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Q: How can I counter experienced run and gun opponents in MW3? If I'm not one of those players sprinting everywhere, how can I be effective if my play is a bit slower paced?  Is there any chance of competing against high-speed play (particularly with respect to movement) without doing the same?

A: To combat the run and gun "lifestyle" of the mercenary / ninja sprinter types requires a little tactical game play methodology, planning and strategic maneuvering around maps.
This answer may seem long... but we're talking about competitive game strategy!
Overall, I wouldn't recommend camping AKA staying in one spot and trying to return to it all the time after each spawn.
People will learn your pattern right away and just run up and gun you in that corner you're always in.
You need to be able to use ANY place on the map intelligently, evaluating the players in the match and the space you're in.
If you can learn THEIR patterns, you CAN defeat them.
rotate between movement and rest.
Stalk prey.
Set traps.
Learn players patterns, and cut them off.
Move around the map.
Run to and from places.
learn to crouch, walk and scope dive, effectively, to move around the map.
Let people move into your line of fire, vs moving into theirs.
Keep your gun UP. Head shots vs getting shot in the toe - do the math.
KNOW THE MAPS.
Knowing the maps inside and out is key.
Go into a private match and just spend time really knowing the map.
Know the explosive barrels, cars that blow up, and all the places where you can use cover to effectively clear other people out before moving to your next point of attack/defense.
MOVE
Instead of dashing around and looking for kills, you let them come to you and you position yourself to be somewhere different after you clear a few kills out of a fire fight.
THEN you DASH off and instead of camping you're reloading, switching weapons and laying down claymores or the ever effective IMS... keep moving and have a plan. Evaluate your surroundings.
know the traffic flows.
Knowing where people are forced to traverse in the maps is key.
Leaving an IMS in a tight spot insures at least 4 kills.
It also protects your equipment from being destroyed at long range.
Maneuver from one piece of cover where you are able to control the angles and cross fire and most important, be able to DASH out if someone is on to you.
HAVE A PLAN.
Don't run wild, run to a spot with cover.
Did someone spot you? Go around the corner and flash bang them, or just scope up and wait for them to walk through. Did they toss out a flash or grenade? move further back or around cover keeping the angle set in your line of fire for them to walk into it, and not you move into their sites.
Know thy enemy
run and gun types do indeed look for traffic jams and hope to rack up kills. They circle spawn points and almost always get "first blood" as they know immediately to their left/right/front/back is a person who is starting out. They typically fly out the gate at spawn and run right back to the fire fight. Exploit this. Wait for them. Kill them in their haste.
Dont Run!
A lot of people start out every spawn in a sprint. Almost always running through someone's line of sight. And they end up getting shot in the back, stalked and killed, or just blasted as soon as they spawn. Be patient and give yourself a second to let someone else give their position away. Don't dash out with them in a race to kill or be killed.
RUN and SCOPE!
After you kill someone, or have a little battle, RUN don't walk to a spot with cover and quick scope up to look around. Is there a blind corner coming up? Scope up?
Walking up a hill? Scope up?
Bunch of red dots fire fighting where you're headed? toss grenade and SCOPE UP!
Keeping your gun up in transit and being ready to shoot and pull into scope helps!
You're focused and aiming, while others are often just running and shooting from the hip.
Weapon classes!
Playing a small map?
Carry a SMG with extended clip and rapid fire. Carry a secondary machine pistol like the scorpion.
Playing a larger map but getting stormed? SWITCH classes to something light and mobile so you can move OUT of their way and around cover and clear them out.
Be the enemy
If you find yourself getting run over by a player with a certain weapon, and you keep your setup the same : CHANGE IT. Play their weapon and learn why they are effective at what the do. STUDY THEM. You'll find that fast players often are light weaponed and under protected. Learn to side step and knife them.
GRENADES and flash bangs!
Got a pack of players attacking you? grenade those bastards. Out of grenades? flash bang them and step around or behind and mow them down.
KNIFE!
People running up on you?
MELEE that ass.
Nothing says "Back up homie" like a lunging knife.
knife takes priority over a recently drawn weapon.
Speed PERKS!
Nothing like keeping up w the joneses... add slight of hand, ninja, marathon and combine this with lighter automatic weapons.
I personally have found the SMC assault rifle paired with a UMP45 or scorpion after getting overkill and using slight of hand pro or blind eye pro, ninja pro and stalker pro is effective.
Adjust your perks and weapon proficiencies to also be fast. It doesn't mean you need to run and gun, but it doesn't mean you should lose time reloading, switching weapons or that you should BE slow in actual movement.
Kill streaks!
Not getting a lot of consecutive kills and want to lay down that bombin run?
Switch to SUPPORT and your kill streak climbs EVEN IF YOU DIE.
I use the UAV, Booby trapped care package, and stealth bomber.
if it's not working... switch it up.
Learn patterns!
Most players have only 1 or 2 patters of travel.
Smart players adapt to who is trying to hide where on a map. They change routes and aren't predictable.
Choose your battle!
Sometimes it isn't worth digging someone out. many players lie in wait for you to come back to a spot after they've killed you. They'll go from being a sniper in a window to laying prone facing the doorway waiting for you to come in. They know you want to come back and get revenge.
Maybe cooking a grenade and tossing it into a window is better than running up stairs and confronting them head on.
Multiple game types
If you are only playing a few or one game type, try playing other game types with different objectives.
Lately I've been playing sabotage but I've been playing it to work on strategically eliminating players to get kills, meet daily challenges and to level up.
Think about something else
Go look in the barracks under challenges.
If you're getting frustrated trying to get kills, think about a different type of goal.
Work towards something easy and build your skill.
IF you're getting really worked up, cut off that game and go outside, hang with the loved ones or build that model in a bottle.
You'll come back refreshed and ready for the challenges ahead.

A: Camp.
You can rack up frags even if you are slow. Run & gun type players rely on the element of surprise. If you expect them coming round corners, and they don't know you are there, you can beat them at ther own game.
This is mostly known as camping a certain spot, and the next time they come for you, they will throw in a nade first, so be prepared for that, too.
Use heavy guns.
Use a shotgun or a rocket launcher when you are at places you can be attacked at. If you can't aim well, you can at least press the trigger and hope for a kill.
Be patient.
Let them come to you. Do not go to them. Walk around only to travel from one camp spot to another, and check all sides while in the open. Cover your back while you are waiting. And leave only one entry point if possible. Claymores might be helpful.
Keep your distance
Play as a sniper, and stay out of the trouble. That is, find yourself a corner and try to shoot passer-bys. Most people shoot only at the moving targets.
Make use of perks like Assassin.
And finally, be ignorant.
You will be called a lame camper and you will possibly be kicked out of certain servers, but if this is really your playstyle, you better take it okay.

A: There are a few good, hard counters to the run-and-gun playstyle.
A few I would recommend for you are:
1) Don't sprint
It's in their name, run and gunners are almost always sprinting, and a simple fact of COD is that 9/10 times if two players of equal skill (and connection) come face-to-face, and one was sprinting, the non-sprinter will win the engagement. Concentrate on not sprinting in heavy traffic areas or around corners.
2) Learn the maps inside out.
It sounds obvious, but knowing where you're getting killed from by run-and-gunners is key. In previous COD games the heavy traffic, popular lines of sights etc were easy to learn and obvious. In MW3, not so much due to almost every location having multiple flanks etc. I'd recommend turning your theatre mode on and watching at least a couple of games per map. Take note of where you're dying - was it because you were flanked? Were you not expecting anyone to fly around that corner?
3) Turn your tv up, or get a headset.
Listen for footsteps. In MW3 run and gunners have a very difficult choice for their third perk. In previous CODS it was ninja all the way, now you'll find a very large amount of run and gunners will sacrifice that for stalker or (in my case) steady aim, since hip firing is so woeful without it, and run-and-gunners love to hipfire
4) Play and position yourself to your class strengths:
This DOES NOT mean camp. In my opinion, camping is not only not a very fun way to play, but its a sure-fire way to get revenged, and throw in all the current hoopla with lag compensation, more often than not staying still will be to your detriment.
What I mean by this is play your class' strengths. If you're getting killed by run-and-gunners because you're using an lmg in a small, close quarters space, that's your fault, and you're gifting them the kill. Almost all the maps have alternate routes lending to different styles of play. If you're using assault rifles, take the longer line-of-site routes than if you're using an smg/shotgun for example.
5) Use your teammates:
Assuming that you're playing team based games, always know where your team is, and where you're spawning. If you're moving around the map with a teammate (which I very highly recommend), be aware of which ways they're looking and checking, and make sure you check the opposite. If you're with a group, chances are the run-and-gunner will kill someone else, in which case you're tipped off by the radar or the teammated-killed-skull-thing. Don't stack up though, that's a recipe for a double/triple death.
6) Use anti run-and-gun killstreaks and equipment
I would suggest a claymore or bouncing betty as your equipment. As a secondary, I'd recommend a machine pistol, so if you get tipped off that a runner is approaching in a close quarters area, you can switch up if your main weapon isn't suitable.
For killstreaks, you really can't go past a UAV. Obviously, there are always a few with assassin, but with the other Red perks so good, there's always a good chance quite a few won't be hidden. IMS and sentry guns are very handy for covering your back, and an Overwatch (if you're comfortable reaching 9) will be invaluable for catching runners coming up on you. Otherwise for support UAV, Vests (can't believe how underused they are) and any other of your choice.
As for perks, honestly it won't matter too much in my opinion, but if I had to give a recommendation it would be Recon, quickdraw + probably steady aim. Recon allows you to toss a flash into/out of a room if you suspect you're being rushed. Quickdraw and steady aim will help you get the jump on them if they fly around a corner.
7) Have fun
While all these recommendations are nice, remember to ultimately play the game the way you want to.
If you're getting frustrated, try something different. Muck around with the riot shield or desert eagle or rpg. I have a specific class called 'fun' that is designed for mucking around and getting awful k/d's. The truth of it is, while it's easy to come up with theory for beating certain playstyles, you only get better with practice and experience, so make sure you enjoy the time you're playing.
Good luck!

A: Tactics
Run and gun is about one thing - traversing the most often-traveled areas of a map quickly (hot zones), to encounter and ideally dispatch as many targets as possible.  If this is not your style (it is most people's), you best course of action is to play directly against this behavior - effectively, play anti-run and gun.
The first key element to anti-R&G that you'll have to worry about (and really this is an advantage all the time, but with R&Gers speed it's even more relevant) - you don't want them to know where you are.  If an R&Ger's dot/indicator shows up on a minimap, it's probably no big deal to them - they're already dead, or running away from that spot.  You, however - you're a prime target for all the R&Gers in the area, instantly.  Another key point here is that camping is probably a bad idea - you might get one kill, but there's a good chance that player is going to come looking for you.
The second key element is knowing where they are (or will be), and using that to your advantage.  Getting to know the maps very well is incredibly important - specifically, the spots that are less often traveled, have good cover, where you can't be easily seen by someone moving quickly, or that allow good line of sight to major walkways (without being in a major walkway themselves) are the best.  You don't want to stay in these spots long, however - after you get a kill or two, head in a safe direction under cover to another good spot.
Equipment

Weapon Proficiency: Silencer
Obviously you'll need to select a weapon that can get a silencer.  The key here, obviously, is that since you won't be able to move quickly away from a location you fired at, you don't want the shot(s) to show up on the minimap.
Perk: Assassin
A similar circumstance - UAVs are an R&Gers best friend, any way you can keep off their minimap is a good way to play.  Consider Blind Eye as well - R&Gers often get some nasty killstreak rewards if the rest of your team isn't prepared.
Lethal Equipment: Claymore, Bouncing Betties
Once you know the hot zones, this is where you get to have some fun - if there's a good bet an R&Ger is going to come around a particular corner, make them regret it.  You can also use these defensively - holing up to snipe with one of these at the entrance is always fun (though many of the good sniping areas have multiple entrances in MW3).

A: There is an art to camping. Forget all the crap about it not being fun, shooting fish in a barrel is truly a man's sport.
That being said, how to counter the R&G crowd?
Play objective games (like Domination)
Yep, you know where A, B, and C are and you shoot the fish in the barrel. Don't play their game. Stay back and whack the moles going for the objective.  I personally use an LMG with a scope and just spray'n'pray. Let them walk right into it.
Watch, Listen, and Pray
Watch your mini-map. When you see a bunch of red dots swirling, set-up shop outside their line of site and start shooting.
Listen for footsteps (you'll hear them coming...)
Pray -- and accept the fact that you'll get whacked a few times in your Camp Snoopy position. Who cares, even the best players get killed.
Piss them off and make them pay
Yep, nothing better than to camp and kill. 8/10 times, they're coming back to get you. USE THAT TO YOUR ADVANTAGE. It's human nature. You just pissed them off, they aren't thinking rationally, it's revenge time. Excellent fool!
After a camp kill, immediately get up and move to a position 45 to 180 degrees opposite. When they come back you simply pick them off again. Now they are really pissed. Excellent!  Do it again. I bagged one guy 6 times by moving around the room randomly. Suckers...
Use Last Stand (or whatever it's called)
Nothing feels better than to kill that R&G'er after his death shot doesn't kill you. Yeah, he's coming back but have a ready supply of flash bangs or nades going to the entry location.
Acceptance
Some maps are really hard to camp. Hard, but not impossible.
Shoot Early
Always shoot early. Never try to time your shot. Lag sucks and to counter it, shoot early and slightly ahead of movement.
Never, Never, Never Play Their Game
Look, R&G'ers are experts. Don't ever try to play their game. Accept your limitations and know your strengths. If you let them goad you into their style, they'll kill you every time. Make them pay, not you.

A: Wow, a lot of well-thought answers of great length. They are all nice answers, but really, this is the correct one: have a good connection to the host.
This game is incredibly weighted by connection to the host. If you have a good one, you'll succeed; if you don't, you won't. It's that simple. I can play incredibly and go 15-10 because I constantly get screwed out of kills (shooting first and insta-dying after you get 3 hit-marker, for example).
Do yourself a favor: don't camp. It's a dirty little habit and you won't feel great about the kills. Sitting in a window, target-shooting isn't really fun and you're not earning your kills. You're just getting them because they happen to stumble into your sights. Move around the map, using the cover and nuances of the environment and you'll enjoy it a lot more. Laying prone in the grass is booooooring. It's better to go big-game hunting than to wait for a mouse trap to snap.

A: I'm an experienced run and gunner, and I would like to tell you something. When I run, I've memorized all the spawns, I know were every person is probably going. If I run into a guy who is camping, I will avoid the area and won't go back for revenge. Campers only get kills if you keep trying to kill them, so I will avoid the super campers because they don't move. If they do move, it's the same area, different corner. Also, I run and gun to win, not for kills. I play for the pure purpose of beating you, not my k/d. I've played entire teams that thought they could win by corner camping, but it doesn't work because I will blow you up. I won't come into the room, I'll C4 or RPG you. I wont give you the kill, it must be earned. If you truly want to beat a run and gunner you must play their game. Yes, you will die, but at the end of the match at least you went out fighting, not hiding, which will earn you a lot of points and respect among players.


This amazing assortment of homes from all over the world includes a South African residence complete with two human-size nests, a California home that pops out of a meadow and a Japanese home that is left open to the street because it has no doors. There's a dwelling no bigger than a shed in Oregon, a Brazilian residence built for books as much as people, a tree house made from recycled materials in Texas and an Australian home inspired by a mythical creature called a gryphon. Country living and cutting edge design collide in France and a Mexican house zigzags down a hillside while a once-ruined English hunting lodge is perfect for parties and a residence in Southern California features a human aquarium.
Two nests attached to the Nettleton house mimic the nests of weaver birds.


ST MIRREN striker Stephen Thompson notched a personal landmark yesterday when he reached a half-century of goals for the club he grew up supporting. Now, though, he is hoping to crank up the pressure on third-bottom Motherwell as the Paisley club dares to dream of survival.
Caretaker manager Gary Teale agrees and, with 12 points still to play for, he refuses to concede defeat. "We were never going to throw in the towel and we will always keep believing," he said. "Mathematically, we've still got a chance.
Saints took the lead in the sixth minute and the goal came gift-wrapped by Kilmarnock. Craig Samson's weak punch at a Stephen Mallan corner didn't help but the danger appeared to have been cleared until a sloppy, overhit pass to Mark O'Hara from Nathan Eccleston fell perfectly for Sean Kelly.
The defender still had some work to do but he took a stride before applying a clinical finish from 12 yards.
Confidence suitably bolstered, Mallan came close to adding a second two minutes later with an audacious chip from 40 yards which beat Samson but just cleared his crossbar.
Saints really ought to have gone further ahead in the 25th minute when Lee Ashcroft, as last man, attempted to dribble past Thompson and lost possession.
The veteran striker had a clear run on goal, but his lack of pace proved decisive, allowing Ashcroft to get back and nick the ball away just as the 36-year-old was about to pull the trigger.
A second goal was inevitable, though, and it arrived eight minutes later. Once again the Killie defence was posted missing as James Dayton skipped past Manuel Pascali and laid the ball into the path of Jason Naismith. Quite what the full-back was doing there in the first place is open to question but when Samson could only push his shot straight back out, midfielder Kieran Sadlier was on hand to nod home the rebound from close range.
The home supporters bayed for a penalty when Mallan was bundled off the ball by substitute Alexei Eremenko, but referee Kevin Clancy did not want to know and play continued.
Their unhappiness with that decision only increased when Josh Magennis reduced the leeway with a low shot on the turn from 20 yards after he had been picked out by Chris Johnston's pass.
Saints responded with a penetrating run from Sadlier, which was halted by a desperate lunge from Mark O'Hara which earned the defender a caution.
Eremenko was then booked for handling the resulting free-kick from Mallan, although the award of a penalty would have hurt the Finn more.
Thompson converted the spot-kick for his 50th St Mirren goal, although Samson might, once again, have done better.
He did not need to wait long for his 51st. A slack clearance from Pascali was seized upon by Dayton and, when the Italian brought him down, Thompson stuck the penalty firmly in Samson's left-hand corner.
Ashcroft hit the post with a header from an Eremenko corner but there was to be no way back for Kilmarnock, who appear to have already downed tools.
Mallan almost added a fifth in stoppage time with a swerving free-kick which came back off the bar but the home fans were happy enough with this rare home success.
Kilmarnock manager Gary Locke apologised to the travelling support and warned his players that their futures are at stake.
"The players have to show me that they want to remain at the club and put in really good performances," he said.
St Mirren: Ridgers; Naismith, Baird, Kelly, Tesselaar; Dayton, Mallan, Reilly (Cuddihy 87), Wylde; Sadlier; Thompson (Gow 79). Subs not used: Kello, Arquin, Brown, Sonupe, Morgan.
Kilmarnock: Samson; O'Hara, Ashcroft, Pascali, Barbour; Johnston, Clingan, Slater (Eremenko 46), Obadeyi (McKenzie 69); Magennis, Eccleston (Miller 27). Subs not used: Brennan, Cairney, Syme, Kiltie.
Referee: K Clancy. Attendance: 3,205.


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The mayor of Flint, Michigan wrote an open letter to the mayor of San Juan, Puerto Rico
They don't have clean water.
By Opheli Garcia Lawler
Joe Raedle / Getty Images
Karen Weaver, the mayor of Flint, Michigan, wrote a letter to the Mayor of the Puerto Rican city of San Juan, expressing solidarity and understanding in the wake of delayed government response to the devastation caused by Hurricane Maria.
Mayor Weaver touched on the need to stay strong and fight for the people Mayor Cruz represents, and also how comments made by Donald Trump broker Weaver's heart. Weaver detailed the fight she's lead in getting a proper response from other government officials, and noted that their similar struggles caused her her to feel a "special sisterhood."
Flint Mayor slams Trump in letter to San Juan Mayor: "I am utterly disappointed and outraged by the lack of active engagement and support." pic.twitter.com/us6s7EYjPi
— Kyle Griffin (@kylegriffin1) October 7, 2017
"Survival is everyone's first priority," wrote Weaver in the close of the letter. "We will relentlessly continue to press and demand for this administration and all the appropriate federal agencies to acknowledge and sympathize with your plight and do everything possible to make the situation better. Flint, Michigan stands with Puerto Rico as you fight through your urgent water crisis."
You can read the full letter above and donate to Flint, Michigan here and Puerto Rican relief efforts here.
GEOFF ROBINS / Getty Images

redpajama_set_name: RedPajamaCommonCrawl


Tyson "Adventure" Brooks rides 400-kilometers of abandoned rails in British Columbia's spectacular Okanagan Valley.
Two guys, a little white zodiac, and a hot Shuswap weekend.
A Spa Story from Chateau Whistler, or: What Vita Said.
The way she wove entertaining stories of previous lives made me think she was Scheherazade.
The number one ski destination in North America.
Vancouver is more than just a cosmopolitan, sophisticated city with the freshest West Coast cuisine.
Tour Vancouver's Chinatown with Victoria Pratt of the Metropolitan Hotel.
Susan Barclay, DdD (Doctor of Denizens of the Deep), aka "the Sea-Monkey Answer Lady" .
Tyson Brooks gets cold, wet and worried by a wave at Tofino, Canada's most famous surfing beach.
Wet as a cold sponge, Galiano Island takes mountain biker Tyson "Adventure" Brooks on a very cool ride.
Like a Hollywood movie or a Van Morrison song, Victoria finds herself taken by an unknown hand and thrust "into the mystic."
A simple weekend hiking trip is pushed to the edge of exhilaration as its participants strive to go beyond their personal limits.
Exploring the wild and remote British Columbia coast by kayak, Rick Hudson feels the embrace of solitude.
Burrowing into the snow makes for a creative and warm alpine shelter.


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City of Arlington Partners With Green Mountain Energy Sun Club to Create Sustainable Chapter for New Library Opening in June
Project marks Sun Club's 100th and largest donation in the books, milestone celebration to be held at Earth Day Arlington
Submitted by Green Mountain Energy
Bibliophiles and bookworms will soon be able to browse and check out sustainable features and materials at the George W. Hawkes Downtown Library in Arlington, thanks to a partnership between the City and Green Mountain Energy Sun Club.
Due to open in June, the brand-new three-story facility will feature stacks of sustainably-minded projects funded by the Sun Club's $400,000 donation, the organization's 100th project and largest donation so far.
The catalog of sustainability features at the new library will include:
65 kW rooftop photovoltaic solar array
The Sun Club Gardens featuring both a butterfly garden and a rooftop garden with two standalone dinner gardens
The Sun Club Sustainability Shop, offering green-minded books, refurbished electronics and used and reusable goods for purchase
Sustainability programming and materials
A Downtown Library bike share station
Recycling drop-off in the lobby for books and technology items
Vertical Urban Garden Boxes
A seed library for citizens to receive packets of seed from different types of plants, fruits, vegetables and flowers
"The Downtown Library will enrich the local community and help educate them on the benefits of adopting sustainable practices," said Mark Parsons, president of Green Mountain Energy Sun Club. "We are proud to partner with the City of Arlington on our milestone 100th project. Giving our communities the tools and knowledge to think green is a great investment."
"We are honored to partner with Green Mountain Energy Sun Club on their 100th Sustainability Grant," said Yoko Matsumoto, Director of Libraries in Arlington. "We felt that is was important to not only strive for sustainability aspects to the new Downtown Library but to also to become an educational resource on a sustainable lifestyle to the citizens of Arlington."
All project features are based on the Learn, Practice, Implement model, a three-pronged approach to sustainability that provides visitors with an opportunity to learn about the building's sustainable features and sustainability in general, practice through programming, and implement these ideas in their own lives.
In addition to providing sustainability education value, the rooftop solar array is expected to provide the City with cost-savings of approximately $12,000 annually while preventing 7,500 pounds of carbon dioxide per year, or the equivalent of planting 580 trees.
The public is invited to attend Earth Day Arlington and celebrate the Sun Club's 100th project at the George W. Hawkes Downtown Library April 16, 2018, from 10:00 – 11:30 a.m. The family-friendly event will include nature-themed crafts, activities and an educational screening of Disneynature's Earth.
Since 2002, the Sun Club has been investing in nonprofit organizations to advance sustainability for people and for the planet. By donating more than $6.5 million in sustainability grants, the Sun Club has helped prevent more than 2.6 million pounds of CO2, which is like not driving 3.2 million miles.
To learn more about the Sun Club and how to nominate a worthy nonprofit for a sustainability grant, visit gmesunclub.org.
City of Arlington
Arlington is among the 50 most populous cities in the country. With a population of more than 380,000 and spread across 100 square miles, Arlington is located midway between Dallas and Fort Worth. As the entertainment capital of Texas, the city is home to Six Flags Over Texas, Hurricane Harbor, the International Bowling Museum & Hall of Fame, the Texas Rangers' Globe Life Park in Arlington and the Dallas Cowboys' AT&T Stadium.
Green Mountain Energy Sun Club
The Green Mountain Energy Sun Club is a nonprofit organization advancing sustainability for people and our planet by investing in communities in Texas and the Northeast. Since the program's founding in 2002, the Sun Club® has donated more than $6.5 million to nearly 100 nonprofit organizations. As a 501 (c)(3) organization, the Sun Club focuses on projects related to renewable energy, energy efficiency and resource conservation. Contributions to the Sun Club come from Green Mountain Energy's residential customers in Texas, as well as from Green Mountain, its employees and other Sun Club supporters. To learn more about the Sun Club, please visit gmesunclub.org.
Green Mountain Energy
Green Mountain Energy Company was founded in 1997 with the mission to change the way power is made. Today, we remain 100% committed to this mission, which makes us the nation's longest serving renewable energy retailer and a clean energy pioneer. We provide customers with electricity products made from renewable resources like wind and solar and carbon offsets that help neutralize carbon emissions.
We live our commitment to sustainability inside and out: Every single product offered by our company has an environmental benefit, and our company operates with a zero-carbon footprint - distinctions that make us proud!
More from Green Mountain Energy


Withycombe Under-16s were 47-22 winners when they met Teignmouth.
Withycombe began well, but, when a poor pass was intercepted, the Teigns took advantage and ran in the game's opening try.
The Withy response was excellent and a Joe Tozer try followed by a Will Cooper conversion saw Withy into a 7-5 lead.
Further Withy pressure then led to a Jayden Gore try, one scored after some good work from Matt Rye.
Some power play from The Withy forwards saw Matt Hicks cross to make it 17-5 and it got better for Withy when, after a neat break and slick dummy, from Will Cornish, Matt Shaw-Smith crossed to make it 22-5.
The final score of the first half came from Tom Humphrey following one of his trademark runs and the teams trooped off at the break with Withy leading 27-5.
Teignmouth struck early in the second half with a couple of early tries and it was somewhat against the run of play when, from a kick-and-chase move, Jayden Gore sets up Lewis Hilliar to score in the corner.
Minutes later Tozer crossed for his second try of the match before Finn Musgrove stripped the ball from the Teignmouth wing, raced forward, and then off-loaded to Will Cooper to take the ball over the whitewash.
The Teigns hit back with their fourth try of the match, but Withy had the final word as Finn Musgrave crossed under the posts and Cooper wrapped up the scoring with a successful conversion.
The Withy Man of the Match awards went to Ed Warlow and Jayden Gore.


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Arthplus is an ayurvedic product made using herbal extracts that help to reduce joint pains, improve joint functions and overall health. It is formulated to remove toxins around the joints and support healthy, comfortable movement. It is manufactured in high quality R&D and manufacturing centers in India manned by qualified Ayurvedic doctors, engineers and chemists who research the active ingredients in medicinal herbs. To know more about this product, continue reading the full review.
Yogaraja Guggulu – It is a popular Ayurvedic medicine for arthritis.
Singhanad Guggulu – It is effective in treating joint problems.
Sudh Kuchla – This helps to relieve muscle and joint pains.
Nirgundi – It is an anti-inflammatory and muscle relaxant.
Methi – This rejuvenates bones and muscles.
Balamool – This is useful for removing toxins from the body.
Erand Mool – Removes toxins around joints and supports healthy movement.
The manufacturer recommends taking one to two capsules of Arthplus, twice a day or as directed by your physician.
When you choose the shipping delivery location as USA in the manufacturer's website, it displays the product cost as $22 inclusive of shipping charges. The manufacturer offers a 10% discount to customers who purchase six or more bottles of this product. Customers can avail free gifts offered by the manufacturer on every purchase that is more than $125. The manufacturer will also make sure that the consignments are registered by the FDA.
It costs £16.99 on Amazon. You can be eligible for free Amazon delivery in the UK for all orders that are over £20.
The manufacturer claims that this product is 100% safe even for long term use. This product does not cause any side effects. However, it is good to check with a medical professional before taking this supplement.
The manufacturer states that once you have purchased this product, they will not take it back. If it a case of manufacturing defects, the buyer has to bear the cost of sending it back to the manufacturer.All items and original packing boxes have to be returned and the product has to be sealed and untouched. Also, there is no warranty on physically damaged or burnt items.
This product uses 100% natural ingredients as it is made in a state-of-the-art manufacturing plant in a location that houses several rare species of medicinal herbs. The price of this product is really cheap and this is a concern because in some cases cheaper products may lack in quality and potency. There is no clear information on a money back guarantee or refund on the manufacturer's website. Since buyers in the US have to pay import custom fees when they purchase this product, it may not be a good option compared to products that are manufactured in the USA.


Many people decide to change career at some point in their lives. Often it can be a decision that has been forced upon them through redundancy, or after suffering from a severe injury that prevents them from continuing in the same line of work. But sometimes a change of career can be a personal choice when you finally decide to follow your dreams and do a job that you love instead of one that you may well have simply fallen into out of convenience or family expectations.
Whatever your reasons for wanting to pursue a change of career, it can be quite a shock to the system and bit of a challenge when you realize that in most cases, you would need to completely start over from the very bottom rung on the ladder.
This can be difficult for a person who maybe has spent 20 years or so in one career only to now find themselves competing with 20-something's who are fresh out of college and have no commitments. It can be an extra strain on your mind to know that you will be starting over again maybe with a family and children to support as well as a mortgage to pay.
But what you must take into consideration is that fact that if you don't go for it and make a career change now, you might live to regret it.
When you think that we spend the majority of our waking hours at work, we need to make sure that we at least enjoy what we do for the sake of our mental health.
If this means switching career to land your dream job, then it may mean a few short years of upheaval while you and your family adjust, but in the end it will be worth it – and it will be a much better choice than sticking with the same job or working in the same industry for the next 25 years where you know you are not happy.
Once you realize that life is too short for it to be wasted being unhappy at work, then it is time to make that change and go after your dream job.
The first thing to do is to sit down and make a plan of action about how you are going to end up in your dream job. You may well lack the qualifications and experience to be able to walk right into the role, so you will need to work out how you can gain the valuable skills and knowledge that employers will be looking for in a job candidate.
This may involve taking up some evening classes or part-time study courses to gain the appropriate qualifications for the role. Check out what relevant education and training courses your local college offer and see if you can fit these in while continuing to work at your present job. It may be that you will need to ask for flexible working hours or use up your holiday entitlement to complete courses and take exams.
Look for any opportunities that can give you some valuable experience. This may be volunteering for the company in some way. Many charity organizations and social enterprises welcome volunteers, and you can gain some useful skills and background knowledge about the company that could be useful for landing you with a job with them in the future.
Do the company offer any junior or trainee positions that you can apply for? Your age shouldn't put you off from applying. OK, the salary may be lower than what you are used to in your present job, but if you can land a junior or trainee position with the company, you will be getting a solid foot in the door and gaining skills and experience that can eventually lead you on to landing your dream job with them.
Quite often larger companies that offer paid internships and trainee positions will welcome more mature candidates because they will have a proven working track record and experience of working as part of a team, meeting deadlines and achieving set goals within an organization. You can use your work experience to your advantage here and will have something of great value to offer the company over a graduate with no real-world work experience.
Successful and effective networking is a skill that needs to be honed over a long period of time. No doubt you may already have a wealth of networking experience under your belt, and certainly far more than a fresh-faced college graduate has. You may well have done more deals and shaken more hands than a 20-something has in their whole lifetime. Use your networking skills to put the word out about your career change. You never know – there may be someone already in your network that already knows of a perfect job opening for you, but unless they know you are looking to switch careers, they won't think to mention it to you!


LP version, gatefold sleeve. Wan Chai Records is a Hong Kong-based label, specialized in rare Asian records and quality reissues. For their third release, after a few years of hard digging and historical researches, they went deeper with Hong Kong Score, an introspection into the music of the Chinese cinema industry with a selection of tracks from Hong-Kong, Singapore, and Taiwan, specially produced for movies and illustrations. The result is a compilation of 12 totally unknown gems sung mostly in Mandarin and Cantonese, from real deep instrumentals, hip-hop breaks, Ethio-style crazy drums, to heavy bass in the Alain Goraguer style. This is an amazing introduction to '60s and '70s Chinese music, an inspiration for beat-makers, and a must-have for novices or Asian vintage music lovers. Features: Yao Su Rong, Lena Lim, Li Tai-Hsiang, Teresa Teng, The Apollo, Yuan Ye San Chong Chang, Soul Dance Music, Li Tai-Hsiang, You Ya, New Wave Orchestra, Chang Siao Ying, and Xian Jin Ren and Zeng Zhong Ying.
Wan Chai Records is a Hong Kong based label, specializing in rare Asian records and quality reissues. After a few years of hard diggin' in Asia, meeting the artists and many local figures of the '60s, '70s, and '80s scene in Hong Kong, Singapore, and Taiwan, the label wanted to share their best finds and put them together with the best productions ever made in soul-jazz, disco, funk, modern-soul, and AOR. The result is a selection of ten totally unknown gems sung mostly in English and Cantonese with amazing covers of classics like "Lovin' You", "Make Me Believe In You", or "Hurt So Bad". Features Ajl Band, The Reflection, Charing Carpio, Deanie, Tracy, Julie Sue, Oscar & His Orchestra, The New Topnotes, Louie Castro, and Rita Kwong.


When Esteban Santiago was in an Alaska FBI office in November, saying his mind was being controlled by US intelligence, he left two things in the car. A gun and his newborn child.
The Army veteran's rambling walk-in interview at the Anchorage office was concerning enough for authorities to take away his gun and order a mental health evaluation. But it wasn't enough to get him mentally adjudicated, which would have prohibited Santiago from owning a firearm.
Santiago got the gun back a month later when he retrieved the pistol from police headquarters, and it was that weapon, law enforcement sources told CNN, that he used to kill five people and wound six others at the Fort Lauderdale-Hollywood International Airport on Friday.
A criminal complaint filed by federal prosecutors said Santiago confessed to planning the assault.
"As far as I know, this is not somebody that would have been prohibited based on the information that (authorities in Alaska) have. I think that law enforcement acted within the laws that they have," said US attorney Karen Loeffler, referring to Santiago having a firearm.
Santiago also had some legal trouble and was due in court again in March. But he hadn't been convicted of a serious crime.
"He hadn't been adjudicated a felon and he hadn't been adjudicated mentally ill," former FBI assistant director and CNN senior law enforcement analyst Tom Fuentes said. "So again, you know we have this situation where he slipped through the cracks."
Santiago, 26, faces three federal charges that each carry the possibility of the death penalty, the US Department of Justice said Saturday.
He will be charged Monday with counts of causing serious bodily injury to someone at an international airport; using a firearm during and in relation to a violent crime; and causing the death of a person through the use of a firearm.
Santiago told investigators he bought a one-way ticket to Fort Lauderdale and brought a Walther 9-millimeter pistol and two magazines.
He said he went into a bathroom stall at the airport, loaded the gun and shot the first people he saw, according to the criminal complaint. He shot all the rounds in one magazine and then used the other, the document says.
He thinks he fired 15 bullets, aiming at his victims' heads, the complaint says.
Investigators believe the attack plan developed over a period of time, law enforcement officials told CNN on Saturday.
George Piro, the FBI's special agent in charge in Miami, said Santiago flew from Anchorage to Minneapolis to Fort Lauderdale on a Delta Air Lines flight.
CNN's Deborah Feyerick, Elise Labott, Rene Marsh, Jim Sciutto, Keith Allen, Joe Sutton and Pamela Brown contributed to this report.


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Sudhana's Quest: Learning and Buddhism
by Alfred Bloom, Emeritus Professor, University of Hawaii
Exhortations to study are an important facet of Buddhist teaching. In the Pure Land tradition, there is a phrase "Study the Buddha's Great Compassion." There are three divisions in Buddhist learning, referring to the spiritual training in Precepts, Meditation and Wisdom. Over the course of Buddhist history each denomination or major stream of tradition developed its own scholarly traditions to explore the multitude of sacred texts and clarify significant Buddhist principles. They also established institutions to train monks and teachers. Among the earliest public schools in Japan is the Shugei Shuchiin (a School of Arts and Science) established by Kobo Daishi (Kukai, 774-835) in 828.
Through the centuries, hosts of scholarly monks produced great commentarial texts, with commentaries on commentaries. The detailed discussions rival the reputation of European scholastics who focused on how many angels could stand on the head of a pin. For modern people, these efforts seem quite irrelevant to the important issues of the day. However, these studies and texts have supplied the insights and perspectives that nourished the spiritual meaning of Buddhism and the culture it inspired.
Their insights are communicated through rituals and have permeated the general understanding of Buddhism. While such scholarly studies may seem far removed from the concerns of people's daily lives, Buddhism also developed means for communicating its fundamental principles, values and ideals through parables, stories, metaphors, similes and a wide variety of poetic and prose literatures. The path for becoming a Buddha not only included mystical or spiritual practice, but worldly knowledge as a means to benefit the masses of suffering people and making Buddhist compassion real. Buddhism brought uplifting culture to the life of Asian countries wherever it took root. Gautama Buddha is portrayed as a physician because his approach to suffering in diagnosing the cause and prescribing a cure to human problems parallels that of a physician.
To illustrate the Buddhist view of learning, in this essay we will look into the revered "Flower Ornament Sutra" (skt. Avatamsaka, ch. Hua-yan, jp. Kegon Sutra; sometimes known as "Garland Sutra" or "Wreath Sutra"). It is a massive religious text and largely unknown to rank and file members though it has had great influence in Mahayana Buddhism in all schools. In China there are several versions which vary in size. However, in English the Sutra has been translated by Thomas Cleary, reaching 1,600 pages in 39 chapters.
In Mahayana Buddhism this Sutra purportedly records the teaching of Buddha Sakyamuni given immediately following his enlightenment. (In Theravada tradition there is the first sermon of the Buddha given at Benares which summarizes the basic principles of early Buddhism.) In the Mahayana T'ian-t'ai (jpn. Tendai) teaching in China and Japan there is said to be five stages in Buddha's teaching career. The spiritual principles and philosophy expressed in Buddha's enlightenment, presumably recorded in this Sutra, were too difficult for ordinary people to comprehend immediately. Consequently, the initial teaching, represented by this Sutra was set aside and Buddha commenced teaching more elementary principles and concepts of Buddhism such as the four noble truths and eightfold noble path. The Buddha gradually led his disciples to ever more profound teachings until the meaning of his original teaching could be shared. Essentially the T'ian-t'ai teaching offers an educational theory of graded or gradual learning which provides teachings according to the spiritual capacity of the hearer, guiding them to ever deeper understanding. This is the basis for the practice of Upaya (jpn. Houben) or teaching by compassionate means.
Essential to understanding this text is the transformation of the concept of Buddha within Mahayana Buddhism from a discrete historical person to Buddha as inconceivable cosmic reality, which manifests in all forms of being in nature and the universe. Buddha's enlightenment is discernible in the drive within sentient beings for deeper and deeper spiritual growth and fulfillment, that is, the drive to become one with reality. An aspect of the teaching in the Sutra is that the search for enlightenment is itself the indication that enlightenment is already actively present within us. What we seem to be striving for on our own is already given in our striving. In effect we do not gain enlightenment which we could not know even if we gained it. Rather, it is because of enlightenment that we are striving. This understanding is what other traditions, such as the Pure Land, and teachers, particularly Shinran, call Other Power. In other words, what we aspire to as our goal is itself the motivating or operating source in our spiritual engagement. Enlightenment realizes itself. In Dogen, the practice of Zazen is within the enlightenment of the Buddha and is itself an expression of enlightenment. As we all live within the cosmic reality of the Buddha's enlightenment, everything we contact or experience becomes an avenue to realize enlightenment in one's own life.
This perspective inspired the understanding and pervasive awareness in Asian religion and philosophy that "the one is all and the all is one." It grounds its grand vision of the oneness, mutual inclusiveness or complementarity of all things. Perhaps one of the most outstanding expressions of this in art is the portrayal of Sudhana's Quest in the carvings at the great temple of Borobudur in Java in Indonesia, as well as the image of the Great Buddha of the Todaiji Nara, Japan in the 8th century. Here the Buddha Vairocana, the Great Sun Buddha, backed by the myriad manifestations of buddhas, is the primary Buddha in the Sutra, symbolizing the entire universe as the Reality-body of the Buddha. This vision of oneness is exhibited in the cosmic diagrams (mandalas) of the esoteric tradition. The image of the Great Sun Buddha (skt. Mahavairocana, jpn. Dainichi) in the Todaiji in Nara was also politically significant in Japan. It furnished the symbolism of the unity of the people beyond the tribalism of the earlier religion, when it was dedicated by Emperor Shomu in 740.
As we have indicated, Buddhism attempted to convey its vision of oneness and interdependence through many types of stories and symbols. Among the stories recounted in the "Flower Adornment Sutra" is that of Sudhana (Good Wealth), the son of a merchant, whose spiritual search for Enlightenment offers an example of the serious pursuit of truth that should motivate everyone's quest. Sudhana sets out on his journey alone, suggesting the personal and sometimes lonely nature of the search for truth. The story appears in chapter 39 in the text: "Entry into the Realm of Reality" (skt. Gandhavyuha). This section takes up 400 pages in translation. It shows that all our experiences are opportunities for learning about ourselves or about the world we live in. Through such a quest we can fulfill our personal and spiritual potential. Along this same line the text describes Indra's (king of the gods in Indian mythology) Net where at each node there is a diamond reflecting all other diamonds, expressing the interconnectedness, interdependence of all things, and mutual interpenetration of all things (Oneness). Another important chapter of the Sutra is the "Ten Stages Sutra" in chapter 31 which outlines the stages in the formation of a bodhisattva (Buddha-to be). Also chapter 38 contains a summary of Mahayana Buddhist teaching.
Sudhana was motivated to seek enlightenment by Bodhisattva Manjusri, the Bodhisattva of Wisdom. He asks Manjusri how he can attain wisdom and help enlighten others. Manjusri tells him to seek out good friends and that he must not become lax or weary in seeking good teachers. Even when encountering a good teaching and being satisfied, he must not stop. Rather, he must practice the master's instruction. Sudhana makes vows to become an enlightened and enlightening person. Impressed by his sincerity, Manjusri sends him to another teacher. The next teacher is the monk Cloud of Virtue who relates to him all he knows concerning the conduct of a Bodhisattva and then, reaching the limit of his knowledge, sends Sudhana to the next teacher. Thereupon Sudhana sets out on the path, encountering altogether fifty two teachers, including many types of people without consideration of class or status: women and men, laypeople and priests, beggars and kings and queens. For example, Sudhana learned about the sea from a fisherman; from a doctor he learned compassion for the ill. A wealthy man taught him frugality, while a monk taught him how to attain peace through meditation. A disabled person taught him patience and he learned simple happiness from children at play or from plain, humble people. He learned harmony from burning incense or seeing flower arrangements. From nature he observed a plant growing from a decaying tree, revealing the uncertainty of life. He gained spiritual renewal from sunlight by day and the stars by night. Near the end of his pilgrimage, Sudhana meets Maitreya Bodhisattva who is considered in Buddhist mythology to be the next Buddha. In the course of his encounter with Maitreya, Sudhana sees Indra's Net with it totalistic, holistic grasp of universal reality. His final encounter is with the Bodhisattva Universal Virtue (skt. Samantbhadra, jpn. Fugen). This bodhisattva instructs Sudhana that the only purpose of wisdom is that it should be practiced and shared for the benefit of all sentient beings. In accordance with this principle Samantabhadra makes ten vows leading to Buddhahood. These include: worship and dedication to the Buddha; repentance for one's evil and rejoicing in the virtue of others; to follow the Buddha, remaining in the world to teach others; bringing benefit to all other beings, turning one's merit over to them.
The ultimate meaning of religious faith is how it benefits others. As a friend related to me recently, the issue of Buddhism or religious faith is not to discover the meaning of my life, which is essentially impossible, but how can I make other people's lives more meaningful? This is what Bodhisattvas discover as they begin to seek enlightenment first for themselves, but in the course of practice find that it cannot be attained without sharing it with others. It is interdependence at work. Sudhana's quest is the quest of every person seeking the fulfillment of his or her life. It is very common that people describe their faith as a Way or Path. While we are all attracted to the goal, it is really the journey on the path that really counts. Accordingly it is said: "All of life is a journey which paths we take, what we look back on, and what we look forward to is up to us. We determine our destination, what kind of road we will take to get there, and how happy we are when we get there." Sudhana's pilgrimage or quest instructs us that in the final analysis the quest is personal and undergone by oneself. It cannot be someone else's. It teaches that we must be open to insight from all sources and not be guided by preferences or prejudices. At the same time, we realize that no one person embodies the whole truth itself. The quest is not merely for specific information but for the realization of the truth that transforms our life and enables us to see beyond the limitations and concerns of the moment, a truth that both engages and embraces our whole being and the world live in.
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Exquisite Centennial home in sought after gated community! Stunning vista views as far as the eye can see! A welcoming covered porch invites you into an easy living layout that maximizes the open plan with oak hardwood floors, crown molding, mud room & upgrades throughout. Entertainer's dream kitchen including gas cooktop, double ovens, large center island and beverage cooler. Soak in gorgeous sunsets from your tranquil grand master retreat! Large bedrooms, full basement. Just steps to swim and tennis!


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While this winter has seen warmer than usual temperatures, real estate sales in Highlands/Cashiers area show a little warmth as well.
The real estate market is often considered to be "Hot" when things are moving well. The first half of 2016 started off really slow in sales. The last half made up for the slow start. January, 2017 is continuing to show good sales for our area. While one may not consider it to be a "Hot" market, the trend appears to be positive.
In looking at the January sales for the last 4 years, there appears to be an overall upward trend. This is great for sellers. However, one should not become over-confident and expect a quicker sale.
While sales appear promising, one must keep in mind the reality that there were only 31 homes sold in all of January 2017. There are currently 944 homes on the market. This is still an inventory of 30 months. In other words, it would take 30 months to sell all the listed property at this rate. A strong market is typically considered to be below 6 months of inventory.
Average Unit Sales per Month/1 Year Average: 49 Remember, total units sold nearly double in summer months, while winter months tend to be slow. The Yearly Average gives us better market expectations.
YOY Inventory: 25 months – This is calculated by using average inventory on market compared with average unit sales for 1 year.
Average DOM: 509 This number is for January sales only.
Median Sales Price: $276,500 This is the first drop below $300,000 for several months.
Average List/Sell Ratio: 89.11% – This is indicative that pricing is considered by Buyers to be too high.
Cashiers and Highlands real estate market. However, one only needs to look at this chart to see where their "slice of the pie" may be. Great expectations should not be expected. However, there does appear to be some light shining through.
Inventory: 91 months. That's nearly 8 years of inventory.
Synopsis: Land is moving, but at what many consider to be a snail's pace. Land prices will most likely be held down for some time to come.
6% of home sales ranged from $500,000 – $749,999.
2% of home sales ranged from $750,000 – $1,000,000.
January is continuing the upward trend that started last summer. This offers hope for a continued increase. Surrounding markets have been doing well for the last few years. Will 2017 be the year for this market?
BUYERS: Continued positive signs in market increase give Sellers confidence that prices will return. While this may still be considered to be a Buyers Market, such hope for Sellers may cause many to hold out stronger on current pricing. Already, some home owners have increased their Listing Price. This may be premature on their part, but does give Buyers the indication that their best opportunities at great pricing may start to wane.
SELLERS: While positive signs do offer hope, the List to Sale ratio of 89% suggests that many properties are still well overpriced. The best determination on your Listing is the amount of showings. Little to no showings could well indicate Buyers do not find your pricing attractive, thus they look elsewhere. Talk with your Broker. If you want to sell, consider the advise they offer. They, too, want to sell your home, but can only perform as well as you will allow them.


An Instructional animation I did for Moyo Productions using Blender.
I'm responsible for the complete characters and animation, rigs, and shading of the truck, particles and some rendering and compositing.
A few shots from Gugi and Arnold – An animated series that I develop.
I'm respobsible for the complete production, from story to render.
Modelling, rigging, animation, render, comp and edit were all done with Blender.


Every business owner WILL exit at some point in time. A well-thought-out business strategy includes planning with the end-in-mind; that is, an exit strategy. Your overall strategic plan encompasses setting long term goals and maximizing value so you can reap the benefits of your success.
The mission of Exit Stage Left is to educate business owners at all stages of the business lifecycle on the importance of developing an exit strategy to control HOW they exit and maximize the value realized WHEN they exit. Exit Stage Left provides a suite of programs and services to help business owners develop an exit strategy as part the businesses' overall strategic plan.
Exit planning is important for businesses at any stage of the business lifecycle and for business owners of any age. It's never too early to develop an exit strategy. For early-stage businesses, it may start with a buy-sell agreement. As your business grows, you may have opportunities to merge or be acquired.
Life events may trigger the desire or need to exit. And some of these events could be sudden and/urgent. And for business owners that are reaching retirement age, developing an exit strategy prepares your business for continuing long after your exit and provides a plan for your "life after exit".
The Florida SBDC at UNF has been providing management assistance for small business owners for more than 40 years. We have nurtured businesses as they started, supported them in growth, helped them deal with challenges, and cheered them on as they took advantage of opportunities and realized success. And now, after working with businesses for so many years, we are getting more requests from business owners about how to transition out of their business.
And so, Exit Stage Left was created to provide information, consulting and training to help business owners explore exit options, develop a strategy to maximize the value at the time of exit, and plan personally for what comes in "life-after-business". SBDC professional business consultants provide no-cost consulting to work with businesses at any stage of the business life cycle to develop a strategic plan that allows them to control how and when to exit.
Helping guide, advise, and lead people along their road to financial security and wellness, or as we call it, Lighting the Way to Financial Well-Being, is the motivation behind everything SunTrust does. And the end of that road is a Life Well Spent—a life of financial strength and confidence. A life free from the worries of financial burden. That's why the SunTrust Foundation has provided grants of more than $100 million to not-for-profit organizations focused on education, health and human services, and civic and cultural activities since 2008.
Aligning with SunTrust Bank's larger goal of creating a movement to overcome financial stress in the United States, the SunTrust Foundation is committed to helping people start along their path to financial confidence. This purpose is what drives the SunTrust Foundation in our actions, investments, and goals in our communities and the country as a whole.
The SunTrust Foundation is proud to partner with the FSBDC at UNF and sponsors the launch of Exit Stage Left.


Our Unpacking Forgiveness Series continues at the Red Brick Church. This week I will preach a sermon for those who have the questions: What if I Can't Forgive? What if I Won't Forgive? You can listen to the previous sermons here.


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FIDELITY'S JIHAD
Christopher Markowski May 29, 2007 Article, Wall Street FraudLeave a Comment
Outrage doesn't even begin to describe my feelings after finding out about this story this past month. The NASD announced that it has fined two Fidelity broker dealers a whopping $400,000
for preparing and distributing misleading sales literature promoting Fidelity's Destiny I and II Systematic Investment Plans, which were targeted at U.S. military personnel. These plans, which
required investors to make a fixed number of monthly payments over a 10 to 15 year period, were actually outlawed by Congress in the fall of 2006.1 Sadly the legislation allowed for the existing
plans to remain. I agreed with the banning of these high commission plans; however I find it ridiculous and incomprehensible that Congress allowed the existing plans to continue. If the FDA
found that an existing prescription drug was harmful, do you think that they would only ban new prescriptions, but allow individuals that are currently taking the harmful drug to continue on?
This in my opinion, ridiculous settlement requires for the next five years that two Fidelity brokerdealers (Fidelity Investments Institutional Services Company and Fidelity Distributors
Corporation) to notify Destiny Plan holders who want to increase their investments in existing plans that they can purchase the shares of the underlying fund outside the plan without paying
the creation and sales charge of up to (drum roll please…) 50%.
"NASD's advertising rules are designed to protect investors by prohibiting misleading sales literature and other misleading communications," stated James S. Shorris, NASD Executive Vice President and Head of Enforcement. "In this case, the Fidelity Destiny Plans were sold using various performance charts and data that presented a misleading picture of the plans' performance. These failures were aggravated by the fact that the plans were sold primarily to military personnel, who often have limited time to study the marketing materials for investment products. And these particular products involve complex or unique features that may not be fully understood by the customers to whom they are offered or by the brokers who recommend them."
The NASD found that Fidelity distributed marketing materials and literature that were disingenuous. For example: From May 2003 through January 2006 Fidelity distributed a
brochure entitled "Time is Money" that stated that Destiny Plans significantly outperformed the S&P 500 over a 30-year period. The reality was that over the most recent 10- and 15-year
periods the time frame that was most relevant to current and prospective investors the plans substantially underperformed the S&P 500 Index. The sales literature also showed the Destiny Plans' return over 1, 5 and 10 years, as well as the life of the plan, without showing comparable returns for the S&P 500 Index which in turn created the illusion that Destiny outperformed the S&P 500 Index. The S&P 500 Index blew away the Destiny Plans during the time periods. Fidelity used the performance data of the Destiny Plan Class O shares in the charts. Destiny
Plan investors couldn't even purchase those shares. Plan holders bought the high commission high expense N shares so they did not perform nearly as well. Last but not least…The NASD found that Fidelity distributed a Destiny newsletter to over 325,000 plan holders/victims. The newsletter included a chart that supposedly showed the Destiny Plan performance. The reality was that Fidelity only showed the performance of the underlying mutual fund portfolio. They didn't include the fact that the plan holders paid a 50% upfront commission on each of the first year's payments plus a continuing sales charge on each additional payment until the plan payments were completed. The returns for plan were substantially lower than advertised.
I find it quite disturbing, however not surprising, that an outrage like this has attracted zero attention in the main stream press. A $400,000 fine and an order to tell the truth is not what I
would call justice for ripping off military personnel. What it is, in my opinion is an outrage. I fail to understand how this type of penalty to an enormous corporation like Fidelity is any sort of
deterrent; not to mention the free pass the press has given them. I would much rather send those responsible to Club Jihad in Guantanamo, Cuba. They would at least have something in
common with the current inmates.
NASD Fines Two Fidelity Broker Dealers $400,000 for Distributing Misleading Sales Literature About Systematic Investment Plan Sold to Military Personnel
NASD Press Release NASD Staff
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Class Differences
If working wives are the modern-day urbanizing peasant, then there are important differences between some "peasants" and others. In addition to the split between housewives and working women, this social revolution also widens a second split among women—between the women who do jobs that pay enough to pay a baby-sitter and the women who baby-sit or tend to other home needs. Carmen Delacorte, who sat for the children of two other families I talked to; Consuela Sanchez, the Salvadorian woman who babysat for the Livingstons' daughter and whose mother was raising Consuelas child back in El Salvador; the My-
ersons' Filipino baby-sitter, who had an eight-year-old daughter in the Philippines; the Steins' housekeeper and assistant housekeeper: all these women are part of a growing number of workers forming an ever-broadening lower tier of women doing bits and pieces of the housewife's role for pay. Most likely, three generations back, the grandmothers of all these women—professional women, baby-sitters, housekeepers—were housewives, though perhaps from different social classes. Since class has a remarkable sticking power, it may be that the granddaughters of working – class housewives moved into the economy mainly as maids, daycare workers, laundry and other service workers—doing low-paid "female" work—while the granddaughters of upper-middle and upper-class housewives tended to move in as lawyers, doctors, professors, and executives—doing mainly high-status "male" (and some "female") professional work. The granddaughters of the middle class may have tended to move into the expanding world of clerical jobs "in between." There is an important class difference between Carmen Delacorte and Ann Myerson: both form part of the new "peasantry," but as in the industrial revolution of the nineteenth century, some newcomers to the city found it much tougher going than others, and were more tempted to go home.


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Mr & Ms Y and Tipperary County Council (FOI Act 2014)
Case number: 180143
Whether the Council was justified in its decision to refuse access to details of a complaint made of alleged unauthorised development and to details of the identity of the complainant(s)
On 11 December 2017, the applicants, through their solicitors, sought details of information given to the Council concerning alleged unauthorised development at their property and the identity of the informant. On 4 January 2018, the Council refused the request under sections 35(1)(a) and 37 of the FOI Act. The applicants sought an internal review of that decision on 18 January 2018, following which the Council affirmed its decision under sections 35(1)(a), 37(1), and 42(m) of the FOI Act. On 11 April 2018, the applicant sought a review by this Office of the Council's decision.
In carrying out my review, I have had regard to the correspondence between the Council and the applicants as set out above. I have also had regard to the communications between this Office and both the applicants and the Council on the matter. I have also had regard to the contents of the records provided by the Council to this Office for the purpose of the review.
Scope of Review
This review is concerned solely with whether the Council was justified in its decision to refuse access to details of the complaint made to the Council and to the identity of the complainant(s).
Preliminary Matters
In their request for internal review and in their submission to this Office, the applicants made reference to further records held by the Council, namely reports on the site inspections of the applicants' property. It is important to note that these records are outside the scope of this review, and should the applicants seek access to these records, they should make a fresh request to the Council for access.
Analysis and Findings
Among other things, the Council provided this Office with copies of correspondence it received concerning the alleged unauthorised development. This correspondence contains the information sought, namely the details of the complaint made and the identity of the complainant(s). The Council relied on sections 35(1)(a), 37, and 42(m) of the FOI Act to refuse the request. As section 42 serves to restrict the applicability of the FOI Act in certain circumstances, I have considered this provision first.
Section 42(m)(i)
Section 42(m)(i) provides that the Act does not apply to a record relating to information whose disclosure could reasonably be expected to reveal or lead to the revelation of the identity of a person who has provided information in confidence in relation to the enforcement or administration of the law to an FOI body, or where such information is otherwise in its possession. In essence, the section provides for the protection of the identity of persons who have given information to FOI bodies in confidence in relation to the enforcement or administration of the law to ensure that members of the public are not discouraged from co-operating with such bodies or agencies.
For section 42(m)(i) to apply, three specific requirements must be met. The first is that release of the withheld information could reasonably be expected to reveal, whether directly or indirectly, the identity of the supplier of the information. The second is that information must have been provided in confidence, while the third is that the information must relate to the enforcement or administration of the law.
First Requirement
Having examined the relevant records, I am satisfied that the disclosure of the release of the details of the complaint could reasonably be expected to lead to the revelation of the identity of the person(s) who provided that information. I find, therefore, that the first requirement is met in respect of both the identity of the person(s) who provided the information and the details of the information provided.
Second Requirement
The second requirement is that the provider of information must have provided that information in confidence. It is arguable that if people providing information to the Council in such cases were not reassured as to confidentiality, the information gathering process would be compromised by the withholding of such information. The records in this case contain a clear statement that the complainant(s) provided the information in confidence.
In its submission to this Office, the Council stated that the circumstances surrounding the receipt of complaints regarding breaches of planning law requires an understanding that the identities of complainants will not be disclosed. According to the Council, the effectiveness of planning legislation in controlling development is dependent on there being a proper system of enforcement in place. It stated that reform of planning legislation has involved to a greater extent members of the public supplying information and assisting the Council in enforcement.
In my view, it is not generally appropriate that the details of a complaint of alleged unauthorised development would be treated as confidential or that persons making such complaints could reasonably expect that the nature of the complaint would be treated as confidential. Indeed, if a planning authority wished to follow up such a complaint, I fail to see how it could do so fairly without informing the person(s) against whom the allegations were made of the nature of the alleged unauthorised development. However, I fully accept that complainants would have a general expectation that their identities be treated as confidential. The withholding of the complainant's identity should not hamper the planning authority's ability to investigate the complaint made
I note in this case that the Council issued a warning letter which described the nature of the alleged unauthorised development being investigated. The question I must consider is whether the second requirement is met in respect of the specific information sought. In light of my finding that the disclosure of the release of the details of the complaint could reasonably be expected to lead to the revelation of the identity of the person(s) who provided that information, I find that it is.
Third Requirement
The third requirement is that the information provided relates to the enforcement or administration of the law. The Council is charged with the enforcement of legislation relating to planning and development, including the control of breach of planning law under the Planning and Development Acts 2000-2017 and the Planning and Development Regulations 2001 to 2018. Therefore, I am satisfied that the third requirement is met in this case.
Having found that each of the three requirements are met, I find that section 42(m)(i) the FOI Act applies and that the Council was justified in refusing the applicants' request for the identity of the person(s) who made the complaint of alleged unauthorised development and the details of the complaint made as contained in the records held by the Council.
In light of this finding, it is not necessary for me to consider whether sections 35 or 37 of the Act apply.
Having carried out a review under section 22(2) of the Freedom of Information Act 2014, I hereby affirm the decision of the Council to refuse access to the identity of the person(s) who made a complaint against the applicants regarding alleged unauthorised development under section 42(m)(i) of the FOI Act.
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Section 24 of the FOI Act sets out detailed provisions for an appeal to the High Court by a party to a review, or any other person affected by the decision. In summary, such an appeal, normally on a point of law, must be initiated not later than four weeks after notice of the decision was given to the person bringing the appeal.
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The below article is from onrec.com and written by: Rachel is a mother of 2 beautiful boys. She loves to hike and write about travelling, education and business. She is a Senior Content Manager at Bizset.com - an online resource of relevant business information.
This offers some helpful information when considering developing a careers portal / careers specific website.
Attracting the top talent can be difficult. There's a huge amount of job postings made every day and even larger amounts of resumes. With such a big pool of candidates, how do you attract the top talent with the right experience, training and drive for your company? Here's how to build a great recruitment offer to attract the top talent.
Before you even begin creating your recruitment offer you must know exactly what you are looking for. What skills, traits and values are a must? What special things should you be looking for?
Identify your target personalities and abilities as well as the desired values a successful candidate must portray. These values and traits should match the culture of your company which will not only help you choose the right talent but retain them as well. Having a clearly defined culture that people can see and feel will help attract the right people.
This might seem obvious but it's crucial that you are crystal clear about both the professional and personal qualities, qualifications and expectations that you are looking for. Top talent enjoy challenges and strive to make achievements. To do so, they must know what's required of them.
By now, top talent know what great benefits look like and they expect to receive them. If they are going to work at a company they want to feel like they are appreciated and can be themselves in the workplace.
What perks you offer will generally depend on the company culture but things like flexible schedules, gym memberships and other types of employee perks are well received by employees. Make sure it's clear that your company offers nice benefits in your recruitment offer.
Less than 10% of job postings include salary ranges. In a competitive labour market this can really damage your recruiting process. To acquire the top talent you should include salary ranges as well as your benefits and perks like personal days, telecommuting and any training opportunities.
Employee referral programs are one of, if not the top source of hire. An employee referral program creates a quicker hirer process, costs less and has a higher retention rate when compared to other hire sources. Your existing talent will likely have relationships with other talented people.
Additional benefits of an employee referral program are that both the referred hire and the referee will stay longer at the company than other employees.
Recruiting isn't always as straight forward as finding and hiring a candidate. The internet has allowed both employers and employees to find possible opportunities during any point of the process. You might find a perfect candidate in a time when they're not looking for a new position. However, nurturing these relationships and following up with them at the right time can be a great way to acquire top talent.
While the successful candidate must match what you are looking for, the candidate is also looking to see if your company is right for them. Therefore, you must provide a positive candidate experience throughout your entire recruitment process.
Think about how your company is portrayed online, both on and off your site. How easy is it for them to apply and how quickly do you get in touch with candidates? You want to make sure they feel comfortable and welcome when they come onsite. LinkedIn's 2015 Talent Trends report found that 83 percent of talent say a negative interview experience can change their mind about a role or company they once liked, while 87 percent of talent say a positive interview experience can change their mind about a role or company they once doubted.
Building a great recruitment offer doesn't need to be complicated. To attract the top talent, you need to be clear with your expectations, offer top incentives and nurture your talent relationships. With a bit of planning and patience you will soon have the super star team you have dreamed of.
Rachel is a mother of 2 beautiful boys. She loves to hike and write about travelling, education and business. She is a Senior Content Manager at Bizset.com - an online resource of relevant business information.


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HomeSo Who's Making Up Innuendos About Leon Brittan
So Who's Making Up Innuendos About Leon Brittan
January 23, 2015 greenteeth Uncategorizedabuse, brittan, criminal, dossier, paedophile, politician, satire, sex
The rumor mill has gone wild since the death of alleged dossier – shredder Leon Brittan. Bizarrely his friend Lord Deben seems to think the various allegations raging from Brittan's role in covering up the activities of a Westminster paedophile ring, to his actual involvement in sexual abuse of children only originated recently.
Politicians who have used Twitter to make "innuendos and insinuations" about Lord Brittan are "wicked" and should "shut up", a friend of the late peer has said.
Lord Deben, a former cabinet minister, accused MPs of maligning Lord Brittan's reputation "in order to make themselves look as if they know something when they don't".
Brittan was also also accused of "improper conduct with children" by Labour MPs in the Commons in October last year, sparking a row over parliamentary privilege.
Two dossiers submitted to the Home Office, one by Geoffrey Dickens, the late Tory MP, the other by Former Labour Cabinet Minister Baroness (Battling Barbara) Castle but no record of any subsequent criminal inquiry has been found and both dossiers have disappeared.
Earlier this week another secret government file on 'the unnatural sexual behaviour' of politicians and public servants at Westminster was found by an academic carrying out research at the Government's National Archive in Kew.
Is it too much of a very coincidence that the government figure whose name featured most prominently in the case died just a day after the 'unnatural sex' folder was handed to the authorities and news of its existence was leaked to the media? You may say that, we could not possibly comment.
Child abuse cases, Birmingham, Bristol, Nottingham
The 30 year cover up of elitists unnatural sexual activities
The Rochdale grooming and sex abuse scandal
The Rotherham grooming and sex abuse scandal
Why do the left love paedophiles
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Somali Rape Gang Jailed for Raping and Trafficking Teenage Girls | The Original Boggart Blog says:
[…] So Who's Making Up Innuendos About Leon Brittan […]


Pune (Maharashtra) [India] Sep 27 (ANI): The Information and Broadcasting Ministry on Wednesday constituted the Film and Television Institute of India (FTII) Society, comprising Bollywood actor Kangana Ranaut, singer Anup Jalota and other noted celebs from the film and television industry.
Under the 'Persons of Eminence' category, the celebrities who made it to the nomination list are singers Yesudas and Anup Jalota, actors Kangana Ranaut, Divya Dutta, Satish Kaushik and Arvind Swami, producer Brijendra Pal Singh and Archana Rakesh Singh, Chairperson, School of Communication Studies at Punjab University.
Under the 'Alumni of FTII' category, the ones who made it to the nomination list are- directors Rajkumar Hirani, Vidhu Vinod Chopra, actor Danny Denzongpa and cinematographer Mahesh Aney.
In a media interaction, veteran actor Anupam Kher, who is also the current President of the FTII Society, said that it would be an honour to work with the new members.


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Photo Credit: Photo Credit: Tanya Grypachevskaya
Concerns Increase As Hawaii's Moana Volcano Sends Signals It Could Erupt
environment , hawaii , united states:hawaii , news , Travel News
Parker Diakite • Oct 28, 2022
There are growing concerns on Hawaii's Big Island as officials monitor the Mauna Loa Volcano for "heightened unrest."
Mauna Loa is the world's largest active volcano. State officials have been monitoring its activity since September. The main reason for increased monitoring is the number of earthquakes has gone up from 10 to 20 per day to 40 to 50, the Associated Press reports.
RELATED: How Do You Know Which Island In Hawaii You Should Visit? We've Got You
Scientists believe more earthquakes are happening because there's an increase in magma flowing into the volcano's summit reservoir system, according to The Week.
I'm in Hawaii and have dealt with 1 hurricane, 2 lava inundations and countless earthquakes in 10 years. Gotta go with volcanoes being the most destructive on my island. (We're currently on volcano watch for Mauna Loa) pic.twitter.com/DJNeOkW8D9
— Marcie 🇺🇦🌻 (@GhostGirl1957) October 28, 2022
State leaders are telling residents that while they are not trying to cause panic, it's vital that everyone stays informed.
"They have to be aware that [if] you live on the slopes of Mauna Loa, there's a potential for some kind of lava disaster," Talmadge Magno, the administrator for Hawaii County Civil Defense, said tells the Associated Press.
The volcano, rising 13,679 feet above sea level, hasn't erupted since 1984. It could cause catastrophic damage if it erupts, making up at least 51% of the island's landmass.
RELATED: A New Island Has Emerged In The Pacific After Underwater Volcano Erupts
Mauna Loa is larger than the Kilauea volcano, which destroyed more than 700 homes after erupting in 2018. One huge concern is the population on the Big Island has more than doubled since its last eruption in 1984. More than 200,000 people live on the Big Island compared to 92,000 in the 1980s.
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