Jenny started working in insurance in 2001 as a receptionist for a local insurance company. She was quickly moved to customer service, where she assisted with customer requests, policy changes, and underwriting. By 2002, she was promoted to administrative assistance for the claims department and was responsible for opening new claims, assigning claims to adjusters, and issuing claims checks. Within two years, Jenny obtained her 6-20 license and was promoted to an in-house claims adjuster. She attended the Vale National Institute in Fort Worth, Texas to learn more about writing and processing estimates and once she returned from the course, began working in the field as an adjuster. In 2007, Jenny moved to Southern Financial Insurance Group for its grand opening. She obtained her 2-20 license and began working as an independent agent. Since she started at SFIG, Jenny has worked diligently on new business sales for personal lines customers, rounding accounts, maintaining a renewal book of business, agency procedures, marketing, accounting, and training.
Paula graduated in 1982 from Michigan State University in East Lansing, Michigan, with a Bachelor's Degree in Criminal Justice and Sociology with emphasis in corrections. Upon marrying her high school sweet heart in 1983, she moved from the beautiful shores of Lake Michigan to the Sunshine State, where she settled in Tallahassee.In 2003, after many years working in the banking industry as a litigation and recovery manager and an "at home mom" of three sons, Paula began her career in insurance at a small family owned agency as a commercial and personal lines processor. This agency was eventually sold and Paula took the opportunity to move to a large independent agency, where she specialized in commercial lines insurance and acquired her agent's license, as well as two additional designations.As a result of her years working on the commercial side of the industry, Paula was recruited in 2012 by Southern Financial Insurance Group as a commercial account executive. Her goal for SFIG is to provide top quality service to their existing commercial clients, expand their operations in Georgia, South Carolina and Louisiana, and eventually expand into Alabama and Mississippi.
Jack's insurance career began in Tallahassee in 1987, when he was hired by MetLife as an agent. He led the local branch in sales for several years and was promoted to branch manager. Jack then worked for a local Nationwide agency as a compliance officer for their securities clients and was listed on Presidents Conference 8 years in a row. He is a fully licensed agent for property and casualty, life, and health and has the NASD Series 6 Registration to help complement all of his customer's needs. Jack looks forward to continuing his career at SFIG, which has outstanding products and services. He grew up in the big town of Sneads, Florida and attended Chipola College before entering the insurance industry. He has two boys who loving playing ball. In Jack's spare time, he enjoys hunting and fishing.
Sandra's insurance career began in 1995 working as a receptionist and then Auto Customer Service Representative for a Nationwide agent in Dunedin, Florida. In 1997, she obtained her 2-20 Property & Casualty License and moved on to an Independent Agency, where her career in the Independent world started. In 2000, she earned her Life, Health and Variable Annuity license and started working for another Independent Agency as their lead sales agent providing customers with auto, home and small commercial liability insurance. After getting her Insurance Instructor Certification in 2006, Sandra worked at Pasco Hernando College helping other prospective agents get their license for Property and Casualty, and Life and Health. In 2007, she started a three-year hiatus from insurance while taking care of her elderly mother. In 2010, she joined an Allstate Agency as their homeowner's agent offering new homeowners policies to new clients and finding other insurance options for current clients who were being non-renewed. In 2011, Sandra was chosen to help grow a startup independent agency in Trinity, Florida, as their agent of record. After nearly 26 years, Sandra decided to leave the big city for Tallahassee and joined Southern Financial Insurance Group. She thinks of herself as an insurance educator for her customers rather than a sales agent. She wants to help them understand what they need to protect themselves. With her experience, she looks forward to helping the agency grow and being a valued member of the new community.
Sandy Hennessy is a Personal Account Manager at Southern Financial Insurance Group, specializing in all lines of Business and Residential; Property, Auto and Liability Insurance. She brings to the agency a broad knowledge of people and businesses in the Tallahassee area. For the five years prior to joining the Southern Financial Team, Sandy managed a very successful property management company. She has twenty years of experience in residential and commercial real estate sales. Many of those years, achieving the Tallahassee Board of Realtors acclaimed top producer award. Sandy's background offers the perfect complement to property and casualty insurance services. Well known in the community for her ethics, integrity, compassion and drive, Sandy believes in truly taking care of her clients and building long term relationships of trust, professionalism and friendship. She thrives on challenges. Sandy was born and raised in Tallahassee. Her kids, Julia and Max, are her joy. Sandy attended Florida State University, where she obtained a Bachelors of Business Administration Degree with a focus on Management. As a member of Phi Theta Kappa, she graduated with honors. She delivers solutions that are customized to each individual's needs. Her primary goal is to provide clients with accessible expertise and an honest, thoughtful, problem-solving approach to the complex and potentially frustrating world of insurance.
Amy's insurance career began in 1987 working as a Personal and Commercial Lines Customer Service Representative for a small local insurance agency, writing and servicing accounts.In 1991, she obtained her 2-20 Property and Casualty Agents license.In 1992, Amy made a change to a local large independent agency and worked there for 20 years managing a large book of commercial accounts. She joined the SFIG team in November of 2013 with an optimistic attitude of being involved in the growth of a team-oriented agency.
Pamela's insurance career began in 1988 working as a Personal and Commercial Lines CustomerService Representative for a small local insurance agency, writing and servicing accounts.In 2001, she made the change to a local large independent agency and worked there for seven years, managing a large book of commercial accounts. In 2005, Pamela obtained her 2-20 Property and Casualty Agents license. Pamela began working on self-insurance funds with a large corporate company in 2010. In 2013, she was given the opportunity to work on a book of commercial accounts focused on Banking and Healthcare clients. She joined the SFIG team in March 2017, and looks forward to being involved in the growth of a team-oriented agency.
After graduating from The Florida State University with a B.S. in Risk Management & Insurance, Kevin worked for the largest insurance broker in the world. For the last 20 years, he has worked in the independent insurance agency system specializing in complex commercial accounts. Kevin has earned the distinguished designations of Certified Insurance Counselor and Certified Risk Manager. He also serves as an expert witness in error and omission cases. He has served as the president of the Independent Insurance Agents of Central Florida, a director of The Florida Association of Insurance Agents, and served on the National InVEST board for the Independent Insurance Agents and Brokers of America. Kevin also enjoys donating his time to teach at local high schools and universities.
Teresa started working in the insurance industry with High Performance Insurance Agency in 2011. She began by assisting the agency through data entry processing and quickly realized how much she was enjoying my work, so decided to pursue a carrier in insurance. With the help of the wonderful agents she was working with, Teresa started learning and expanding her knowledge and was offered a position in customer service & office assistance.In January 2014, Southern Financial offered Teresa the opportunity to come on board and become a part of their team in the Orlando office. She started in customer service and shortly after was able to obtain her Florida Customer Service Representative 4-40 License. Being fluent in Spanish has given her the opportunity to reach out and assist many Spanish speaking customers from all over the state of Florida, but especially those in the Orlando area. Teresa strives daily to give the best she has to offer to the agency's clients through her excellent customer service skills.


$5,000 worth of prizes from our prize pool.
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A way of problem solving that allows you to create innovative solutions rooted in people's needs through collaboration, empathy and iteration.
Go to go.hackdfw.com/welcome for more information!
Check out our website to join the Cisco Spark Help Room.
3) Hack must be something started at HackDFW. Coming up with an idea prior is fine, but team cannot use preexisting materials.
4) If you are going for a specific API prize, don't forget to submit your hack to that challenge.
6) Seriously, don't submit late.
VP of Toyota Connected, Inc.
Originality. Is this something unique and special?
Did you implement or build complex systems or algorithms, or just use pre existing tech? How advanced is this prototype, and does it require special skills to execute? DID IT WORK?
Does your creation work for the user and as intended? Does it look good?
Do you see this as a future consumer/enterprise product or technology? Is there a future to what you built? Did you clearly convey that in your pitch?


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Delta's Launching Nonstop Flights From New York to Mumbai This Winter
Max Prosperi
Delta Air Lines is returning to India this winter. The airline announced Tuesday afternoon that, beginning in December, it will fly nonstop between its New York-JFK hub to Mumbai, India (BOM). With the new nonstop service between the United States and India, Delta will become the second US carrier to serve India.
Nonstop service from New York JFK to Mumbai begins on December 22nd. Delta will operate the new nonstop service with a retrofitted Boeing 777-200LR. The aircraft will feature the new Delta One Suites in business class and Premium Select in premium economy. In addition to both of Delta's new premium products, the aircraft features Comfort+ and standard main cabin seating.
Delta One Suites. Photo by Emily McNutt / TPG
Delta will offer a daily round-trip flight. The service will operate year-round. The following table displays the scheduled flight times:
Route Departure Time Arrival Time Scheduled Flight Time
New York (JFK) to Mumbai (BOM) 9:15 PM 10:50 PM (+1 Day) 16:35 Hours
Mumbai (BOM) to New York (JFK) 12:50 AM 6:35 AM 14:45 Hours
Delta previously served India beginning in 2006, from Atlanta, but ended the service in 2009. The airline claims that service between the US and India became "untenable" as a result of "illegally subsidized Middle East carriers."
"Subsidies pose a serious threat to American workers. Every long-haul route lost or foregone to subsidized Middle East carrier competition costs more than 1,500 American jobs", said Peter Carter, Delta's Executive Vice President and Chief Legal Officer in the airline's official press release. Delta, American and United say that some Middle Eastern airlines compete unfairly. Other airlines, including some US-based ones, dispute that.
(Image via Delta Air Lines)
Delta's Vice President and Chief Legal Officer also claimed that the new service between the United States and India was made possible by "landmark agreements the Trump administration reached with Qatar and the U.A.E."
Delta's CEO Ed Bastian further praised the president of the United States saying in a press release that, "This route would not be possible without the administration's ongoing efforts to enforce fair competition in international travel, ensuring that consumers enjoy a wide range of choices as they travel the globe."
With the airline's new service, Delta will join United and Air India in serving India from New York City.
While flight schedules were made available, Delta has yet to release tickets for the new flights from New York to Mumbai. The airline's official press release did not include a timeline of when flights will be added to the Delta's schedule or when tickets will be available for purchase.
Featured image by Mint Images / Getty Images.
Max Prosperi is a part-time frequent flyer and travel writer and full-time student. Based in St. Louis, Missouri, Max covers a variety of topics with a focus on points, miles, and aviation.
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redpajama_set_name: RedPajamaCommonCrawl


The Gold Discovery Centre in Waihi have released a new video.
We often get asked, "what is the Gold experience all about? So to help explain and promote the award-winning visitor attraction at Waihi's Gold Discovery Centre, they've just released a new video. Through this medium they've been able to better demonstrate the interactivity and uniqueness of how to tell Waihi's gold story that spans three centuries.


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Raamsdonksveer è una cittadina di circa 12.000 abitanti del sud-est dei Paesi Bassi, facente parte della provincia del Brabante Settentrionale e situata nella regione nota come Amerstreek (Brabante Occidentale). Dal punto di vista amministrativo, si tratta di una località del comune di Geertruidenberg; fino al 1996 aveva invece fatto parte della municipalità soppressa di Raamsdonk.

Geografia fisica
La cittadina di Raamsdonksveer si trova nella parte nord-occidentale della provincia del Brabante Settentrionale, a sud del parco nazionale De Biesbosch ed è situata tra le località di Oosterhout e Werkendam (rispettivamente a nord della prima e a sud della seconda)  e tra le località di Made e Waalwijk (rispettivamente ad est della prima e ad ovest della seconda) , a circa 20 km  a nord/nord-est di Breda.

Origini del nome
Il toponimo Raamsdonksveer, attestato anticamente come Raamsdonksche Veer (1838-1840) e come Veer-van-Raamsdonk(1846) significa letteralmente "traghetto (veer) di/per Raamsdonk".

Storia

Monumenti e luoghi d'interesse
Raamsdonksveer conta 7 edifici classificati come rijksmonumenten e 23 edifici classificati come gemeentelijke monumenten.

Architetture religiose

Onze Lieve Vrouwe ten Hemelopnemingkerk
Tra i principali edifici di Raamsdonksveer, figura la Onze Lieve Vrouwe ten Hemelopnemingkerk o Onze Lieve Vrouw Hemelvaart, un edificio religioso risalente al 1957 e costruito su progetto dell'architetto Kees de Bever.

Architetture militari

Forte Lunette
Altro monumento di Raamsdonksveer è il Forte Lunette, un forte realizzato tra il 1837 e il 1839 a difesa della via Breda-Gorinchem.

Architetture civili

Watertoren
Altro edificio e rijksmonument di Raamsdonksveer è la Watertoren (Raamsdonksveer)Watertoren, una torre di ... metri realizzata nel 1925 su progetto dell'architetto Hendrik Sangster.

Villa Chartroise
Sulla Heereplein si trova invece Villa Chartroise, una villa costruita tra il 1940 e il 1941 su progetto dell'architetto Kees de Bever, che fu residenza della famiglia Heere fino agli anni settanta, quando fu adibita a municipio.

Mulino De Onvermoeide
Altro edificio d'interesse è il mulino De Onvermoeide, un mulino a vento risalente al 1890.

Geografia antropica

Suddivisioni amministrative
 Buurtschappen

 Keizersveer

Sport
 VV Good Luck, squadra di calcio
 SV Veerse Boys, squadra di calcio
 Den Dunc Hercules Combinatie, squadra di hockey

Note

Altri progetti

Collegamenti esterni

Località della provincia del Brabante Settentrionale

redpajama_set_name: RedPajamaWikipedia


Social Media – The Conspiracy to Alter Perception – 7.28.18 | Inside the Eye - Live!
As both Twitter (TWTR) and Facebook (FB) stocks tanked to close July, 2018, a disturbing pattern of abuse by social media companies have begun to surface against the users of these platforms. The result is declining usage, a slowing growth rate, and falling revenues. All of this is, of course, a toxic mix, punishing Facebook to the tune of US$119 billion in what is a record loss for a single company in stock market. A couple days later, Twitter saw the same toxic mix affect its stock price as it, too, fell some 20%.
Company officials from each company ascribed the results to each company's efforts to improve platform "health": what they were really saying was that each company is working to implement Jewish inspired censorship requirements as well as their respective efforts to self impose censorship as a part of their operational policies.
A discussion ensued regarding Twitter's "shadow banning", a strategy used by Twitter to ensure that Jewish centric, LGBTQP centric, and general "leftist/progressive" agendas are promoted above traditional Western values and interests. In fact, virtually all media personalities within the "ITEL network", including Frederick Blackburn's Twitter "blackbird9_9", Andrew Carrington Hitchcock's Twitter "achitchcock", and many others, are in what is known as a "QFD Shadow Ban", a tactic that effectively pidgeon-holes the messages being sent out into tightly controlled, marginalized "echo chambers".
The failure to inform the user of these tactics, as well as the support lent to competing ideologies, is, as far as we are concerned, tantamount to fraud and discrimination. More, when applied to the political world, unilateral support given to one side of the political spectrum but denied another is nothing less than undeclared contributions to political affiliations, acts that violate American Federal Election Commission rules.
This show discussed at length the current social media environment pro-American, pro-European, counter-Semitic, and traditionalist Americans face as they take on this globalist agenda intent on destroying the very fabric of Western civilization.
Jan Lamprecht from History Reviewed came on in the third hour to discuss some of the latest political and economic developments affecting the Horn of Africa.


text:
Albion Strategic Consulting
The Boat Shed
Michael Browning Way
EX2 8DD
info@albionstrategic.com
Investing principle 3: Let markets do the heavy lifting
Published: 1st June 2022
| Technical Detail:
Dan Tutchings
In investing, there are two main sources of potential returns. The first is the return that comes from the markets and the second is the return generated through an investor's skill. At its simplest, the latter mainly comprises two sources: one is to time when to be in or out of the markets (market timing), the other is to pick great individual stocks (stock picking).
Empirical evidence suggests that trying to beat the market – through either market timing or stock picking - is a tough game, with very few long-term winners. Our view - in line with both academia and many major institutional investors - is that it is not a game worth playing. Letting the markets do the heavy lifting on returns takes a great weight off your shoulders; you no longer need to worry about picking the right stock, the right manager or deciding if you should be in or out of the markets. As one cannot control the returns of the markets, the structure of your portfolio becomes key.
We generally refer to markets 'working well'. By this we mean that markets are reasonably efficient at pricing in new information. This effectively means that it is very difficult for investors to outperform the broad market, as to do so would require either luck, or the possession of information that is not already in the price.
This phenomenon is known as the 'wisdom of the crowd'.
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Ben Edwards, CFA
Published: 14th December 2022
Markets move
Markets move - that's the nature of the game
Published: 25th October 2022
Bond prices: 'Six of one...'
'... and half a dozen of the other'. Elegant symmetry of bond maths means there is no free lunch when it comes to changing market yields.
James Baker
Published: 12th September 2022
The temptation of higher interest rates
Interest rate rises are tempting, but the opportunity costs can be large for locking away cash
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What do you do when a first U.S. record shows up about two hours from where you live? If you are me, and you live in southeastern Arizona, and the bird in question is the Pine Flycatcher, you watch your Facebook newsfeed fill up with brilliant pictures taken by all of your friends who were free to go look for this unlikely arrival. It was midweek, though, and I had to work.
By the following Saturday, it was clear that the bird was planning on sticking around for at least a little while longer. According to all of the reports, she was working on a nest and everyone who managed to navigate the somewhat treacherous drive in from the road was rewarded with a chance to see this first-ever visitor from south of the border.
I was at a birthday party with a bunch of birder friends, most of who had already seen the bird. My pal Greg wanted to go the following morning, but didn't have a vehicle that could make the trip. I had the vehicle, but was looking for someone to accompany me. Our plans fell into place pretty quickly after that.
The Santa Rita Mountains are one of southeastern Arizona's Sky Islands, disjunct mountain ranges that are separated by "seas" of desert grassland and scrub. While the region is world renowned by birders, it is a biodiversity hot spot for everything from ants to oaks. Southeastern Arizona and the Sky Islands are a naturalist's idea of Eden.
The west side of the Santa Ritas is fairly well known by birders: the famous Madera Canyon and Florida Canyon are there. The east side, however, receives far less attention, probably because it is more difficult to get there, a longer drive with challenging access.
It was in one of these under-birded canyons that bird guide Dave Stejskal found the Pine Flycatcher in late May of this year. Word quickly spread and birders from across the state and country descended upon the region in hopes of seeing the unlikely bird.
Sunday morning, June 5, 2016, Greg and I left Tucson while it was still dark and headed southeast. The first part of the drive from Tucson to Aliso Springs is straightforward—interstate and secondary highway gets you to the turn off where the road quickly turns to dirt and rock, leading you head ten miles into the canyon. It was slow going, with rocky, twisty, steep road, but our vehicle handled it with no problem and by 6:30 am we pulled into the parking area at Aliso Springs. A small group of birders was already there, including Troy Corman, Arizona Fish & Game Department biologist and one of the editors of the Arizona Breeding Bird Atlas . The bird wasn't there when we first arrived, but Troy pointed to the nest she was building, high in an oak tree. We kept our eyes on the area and within ten minutes we heard a soft whip note. In the Pine Flycatcher flew. I was grateful to be with another birder who had the same birding style as me, in no hurry to leave once we'd seen the bird. We stayed there for three hours, mostly standing in the same spot, watching the Pine Flycatcher fly in and out, taking pictures, and enjoying the other birds in the area.
The Pine Flycatcher was incredibly relaxed and didn't seem to notice all of us gawking at her with our binoculars, cameras, and spotting scopes. We watched her find nesting material and bring it back to the nest she was working on. She foraged on the ground. She took a bath in the spring and then perched on a twig and preened her feathers. She flew off for minutes at a time, always notifying us of her return with the whip call. She practically posed for us. She was that cooperative.
Finding reliable sources of water in the desert can a life and death situation for wildlife (for people, too). Springs like Aliso provide critical habitat not just for birds, but all kinds of wildlife. I found out later that Tucson-based non-profit Sky Island Alliance has been monitoring Aliso Springs as part of a long-term project at springs across the region. They are using the information to help understand if their habitat restoration efforts are having the desired affect on wildlife and ecosystems. The study is also helping to track the impact of climate change on spring ecosystems. Now their data have a pretty compelling and interesting angle for birders: is there something special about Aliso Springs compared to other similar spring sites, or are there similarly good areas with the potential for unusual species to turn up?
In a stunning example of the Patagonia Picnic Table Effect, the week after I saw the Pine Flycatcher, a birder reported an Aztec Thrush in the same area—another unusual visitor to the region. And the birds at Aliso Spring are great even without the rarities—Sulphur-bellied Flycatchers squeaked as they foraged in the trees, Mexican Jays squawked as they flew by, and Scott's Orioles sang from the tree tops. It's a beautiful spot of its own accord, Pine Flycatcher or no.
We all love to bird in the famous spots: Ramsey Canyon in the Huachucas; the South Fork of Cave Creek in the Chiricahuas; Madera Canyon in the Santa Ritas; the list goes on and on. I have lived in southeastern Arizona for over fifteen years now, and I sometime still have to pinch myself to see if I am dreaming when I visit these fabled locations.
But it makes you wonder: how much more would we see if we went birding in spots where no one usually birds? If a tree falls in the woods and no one is there to hear it, does it make a sound? If a Pine Flycatcher whips in southeastern Arizona and no one spots it, was it still there?


"Garden" is a music video from UK. The entry has 3 chart's achieves on Popnable. "Garden" has reached 3.6M views, 29.8K likes and 417 dislikes as total.
"Garden" is a music video from UK. The entry has 3 chart's achieves on Popnable. "Garden" has reached 1.7M views, 29.2K likes and 903 dislikes as total.
"Garden" is a music video from UK. The entry has 5 chart's achieves on Popnable. "Garden" has reached 997.5K views, 12.7K likes and 386 dislikes as total.
"Garden" is a music video from USA. The entry has 0 chart's achieves on Popnable. "Garden" has reached 967.7K views, 12.8K likes and 201 dislikes as total.
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« Being in the Right Place (at the right time)!
Who knew that Icabod Crane was an early thermographer?
4 comments to Teaser Infrared Image – What Is It?
Yup I'll agree with John T. and Steve M. theres a light of some type inside a carved out pumpkin ( jack-o-lantern ). You can just make out the cut line around the stem. And of course the fake skeleton hand…it is fake ..right…right…!!!!.THE END.


Pro sports leagues (pre-May 2018): Sports betting is the scourge of the earth and will ruin the integrity of our games.
Also pro sports leagues (post-May 2018): How fast and in how many ways can we get paid on this sports betting thing?
The latter is the new normal in a post-PASPA landscape. The cash grab initiative actually predates the May 14 Supreme Court decision. The request for the now infamous integrity fees first popped up in an Indiana sports betting bill back in January. The league would attempt to incorporate them – along with official data fees – in the bills for numerous other states.
Having repeatedly run into a legislative brick wall on that front thus far, the leagues are starting to adjust on the fly. In the spirit of "if you can't beat 'em, join 'em", the NBA and NHL have already struck partnerships that include remuneration for official statistical data with MGM Resorts International.
As it turns out, that was only the tip of the iceberg. Individual teams in states with legalized sports betting are also getting in on the action with their own deals.
The NFL's New York Jets — which play their home games in sports betting-friendly New Jersey — signed a sponsorship deal with 888 Casino.
Caesars Entertainment found willing partners in both the NHL's New Jersey Devils and the NBA's Philadelphia 76ers for its own marketing deal. In the case of the Devils, the agreement includes a second sports betting lounge inside the team's Prudential Center arena. The first will be William Hill-branded in a deal signed the week prior. Fans will be able to make bets through the respective sportsbooks' apps within the lounges.
The Jets signed a second deal during the week, this time with MGM Resorts International as their official gaming partner. The relationship will include a free-to-play predictive game within the Jets' official app entitled "I Called It" that will offer prizes and other giveaways.
To cap off things off, the focus fittingly was on the "O.G." of U.S.-based sports betting — Nevada. Caesars Entertainment signed a 15-year agreement that makes it an initial founding partner of the forthcoming state-of-the-art home of the Las Vegas Raiders. The stadium is expected to be ready by the start of the 2020 season.
Leagues and teams only occasionally flirted with the gaming industry as a whole prior to the eradication of PASPA. A few teams did have sponsorship agreements with local casinos. However, with sports betting essentially limited to just Nevada, the possibility of a marketing agreement with a sportsbook was a moot point — there weren't any outside of the Silver State.
Therefore, the leagues had the luxury of pretending that point spreads, over/unders and the like were more or less dirty words that were never uttered or thought about. Yet all the while, an unquantifiable but relevant chunk of the audience on each of their games had some action riding on the contest, whether legally or not.
As it turns out, the progressive legalization of sports betting is not only bringing the public's widespread craving for the activity out of the shadows — it's shining a light on the voracious appetite the leagues and their teams have for it as well. In the latter case, the appeal comes in the significant amount of revenue and cross-promotion that the agreements they're inking at a breakneck pace can bring.
And some of the details in these newly-forged alliances have the potential to reshape and enhance the way that fans experience both their local teams and local casinos. The Devils' implementation of two sports betting-themed lounges with televisions and odds boards is one such new amenity.
MGM's agreement to extend "expanded hospitality offerings" at their properties to Jets season ticket holders is another. The thought of Gang Green superfan Fireman Ed getting a complimentary aromatherapy massage to relieve the stress of attending games at MetLife Stadium brings quite the chuckle.
The Vegas stadium deal for Caesars takes things to a whole other level. Select Caesars customers and members of the casino's Total Rewards program will have a chance for VIP dinners on the field, access to a Caesars-branded suite situated overlooking midfield, tours of the stadium and entry into special events at the team's training facility.
And of course, while none of these new partnerships involve a physical sportsbook being placed inside a team's arena or stadium, the possibility already exists for fans to place wagers on their mobile devices while at the events themselves in states where it's legal to do so.
The fact that they'll often be in sensory overload with respect to the signage, billboards and other forms of exposure for sportsbooks that these marketing deals enable should only help encourage that extra level of engagement.


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Home / Research / 2021 Model Comparisons / 2021 Honda CR-V vs 2021 Kia Seltos
Have you been thinking about purchasing a new crossover? With so many options available, how do you know which one will be a good fit for you and your needs? In this 2021 Honda CR-V vs 2021 Kia Seltos comparison, we take a closer look at the features of one vehicle that has been around for quite a while and one that is newer to the market.
More information about the CR-V and the Seltos can be found below. Otherwise, please click the link to view our new Honda CR-V inventory.
View Our New Honda CR-V Inventory
Interested in a 2021 Honda CR-V?
2022 Honda CR-V Sport
2022 Honda CR-V EX-L
2022 Honda CR-V Touring
1,500 pounds
Maximum Trailer Weight
39.2 cubic feet
Interior Cargo Volume
Not Available in Base Trim
Which crossover is right for me, the CR-V or the Seltos?
Let's first look at what powers these two crossovers. The 2021 Honda CR-V features a 1.5-liter I4 engine that produces 190 horsepower and 179 lb-ft of torque. On the other hand, the 2021 Kia Seltos has a 2.0-liter I4 engine that only produces 146 horsepower and 132 lb-ft of torque.
Are you hoping to tow a trailer since you are getting a larger vehicle? The 2021 Honda CR-V is able to tow up to 1,500 pounds when it is properly configured. The 2021 Kia Seltos should not pull a trailer.
Inside of both crossovers, there is a generous amount of space. There are 39.2 cubic feet of space behind the second row of seats in the 2021 Honda CR-V. In the 2021 Kia Seltos, there are only 26.6 cubic feet.
Finally, as you have been cruising down the road to your destination, have you accidentally started to drift into the lane next to you? It sounds like you might need a Lane Departure Warning System. If you begin to enter the lane next to you without turning on your turn signal, this system will let you know that you need to get back into your lane. This comes standard in the 2021 Honda CR-V, and not available in the 2021 Kia Seltos.
As you can see, if you are searching for a new crossover that is powerful, strong, and safe, then the 2021 Honda CR-V would be a great option for you. Are you interested in learning more? Please contact us today!


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Which North American city is the best place for summer?
over 11 years ago about United States
We want to know what North American (including Canada) city is the best place for summer. Vote for your favorite place on twtpoll - http://twtpoll.com/r/uvw3uv and let us know what you think!
Asked by Ian C via Travellr.com
i see that you didn't include chicago - that is the VERY best place in the summer - right on lake michigan! over 11 years ago
Answered by Dr. Jessica Voigts via Travellr.com
Hard call, I loved San Diego in the summer, I'd probably choose somewhere near the sea on the west coast. Whatever you do don't go to NYC in the peak of summer, talk about humid. over 10 years ago
Answered by Michael via Travellr.com
Tell me about NYC in summer! The subway is like a sauna... nothing like walking around a concrete jungle with sweat dripping off your face! Ian C over 10 years ago
Definitely stay on the west coast, but out of the deserts (Arizona, Nevada, etc.)...you'll escape the extremes in humidity and temps. I live in San Diego and it's darn near perfect! This year it's much cooler than typical summers...this weekend's forecast is for 71 F. Lots to do here! There's always Hawaii...which is perfect practically all the time! over 10 years ago
Answered by Janet E. Dore via Travellr.com
Depends on what you want to do/see? Do you want to be in the city? Do you want to see nature? Any particular activities? over 10 years ago
Answered by Dea Shipp via Travellr.com
Definitely Montréal. Summer doesn't last very long there so they make the most of the warm weather with loads of festivals. over 10 years ago
Answered by travelgear.com.au via Travellr.com
I would stay somewhere north. Last summer was brutal in the Northeast. The big cities in the summer are going to be crowded. over 10 years ago
Answered by John Prince via Travellr.com
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almost 12 years ago about San Francisco, United States
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almost 12 years ago about Yosemite National Park, United States
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The Dojo – Denton, TX
Home of "The Dojo" – Denton,Texas
Denton Dojo
Jodo / Aikido
Location and Class Times
Uechi Ryu Karate is a unique karate system. Based in Okinawa, Japan, it has its origins in Fukien, China in the 19th Century, where the founder, Uechi Kanbun, trained for over a decade. He eventually headed his own dojo there. The Denton Dojo karate group is directly connected with one of Uechi Kanbun-sensei's students, Shinjo Seiyu. Since Shinjo Seiyu-sensei's passing, his son, Shinjo Kiyohide-sensei has headed the Uechi Ryu Kenyukai Karate group, to which the Denton Dojo karate group is connected.
Because of Uechi Ryu's close contact with it's Chinese roots, it has a very different look and feel from what people usually think of as "karate". Rather than linear, it is circular; rather than hard, it is hard/soft, rather than fist, it is open hand; and rather than high, impressive kicks, it has low, quick snap kicks.
The emphasis at the Denton Dojo karate group is the same as that of the Shinjo Kenyukai Dojo in Okinawa…. strong karate through a lifetime of effort. This is a very traditional system, based on long term kata mastery and intense physical training and conditioning. It is not for children or folks who shy away from physical effort and physical conditioning.
The instructor of this group has over 30 years in karate under his belt. He is well known within the Uechi Ryu community for his karate and character.
If you are interested in real, traditional karate taught in an authentic atmosphere with long-term health and character improvement, please drop by the Dojo Uechi Ryu Karate group for a visit.


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Marianne Williamson is a spiritual teacher, author and lecturer. She is featured in publications ranging from Newsweek to Vanity Fair. She has been called a visionary - "the voice of her generation". A compassionate and compelling public speaker, her lectures on the spiritual psychotherapy and interpretations of "A Course In Miracles" have won critical acclaim and consistently are sold-out worldwide.
Marianne Williamson is the best-selling author of the audio seminar "Live".Marianne Williamson has published ten books, including four New York Times bestsellers. In addition, she is the founder of Project Angel Food, a meals-on-wheels program serving homebound people with AIDS.
Marianne Williamson also serves on the Board of Directors of the RESULTS organization. This is a program aiming to end poverty in the United States and around the world.Her many books include A Return to Love, The Age of Miracles, Everyday Grace, Illuminata, Healing the Soul of America, A Course in Weight Loss, and The Gift of Change. Marianne Williamson has been a guest on television programs such as Oprah, Larry King Live, Good Morning America and Charlie Rose. She was named one of the fifty most influential baby boomers in a Newsweek magazine poll.
The Ultimate Marianne Williamson Library
by Marianne Williamson
The Nightingale-Conant Corporation is pleased to present, The Ultimate Marianne Williamson Library, by best-selling author, spiritual teacher and lecturer, Marianne Williamson. In this collection of great ideas in sound, you will hear some of the greatest audio segments that we at Nightingale-Conant had the great pleasure to publish with Marianne—-ranging from the late 1980's to the early 2000's, in both dynamic live lectures and intimate studio recordings. Each volume of this series is organized around a specific set of topics on which Marianne had a great deal to say over these 25+ years. You'll quickly discover why Marianne is considered one of the most powerful platform speakers in America, and why Mark Leibovich of the New York Times, referred to her as a true "self-help guru" of our time. Learn More
Marianne Williamson Live! Digital Download
Lectures Based on a Course of Miracles
This uplifting series captures Marianne Williamson at her best - in front of a live audience - offering her insightful interpretation of A Course in Miracles, the revolutionary self-study program of spiritual psychotherapy. Promoting a shift in thinking which leads to radical inner transformation. Her breakthrough messages explore pathways for change that will lead you to an entirely new understanding of your world. Her insightful and inspirational teachings show you how to live more fully and freely - intellectually, emotionally and psychologically. Just listening to Williamson - who draws on metaphysics, Jungian psychology, personal analogies and humorous anecdotes - is a revelation in itself. With her exciting style and charismatic personality, you'll find yourself listening to these to these sessions again and again. She has captivated live audiences around the world. Her books have been best-sellers. Now you can experience this great spiritual teacher in her own words.
Digital Download Exclusive
The Principles of Everyday Grace Digital Download
Having Hope, Finding Forgiveness, and Making Miracles
As this world appears to be speeding up and wrapping itself around fear-based thoughts, you find yourself having to make difficult choices. How do you find moments of grace during these personally trying times? The answer, according to renowned author Marianne Williamson, lies in asking for grace as you choose to focus on the opportunities that exist within these experiences
The Spirit of Success
by Marianne Williamson and Dr. Deepak Chopra
Consciousness & The Economy
Powerful and unique, recorded live in front of a sold-out audience, you're presented solutions to some of the toughest challenges at this time in our generation. Taking you through an in-depth understanding of consciousness as a field of infinite possibilities, infinite creativity, infinite energy, and infinite abundance. Promises to be intellectually stimulating and spiritually uplifting, grounded in both metaphysics and science, while teaching you how to reinvest yourself and your business or career, respond appropriately to any challenge you face, and reactivate the spirit of success. Learn More
Marianne Williamson On Practical Spirituality Digital Download
The Spiritual Path of Universal Love and Oneness...
All the great religious systems of the world speak of a divine consciousness within us, a deep center in our beings where all fear vanishes into core of oneness and love. It is here that we are all connected. It is from this place we form deep, spiritual relationships. Discussing how we access the enlightened energies of the spiritual center through loving thoughts and actions, and then apply these energies to the transformation of all aspects of our existence. This profound and illuminating live seminar will inspire you to bring healing to your life, relationships, and the world around you. In order to live more fully spiritual lives, we must unlearn much of what we have been taught, by a sleeping, loveless world. Withdrawing our attachment to the outer world, we can look within to the light of consciousness and love. Here, it is possible to let go of fear and experience the miracles that lie beyond it.
The Ten Bridges of Transformation Digital Download
Spiritual Guidance for a Radically New Life
Addressing 10 universal human challenges that act as gulfs, separating us from all the things we most want and need in life. When they rear their head - as they quite frequently do - we are rendered paralyzed by them, powerless and incapable of true movement. Offering 10 radical new ways of encountering these inevitable challenges. These "bridges" will enable you to recognize the challenges and transitions of life as incredible opportunities for growth and enlightenment. Each one will carry you instantly from a specific challenging circumstance - anxiety, living in the past and future, focusing on guilt, negative thinking, and many more - to its positive alternative. The 10 bridges are an eternal compass that guides us along the path to spiritual wholeness. Anytime you are lost, confused, frustrated, doubtful, fearful, even hopeless, you can use these 10 active principles to immediately reorient yourself toward love, peace, and fulfillment.


Highway pegs are one of the best improvements you can make to your bike. They're great for lengthy rides when you "really" need to stretch a bit.
I used the Kuryakyn "kit" number 7993 (see photo below) which includes offset mounts and wide footpad. The offset mounts allow a two inch rotation from center (which is likely to be the outside of your front bar). Between the vertical range of the clamp on the bar and various angles possible with the clamp and peg mount you're guaranteed to find a comfortable position. I have mine set up so my heel can be on the stock floorboard and toes rest on the Kuryakyn footpeg. Very comfy.
Tips: If you find the brackets tend to turn on the crash bar, visit Highway Peg Anti-Swivel. If the offset bracket turns or loosens when you put pressure on it, check out Nord-Lock Washers to keep them tight.


124 p. ; 12 cm.
BEIN Zc15 C5b 829bib 1: No. 1 of 4 Cherokee-language religious works bound together. Inscribed: Leonard Butterfield, missionary to the Cherokee Indians in South Carolina. From the library of Frank T. Siebert.
Bible. N.T. Gospels. Matthew. Cherokee. 1832.


Colombia has a market of 45 million inhabitants with a purely hydroelectric energy matrix; thus, it requires more diverse energy sources. There will be more production in 2018, though the regulations prevent better results in the Colombian market. The environmental laws are also tough for autonomous organizations. In Colombia, we are partners of Ser Colombia, the country's association focused on the renewable energy sector. SOLAR GREEN has been in the Colombian market for two years; we started to work with Law 1715 and began to open new businesses in Colombia. We are developing new projects and with the results obtained we have great expectations for our Colombian market. We were working from Spain from 2004-2008, and after 2008 we started to do international business and opened offices in Israel, India, Italy, Japan, and nine other countries. Our main markets are the UK and Japan. Uraba is our first installation of self-consumption solar in Colombia. We are working for a mall in Uraba—one of our industrial customers—and only use the B2B model. We are currently working on our commercial model because the market has not been regulated by the government. The regulation is meant to be ready in November, and we have great expectations for the future.
There has been a gradual maturity of the market in Colombia. Our main interest is to introduce green energy technologies, efficiency energy, and new technologies that allow industries and the commercial sector to improve their processes. GIE is an energy company established 15 years ago with a core business of electric infrastructure and conventional energy. Later, we went into lighting solutions. During this period, we developed consultancy and studies in co-generation, demand response, small hydro-electrics, geothermal, and wind energy integrated in energy efficiency programs. We offer different business models to our clients to allow the development of these projects like a PPA, via renting or leasing, which allow for the development of these solutions. What we look for in the market is new solutions and green building technology that saves energy and improves performance and processes. Our target clients are those from the industrial and commercial sectors that operate at warehouses, for example Coca-Cola and Bimbo, among others. Each conventional energy user is a potential client as well for renewable energy implementation. Our purpose is to retain such clients with other solutions.
Our business model for Colombia is aimed at selling turnkey solutions to corporations, so they can sub-generate energy and reduce their energy bills. We are also developing large multi-megawatt plants that sell electricity to the grid or major energy consumers and energy operators, though our main focus is on businesses wanting to generate power. Our operations in Colombia were established in time with the booming market. Because turnkey solar solutions were a new concept in the Colombian market, we had to put in hard work to generate interest, generate awareness, and open up the market for solar solutions. Initially, CEOs and companies had trouble envisioning these solutions because of widespread misconceptions about solar energy systems. However, we are now witnessing the rise of solar business in Colombia; we have four installations of various sizes scheduled for 2018, ranging from small (less than 100kW), medium (300-400kW), to large (over 1MW). In Colombia, we enjoy a number of great relationships, but there has been considerable uncertainty in the market due to lack of regulations. With new regulations in place, the stage is set for businesses to start flourishing.


Aishwarya Jain's Creation | Viden.io - Search your interest in the world's first crowd-sourced Knowledge Repository.
What is Information Security? Information Security is simply the process of keeping information secure: protecting its availability, integrity, and privacy. Information has been valuable since the dawn of mankind: e.g. where to find food, how to build shelter, etc. As access to computer stored data has increased, Information Security has become correspondingly important. In the past, most corporate assets were "hard" or physical: factories, buildings, land, raw materials, etc. Today far more assets are computer-stored information such as customer lists, proprietary formulas, marketing and sales information, and financial data. Some financial assets only exist as bits stored in various computers. Many businesses are solely based on information – the data IS the business. Information Security is a Process: Effective Information Security incorporates security products, technologies, policies and procedures. No collection of products alone can solve every Information Security issue faced by an organization. More than just a set of technologies and reliance on proven industry practices is required, although both are important. Products, such as firewalls, intrusion detection systems, and vulnerability scanners alone are not sufficient to provide effective Information Security. Information Security is a process. An information systems Security Policy is a well-defined and documented set of guidelines that describes how an organization manages, protects its information assets and makes future decisions about its information systems security infrastructure. Security Procedures document precisely how to accomplish a specific task. For example, a Policy may specify that antivirus software is updated on a daily basis, and a Procedure will state exactly how this is to be done – a list of steps. Security is Everyone's Responsibility: Although some individuals may have "Security" in their title or may deal directly with security on a daily basis, security is everyone's responsibility. A chain is only as strong as its weakest link. A workplace may have otherwise excellent security, but if a help desk worker readily gives out or resets lost passwords, or employees let others tailgate on their opening secure doors with their keycard, security can be horribly compromised. Despite the robustness of a firewall, if a single user has hardware (e.g. a modem) or software (e.g. some file sharing software) that allows bypassing the firewall, a hacker may gain access with catastrophic results. There are examples where a single firewall misconfiguration of only a few minutes allowed a hacker to gain entrance with disastrous results. Security is an issue during an application's entire lifecycle. Applications must be designed to be secure, they must be developed with security issues in mind, and they must be deployed securely. Security cannot be an afterthought and be effective. System analysts, architects, and programmers must all understand the Information Security issues and techniques that are germane to their work. End user awareness is critical, as hackers often directly target them. Users should be familiar with Security Policies and should know where the most recent copies can be obtained. Users must know what is expected and required of them. Typically this information should be imparted to users initially as part of the new hire process and refreshed as needed. Information Security involves a Tradeoff between Security and Usability: There is no such thing as a totally secure system – except perhaps one that is entirely unusable by anyone! Corporate Information Security's goal is to provide an appropriate level of security, based on the value of an organization's information and its business needs. The more secure a system is, the more inconvenience legitimate users experience in accessing it. Remember, IT - and Information Security are business support functions: Unless a companies business is IT, IT is (one of many) business support functions. Many IT professionals lose perspective - we do not!


EnerCorp is proud to recognize Cary Pair for his outstanding participation in our Safety Observation Program. HSE Director Gareth Young presented Cary with The SOC Champion of Year Award for 2018 during his recent trip to the Permian Basin. Cary's contribution to the safety program in 2018 was exceptional, helping us shape our safety culture throughout the company. Congratulations Cary, we appreciate all your hard work.
Rudy Ruiz earned second place in our Safety Observation Program for 2018. Rudy's commitment to safety is impressive, as this is the second year in a row that he has achieved second place. EnerCorp is continually improving its safety culture with the assistance of employee's like Rudy who truly care for the health and safety of those around him. Congratulations Rudy, we truly appreciate your continued hard work.
EnerCorp is proud to award third place in our Safety Observation Program for 2018 to Pin Sotelo. Pin was our 2017 SOC Champion of the Year and continues to participate in the program by watching out for his team members. Anyone that has worked around Pin will attest to his dedication to safety and his truly caring attitude towards his co-workers. Thank you Pin for being a safety leader in this company.
One of EnerCorp's core values is caring for others. Our employees display that quality each and every day. However, from time to time, an employee displays that quality in such a way as to go above and beyond and potentially save a life. Karl Hannah received the Brother's Keeper Award for always watching over the West Texas teams, as well as for his assistance in removing a dangerous driver from the highway when traveling home. Karl witnessed extremely dangerous and erratic driving by a vehicle and went out of his way to contact DPS and ensure that driver was removed from the roadways by the authorities. Karl, thank you for all you do to keep our teams safe and caring enough about your fellow man so as to always speak up and take action.


Germany's second largest bank by assets saw pre-tax profit jump in 2018 after a 5 percent increase in underlying revenue. Improving returns make the lender a more attractive partner from Deutsche Bank's view. Its own shareholders may conclude the company will be better off alone.
A Commerzbank logo is pictured before the bank's annual news conference in Frankfurt, Germany, February 9, 2017.
Commerzbank on Feb. 14 reported 2018 operating profit of 1.2 billion euros, up 8.4 percent from a year earlier. Revenue excluding one-off items rose 5 percent over the same period, to 8.6 billion euros.
The bank's return on tangible equity rose to 3.4 percent from 0.5 percent in 2017.
Commerzbank's common equity Tier 1 capital ratio was 12.9 percent at the end of December, compared with 13.2 percent three months earlier. The bank, which is still partly owned by the German government, proposed a dividend payment of 20 cents per share for 2018.
Domestic peer Deutsche Bank on Feb. 14 rebuffed calls for deeper cuts at its struggling investment bank, citing an overhaul in 2018. Its comments came after the Financial Times reported that four of the bank's 10 biggest shareholders wanted the lender to make cuts at its investment division, particularly in the United States.
The FT report, citing unidentified sources, said at least four members of Deutsche Bank's supervisory board shared the view.
Commerzbank shares were up 2.5 percent at 6.38 euros by 0925 GMT time on Feb. 14. Those in Deutsche Bank were down 1.9 percent at 7.43 euros.


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Thu, 25 Apr, 2019 - 11:04
New music degree to create a galaxy of Cork stars
JOHN O'CONNOR, Head of Pop|Jazz|Trad|Voice & Drama Studies at CIT Cork School of Music, explains how a new course at the college will add to its burgeoning reputation
Picture: Michael O'Sullivan /OSM PHOTO
CIT's Cork School of Music has been a jewel in Cork's crown since 1879 when it became the first municipal school of music in the British isles.
The current signature building on Union Quay replaced a purpose-built 1950s facility shared by RTÉ for half a century.
Today's structure, with its distinctive glass cube at its top left-hand corner, opened in 2007 following a long campaign by Cork's musical community, and accommodates more than 3,000 students of music and drama.
It has an international reputation as a superb facility for performing arts education and for ten years housed the world's largest fleet of Steinway grand pianos, recently overtaken by an American conservatory.
The BMus degree at CSM has provided a top-flight training and qualification for a broad range of musicians for more than 20 years. Graduates populate national and international orchestras, chamber groups, music & theatre school faculties, Defence Forces Bands, and a myriad of other musical contexts.
The addition of BA courses in Theatre & Drama Studies and Popular Music seven years ago created a wonderful creative and performing melting pot with an ever growing community of students and staff. The School of Music presents morew than 200 public performances per annum, both created in-house and by visiting performers from all over the world.
It became obvious as we tracked our graduates' career trajectories that a significant number were finding employment and success in the professional musical theatre industry via post-graduate study in the UK.
Many of our staff are active as musical theatre professionals and have observed over decades the steady stream of school leavers to musical theatre colleges in London in the absence of suitable training in Ireland.
It took four years from conception through development and validation by internal and external expert panels to bring it to realisation but, in September, 2019, our first cohort of 24 students will embark on a four-year, honours, level-8 BA in Musical Theatre.
Centred on an intensive training in the 'triple-threat' skills of singing, acting and dancing, students will be selected on the basis of talent and potential to join the industry as performers.
Musical theatre is booming in popularity with a proliferation of professional tours and an unprecedented number of amateur community shows, some of breathtaking standard.
Every town, village, and parish has a stage school, and primary and secondary schools have realised the tremendous benefit to students and local communities of annual musical productions.
On their Bluetooth headphones, teenagers are just as likely to be streaming the latest cast recording from Broadway – The Prom, Heathers, Hamilton, Dear Evan Hansen, and Waitress, as listening to the latest Billie Eilish or Lewis Capaldi single.
Their parents are listening to modern classics like Wicked, Book of Mormon, and Les Miserables, and all are captivated by new productions of the great twentieth century touchstones — West-Side Story, Cabaret, 42nd Street, and Sweeney Todd.
Even the ultimate shrine of snobbery and elitism, 'the Opera', has embraced musical theatre as an equal artform, and every opera season, from San Francisco to Vienna, now has a classic musical, Guys and Dolls, Carousel, Fiddler on the Roof, or Oklahoma up on the pedestal with Puccini and Wagner.
So, our two dozen neophytes, the brightest and best from local stage schools such as CADA, the Montforts, Performers Academy, and Cork Arts — and their counterparts from all over Ireland — where they have probably spent five to ten years intensively training after school with unbelievably talented and dedicated teachers, step into the dream in September.
They will spend every waking moment living and breathing musical theatre. They will find and cultivate their adult voices, developing a vocal range that can handle anything from Gilbert & Sullivan to heavy metal. They will learn how to act and bring to life a myriad of characters from Frankenstein to Mary Magdalen — ready to break hearts in eight shows a week. And they will acquire, every day, dancing and movement skills that will allow them to transcend the ordinary; becoming the Children of Lir, Billy Elliot, or a Chorus Line. They will learn to sing in ensemble, to pick pockets, to ride broomsticks and to sell newspapers on street corners.
Each year they will experience a quasi-professional production environment, spending a typical six-week period in a rehearsal room and theatre with professional directors, choreographers, musical directors, designers, technicians — 'the roar of the greasepaint, the smell of the crowd'.
Talent is a gift and unmistakable when nurtured. CIT and the Cork School of Music's mission, to provide 'career-focused education' means initiating this BA in Musical Theatre.
We will take this talent and add skills, discipline, inspiration, and the motivation to become the best you can be, so that new generations can follow stars such as Killian Donnelly, Michael McCarthy, Irene Warren, Cian McCarthy, and Molly Lynch to Broadway and the West End and a glittering career in Musical Theatre.
Applications accepted at CAO.ie using code CR130 until May 1.


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Paul Krugman Warns Crypto Craze Reminds Him of Housing Bubble
Economist Paul Krugman compared the cryptocurrency boom to the mid-2000s housing bubble.
Crypto has become so valuable and popular that people wrongly assume it's worth something, he said.
The Nobel laureate warned investors have "gone from the Big Short to the Big Scam."
Paul Krugman compared the cryptocurrency craze to the mid-2000s housing bubble in a recent New York Times column. He warned the hype around digital coins resembled people's unwavering faith in the US housing market before it tanked, sparking a global financial crisis.
Only a handful of investors — including Michael Burry of "The Big Short" fame and John Paulson — recognized that house prices had surged to unsustainable heights, and had the audacity and conviction to bet against ostensibly safe, mortgage-backed securities.
Krugman, who won the Nobel Prize for economics in 2008, attributed the mass delusion affecting almost everyone else to the "incredulity factor." Americans just couldn't believe that house prices were as inflated as naysayers claimed, or comprehend that trillions of dollars of real-estate value might be eradicated, he said.
"It just didn't seem plausible that markets, and the conventional wisdom saying that markets were OK, could be that wrong," the economics professor and columnist wrote.
Krugman asserted it's a similar story in the crypto market, which was valued at nearly $3 trillion at its peak in November. He pointed out the lack of practical uses for bitcoin, questioned how tokens are superior to conventional means of payment, and underlined crypto's popularity among fraudsters and money launderers.
The Nobel laureate noted that, just like during the housing boom, it seems ridiculous to question an asset class that has become so valuable and attracted so many influential promoters. It sounds absurd to suggest crypto is "a house built not on sand, but on nothing at all," he continued.
Yet Krugman's assessment is precisely that. "If you ask me, it looks as if we've gone from the Big Short to the Big Scam," he said.
Read more: An ex-hedge fund analyst at Steve Cohen's SAC Capital breaks down how bitcoin has failed as an inflation hedge — but explains why it and ether are still a retail investor's best bet in the crypto market
Zoopla warns of 'double-digit' house price drop if mortgage rates stay at 6%
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Spend 45 Days in the Traverse City Mental Hospital
By Clark Miller | Jan. 21, 2017
Raised on his family's farm on Old Mission Peninsula, accomplished journalist and author Johnston (Jack) Kerkhoff (b. 1900, d. 1958) later lost his sanity and nearly ended his life twice, but he knew where to turn for help: the Traverse City Mental Hospital.
To figure out how to go on with life, he voluntarily checked himself in for a short stay at the sprawling hospital during the early 1950s.
Kerkhoff had at least one thing working in his favor: he knew the outward reasons for his severe depression and failed suicide attempts. His wife Eleanor had died suddenly in 1940. Eight years later, his daughter Mary Ann, married and pregnant, also died.
In spite of his tragic personal circumstances, Kerkhoff seems never to have lost his writerly perspective. While being treated, he observed and recorded everything around him – the other patients, the hospital routine and even his own deep pain – and in 1952 published How Thin the Veil: A Memoir of 45 Days in the Traverse City State Hospital.
The title refers to a line by Irish painter and poet George W. Russell: "Ah, to think how thin the veil that lies between the pain of Hell and Paradise!"
It is a fitting description of the precarious life Kerkhoff – and most of his fellow patients – led.
Now in the public domain and just reprinted by Traverse City-based Mission Point Press, this very personal story is also a chilling account of standard, mid-century mental hospital treatments such as electrotherapy and insulin therapy.
How Thin The Veil offers a detailed account of the daily life of patients at the hospital. Out of bed at 5:30am. Lights out early. Supervised baths. Saturday dances (no more than three turns on the dance floor with the same partner.) Canteen privileges for the better behaved. Reassignment to different wards if a patient's mental state improved or declined. Work "therapy" for many. The Colonic Room. The Day Room, where so many personal dramas were acted out.
The hospital's roots reach deep here in northern Michigan. Today's younger set might think of wine shops, restaurants and summer concerts in the former hospital's vast expanses, now called The Village at Grand Traverse Commons, but older readers no doubt remember how some patients were allowed to walk downtown and how, over the life of the original facility (1885–1989), many people had family members who worked (or were patients) at the hospital.
Respect for Hospital Staff
Ask longtime Grand Traverse-area residents about the mental facility, and they are likely to say that it was a gentle and caring place. In spite of some of the more unsettling details included in his book, Kerkhoff reinforces that impression. With very few exceptions, he paints the attendants, nurses and other staff members empathetically.
Kerkhoff particularly singles out for praise male attendant Ken Bates, with whom he formed a friendship of equals. By the time he finally felt strong enough to leave the hospital – something many patients never achieved – Kerkhoff had also developed great respect for the doctor who guided his recovery.
Above All, the Patients
Kerkhoff, a self-admitted champion of the underdog who had already written a book about the Dreyfus affair, saves his best depictions for the patients he came to know in his month and a half on Ward D-3. Changing names to protect identities, he portrays them as real-life human beings, worthy of respect and with incredible if at times delusional stories to tell.
There's Willie, the hermit squatter and erstwhile guitarist who plays one chord over and over. There's the taciturn German with the nickname "Heil Hitler" who spends most of the day reading the Bible and otherwise yelling "Heil Hitler!" There's Franklin, a former store owner who is convinced that electrotherapy is merely a prelude to his death by electrocution. There's also Boy Blue, who eats "like a starving dog" and holds his shoes in his hands but never wears them. Then there's the Brat, a persistent moocher, and Teddy, the awkward young backwoods womanizer, and of course the Frenchman, who is known for his violent streak.
Kerkhoff can see the sad humor in each story, but he never belittles anyone. Along the way, he develops close friendships with two patients. Always there for support is his sidekick Len, an alcoholic and close observer of the human condition, and Kerkhoff's spirits are also bolstered by his growing affection for Suzie, a sensitive longtime patient who intuits much about the author and who understands that her uncontrollable mood swings mean she will probably never leave the hospital.
When Kerkhoff ends his self-imposed stay at the Traverse City Mental Hospital, he decides to live near his surviving daughter in southern California. Recovered from suicidal thoughts and better equipped to deal with the loss of his wife and family, he went on to restart his writing career but died in 1958 of unexplained causes during a trip to Mexico. His daughter died in 1999. It is believed he is survived by a granddaughter.
Kerkhoff started his career as a journalist at the Traverse City Record-Eagle. He later worked for the Grand Rapids Herald, the Detroit Times, the New York Journal-American and the Philadelphia Record. His other two books, which are still available in limited supply, are Traitor! Traitor! The Tragedy of Alfred Dreyfus and Aaron Burr: A Romantic Biography.
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Before you can think about residency in Italy, you will need a Permission to Stay, and before you can enter the country, you might need a Visa.
If you are planning to stay in Italy for longer than three months, you will need a Permesso di Soggiorno, permission to stay or Residence Permit. Depending on your intentions in Italy you need several official documents and a few Marca da Bollo (stamps) bought from the local Tabacchi (tobacco shop) prior to embarking on this treacherous process for getting a Permesso di Soggiorno.
If you are staying in Italy for less than 3 months, you don't need a Residence Permit, but you do have to report your presence in the country to the local Questura within 8 days of your arrival. The same if you stay for longer than 3 months.
If you come from a non-Schengen country, you must report your presence at the border and obtain a Schengen stamp on your travel document.
If you come from a Schengen country, you probably aren't even aware that you are being registered at the local police department. Usually any hotel proprietor, campsite owner or vacation rental will simply ask for your "documents" fill out the forms needed and then return your documents to you; please check that they also give you a copy of the presence document. This all seems fairly effortless to our naïve tourist eyes and at this level it is pretty easy.
The proprietors usually take the forms of all guests, avoiding the queues or lines because they are Italian citizens, and drop off those documents once a week or so to the Local Police. Not so bad. As tourists we go on our happy way enjoying the sites, the quaint shops, the tasty gelato and amicable Italian locals. We have no knowledge of the amount of bureaucratic paper shuffling and running back in forth the Italians and those who chose to live in Italy have to endure.
If you do not stay in a tourist accommodation, even though you are staying for a period less than 3 months, you are required to report your presence to the Questura. The Questura or Polizia di Stato, is the state police office in charge of immigration and foreigners. You can download the document you need to take to the Questura from here.
If you are a guest at someone's house, in most towns the host must declare that he/she is hosting you to the local authorities (comune) within 48 hours of your arrival. Check out with the local authorities.
To get a Permesso di Soggiorno first you need a visa. If you plan on being anything besides a tourist in Italy you must first get a non-tourist visa. This visa should be obtained in your home country where you will have to deal with your local Italian Consulate. I have heard some extraordinary stories of battles with local Italian Consulates. These consulates can sometimes be more disorganized and less cordial and cooperative than the Italian bureaucrats in Italy.
Once you have a visa you can then enter Italy and stay longer than the three months allowed with a tourist visit. Do not be mistaken by thinking once you have the visa and have entered Italy you are legal. The visa is only the 1st step the second is registering for the Permesso di Soggiorno at your local Questura (state police) once in Italy.
Reasons to stay (motivi del soggiorno) in Italy for other than tourism vary. The following are the main reasons one would be granted a visa, which gives you permission to enter and stay longer than 3 months.
I. Lavoro (work), is divided, into three options. You are asked to specify what kind of work in each case and often need an Italian employer willing to say they will grant you work.
1. Professionale (professional) asks what kind of work.
2. Autonomo (independent) asks what kind of work.
3. Subordinate (dependent) asks what firm or institution.
II. Studio (studies), which is split into five categories. In this case you need to have documentation of enrollment into a school, university or institution of education.
(Religious purposes) asks what kind of religious purposes. I believe for this type of visa or permission you would have to have some document from your temple, church or order stating why you are staying in Italy. It may also require that you have evidence of financial means for staying. Evidence you are being hosted or are employed by your religious order.
This is for those who plan on living in Italy but not working in Italy. One must be able to demonstrate that their intentions are only to live here. One must have the independent financial means and already have a place to stay such as rented property or purchased a home. In order to demonstrate independent financial means one is required to have a statement from the bank of ones income or savings that displays they are affluent enough to not seek employment or fall into dire financial straits.
I have heard that the bank statement doesn't only mean a copy of ones savings and checking account statement but also means a written letter from a bank employee saying that you are financially stable. Ones financial means is not only asked for with a visa in residence but also for many other visas and is a big concern to the Italian Government whether you can support yourself once in Italy and not be a financial dependent on their system. I believe one also must obtain copies of their fingerprints from the FBI proving they have no previous record as criminals or serial killers.
This visa is granted to those who have family purposes to stay in Italy whether one has a parent, relative, spouse or even love interest. This love interest or family member has to be willing to support and vouch for you. This often involves letters from the Italian family member stating they will host or take responsibility for you. Documents required are the letter from family member, your financial statements of independence and fingerprints proving you are not a criminal or serial killer.
There are several other reasons (motivi) for a visa that will allow you to get a Permesso di Soggiorno but these are the main ones that the majority of immigrants from English speaking countries will use. Though visas should be obtained from ones country of origin at their local Italian Consulate before entry to Italy, exceptions do occur. However, considering the complicated process of getting ones documents in order, it is best to do it by the book. To get specific details about paper work needed one should check your local Italian embassy or consulate for information on Visa. Here is the complete list, updated by the MAE (Ministry of Foreign Affairs): http://www.esteri.it/mae/en/ministero/servizi/italiani/rappresentanze/.
My experience has been that most consulates are better reached through email for information and usually have good descriptions of the visa process on line.
Once you have tackled the chore of getting a visa and have arrived in Italy you can then begin the thrilling process of getting your Permesso di Soggiorno. As previously stated, you must register for a Permesso di Soggiorno with in 8 business days of arrival in Italy.
The first thing you want to establish is the location of your local Questura. Once you find out which Questura you need to go to for processing your Permesso di Soggiorno you should find out the following information: the hours of processing and what your particular Questura requires for your particular Permesso di Soggiorno. Unfortunately the requirements for a Permesso are not standardized throughout Italy. This information should be provided on-line or at your local Comune or tourist information.
1. 4 passport style photographs of yourself, which can be obtained at almost any photography store.
2. A Marca da Bollo worth 14.62 Euro. You can purchase this at almost any Tabacchi store. Remember prices for stamps do change rapidly so check the value of the Marco di Bollo needed first.
3. You will need a photocopy of your passport front pages, the page that has the date stamped of your entry to Italy and the page that has your visa for a stay longer than tourism.
A word of warning for those living in big cities or near big cities that tend to have a large immigrant population…the wait to present your documentation to be processed can take up to 4 to 5 hours. Fortunately most of these Questuras will have you line up for numbers. These lines can begin growing at ungodly hours of the morning such as 5 am or 6 am. The numbers are then passed out with 2 copies of the form modulo 210, which is the generic form needed to be filled out for all types of Permesso di Soggiornos.
Fortunately for us English speakers it is in both Italian and English. Once you have your number, do not trade it with some one else, lose it or leave it where it could easily be swiped by another desperate immigrant. This number is the only way you will be able to present your paper work to the teller. Chances are you will be waiting in great anticipation for that number in your hot little hands to show up, so keep it dear to you. Considering you will be waiting for up to 4 or 5 hours, make sure to bring some sort of activity such as a good book to read, cross word puzzle or some sort of amusement to pass the time. You could always leave and come back but be wise about timing. The Carabinieri (state police) are not sympathetic to those who either missed their number because they were not there or failed to notice it was called.
After you have given the lovely Carabinieri official your documents and they have handed back a stamped and filled out copy of Modulo 210 with one photo of your self, you have the pleasure of returning in probably 2 months to wait again in line to get your finger prints and the official Permesso di Soggiorno. Be aware that often the Questura has different days for pick up, for the Permesso di Soggiorno then drop off of documents. The returned form should have a date posted on it stating when your official Permesso di Soggiorno will be ready. Also the site for your particular Questura should post when your Permesso di Soggiorno is ready for pick up. There are tracking numbers in the top right hand corner of Modulo 210 that will be posted online when ready for pick up.
Good luck with the Permesso di Soggiorno. It is annoying and tedious but a required duty to remain in Italy with out the threat of being stopped by the Cabinieri and deported back to your country with the potential penalty of not being able to return for sometime, if ever.


I woke up and took a shower around 9:30 this morning, and put some roller in my hair. I got dressed in the long dress I had brought from home, and put on my slip on croc sandals. After an entire day of shopping yesterday, I didn't even wear anything I bought. It was very humid and it was raining. I didn't have an umbrella, and didn't want to buy one and have to haul it around with me. My airbnb had a bunch of umbrellas, but my hostess was still asleep and I didn't want to ask to borrow one. The restaurant was about 20 minutes outside of town by taxi, and I still had maybe an hour or so to kill before I needed to head out, so I went back to the coffee bar I went to across from the tourist office and got a café au lait and what looked like a wheat or multi grain croissant. I knew I should eat something before lunch and wine. I finished that and had another coffee.
It was still raining, but it wasn't the least bit cold. Most people had a jacket or sweater on and umbrellas but I was walking around in a sleeveless maxi with no umbrella. I put lipstick on today also, fancy fancy. The taxi rank was on the other side of the boulevard and about a block down so I just took my time, despite the sprinkling, and made it across the street and to the taxi rank without becoming completely soaked.
I picked a great time, a lull in taxi demand, about noon and hopped into a cab and we headed out of the city into the gorgeous countryside, full of farms and beautiful trees, all very green- mountains or rolling hills. We eventually pulled into the restaurant and I got out. My reservation was at 12:30 and it was around 12:15. There were lots of cars in a parking lot so I assumed that other people were also early.
They called a cab for me, and I headed back into town. I had decided to go to a restaurant in Orio tomorrow and texted the Chef that Carlos Walther Meade had recommended to find out if I could get a reservation for tomorrow. He agreed and told me to come anytime between 1:30 and 3:00. I went into the tourist office to figure out how to get to Orio from the city center, and found that the tram went there twice every hour all day, so it was very simple to do.
I went back to the airbnb for a nap before I headed back out. I had decided I was going to go out, find something to eat, and stay out for the fireworks.


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Home | Admissions | Bursaries
16-19 Bursary Termly Payment Request Form
16-19 Bursary Order Form
16-19 Bursary Petty Cash Form
16-19 Bursary Reimbursement Form
Bursary Application Form
What can I spend my Bursary on?
Bursaries -
In September 2011, the Government replaced the Educational Maintenance Allowance (EMA) with a 16-19 Bursary Fund. The aim of the fund is to provide assistance to all of you whose access to, or completion of, education is inhibited by financial constraints or barriers.
Payment is dependent on meeting agreed attendance, achievement and behaviour criteria as laid out in the Stroud High Sixth Form Learning Agreement. You will be given further details on this easy process once you have joined us in September.
You are eligible if you:
- are following Government funded full-time or part-time courses;
- are 16 years and over;
- under 19 years of age on 31st August in the academic year in which you start your programme of study; and
- fulfil the residency criteria in the EFA Funding Guidance for 2013/14 (see https://www.gov.uk/16-to-19-education-funding-guidance).
To be eligible for funding, you must provide evidence that you satisfy the eligibility criteria.
To apply for a Bursary either download and complete the 16-19 Bursary Application Form (see the menu on the left of screen) or pick up a form from Julia in Sixth Form. Applications cannot be made until a Sixth Form place has been confirmed and you have commenced your post-16 studies with us.
Applications will be accepted throughout the academic year to allow for changes in personal circumstances. However, as funds are limited, it is in the student's interest to apply as soon as conveniently possible. All completed applications should be given to Sarah Tapscott, Acting Head Head of Sixth Form.
Please note that an application will not be assessed unless it contains full details including documentary evidence of household income.
Funding Levels
There are five different funding levels, details of which can be found on the application form.
Discretionary Bursary
Parents/Carers/Students may approach the school at any time in case of hardship (including sudden or temporary circumstances) for assistance, these cases will be dealt with on a case by case basis. Please contact Sarah Tapscott, Acting Head of Sixth Form. Any discussion will be treated in the strictest confidence.
You are entitled to appeal against the decision made in relation to your appplication for a Bursary or the withholding of payments. You should write a letter of appeal to Mr Mark McShane (Headteacher). This will be forwarded for consideration by an Appeals Panel consisting of Sarah Tapscott (Acting Head of Sixth Form), Mrs Sandra Thomson (Business Manager) and a Governor.
Applicants' parents are responsible for providing true, accurate and complete information on total household income. Fraudulent claims for Bursary allocations will be treated very seriously. Students found to make fraudulent claims will be required to refund all payments and the police will be informed.
Find Out More about Getting Financial Support
Am I eligible for a grant?
Because there are only limited funds, schools have to make sure that grants reach those most in need of support.
To be eligible for Level 1 funding you have to show evidence of:
- Being a young person in care
- Being a care leaver (young people who cease to be looked after or accommodated)
- Being in receipt of Income Support
- Being a disabled young person in receipt of Employment Support Allowance and Disability Living Allowance.
To be eligible for Level 2 funding you have to show evidence of being in receipt of Free School Meals. This shows that you are in receipt of certain benefits and must be renewed every six months.
To be eligible for Level 3-5 funding you have to show evidence of financial hardship. Each application will be considered on individual circumstances..
What "evidence" do I need to show?
The application form gives examples of evidence that might support your application for a grant. If you do not have any of these but would still like to be considered, you should write a letter to the Head teacher and attach it to your application giving clear details about your household's income.
When should I apply?
Applications are considered at any time throughout the year. However, it is in your interest to apply as soon as possible, as funding is limited. You should submit your application to Ria Patel, Head of Sixth Form.
If you have been awarded a Bursary, it will last for the academic year, unless your circumstances change, so you won't need to apply again. New applications can be submitted at any time for consideration.
In the event of an emergency, you should talk to the Head of Sixth Form as grants may be awarded in extreme cases.
Will I automatically get what I apply for?
If you qualify for Level 1 funding, you will be entitled to this grant.
Level 2, 3, 4 and 5 funding is discretionary and will be allocated depending on need and funds available. The more information you put into your application about what you will find difficult to fund and why, the more easily the school will be able to assess your needs.
How will I know what I might find difficult to fund?
If you travel by bus to school, think about how much this is going to cost for the year. Might you need to travel to other course related events, or do you plan to travel to University open days?
Talk to the teachers of the courses you are on. Are there any costs associated with the course, such as textbooks or other equipment? Will there be any costs associated with the exams or modules? Are there any trips that are part of the course?
You may need access to a computer at home to support your studying. Also think about meals while you are here during the day.
Will the grant be paid in cash?
Levels 1 funding will be paid monthly by BACS transfer directly into your (the student's) bank account.
Level 2, 3, 4 and 5 grants will be paid at the discretion of the Sixth Form and may be paid in kind such as meals, course materials or travel passes, or into a student's bank account upon production of receipts of goods purchased.
Can I keep books, laptops and other equipment when my course has finished?
It depends on what the item is. Government guidelines state that books and other equipment must be returned to the school to enable them to be re-used
by other eligible students. At the present time Stroud High Sixth Form does not expect you to return books or equipment purchased with your bursary, however if you are unsure please discuss individual items with the finance office.
You will not be required to return consumables, such as pens, paper etc.
Can the grant be paid into someone else's (such as another family member) bank account?
No, BACS payments will only be made into the named account of the applicant.
What should I do if I don't agree with the Panel's decision?
Students are entitled to appeal against the decision made in relation to their application for a Bursary or the withholding of payments.
Students should write a letter of appeal to Mark McShane, Headteacher. This will be forwarded for consideration by the Appeal Panel of the school.
The Appeal Panel consists of Ria Patel: Head of 6th Form, Sandra Thomson: Business Manager, and a school governor. The outcome of this reconsideration will be notified in writing and is final.
Talk to Ria Patel, Head of 6th Form, the finance office or Sixth Form student support.
See the full suite of A Level subjects and more on offer
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Stroud High Sixth Form
Beards Lane
Cainscross Road
GL5 4HF
Absences: Please text 07880 386 172
General Enquiries: jmerrett@stroudhigh.gloucs.sch.uk
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