Coming up with with a succession plan – and ultimately a retirement plan – is one of the biggest decisions you'll make in your life, especially as an independent insurance agent.
Your book of business can sometimes represent almost 40 years of work – it's your identity. I mean, for me – my identity is wrapped up in this business. When I think about getting ready to retire… well, I just love this business. I don't want to leave.
We all care about these people that we service, and they're more than just a paycheck – they've been really important in our lives, and we've been important in theirs.
Taking the time to explore your options when it comes to succession planning and retiring is extremely important, and I'm not sure enough of us are thinking and planning for it.
For starters, there's a lot of guys in this business who are 55+ – with absolutely no succession plan. The average age of a US insurance agent is 59 – well within the range of average retirement age.
And when I think about our own agent base, we still have a lot of guys and gals that are 70+ and still very active.
There are multiple reports showing that too many agents don't have a succession plan in place. The statistics fluctuate a bit depending on the specific study, but according to LIMRA, 50% of financial professionals don't have a plan, and according to a Nationwide survey, that figure is 66%.
Regardless of whether you want to retire or not, sometimes life can force you to come up with a succession plan. For example, a major health condition can blindside you – and this does happen.
We recently bought a book of business, which makes us more experienced than someone who's bought zero.
Both Jeff and I plan on passing our business down to our children, so we can speak to that.
I speak to agents every day, and I have a good feeler for what many of us are planning to do, and I'll speak on that as well.
So, as you read, just know that none of this is foolproof, but I have learned some things over the years that might shed some light on the succession planning process.
Passing your book of business on to your kids is probably the most obvious option when we look at retirement options. However, it's not always ideal.
For starters, you have to make sure your kids want to be in the insurance business.
Are they willing to work hard for the payoff?
Not everyone is suited for this business, so just assuming that your kids will be your succession plan without really thinking it through can be a big mistake.
For some people, they have a son or a daughter, but they're not in the business. If that's the case, you can't expect them to leave their career and pick up where you left off. If I had to put a number on it, I'd say only 10% of agents have kids to pass their books down to.
Secondly, you're basically financing the purchase. You're the bank, and your kids make payments to you, because they're probably not in the position to write you a full check for the entire book.
That's a risky situation to be in, because you're counting on your kids to take care of your retirement. And that's scary.
And finally, you have to consider the actual transition. There's a lot of training involved, and that can be a huge endeavor to take on.
Just to give an example here, one of our agents is 80, and she's ready to retire or at least start the retirement transition. She has a daughter and a granddaughter, but both already have their own careers. The catch is that neither one seems to love what they do, so that started up a conversation about passing down the business.
The tricky part of this is that the family now has to consider whether the risk of leaving a secure career is worth it. It can be a huge challenge to leave a comfortable, well-paying job, and we're working through that. I don't know how that will pan out, but there's a lot of work to do if they decide to start working that book of business. There's training, licensing, and everything in between to get squared away.
For Jeff and I, we got pretty lucky. You've probably seen Jeff's son, Michael Sams, on our blog here – he's doing a tremendous job and he's just a natural when it comes to insurance sales and serving his clients. And my son Luke is also working here for us, and he helps out a lot on the New Horizons side with agent support, though he also has his own book of business.
It's a natural fit for us to include our kids in our succession plan for our businesses, and while we don't plan on retiring anytime soon, it's nice to know that we know where things are headed for the future.
There's something to be said about a clean break. There just is.
Before I really get into this, I can't help but think of a wonderful man named Pat Nolan who works right next to our building at Pat Nolan & Associates.
He helps business owners find a buyer for their business, and his deals sometimes take 10 years. What's shocking is that they'll get to the part where the owner just has to sign the paperwork, and they'll bawl their eyes out and back out of the deal because their business has been their life.
This isn't an easy or fast process. And selling your book of business can be extremely hard. According to that Nationwide survey, 55% of business owners don't plan to retire because they love their business too much, and 17% say that they just don't trust anyone else to run their business.
That being said, I do think there's a lot of merit to selling your book of business and actually retiring.
But there are a lot of challenges and questions when it comes to selling your book, so I'm going to break this section up a bit.
For starters, finding someone in the business to purchase your book can be a challenge.
Do your clients need to be able to meet with their agent in person, or can they be handled remotely?
Do you trust the interested party to take good care of your clients?
Do you think your clients will trust that person/company to take care of them?
Is the interested buyer giving you a fair valuation?
There's more to it than that, but here's what I'd say. I'd first start a discussion with your FMO.
You're going to get a higher valuation if you sell to your FMO.
Your FMO has resources and staff in place to take good care of your clients.
It can be easier for your clients to trust an FMO, because there's a proven track record there.
So, I'd start there. Beyond that, there's definitely an advantage to finding a local buyer, because your clients can be serviced in-person.
How Much Is Your Book of Business Worth?
The second challenge is figuring out the value of your book.
The value of your book of business will be a multiple of the gross commission, and that multiple can range depending on a variety of factors and situations. I'd say that in general, it's anywhere from 1.5x-2x your gross annual commissions, though I have seen some guys reference a multiple as low as 1x. In those cases, someone usually just buys the book and lets it fizzle out. Their plan isn't to service the customers – just to end up on the right side of their investment.
For the book of business we bought, we took the 1099s, and for every Medicare Supplement, we paid a multiple of that policy's commission.
Now, because we're the FMO and we already got a small override on his policies, we were able to pay on the higher end of that gross commission multiple, which is why it can be an advantage to partner with an FMO on this.
Another thing to consider when you're selling your book is Medicare Supplements in their 6th year. Lifetime comp is rare, because you can usually move your client in 6 years to make comp again (unless they have health issues, but we usually take that gamble). So, the buyer might take into account any 6th year supplements on your books. They know they won't make renewals on those, and that might factor into your valuation.
Something else to consider – and I know this'll hit home for a lot of you – is having your book digitized. If your client information is still on paper – in filing cabinets – you aren't going to get the highest valuation for your book.
I can't express enough how advantageous it is to have your book of business in a CRM. We use AgencyBloc, and the first thing we did when we bought our agent's book of business was to go through all the paperwork and add it into AgencyBloc.
That took a lot of staff time and effort, and having that done already would've increased the value of that book of business.
Finally, your location can play into your final valuation – depending on who you're selling to.
Customers are used to their agent's process. For example, if they're used to going to a local office, they're trained in a way to expect that.
So, if you bought that local book of business and you weren't local, it'd be a much more difficult buy. That might force you to hire and place a dedicated agent – maybe even get a brick and mortar building – in order to care for those customers.
At the end of the day, someone might pay less for that book of business because of the extra trouble they'd have to go through in order to service that book. That means that if your customers are being serviced long-distance, that can be a more appealing book of business for buyers.
So, pay attention to how your clients are trained and who you're selling to – you might get a higher evaluation if the buyer is local.
If you can capitalize on each one of these points, you'll be able to get a higher offer for your book, making it much easier to retire successfully.
I don't recommend this option, but in reality, this is what most agents will do.
It can feel like the easiest option, because it doesn't really require any effort from you. However, while it seems easy, it's really not. You will pay in the long run.
This is the agent that's kind of still in it… but they're really not.
Customers love you, but they get nervous, because they aren't really being serviced anymore. The customers keep their insurance, and it's still good insurance, but there's no customer support.
The agent doesn't really do anything – they don't follow up with their customers, they don't schedule annual reviews… they just let their business run off.
At this point, a lot of guys don't even have a business model to service their customers, so they'll try to service them as long as they can, and then it just fizzles out.
This is honestly the lazy way out. It's the easiest thing to do for the time being, but it's awful for the customers, and ultimately, it's awful for you.
Let's say you're in a little town, you have a business you've worked on for years, and let's just say you die and your spouse is still alive.
What do you think those customers do? They leave.
What do you think agents in that area are thinking? They're going to swoop in like vultures and take all your customers.
This is another reason why it's so important to make some type of a plan. Most men die before their wives do, and most agents are men. You want to be sure that what you've worked for will pass on to your family – and you want a good valuation for your business. You don't want to just lose it all.
Have you considered the different ways you can be paid for your book?
If you sell your book of business, it's important to know that some of these deals aren't going to be paid in one check.
If your book is big enough, it'll be paid off over time. Maybe it's paid as-earned, meaning that when renewal commission comes in, you get paid for that, and even with new business, you'll still earn a small percentage of it.
Maybe it's paid over many years, similar to a pension. There's a lot of different ways to go about this, and you're going to get your money's worth if you go that route.
Beyond just being the lazy way of doing things, not having a plan is going to cost you in the long run. Your clients, especially if they like you, don't really want to leave you. But if you die, your clients will absolutely leave – they have to find a new agent.
Either way, your customers are left in limbo, and that's why a succession plan is so important. By having a plan, you're protecting your future.
I hope this guide has shed some light on the possibilities when it comes to retiring as an independent agent. It's tough, yet rewarding to run your own show, but this is one of those things that can be tough when you're doing things on your own.
As always, if you need any support or guidance, please give us a call. This is something we're happy to help agents with when the time comes, and whether that's just brainstorming a plan or talking through the possibility of selling your book, we're here to support you.


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The list (which uses data supplied by the Office of the National Coordinator for Health Information Technology) reflects how MEDITECH has successfully built its market share one customer at a time--spanning decades of commitment and stewardship with the healthcare industry. As of July 2016, MEDITECH has 953 hospitals worldwide using its certified financial and clinical tools.
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The Foundation for the Continuation of Children's Mentoring Connection of Hancock County was incorporated in October 1994. With a primary mission of soliciting and holding major gifts and contributions, the Foundation will assist in the long-term financial security of the agency.
As a totally independent organization, the Foundation is governed by a Board of Trustees.
Your donation supports The Foundation for the Continuation of Children's Mentoring Connection of Hancock County.
The Educational Scholarship Fund
Children's Mentoring Connection Educational Scholarship Fund was created out of the dream of Dan Kuhlman, an active Big Brother in the Hancock County program. It was officially established by a resolution unanimously passed by the Board of Directors on December 18, 1990.
Any boy or girl who currently or formerly has been actively matched with a mentor through CMC for a minimum of one year may apply. Recipients may attend any accredited two, four or five-year college, university, business school, technical school, and/or any post-high school education, classes. Priority will be given to those attending full-time classes. For more information, see the Scholarship Guidelines, Scholarship Applications, and the Recommendation Form.
In 2019 a scholarship fund was added for graduating High School Seniors who volunteered their time to Children's Mentoring Connection as a High School Mentor. These individuals volunteer their time each week serving as a mentor at one of the school-based programs. For an application for this program contact the CMC office at 419-424-9752
All funds available for scholarships must come from gifts, private donations, bequests, and/or other contributions. None of the funds come from the agency's operating budget. The fund is financially administered by Foundation for the Continuation of the Children's Mentoring Connection of Hancock County, a 501(c) 3 charitable organization, and all contributions are fully tax-deductible to the extent allowed by law.
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Q: Ruby on Rails hosting - Engineyard vs Enterprise-Rails I've been running a Rails app on 1 big dedicated server. Now for scaling I want to switch to a cloud service hoster and serve the app on 3 instances - App, DB and Redis.
I have really bad experience with Heroku performance wise and hence cost efficiency. So for me 2 Alternatives remain: Engineyard and Enterprise-Rails.
What I find important is that Engineyard doesn't offer an autoscaling option to handle peaks. On the other hand Enterprise-Rails doesn't have too much of documentation, most of it is handled by a support crew which is setting up everything.
What are other differences and what should I use for my website? I don't need much of administration work and I am not experienced with it. Basically I just want my Site to run optimally safe, stable and cost efficient without much personal work involved.

A: I am running a massive Rails app off AWS at this time and I'm really happy with it. Previously I had a number of dedicated boxes that were always causing problems - sooner or later one of them would crash for some reason, Raid failures, database problems whatnot.
At AWS I use RDS for database, elastic cache for caching, I keep all my code on a fat instance that acts as staging server and get a variable number of reserved instances to load the code via NFS.
I also use autoscaling - we've prepaid for a number of reserved instances and autoscaling helps starting up nodes when CPU usage goes above 60%, then removing them when it goes below 25%. autoscaling rules are based on cloudwatch alerts that can be set to monitor a particular group of instances, memcache servers, and so on, you even get e-mails and SMS notifications via SNS when certain scaling activities take place, say when more than 100 instances are spammed in less than 1 hour (massive traffic spike). The instances also get added right up to the load balancers by the way and you don't need to mess with the session store as you can use the sticky session feature which is quite nice.
Recently I also started using a 2nd launch group with spot instances, this complicated things a bit in terms of cloudwatch rules but I'm able to save a lot every month as spot prices are much lower. When the spot price (minimum) I bid is not enough, the set-up I have switches back to reserved instances.
Even more recently I've also started using CloudFront which got my app's page assets to load real fast (about 2 megs of CSS, JS, some icon sprites). Previously I was serving directly from instances via the load balancers.
This took about 20 hours to deploy, test and tune for maximum performance and availability.
One of the problems I have with AWS is that there's no support unless you're prepared to foot a bill. They claim some support is offered without a subscription but the only option in the support area is Billing. Ha. Fortunately it's all stable enough not to put me in a position where I'd have to pay for it.
Overall Rails fits in quite nice with AWS. I spend less than 2 hours per month doing maintenance, where I was spending over 30 previously. Most important for me is that I know that I can GTFO on a vacation for X months knowing nothing will cause any trouble - haven't had a monitoring alert more than a year.
Later edit: the app is a sports site with white labeling feature, lots of users, lots of administrators working on content in the back-end, database intensive as we show market pricing data that should update every few seconds. I had an average load time of about 3 seconds per page with dedicated servers that were doing about the same thing - database, memcache, storage, load balancing, web app. Now my average is under 1 second. Monthly bill is about 8 times lower now.

A: While Engine Yard doesn't offer auto-scaling (it is in the pipeline), we do have a fairly easy to use scaling feature that allows you to spin up multiple instances at once in times of need.
The advantages over something like Enterprise-Rails is the full documentation, the choice to deploy from the CLI or the dashboard,and our amazing support team.  It's also easier to use Engine Yard and move from a personal machine or from another cloud setup than it is using a service such as AWS directly.

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Why I don't teach my children to sit still in church can be misconstrued in so many ways. There are many times that sitting still is necessary . I am by no means implying that you should not require your children to learn the fine art of sitting still. I am gently reminding you that sensory issues dictate that your child do what is necessary to make it through what is probably a loud and painful worship service. Sitting still is never a requirement or necessary for them to listen to and hear the sermon.
Let me clarify why I don't teach my children to sit still in church before I give you some pointers to make it work. Sensory issues aside, we all worship in different ways. What works for me is not what works for Michael. I sing, sway, and raise my hands during the music. I write notes in my Bible as well as highlight passages. I talk back to the pastor while he's preaching. Michael does none of those things. Does that make his worship less pleasing to God? Absolutely not! It is more important to me that my children find what they personally need to do to be ushered into the presence of God. Autism or not, it's different for everyone.
Logan doesn't sing, wears earplugs or noise cancelling headphones and reads a Bible commentary during the sermon. He sits criss cross on the pew and never looks at the pulpit. NEVER. From his outward appearance, he is not paying attention in the very least. He can however narrate the sermon almost verbatim afterwards as well as name every song that was performed. Madison bounces her leg and colors on herself or in a book the entire time. She claps and has been known to dance during the worship songs. Her approach to worship is completely different from Logan's but it works for her. Just like in autism though, different does not equal less.
I must warn you that depending on the church you attend, this approach to worship styles is unconventional. You will get stares and murmurs from those who believe you are being irreverent. I have had to politely tell people it's not their business. That said, you also don't want your child's shenanigans to be a distraction to others. Here's some tips I have found to work well for my family.
Don't sit near the older generation. While I don't want to be stereotypical, we have found those who are older normally have set expectations of how worship should work. Change is hard for everyone not just kids with autism.
Sit near an exit and/or at the end of the aisle. This gives you access to a quick getaway if necessary. Just knowing I had a way out lessened my anxiety at times.
If you are concerned what others are thinking then sit in the back where you are less likely to be seen. This doesn't work if you talk back to the pastor. Then you have to yell your answers. Trust me, I know.
Let go of needing approval from others. Your child needs to know his worship style is personal to him. You want Spirit filled servants of God? Teach them to walk with God, however that looks for them.
When my children are adults, I want them to know that I accepted them for who they were. I don't care how they meet with Jesus. I just care that they see Him as a friend. I want them to know intimately what the whispers of the Holy Spirit sound like. I want them to know worship is whatever they make it. There are no right or wrong answers.


INDIANAPOLIS — A puppy has a new, loving home following a Call 6 investigation into the city's animal overpopulation problem.
Bolt, a husky mix, was featured in an RTV6 story about Indianapolis Animal Care Services' increased reliance on foster homes.
Bolt came to the city shelter on June 26 among a huge litter of puppies with parvo, a highly-contagious virus.
He has been living with his foster mother, Sarah Magee, since then.
Following our story, a couple named Chuck and Mary from Indianapolis decided to adopt Bolt.
Mary said Bolt is doing well in his new home and is a nice addition to their family.
However, this is the first year the city is making a big effort to save dogs and cats with parvo by placing them in foster homes.


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GET THE LATEST LOBE LOG UPDATES
Challenges and Opportunities Await Iran's Rouhani
July 22, 2013 Djavad Salehi-Isfahani 1 Comment
by Djavad Salehi-Isfahani
via IPS News
The transition team of Iran's President-elect Hassan Rouhani was busy last week lowering expectations for a quick economic recovery, saying that things are far worse than they had thought.
At the same time, the outgoing economy minister was briefing Iran's Supreme Leader Ali Khamenei with a rosy picture.
Politics aside, it is hard to exaggerate the difficulty Rouhani faces in turning Iran's economy around, especially without some relief from the international sanctions.
The Mahmoud Ahmadinejad administration stopped publishing national income data in 2008 as part of the annual balance sheet of the Central Bank of Iran (CBI), placing in doubt the most important indicator – the rate of economic growth. [related_articles]
Its reporting on inflation and unemployment has been more regular but lacked credibility because the reports were often cryptic and framed in the most positive light.
Last week, the CBI announced a rate of inflation of 35.9 percent for the Iranian month that ended on Jun. 21, averaging the increase in the consumer price index over two 12-month periods.
In reality, the index had increased by 50 percent during the last 12 months.
Government reports have shown unemployment to be rather steady in the 11-12 percent range. This provided an image of a stable jobs situation while the government's own survey data indicated rising unemployment.
Iran's last two censuses of 2006 and 2011 show a substantial increase in the unemployment rate of prime-age (20-54) workers from 11.5 to 15.4 percent. For obvious reasons, these figures were not part of the economy minister's report to the Supreme Leader.
Perhaps the biggest surprise for Rouhani's team came from the government budget, which they will inherit in two weeks. Rouhani's senior advisor and head of his transition team, Akbar Torkan, said that he was not able to find reliable sources of revenue for 38 percent of government expenditures.
This presents the incoming government with its most immediate challenge – how to control inflation with public finances in such a dire state.
While he inherits an economy in deep crisis, there are a few things that Rouhani can be thankful for from his predecessor.
The first is Iran's subsidy reform. Three years ago, Iran was the least efficient user of energy because it had the lowest energy prices in the world. Roughly four million barrels of oil and gas equivalent per day (twice what it exported) were distributed to domestic consumers with huge subsidies, mostly benefiting the rich.
In January 2011, President Ahmadinejad embarked on a bold reform that sharply reduced energy subsidies and distributed the savings as equal cash transfers.
Despite the fact that prices have been frozen since 2011, the programme has curbed energy consumption and saved Iranians from queuing for gasoline despite international sanctions that prohibit such imports.
More importantly, the cash transfers, which cover 97 percent of the population, have been an important supplement to the country's leaky safety net, softening the blow from the sanctions to the poor.
Rouhani can do well to remove the programme's deficit and better target its transfers, but its bitter pill has been already swallowed.
Another painful adjustment came last September when the value of Iran's currency, the rial, collapsed following the tightening of sanctions against Iranian oil exports. Just two weeks ago, the rial was officially devalued by more than 100 percent, making it easy for Rouhani to start his tenure with a more realistic exchange rate.
Before devaluation, cheap foreign currencies hurt Iranian production, which caused Iran's dismal job growth.
Iranian producers are now in a better position to compete, but their limited access to the global economy, caused by sanctions, is a huge obstacle.
Rouhani's promise to reduce sanctions will therefore be essential for Iran's economic revival.
Relief for insolvent banks
Last year, the Ahmadinejad government quietly reversed itself on interest rates, letting banks charge rates above the earlier strict limits set by his own administration of 12-14 percent.
The low interest rates on deposits compared to inflation is the main reason why depositors have flocked to foreign currencies, gold and real estate to protect their savings.
As deposit rates increase, Iran's liquidity-starved banks will attract more money and can begin to lend to liquidity-starved businesses.
Rouhani has promised a government of "experience and hope", one that has "the keys to unlock closed doors". There is reason to expect improvements in Iran's economy during his first 100 days as president, but beyond that all bets are off.
Rouhani's moderate posture has already paid off in terms of lower expectations of inflation, which has stabilised the foreign exchange markets and is gradually returning private savings to the banks, thus alleviating the liquidity crisis that has immobilised Iran's businesses.
Unlocking hope
Rouhani's economic team, to be announced in the next week or two, is expected to include experienced economists, which will further boost confidence among Iran's economic actors.
But to restore hope, Rouhani needs to do more; he must create jobs.
Jobs can only come if Iran's producers can export or invest in the production of goods that substitute for imports. However, their ability to do so is seriously hampered, if not made impossible, by international sanctions that have closed the gates to the global economy for Iranian producers.
The keys to these locks are, unfortunately, not in Rouhani's hands.
They are with Western leaders and the Supreme Leader, who will decide if and when the nuclear agreement is resolved and sanctions can be removed.
Rouhani has a short window of less than two years to prove to the Iranian people that Iran's moderates, who are willing to engage with the outside world, can run a better ship than the radical isolationists. He has a historic opportunity to deliver a lesson that is not just important for Iran but for the entire Middle East.
Pushing for stricter sanctions against Iran, as some in the West are doing, risks harming this historic opportunity.
Photo Credit: Mohammad Berno
Economy, Iran, Sanctions, US Foreign Policy Ahmadinejad, Central Bank of Iran, iran economy, Iran presidential election 2013, Khamenei, Rial, Rouhani
Djavad Salehi-Isfahani
Djavad Salehi-Isfahani conducts research on the economics of the Middle East and is currently a professor of economics at Virginia Tech. He is a nonresident senior fellow at the Brookings Institution and research associate of the Iran Project, at Harvard Kennedy School's Belfer Center for Science and International Affairs.
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Faezeh
I think the situation is worse than pictured above. For example, I bring your attention to the news published on 22 July by Fars News. According to the news agency, after the CBI's early July move in eliminating the subsidized rate of 12,260 rials for foreign currency, the bank has refused to allocate foreign currency at this cheap rate to those importers who had made their order registration before this rule change. Some 26 ships carrying poultry feed (soy meal, barley, grain) sourced from Serbia, Romania, Ukraine, Brazil, and Argentina have been wandering for three to 65 days in the free waters, waiting for foreign currency allocation, wrote the news agency. Fars notes that this has inflicted heavy costs in terms of demurrage. Also, there are signs indicating that the current administration–intentionally or unintentionally– is sabotaging the economy by appreciating the rial, and thereby leaving the new government with huge budget deficit.
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What Aleph Said is a four-piece band playing instrumental music, based in Lausanne, Switzerland. They combine post-rock, progressive rock and stoner influences, What Aleph Said released their first eponymous EP in 2017 back when they played as a trio. A second EP came along in 2019, this time around with the current line-up, that is, including a second guitar. In 2021, they released AEONIA, their first LP.
'Aleph' - eternity - is a central notion to the band's imaginary. It compels us to reminisce about what happened in the world in a very distant past - such words of eternity yet to be chronically obliterated and dug out again. What Aleph Said aims to share bits of Aleph's whispers through contemplative atmospheres. Its inspiration follows introspective, cathartic emotion-discharging endeavors. It sometimes also leads to more tormented and dark vibes. Above all, What Aleph Said offers generous, honest, and raw alternative music.
What Aleph Said is influenced by bands like: If These Trees Could Talk, Pelican, Russian Circles, Cult of Luna and Toundra. The resulting songs are made by true enthusiasts who enjoy the composition process as much as putting up live shows.
©2023 What Aleph Said


May 15, 2017 in St. Petersburg was held a meeting of the IDF Board. Short report of the IDF Board meeting see HERE. The rules of the World Team Championship were approved, the preparations for the World Championship 2017 and World Cup stages in Portugal and Italy were discussed, the results of the Asian Championships and the European Youth Championship were approved. Issues of the current activity of the federation, contacts with international organizations were considered.


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Review: The Semester of Our Discontent by Cynthia Kuhn
By Dirk Robertson
The Semester of Our Discontent by Cynthia Kuhn is the 1st book in the Lila Maclean Academic Mystery series, nominated for an Agatha Award for Best First Novel.
Stonedale University, southwest of Denver, offers a liberal arts education to high-quality students. Cynics would suggest it is actually a school where people who have not managed to scrape into the Ivy League can lick their wounds and obtain qualifications that reflect their exceptional abilities.
Dr. Lila Maclean has been hired to teach American literature, planning an odd Gothic course along the way. She ruffles feathers in the academic hierarchy immediately, as it's perceived she is going to be concentrating on mysteries. The debate takes a real and unexpected turn when an unfortunate individual discovers a body in the library that has been stabbed with a dagger.
Suspicion quickly falls on Doctor Maclean. She comes under extreme scrutiny, both from her colleagues and from Detective Lexington Archer of the Stonedale Police Department. It doesn't help that she is considered young for a professor. The academic achievements she has gained are no surprise to her, as she worked very hard throughout her undergraduate study. But jealousy comes in many different shapes and forms, and achievements by people considered young can often stoke the fires of resentment and—as the book's title refers to—discontent.
Cynthia Kuhn lays bare the reality that under the cloak of respectability afforded by academia there lurks a beating heart of broken ambition, mistrust, retribution, and jealousy that even Shakespeare would have been proud to have penned in the centuries gone by. When it comes to the human race, these elements never go out of fashion.
Dr. Maclean soon finds herself taking on the mantle of more than just a professor. She now dons the role of detective, as the violence continues and more people are subjected to attacks of varying intensity. Sometimes, it might be safer not to pursue further studies if it means spending time on a campus where death lurks around every corner. But Liza Maclean is strong enough to hold her own regardless of what is flung her way.
The Semester of Our Discontent leads the reader on a journey worthy of any crime mystery and serves up an ending you are unlikely to see coming regardless of how long you have studied the mystery genre. The characters are well defined, and the story moves along at a good pace. It may take place in the world of certificates and tweed suits, but it is sharp.
Twisting sharply to the left and rolling sideways prevented my death. I didn't even know my body could do that, I mused. Then sharp pain dragged me back into the immediacy of the moment. I had landed hard on the ground beside the fire, my hands taking the brunt of it. My palms were cut and bleeding. As I tried to determine the level of damage, a stinging sensation radiated up my arms as well. People swarmed around trying to be helpful, which hindered my ability to stand, and I remained on the cold ground in a daze for several moments.
The Semester of Our Discontent is a good thriller that sets a fine pace while also enlightening the reader on the finer points of academic life—the ups and downs, the importance of tenure, and whether you prefer the term Professor, Doctor, or none of them.
To learn more or order a copy, visit:
Dirk Robertson is a Scots thriller writer, currently in Virginia where he is promoting literacy and art projects for young gang members. When not writing, tweeting, or blogging on the Mystery Writers of America website, he designs and knits clothes and handbags from recycled rubbish.
Read all Dirk Robertson's posts for Criminal Element.
Review: The Drifter by Nicholas Petrie
The Love Interest by Cale Dietrich: A Visual Guide
Eric Beversluis
"a library that has been stabbed with a knife"?
Dirk Robertson
I meant body, apologies if that was unclear.
Cynthia Kuhn
Thank you for reading and reviewing!
I enjoyed it. Best wishes for your writing!
Thank you very much for the post! But also, if you want to learn more about modern education, you need visit essayyoda.com to read a blog about modern education systems and what is the ebst writing solution for every student.
I certainly will.
write my memo for me
If you do not have a clue how to complete a legal or a business memo, do not hesitate and seek professional assistance from 123HelpMe.org.
Good reputations can be built slowly but wrecked quickly, given Chelsea's unique demands in previous years. This will all have figured heavily in Potter's thinking before taking on the job, but the lure of fighting for silverware at the sharp end of the Premier League allied to competing in the Champions League proved irresistible.
By Michelle Carpenter
In the summer of 1995, nine friends enter a manor in the English countryside, but only seven leave the next day. Two deaths, one axe, and seven potential suspects. In the end, the crime lacks evidence, the police stop looking and no one is ever charged for the murders. The story seemingly ends there –…
Book Review: She's Gone by David Bell
By Doreen Sheridan
Seventeen year-old Hunter Gifford wakes up after Homecoming Night to find himself in the hospital, with no memory of how he got there or why. He's suffering from a concussion, and the hospital's security footage shows him wandering up to the building's doors bloody and alone. But Hunter should have been with his girlfriend Chloe…
Book Review: Reef Road by Deborah Goodrich Royce
By John Valeri
Deborah Goodrich Royce is writing an impressive new chapter in her storied life. Before turning to fiction with 2019's critically acclaimed Finding Mrs. Ford (which was followed by Ruby Falls), she was a popular actress whose television and film credits include the beloved soap opera, All My Children, and cult horror classic, April Fool's Day.…
Book Review: A Book Club to Die For
Librarian and secret provider of contraband books Trudell Beckett – Tru to her friends – is having second thoughts about giving a speech to the Arete Society, Cypress, South Carolina's most exclusive book club. For a start, her boss Lida Farnsworth is a member, and has no idea of Tru's clandestine operation, running a lending…


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All posts tagged "Kapil Sibal"
DeiTY constitutes NEPM
To boost domestic manufacturing, Department of IT & Electronics (DeiTY) has constituted the National Planning & Monitoring Council (NEPM) to enforce local...
NIC launches version 2.0 of Open Government Data Platform India
National Informatics Centre (NIC) has launched 'Open Government Data Platform India v.2.0'. This version of OGD Platform provides better experience to both...
Department of Posts to starts its own Data Center
The state of the art Data Centre of Department of Posts has been inaugurated by the Minister of Communications & IT and...
India and South Korea sign MoU for mutual recognition of digital signature certificates
India and South Korea signed a Memorandum of Understanding (MoU) on Digital Signatures for facilitating the effective and efficient paperless Bilateral Trade...
Orientation Workshop for Encouraging Digital Literacy
Kapil Sibal, Hon'ble Minister for Communications & IT and Law and Justice inaugurating the Workshop by lighting the lamp. Also seen in...
e-Governance News
IT Can Help in Solving Pending Cases:Kapil Sibal
Kapil Sibal, Minister of Communications and Information Technology and Law and Justice said that extensive use of Information Technology can help in...
Government Decisions
Government Launches WiTrac Technology
Kapil Sibal, Union Minister of Communications & Information Technology and Law & Justice, handed over the WiTraC technology developed by CDAC. CDAC...
NIELIT opens a new campus in Bihar
On the request of Chief Minister of Bihar, one more extension center of NIELIT was agreed by Minister of Communications and IT,...
Government of India Aims to Allocate Funds to Enhance e-Governance Solutions
Government of India is planning to provide funds for enhancing ventures that develop solutions for e-governance. This fund would be part of...
Kapil Sibal Meets Chief Ministers to Seek Support for Promoting ESDM
Kapil Sibal, Minister for Communications and Information Technology held a meeting with Chief Ministers and Ministers of State Governments to enlist their...


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Home Chevron down icon Psychology Chevron down icon In A Different Key
In A Different Key
by John Donvan
Nearly seventy-five years ago, Donald Triplett of Forest, Mississippi became the first child diagnosed with autism. In a Different Key tells the extraordinary story of the world his diagnosis created - a riveting human drama that takes us across continents and through some of the great social movements of the twentieth century.
The history of autism is, above all, the story of families fighting for a place in the world for their children. It is the story of women like Ruth Sullivan, who rebelled against a medical establishment that blamed "refrigerator mothers" for causing autism, of fathers who pushed scientists to dig harder for treatments, of parents who forced schools to accept their children. But many others played starring roles too: doctors like Leo Kanner, who pioneered our understanding of autism, scientists who sparred over how to treat autism, and those with autism, like Temple Grandin and Ari Ne'eman, who explained their inner worlds and championed a philosophy of 'neurodiversity'.
This is also a story of fierce controversy: from the question of whether there is truly an autism 'epidemic', and whether vaccines played a part in it, to scandals involving 'facilitated communication', one of many treatments that have proved to be blind alleys. And there are dark turns too: we learn about experimenters feeding LSD to children with autism, or shocking them with electricity to change their behaviour; and the authors reveal, for the first time, that Hans Asperger, discoverer of the syndrome named after him, may have cooperated with the Nazis in sending disabled children to their deaths.
By turns intimate and panoramic, In a Different Key takes us on a journey from an era when families were shamed and children were condemned to institutions, to one in which parents and people with autism push not simply for inclusion, but for a new understanding of autism: as difference rather than disability.


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Boy with autism excels as musical prodigy
MALIBU, Calif. Cathleen Lewis was told her son might never walk or talk. Rex was born blind and mentally impaired 14 years ago. He developed autistic symptoms. But at age 2, he was given a piano.
Rex cannot read music. He can play exactly what he hears. He is one of the world's very few musical savants. Rex learned all of "Rhapsody in Blue" in five hours. He has music teachers and hours of practice, and his technique, his improvisation, are growing more sophisticated every day.
Rex performed at Classical Underground earlier this month, a progressive venue. He and his mother travel frequently for his performances. She speaks, delivering a message of inspiration.
"Rex is my greatest teacher. He's taught me to stop just chasing after 'things,'" said Cathleen.
Cathleen walked away from a career in finance and now teaches visually impaired children when she and Rex aren't on the road.
"He gets such joy when he plays for people. You should see his face. It's like plugging him into an electrical socket. He lights up like he's been given a shot of adrenaline," said Cathleen.
And while audiences are clearly moved by this boy whose world revolves around music, Cathleen has written a book describing her life with Rex and the music that transformed them.
"There's no giving up, I'm on a fascinating ride. It's not just not giving up. It's 'enjoy the ride,'" said Cathleen.
Rex doesn't carry on a conversation, but he has opinions. When asked whose music he likes best, he answers, "Mine."
He goes to public high school where he receives special education. And just recently, a breakthrough.
"Out of the blue, last year, he had his hand on a page of Braille, and all of a sudden, he was reading Braille. Six years later," said Cathleen.
With his heightened sensitivity, Rex couldn't touch Braille, until now. And he is broadening his musical abilities by learning how to sing.
Music opened Rex's curiosity about the world. There is no telling where it might take him.
Santos tells House Republicans he will recuse himself from committees


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Amiguinha Xuxa é uma canção da cantora e apresentadora de televisão Xuxa Meneghel, contida em seu primeiro álbum de estúdio pela gravadora Som Livre, Xou da Xuxa (1986). Foi composta por Messias Correa e Rogério Endé, com produção de Guto Graça Melo. Trata-se de uma faixa dos gêneros infantil e "batida" pop, tematicamente.

"Amiguinha Xuxa" tornou-se bastante popular entre os fãs de Xuxa, e foi interpretada em uma série de apresentações em seu programa na Rede Globo, o Xou da Xuxa, especialmente por ter sido tema da saída da apresentadora da "nave espacial" que fazia parte do cenário do matinal, a canção pendurou como tema 4 dos 6 anos em que o programa foi ao ar. A versão que tocava na abertura do "Xou" era diferente nos vocais e na mixagem dos arranjos originais do LP.

Canções de 1986
Canções gravadas por Xuxa

redpajama_set_name: RedPajamaWikipedia


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Saving Nemo: Transforming the marine aquarium industry
Though Finding Nemo introduced millions of viewers to the beauty of reef fish, Nemo and most of his friends may literally end up down the drain.
WWF-Philippines estimates that as many as 98% of wild-caught reef fish die within one year and is now working on practical solutions for a sustainable marine aquarium trade.
© WWF / Gregg Yan
Mesmerized by the explosion of colour inside this fish tank the boys have no idea that longnosed butterfly fish are hard to keep alive. At a pet complex in Manila thousands of fish change hands daily.
In the 1970s, new technologies such as canister filters and artificial sea salt finally allowed hobbyists to keep live reef fish caught from the ocean.
By 1992, the annual trade in wild-caught ornamental reef fish soared and today the trade is valued at over US$1 billion.
Forty nations supply some 2000 reef fish and 650 invertebrate species to a host of countries – primarily the United States, Japan and Western Europe.
The Philippines and Indonesia remain the world's top exporters of wild-caught reef fish, supplying about 85% of global demand. Lose regulations and the use of cyanide to catch reef fish has decimated many reefs.
In many places high-value ornamental fish like angelfish and clown triggerfish are conspicuously absent.
""Last night we shipped out thousands of fish in boxes" reveals an operator."
As many as 98 of every 100 wild-caught reef fish die within one year. WWF and its allies work to minimize alarming mortality rates for reef fish and invertebrates.
""Reef fish are not expendable décor. They have lives and important ecological roles to play in coral reefs," explains veteran aquarist Joseph Uy."
WWF, through its Better Choices programme, recognizes that the trade in reef fish and invertebrates is a significant economic driver.
However, it must be vigilantly managed to spare reefs additional damage and to minimize post-harvest mortality rates.
Full story: Saving Nemo: Transforming the Marine Aquarium Industry
"Almost all wild-caught marine fish are taken from coral reefs. A 2004 study by the University of the Philippines Marine Science Institute found that only 1% of the country's coral reefs were in excellent condition," reveals WWF-Philippines Vice-chair and CEO Jose Ma. Lorenzo Tan.
"The world's marine habitats continue to be assailed by climate change, pollution and unsustainable fishing. Obviously, poor fish and invertebrate harvest practices do little for conservation.
All seahorse species are specialist feeders and difficult to keep with mortality rates estimated to be 90%.
Certified Philippine tank-raised seahorses are good alternatives and under a new ruling, they might soon be available for local sales and export to international markets.


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The Tax Cuts and Jobs Act of 2017 Brings Changes to "Kiddie Tax"
Home > News > The Tax Cuts and Jobs Act of 2017 Brings Changes to "Kiddie Tax"
March 14, 2018 | News
Since 1986, the "Kiddie Tax" has been in place to close a loophole through which some taxpayers were getting investment income taxed at lower rates by transferring assets to their children. Under the rule between 1986 and 2017, unearned income (stock dividends, interest, and capital gains) gets separated out for any children in the family. If this unearned income exceeded a fairly low threshold, it was taxed not at the child's low tax rate, but rather, at whatever marginal rate the parents were paying on their own income. That is, the child's unearned income was "stacked" on top of the parents' income. This effectively eliminated a substantial incentive to move assets, and the income they produced, to children.
Even with the Kiddie Tax in place, there were some small opportunities to use the child's low bracket and standard deduction. For example, in 2017 the child's standard deduction (for a child declared as a dependent on a parent's return, and for a child with no earned income) was $1,050. And the Kiddie Tax threshold was an additional $1,050. So up to $2,100 of unearned income belonging to the child was tax-free, and any unearned income above that was taxed at the parents' rates. With recent low interest rates, that could have been the interest on over $100,000 of fixed-income investments, or the dividends on a similarly large stock portfolio. But every penny of such income above that $2,100 threshold would be taxed at the marginal rate based on the income of the parents.
The new tax law has dramatically changed the old Kiddie Tax.
The Kiddie Tax remains, and the child's standard deduction and the Kiddie Tax threshold both still remain at $1,050, so there is still no tax at all on a child's unearned income of up to $2,100. However, the tax rate that applies to any income above that threshold is no longer the rate based on the parental income. Instead, the tax is based on the tax rates used for Estates and Trusts. This compressed tax schedule means that now there are some small low tax brackets to take advantage of. For children with substantial income, this will be a disadvantage, as the Estates and Trust tax schedule reaches the maximum tax rate of 37% at only $12,500. But it does introduce the opportunity to take advantage of the new lower brackets.
It's going to be more important than ever to know how much unearned income your child's investments are generating, and to manage it carefully to take advantage of that lowest bracket, as well as to avoid being pushed into the highest bracket, including avoiding the potential of having the child's income taxed at a rate higher than that of the parents. If you have investments in your child's name—such investments are often in an UTMA account—we encourage you to contact your financial and tax advisors as soon as possible and plan for these new rules.
February 2, 2018 News
How the New Tax Bill Affects High-Income Taxpayers


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Q: Ag-Grid show a third column that I don't have I'm working with Angular, and I started using the Ag-Grid.
I need to display a grid with two columns, but when I opened it, it shows a third separator like if there were 3 columns.

Even if I display data in the rows, there are 3 columns, this is the code.
gridView (HTML)
<ag-grid-angular style="width: 100%; height: 100px;" class="ag-theme-balham" [rowData]="rowData"
[columnDefs]="columnDefs" [animateRows]="true" [enableSorting]="true" [enableFilter]="true"
(gridReady)="onGridReady($event)">
</ag-grid-angular>

gridView (Ts)
export class QSubReviewerGridComponent implements OnInit {
    gridApi;
    gridColumnApi;
    defaultColDef;
    columnDefs;
    rowData= [];

    constructor() {
        this.columnDefs = [
            { headerName: "Review Type", sortable: true, filter: true, field: 'reviewerType' },
            { headerName: "Reviewer", sortable: true, filter: true, field: 'reviewer' },
        ]
        this.defaultColDef = { filter: true };
    }
    ngOnInit() {
    }
    onGridReady(params) {
         this.gridApi = params.api;
         this.gridColumnApi = params.columnApi;
    }

}

I don't know if the Ag-grid shows 3 columns by default, I've used it before with more columns and it never showed an extra one.

A: I am thinking you have to call sizeColumnsToFit.
Try:
onGridReady(params) {
         this.gridApi = params.api;
         this.gridApi.sizeColumnsToFit();
         this.gridColumnApi = params.columnApi;
 }

================== Edit ============================
To make it responsive, I would do the following:
<ag-grid-angular
    style="width: 100%; height: 100px;"
    class="ag-theme-balham"
    [rowData]="rowData"
    [columnDefs]="columnDefs"
    [animateRows]="true"
    [enableSorting]="true"
    [enableFilter]="true"
    (gridReady)="onGridReady($event)"
    (gridSizeChanged)="onGridSizeChanged($event)"
>
</ag-grid-angular>
....
onGridSizeChanged(params: GridSizeChangedEvent) {
  params.api.sizeColumnsToFit();
}

Now when you increase or decrease the size of the div holding the grid, it will be responsive.


The one-sided form on dense paper. The size of certificate is ≈ 15,2 cm x 21 cm, with the watermark in form of CCCP (USSR) inscription. All inscriptions are made in Russian and Belarusian languages. The certificate contains information about dead person's name and surname, date of death, age, a cause of death, the place of death and a place of death registration. In the bottom of the certificate are specified: National language, Goznak (State Insignia) and the year of issue.
The one-sided form on dense paper. The size of certificate is ≈ 15,2 cm x 21 cm, with the watermark in form of CCCP (USSR) inscription. All inscriptions are made in Russian and Latvian languages. The certificate contains information about dead person's name and surname, date of death, age, a cause of death, the place of death and a place of death registration. In the bottom of the certificate are specified: National language, Goznak (State Insignia) and the year of issue.
The one-sided form on dense paper. The size of certificate is ≈ 15,2 cm x 21 cm, with the watermark in form of CCCP (USSR) inscription. All inscriptions are made in Russian and Estonian languages. The certificate contains information about dead person's name and surname, date of death, age, a cause of death, the place of death and a place of death registration. In the bottom of the certificate are specified: National language, Goznak (State Insignia) and the year of issue.
The one-sided form on dense paper. The size of certificate is ≈ 15,2 cm x 21 cm, with the watermark in form of CCCP (USSR) inscription. All inscriptions are made in Russian and Kazakh languages. The certificate contains information about dead person's name and surname, date of death, age, a cause of death, the place of death and a place of death registration. In the bottom of the certificate are specified: National language, Goznak (State Insignia) and the year of issue.


text:
View List By: Rank | A-Z | Industry sector | Incumbent | Newcomers | Publicly traded | Privately held | Small businesses | Defense Revenue | Civilian Revenue | P/E Ratio | Market Valuation | Revenue Growth | Return on investment
TOP 100 DEFENSE REVENUE
2005 Company Revenue
2 Northrop Grumman Corp. $3,420,974,504
1 Lockheed Martin Corp. $2,895,854,468
7 Raytheon Co. $2,037,369,734
3 Science Applications International Corp. $1,911,583,811
5 General Dynamics Corp. $1,886,994,665
6 EDS Corp. $1,361,420,986
10 Boeing Co. $1,268,350,726
11 BAE Systems North America Inc.** $1,220,442,932
8 Dell Inc. $1,176,974,730
13 Anteon International Corp. $964,769,705
9 Booz Allen Hamilton Inc. $950,423,707
15 L-3 Communications Inc. $826,462,176
16 ITT Industries Inc. $758,857,707
12 Titan Corp. $719,800,298
4 Computer Sciences Corp. $705,682,256
18 MCI Inc. $627,267,851
23 Harris Corp. $591,189,633
17 CACI International Inc. $464,601,743
28 Jacobs Engineering Group Inc. $453,130,060
14 IBM Corp. $450,538,225
29 Rockwell Collins Inc. $439,428,814
21 ManTech International Corp. $414,289,556
32 Honeywell International Inc. $397,273,660
19 GTSI Corp. $391,288,759
34 Arinc Inc. $359,842,782
20 Motorola Inc. $352,954,154
31 AT&T Corp. $308,821,678
37 Mitre Corp. $297,274,917
24 BearingPoint Inc. $282,017,018
22 Unisys Corp. $261,212,969
30 Oracle Corp. $259,600,703
27 SRA International Inc. $257,110,811
40 Parsons Corp. $252,950,533
43 Engineered Support Systems Inc. $233,749,541
44 URS Corp. $221,541,277
25 Accenture Inc. $216,344,878
41 Battelle Memorial Institute $201,162,216
52 Serco Services Inc.** $180,637,620
26 Sprint Corp. $167,665,560
54 Thales Group $161,457,754
60 EDO Corp. $153,868,852
59 MTC Technologies Inc. $151,572,675
64 Lucent Technologies Inc. $150,188,969
35 Hewlett-Packard Co. $145,517,614
39 MPC Computers LLC $141,392,514
36 RS Information Systems Inc. $138,561,420
67 Bechtel Group Inc. $137,506,960
55 Qwest Communications International Inc. $135,833,250
45 Information Systems Support Inc. $135,710,782
46 DLT Solutions Inc. $119,492,373
53 Stanley Associates Inc. $118,882,857
42 EMC Corp. $118,480,839
63 Alion Science and Technology Corp. $117,600,616
65 Tetra Tech Inc. $116,443,641
75 DRS Technologies Inc. $108,400,426
70 Telos Corp. $107,364,183
77 Cubic Corp. $106,949,331
78 Scientific Research Corp. $105,948,312
81 Milcom Systems Corp. $103,132,428
74 Tybrin Corp. $102,554,218
82 Chenega Corp. $101,472,744
69 Dynamics Research Corp. $96,379,071
87 Camber Corp. $90,720,629
72 Avaya Inc. $89,140,327
57 Verizon Communications Inc. $87,222,069
85 Artel Inc. $87,214,329
80 VSE Corp. $86,808,485
79 Siemens AG $84,960,630
93 Intergraph Corp. $82,770,571
95 Datapath Inc. $78,487,557
73 Computer Associates International Inc. $76,957,616
96 Viasat Inc. $74,525,969
38 Pearson Government Solutions Inc.** $74,097,979
50 Perot Systems Corp. $72,997,359
97 CAS Inc. $72,502,730
98 iGov $70,213,777
86 SAP AG $68,728,192
49 SI International Inc. $67,632,288
100 MZM Inc. $65,718,599
99 CherryRoad Technologies Inc. $60,168,849
56 CDW Government Inc. ** $54,462,701
76 Logistics Management Institute $51,863,441
92 NCI Information Systems Inc. $51,021,845
61 STG Inc. $48,732,713
58 World Wide Technology Inc. $46,868,217
91 Force 3 Inc. $42,872,207
94 Ciber Inc. $37,142,857
68 F C Business Systems Inc. $31,648,345
71 Westwood Computer Corp. $25,528,636
88 TKC Communications LLC $16,606,769
33 Apptis Inc. $15,895,450
89 Paradigm Solutions Corp. $8,022,721
48 Apogen Technologies Inc. $6,726,538
66 PEC Solutions Inc. $5,424,725
84 QSS Group Inc. $4,437,512
83 Research Triangle Institute $536,547
62 CGI AMS ** $-
47 Management Systems Designers Inc. $-
51 Affiliated Computer Services Inc. $-
90 J H M Research & Development Inc. $-


text:
require 'active_support'
require 'net/http'
require 'uri'
require 'cgi'
require 'set'

module NoCMS
  class Cache < Hash
    def read(key)
      self[key]
    end

    def write(key, value)
      self[key] = value.to_s
    end
  end

  class Base
    class << self
      attr_accessor :site
      attr_accessor :lang_default

      NoCMS::Base.lang_default = 'en'

      @@nocms_cache = NoCMS::Cache.new

      def environment
        return RAILS_ENV if rails?
        return (!!defined? settings && !settings.environment.nil?) ? settings.environment : 'development-nocms-test'
      end

      def rails?
        !!defined? Rails
      end

      def diagnostic
        buffer = "NoCMS Diagnostics\n"
        buffer += "  Rails: #{rails?}\n"
        buffer += "\tCache Store: #{ActionController::Base.cache_store}\n\tCache (Object): #{Rails.cache}\n" if rails?
        buffer += "  Cache: #{cache.class}\n"
        buffer += "  Environment: #{environment}\n"
        buffer += "  Site Key: #{site}\n"
        buffer += "  Default Language: #{lang_default}\n"
        buffer
      end

      def build_key(path, xpath)
        "NOCMS:#{path}:#{xpath}"
      end

      def cache()
        rails? ? Rails.cache : @@nocms_cache
      end

      def ensure_cache()
        tmp = cache.read("NOCMS:#{site}:updated_at")
        updated_at = Marshal.load(tmp) if !tmp.nil?
        load_cache if updated_at.nil? || updated_at < Time.now - 5*60
      end

      def path_has_content?(request, path = nil, options = {})
        path ||= options.delete(:path) || request.path || request.path_info

        ensure_cache()

        lang = options.delete(:lang) || request.env['HTTP_ACCEPT_LANGUAGE'].nil? ? nil : request.env['HTTP_ACCEPT_LANGUAGE'].scan(/^[a-z]{2}/).first || 'en'
        lang_default = NoCMS::Base.lang_default

        tmp = cache.read("NOCMS:#{site}:paths")
        paths = !tmp.nil? ? Set.new(ActiveSupport::JSON.decode(tmp)) : Set.new

        return paths.include? "/#{lang}#{path}" if lang==lang_default
        paths.include?("/#{lang}#{path}") || paths.include?("/#{lang_default}#{path}")
      end

      def site_index()
        ensure_cache()

        tmp = cache.read("NOCMS:#{NoCMS::Base.site}:paths")
        paths = !tmp.nil? ? Set.new(ActiveSupport::JSON.decode(tmp)) : Set.new

        path_hash = {}
        paths.each { |p|
          matches = p.match /\/([^\/]+)(\/.*)/
          lang = matches[1]
          path = matches[2]
          path_hash[path] ||= Set.new
          path_hash[path] << lang
        }

        return path_hash
      end

      def load_cache
        start_time = Time.now
        raise '[NOCMS] Must specify a site' if NoCMS::Base.site.nil?

        cache.write("NOCMS:#{site}:updated_at", Marshal.dump(Time.now))

        # save this for a bit
        tmp = cache.read("NOCMS:#{site}:keys")
        old_keys = !tmp.nil? ? Set.new(ActiveSupport::JSON.decode(tmp)) : Set.new

        # load the new stuff
        rq = "http://api.nocms.org/nocms/1.0/export?site=#{site}"
        json = Net::HTTP.get(URI.parse(rq))
        new_blocks = ActiveSupport::JSON.decode(json)

        keys = Set.new
        paths = Set.new

         # add new keys and update existing
        new_blocks.each do |block|
          p = block['block']
          key = build_key(p['path'], p['xpath'])
          keys << key
          paths << p['path']
          cache.write(key,  p['content'])
          old_keys.delete(key)
        end

        cache.write("NOCMS:#{site}:paths", ActiveSupport::JSON.encode(paths))
        cache.write("NOCMS:#{site}:keys", ActiveSupport::JSON.encode(keys))

        # purge keys that have been deleted
        old_keys.each {|key| cache.delete(key)}

        updated_count = new_blocks.length
        deleted_count = old_keys.length

        puts "Loaded #{updated_count} blocks and deleted #{deleted_count} in #{Time.now-start_time}"
      end

      def can_edit?()
        environment != :production
      end
    end
  end
end

def nocms_path_has_content?(path=nil, options={})
  NoCMS::Base.path_has_content?(request,path,options)
end

def nocms_block(id, options = {})

  tag  = options.delete(:tag)  || 'div'
  site = options.delete(:site) || NoCMS::Base.site    # ||= request.host_with_port
  path = options.delete(:path) || request.path || request.path_info
  lang = options.delete(:lang) || request.env['HTTP_ACCEPT_LANGUAGE'].nil? ? nil : request.env['HTTP_ACCEPT_LANGUAGE'].scan(/^[a-z]{2}/).first || 'en'
  lang_default = NoCMS::Base.lang_default

  raise 'Must specify an element id as the first parameter. :tag and :content are optional params' if id.nil?
  raise 'Path could not be determined, pass :path and ensure it is not nil' if path.nil?
  raise 'Site could not be determined.  Please set the NoCMS site variable per the documentation' if site.nil?

  NoCMS::Base.ensure_cache()

  content = NoCMS::Base.cache.read(NoCMS::Base.build_key("/#{lang}#{path}", id))
  content ||= NoCMS::Base.cache.read(NoCMS::Base.build_key("/#{lang_default}#{path}", id)) if lang != lang_default
  content ||= options.delete(:default) || 'Lorem ipsum'

  attr_class = ['nocms_edit']
  add_classes = options.delete(:class)
  attr_class += add_classes.split(' ') if !add_classes.nil?

  attributes = options.collect { |k,v| "#{k}='#{v}'" } if options.length > 0

  "<#{tag} id='#{id}' #{attributes} class='#{attr_class.join(" ").strip}'>#{content}</#{tag}>"
end

redpajama_set_name: RedPajamaGithub


The pregnancy and birth in US have increasing rapidly. Other couple gave birth to a multiple as they underwent the process of artificial insemination in order to get pregnant. The government have supported these families who have children and spends more each year for the childbirth. I am lucky that I was healthy when I was pregnant with my two children and gave birth to them vaginal. Learn more about pregnancy and birth by studying the infographics below.


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Video: Apple shows off new iPhone 5s and iPhone 5c key features
Home › Mobile
By Zach Epstein
Apple's big iPhone event is finally behind us and while there wasn't really a single significant surprise to be found, we ended up with two new handsets that look like great additions to the iPhone family. At the top of the food chain sits the iPhone 5s, which touts a faster A7 processor, a new M7 motion co-processor chip, an improved camera, new color options and an embedded fingerprint scanner as its main attractions. A few rungs beneath it we have the new iPhone 5c, which is basically an iPhone 5 wrapped in a new colorful plastic case. We have covered both phones extensively here but now that they're official, Apple has released the first few videos highlighting each handset's key features. The iPhone 5s and iPhone 5c both launch on September 20th but in the meantime, three videos showing off the new phones are embedded below.
Zach Epstein has worked in and around ICT for more than 15 years, first in marketing and business development with two private telcos, then as a writer and editor covering business news, consumer electronics and telecommunications. Zach's work has been quoted by countless top news publications in the US and around the world. He was also recently named one of the world's top-10 "power mobile influencers" by Forbes, as well as one of Inc. Magazine's top-30 Internet of Things experts.


We started this year off-putting silly Halloween jokes for all the Halloween lovers. We decided to throw some extra special jokes for 31st October. Some of these jokes are super funny and some are very bad. Here are some fun Halloween jokes by Glendalehalloween.com that will make you scream with laughter. From scary to funny and everything in between, here are some of the best jokes sure to entertain anyone's funny bone.
If you are looking for the scary animated Halloween jokes then you have landed on the right page. We have scary jokes, funny jokes for kids, and famous jokes of all time. No matter what scary Halloween jokes you are searching for, you will get everything here.
Like all other occasions, Halloween is also the time to giggle with your family, friends and loved ones. On this page, you will find some cool and spooky Halloween jokes. You can download your favorite jokes and send it with a greeting card, for Halloween. You can also share/send them to your family and friends via Email, SMS, Facebook, Whatsapp, IM or other social media channels. We're damn sure that they will love it.


Forget the days of a fast fading self tan because this is the self tan that keeps on going longer than the Energizer Bunny. Be sure to closely follow the application instructions in order for your gorgeous new bronze color to last and become a 2-3 week tan. We recommend applying pHenomenal Mousse with our Tanning Mitt for a flawless, streak-free application.
A long-lasting tanning mousse that gives a golden-bronze result for up to two to three weeks.
Long-lasting color with a perfect fade—every time. Using pHenO2 technology, this advanced luxury mousse gives an immediate and long-lasting, golden result with a completely odorless, light, airy, and instantly dry application. Easy to use with a beautiful bronze finish, it nourishes the skin with marine and organic botanical extracts that allow the tan to last up to four times longer than regular tans.
This product contains certified organic botanicals, has been dermatologically tested, and is gluten- and cruelty-free.
VITA LIBERATA TANNING AT BBC RADIO 1 STUDIOS!


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You are here: Home / Archives for El salvador
New migrant caravan departs El Salvador for U.S.
October 31, 2018 euronews Leave a Comment
By Nelson Renteria SAN FRANCISCO MENENDEZ, El Salvador (Reuters) - About 2,000 migrants set off on foot from El Salvador's capital on Wednesday, the latest of several groups of Central Americans heading to the United States, even as U.S. President Donald Trump increased pressure to halt their flow. Men and women from the two groups of Salvadorans that departed San Salvador pushed baby strollers or bore children on their shoulders. On Sunday, a separate group of about 300 people set off from the city. Some, such as 42-year-old Luis Geovanni Vindel, a salesman from the central city of Zacatecoluca, moved on quickly, hitching rides alone toward the Guatemalan border. "We're already one step away from Guatemala, and soon into Mexico," said Vindel, limping forward with a cane on a prosthetic leg in the municipality of San Francisco Menendez. A larger U.S.-bound caravan, which left northern Honduras in mid-October is moving north at about 30 miles (48 km) a day through southern Mexico. It … [Read more...] about New migrant caravan departs El Salvador for U.S.
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6.1 magnitude quake hits in Pacific off coast of El Salvador
October 27, 2018 detroitnews Leave a Comment
Associated Press Published 9:53 PM EDT Oct 28, 2018 Mexico City – A strong 6.1 magnitude earthquake hit in the Pacific off the coast of El Salvador on Sunday, shaking people in the western portions of the country near the border with Guatemala but causing no damage. The U.S. Geological Survey said the tremor occurred about 15 miles under the surface. Its epicenter was 60 miles southwest of the Salvadoran coastal town of Acajutla. Carlos Lopez Mendoza of the Salvadoran Red Cross said officials had checked throughout the affected area without finding any indications of problems. "There are no reports of damages or victims," he said. Pedro Escamilla, who lives in Santa Tecla, six miles west of the capital, said the quake was not violent. "It was a long, swaying, but gentle earthquake," he said. … [Read more...] about 6.1 magnitude quake hits in Pacific off coast of El Salvador
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In El Salvador, poverty and gangs drive migration
Maria Verza, Associated Press Updated 2:48 pm CDT, Wednesday, October 24, 2018 FILE - In this May 28, 2015 file photo, suspected members of the 18th Street gang stand handcuffed in pairs at a police station in Panchimalco, near San Salvador, El Salvador. The gangs trace their origins to street life in cities such as Los Angeles, where many Salvadorans sought refuge during their country's 1980-1992 civil war. less FILE - In this May 28, 2015 file photo, suspected members of the 18th Street gang stand handcuffed in pairs at a police station in Panchimalco, near San Salvador, El Salvador. The gangs trace their origins to ... more Photo: Manu Brabo, AP FILE - In this May 27, 2015 file photo, relatives of a Mara Salvatrucha gang member retrieve his body from a steep gully after he was shot dead in a confrontation with police, in Olocuilta, El Salvador. Two bodies were found at the bottom of the gully … [Read more...] about In El Salvador, poverty and gangs drive migration
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Another U.S.-bound caravan takes shape, this one from El Salvador
October 23, 2018 nbcnews Leave a Comment
Breaking News Emails Get breaking news alerts and special reports. The news and stories that matter, delivered weekday mornings. SUBSCRIBE Oct. 23, 2018 / 7:49 PM GMT By Julia Ainsley and Mariana Atencio WASHINGTON — As the Trump administration makes preparations to combat the 6,500-member Honduran migrant caravan making its way toward the United States, the Department of Homeland Security is also tracking a new caravan taking shape — this time from El Salvador, according to two U.S. officials, a local source on the ground in Central America and an internal U.S. government report obtained by NBC News. The El Salvadoran caravan is still forming, but its members have plans to begin their journey northward toward the U.S. next week, according to the sources. The internal report indicates that DHS is tracking the communications of caravan members, including a 230-member WhatsApp group that intends to leave on Oct. 31. The caravan's movement is likely to trigger fierce … [Read more...] about Another U.S.-bound caravan takes shape, this one from El Salvador
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How Much Aid Does U.S. Give to Central America? Trump Says He's Cutting Funding to El Salvador, Guatemala and Honduras Over Migrant Caravan
October 22, 2018 newsweek Leave a Comment
World Donald Trump Immigration President Donald Trump announced that the U.S. would begin "cutting off or substantially reducing" the "massive" foreign aid it delivered to Honduras, Guatemala and El Salvador, after the U.S. leader accused the three countries of failing to stop a caravan of Central American migrants making its way to the U.S. to claim asylum. "Guatemala, Honduras and El Salvador were not able to do the job of stopping people from leaving their country and coming illegally to the U.S.," Trump said in a Twitter statement Monday morning. "We will now begin cutting off, or substantially reducing, the massive foreign aid routinely given to them," he continued. A Honduran migrant in a caravan to the U.S. carries a baby in Ciudad Hidalgo, Mexico, on October 22. President Donald Trump said his administration would be cutting aid to Honduras, Guatemala and El Salvador over their failure to stop a caravan of asylum seekers from making its way to the … [Read more...] about How Much Aid Does U.S. Give to Central America? Trump Says He's Cutting Funding to El Salvador, Guatemala and Honduras Over Migrant Caravan
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Your comments and thoughts truly move me emotionally. You have said what others feel but don't know how to articulate that precisely. I'm inspired by your passion for change and courage for being the trailblazer for our community. The positive changes we will see in our children once we finally follow their lead, facilitate their ambitions, and value the way our children learn will be a beautiful thing. Building a strong sense of self, identity, and confidence that comes from this type of environment will be amazing and will outweigh any standardized test score that can be produced. Keep pushing on...you are doing great things!
Jen, thank you so much for your kind words. I am happy my comments and thoughts had an impact on you. You and your family have had an impact on me as well. I am thankful for the people in my life who continue to encourage me and are moved by this endeavor!
I wish you all the best Maggie! You have courage and conviction! You are living one of my favorite quotes "Do all things with great love". Your work does come from a great place filled with love!


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STULZ offers next generation data centre climate control with CyberWall
STULZ takes climate control in large, colocation and hyperscale data centres to the next level with CyberWall
STULZ, one of the world's leading providers of energy efficient temperature and humidity management technology for mission critical data centre applications, has announced the availability of its CyberWall cooling solution. Designed for operators of large, colocation and hyperscale data centres, it comprises a range of precision air conditioning units specifically developed for facilities with separate aisles. Its horizontal airflow technology enables reliable operation of high IT load densities, without the use of raised floors or side coolers.
Heat density within racks is increasing with each new generation of data centre equipment, which is also extremely sensitive and must operate within a strict temperature range. Data centre operators that fail to combat this increase in heat load, risk causing significant harm to their IT equipment, reducing its operational life, lowering performance and reliability, and increasing energy expenditure.
In order to protect equipment and offer unrivalled levels of cooling performance, CyberWall is configured around high performance fan walls comprising cutting edge electronically commutated (EC) fans with integrated air/water heat exchangers. This allows a cooling capacity of around 100kW per metre of wall length to be achieved and means that the efficient air conditioning of high power densities, as well as racks of 42U or more, is now possible.
With data centre white space now at a premium, STULZ has designed CyberWall so that indoor air handlers with cold water connection can be mounted in rows or stacked without gaps – making use of all available wall space and optimising system performance. Mounted at the aisle end, where they supply individual rack rows horizontally with cold air, the warm aisle is separated by a containment system with a ceiling duct, so that reliable separation of cold and warm air is guaranteed. The CyberWall system also fits precisely into the existing service corridor, which allows the maintenance of air conditioners to be completed without the need for personnel to enter the server area.
STULZ CyberWall modules achieve an impressive cooling capacity of 220kW, with 16°C water inlet, and an airflow rate of 55,000m³/h per air conditioning unit. As part of its pioneering Custom Indoor Air Handling Unit (AHU) series, STULZ provides a wide range of output sizes and special designs, offering customers a comprehensive portfolio of unit dimensions, components and capacities to meet specific requirements. The combination of CyberWall and the Custom Indoor AHU series means that operators have access to a high performance cooling solution, which takes into account ASHRAE specifications and achieves impressive partial Power Usage Effectiveness (pPUE) values.
'Climate management is one of the key challenges faced by operators of large, colocation and hyperscale data centres,' commented Tobias Wolf, Deputy Head of Product Management at STULZ. 'A failure to understand the consequences of heat generation and deal with it properly can be disastrous. With CyberWall, STULZ has used its extensive research and development capabilities to develop a genuine game changer in effective air conditioning, allowing operators to protect their technology investments and maximise uptime.'
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