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Treasury Department Federal Credit Union
Employees of the US Treasury Department, Department of Homeland Security, U.S. Courts, United States Securities and Exchange Commission (SEC), as well as persons who live, work (or regularly conduct business), worship, or attend school in, and businesses and other legal entities located in, Washington, D.C.
Alfred Scipio, President/CEO
Savings; checking; consumer loans; mortgages; credit cards; investments
tdfcu.org
Treasury Department Federal Credit Union (TDFCU) is a credit union headquartered in Washington, D.C., chartered and regulated under the authority of the National Credit Union Administration (NCUA) of the U.S. federal government.
4 Branch locations
The Treasury Department Federal Credit Union (TDFCU) founded in 1935, is a full service financial institution with a voluntary Board of Directors that is elected by the members; each member is an owner of the credit union with an equal vote.
Membership[edit]
Membership in the Treasury Department Federal Credit Union is available to employees of the US Treasury Department, Department of Homeland Security, U.S. Courts, United States Securities and Exchange Commission(SEC), as well as persons who live, work (or regularly conduct business), worship, or attend school in, and businesses and other legal entities located in, Washington, D.C.
In addition, once an eligible member joins, their family members are eligible. Family members include spouse/partner, parents, grandparents, siblings, children (includes adopted, foster, and stepchildren) and grandchildren.
TDFCU offers the typical suite of account services offered by most financial institutions, including savings accounts, checking accounts, IRA accounts, and certificates of deposit; the savings product is named "Share Savings" to reflect the fact that a member's initial savings deposit ($10) literally represents their share of ownership in the credit union. TDFCU also offers members consumer loans, credit cards, vehicle loans, education loans, mortgages and home equity lines of credit.
Branch locations[edit]
The main branch and headquarters of the TDFCU is located in the Treasury Annex (pictured) in Washington, D.C.
The Treasury Department Federal Credit Union has nine full service branches. Six of the branches are located in the District of Columbia, while the remaining three branches are located in Newington, VA; Prince George's County, MD; and Long Beach, CA.
Losses[edit]
TDFCU and several other credit unions were victimized when U.S. Mortgage Corporation sold mortgages that it managed on behalf of the credit union to Fannie Mae and kept the money.[1]
TDFCU lost more than $500,000 in the first nine months of 2008, and some other District of Columbia credit unions also experienced losses.[2][3]
^ Palmer, Anna (October 21, 2009). "Defrauded Credit Unions Want Their Money Back". Roll Call. Retrieved 2009-11-16.
^ Switzky, Bryant Ruiz (November 7, 2008). "Financial crisis hits Washington-area credit unions". Washington Business Journal. Retrieved 2009-11-16.
^ Switzky, Bryant Ruiz (January 30, 2009). "Inner Loop Credit unions ask Treasury Department for cash". Washington Business Journal. Retrieved 2009-11-16.
TDFCU Mortgage Web Center
National Credit Union Administration
Retrieved from "https://en.wikipedia.org/w/index.php?title=Treasury_Department_Federal_Credit_Union&oldid=855340265"
Credit unions based in Washington, D.C.
Banks established in 1935
1935 establishments in Washington, D.C.
The National Credit Union Administration is the independent federal agency created by the United States Congress to regulate and supervise federal credit unions. With the backing of the full faith and credit of the U. S. government, NCUA operates and manages the National Credit Union Share Insurance Fund, insuring the deposits of more than 111 million account holders in all federal credit unions and the overwhelming majority of state-chartered credit unions. As of September 2016, there were 5,573 federally insured credit unions, with assets totaling more than $1.38 trillion, net loans of $957.3 billion. The NCUA is governed by a three-member board appointed by the President of the United States and confirmed by the Senate; the President chooses who will serve as Chairman. Board members serve six-year terms, although members remain until their successors are confirmed and sworn in; the NCUA is administered through five regional offices, each responsible for specific states and territories. As part of the New Deal, President Franklin D. Roosevelt signed the Federal Credit Union Act into law in 1934.
The law allowed the chartering of federal credit unions in all states. The federal law sought to make credit available and promote thrift through a national system of nonprofit, cooperative credit. At first, the newly created Bureau of Federal Credit Unions was housed at the Farm Credit Administration. Regulatory responsibility shifted over the years as the bureau migrated from the Federal Deposit Insurance Corporation to the Federal Security Agency to the Department of Health and Welfare. In the 1940s and 1950s, credit unions grew reaching a membership of more than six million people at over 10,000 federal credit unions by 1960; the growth in credit unions resulted in an overhauling of the Bureau of Federal Credit Unions to form the modern independent federal agency that presently regulates the industry. In 1970, the renaming to National Credit Union Administration was made possible in part by the creation of the National Credit Union Share Insurance Fund to insure credit union deposits; the NCUSIF was created without any tax dollars, capitalized by credit unions.
By 1977, services available to credit union members expanded, including share certificates and mortgage lending. In 1979, a three-member Board replaced the NCUA administrator. Congress added the finishing touches to this new administration with the addition of the Central Liquidity Facility, the lender of last resort for all credit unions; the decade of the 1970s saw substantial growth for existing credit unions, with membership doubling and assets tripling to over $65 billion. The high interest rates and unemployment in the early 1980s brought insurance losses; the NCUSIF experienced strain, credit unions lobbied Congress to recapitalize the Fund. In 1985, the plan became law, federally insured credit unions recapitalized the NCUSIF by depositing 1 percent of their shares into the NCUSIF; the capitalized National Credit Union Share Insurance Fund has "fail safe" features. In 1991, when equity level dipped below 1.23 percent, the Board charged credit unions a premium to insure deposits. The enhancement of member services in the 1980s accompanied deregulation and increased flexibility in merger and field of membership criteria.
Membership in credit unions was limited to select groups with a pre-existing common bond employees of a particular company or trade. Changes since 1998 as a result of H. R. 1151, the Credit Union Membership Access Act, opened up membership eligibility to include much larger and loosely defined groups. During the 1990s and into the 21st century, credit unions grew in assets and members. Failures remained low, the Share Insurance Fund maintained a healthy equity level. During the 1990s and into the beginning of the 21st century, U. S. credit unions continued to develop as a whole. The NCUSIF continued to thrive due to few credit union failures. In 2008 and 2009, the global financial crisis exerted a strain on all institutions in the financial services sector – including credit unions; as a result, the Board charged NCUSIF premiums in 2009 and 2010. Five of the largest wholesale corporate credit unions in the United States were rendered insolvent after investing in troubled mortgage-backed securities that became overwhelmed with unprecedented declines in value.
In response to the growing corporate credit union crisis, NCUA took the following actions: Collaborated with the U. S. Treasury Department and Congress to establish the Temporary Corporate Credit Union Stabilization Fund to stabilize the U. S. credit unions, protect the NCUSIF and ensured credit unions, not taxpayers, paid the costs of the Stabilization Fund over time. Re-securitized the unsuccessful mortgage backed securities after liquidating the five failed corporate credit unions. With a government-backed guarantee, the securities were sold in the marketplace to raise nearly $30 billion. A temporary share guarantee was established for deposits at corporate credit unions. Bridge corporate credit unions were established to ensure services continued to be provided to consumer credit unions during the transition and resolution timeframe. Worked together with bridge corporate credit union members and to ensure a seamless transition of services to new entities. In addition to the corporate credit union crisis, NCUA dealt with the failure of a number of consumer-owned credit unions, which weakened as a result of spikes in home foreclosures, business failures, unemployment.
To protect against the failure of more credit unions, NCUA implemented a 12-month
The Federal National Mortgage Association known as Fannie Mae, is a United States government-sponsored enterprise and, since 1968, a publicly traded company. Founded in 1938 during the Great Depression as part of the New Deal, the corporation's purpose is to expand the secondary mortgage market by securitizing mortgage loans in the form of mortgage-backed securities, allowing lenders to reinvest their assets into more lending and in effect increasing the number of lenders in the mortgage market by reducing the reliance on locally based savings and loan associations, its brother organization is the Federal Home Loan Mortgage Corporation, better known as Freddie Mac. As of 2018, Fannie Mae is ranked #21 on the Fortune 500 rankings of the largest United States corporations by total revenue. Most housing loans in the early 1900s in the USA were short term mortgage loans with balloon payments; the Great Depression wrought havoc on the U. S. housing market as people were unable to make payments. By 1933, an estimated 20 to 25% of the nation's outstanding mortgage debt was in default.
This resulted in foreclosures. To address this, Fannie Mae was established by the U. S. Congress in 1938 by amendments to the National Housing Act as part of Franklin Delano Roosevelt's New Deal. Chartered as the National Mortgage Association of Washington, the organization's explicit purpose was to provide local banks with federal money to finance home loans in an attempt to raise levels of home ownership and the availability of affordable housing. Fannie Mae created a liquid secondary mortgage market and thereby made it possible for banks and other loan originators to issue more housing loans by buying Federal Housing Administration insured mortgages. For the first thirty years following its inception, Fannie Mae held a monopoly over the secondary mortgage market. Other considerations may have motivated the New Deal focus on the housing market: about a third of the nation's unemployed were in the building trade, the government had a vested interest in getting them back to work by giving them homes to build.
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United States Department of Homeland Security
The United States Department of Homeland Security is a cabinet department of the U. S. federal government with responsibilities in public security comparable to the interior or home ministries of other countries. Its stated missions involve anti-terrorism, border security and customs, cyber security, disaster prevention and management, it was created in response to the September 11 attacks and is the youngest U. S. cabinet department. In fiscal year 2017, it was allocated a net discretionary budget of $40.6 billion. With more than 240,000 employees, DHS is the third largest Cabinet department, after the Departments of Defense and Veterans Affairs. Homeland security policy is coordinated at the White House by the Homeland Security Council. Other agencies with significant homeland security responsibilities include the Departments of Health and Human Services and Energy. Secretary Kirstjen Nielsen resigned on April 7, 2019, effective April 10. By law, Undersecretary for Management Claire Grady was to become the acting Secretary of Homeland Security.
On April 7, President Donald J. Trump designated the current U. S. Customs and Border Protection Commissioner Kevin McAleenan as acting Secretary. McAleenan named David Pekoske, who also serves as the TSA Administrator, as the acting Deputy Secretary. Whereas the Department of Defense is charged with military actions abroad, the Department of Homeland Security works in the civilian sphere to protect the United States within, at, outside its borders, its stated goal is to prepare for and respond to domestic emergencies terrorism. On March 1, 2003, DHS absorbed the U. S. assumed its duties. In doing so, it divided the enforcement and services functions into two separate and new agencies: Immigration and Customs Enforcement and Citizenship and Immigration Services; the investigative divisions and intelligence gathering units of the INS and Customs Service were merged forming Homeland Security Investigations, the primary investigative arm of DHS. Additionally, the border enforcement functions of the INS, including the U.
S. Border Patrol, the U. S. Customs Service, the Animal and Plant Health Inspection Service were consolidated into a new agency under DHS: U. S. Customs and Border Protection; the Federal Protective Service falls under the National Programs Directorate. The Department of Homeland Security is headed by the Secretary of Homeland Security with the assistance of the Deputy Secretary; the department contains the components listed below. AgenciesUnited States Citizenship and Immigration Services: Processes and examines citizenship and asylum requests from aliens. U. S. Customs and Border Protection: Law enforcement agency that enforces U. S. laws along its international borders including its enforcement of U. S. immigration and agriculture laws while at and patrolling between all U. S. ports-of-entry. U. S. Immigration and Customs Enforcement: Law enforcement agency divided into two bureaus:Homeland Security Investigations investigates violations of more than 400 U. S. laws and gathers intelligence on national and international criminal activities that threaten the security of the homeland.
Transportation Security Administration: Responsible for aviation security, as well as land and water transportation security United States Coast Guard: Military service responsible for law enforcement, maritime security, national defense, maritime mobility, protection of natural resources. United States Secret Service: Law enforcement agency tasked with two distinct and critical national security missions:Investigative Mission – The investigative mission of the USSS is to safeguard the payment and financial systems of the United States from a wide range of financial and electronic-based crimes. Protective Mission – The protective mission of the USSS is to ensure the safety of the President of the United States, the Vice President of the United States, their immediate families, foreign heads of state. Federal Emergency Management Agency: agency that oversees the federal government's response to natural disasters like earthquakes, tornadoes, forest fires. Passports for U. S. citizens are issued by the U.
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A board of directors is a group of people who jointly supervise the activities of an organization, which can be either a for-profit business, nonprofit organization, or a government agency. Such a board's powers and responsibilities are determined by government regulations and the organization's own constitution and bylaws; these authorities may specify the number of members of the board, how they are to be chosen, how they are to meet. In an organization with voting members, the board is accountable to, might be subordinate to, the organization's full membership, which vote for the members of the board. In a stock corporation, non-executive directors are voted for by the shareholders, with the board having ultimate responsibility for the management of the corporation; the board of directors appoints the chief executive officer of the corporation and sets out the overall strategic direction. In corporations with dispersed ownership, the identification and nomination of directors are done by the board itself, leading to a high degree of self-perpetuation.
In a non-stock corporation with no general voting membership, the board is the supreme governing body of the institution, its members are sometimes chosen by the board itself. Other names include board of directors and advisors, board of governors, board of managers, board of regents, board of trustees, or board of visitors, it may be called "the executive board" and is simply referred to as "the board". Typical duties of boards of directors include: governing the organization by establishing broad policies and setting out strategic objectives. For companies with publicly trading stock, these responsibilities are much more rigorous and complex than for those of other types; the board chooses one of its members to be the chairman, who holds whatever title is specified in the by-laws or articles of association. However, in membership organizations, the members elect the president of the organization and the president becomes the board chair, unless the by-laws say otherwise; the directors of an organization are the persons.
Several specific terms categorize directors by the presence or absence of their other relationships to the organization. An inside director is a director, an employee, chief executive, major shareholder, or someone connected to the organization. Inside directors represent the interests of the entity's stakeholders, have special knowledge of its inner workings, its financial or market position, so on. Typical inside directors are: A chief executive officer who may be chairman of the board Other executives of the organization, such as its chief financial officer or executive vice president Large shareholders Representatives of other stakeholders such as labor unions, major lenders, or members of the community in which the organization is locatedAn inside director, employed as a manager or executive of the organization is sometimes referred to as an executive director. Executive directors have a specified area of responsibility in the organization, such as finance, human resources, or production.
An outside director is a member of the board, not otherwise employed by or engaged with the organization, does not represent any of its stakeholders. A typical example is a director, president of a firm in a different industry. Outside directors are not affiliated with it in any other way. Outside directors bring outside experience and perspectives to the board. For example, for a company that only serves a domestic market, the presence of CEOs from global multinational corporations as outside directors can help to provide insights on export and import opportunities and international trade options. One of the arguments for having outside directors is that they can keep a watchful eye on the inside directors and on the way the organization is run. Outside directors are unlikely to tolerate "insider dealing" between insider directors, as outside directors do not benefit from the company or organization. Outside directors are useful in handling disputes between inside directors, or between shareholders and the board.
They are thought to be advantageous because they can be objective and present little risk of conflict of interest. On the other hand, they might lack familiarity with the specific issues connected to the organization's governance and they might not know about the industry or sector in which the organization is operating. Director – a person appointed to serve on the board of an organization, such as an institution or business. Inside director – a director who, in addition to serving on the board, has a meaningful connection to the organization Outside director – a director who, other than serving on the board, has no meaningful connections to the organization Executive director – an insi
Long Beach is a city on the Pacific Coast of the United States, within the Los Angeles metropolitan area of Southern California. As of 2010, its population was 462,257, it is the 7th most populous in California. Long Beach is the second-largest city in the Los Angeles metropolitan area and the third largest in Southern California behind Los Angeles and San Diego. Long Beach is a charter city; the Port of Long Beach is the second busiest container port in the United States and is among the world's largest shipping ports. The city maintains a progressively declining oil industry with minor wells located both directly beneath the city as well as offshore. Manufacturing sectors include those in aircraft, automotive parts, electronic equipment, audiovisual equipment, precision metals and home furnishings. Long Beach lies in the southeastern corner of borders Orange County. Downtown Long Beach is 22 miles south of downtown Los Angeles, though the two cities share an official border for several miles.
Indigenous people have lived in coastal Southern California for over 10,000 years, several successive cultures have inhabited the present-day area of Long Beach. By the 16th-century arrival of Spanish explorers, the dominant group was the Tongva people, they had at least three major settlements within the present-day city. Tevaaxa'anga was an inland settlement near the Los Angeles River, while Ahwaanga and Povuu'nga were coastal villages. Along with other Tongva villages, they were forced to relocate in the mid-19th century due to missionization, political change, a drastic drop in population from exposure to European diseases. In 1784 the Spanish Empire's King Carlos III granted Rancho Los Nietos to Spanish soldier Manuel Nieto; the Rancho Los Cerritos and Rancho Los Alamitos were divided from this territory. The boundary between the two ranchos ran through the center of Signal Hill on a southwest to northeast diagonal. A portion of western Long Beach was part of the Rancho San Pedro, its boundaries were in dispute for years, due to flooding changing the Los Angeles River boundary, between the ranchos of Juan Jose Dominguez and Manuel Nieto.
In 1843 Jonathan Temple bought Rancho Los Cerritos, having arrived in California in 1827 from New England. He built what is now known as the "Los Cerritos Ranch House", a still-standing adobe, a National Historic Landmark. Temple created a thriving cattle ranch and prospered, becoming the wealthiest man in Los Angeles County. Both Temple and his ranch house played important local roles in the Mexican–American War. On an island in the San Pedro Bay, Mormon pioneers made an abortive attempt to establish a colony. In 1866 Temple sold Rancho Los Cerritos for $20,000 to the Northern California sheep-raising firm of Flint, Bixby & Co, which consisted of brothers Thomas and Benjamin Flint and their cousin Lewellyn Bixby. Two years previous Flint, Bixby & Co had purchased along with Northern California associate James Irvine, three ranchos which would become the city that bears Irvine's name. To manage Rancho Los Cerritos, the company selected Lewellyn's brother Jotham Bixby, the "Father of Long Beach".
Three years Bixby bought into the property and would form the Bixby Land Company. In the 1870s as many as 30,000 sheep were kept at the ranch and sheared twice yearly to provide wool for trade. In 1880, Bixby sold 4,000 acres of the Rancho Los Cerritos to William E. Willmore, who subdivided it in hopes of creating a farm community, Willmore City, he failed and was bought out by a Los Angeles syndicate that called itself the "Long Beach Land and Water Company." They changed the name of the community at that time. The City of Long Beach was incorporated in 1897. Another Bixby cousin, John W. Bixby, was influential in the city. After first working for his cousins at Los Cerritos, J. W. Bixby leased land at Rancho Los Alamitos, he put together a group: banker I. W. Hellman and Jotham Bixby, him, to purchase the rancho. In addition to bringing innovative farming methods to the Alamitos, J. W. Bixby began the development of the oceanfront property near the city's picturesque bluffs. Under the name Alamitos Land Company, J.
W. Bixby laid out the parks of his new city; this area would include Belmont Shore and Naples. J. W. Bixby died in 1888 of apparent appendicitis; the Rancho Los Alamitos property was split up, with Hellman getting the southern third and Lewellyn, the northern third, J. W. Bixby's widow and heirs keeping the central third; the Alamitos townsite was kept as a separate entity, but at first, it was run by Lewellyn and Jotham Bixby, although I. W, Hellman had a significant veto power, an influence made stronger as the J. W. Bixby heirs began to side with Hellman more; when Jotham Bixby died in 1916, the remaining 3,500 acres of Rancho Los Cerritos was subdivided into the neighborhoods of Bixby Knolls, California Heights, North Long Beach and part of the city of Signal Hill. The town grew as a seaside resort with light agricultural uses; the Pike was the most famous beachside amusement zone on the West Coast from 1902 until 1969. The oil industry, Navy shipyard and facilities and port became the mainstays of the city.
In the 1950s it was referred to as "Iowa
President (corporate title)
The President is a leader of an organization, community, trade union, university or other group. The relationship between the president and the Chief Executive Officer varies, depending on the structure of the specific organization. In a similar vein to the Chief Operating Officer, the title of corporate President as a separate position is loosely defined; the powers of the president vary across organizations and such powers come from specific authorization in the bylaws like Robert's Rules of Order. The term "president" was used to designate someone who presided over a meeting, was used in the same way that "foreman" or "overseer" is used now, it has now come to mean "chief officer" in terms of administrative or executive duties. In addition to the administrative or executive duties in organizations, the president has the duties of presiding over meetings; such duties at meetings include: calling the meeting to order determining if a quorum is present announcing the items on the order of business or agenda as they come up recognition of members to have the floor enforcing the rules of the group putting all questions to a vote adjourning the meetingWhile presiding, the president should remain impartial and not interrupt a speaker if the speaker has the floor and is following the rules of the group.
In committees or small boards, the president votes along with the other members. However, in assemblies or larger boards, the president should vote only when it can affect the result. At a meeting, the president only has one vote; the powers of the president vary across organizations. In some organizations the president has the authority to hire staff and make financial decisions, while in others the president only makes recommendations to a board of directors, still others the president has no executive powers and is a spokesman for the organization; the amount of power given to the president depends on the type of organization, its structure, the rules it has created for itself. If the president exceeds the given authority, engages in misconduct, or fails to perform the duties, the president may face disciplinary procedures; such procedures may include suspension, or removal from office. The rules of the particular organization would provide details on who can perform these disciplinary procedures and the extent that they can be done.
Whoever appointed or elected the president has the power to discipline this officer. Some organizations may have a position of President-Elect in addition to the position of President; the membership of the organization elects a President-Elect and when the term of the President-Elect is complete, that person automatically becomes President. Some organizations may have a position of Immediate Past President in addition to the position of President. In those organizations, when the term of the President is complete, that person automatically fills the position of Immediate Past President; the organization can have such a position. The duties of such a position would have to be provided in the bylaws. Bennett, Nathan. Riding Shotgun: The Role of the COO. Stanford, California: Stanford University Press. ISBN 0-8047-5166-8. National Association of Parliamentarians®, Education Committee. Spotlight on You the President. Independence, MO: National Association of Parliamentarians®. ISBN 1-884048-15-3
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Image: US Security and Exchange Commission Office photo D Ramey Logan
Prince George's County, Maryland [videos]
Prince George's County is a county in the U.S. state of Maryland, bordering the eastern portion of Washington, D.C. As of the 2010 U.S. Census, the population was 863,420, making it the second-most populous county in Maryland, behind only Montgomery County. Its …
A painted water tower at the Prince George's County Equestrian Center in Upper Marlboro, Maryland.
Image: Prince George's County Maryland Regions
Image: P.G. County, Maryland Infobox Montage 1
Fannie Mae [videos]
The Federal National Mortgage Association, commonly known as Fannie Mae, is a United States government-sponsored enterprise and, since 1968, a publicly traded company. Founded in 1938 during the Great Depression as part of the New Deal, the corporation's purpose is to expand the …
Fannie Mae's former headquarters at 3900 Wisconsin Avenue, NW in Washington, D.C.
A view, from the southwest, of the Federal National Mortgage Association's (Fannie Mae's) Reston, Virginia facility.
Franklin Raines earned $90 million in salary and bonuses while he was head of Fannie Mae.
Transaction account [videos]
A transaction account, also called a checking account, chequing account, current account, demand deposit account, or share draft account at credit unions, is a deposit account held at a bank or other financial institution. It is available to the account owner "on demand" and is available for …
1967 letter by the Midland Bank to a customer, informing on the introduction of electronic data processing and the introduction of account numbers for current accounts
An Automated Teller Machine (ATM)
Credit union [videos]
A credit union is a member-owned financial cooperative, controlled by its members and operated on the principle of people helping people, providing its members credit at competitive rates as well as other financial services.Worldwide, credit union systems vary significantly in terms of total assets …
A branch of the Coastal Federal Credit Union in Raleigh, North Carolina
President (corporate title) [videos]
The President is a leader of an organization, company, community, club, trade union, university or other group. The relationship between the president and the Chief Executive Officer varies, depending on the structure of the specific organization. In a similar vein to the Chief Operating Officer …
President presiding over the AGM of a small volunteer organization. President sitting at the left of table in the background
Chief executive officer [videos]
The chief executive officer, or just chief executive, is the most senior corporate, executive, or administrative officer in charge of managing an organization – especially an independent legal entity such as a company or nonprofit institution. CEOs lead a range of organizations …
A group of Fortune 500 CEOs in 2015.
Mortgage loan [videos]
A mortgage loan or, simply, mortgage is used either by purchasers of real property to raise funds to buy real estate, or alternatively by existing property owners to raise funds for any purpose, while putting a lien on the property being mortgaged. The loan is "secured" on the borrower's …
Mortgage rates historical trends 1986 to 2010
National Credit Union Administration [videos]
The National Credit Union Administration is the independent federal agency created by the United States Congress to regulate, charter, and supervise federal credit unions. With the backing of the full faith and credit of the U.S. government, NCUA operates and manages the National Credit …
This sign, displayed at all federally insured credit unions, informs members that their savings are insured by the NCUA
Federal government of the United States [videos]
The Federal Government of the United States is the national government of the United States, a federal republic in North America, composed of 50 states, a federal district, five major self-governing territories, and several island possessions. The federal government is …
The United States Capitol is the seat of government for Congress.
Financial institution [videos]
Financial institutions, otherwise known as banking institutions, are corporations that provide services as intermediaries of financial markets. Broadly speaking, there are three major types of financial institutions: — Depository institutions – deposit-taking institutions that accept and manage …
The oldest financial institution in the world, Banca Monte dei Paschi di Siena, founded in 1472.
Newington, Virginia [videos]
Newington is a census-designated place in Fairfax County, Virginia, United States. The population was 12,943 at the 2010 census. The 2010 census showed a significant decrease after half the population was split off to the newly created Newington Forest CDP. — While the ZIP code for Newington is …
Levelle W. Dupell Park in 2018
Anne, Queen of Great Britain [videos]
Anne was the Queen of England, Scotland and Ireland between 8 March 1702 and 1 May 1707. On 1 May 1707, under the Acts of Union, two of her realms, the kingdoms of England and Scotland, united as a single sovereign state known as Great Britain. She continued to …
Portrait by Michael Dahl, 1705
Anne (centre) and her sister Mary (left) with their parents, the Duke and Duchess of York, painted by Peter Lely and Benedetto Gennari II
Anne, circa 1684, painted by Willem Wissing and Jan van der Vaardt
Mary of Modena and James Francis Edward, Anne's stepmother and half-brother
Jaguar E-Type [videos]
The Jaguar E-Type, or the Jaguar XK-E for the North American market, is a British sports car that was manufactured by Jaguar Cars Ltd between 1961 and 1975. Its combination of beauty, high performance, and competitive pricing established the model as an icon of the motoring world. The E-Type's 150 …
The first production open two-seater a 1961 E-Type Series 1 3.8-Litre roadster
E-Type Series 1 coupé 1964
E-Type Series 1 roadster 1967
Jaguar E-Type Series 3 roadster
Strasbourg [videos]
Strasbourg is the capital and largest city of the Grand Est region of France and is the official seat of the European Parliament. Located at the border with Germany in the historic …
Strasbourg seen from Spot Satellite
Sigismund, Holy Roman Emperor visiting Strasbourg in 1414, detail of a painting by Léo Schnug
Panorama from the Barrage Vauban with the medieval bridge Ponts Couverts in the foreground (the fourth tower is hidden by trees at the left) and the cathedral in the distance on the right.
Strasbourg, Cathedral of Our Lady
Henri Matisse [videos]
Henri Émile Benoît Matisse was a French artist, known for both his use of colour and his fluid and original draughtsmanship. He was a draughtsman, printmaker, and sculptor, but is known primarily as a painter. — Matisse is commonly …
Henri Matisse, 1913
Henri and Amélie Matisse, 1898
Woman Reading (La Liseuse), 1895, oil on board, 61.5 x 48 cm, Le Cateau-Cambrésis, Musée Matisse
Woman with a Hat, 1905. San Francisco Museum of Modern Art
United States twenty-dollar bill [videos]
The United States twenty-dollar bill is a denomination of U.S. currency. The seventh U.S. President, Andrew Jackson, has been featured on the front side of the bill since 1928; the White House is featured on the reverse. — As of December 2013, the average circulation life of a $20 …
1863 $20 Legal Tender note
1880 $20 Legal Tender depicting Alexander Hamilton
Series 1905 $20 gold certificate
1914 $20 Federal Reserve Note.
Ray Lewis [videos]
Raymond Anthony Lewis Jr. is a former American football linebacker who played all of his 17-year professional career for the Baltimore Ravens of the National Football League. He previously played college football for the University of Miami, and earned All-America honors …
Lewis with the Baltimore Ravens in 2008
Lewis roaming the sidelines in a 2005 game at Ford Field in Detroit
Lewis during a 2007 game vs. the Cleveland Browns
Lewis during a charity event
Byzantine coinage [videos]
Byzantine currency, money used in the Eastern Roman Empire after the fall of the West, consisted of mainly two types of coins: the gold solidus and a variety of clearly valued bronze coins. By the end of the empire the currency was issued only in silver stavrata and minor copper coins with no gold …
Anastasius 40 nummi (M) and 5 nummi (E)
Justinian I half-follis, 20 nummi. Note the K on the reverse.
Romanus III miliaresion.
Histamenon by Constantine VIII.
Maserati 450S [videos]
The Maserati 450S is a racing car made by Maserati of Italy, and used in FIA's endurance World Sportscar Championship racing. A total of nine were made. — Their design started in 1954 led by Vittorio Bellentani and Guido Taddeucci. Their …
1957 Maserati 450S at Palm Springs 2010.
1957 450S Costin/Zagato coupe at Scarsdale (2006).
The engine in the Maserati 450S
Carroll Shelby standing next to a Maserati 450S that he raced in 1957.
Jennifer Lawrence [videos]
Jennifer Shrader Lawrence is an American actress. Her films have grossed over $5.7 billion worldwide, and she was the highest-paid actress in the world in 2015 and 2016. Lawrence appeared in Time's 100 most influential people in the world list in 2013 and in the Forbes …
Lawrence at the 2015 San Diego Comic-Con
Lawrence at the 83rd Academy Awards in 2011, where she received her first Best Actress nomination for Winter's Bone
Lawrence at the 2012 Toronto International Film Festival
Lawrence at the 74th Venice International Film Festival in 2017
United States one hundred-dollar bill [videos]
The United States one hundred-dollar bill is a denomination of United States currency. The first United States Note with this value was issued in 1862 and the Federal Reserve Note version was launched in 1914, alongside other denominations. Statesman, inventor, diplomat, and American …
1863 $100 Legal Tender note
1880 $100 Legal Tender (1869 version)
Series 1878 $100 silver certificate
1914 $100 Federal Reserve Note
Raphael [videos]
Raffaello Sanzio da Urbino, known as Raphael, was an Italian painter and architect of the High Renaissance. His work is admired for its clarity of form, ease of composition, and visual achievement of …
Giovanni Santi, Raphael's father; Christ supported by two angels, c.1490
Portrait of Guidobaldo da Montefeltro, Duke of Urbino from 1482 to 1508, c.1507. (Uffizi Gallery)
Madonna of the Pinks, c. 1506–7, National Gallery, London
The Parnassus, 1511, Stanza della Segnatura
Gold coin [videos]
A gold coin is a coin that is made mostly or entirely of gold. Most gold coins minted since 1800 are 90–92% gold, while most of today's gold bullion coins are pure gold, such as the Britannia, Canadian Maple Leaf, and American Buffalo. Alloyed gold coins, like the American Gold Eagle and …
Gold coins for sale in the Dubai Gold Souk
Persian Achaemenid Daric, circa 490 BC
Gold Solidus of Roman Emperor Valentinian II
A 20-crown gold coin from Norway. Introduced in 1875, it became part of the Scandinavian Monetary Union, which was based on a gold standard. Norwegian gold reserves included tonnes of this and other coins, backing Norway's paper money. The coin was designed for circulation: "124 Stk. 1 Kil. f. G." means that 124 pieces gave one kilogramme of pure gold.
History of France [videos]
The first written records for the history of France appeared in the Iron Age. What is now France made up the bulk of the region known to the Romans as Gaul. Roman writers noted the presence of three main ethno-linguistic groups in the area: the Gauls, the Aquitani, and the Belgae. The Gauls, the …
Cave painting in Lascaux
Massalia (modern Marseille) silver coin with Greek legend, a testimony to Greeks in pre-Roman Gaul, 5th–1st century BC
Vercingetorix throws down his arms at the feet of Julius Caesar after the Battle of Alesia. Painting by Lionel-Noël Royer, 1899.
Gaulish soldiers
Jacqueline Kennedy Onassis [videos]
Jacqueline Lee Kennedy Onassis was an American socialite and First Lady of the United States during the presidency of John F. Kennedy from January 1961 until his assassination in November 1963. — Bouvier was born in Southampton, New York, to Wall Street …
Six-year-old Bouvier in 1935
Senator John F. Kennedy and Jacqueline Bouvier Kennedy on their wedding day, September 12, 1953
Jacqueline Kennedy standing over her husband, John F. Kennedy, after his spinal surgery, December 1954
Jacqueline with her husband as he campaigns for the presidency in Appleton, Wisconsin, March 1960

redpajama_set_name: RedPajamaCommonCrawl


'Grade' is a term used to describe the level of the earth at a specific location or at ground level. In construction, the terms 'above grade' and 'below grade' can be used respectively to describe the portion of a building that is above or below the ground. In tunnelling, the invert of a tunnel may be described as being 25m below grade or ground level.
In the US, an 'at grade' intersection will have roads or rail tracks – or a combination of both –arranged on the same level. Where a road and rail track intersect at grade, a level crossing will normally be in place. A river may also be said to be at grade (or level) with the land (as opposed to being in a deep valley).
Meanings of level in the construction industry.


Bienvenue sur le site de DALCO Entrepreneur Général!
Dalco est une entreprise qui utilise des techniques de gestion et de construction de la nouvelle école. Basé à Tremblant, nous nous entourons des meilleurs sous-traitants locaux. Avec de l'expérience sur plusieurs projets, gros et petits, nous pouvons vous offrir un service exceptionnel du début à la fin. Nous avons construit une excellente réputation dans un petit village et tenons à la garder. Laissez-nous vous aidez avec votre prochain projet!
Welcome to DALCO Entrepreneur Général web site!
Dalco was created with the newschool way of managing and building techniques. A Tremblant based company, that hires the best local trades makes for a great team. With experience in various projects, we are able to offer you a great result from start to finish. We have built a great reputation in a small town and are sure to keep it that way. Let us help you realise your dream project !
For any additional questions about our services, or for a particular solicitation, follow the link "Contacts". We will be pleased to respond quickly and effectively.
N'hésitez pas à communiquer avec nous pour tout service ou renseignement complémentaire.
Pour voir d'autres images de nos réalisations, cliquez sur le lien ci-dessous.
We had the pleasure of working with Philippe Dalbec and Dalco Construction in the spring of 2016 on a renovation on our vacation condo in Mont Tremblant and we truly have nothing but positives to say about our experience….
We had the pleasure of working with Philippe Dalbec and Dalco Construction in the spring of 2016 on a renovation on our vacation condo in Mont Tremblant and we truly have nothing but positives to say about our experience.
Philippe was incredibly honest, responsible, dependable, and collaborative. We gave him a tight timeline of 6 weeks to completely renovate our condo (to start 4 weeks after the initial estimate) and he came in on time (maybe even a few days early) and under budget! He was honest about aspects of the job that costed less than expected, reducing our bill there, and was very clear and forthcoming about aspects that costed more than expected and the reasons why. He was very easy to connect with and quick to respond, both with words and actions.
Also importantly, the quality of the workmanship was outstanding. He made good suggestions about renovation decisions (materials, fixtures, and process) and clearly has expertise in all areas of the business. He works with the right trades people and suppliers (we worked with his recommended suppliers and they were great too).
Needless to say, after our experience with Philippe and Dalco we would not hesitate to recommend them to anyone and in fact have already passed their name on to several friends.
The purpose of this letter is to express our satisfaction for the attention and responsiveness Philippe and his crew committed in 2015 on major portions of our home construction in the municipality of Lac Tremblant Nord.
We recognize the challenging nature of the schedule and sequencing of activities with which the collective efforts of Philippe's team contributed to effectively meeting the project objectives and milestones.
The success of our new home involving Dalco has benefited from their attention and commitment, as well as their field crew's efforts working diligently on site.
After a 12 year search for a contractor who had a viable solution & was willing to tackle the task of removing & then replacing our crumbling foundation, Dalco Inc. came to our rescue. What complicated the project was that this had to be accomplished with boat access & off the grid.
All quotes were meticulously explained to us, concise, & accurate. We were actively consulted & given progress reports & projected plans on a daily routine. Permits, quotes & work were expedited efficiently & promptly.
Although we were unable to remain at the cottage until the end of the project, we were apprised with numerous photos of our project as the work progressed.
Considering the magnitude of this project & the complications that could have arisen, all aspects proceeded smoothly & we now have a solid foundation ready to withstand anything nature can test it with!
Dalco performed a challenging and time-sensitive renovation of a large 6 bedroom condo in Mont-Tremblant village for us in the Fall of 2016.
The assignment was to demolish and rebuild the kitchen and all the bathrooms, renew all the flooring, install new HVAC systems and repaint the entire unit. The project was complicated by the fact that we were monitoring the construction from 500 miles away in New Jersey, with only occasional visits to the job site. We could not be more pleased with the results.
Philippe kept us apprised every step of the way, sending pictures frequently and consulting us over every major decision and issue that arose over the course of the job. We came to rely increasingly on Philippe's judgment as he had seemingly internalized our tastes and preferences and could usually predict our decisions.
He was extremely careful with our funds, worked hard to stay within our budgets if at all possible and always gave us different options to address project requirements, so that we could choose the direction that best met our needs in the most cost-effective manner possible.
In short, we give Philippe Dalbec and his company our highest recommendation.
In the Spring of 2017, Philippe and Dalco looked after an extensive renovation of our house in Mont-Tremblant.
He was a pleasure to work with throughout and delivered the job on time and on budget. We live in Toronto and had limited opportunities to view the work in progress. But Philippe managed the project very professionally and, by staying in constant communication with us, minimized the potential stress associated with our distance from the project.
We have no hesitation in recommending Dalco.
© 2017 DALCO Entrepreneur Général inc.


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text:
Use interposing in a sentence
More example sentences with the word interposing in them
It is soothing to the heart to abuse England and France for interposing to save the Ottoman Empire from the destruction it has so richly deserved for a thousand years. [5]
For the first time she had felt the pleasure of interposing, like a higher power, in the destiny of others. [10]
Equally difficult to perceive is the military necessity for forcibly interposing to prevent a bank from loaning its own money to the State. [7]
Instead of rushing forward and interposing, he stands studying the light and its effects in the royal tomb. [10]
The wounds he carried were got by interposing his own sword 'twixt death and me. [11]
This page helps answer: how do I use the word interposing in a sentence? How do you use interposing in a sentence? Can you give me a sentence for the word interposing? It contains example sentences with the word interposing, a sentence example for interposing, and interposing in sample sentence.
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This is an EXCELLENT explanation of the CSEA license. Thank you for putting this together.
One question: have you confirmed manual sharing does in fact work and, if so, is it limited to CSEAs sharing with other CSEAs?
Yes manual sharing works ok – I'm not aware of any limitation in this area – please let me know if you come across any!


text:
Taking Research into the Community: Empowering Bradford's Muslim Women through Hadith
In this blog post, our PhD student Sofia Rehman writes about her recent experience of public engagement and impact work with the Muslim Women's Council in Bradford.
By Sofia Rehman
Shortly after starting my PhD programme, I was invited by the School of Philosophy, Religion, and History of Science, to submit an application for the Postgraduate Impact Fellowship scheme. The award provides successful applicants with a bursary of up to £200 to engage in work that takes their research directly into communities outside of academia, and which could potentially allow for new partnerships to form between non-academic groups and PRHS. I swiftly responded and before long received the great news that my application had been selected. Previously I had been in touch with the Muslim Women's Council, a Bradford based grass-roots women's organisation. I was involved in the Council's year-long research project probing the issue of head-coverings, from Muslim, Jewish and Christian perspectives. The project pulled together 5 women from each of the faith traditions to participate in group discussions as well as one-to-one interviews. The project culminated in the publication of the book, Shared Heritage of Daughters of Eve. Headcoverings – Reflections from Women of Faith (2016) The book launch took place in front of a full house at the National Media Museum in Bradford. Having been involved in such a successful project, and seen firsthand the enthusiasm of the MWC to bring new perspectives and empowering narratives of faith to the local community of Muslim women, I was encouraged, and gladly agreed, to setting up a critical reading group for the MWC base in Bradford. Following a discussion on practical aspects involved with a reading group with MWC Director, Bana Gora, and other Council members, we eventually settled on the idea of running a three-part seminar series on A'isha, which would draw directly from my research and therefore focus on her intellectual contribution to Islam, and also sessions on the lives of the daughter of the Prophet Muhammad, Fatima, and his grand-daughter, Sakeenah. A'isha is well known as the most beloved wife of the Prophet Muhammad, and is a central figure in Sunni Islam, honoured with the title Mother of the Believers, and accepted as a paragon of female Muslim piety, and a source for Islamic knowledge.
The three sessions were a huge success, with a great deal of positive feedback from those in attendance. There was an impressive turnout of about 50 women per session. The standout session was undoubtedly the one on A'isha, in which I introduced the audience to the work of Imam Badr al-Din al-Zarkashi, whose 12th Century text on A'isha I am busy translating for my PhD and framing as part of a feminist critique of Hadith science. The highlight of the sessions was without doubt the small group discussions where I presented Prophetic traditions that are each problematic for their ostensible misogyny. I asked each group to discuss whether or not they had come across these traditions previously, and if they had, how had they understood them and how had they incorporated them into their own belief system. It was both fascinating and inspiring to see how the women responded. After a tentative start in which some women expressed concerns about being overly critical of statements which were clearly problematic, the group soon found their confidence and voices, especially after I presented them with A'isha's own views on the same traditions in which she outright rejected that they could have be uttered by the Prophet Muhammad. Using A'isha's voice, I was able to empower the women to engage confidently and critically with the traditions, and to think about how they may have been mis-transmitted. The whole experience was not only fulfilling and engaging for all involved, it served as a bridge building opportunity between the academy and a grassroots organisation working in the heart of Bradford's Muslim community; this was in many ways an early fulfilment of what I have always wanted my work to be.
The three sessions led to a full day seminar on Islam and Feminism, run again by the MWC. I was subsequently invited to join their Board of Advisors, and the MWC is now also in touch with staff members in the CRPL. Thus, this has not only been a rewarding experience for me personally and for my research, but has also greatly contributed to the Centre and its impact and engagement activities.
Sofia Rehman is a second year PhD candidate with joint supervision in Theology and Religious Studies (Rachel Muers) and Arabic, Islamic and Middle Eastern Studies (Tajul Islam). She is also currently involved in an upcoming anthology with Unbound entitled, Cut from the Same Cloth.
Published by adriaanvanklinken
Associate Professor of Religion and African Studies, University of Leeds	View all posts by adriaanvanklinken
Comment, Engagement and Impact, Postgraduate student research
Aisha, empowerment, gender activism, Hadith, Islam, muslim women, Muslim Women's Council, Sofia Rehman
Postgraduate Study in Religion at the University of Leeds
New book by Prof Mellor: Uncovering Social Life
One thought on "Taking Research into the Community: Empowering Bradford's Muslim Women through Hadith"
Pingback: Researcher of the Month – May 2019, Sofia Rehman – Religion in Public


The Home Shop Machinist & Machinist's Workshop Magazine's BBS > General > Oscillating steam engine running "Slinky Machine"
View Full Version : Oscillating steam engine running "Slinky Machine"
Cool and eyecatching. Well done Brian.
Yes, very eye catching. Congrats on a well thought out plan of getting some action. Ought to be a real crowd pleaser.
Brian, please tell us which show, when and where, maybe we will come along to help, heckle, or generally be a pest. Seriously you can use these forums as advertisements for home workshop/ model engineering events and you might meet some interesting people. Regards David Powell.


text:
Geology of Baltimore and Its Vicinity Crystalline Rocks
Geology of Baltimore and Its Vicinity Crystalline Rocks George Huntington Williams
Author: George Huntington Williams
File name: Geology-of-Baltimore-and-Its-Vicinity-Crystalline-Rocks.pdf
Download Link: Geology of Baltimore and Its Vicinity Crystalline Rocks
Geology of Baltimore and Its Vicinity Crystalline Rocks downloadPDF, EPUB, MOBI, CHM, RTF. Isotopic composition of lead in the Paleozoie granitie rocks and pegmatites near Baltimore. Maryland, is less of crystallization or last metamorphism. A study Generalized geologic map of the Baltimore area, Maryland, compiled Hopson. [1964] from vicinity of the Eldora stock, which has a diam- eter of about 3000 Buy The Geology of the Crystalline Rocks of Southeastern New York (Classic Reprint) Books online at best prices in India Frederick J H Merrill from The Geologic Story of Great Falls and the Potomac River Gorge G. W. Fisher, and Emery T. Cleaves: Maryland Geological Survey, Baltimore, 1964, 373 p. Crystalline rocks of the Potomac River Gorge near Washington, and vicinity, Paul M. Johnston, with a section on Chemical quality of the water The Baltimore gneiss Hobbs concludes that the crystalline rocks of southwestern New England have Bayley and Van Hise describe and map the geology of the Menominee iron- occupy the surrounding area and partly fill the valley. The geology of Prince George's County, Maryland, and the District of Columbia Imprint: [Baltimore] The Johns Hopkins press, 1911. Physical description Geology of Baltimore and its vicinity. Crystalline its vicinity. Crystalline rocks [1892]. The geology of the crystalline rocks of southeastern New York. Note: Appendix A to the 1896 report of the director, botanist and entomologist. Physical Description: p. [21]-31;24 cm. Geology of Baltimore and its vicinity. Crystalline rocks. Rockhounding: it's a passion shared amateur geologists who own backyard, then expanding to the neighborhood and beyond. Not too long ago, a crystal of amethyst was reportedly recovered from the The Piedmont is home to one of Maryland's two oldest rocks, the 1.1-billion-year-old Baltimore
Read online Geology of Baltimore and Its Vicinity Crystalline Rocks


text:
Burlington city councilor slams city's recent reassessment
By Katharine Huntley
Published: Nov. 8, 2021 at 5:26 PM EST|Updated: Nov. 8, 2021 at 6:09 PM EST
BURLINGTON, Vt. (WCAX) - Progressives in Burlington are condemning the city's recent reassessment and calling for an overhaul of the property tax system, including higher taxes for business and a cap on what lower-income residents would pay.
"I think it just speaks to a way that we can better serve people and have less of this sort of shock come all at once," said Joe Magee, P-Burlington City Council.
Magee is talking about a resolution he wrote that calls for the city to come up with a better way of conducting reappraisals and using that as a jumping-off point for examining property tax reform in the city.
The resolution suggests looking at a differential tax rate for second homes, a surcharge on short-term rentals and even a municipal tax income sensitivity similar to the education tax.
In the first iteration of the resolution released last week, Magee was highly critical of the Weinberger administration for how it conducted the reassessment. But he has since taken some of those statements out.
"I don't think it would have passed the way that it was initially written, it was very partisan and unfair about some of the statements about the administration and that's been fixed in the interest of focusing on the substance and seeing if we can solve some problems together," said Mayor Miro Weinberger, D-Burlington.
Some of these criticisms included doing the reassessment during a pandemic, which likely contributed to lower assessments on commercial property, shifting more of the tax burden onto homeowners.
Weinberger says the city asked the state to postpone the reappraisal but was denied.
Magee wants a post-pandemic appraisal of commercial spaces, something the administration is looking into, as well.
"We need to take that into account and figure out a way we can balance that out and acknowledge that commercial property values will be going back up they've started rebounding already and I think that would be important for us to examine in this process," Magee said.
Magee's proposal also talks about shifting the burden less away from marginalized people including increasing the city's commercial property tax rate.
While Weinberger says he's OK with taking a deep-dive look into the processes behind reappraisals and property taxes in this resolution, he knows there are already issues with how Burlingtonians are taxed and he is worried about some of the solutions put forth in the resolution.
"I think the state property tax system is the most progressive-- that it taxes wealthier taxpayers already," Weinberger said.
If passed the resolution would create committees that would hold hearings and investigate how property tax and reappraisals work in the city. They are expected to deliberate Monday night.
Tax Burdened: Residents bear the brunt of Burlington's first property reassessment in 16 years
Sticker shock: 71% of Burlington homeowners see property tax increase
What will reassessment cost Burlington residents?
Burlington mobile homes reappraised incorrectly; city fixing the mistake


January 8, 2016 -- Steve Torrence, who put up career best performance numbers last year after veteran Alan Johnson came on board as a consultant to crew chief Richard Hogan, has stamped himself as a major contender for the NHRA Mello Yello championship with the announcement that Johnson and Hogan will continue to collaborate on the Capco Contractors Top Fuel dragster in 2016.
Torrence won the NHRA World Championship in the Top Alcohol Division in 2005 and has been a Top 10 finisher the last four years in Top Fuel. He is trying to become the first driver ever to win world titles in both the Alcohol and Fuel categories.
Last year, the native Texan won the Mopar Mile-High Nationals at Denver, Colo., in July but didn't hit his performance stride until the Countdown in which he qualified No. 1 at St. Louis before posting career best numbers for 1,000 foot time and speed at the season-ending Auto Club Finals at Pomona, Calif. (3.717 seconds, 329.99 miles per hour).
During the six races comprising the NHRA playoffs, he never failed to qualify in the Top 8 and was runner-up at the AAA Texas Fall Nationals at Dallas, one of two NHRA tour events contested in his home state.
A five time Top fuel winner, Torrence and his team are focused on reducing their first round losses. Each of the last two seasons, it was a May-June swoon that took the team out of prominent title contention. Both years, after a strong start, Torrence was a first round spectator in five consecutive events. They'll try to address those issues in pre-season testing at Phoenix.


Way back, seemingly a million years ago, this podcast was born. And on that very first show, Ninja and Panda spent the whole show talking about the original Kingdom Hearts game.
It's 12 years and more than 600 shows later, and Ninja and Panda are still talking about Kingdom Hearts. This time, they've just started playing the third edition of the game.
Although they still respect and appreciate the game, it becomes quickly apparent that the years have not been good for it. Such thing happen with time. Isn't that what the song "Puff the Magic Dragon" is all about?
Kingdom Hearts is not the only thing Ninja and Panda utter their fearless roar at this week. Ninja also brings up the loss of several of her favorite websites, absent because of the website's new owners. It seems that companies like AT&T and Verizon are looking only to the future, while stabbing the past in the heart.
So listen as the Sistahs discard a part of their own past in this week's show: ESH Cast #623: Shades of 2006 — We talk about Kingdom Hearts one more time.


Introducing extraVEGANza! It's the newest business to grace Schwartz Living Market!
Welcome extraVEGANza to Schwartz Living Market!! We are so excited! Go to this link to be part of the process: Just cut the link below, and paste it into your browser, and you'll help Mya big time, to launch her newest venture!
Mya Zeronis's business is morphing from Zest Wishes and The Lean Chef en Route to the 98 Pound Chef...Yes, you read that correctly! Mya was 145 pounds at one time!! Take a look at some recent blogging by a few of the bloggers at the brunch in April, 2015, and you'll see what I'm talking about. You'll see Mya spinning a giant piece of pizza dough! Those links can be found from the Schwartz Living Market Facebook Page.
What is new and what is next? Schwartz Living Market: An Urban Oasis for Healthful Living is an amazingly open, inspirational, changeable, fruitful, sensorimotor experience! When you find yourself asking what is next, what is this process, what is this project, know that you're talking to yourself, raising your awareness, and thinking about what is next for you too!!
Schwartz Living Market is selling delicious VivaPura superfood Buddha's Delight mixes, Vitality Super Mixes, and more! We also sell inspirational books by Brian Clement, Ph.D. of the Hippocrates Health Institute and his amazing wife, Anna Marie Clement, Ph.D. whose raw, vegan cookbook is outstanding!
Join us at the market on May 9. 2015 anytime between 11:00 AM and 5:00 PM for a shot of wheatgrass juice, and beginning at 1:00 PM for Mya's amazing 14 course delicious meal. Allow three hours to savor the food, one course at a time. Yup, the meal is served over a course of three hours. Ingredients for the first make your own juice of the day will be available when you arrive, and the fun continues course by course over the following three hours. Mya grew up in Burma, in a different culture than those of us that grew up in the United States. This Slow Foods meal will be one of those experiences you will not forget. Where else in the 'Burgh can you be served a 14 course meal over the course of three hours that is VEGAN, ORGANIC, GLUTEN-FREE, and GMO-free and if you register early or for a series of meals, the total cost is $15.00? It's unheard of! So register soon for an individual meal or for the series, otherwise the price creeps up to the also amazingly reasonable rate of $35.00/person. I am 100% convinced that a meal of this amazing quality would cost $75.00 if it were being served at a fancy establishment at the top of Mt. Washington or in Shadyside!!
Stay tuned for the exact date when Mya will be open in Schwartz Living Market five days a week from 9:00 AM to 8:30 PM serving grab and go Breakfast, Lunch and Dinner!
We are excited and blessed! Thanks so much to Violet, a graduate of Duquesne University in the field of Sustainability and Finance, and Sally graduates soon and who volunteered their time at the market and helped us get the WIFI up and running!
Blessings to all of you for a happy and healthy springtime!
Special Events in April, 2015: Amazing Vegan Brunch and Spring Into Spirit Holistic Wellness Extravaganza!
Join us for two special events in April, 2015!
Beginning May, 2015, Schwartz Living Market will be open five days a week! In April, 2015, the market is open on Saturday, April 11 and Saturday, April 18 for two very special events!
On Saturday, April 11, 2015, Mya Zeronis of Zest Wishes will host an amazing Vegan Brunch at 1:00 PM. Go to ZestWishes.com or the Zest Wishes Facebook page or here: http://april11brunch.brownpapertickets.com for details!


text:
Kaia Health raises further $8m for back pain app
Richard Staines
Digital therapeutics firm Kaia Health has raised $8 million to develop a smartphone-based approach to manage a range of chronic conditions, and a lead product focused on musculoskeletal disorders such as chronic back pain.
New York City-based Kaia Health is developing a 2D motion tracking technology enabling users to get real-time feedback on their exercise performance using a smartphone camera.
When taken together with the platform's psychological and education support, Kaia said the technology outperforms conventional therapy.
The $8 million raised from backers led by Optum Ventures is the second significant investment in the technology this year.
This latest funding round builds on the $10 million the company raised at the start of the year.
Optum Ventures' investment will be used to accelerate sales growth in the US healthcare market, extend the platform into other chronic indications and expand the supporting clinical evidence base.
Kaia said its approach has already been cited in three peer-reviewed clinical studies, including a randomised controlled trial recently published in NPJ Digital Medicine.
In that trial 101 patients with non-specific lower back pain randomly received either treatment from Kaia's app or physiotherapy.
Findings showed that after 12 weeks both therapies were effective, but that Kaia outperformed physiotherapy on the primary outcome of pain levels.
Those in the group treated with Kaia reported pain levels were significantly lower compared with the control group.
Study authors did note that they could not ascertain which of the treatment modules on the app accounted for the treatment effect, and there may have been issues with selection bias.
In Europe, Kaia is regulated as a Class 1 medical device, and the company is working with the FDA to seek regulatory approval in the US.
Konstantin Mehl, Founder and CEO of Kaia Health, said: "The investment from Optum Ventures will allow us to explore integration opportunities throughout the complete patient treatment journey."
Kaia Health
Otsuka backs GrayMatters' digital wearable tech for mental disorders
Pharma digital transformation: customer data expected to play a pivotal role
6 critical success factors of a successful rapid first commercial launch


Time for break. A change from the norm. A trip to Berlin and a visit to the Staatliches Institut für Musikforschung – that's the Berlin Musical Instrument Museum to the likes of us – and what a wonderful experience. A striking and wonderfully lit building populated with all manner of historical instruments, including a collection of early guitars.
What is eye-catching about some of these early guitars is how richly and beautifully decorated they are, covered in intricate carvings, inlay and sometimes flowing patterns*.
Such designs offer a striking contrast to today's more minimalist aesthetic where acoustic guitars tend to follow classic and simple lines. Indeed, it sometimes almost seems that the more expensive the guitar, the more minimal its decoration.
This observation is reflected in recent feedback from luthiers and retailers about our project to the effect that the high-end or professional sectors of the market are unlikely to be interested in heavily decorated guitars. There may of course be good reason for this. Perhaps a minimalist aesthetic speaks of seriousness or perhaps of a player who will let the quality of the wood, the build, and of course the sound speak for itself? Or perhaps its just the current fashion; one in which spiraling prices sometimes sometimes seem to mirror ever diminishing differences in design and construction.
Things might change though. Even the conservative acoustic guitar market has its fashions (read the guitar press right now and you'll feel decidedly naked if you are not sporting a mahogany parlour guitar). There are perhaps some promising signs of a change in the wind. First, there is something of a fashion for retro looks in new guitars, which sometimes even involves pre-distressing them at the factory (at least for some electrics). It may feel like a crazy idea to deliberately batter a new guitar as it's made, but it does hint at interest in a richer visual aesthetic as well as a desire for guitars with stories to tell.
In a different vein, Martin's recent Ed Sheeran signature model is notable for its low-tech looking etching.
Is this deliberate nod towards musicians who personalize their well-travelled hard-working guitars with stickers, slogans and signatures.
So where does this leave us? Will the younger – and presumably cheaper – end of the market will be more receptive to our interactive decoration, especially given the way that young musicians have taken to social media? Maybe the young folk will want to decorate and personalize their instruments and then use them to connect to their musicians profiles and audiences. Or will personalisation eventually spread to all sectors of the acoustic guitar market?
Or perhaps the acoustic guitar industry is just too conservative. But then again, isn't that a sign of a market that is ripe for disruption?
*Find out more from the official catalogue from the museum's recent guitar exhibition Fazination Gitarre.


Use Project management diagram (U.S. units), open this template on your Visio 2010 for Project Management templates. The Project management diagram (U.S. units) templates file size is 411 kb. Its free to download Project management diagram (U.S. units) templates.
Pictures of Project management diagram (U.S. units). This free template was published on 2013-02-16 03:34:14. You can use Visio 2010 Microsoft office software to open and edit Project management diagram (U.S. units). The Visio 2010 templates size is 411 kb.


Classic Industries offers a wide selection of Chassis Hardware for your Chevrolet Chevy II Nova. Classic Industries offers Chevrolet Chevy II Nova Chassis Bolt Sets, and Chevrolet Chevy II Nova Chassis Bushings.
1/4"-20 serrated lock nut. Sold individually.
OEM-style conical bump stop for lower control arms, designed to replace worn original GM bump stops.


Unity is a great engine that makes use of the powerful Mono Project, which is an open source implementation of the .NET Framwork. But since Unity doesn't use the latest version of it, some important things are missing, like a Restart method for the Stopwatch or the different Tuple classes. Therefore this package provides you with these missing pieces.
All in all this package contains over 100 fully documented classes with full source code.
The documentation also provides you with several articles for a quick start into game development.


text:
Sea Level is Rising Faster Than Ever Seen
June 20, 2011, 10:19 PM UTC / Source: LiveScience
Sea levels are rising faster than they have been in the last two millennia, new research shows. The swelling seas match up well with historical temperature data, suggesting the warmer it is, the more the sea level rises.
"Sea-level rise is a potentially disastrous outcome of climate change," study researcher Benjamin Horton, of the University of Pennsylvania, said in a statement. "Rising temperatures melt land-based ice and warm ocean waters."
Rising sea levels could threaten coastal cities, with 50 percent of the U.S. population living within 50 miles (80 kilometers) of the coast. The faster sea levels rise, the more difficult it will be for cities to adjust and the more dramatic the erosion of the coastline will get, according to researchers.
Reading sea levels
The team reconstructed sea-level variability off the East Coast of the U.S. over the last 2,000 years from the microfossils (from animals that typically lived in the oceans) found in soil cores from marshes in North Carolina.
The results revealed the height of the seas during particular years, which they then compared with data from tide-gauge measurements from the last 300 years.
They found that sea levels were stable from around 200 B.C. to A.D. 1000, followed by a rise of 0.02 inches (0.5 millimeters) per year for 400 years. After this increase, the sea level held steady through the late 19th century. Sea levels started rising again since then, averaging about 0.08 inches (2 millimeters) a year on average. This is the steepest rise the group has seen in its records, which go back more than 2,100 years.
They then compared this data with historical temperature records. First, they noticed that the sea-level increases that occurred in the 11th century coincided with a warm period known as the Medieval Climate Anomaly. Current sea-level rise seems to coincide with temperature changes, as well.
The data will help researchers understand the Earth's changing climate and oceans in the context of historical changes. It may also help researchers predict how much sea levels will rise with higher global temperatures.
"Scenarios of future rise are dependent on understanding the response of sea level to climate changes," study researcher Andrew Kemp, of Yale University, said in a statement. "Accurate estimates of past sea-level variability provide a context for such projections."
The study was published this week in the journal Proceedings of the National Academy of Sciences.
Top 10 Surprising Results of Global Warming
Earth in the Balance: 7 Crucial Tipping Points
Top 10 Craziest Environmental Ideas


Northern Ireland's recycling rate has risen 3.7% compared to last year's figures, according to new statistics.
Northern Ireland's councils collected 977,817 tonnes of local authority collected (LAC) municipal waste. This was a 0.8% decrease on the 985,994 tonnes collected in 2016/17.
Household waste accounted for 89.4% of total LAC municipal waste. Belfast generated the smallest amount of household waste per person at 425 kg whilst Antrim & Newtownabbey recorded the largest at 548 kg per person.
In 2017/18, 48.1% of household waste was sent for preparing for reuse, dry recycling and composting, 3.7 percentage points higher than the 2016/17 rate of 44.3%. At council level, rates varied from 42.2% in Causeway Coast & Glens to 54.3% in Mid Ulster.
The LAC municipal waste energy recovery rate was 18.4% in 2017/18, similar to the 18.5% recorded in 2016/17. Newry, Mourne & Down had the highest energy recovery rate in 2017/18 at 49.5% whilst the lowest was 5.5% in Fermanagh & Omagh.
The landfill rate for household waste only recorded a new low of 32.0% in 2017/18, a drop of 4.7 percentage points on the 2016/17 rate (36.7%) and a fall from 72.3% in 2006/07.
There were 171,295 tonnes of biodegradable LAC municipal waste (BLACMW) sent to landfill during 2017/18, 16.2% lower than the 204,380 tonnes sent in 2016/17. In 2017/18, BLACMW sent to landfill equated to 69% of the annual allowance allocated for that year under the Northern Ireland Landfill Allowance Scheme, lower than the proportion of the 2016/17 allowance used (78%) during the previous year.
This entry was posted in Public Behavior, Reduce, Reuse, Recycle, Waste Collection and tagged Local Authority Collected Waste Statistics, Northern Ireland by Darrel Moore. Bookmark the permalink.


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Vindaloo VoIP has made an announcement to provide click to call solution development and related services to its customers.
Vindaloo VoIP Solutions Pvt. Ltd (VSPL), more popularly known as Vindaloo VoIP, is a leading IT company. The company has been catering its worldwide customers with the best in the industry development, design and support services in web, mobile and VoIP. The company has gained a lot of fame in the VoIP development industry because of its best solutions and client centric services.
Recently, the spokesperson of Vindaloo VoIP has made an announcement that the company will offer custom click to call solution development services to its customers. The VoIP development for the click to call solution will be performed in one of the top VoIP development technologies such as Asterisk, FreeSWITCH, etc. The click to call solution development technology will be chosen based on the need of the customer and nature of the project.
As per the shared details, the click to call solution is perfect for any business. This solution lets the company add a button on their website or a landing page. The visitors can click on that button to generate a call. The call then can be transferred to an IVR (Interactive Voice Response) system to let the caller take an autonomous action or it can be connected with a sales rep or an agent to take care of the communication. There are many companies that use the click to call solution on their website or landing page to increase the communication effectiveness. The effective communication further contributes in increased lead generation, conversion and retention.
The click to call solution development service of the company also includes setup and configuration services for the customer. It means once the development of the click to call solution is finished, the team of the Vindaloo VoIP will place the click to call button on the website or a landing page or on both. This click to call button will have the same brand identity as the website to deliver the best user experience.
The company also supports video call along with the voice calls. It means the click to call solution development can add channels for audio and video calls.