributed on an "AS IS" BASIS,
//WITHOUT WARRANTIES OR CONDITIONS OF ANY KIND, either express or implied.
//See the License for the specific language governing permissions and
//limitations under the License.
//
// Code generated by Alibaba Cloud SDK Code Generator.
// Changes may cause incorrect behavior and will be lost if the code is regenerated.

// CategoriesInListFlowTemplates is a nested struct in cloudcallcenter response
type CategoriesInListFlowTemplates struct {
	Category []CategoryInListFlowTemplates `json:"Category" xml:"Category"`
}

redpajama_set_name: RedPajamaGithub


Alex Barron-Hough is a London based photographer and TIGI's Creative Production Director. He's worked for the brand for over a decade, after a chance meeting with its founder Anthony Mascolo as a teenager.
His mother was one of Anthony's clients – "she'd seen an interview in Vogue with Anthony after his 3rd British Hairdresser of the Year award and immediately booked for him to cut her hair". After some chasing ("I sent him three letters offering to work for free") Anthony called and offered him an assistant job at the new Bed Head Studio. Here, he built his foundations working on various areas within the business, before finding his feet in production and photography.
These days, his role as Creative Production Director involves "taking an idea from conception to delivery; there is never a dull moment". As a photographer, he has a love of documentary and reportage, and he captures all the behind-the-scenes action at TIGI's live shows and fashion shoots. He also documents their looks both backstage, and on the runway at Fashion Week – for designers such as Christopher Kane, Iris van Herpen, Mark Fast and Paul Smith. We spoke to him about his icons, inspirations, and shooting for the hair industry.
What inspires you? I have always been excited by scale, 'being the biggest and the best'. But I also love anything that I can see has a phenomenal attention to detail. This could be architecture, design, watches, furniture… Pure craftsmanship and perfection always turns me on.
You've photographed many hairdressers' entries for the British Hairdressing Awards. When working with hair creatives, how do you translate their artistic vision into imagery? I think that it's important to work in complete harmony with the client. Communication and trust are key to building relationships so I can second guess their every thought when looking at the job in hand… I'm very grateful to have worked with some of the biggest names in the industry and I look forward to working with many more!
Do you have a favourite image or shoot to date? I love any image that captures a moment in time perfectly. One image in particular that springs to mind was from the 2013 TIGI World Release in Dallas, of the multi-coloured bobs from behind (above). I thought quickly on my feet and ran onto stage to capture it, it's brilliant as the lights create the perfect level of atmosphere.
What are the most satisfying and challenging aspects of your profession? The professional haircare industry has become my life, I'm never not working in some form, so it can be a challenge trying to switch off. But on the flipside, the friendships I've formed are incredible and I feel lucky to be in a world full of such passion and creativity.
If you could photograph anyone's hair, dead or alive, who would you choose and why? I've always been a huge music fan, so I would love to have been around in the late 60s to photograph icons such as Jimi Hendrix or Keith Moon. It was a time of pure passion and change; I suppose I have a thing for icons and pioneers.
What advice would you give to a young photographer starting out today? I would say anything you do, do with 100% passion and commitment and enjoy the journey, no day is ever the same. Be prepared for it to take over your life.


Graveyard scene wood corner design comes with cut out detailing and is ideal for Halloween, horror or seasonal projects. Laser cut from 2mm MDF, wood corner is available in 3 sizes - select your choice from the options above. You can also chose from left or right hand designs to compliment your project perfectly.


Best match results for swimming schools for kids in Wyoming + 30km.
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This is a unique story of a young couple who welcomed the challenge to traverse the treacherous but romantic Missouri River, the longest on the continent, from near the source until its water mingled with the Mississippi, then on to the sea.
This book tells of the fantastic six month adventure of Bob & Louise Lynd, who made the trip in a 17 foot canoe, with little or no knowledge of canoeing, reporting to the Tacoma Times newspaper whenever a post office could be accessed near the river. The 110 reports sent were sometimes humorous or historic with perhaps some politic mixed in, but always with great enthusiasm and few doubts about finishing what they had started. The good natured gibs of man and wife lighten the trip for Bob and Louise and also for the reader.
They were much interested in native culture, archaeology, the river people and the history of the area they passed through. Their first purpose, however, was to advertise and invite people on their river route, to Washington State's Golden Jubilee to be celebrated July 21-23, 1939, and further to travel through three other states, Montana, North Dakota and South Dakota.
The book is 320 pages, which includes 110 reports written by Bob and Louise, It is an easy rocking chair history lesson in a time period set in the waning days of the Great Depression.


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A look at today's minor moves..
The Phillies released former Rangers first-round pick Kasey Kiker, tweets Kevin Goldstein of Baseball Prospectus. The left-hander spent six seasons in the Texas farm system, posting a 4.53 ERA with 9.2 K/9 and 5.2 BB/9.
The Orioles signed second baseman Josh Barfield to a minor league deal, according to Matt Eddy of Baseball America. Barfield, 29, last appeared in the majors with the Indians in '09.
More from Eddy (via Twitter), who reports that the Dodgers signed right-hander Kyle Smit. Los Angeles originally drafted Smit in '06 and sent him to the Cubs in the Ted Lilly deal in 2010.
The Rays released a number of minor leaguers, including left-handers Sergio Espinosa and Robert Dickmann, tweets Marc Topkin of the Tampa Bay Times.
What happened to Barfield? He was pretty good for the Padres for one year.
Kasey's last name… and Kevin's last name.. Sorry.. you just can't make that up.
Trivia question: in wich country was born Barfield?
Not really a good trivia question when one can just click the link above to get the answer.
He was a winter ball baby. Born in VZ while his dad Jesse was playing VZ winter ball. However, his brother Jeremy who plays in the Oakland organization was born stateside.
When did did the Phillies even sign Kiker?


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July 21, 2020 / 1:22 PM
Disney's 'Elena of Avalor' to end in August with prime-time finale
By Wade Sheridan
July 21 (UPI) -- Disney animated series Elena of Avalor will end after three seasons with a prime-time special that will air Aug. 23 at 7 p.m. EDT on Disney Junior and DisneyNOW.
Disney Junior will begin airing new episodes every Sunday at 5 p.m. EDT starting this week, leading up to the finale.
Elena of Avalor premiered in 2016 and follows Elena (voiced by Aimee Carrero) as she learns what it takes to be a great leader by ruling her enchanted kingdom.
The finale titled Coronation Day, will see Elena ready to become queen but first, she must travel to the Spirit World to face the ultimate test of courage and character.
Mark Hamill, Jenny Slate, Fred Armisen, Patrick Warburton, Andy Garcia, Gina Rodriguez, Mario Lopez, Rachel Brosnahan, Tony Shalhoub, Whoopi Goldberg, Melissa Fumero, Stephanie Beatriz, Tyler Posey, John Leguizamo, Cheech Marin and many more are among the new and returning guest stars who will be featured on Coronation Day.
Jenna Ortega, Chris Parnell, Yvette Nicole Brown, Carlos Alazraqui, Emiliano Diez, Julia Vera, Christian Lanz, Jillian Rose Reed, Joseph Haro, Jorge Diaz, Keith Ferguson and Joe Nunez make up the rest of the series cast.
"It has been a tremendous honor for me to bring Disney's first Latina princess to the screen. Everyone involved with Elena of Avalor from the creative team to the unbelievable cast and crew, felt the responsibility to get this right," creator and executive producer Craig Gerber said in a statement.
"We created the character of Elena with the hope that she would be a role model, not just for young Latina girls watching, but for all children to be able to see what a true leader looks like. From the beginning, Elena's story arc has been that she would one day become queen. With the series finale, the creative team has been able to bring Elena's story to the thrilling conclusion that we always envisioned. I can't wait for viewers to see the final chapter in Elena's epic adventure," he continued.
'Muppets Now': Disney+ shares video call teaser for new series 'Dog House: UK': Adoptable pups find homes in trailer for HBO Max series What to watch next: Sign up for UPI's Streaming newsletter
Mark Hamill
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HBO orders Season 2 of 'Last of Us'
Jan. 28 (UPI) -- HBO has renewed its video-game adaptation, "The Last of Us," for a second season.
Jan. 28 (UPI) -- ABC News has announced that Amy Robach and T.J. Holmes are officially out as co-hosts of the daytime program, "GMA3: What You Need To Know."
TV // 1 day ago
'Jay Leno's Garage' canceled after his second accident
Jan. 27 (UPI) -- Jay Leno's show "Jay Leno's Garage" has been canceled after an accident on a motorcycle.
Jimmy Kimmel celebrates 20th anniversary with Snoop Dogg, George Clooney, Coldplay
Jan. 27 (UPI) -- Jimmy Kimmel celebrates his first-ever show 20 years ago with the original guests -- Snoop Dogg, George Clooney and Coldplay.
TV // 2 days ago
'Party Down' team reunites in trailer for Starz revival
Jan. 26 (UPI) -- "Party Down," a comedy series starring Adam Scott, Ken Marino and Jane Lynch, will return with new episodes in February.
'Top Chef' world all-stars season coming in March
Jan. 26 (UPI) -- "Top Chef" Season 20 will feature 16 all-star contestants and premiere on Bravo in March.
Nielsen says 'Stranger Things' most streamed show in 2022
Jan. 26 (UPI) -- According to ratings company Nielsen, the Netflix show "Stranger Things" was the most streamed overall show of 2022.
Eddie Murphy talks 'You People,' Rick James, Arsenio Hall on 'Kimmel'
Jan. 26 (UPI) -- Eddie Murphy talks about Rick James, Michael Jackson and Arsenio Hall on "Jimmy Kimmel Live," while promoting his new Netflix movie "You People" with Jonah Hill.
'Puppy Bowl XIX' to air on Animal Planet, TBS, Discovery, Discovery+, HBO Max
Jan. 26 (UPI) -- "Puppy Bowl XIX" will air on Animal Planet, Discovery, Discovery+, TBS, and HBO Max, on Sunday, Feb. 12 starting at 1 p.m.
'Sesame Street' co-creator Lloyd Morrisett dead at 93
Jan. 25 (UPI) -- "Sesame Street" co-creator Lloyd Morrisett has died at age 93, Sesame Workshop announced Wednesday.
Jaime King: Mental health, abuse led to Sherri Papini kidnapping hoax
Famous birthdays for Jan. 28: Will Poulter, Alan Alda
Sundance movie review: 'A Thousand and One' celebrates family joy, turmoil

redpajama_set_name: RedPajamaCommonCrawl


Targeted interventions during early childhood can assist families in providing strong foundations that promote children's health and wellbeing across the life course. There is growing recognition that longer follow-up times are necessary to assess intervention outcomes, as effects may change as children develop. The Early Home Learning Study, or 'EHLS', comprised two cluster randomized controlled superiority trials of a brief parenting intervention, smalltalk, aimed at supporting parents to strengthen the early childhood home learning environment of infants (6–12 months) or toddlers (12–36 months). Results showed sustained improvements in parent-child interactions and the home environment at the 32 week follow-up for the toddler but not the infant trial. The current study will therefore follow up the EHLS toddler cohort to primary school age, with the aim of addressing a gap in literature concerning long-term effects of early childhood interventions focused on improving school readiness and later developmental outcomes.
'EHLS at School' is a school-aged follow-up study of the toddler cluster randomized controlled trial (n = 1226). Data will be collected by parent-, child- and teacher-report questionnaires, recorded observations of parent-child interactions, and direct child assessment when children are aged 7.5 years old. Data linkage will provide additional data on child health and academic functioning at ages 5, 8 and 10 years. Child outcomes will be compared for families allocated to standard/usual care (control) versus those allocated to the smalltalk program (group program only or group program with additional home coaching).
Findings from The Early Home Learning Study provided evidence of the benefits of the smalltalk intervention delivered via facilitated playgroups for parents of toddlers. The EHLS at School Study aims to examine the long-term outcomes of this initiative to determine whether improvements in the quality of the parent-child relationship persist over time and translate into benefits for children's social, academic and behavioral skills that last into the school years.


Free Money Finance is brought to you by (note: all revenue from this site is given to charity): Blue Cash from American Express - I recommend it because it made me almost $500 last year.
The following is a guest post. See the end of the article for author information.
In 2006, according to the US Census Bureau, there were approximately 14 million single parents in this country, and those parents are responsible for raising 21.6 million children. Eighty-three percent of single parents are mothers, and 30.3 percent of all single parents receive public assistance.
1. Buy a Used Car. Buy or trade in your current car for a used car with a cheaper note. This will either eliminate your car note or save you $50 to $200 a month on your car payment.
2. Use Coupons. Buy whatever items are on sale or buy items with coupons. This can save you $50 to $300 a month. There have been instances where shoppers had a total bill of $200 and ended up paying $5 using coupons and buying items on sale.
3. Buy Generic. Buy everything generic: household items, clothing, prescriptions, toiletries, dry goods, canned goods, paper products, etc. This will save you on average $5 to $50 a month.
4. Buy Washable Clothes. Buy clothes that do not require dry cleaning. This will save you on average $50 to $150 a month.
5. Image. Do you own hair and nails and buy your makeup from a drugstore, such as CVS or Rite Aid. This will save you on average $40 to $100 a month.
6. Gas. Buy regular gas for your car unless the owner's manual suggests otherwise. Find the cheapest gas in your neighborhood to purchase. This will save you on average $.05 to $.20 per gallon.
7. Shop at Discount Stores. Buy household items in bulk, such as paper products, cleaning supplies at discount stores such as Target, Wal-Mart, Costco, etc. This will save you on average $5 to $50 a month.
8. Reduce expenses. Reduce or cancel your cable plan, cell phone or Internet service, or get the cheapest plan available. This can save you $20 to $100 a month.
9. Buy groceries at superstores. Buy your groceries at superstores or wholesale stores such as Wal-Mart, Costco, Sam's Club, etc. Buy nuts, grains, spices, legumes at wholesale or health food stores. This will save you $30 to $200 a month on processing costs charged at regular grocery stores.
10. Fun with Kids. Check your local library or newspaper to find free activities that you can do to with your kids. This can save anywhere from $5-$100 a month.
Harrine Freeman is the CEO of H.E. Freeman Enterprises, a credit repair and personal finance services company. She is a member of the American Association of Daily Money Managers, a credit repair expert and the author of, "How to Get Out of Debt: Get an 'A' Credit Rating for Free Using the System I've Used Successfully with Thousands of Clients." For more information visit http://www.hefreemanenterprises.com.
Over the past two years, viewers holding Cramer's stocks would be up 12% while the Dow rose 22% and the Standard & Poor's 500 Index ($INX) gained 16%, according to a record of 1,300 of the CNBC star's "buy" recommendations compiled by YourMoneyWatch, a Web site run by a retired stock analyst and loyal Cramer-watcher.
We also looked at a database of Cramer's "Mad Money" picks maintained by his Web site, TheStreet.com. It covers only the past six months but includes an astounding 3,458 stocks -– "buys" mainly, punctuated by some "sells." These picks were flat to down in relation to the market. Count commissions and you would have been much better off in an index fund that simply tracks the market.
The piece goes on and on -- for four pages -- on the efforts the author took to try and get Cramer or CNBC to refute the fact that Cramer's picks underperform the market. Read it if you will, but the short version is that he got nowhere. They stonewalled, didn't respond, gave excuses, and so on.
1. Jim Cramer is an entertainer as much as he is anything else. He does well at providing a good "show" and that's on reason people like/watch him. Yeah, they think he can earn them some money too, but his flamboyant style is certainly part of his appeal.
2. Is anyone surprised any more when they find out that an "expert" isn't all they're cracked up to be? Or that a financial advisor of some sort is just as interested in making money for himself as he is at helping a viewer/client? Personally, I've lost all sense of shock on this topic.
The others are length of credit history (15%), pursuit of new credit (10%), and credit mix (5%) and while we all would like to do well on all of these measures, payment history and outstanding debt are the two keys to a good credit score. A good credit score, in turn, can save you a boatload of money -- maybe even up to $1 million.
I haven't checked my credit score lately (on my list) but since I haven't missed a payment of any kind in years and I have no outstanding debt, I should be good, right?
Five Cent Nickel discusses longevity insurance.
Blueprint for Financial Prosperity gives details on Wilmington Trust Direct.
Consumerism Commentary kicks off a series on rental property.
AllFinancialMatters advises us all not to panic.
MightyBargainHunter passed over a couple of deals.
The Digerati Life lists 17 ways to stay cool.
The Sun's Financial Diary details how long it takes to triple your money.
Generation X Finance tells what bills to pay first.
Lazy Man and Money suggest we keep level heads in this market.
Money Smart Life warns not to loan out your identity.
Money, Matter, and More Musings covers past stock market dips.
Consumerist says pizza is a magic food.
Many people constantly complain about being in debt, but when you ask, "Do you have a budget; Do you know how much you owe," or when you suggest they cut back on expenses they look at you as if you are speaking a foreign language, or they just plain out refuse. I am always amazed at this, how can you ever get out of debt if you don't change your mindset or if you aren't willing to work hard and make sacrifices? There is no quick fix or cure-all to get out of debt. It takes a long time to get in debt, and you will not get out of debt overnight.
Many people do not know how to create a budget for themselves and many don't even know where to start. Luckily, I was taught at an early age how to create a budget for myself. I knew how much money I spent and how much I had left. This skill helped me when I became an adult and got into debt. How did that happen, you say? Well, although I knew how to budget my money I didn't have a clue about how credit cards worked. I thought it was free money, but that is another article.
Anyway, the first step to getting out of debt is creating a budget for yourself. The basic premise for creating a budget is to know what you have coming in and what you have going out, in other words, how much money you bring home and how many expenses you have (creditors, loans, utilities, cell phone, day care, dry cleaners, etc.). Make the budget flexible so you have room for unexpected expenses such as house repairs or car repairs. If you don't have an emergency fund or savings to cover these expenses, you can readily see in your budget areas where you can reduce your expenditures to get money to pay for those unexpected items.
Having a budget makes you responsible and accountable for your finances. Most people don't think about how much money they spend per week or per month, but when you write all of your expenses down on paper it provides awareness of your spending habits.
* selling unused items at a yard sale or donating to charity.
If you are mismanaging your money, or spending your money on wants instead of needs, that is a little harder to overcome because this takes willpower and discipline. It takes 23 days to develop a habit so you have to practice good spending habits every day. Each week it will get easier and easier. It also helps to develop financial goals for yourself, such as you want to get out of debt within a specific time period, you want to buy a house, take a vacation - whatever your goals are write them down and give yourself a target date.
Don't get alarmed if you miss your target date for a financial goal because your main focus is changing your spending habits. Remind yourself that you are working toward achieving your goals. It may take some time, but I know you can do it. Being debt-free is worth the hard work and discipline required. Financial freedom is so sweet. Just think how nice it would be to wake up each morning not worrying about having to pay a creditor, not worrying about creditors calling your house asking for a payment, being able to see yourself in a house, or buying investment property or taking a vacation every year.
So many things are possible when you are debt-free and live on a budget. I make a decent salary and only have one bill, my mortgage, and I still put myself on a budget every payday. Sometimes people ask, "Why do you worry about money?" and I say I always liked to be prepared, because you never know what may happen.
Something I've had on my to-do list for quite some time is to write a letter of instruction to my wife and kids. It basically tells them where all the financial records are, what key passwords are on our computer, what's in each account, etc. -- stuff that I know well but that would take them awhile to sort out. I go through all of this verbally every year with my wife, but I'm positive she doesn't remember most of it and I need to write it down for her.
Be specific. Include the sort of end-of-life wishes you want the person who holds your health-care proxy to know.
Consider what not to write. Resist the temptation to unload and say all the nasty things you might have liked to say in life.
Talk about it. Make sure your kids know the letter exists.
Update it. Read the letter once a year to make sure it reflects any changes you've made in your financial life or in your thinking.
After getting your will straightened out, this is probably the best thing you can do to make sure your death is as easy as possible on those you love.
Carnival of Debt Reduction - Should You Prepay Your Mortgage or Invest Instead?
Festival of Frugality - Is Bottled Water Worth It?
As I've shared, we got a killer deal on our flights to Disney by being flexible. I can't remember what time we booked the flights for sure -- I think it was on a weekday in the morning. It's hard to imagine we could have done better, but who knows.
Anyone out there have any other money saving tips when it comes to booking airfare?
Chick-fil-a is giving away free chicken sandwiches and Cokes. Thought you all would like to know.
1. Yep, I've been maxing mine out for years now.
2. Yes. Every year I review my retirement goal and progress towards it, making any needed adjustments.
3. I'm desperately grabbing every tax break I can. I wish there were more!
4. I do have extra savings as well as life and disability insurance.
The thing that amazes me is that though I'm doing all these things, it still takes a TON of time and discipline to save up what's needed to retire. It's simply such a big number to swallow!!!!
Most self-employed bloggers take in between $2,000 and $10,000 a month from ad sales, says Henry Copeland, founder of BlogAds.com, a Web advertising concern based in Carrboro, N.C. The few that have huge audiences make significantly more, he adds. During election time, for example, a political blogger can bring in $20,000 to $30,000 a month, says Ken Layne, West Coast bureau chief for Wonkette.com, a political gossip blog owned by Gawker Media.
Then again, you can earn a decent side income with a blog -- if you do it the right way. For my thoughts on how to start and run a successful blog, check out How to Get Your Blog to 100,000 Visitors and Beyond.
Welcome to this week's edition of the Carnival of Personal Finance.
For those of you looking for/expecting the book giveaway I've been doing all month, please check back for the next one at the end of the day on Monday.
For those of you who do not know what a carnival is, check out Best Practices for Driving Traffic with Blog Carnivals and How to Get Your Blog to 100,000 Visitors and Beyond, Step 13; Participate in Carnivals. This particular carnival is one where personal finance bloggers submit their best posts for the week and a host (me) posts them. Then readers scan through the list (a lot in this case -- it's a popular carnival) and read the posts that interest them.
I'm sticking with my usual method of hosting a carnival -- listing a summary of each piece with the author's reason for submitting the post to the carnival (for those that submitted one) and/or a bit of the post itself as a summary -- so you readers know what to expect before you get to the post. In addition, I am posting the entries in the order they were submitted.
Smart Money Remains Fully Invested - The market hasn't been performing too hot lately. Should you care? As I read posts of personal finance bloggers liquidating accounts and encouraging readers to get out and wait until they feel confident in the market again, I see people falling into the single biggest trap in investing: trying to time the market.
You Don't Own Real Estate. Real Estate Owns You. - Many Americans believe that real estate can do no wrong as an asset class upon which they can build wealth. I disagree. Building wealth through real estate depends on your ability to distinguish among the three types of real estate ownership – investment, speculative, and personal. If you don't know the differences, you may soon discover that you don't own real estate, real estate owns you.
What Were You Thinking When You Purchased Your Home? - So one might wonder, why Michael purchased a home he could not afford. His rationale, an interest-only loan helped us buy a house in an expensive county where we wanted to live and eventually send our children to school.
Cheap Healthy Vacation Food: 61 Tips for Travel Eats on a Budget - What follows is the ultimate guide to saving dough on food while you're away, with extra emphasis on healthy options.
Choosing Between the Roth or Traditional 403b/401k : Our Decision Process - This is about our personal decision process in choosing between a Roth or Traditional 403b retirement plan at work. We cover both the basic differences and also our specific situation and outlooks.
Charities and their Management Expense Ratios - This article deals with calculating the management expense ratios of charities. This will help determine if the charity in question is using your donation dollars efficiently. The basic premise being that the charity should minimize their internal expenses and maximize the amount of money that goes towards the intention of the charity.
How To Avoid Defaulting on Mortgage Payments - In the US, and to a lesser extent in the UK, increasing numbers of homeowners are struggling to meet their mortgage payments and are facing the possibility of their home being repossessed. If this is the case and you are struggling to pay your mortgage, these are some actions, which can potentially save your home being repossessed.
Should the State Make Our Will? Better Not! - The state assumes everyone's objectives are exactly the same. Do we want our assets to be distributed exactly the same way as my neighbor, the grocer or the librarian? Obviously our assets, our beneficiaries and our wishes are not necessarily the same as those of others.
What to do with an extra $2000? - What should we do with an unexpected bonus from work? Goof off, or be financially responsible with it?
Floyd Norris -- Greatest 25 Years in Market History - The past 25 years have been the best period of that length in stock market history.
Upgrading Your Home: Want vs Need - How do you know when it is time to upgrade your house?
Pay yourself first, and not just financially - Personal finance isn't just about using dollars and cents as the only way to measure money. If time = money, then your time spent at work, is also considered to be a financial expense. So take a break, and take stock of how much money (time) you are spending at your company, and how much of an return you are getting out of your invested time.
ETFs Vs. Mutual Funds - An article comparing ETFs Vs. Mutual Funds for use in an IRA.
Top 10 money wasters, are you guilty? - From my personal experience, I can sincerely say these are the biggest money wasters around.
Why Our Next Car Will Be New - In order to buy a used car with confidence, we'd have to do way more research and preparation than we have the time or inclination for.
On "Averaging Down" - In a simple fashion, this means reducing the mathematical average of your cost of an equity by purchasing more shares after it declines in price.
How to Deal With Market Volatility - Some suggestions about how to avoid panicking when your portfolio drops in value.
Newlyweds and Foreclosures -- Why Home Purchasing and Wedding - Today on the front page of Yahoo! Finance there was an article reporting that foreclosures went up 93% since last year. This made me wonder how many of those foreclosed homes belonged to young newlyweds.
money just by picking up the telephone, and how others can do the same.
The New Investor's Toolkit - A list of helpful free or low cost resources for investors just getting started.
Three Ways to Make Money Investing - Here are three ways I have found to make money in the stock market.
Yet another post about insurance - The perfect way to decide whether you need insurance.
7 Helpful Tips When Moving - Moving is tough, both physically and emotionally. Here are 7 tips to make moving a little easier and make a stressful activity less stressful.
Does plug-in hybrid car really save money? - Let's get down to earth and examine what financial benefits the plug-in hybrid (PHEV) actually offers besides the cool factor of investing into green technology and saving environment.
PF Blogs I read, and Why - This post is about the PF blogs a relative newbie to personal finance reads--never mind that the newbie is 58 years old!
Frugal Wedding Tips - Here are some simple, and practical money saving tips for planning a wedding.
You can't trust that Carfax report! - So the lesson here is this: Always take the used car into a trusted mechanic for inspection before sealing the deal. Oh, and be sure to ask whether the car has been in any accidents. Don't just trust the Carfax report alone.
Emergency funds and how they are hurting our savings - I have a recommendation to everyone out there that is just beginning to think about saving. Don't listen to the experts. Sure its great advice and we should all have an emergency fund, but we all should also all have at least a million saved by retirement (but how many of us actually will). My recommendation is to start with a micro-goal.
Budgeting For Dummies Part 2: Evaluating Your Budget - We are going to evaluate that budget and see how effective it is. There are 5 main steps we are going to follow: Tracking, Assigning, Assessing, Establishing, and Applying Surpluses.
5 Things The Marshmallow Test Can Teach You About Money - Tina is an intellectually-gifted bartender who struggles to pay her bills. Tina serves martinis to Susan. Susan is no more intelligent than Tina, but Susan is a millionaire. If not intelligence, then what explains the difference between success and failure? And what do sticky, gooey marshmallows have to do with it?
Getting Rid Of Clutter - Stopping The "But I Paid For This Already!" Syndrome - Just because you paid for something does not mean it is bringing any value to your life; on the contrary, it could be causing you great distress.
Be Wary of Foreclosure Assistance Scams - The following story about Jennifer Falke and her family is one that you should be knowledgeable of if you are looking towards a third party to help you negotiate a positive resolution to your foreclosure woes.
Optimizing Medical and Auto Insurance - One of the things I've been looking at lately was how to optimize our insurance policies. Here's what I came up with.
Twentysomething's Quick Guide to Retirement - In our age group, saving for retirement comes in one of two forms - IRA or 401(k). Both are easy to understand and I'll explain them both right now.
Using A Public Claims Adjuster - Before you hire an adjuster, make sure you really want the help. Then, after you've shopped around, check into the background of the one you're thinking about signing with. You can check with the National Association of Public Insurance Adjusters for information about your adjuster and see how he or she has been doing.
day, plus all the warm, beautiful weather you can stand?
How to Profit from the Cyclical Nature of Biotech Stocks - Anecdotally, I've heard before that Biotech stocks do well in the fall due to the preponderance of trade/medical conferences where they highlight their clinical findings, pipelines and emerging technologies. My findings actually support this claim and I have the perfect strategy to capitalize on this phenomena.
Has The Housing Bubble Burst Yet? A Closer Look At The Signs - Is it time to make your move or should you wait a little longer and see if the price declines even further?
True Story of Landlord-Tenant Dispute - This is a true story of how a shady landlord tried to bilk his tenants for more money than they really owed; and how a judge put the smack down on the greedy landlord. Good advice for both landlords (don't be like this jerk) and tenants (know how to stand up for your rights) inside.
I Could Use Someone Else's Credit Card to Buy My Groceries - Credit cards are very insecure!
When Would Be the Best Time for Leveraging? Right Now! - As the market just went down by a few percent, many people wonder if it's a good timing to borrow to invest. In fact, it is one of the best time to start.
Big Party, Small Budget - The obvious challenge of having a large party is tackling the expense of feeding and hosting so many people. I'm happy to report that we managed to throw our shindig for roughly $100, give or take - and that was being generous, almost half of that going to beer. Here's some pointers for your next big bash.
Bad Credit Card Application Fees and Fineprints - If you have bad credit and need a credit card, there are issuers who are willing to issue credit cards to you. But these cards will have more fees than regular credit cards. These are the fees you have to be aware of.
Financial blogging differences between men and women? - Discusses financial books targetting women and if there are blogging differences between men and women.
Re-Balancing - While I encourage people to re-balance their portfolio periodically, the current recommendations are misplaced due to the fact that many of the securities recommended are still grossly overvalued.
How to Save Money and Make Your Clothes Last Longer When Doing Laundry - An article on how to do laundry in a manner that keeps your clothes lasting longer and your wallet in better shape.
Free Books Online - Here are some ways to save on books.
City Dweller's Income Slashed, Happiness Discovered - Why life has become more fulfilling during unemployment.
Why Do People Accept Wedding Gifts? - By merely "accepting" gifts are we in fact "expecting" gifts? If thoughts and good wishes are all that matters, why accept gifts in the first place?
Thank You For Being a Friend - 11 Lessons About Frugality and Simplicity That I learned From The Golden Girls.
Money Markets Galore - I have a money market account, but until recently, I didn't realize their was more than one kind, and after beginning my research, I quickly realized that their isn't a single good source of information. At least, not one that I found.
Stop Being Poor! What Low-Income Earners Can Do To Get Off Minimum Wage - How do the working poor survive with such earnings especially in areas where the cost of living is through the roof?
6 Ways to Retire Poor - A satirical take on how NOT to retire.
Very Happy With Illinois 529 Savings Plan - Gives the main benefits of the Illinois 529 plan.
How to Make Money in the Stock Market - Considering that there are roughly 250 trading days in a year, this means that missing out on the best 0.02% of the investing days over this 20 year period (i.e., the best 10 of 5000 days) would've reduced your total return by nearly 40%!
Ten Life Lessons I've Learned In The Pursuit of Getting Rich - Each and every job we have can teach us important lessons. Here are 10 lessons I've learned from 10 different occupations I've held.
Zen and The Art Of Personal Finance in 4 Steps - Explores applying some of the principles of Zen to personal finance.
My experience with LendingTree, and free gift cards - LendingTree is not so much a "search engine for mortgage loans" as it is an owner of patented automated loan-facilitation technology and a seller of mortgage loan leads.
Didn't Get a Raise, Now What? - You asked for a raise, and even though you made your case very well, your request was denied. This article offers a few ideas about how to take the "no" and move forward in a productive way.
Americans' Net Worth in the Federal Reserve's Survey of Consumer Finances (SCF) - Net worth is a favorite topic in the buck-o-sphere (personal finance blog-o-sphere) and many people pounce on a government or media report to see how they stack up against their fellow Americans. You need to understand the source of the information and know how to read economic and financial reports correctly.
A Reader Asks #6 - The post is a response to a comment from an earlier post, "What Happens When You Die?"
The Real Estate Bubble and Tips to Protect you from it - This is an article about real estate bubble and what is the relationship between it with your journey to financial freedom.
MBA Options Part 1: Do You Need an MBA? - I'm looking at getting an MBA and I've started a series looking into the entire decision process. Hopefully the series will help some people decide for themselves whether or not an MBA is something that can further their career and is worth the cost.
How to Start Your eBay Business Without Credit Card Debt - You can start selling on eBay without going into credit card debt to fund your initial investment.
<Sarcasm>Ah... The Joys of Home Ownership </Sarcasm> - After all, how much can a microwave cost, right?
401k Mistakes - When I joined my current company, I simply rolled over the funds from my previous company's 401k into the new one's. Big mistake.
Bank fees are almost always reversible - Just talking about how if you call up the bank and talk to them, they will generally reverse many of those silly fees that they charge you. In my case, I got charged $5 for typing a number in wrong on the ATM machine!
The Stay-At-Home Parenting Question Hits Home Hard - As much as a part of me cries out to be a stay at home parent, it simply isn't in the cards for us right now. That doesn't change the fact that my son's shouts of "Dad! DAD!" and subsequent crying as I was leaving tore me up to the point that I stopped my truck on the way to work because I was so upset.
What Do You Do With Your Coins? - I only store coins less than a quarter. I find it easy to spend quarters so I keep quarters outside the jar.
Learning More About My 403b Plan - I work for a tax-exempt organization so, instead of having a 401k, I have a 403(b). My retirement contributions are sent by my employer to the company that operates the 403(b), but the responsibility for allocating those contributions rests with me. I'm rather new to the "investing game" and I'm taking the time to research the various mutual funds available to me inside my 403(b) plan.
Lose Weight, Not Money - One of the ways to save money in the long term is to maintain good health. And one of the main ways to maintain good health is to exercise and be physically fit. The only problem is that while getting in shape may save money in the long term, joining a gym takes a whack at your wallet in the short term.
How to Find, Choose and Open an Online Savings Account - Online savings accounts are one of the newest, safest and best ways to make your money work for you.
I Just Turned One Hundred! - I just turned one hundred posts old! This is a list of what I've accomplished, what I've learned, and how I've grown!
Thanks for visiting the Carnival of Personal Finance!
What if your church really does want/need more gardening or painting, or website management, or whatever? Would it be ok to give time in lieu of tithing then?
1. Does the federal government allow you to forego taxes by cleaning public property, setting up government websites, and the like?
2. Which is more important, giving to God or giving to the federal government?
We need to remember that God doesn't really need our money (I think we can all agree on that, can't we?) That's why the purpose of tithing is not to increase the church's bank accounts, help us earn our way to heaven, or even help out those who are lest fortunate. But the purpose of tithing is to teach us to put God first in our lives.
So by definition, it's 10% of income. It's in money terms, not in terms of time, effort or whatever.
But some may think this is harsh and still ask "Why can't I give in time, effort, skill, or whatever? Why does it matter?"
I simply refer those people back to questions #1 and #2 above.
The following is a guest post. See the end of the article for details on the author.
Starting a new business is always difficult, especially if it's a lifestyle and a professional change. New networks, new people, new experience, new learning curves, new opportunities, new failures...new everything!
Getting caught up in the newness of everything, we can sometimes forget about the luxury of current and former contacts, and taking full advantage of who and what we know. Just because you're in a new industry, doesn't mean your current and past relationships can't be an asset.
As you consider your contacts, decide how you can best leverage your relationships in the most respectable and honorable way possible. You want to ensure that your contacts will benefit as well. Don't make it all about you and your business. Ask about them, their family and consider ways you could benefit their business. Do you know anyone you could refer to them? Help others succeed, and they will help you succeed.
Be sure you never misuse or abuse your relationships. You do not want to tarnish your relationships or leave your contacts with a bad taste about your business. Remember, you do not have to ask old pals for hand-outs; ask them for support. Offer free samples, free consultations, free education and so on. If applicable, offer yourself as a speaker, consultant or expert in your industry. There should not be a hard sale to sell anyone; instead, share a positive view with confidence, grace and respect.
Never underestimate your startup and your self-worth. Lose confidence and it'll show. Be ashamed to promote your new business startup and it'll also show. Remember, your home business reputation is your personal and professional reputation. Don't be afraid to tell others about how excited you are about your business. Your confidence and enthusiasm are sure to win many new advocates for you.
Dominate your market by being yourself--a leader of your new business start-up. This way, no matter who you meet, whether they are colleagues of your past or present, you're still a leading professional with confidence, enthusiasm and a winning attitude that draws people to you and your business.
Lesley Spencer Pyle is founder & director of HBWM.com, Inc (Home-Based Working Moms™), a professional association and online community of parents who work from home and those who would like to. She is also the author of The Work-at-Home Workbook.
A friend shared with me recently that he had had several people in the past mad at him because he wouldn't co-sign a loan for them. He just couldn't get them to understand that if the bank thought they were a bad risk, then he did too.
In the banking industry there is a commonly used synonym for a cosigner: "Idiot with a pen."
When you're asked to co-sign, you're being asked to take a risk that a professional lender won't take. If the borrower met the criteria, the lender wouldn't require a co-signer.
Yep. Remember this post if someone asks you to co-sign a loan. Unless you are willing to pay off the debt completely for the people, simply DON'T CO-SIGN A LOAN.
I was wondering what your take on a pension is. Here's my question. Would you suggest taking a pension as a lump sum if you believe the company you work for is not doing well?
1. If the pension is administered by the company and the money is in their possession, I would certainly take the lump sum if I thought there's a potential they could default on the amount.
2. If the pension is guaranteed in some way (held by a third party that's stable, in a holding company separate from your company, etc.), then you need to go through the process of determining what the best option is for you -- lump sum or payments.
Anything I missed here, readers? I'm sure there is. Please fill in what I've missed below in the comments.
I was talking to a friend the other day when we got into a conversation about how important college is to career development/potential these days. We noted that it used to be that someone with a high school diploma could do "ok", but nowadays it seems like you have to have a college degree even to be considered for the most basic jobs. There's no doubt that having a college degree can help you financially in a big, big way, but now it seems like you need one to do things that really shouldn't require a degree -- tasks that high school grads used to be fine for.
We got into the discussion when my friend suggested that maybe one of his kids wouldn't go to college. I was aghast! How would he survive? And why did I think he was "in trouble" if he didn't go to college. Plenty of people have done fine without a college degree. It was strange, got me to thinking, so I wanted to run the concept by all of you.
Can someone please straighten me out here?
MightyBargainHunter hopes to make money by journaling.
Five Cent Nickel says TIAA-CREF got canned.
Blueprint for Financial Prosperity discusses identity theft insurance.
Consumerism Commentary got a good deal on bedroom furniture.
AllFinancialMatters disputes some financial advice.
Money, Matter, and More Musings wonders about being frugal.
The Digerati Life discusses the cost of kids.
The Sun's Financial Diary suggests where to put cash in an uncertain market.
Generation X Finance answers an insurance question.
Lazy Man and Money covers market timing and 401k contributions.
Money Smart Life asks how you know when to invest in a down market.
Consumerist notes that Ben Stein has some retirement advice.
No Credit Needed talks about his 403b plan.
Saving with Me discusses upgrading your home.
Ballpark Estimate - This calculator is easy to use, and it allows you to include other income, such as part-time work. The downside: The results are somewhat confusing, and you have to re-enter every number if you go back to rejigger your results.
Nationwide's Retirability Check - This tool offers interesting data on how Americans overall fare on the same measures. Also, home equity is calculated as an asset. However, the solutions offered are general and not specific to the data you enter.
AARP - While this calculator isn't quite as slick as some others, it offers some of the easiest-to- understand results, including a graph, followed by a "What if I change..." option to easily enter different variables.
Fidelity's MyPlan (click on the "MyPlan" ad) - This tool is easy to use. Plus you get a range of results, making it clear how important market performance is. However, the tool assumes you want just 85% of preretirement income. Also, many Quick Check results seem intended to steer visitors to Fidelity products.
So check some of these out and let me know what you think.
Air or Nitrogen in Your Tires?
When I bought my new tires at Costco last fall, they filled them with nitrogen instead of air. When I asked the attendant what the difference between air and nitrogen was, he said, "not much." In addition, the main mechanic at my dealership said the same thing about nitrogen -- except that he said it was a "marketing gimmick."
When it comes down to a dollar decision, it's hard to argue that spending as much as $40 for nitrogen in a set of tires is a good fiscal move. Save your money and just keep an eye on your tire pressures.
My tires are rotated every 7,500 miles by Costco for free and they fill up the tires with nitrogen each time they rotate them. In the meantime, I fill them with air (I was told this was ok.) I don't think I'd buy nitrogen if I didn't already have it, but maybe others have some good reasons for doing so.
Anyone out there think nitrogen is the way to go?
1. Decide what is most important to you. Everyone's different. Some people like cash (like me), others travel a lot and want airline points, and others have special interests in one area or another. This GREATLY impacts what reward credit card will be the best for you. So start the process of searching for your card by thinking through what reward you'd like to get.
2. Consider how you spend money. What you charge on your card can make a big difference in the reward you get. For instance, some cards give bigger rewards for spending at gas stations or grocery stores. If you charge very little at gas stations or grocery stores, it's likely these cards aren't for you. Review your budget or Quicken file and take note of the major purchases you charge to your current card.
3. Decide how much time and effort you're willing to put into maximizing your reward. It's highly likely that your absolute maximum reward will come from using a strategy that requires using multiple cards. But do you really want to deal with the hassle of getting, carrying and using a boatload of cards? Personally, I don't, so I carry two -- a main card and a back-up used in certain situations. You may be willing to deal with the hassle of using many cards, but you certainly need to consider the "hassle factor" before you decide on your strategy.
4. Be sure to minimize fees. In almost all cases, your best reward card will have no annual fee. There are exceptions, but if you have to pay for a card, you have to have some really, really, really great benefits from it to make it the best reward card for you.
5. Pay off the card each month. This should go without saying, but if you get a card and carry any sort of balance, it can quickly wipe out any rewards you earn. It's usually better not to have a card and forfeit the rewards than to use the card and carry a balance.
6. Consider where the card can be used. Some cards are accepted in more places than others. Visa and MasterCard can be used almost everywhere and American Express is used in most places (including Costco -- the only card they take), but others (Discover for instance) are accepted in far fewer locations.
7. Think of the ease of redemption. How you get your rewards can make a big difference. Some companies make the process seamless and simple (for instance, my card simply credits my account for the reward amount once a year) while others seem to be designed to make it difficult to get your reward (you earn "points" and have to go through 10 steps to actually redeem them.) No matter how much you earn, if it's a hassle (or impossible!) to get the reward, it just may not be worth the effort.
8. Charge all you can on the card. Once you have the above figured out and decide which card or cards are best for you, make the most of it (them) by charging all you can. Look at all your big purchases and see if there's a way to put them on your card. Look at regular, on-going purchases and see if you can pay these (with no cost) via credit card. Especially look at all those purchases that give you extra rewards (such as the gas and grocery store extras noted above) and be certain to get as many of those charged as possible. For a couple creative ideas, check out Can You Charge a Car on Your Credit Card? and Donate to Charity with a Credit Card.
So how's that list? Anything I missed or should change?
Nearly two-thirds have outstanding loan balances according to the latest Postsecondary Student Aid Study, published by the U.S. Department of Education. While these balances average just over $19,000, 25 percent of the students owe nearly $25,000 and a tenth were expected to graduate owing in excess of $35,000. And, this excludes any borrowing done on credit cards or by their parents.
Over a working lifetime, even after the cost of attending college and forgoing several years' worth of earnings while in school, most graduates can expect a financial payback. But the payback often lessens with the amount of debt carried to finance the degree.
So you make more plus it's likely that you're more fulfilled (doing something you like.) So what's the big deal?
The big deal is the extreme end of the spectrum -- people who borrow a ton of money and end up picking a career that doesn't make much. That's certainly a financial burden for them for years to come. That's why I suggest matching your debt with your potential post-college earnings.
Christian Carnival - How'd You Like to be Taxed for Going to Church?
Starting a home business has become a wonderful and attractive alternative for parents across the country. With the advent of the Internet, email and cell phones, working at home has been a very viable option. No other alternative allows parents the opportunity to create their own hours and work around their children's schedules while earning an income. But before investing in any home business opportunity, it is wise to take appropriate steps to research the opportunity and the company. Unfortunately, there are deceitful businesses ready to take advantage of parent's deep desire to be at home with their children.
3. Be cautious of any company that asks for money for a work-at-home job (such as money for registration, applications or instructions).
5. Get specific information in writing from the company such as how long they have been in business, where they are located (not just a P.O. Box), how many customers they have, what their refund policy is (read it thoroughly), how long it takes to get paid and if there are any restrictions on payments, etc.
6. If you do invest in a business opportunity, use your credit card instead of cash. It may be easier to dispute the charges with your credit card company rather than trying to get your money back from a fraudulent company.
7. Research current scams on web sites such as ScamBusters at: http://www.scambusters.com.
8. Call the National Fraud Information Center at (800) 876-7060 for information or visit their web site at: http://www.fraud.org.
9. Report any scams or fraudulent companies to the Federal Trade Commission http://www.ftc.gov, your state's Attorney General and the National Fraud Information Center, PO Box 65868, Washington, DC 20035, (800) 876-7060.
Ever had the "check engine" light come on in your car? I have had this happen a few times and it's not a good feeling. The last time it happened, I drove home and then called the dealership. They told me (I THINK -- I could have this backwards) that as long as the light was on steady, it was drivable and I could bring it in anytime within the next few days. But if the light was blinking, I should stop the car immediately and have it towed to the dealership. Good to know -- AFTER I'd driven it 10 miles home!!!!!
Anyway, the pain of the light going on is that the only way to see what the problem was (and to get it to go off) was to go to the dealership. They plugged in a machine that spit out a code and told them what was wrong (usually it was something VERY minor.) It took them maybe 10 minutes to do this. Cost: $75. Ouch!
A Connecticut company, Environmental Systems Products, has started putting a kiosk-style diagnostic bay at gas stations that allows a driver to pull up, plug into the car's on-board diagnostic port and get a plain English explanation of what the check engine light is trying to tell you. Cost is just $15, which is far below what many mechanics would charge for the same information.
It's a nice idea, but I'm not sure they will catch on -- doesn't seem like there would be that much demand for them. Still, I'd use one to save $60.
Anyone seen one of these machines at a gas station?


New Delhi, 30 January 2019: Hockey India on Wednesday named the Indian Junior Women's Hockey Team for the upcoming Matches against France to be held from 8th – 13th February 2019 in Lucknow and Gorakhpur, Uttar Pradesh. The Indian Women's team will be playing a total of four Matches against the French Women's National Team, the first two of which take place on 8th and 9th February 2019 respectively at the Padma Shri Mohammad Shahid Synthetic Hockey Stadium in Lucknow, Uttar Pradesh, while the third Match is scheduled to be held on 11th February 2019 at the Veer Bahadur Singh Sports College, Gorakhpur, Uttar Pradesh. The teams return to Lucknow for the fourth and last Match which will be played on 13th February 2019.
"The upcoming Matches against the French Women's National team will be helpful for our team in gaining match-fitness and experience different match situations. We will be up against a group of players who have played together for a considerably long time, and I feel our team's combination for the Matches is such that it will give all the players an opportunity to contribute with their efforts on the field. Our players will get a much-needed exposure and this challenge will help us in developing these players for bigger challenges that the team is going to face in the future including the 8th Women's Junior Asia Cup," stated Coach Baljeet Singh.


text:
Borotou is a town in northwest Ivory Coast. It is a sub-prefecture and commune of Koro Department in Bafing Region, Woroba District.

In 2014, the population of the sub-prefecture of Borotou was 5,353.

Villages
The nine villages of the sub-prefecture of Borotou and their population in 2014 are:
 Borotou (2 203)
 Ouassiko (28)
 Sekodougou (124)
 Bambadougou (839)
 Bilalo (278)
 Moyendougou (135)
 Niamoutou (987)
 Tiékoronidougou (433)
 Zoumassadougou (326)

Notes

Sub-prefectures of Bafing Region
Communes of Bafing Region

redpajama_set_name: RedPajamaWikipedia


I am a retired college faculty in Philosophy, with specializations in Ethics, Socio-political Theory and Rational Choice/Decision Theory. My teaching focus was on Business Ethics, Medical Ethics and Logic. After retirement I freelanced as a Grant Writer/Fund Raising Consultant. I have taught at Washington University in St. Louis, the University of Missouri - St. Louis, and St. Louis Community College.
I believe that potential investments ought to be evaluated through an examination of their fundamentals - i.e., fundamental analysis. Those investments can then be analyzed with respect to whatever criteria an investor may wish to bring to bear, but at least the investments they make will be more or lessfundamentally sound. For me, one of the more important features of an investment (after fundamentals are satisfied) is dividend yield. I expect my investment to earn money for me.
I also believe that the day of the "traditional" investment strategy based on one's age/proximity to retirement is over. To be sure, one wants to put one's money in places where it is more secure, but in the day and age of internet-based investment services, a variety of ETFs, and reasonably safe investment vehicles, there is no need for retired people to stick the bulk of their assets in relatively illiquid treasury notes and mutual funds.
I examine five ETFs offered by Guggenheim Funds Distributors, LLC - these funds focus on large-cap equities. The article is the first in a series of articles about large-cap ETFs.
FSC Fifth Street Finance Corp.
RNF Rentech Nitrogen Partners L.P.
UG United - Guardian Inc.


Neat & tidy 2 bedroom unit with very low maintenance yards. Both bedrooms have built ins, eat in kitchen with cupboard space and an electric oven while there is a R/C split system air conditioner in the living area. Bathroom has a shower and toilet and space for washing machine. Off street parking is available for 1 vehicle. Property is not suitable for pets. Property is available start of February 2019 and an application must be submitted to view and property.


text:
Introduction to the special issue.
Finlay A, Binswanger I, Timko C. Introduction to the special issue. Addiction science & clinical practice. 2020 Feb 5; 15(1):5.
This special issue of Addiction Science and Clinical Practice, "Addiction treatment access and utilization among criminal justice involved populations", presents a series of articles on substance use disorder treatment access and utilization by people who have contact with the criminal justice system (e.g., jails, prisons, and courts). Despite the high prevalence of substance use disorders among people who experience these settings, evidence-based treatment for substance use disorders may be unavailable and/or care may be fragmented during transitions between settings. Articles in this special issue address several gaps in the literature and present a conceptual model of opioid overdose risk, the results of a randomized controlled trial to increase treatment uptake and retention during and after incarceration, descriptions of barriers to treatment after release from incarceration, and data from nationally representative surveys of substance use disorders and treatment use among people who have been involved in the criminal justice system. Importantly, the voices of people with lived experience in the criminal justice system were incorporated in two manuscripts. Together these articles advance our understanding of how to improve care coordination and expansion of services across systems and organizations to prevent overdose, improve treatment utilization, and ultimately, improve health outcomes among criminal justice involved populations in the United States who have substance use disorders or use substances.


text:
Where food really comes from
Daniel Burgess
Students at Pilot Point Intermediate School got a lesson Tuesday about where food comes from before it hits the store shelves.
Members of the Farm Bureau of Texas brought out their trailer with displays and demonstrations of farming, livestock and cotton production to explain both the importance of the industry and the process.
Pilot Point High School FFA member Lane Roth organized the event and coordinated with the school and bureau to make it happen.
"FFA is such a good thing to be involved in," Roth said. "Being heavily involved, I felt it would be a good opportunity for the fourth graders."
Dan Reed was one of the instructors. He gave a presentation on livestock animals to each of the classes that rotated through during the school day. He explained the differences between dairy cows and beef cows and gave a rundown on the uses of cowhide and leather.
Students then learned about wheat cultivation and watched a demonstration of a cotton gin.
Reed said the Farm Bureau lobbies the Texas Legislature on behalf of farmers and ranchers in the state and conducts educational campaigns to promote agriculture advocacy.
"We just want to get these kiddos to understand where their food and clothes come from," Reed said. "We want them to know the importance of agriculture in their life.
"They're eating the food that we're growing that's safe and healthy and affordable."
Ambassador for peace
Couple strives to save Central Christian's historic sanctuary
Staff goes all out for tradition
Pilot Point students hear about vaping risks
Hiking in the new year
Little Free Library open to all
Lynch enters record book
Pilot Point Chamber of Commerce presents 2019 awards.
PPHS reports successful semester, scores.
Trejo rebounds from heart surgery to play role in Bearcats' run
Night of fun brings in $85K
Street work in progress
Local girl fights brain cancer


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Today we had a Christmas brunch with the Clarks & Goradias.
I fired up all the Christmas pyramids.
The girls had fun tearing open their gifts.
Stewie made a new friend.
They love Oscar and Stewie! That's their main entertainment!
Love your photos! Are you using a point & shoot camera or a DSLR with a specific lens for photo'ing people at close range? My holiday photos never look this good!
Sandy - I'm using the Kodak Z950 - a point and shoot with a lot of features. One of my fav cameras.
Cool, thanks! I'll have to check it out.
EmmieM - no, it's not wrapping paper, it's a tote bag Tina got me.
I'll have to ask her.
Emmie - here are invite links for the sample sale sites in case you want to check them out - looks like some good sales coming up!!


Once you have a good idea of the potential problem to solve or opportunity to respond to, the next step is to establish a baseline of existing knowledge regarding the 'problem area'.
We call this the Starting Point Assessment because the activities in this module encourage you to bring together relevant, readily-available information in order to understand the environment you are stepping into.
The journey towards new and improved solutions should start with a current assessment of the problem, the existing approaches used to address it, and the context in which they occur.
This module aims to help you generate useful information on these important areas. The point is not to 'overdo' it – but instead to rapidly gather enough information to make a 'good enough' assessment of the problem. The focus of this research ought to be determined on a case-by-case basis, according to what sort of information is needed.
Understanding the baseline of existing knowledge will bring you closer toward a proper diagnosis of the root causes of a problem and the factors that contribute to it, helping you to move beyond the presenting symptoms.
A good-enough analysis will strengthen your problem diagnosis through the collection and use of different kinds of relevant information, and by bringing you closer to those who are facing challenges and might benefit from new solutions.
This module will help you to reach a deeper, more holistic understanding of the problem, and will provide you (and other relevant stakeholders, such as operational partners and/or donors) with useful baseline information by which to evaluate the impact of the solution you develop later on in the innovation journey.
It will enable you to develop criteria for things to pay attention to (priority areas, concerns, questions, etc) later in the process, and prevent you from wasting time in trying to solve the wrong problem for the wrong people.
Ready: Which kinds of knowledge are relevant at the outset of my project, and which are not?
Set: What do we already know or feel confident about? What kinds of knowledge are readily available?
Go! How can we generate, gather and collect information to fill gaps in existing knowledge?
Note: We recommend that for this module you complete all of the activities sequentially. There are exercises and tools in this section that will be useful to you throughout your innovation journey, and we will point back to them in different parts of the Guide.
This primer is aimed at familiarising you with some key concepts and frameworks that you will need to draw upon during the rest of the module.


text:
module Graphics.GL.ARB.TextureStorageMultisample (
  -- * Extension Support
  glGetARBTextureStorageMultisample,
  gl_ARB_texture_storage_multisample,
  -- * Functions
  glTexStorage2DMultisample,
  glTexStorage3DMultisample
) where

import Graphics.GL.ExtensionPredicates
import Graphics.GL.Functions