To have an average couple of, searching for funds to buy a house or perhaps to enhance their existing home is a superb challenge. Fortunately, there's always financing that they'll rely on.
1. Fundamental mortgage loan. This kind of loan may be the simplest and also the least difficult. The fundamental catch of the mortgage is it has really low rate of interest, which could promise that you'll have actually the capacity to pay for the loan. It is also a primary reason why first-time mortgage loan borrowers take fundamental mortgage loans. Its rate of interest can fall even as little as one-1 / 2 of 1 % from the variable rate of interest. The only real disadvantage is the fact that there's less versatility in this sort of loan. Lenders also can include more charges every time they deem fit.
2. Fixed-rate Type of mortgage. For your house home loan, you may choose from a fixed or variable rate of interest. If you wish to obtain stability and security, you need to pick fixed interest rate type. It is because regardless of what the alterations take presctiption the eye rates, the quantity that you are going to cover a specific time period won't ever change. Which means that you are able to organize your money correctly so you'll be able to handle your monthly obligations. Normally, fixed-rate loan may have a uniform interest charge from 1 to five years. Next, you've got the option to either change to financing with variable rate of interest. The down-side of these loan is it has limited options, and you will find high charges you need to pay before you really make the most of it.
3. Interest-only Type of mortgage. This kind of loan may be the favorite among property investors, house buyers, and for individuals who wish to obtain mortgage refinancing. It guarantees really low repayments around the loans and other alike features as conventional mortgages. Using the interest-only mortgage loan, you could have the chance to pay for the whole quantity of the mortgage once the term of the loan ends as lengthy as possible give minimum repayments. To put it simply, you will simply need to pay for the interest within the existence from the mortgage and spend the money for principal amount in the finish from the existence from the loan.
4. Credit line mortgage loan. There are other and much more home proprietors who're after versatility with regards to their mortgages. This is exactly why they accept credit line mortgage loan. With this sort of mortgage, you'll be able to gain access to and withdraw funds equal to the loan that's been set up from your loan company. By doing this, you'll be able to make use of the cash very wisely. Furthermore, repayments may either be accomplished on the month-to-month or full-payment basis. The cash that you could acquire may be used to purchase a home or invest on the property.


It seems that it is rare to find true love nowadays. Some people spend so much time and effort searching for the true love that would stay for the rest of their lives with them. But some people are quite lucky to have the right person that would see through their flaws.
This couple love story will surely inspire you as this man devotes himself entirely to a girl despite her pre-existing condition.
The couple named Lance and Ella became a sensational love team as they caught the attention of many social media users of Facebook. Denz Bautista Ceralde shared a photo and a video of Lance and Ella which became viral online. The sweetness of the two captured the hearts of many netizens which is seen on the Facebook post.
In the video, Denz spotted a man and his PWD girlfriend in front of a "kwek-kwek" food stall. He immediately took some photos and videos because he got mesmerized by the two and how the girl gorgeously smiles while looking at the boy he was with.
According to his Facebook feed, he stated that he had no idea if what's the real deal on their relationship status but he believed that the boy is in good intentions with the girl as if he was in love with her. Denz admired the boy because he saw the deep affection that the boy has for the girl.
The TV episode that was air in GMA was titled "Our Viral Love: The Lance Fernandez and Ella Layar Story." The story was about a young boy who was deeply in love with a very gorgeous and kind girl, Ella, despite her serious illness. Ella's condition confined her to live most of her time in a wheelchair. His affection didn't ever wavered a little and even used it as a means of reason to be with Ella.
Lance not just proved himself as her lover but also became a wonderful miracle for Ella. He made her life colorful and put a smile on her face because of love. Many people got inspired and believed once again that true love still exists.
Although Lance didn't say it directly, a lot of people believes that Lance intentions are true. He had chosen to take good care of her heart and vowed to keep her safe from harm.
Some people may think that their relationship would be tough and complicated, but a lot of people are hopeful that they will push true through it all. Their pursuit of happiness will eventually come as long as they committed to keeping their vows.
What are your thoughts on their love story? Share it with this article!


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103 The Four Things You Are Really Selling with Dov Baron
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Dov Baron is a man with a finger on the pulse of the evolving world of NextGen leadership. Twice cited as one of Inc. Magazine's Top 100 Leadership Speakers to hire, also cited in the Meeting and Event Professionals Guide to The Top 100 Motivational Speakers and Named as one of the Top 30 Global Leadership Guru's. He is a bestselling author of several books. His latest book is Fiercely Loyal; How High Performing Companies Develop and Retain Top Talent.
He is the host of the national (US) TV show "Pursuing Deep Greatness with Dov Baron" on ROKU TV, and
the host of the Number One Podcast for Fortune 500 Listeners (globally) "Dov Baron's Leadership and Loyalty Show" on iTunes and is carried on FM & AM Radio Stations across the US.
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Dondi Scumaci - Don't let a bad experience creep into your heart
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Loved the interview! Dondi has a great way of reminding us that we get to choose the lesson in our experiences.
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I just started listening to Christine's podcast and the content is amazing! Can't wait for the next episdoe.
Packed with Powerful & Practical Tips!
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Love this podcast! The lifeblood of any business is sales and Christine does an amazing job of making sales something you'll fall in love with instead of dread. These podcasts are short and get staright to the point, filling you with both the knowledge and motivation to go out and bring in lots more money to your business by selling from your heart. If you want to bury the notion that sales is sleazy or avoid "gurus" who make sales sleazy and instead learn to how to sell in a way that is heart-centered, easy, win-win, and non-pushy, then look no further... you have found the right podcast!
Mindset Makes The Difference
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Great show about creating a business with heart. If you think it, you can achieve it and Christine show you how to use your heart and mind to find success. I'll listen again.
Loved the JLD Interview
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Wow, what a great interview with JLD. Christine your energy is great and I look forward to listening to your other episodes. Well done! BTW I love the title so much!
Follow your heart!
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... and your mindset will take it from there. Yogi Berra once said "90% of the game is half mental." With your heart and mind aligned (like planets) you'll be amazed at what you can accomplish. Subsribe, listen and start selling!
Afraid to sell? Listen here!
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These are wonderful interviews with successful entrepreneurs, (including the Queen of Sales Mindset, host Christine)......who share how they began, what their difficulties were, and the sales mindsets & strategies they used to get to their top. If you've ever had that icky feeling when it come to 'selling' you or your stuff....get some great inspiration here of not only how to sell, but how to think.
Feeling P.O.W.E.R. ful!
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Let's be honest, we can ALL be better at selling. I know I can, and I've been studying selling for years! Have a listen if you want to start getting better. I'd recommend it!
Inspirational!
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Christine does such an incredible job of helping her listeners to find their way with selling with love, from the heart. Her guests offer so much value—looking forward to more interviews!
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Have gotten a lot of value out of the first episodes. Christine is a great host!
We need more of this...
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I'm an entrepreneur and I sell every day of my life. It's easy to neglect the heart side of things, but I think it's important to balance that since we're all humans on the same team. Christine does a great job providing really valuable insights!
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Resources in this Episode
Fiercely Loyal: How High Performing Companies Develop and Retain Top Talent by Dov Baron
Don't Read This…Your Ego Won't Like It! by Dov Baron
One Red Thread: Discovering the Purpose Already Woven Into Your Life by Dov Baron
Purpose's Missing Piece: 7 Steps Process for Getting Your Top People Fill Your Talent Pool by Dov Baron
What Growing Up Poor Taught Me about Success, Wealth and Leadership by Dov Baron
Your Anniversary Issue by Heart Sells Podcast Download your Anniversary Issue, a special guide with all episodes & Key Points
Join my FREE Heart Sells! Facebook Group and join an amazing community of heart-centered, driven entrepreneurs to connect and receive amazing value on how to sell from your heart and make sales with ease, grace, and confidence.
3 Key Points:
When you're connected to your purpose, it's irrelevant what you're doing. Those are just vehicles.
By being vulnerable, you are actually asking for help. When you ask for help, people are naturally good and they want to help you out.
The best sales feature you have is to be you. Not something you think you should be.
[04:24] Whatever it is you're selling, there are so many salespeople out there selling the same stuff, it's commoditized.
[05:54] If everything is commoditized, you have got to know what it is about you that is different.
[06:49] This is the best way for me to serve at this moment. But connected to that matters so much and that's what we all have to do. We have to get connected to that.
[10:18] The world changes, you cannot see the world the same. Millennials are fantastic because they actually understand that life has to have meaning because they got rid of this nonsense,
that there's a professional self and a personal self.
[11:09] You can either use what you have and bring that to your sales or you can deny what you have.
[13:47] The vulnerability, the authenticity, that's what people connect to. In sales, this is what we all have to understand.
[14:17] Show up as a human being. That's your best selling feature. Don't be somebody else, be yourself.
[16:25] The thing you're most terrified to say is the best thing you could say.
[17:07] It's not about the right words, the right sentence, the right sales pitch. It is about being you in the most authentic raw, and sometimes unlikeable to some people.
[24:18] You are never broken, you've never been broken. You are a magnificent diamond, you may have been covered in a ton of crap.
For FULL Transcript click here:
Read Full Transcript, click here:
Christine Schlonski [0:02]
Hi Gorgeous. This is episode number 103. Today, we're having back Dov Baron, one of the Top Global Leadership Gurus.
Dov Baron [0:13]
Hi, this is Dov Baron, you're listening to Heart Sells! Podcast with Christine Schlonski. Enjoy.
I'm so excited to have Dov back on the show today because I loved our first interview about his story, about what he or how he started to lead himself. He's so right, you need to lead yourself first. Today, we are going to dive in on to the four things that you are really selling. Before we do that, make sure you hop on over to https://christineschlonski.com/ Find the podcast tab and get your personal anniversary issue where we have put together all the titles of the 100 first episodes, including the three key points so you can be inspired, be motivated, and also you find the right podcast at the right time when you're looking for certain topic. Tune in, this Dov Baron today, he is a man with a finger on the pulse of the evolving world of NextGen leadership. He has been cited twice as one of Inc. Magazine's Top 100 Leadership Speakers to hire, also cited in the Meeting and Event Professionals Guide to The Top 100 Motivational Speakers and he has been named as one of the Top 30 Global Leadership Guru's. He's the author of several best selling books. His latest one is, Fiercely Loyal: How High Performing Companies Develop and Retain Top Talent. In addition to that, he is the host of the national (US) TV show "Pursuing Deep Greatness with Dov Baron" on ROKU TV, and he is the host of the number of Podcast for Fortune 500 Listeners (globally) "Dov Baron's Leadership and Loyalty Show". Enjoy the show was with Dov Baron and let's dive right in. Well, I am so excited to have you back on the show, Dov. Welcome.
Thank you. I'm delighted to be back, to dive deeper.
Yes, I loved our first interview. You've given so much value and advice and tips of how people can journal and how they can find out their treasures hidden in the darkest places. I would be really interested to know, what was the first thing you've ever sold in your life?
That's a great question, the first thing I sold in my life? Wow, I, what was the first thing? I think I sold a lot when I was a kid. So I'm just trying to think what the first thing was. I know what the first thing, so this is a dark story. The first thing was not sold but can't, I can't my siblings. My baby sister had this, this speaking cell thing. It was this circular thing and you pull the string. It was a little pointer and it pointed to the cow and it mood and it points to the cat and it meowed, all those kinds of things. I've been smart ass kid worked out the sequence. It was Christmas time, we'd all got these coins. I actually had them playing roulette by putting the coins on where they think it was going to go next. But I worked it out where I was gonna go. I sold them on the game, on the idea of this game and then took all this spending money away and we can buy Turkish Delight. I guess that was the first thing I sold, is I sold them on the idea. It's interesting because I think that is what sales really is. If you think about the world we live in, and particularly in the world of sales. Think about anything that's not commoditized, everything is commoditized. You're in insurance, what are you selling? You're selling the same as every other insurance person. You selling real estate. Well, how many people are in real estate? Whatever it is you're selling, there are so many salespeople out there selling the same stuff, it's commoditized. What are you really selling? I'll tell you what you're selling. You're selling certain things and there's what they are. You're selling a philosophy, an idea, a belief, and you're selling yourself. So what is it? You look at those. What is the philosophy behind my Starbucks? The philosophy behind it is, according to Starbucks, the third place, the third-place philosophy, that's what it's called, you don't know what it is, go look it up. If you ever saw the show, Cheers, it was that's what third places based on. This is based on the English pub, which is when you go in everybody knows your name. That's why they asked your name, not because they know who to serve it so they can remember you next time you come back. It's actually a philosophy, the third-place you go, work and home and the first two and the third places where you hang out, which is the pub or in America is the coffee which we've now they've made around the world. There's a philosophy there. We want to know what our philosophy is. What is the idea? The idea is that we get to hang out. That's the idea. Okay, so the philosophy is, this is a comfortable place, we get to hang out. Maybe share ideas with other people writing screenplays, we're never going to get screenplays written. But you know, let's we're sharing ideas and then you're selling yourself. Because if everything is commoditized, you have got to know what it is about you that is different. That comes down to the work that I do, which is finding your purpose. You've heard of Simon Sinek's book, Start with Why, it's a great book, I recommend it highly to people. Start with why but don't finish with why. There is a why, under your why. There is something deeper within you that your psychology is driving, when you get in touch with that, when you connect to that, then you are on purpose in your life in everything you do. Then when you show up. People want to know what it is about you. They see something in us like, something different here, what is it? And is that you're so deeply connected to that part of you that desire so deeply to serve. The way you serve is you serve through your thing, whatever your thing is. Whether your thing is insurance or real estate or coffee, or phones or whatever it is. This is the best way for me to serve at this moment. But connected to that matters so much and that's what we all have to do. We have to get connected to that. If the government suddenly bans public speaking, this is our go, "Okay, I can't probably speak anymore." "No." "Okay. Well, I'll do my focus." "No, we're banning that." "Okay, all right, we're banning that." It takes away all of my platforms. Then it says, "Okay, you got to go work at McDonald's." "You go what?" "Yeah, you gotta go work at McDonald's flipping burgers." "Okay, so that's what I have to do. I'm going to go flip burgers at McDonald's." What am I going to do when I get there? The answer is exactly what I do today. I'm just going to do it while flipping burgers because that's my purpose. So when you're connected to your purpose, it's irrelevant what you're doing. Those are just vehicles. The platform is a vehicle for me, my podcast is a vehicle for me, my writing, my books are all vehicles for me. Is flipping burgers the best vehicle? No, I don't think so. But I can't help but deliver what it is. When you get connected to the Y-L-V-O-Y. You can't help but go, "This is one I'm on the planet. I'm here to serve that, to bring that to the world, to make a difference." When you get connected to that, that's when you're really selling. You're not selling anything other than. "I want to serve you."
Yeah, I love that. I developed the sales power formula and power. Every letter stands for something and the W for the Why were also encourage people to go deeper. Because often they say, "Well, I do it like the kids are my reason?" That's just to surface, there are so many more layers to go to. I love that conversation. Because you will find something deep within that really gives you the drive. That really makes you jump out of bed each and every morning. It usually has not to do with, "I do it for my family or my pets or my parents. It's so much" —
No, you're right, it's so much deeper. But most people don't have the. It's so much easier to be surface, it's so much easier to just say, "Well, you know, it's this", and that's fine. I'm not here to judge you if that's what you want to do, that's fine. But if you want to spring out of bed every morning, genuinely and you need to go deeper. I know I could be more, I could be the motivated guy for years before I felt I could be motivated, but motivated and inspired a vastly different. Motivated is a psyche, you talk yourself into it. "Okay, let's go, let's rara." Okay, and I could do that, I was good at it. I could do it with others. But that's not the same as being inspired. Inspired is, "This is a shitty day, everything's gone wrong. I'm full of self-doubt. But all I know is I'm here to serve." So I just got to get up and serve. I gotta get up and serve. I don't have an option in that. There's no motivation in it. It's what I'm here to do. It says native to me as breathing. It's the nature of who I am. So I have to do that. This is not even about, "Rah, rah. Okay", and then when you when you're coming from that place, everything shifts. The world changes, you cannot see the world the same.
Christine Schlonski [10:22]
Hmm. Yeah, I just love that when you understand that there's something bigger than yourself.
Dov Baron [10:30]
And that's what we all want.
I mean, when we look at millennials, and they say, what are the number one thing they want from their work? They want meaningful work? Well, what does that mean? It means they want to be part of something that is bigger than themselves. Good for them, it's one of the things I love about millennials. When people complain about millennials, shut up, Millennials are awesome. Millennials are fantastic because they actually understand that life has to have meaning because they got rid of this nonsense, that there's a professional self and a personal self. No, there's not, if there is you're a big fat fraud. That's all there is to it. The truth of the matter is, there's you. You can either use what you have and bring that to your sales or you can deny what you have. Then you're a big fat fraud, and people will see through you. Particularly if they are under the age of 39 years old, which is the upper age of a millennial. If they're over that age, you might stand a better chance. But if you're dealing with anybody between 19 and 39, they are going to see through your bul***** so quickly. It's one of the things I love about millennials, they have bul***** detectors. They know when you're fake. You might as well just show up. In a sales line, for instance, one of the things I would do if you're selling to millennials, and you'll nervous. Here's my, let me give you a one-piece, one jewel for your sales line. Are you ready? You're selling to millennials, and you go, "I'm really nervous about selling to these millennials, they are tech people and they know what they're doing and they're very insightful, blah, blah, blah. I'm kind of really nervous about it." I said, "Okay, here's my best sales line to them", and they go, "What is it?" "Are you ready? You need to write it down." "Okay". "Hi, I'm really nervous about talking to you." They go, "Why are you nervous?" "No, no, no, that's not what I'm saying to you. That's what you need to say to a millennial." And they go, "Oh, why would I do that?" Because they appreciate vulnerability. They want authenticity, they like real. If you show up with all the puff, and puffed out chest and pretending that you know it all they will see through you like glass, just own the truth. They'll go, they will become compassionate immediately and go, "Oh, let me help you out." By being vulnerable, you are actually asking for help. When you ask for help. People are naturally good. That's the wonderful thing about people, generally speaking, people are good and they want to help you out. If they don't, well, then you probably don't know do business in America, because they're kind of d***** . You want to do business with good people. Just show up and go, "You know what? I'm kind of fumbling my way through here. Would you be willing to help me?" When I teach people to be speakers, one of the first things I say is, "If you're the person who gets really nervous on stage, I've been speaking 35 years." Very often, not all the time but very often I walk out on stage and just go, "Need a moment here", and there's look at the audience and I go, "Do you want to know why I need a moment? Because after 35 years, I still get nervous." Immediately the audience's [sigh]. They relax. Okay, as opposed to putting all their expectations on me, then do I knock it out of the park? Absolutely, every time, but it's the ownership, the vulnerability, the authenticity that people connect to. In sales, this is what we all have to understand. That's what people connect to. They connect to the vulnerability, to the authenticity, not to your bul***** sales line. They don't care about that. "Oh, well, you know, why don't you just hold it and see how it feels." We've all done the puppy dog sale. We all know that line, right? We've all got the sales techniques. I know. I used to teach them in the late 90s. But nobody cares anymore. We care about his people. So show up as a human being. That's your best selling feature.
Yeah, like be really interested in creating a relationship.
That's it. It's that simple. That's what people, this what people get over complicated with it. Don't be somebody else, be yourself. You may have noticed, as you're listening to this that I swore, "Oh my goodness", I don't swear for effect. People are now swearing because they heard Gary Vaynerchuk swearing, and the thing is that it's the cool thing to do. I don't swear, because of Gary V. I've always sworn. It's part of who I am. Don't start swearing, if it's not who you are. But don't be not who you are, if you like just for you. Because then people get to assess you. Your job is to — So let me just tell you about sales simply. It's the same in leadership, your job is to get people off the fence, that's it. Meaning, I don't like you. There are people watching, listen to this, "I really don't like this Dob Baron guy." Fantastic. Turn it off. Come back to the next show. Christine has marvelous guests. You'll love the next one or the last one. Go listen to Anne, go listen to Bob, go listen to Mark, you might love them. That's great. Maybe I'm not for everybody. I get that. That's okay. Maybe I've rattled your cage. That's okay. Many people who don't like me initially fall in love with me later, because they realize it was their own stuff that was annoying. I'm not here to persuade you to like me or dislike me, but I am going to be me. The best sales feature you have is to be you. Not something you think you should be. People say, "Be yourself", and it's such a nonsense cliche. Because most of us, this is why I said the beginning, "You can't lead others until you lead yourself." So what does that mean? It means you got to do that work. So when people say, "Be yourself", that's the best sales line you've got. Yeah, but, "Who am I?", is the question. You can't do that until you look into that dark place until you look at those things you've not been willing to look at. But when you do that, you find amazing diamonds. In fact, I will give you a clue. The thing you're most terrified to say is the best thing you could say. There's a person behind you as we speak on the shelf there with a cover, Anne. I taught Anne on how to be a speaker and she stood in front of the audience as we were training her and I said, "Tell the truth", and she just stood there with a microphone shaking in her hand, tears flooding down her face because she'd never told the truth. She may have even told you this on the show. She eventually just told the truth and everybody was like, "Wow." That's how she now leads and coaches and does what she does. You have to come to that. It's not about the right words, the right sentence, the right sales pitch. It is about being you in the most authentic, raw, and sometimes unlikeable to some people. Your job is to get them off the fence.
Yeah, by the way, was the beautiful episode was Anne on episode 042 and 043. If you want to tune in. What I would love to know, where or how did you find out that it was okay to be you and it was okay that others weren't okay with it?
By accident, not because I was a genius. But because I was a numbnuts. Many, many years ago, before I started speaking, I owned businesses in three continents. I have a business in Australia, and one of my clients in that business owns the national menswear company. He was a good friend of mine, and he would come in and we would chat. We have this wonderful philosophical conversation. One day he came in. Now, remember, this is 1984. He came in and he said, "I want you to come to speak to my national managers, sales managers." I'm like, "Speak about what?" Like I had never spoken. He's like, "You can speak about whatever you want." I'm like, "Steve, I'm not a speaker." He talked me into it and I said, "How long do I have to talk for?" He goes, "An hour", and I was like, "Whoa, no." He finally talked me into 20 minutes or half an hour, something like that. Honestly, I was so nervous about doing this, hours of warm-up. But it was like, then in those days, it was terrifying as an idea. I didn't know what I was supposed to talk about. He said I could speak about anything I wanted. I said, "Okay", and he said, "But I have one condition." Now again, this is 1985. Now what you should know is Steve on the national menswear company, he used to make my bespoke suits. I used to wear these beautiful 80's suits, and he would make them for me, but when I wasn't in those suits, I was dressing very casual, very casual. I've been a bodybuilder since I was 19. So at that point, I'm five years, six years into bodybuilding. When you're in your early 20s, and you're a bodybuilder, it's important that everybody knows. I wore T-shirts that were way too small and tight ripped jeans, my muscles are bulging everywhere because I was in my 20s. In those days, my head was down to my chest, and my hair's naturally black and ringlet curls. I've got this big bushy ringlet curls hair, earrings that you can swing parrots off with those big loops. My head wasn't even in a ponytail on that day. He's there and I'm in ripped. I mean, a tight t-shirt, ripped jeans, my big earrings on my hair's wild. He says, "The only, only thing I want from you is that you turn up looking exactly like this." I go, "What do you mean?" He goes, "That's my only condition. You must look exactly as you are today." I go, "Well, can I put my hair in a ponytail?" He goes, "No." I go, "Can I wear one of my suits. You make my suits." He goes, "No, I want you to look just like this. That's my only condition." I'm like, "This is crazy. Okay, fine." So I arrived at the meeting as scheduled. I put my head in the door. It's a long boardroom. All the managers sitting down, there's a long boardroom and they're in 80's suits, their buttoned uptight. They all look like Gordon Gekko from Wall Street. This wild man puts these head in the door with the crazy hair and the big earrings. They're all like this, they're looking at me while Steve is front talking. They're all like this. They're all nodding their head to the side as if to say, "Get out. We call it England, the bugger off the node. Bugger off, you're in the wrong place." But I just smiled and waited. Then Steve said, "Please welcome our speaker, Dov Baron", and I came out and clunk the jaws, all hit the desk and they're looking at me. This is the early 80s in Australia when there was a lot of issues with racism, particularly around the native Australians, the Aboriginal people. I said, "Put your hand up if you're racist. Come on, put your hand up if you're racist." Of course, nobody put their hand up. I said, "Okay, fair enough. Put your hand up if you were judged somebody by the color of their skin, or the way they would look in any way, shape, or form", nobody put the hand up. I leaned in and I said, "You're a bunch of freakin liars. Every single one of you decided who I was and the value I had and you judge me, by the way I looked. You decided how intelligent I was, how much money I had, and whether I was your customer, and you are dead wrong. See, the reason I'm here is because Steve is my client, and I'm your client. Steve makes my suits. And he was smart enough to see me. Outside of the way I look today." I looked over at Steve and honestly, I thought about the shift I made a terrible mistake. I didn't because I didn't know what I was doing. I looked over Steve and he's got a big grin. Because he obviously was much smarter than me and he understood. He was delighted with what I'd said. I was completely totally and absolutely authentic and it worked. Now, if the story ended there, I would be a hero. But I'm not a hero. I'm a schmuck. What I mean by that is this, about, still, Steve came and told me was delighted. It was fantastic. About two, three weeks later, he came back to me, he said, "Alistair would like you to speak for his company." Alistair owns a national clothing company as well. A different kind, but you know, he said, "He'd let you speak to." I was like, "Oh, now I got the budget. I'm in. Okay, yeah, I'll do it. No problem." But I don't know anything about speaking. So what I do, I go in and research, I look at speakers. I see Zig Ziegler and Jim Rohn and all the old school speaker. They all wear a uniform, the uniform is blue suit, white shirt, red tie, black paint and leather shoes, and short hair, clean-shaven or a mustache. What do I do? I got a blue suit, white shirt, red tie, Peyton leather shoes, cut my hair off and have this ugly ass mustache that looks like a small animal is dyed on my top lip, horrible. Horrible that I could show you pictures of me. I looked older than I do now. It was a terrible picture. I looked so bad. I went and delivered the same presentation for Alistair and died. Because I was completely new and authentic. But you know, being a bit thick, it only took me about four years to work out what was wrong.
Our guest four.
Only four years. So by the way, if you're thinking, "Oh, you keep screwing it up", just take it from me, it's not a big deal, keep going. It took me about four years to work out what it was, it was that simple. But I gave up my authenticity. This is the thing we have to understand. Your best selling feature is your authenticity, don't change it, recognize it. There is beauty in you, magnificent you. Here's what I want you to know from me, this is my message to you.
You are never broken, you've never been broken. You are a magnificent diamond, you may have been covered in a ton of crap. But that's not who you are. Beneath that is the diamond of who you are. And that is what attracts people, that is what people are pulled to. Your job, as I said in the self-knowledge journey is to push away the crap and reveal the diamond. And you might believe the crap because it's so thick and so heavy. And it's been laid on by your mom and your dad and your siblings and your friends and your teachers and whoever else it was. But your job is to not believe that, your job is to know there's a diamond in there and keep washing off the crap. And some days you'll wash it off and people keep pouring more. You just keep washing off and remembering you don't. Because that diamond is what will attract the right people to, with elegance and ease.
Love it. What a beautiful finish of the second episode. Thank you so much stuff, Dov. So you have an amazing gift for the listeners, they actually get a book and talked about videos that is on your site https://fullmontyleadership.com/gift.
Can you just sum that up real quick, so people know what to expect when they hop over there?
Sure, just as you said, just go over to https://fullmontyleadership.com/gift. When you get there, you'll have actually several choices we've made available to you. You can get some of my ebooks that I've made available to you for instant download, One Red Thread, which is helping you find your purpose. Purpose's Missing Piece, How to Create a Purpose-Driven Organization and Authentic Leadership in Action. Also, I think we're going to give you access to one of my e-courses called Authentic Leadership in Action. All those are there. Of course, if you click around the site, you'll find my podcast you'll find our videos, you'll find over 600 articles on that and a bunch of really great resources all available to you. If you would like to invite me to come to speak or work with your organization, you can find out how to do that by going to consulting or speaking pages. If there's any way I can serve you let me know, here's what I want you to know before we finish. Christine takes the time to find amazing guests for you. And listen, I have a podcast, had one for 11 years, I know the amount of work, the time, the energy, the effort that goes into this. And you might be thinking, "Oh, this is just a casual thing you listened to on the side." Number one, don't casual listen to on the side, take notes, pay attention and use what we've given you. That's number one. Number two, we don't get paid to do this. I don't get paid my hourly fee, and Christine doesn't get paid her hourly fee. So what you need to do is you need to go on to iTunes, rate review, subscribe to the show and share it with other people. Because this is one of the ways that we know we're doing a good job and it's having an impact on you. Secondly, I want you to write to Christine and tell him what you got out of the show. You can also CC me, I'm going to give you my personal email address. It's dov@dovbaron.com. Write to Christine, write to me, CC us. Tell us what you got out of this show. Tell us what you're going to do with it. That's more important. If there's some way that I can be of service to you, someway I can help you, something you want to know from me, you can you can write to me that same address, I'm happy to answer you, I'm on the planet to serve, let us help you and by the way, if you're trying to do it on your own, you're dead in the water. Let's just fast track your entire learning curve by hiring somebody who has been there, done that and can take all the loops out of it. This is what you need to do. So write to Christine, write to me. Tell us what you got out of it, go to iTunes rate review, and subscribe to the show. And please go, get your gift at https://fullmontyleadership.com/gift
Awesome. Thank you so, so much, Dov. I enjoyed this, these episodes so much. And you're right, stop just dreaming, act now, as I always finish off my blogs, because it's all about taking action, to make the things happen that you want in your life, you need to take it one step at a time.
Absolutely. Thank you for having me.
Thank you for these amazing interviews, for all the beautiful work you do in the world. And it was a delight to speak to you.
Thank you It was an honor.
I just love the energy, Dov, is bringing to the table and how he is talking about the truth. And he's getting right to the point. So I hope you really enjoyed these two episodes with Dov. Make sure you hop on over tohttps://christineschlonski.com/ and find the podcast tab. There you will find the transcripts, the show notes, the three key points to each and every episode and also the resources we are talking about and sharing here. As well as all the links you need to connect to the speakers on social media. So Dov is just a click away. Once you hop on over to https://christineschlonski.com/ and find the podcast tab. And while you're over there, make sure you get your anniversary issue that is all the 100 first episodes of Heart Sells! Podcasts, including the titles, the guests and the three key points so that when you are looking for certain topic, you can take it as you literally directory and you can have inspiration, motivation, or you know when you have one of these days where you don't want to touch the telephone because it looks scary. just dive in into the anniversary issue. Find a speaker of your choice, and tune into their episode and be inspired and uplifted. Thank you so much for listening to Heart Sells! Podcast. Please subscribe, share, review, and have fun and I'm looking forward for you to tune in to the next episode. Have a wonderful day wherever you are in this beautiful world and I'm saying bye for now.
Where to find Dov Baron on Social Media:
www.fullmontyleadership.com
https://www.facebook.com/DovBaronLeadership
https://www.instagram.com/dovbaronleadership/
https://twitter.com/TheDovBaron
https://www.linkedin.com/in/dovbaron/
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Heart Sells! Resources:
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redpajama_set_name: RedPajamaCommonCrawl


text:
VIDEO: 86 Rabbis, Jewish Activists Arrested Demanding DREAM Act in Congress
By: Latino Rebels
Editor's Note: On Wednesday evening, Latino Rebels received the following media release:
Washington, DC – Today, in one of the largest Jewish-led acts of civil disobedience on the U.S. Capitol grounds in a generation, 86 rabbis and other Jewish activists led by Bend the Arc Jewish Action were arrested while demanding that Congress include a clean DREAM Act in the government funding bill. More than 100 people came from around the country to occupy the rotunda of the Russell Senate Office Building until most were forcibly removed by Capitol Police.
The civil disobedience was part of coalition efforts to demand passage of the DREAM Act, which will protect young undocumented immigrants from deportation. It coincided with the Sabbath reading of Exodus, when Moses demands, "Let my people go." Bend the Arc Jewish Action grassroots volunteers joined leaders and volunteers from 17 other Jewish organizations, including the Anti-Defamation League (ADL), and the Religious Action Center of Reform Judaism (RAC) to chant, "Let my people STAY."
Bend the Arc Jewish Action CEO Stosh Cotler, who was among those arrested, said: "The Trump Administration's treatment of immigrants in this country has proven to be inhumane, immoral and intolerable. Through his actions and words, Trump has made clear that his policies are rooted in base racism. Today, we came from all across the country to demonstrate what a policy rooted in love could look like. Fighting alongside Dreamers, and putting our own bodies on the line for them, is an expression of our deepest Jewish values. Congress must heed the will of the people and pass a clean Dream Act now."
Religious Action Center of Reform Judaism's Director, Rabbi Jonah Dov Pesner, who was also among those arrested, said: "We demand that Congress act immediately to ensure that the Dreamers have a secure future in the United States. This is no time for business as usual. In the Torah, we are called 36 different ways to love the stranger, the orphan, and the widow. We insist that Dreamers be recognized as the Americans that they are."
ADL CEO and National Director Jonathan Greenblatt said: "As the Jewish community intimately understands, at its best, the United States has been a beacon of hope for refugees and immigrants around the world facing persecution or seeking a better life for themselves and their families. Congress must act immediately to ensure nothing less. A clean Dream Act is a moral imperative for the heart and soul of our nation."
Along with the ADL and the RAC, other Jewish organizations co-sponsoring the event included the Union for Reform Judaism, Carolina Jews for Justice, Congregation Beit Simchat Torah, HIAS, Jewish Community Action, Jewish Council on Urban Affairs, Jews for Racial Economic Justice, Jewish Labor Committee, Jewish Multiracial Network, Jews United for Justice, National Council of Jewish Women, Reconstructionist Rabbinical Association, Reconstructionist Rabbinical College/Jewish Reconstructionist Communities, T'ruah, and Uri L'Tzedek. Also supporting the action were immigrant-led movement organizations such as the Fair Immigration Reform Movement of the Center for Community Change, United We Dream, and CASA.
Participants came from California, Illinois, Georgia, Pennsylvania, New Hampshire, New Jersey, New York, North Carolina, Maryland, Massachusetts, Ohio, Virginia, Utah, Wisconsin and Washington DC. They were joined by a group of Dreamers prior to the arrests. Participants posted during the protests at facebook.com/pg/jewishaction.us/ and on Twitter with #LetMyPeopleStay.
The protest escalated Bend the Arc Jewish Action's ongoing efforts to protect DREAMers and defend immigrants, including organizing thousands of phone calls from Jewish constituents to their members of Congress in recent weeks.
Alma Couverthie, Deputy Field Director of Immigration for CCCAction, one of the immigrant-led organizations supporting the action said: "Congress must do its job. The country is watching—and our movement is fired up. To the legislators who think they can continue to delay passing the DREAM Act our message is clear: keep Virginia and Alabama in your minds, because we are organizing. We are watching and we are organizing and we will make sure that we continue to knock on doors and educate and mobilize our communities so that when our people go to the polls, they will know who was with us and who was against us."
Rabbi Elyse Wechterman, Executive Director, Reconstructionist Rabbinical Association, who was among the arrestees, said: "As Jews, we know the 'heart of the stranger.' How can we stand idly by while people who have lived among us, built homes, families and careers, are carted off as if they were not part of our human family? Just as Moses demanded of Pharaoh to 'Let our people go' from enslavement to freedom, we are here today demanding, 'Let our people stay' to live their lives in freedom in our country."
Rabbi Deborah Waxman, president of the Reconstructionist Rabbinical College/Jewish Reconstructionist Communities (RRC/JRC), said: "We join all people of conscience to resist in solidarity with DREAMers and all of our undocumented neighbors. As Jews, we are compelled to welcome the stranger, and to remember that we were also strangers — not only in Egypt but at many times throughout our history. As Reconstructionists, we know that the Jewish community thrives when we stand with dispossessed peoples whose stories echo as our own."
Congregation Beit Simchat Torah Senior Rabbi Sharon Kleinbaum, who was among the arrestees, said: "I am outraged by the despicable racism and vulgarity of the current government. "Never Again" must mean never again for anyone. As a lesbian, a Jew, and a Rabbi – I am proud to stand with the Dreamers and all immigrants."
Rabbi Dr. Shmuly Yanklowitz, Founder & President, Uri L'Tzedek: Orthodox Social Justice, said: "Uri L'Tzedek, the Orthodox Social Justice movement, is very proud to join with many partners across the denominations and traditions to stand up for the rights of those who are left vulnerable by a tangled, cynical, and fear-inducing political regime. Throughout the millennia, the Jewish conscience has always stirred to the great pursuit of unfettered justice for the downtrodden and the immigrant. While hardened hearts may affect the status quo of Washington's political elite, it does not trickle down to the people. Today, with that same spirit that called out to our ancestors, we are proud to stand in the great halls of American power echoing the call of our sages and prophets: 'Let our people… STAY!'"
Rabbi Jill Jacobs, Executive Director of T'ruah: The Rabbinic Call for Human Rights, said: "Our history demands that we stand with those targeted for dispossession: We well know the tragedy of being forced from home and country because of being considered 'other.' The Jewish community today would look very different if our neighbors had stood in solidarity with us in times of persecution. Insisting that 'they' are 'we,' today we stand with our communities who are facing deportation to say, 'Let my people stay.'"
Rabbi Elizabeth Richman, Deputy Director and Rabbi in Residence, Jews United for Justice, who was among the arrestees, said: "My family sought refuge in this country from violent mobs and state policies in Europe one hundred years ago. Today I am heartsick in their memory at this Administration's cruel and short-sighted policies. Dreamers are our neighbors, our colleagues, our friends, and a vital part of the communities in DC, Maryland, and Virginia where I live and work. The legacy of our own families' American Dreams propel me and my community to act today. Congress must act now to protect and welcome Dreamers the way this country welcomed our families a century ago."
Rabbi Barbara Pezner, co-chair of the New England chapter of the Jewish Labor Committtee and rabbi of Temple Hillel B'nai Torah in West Roxbury, MA, who was among the arrestees, said:
"As Jews we know the United States of America to be a wondrous place where people can build a better life. We are not a country that would abandon children or separate families. We must not become an America of steel or concrete walls and broken dreams –such an America insults the ideals of our parents and our grandparents. The Jewish community and the labor movement have a responsibility to defend Dreamers and their families as they pursue the American dream of a decent, safe and secure life."
Sam Singer, community organizer from Carolina Jews for Justice, who was among the arrestees, said: "We add our voices in protest against those who would seek to prevent Dreamers and other undocumented peoples from living alongside us. We as Jewish people remember our collective history as outsiders and stand firm against any Congressional act that seeks to counter that."
Nancy K Kaufman, CEO, National Council of Jewish Women, said: "The president must move swiftly to find a permanent solution for the Dreamers. This is a matter of morality and justice. And the majority of American voters, including almost three-quarters of Trump voters, support legislation allowing the Dreamers to remain in the U.S. permanently. The time is now to settle this matter once and for all."
Judy Levey, executive director at JCUA, said: "With almost half a million undocumented immigrants in Illinois, we cannot stand idly by as our immigrant siblings' and members of our own community's lives hang in the balance as Congress proposes band-aid measures without a path to citizenship. If America truly wants to live up to its ideals as a Promised Land for all, we must all stand together and say with one voice, "Let My People Stay!" We need the DREAM Act now!"
On DACA's 9th Anniversary, Immigrant Youth and…
Sens. Casey and Cardin Indicate Immigration Reform…
Will Immigration Reform Be a 'Pay-For' in Democrats'…


text:
package storage

import (
	"fmt"
	"io/ioutil"
	"os"
	"path/filepath"

	"github.com/tilezen/tapalcatl/pkg/state"
	"github.com/tilezen/tapalcatl/pkg/tile"
)

type FileStorage struct {
	baseDir     string
	layer       string
	healthcheck string
}

func NewFileStorage(baseDir string, layer, healthcheck string) *FileStorage {
	return &FileStorage{
		baseDir:     baseDir,
		layer:       layer,
		healthcheck: healthcheck,
	}
}

func respondWithPath(path string) (*StorageResponse, error) {
	bytes, err := ioutil.ReadFile(path)
	if err != nil {
		if os.IsNotExist(err) {
			resp := &StorageResponse{
				NotFound: true,
			}
			return resp, nil

		} else {
			return nil, err
		}
	} else {
		resp := &StorageResponse{
			Response: &SuccessfulResponse{
				Body: bytes,
			},
		}
		return resp, nil
	}
}

func (f *FileStorage) Fetch(t tile.TileCoord, c state.Condition, prefix string) (*StorageResponse, error) {
	tilepath := filepath.Join(f.baseDir, f.layer, filepath.FromSlash(t.FileName()))
	return respondWithPath(tilepath)
}

func (s *FileStorage) TileJson(f state.TileJsonFormat, c state.Condition, prefix string) (*StorageResponse, error) {
	dirpath := "tilejson"
	tileJsonExt := "json"
	filename := fmt.Sprintf("%s.%s", f.Name(), tileJsonExt)
	tilejsonPath := filepath.Join(s.baseDir, dirpath, filename)
	return respondWithPath(tilejsonPath)
}

func (s *FileStorage) HealthCheck() error {
	tilepath := filepath.Join(s.baseDir, s.healthcheck)
	f, err := os.Open(tilepath)
	if err != nil {
		err = f.Close()
	}
	return err
}

redpajama_set_name: RedPajamaGithub


text:
Une boîte Corsi-Rosenthal, également appelée cube Corsi-Rosenthal ou cube Comparetto, est un type de purificateur d'air à faire soi-même qui peut être construit à la maison pour une somme modique. Il a été conçu pendant la pandémie de COVID-19. Son usage est la réduction des niveaux de particules virales en suspension dans l'air dans les environnements intérieurs.

Contexte
Les unités de purification d'air avec filtration HEPA peuvent être coûteuses, souvent bien plus chères que  l'unité. En août 2020, Richard Corsi, ingénieur en environnement, évoque avec un journaliste de , , d'une idée qu'il avait de combiner plusieurs filtres achetés en magasin avec un ventilateur dans le but d'améliorer l'efficacité des conceptions de filtres à air, faits maison. Rogers a contacté Jim Rosenthal, PDG du fabricant de filtres , qui avait collaboré avec Corsi à l'Université du Texas et au chapitre texan de l', pour effectuer des tests sur un seul filtre à air attaché à un ventilateur.

Inspiré par l'idée de Corsi d'utiliser plusieurs filtres, Rosenthal a ensuite proposé une conception à cinq filtres qu'il baptise d'après Corsi. Corsi a par la suite tweeté que Rosenthal méritait vraiment d'être également crédité et qu'il préférait de ce fait le nom « Boîte Corsi-Rosenthal ».

Références

Voir aussi

Articles connexes

 Do it yourself

Liens externes

Lutte contre la pandémie de Covid-19
Bricolage
Pollution de l'air intérieur

redpajama_set_name: RedPajamaWikipedia


Organizations and enterprises face threat from fraud-related activities and violations due to the massive amount of data they store and use. The complexity in tracking and monitoring transactions increases as the size of the organization increases. Meanwhile, Fraudsters try and penetrate through the framework of organization for their own benefit. Counter measures to control such illegal activities are called Fraud Detection and Prevention.
The market, growing at a CAGR of 15.6% over the period of 2015-2020, is now taken over by innovations and new automated software in place of the traditional manual methods of tracking and monitoring trends in the data. These technological trends have given rise to a new breed of solutions including Big Data techniques of predictive analytics, customer analytics, and modern visualization tools. Additionally the authentication technology has also come a long way since the times of the SFA to the much stronger authentication of MFA.
Today, though the technology to track and monitor online activities has come to a stage of maturity, algorithms using Artificial Intelligence (AI) have to be designed and implemented for a complete and exhaustive monitoring to not only record these anomalous activities, but also identify the "false positives" and bring it down to an acceptable limit. Behavioural analytics is employed to understand customer behaviour and pick out the ones that show a deviation from the normal behaviour.
Substantial loopholes in the system can be attributed to the quality and the security of the Internal Controls. Most internal systems have control weaknesses, which if not addressed regularly, can lead to illegal entrants. This is where Big Data, Data Analytics and Predictive Analytics and Forecasting come into play.
The use of these Advanced analytics techniques is essential to test and validate and in turn strengthen these control systems since most primitive methods of committing frauds has been replaced by sophisticated techniques such as statistical modeling, simulation, Machine Learning techniques like Artificial Intelligence (AI) methods (Supervised and Unsupervised learning), Discovery in Databases (KDD), data mining etc. Most methods of data analysis are specific to a certain problem type or data type. The challenge in such cases is the selection of the appropriate sampling to choose the population and most fitting data analytics technique to solve the problem.
Several sophisticated software applications are being used to find the possibilities and the occurrences of these frauds with a function to create a robust and a dynamic mechanism to assess and detect frauds. Solutions in the sector provide a strong and a reliable defence to incidents violating the security of a framework. Tools and Techniques adopted range from Fraud Authentication, Fraud Analytics to GRC (Governance, Risk and Compliance), Reporting and Visualization to tackle both Internal and External Frauds.
Research suggests that 'Authentication' of profiles, transactions and users are the most popular sector in the domain and this trend will only continue in the next few years. The versatility of the services offered by FDP makes the technology applicable in domains even beyond the current scope of the application, such as Banking and Financial Services (BFSI), Healthcare, Retail and Consumer Purchases, Insurance, Logistics, Manufacturing and Production etc.
Market Leaders in the Fraud Detection and Prevention are CSC, SAS, IBM, SAS, SAP, FICO etc. Other prominent vendors in the segment are ACI Worldwide, Fiserv, ThreatMetrix, Experian and Alaric Systems, who have showed exceptional growth and innovation in the domain.


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CUSTOM SERVICE AND DESIGN Wood Floor Designs also offers a variety of custom services including: hand scraping and distressing, custom parquets, pattern floors, wood and metal inlays, end grain flooring, and an extensive array of finishes to match your wood flooring.


text:
How Watching the Cubs can Kill You–Literally
"Chicago Cubs fans are ninety percent scar tissue." So said George Will. But could it be even worse than that? Could it be that the Cubs can kill you?
Case in point. Let me take you back to the year 1984, now 25 years in the past. It was the Cubs first appearance in the post-season since 1945. And maybe, just maybe, we thought, the long-awaited World Championship was at hand, the laurel we'd last won in 1908.
If your name was Theresa Boucek, 1908 wasn't just something you'd read about. Indeed, Boucek, who had been born on October 7, 1882, could even recall the 1906 World Series between the Cubs and the White Sox. She'd been a famously attractive young woman back then, and was still comely enough to win a beauty contest at age 99! Of course, I'm not sure that she had much competition, but still, being the Arkansas Tri-County Nursing Home Queen must count for something.
That aside, lovely Theresa's life was unremarkable. Daughter of a tailor, Boucek lived on Chicago's West Side, and worked as a department store clerk and later, as a store detective. After marrying in 1906, she continued to work outside the home. Before moving to Arkansas in 1972 with her son Fred, she'd resided in Berwyn and Glenview. And all the while, Theresa Boucek was a life-long Cubs fan, suffering the "slings and arrows of outrageous (Cubs) fortune" known to many of us.
Fast forward to the 1984 playoffs: the Cubs vs. the San Diego Padres. Our boys won the first two games at Wrigley Field and needed only one victory in three possible tries in Southern California. But we lost the first two games in San Diego and were left with one final chance to make it to the World Series. And Theresa Boucek watched it all on her TV, watched in hope and watched in frustration, watched with her grandson Michael by her side, watched and prayed, as all Cubs fans do, for a final trip to the promised land and World Series glory.
Those of you with long memories will recall that the Cubs were actually leading in Game #5, and had their ace, Rick Sutcliffe on the mound. But Rick started to fade late in the game, and, as Michael Boucek recalled for the Chicago Sun Times, "as a matter of fact, (my grandmother) died during the game when Sutcliffe started to go downhill."
It was her 102nd birthday. A fitting payoff for a lifetime of devotion to her favorite team.
Is there a moral to this story? I guess my thoughts go to the legendary Steve Bartman, the man who (some think) cost the Cubs a trip to the World Series in 2003 by allegedly interfering with Moises Alou's attempt to catch a foul ball. I've always thought that this young man got a raw deal, that it was not Bartman but the men on the field who failed themselves and us.
But then, I guess the punishment suffered by Cubs fans is relative. The lifetime of shame suffered by Bartman might not be so bad after all.
Bartman, at least, unlike Therese Boucek, wasn't killed by the Cubs.
baseball, humor, psychology, psychotherapy, wisdom	1906, 1908, 1945, 1984, 2003, baseball, beauty contests, Chicago Cubs, Chicago White Sox, courage, Cubs fans, George Will, Moises Alou, National League Playoffs, Rick Sutcliffe, San Diego Padres, Steve Bartman, world series	0 Comments
Cubs and Sox Fans: Be Careful What You Wish For
Certain years ring bells for Cubs and Sox fans. For the South Siders, it's 2005 and before that, 1959.
Make a note of the year: 1959. I'll get back to it shortly.
For the Cubbie faithful, the remembered years cause pain: the twin failures of the last two, 2003, 1998, 1989, 1984 and too many others to mention. Years when the balloon of faith and hope got punctured in the playoffs by grim reality; years that brought tears and anger and much gnashing of teeth.
As Chicagoans know, but outsiders might not, you are not supposed to be able to be both a Cubs and a Sox fan. It is essential to make a choice, usually early in life; this is done by some combination of parental persuasion, family example, and geography. Most locals don't want to break faith with family tradition and root for a different team than their neighbors root for.
And so, not surprisingly, I was a Cubs fan. So was my dad, so was his dad, etc. And for most of the aforementioned lives, I and my recent ancestors have been living on the North Side of the city or in the northern suburbs. You've heard the story before, how you get imprinted on the team when your dad first takes you to see them in a tender moment of your youth. After that, no amount of pain inflicted by the ball club's failures can separate you from the attachment. Like certain wild animals, you have mated for life.
Thus it was in 1959, the year of the first White Sox pennant in 40 summers, that I discovered the meaning of the phrase "Be careful what you wish for."
I was a little boy, of course, but not so little that I didn't want the White Sox to fail. Like nearly all my friends, I hated the White Sox. It was something like a religious obligation, almost an 11th commandment: "Thou shalt hate the Chicago White Sox." Just as religion required me to honor my father and my mother, so did it ask that I root for the Cubbies only: "Thou shalt have no team before the Cubs."
My Uncle Sam was an exception to the family allegiance to the Cubs. He was my mother's brother, was raised on the South Side, and breathed the air of other Sox loyalists. He also had a friend who was a White Sox scout and minor league manager, Frank Parenti. Frank would get Sam tickets for some of the games and occasionally I got to see American League contests played in old Comiskey Park as a result. But that didn't mean that I had to like them or like the White Sox! No, I went out of curiosity, as a sort of scientific observer, and to see what the draw of the Sox was to my uncle; not to mention getting to watch Mickey Mantle, Yogi Berra, Ted Williams, and other American League greats close up.
Thanks to Mr. Parenti, both my uncle and my dad got to see the second game of the 1959 World Series. Back in those days, the games were all played in natural light, so school required that I miss seeing most of the weekday action on TV. But I was more than happy when the Sox returned to Chicago for the sixth game down 3 games to 2. Only one more loss and the World Series would be over! The sooner, the better, I felt.
I came home after school on the afternoon of the 6th game, October 8th, to find the White Sox down by a score of 8 to 3 in the 7th inning. It was clear to me, as it must have been to every other Chicago baseball fan, that the World Series was effectively over. The Sox had a relatively weak hitting team staffed by the likes of Luis Aparicio, Nelson Fox, Sherman Lollar, and Al Smith; and had won the American League Championship by dint of excellent pitching and defense, and a surprising off-year from the Yankees. The South Siders would have needed a miracle to reverse their fortunes. I was feeling good!
Along about the 8th inning, still 8-3, my mom strolled into the living room where I was parked in front of a large Muntz TV. "What's the score," she asked?
"Eight to three," I replied, "the World Series is pretty much over."
Then the words I have not forgotten, will never forget; more indelible than a tattoo on the heart they were about to break:
"Oh, that's too bad. Your dad had a World Series ticket for you tomorrow."
I don't have much recall after the trauma of those words. I think I started rooting feverishly for the White Sox, but I can't really remember any detail. All I know is that my life changed forever. I had learned a hard lesson.
As Oscar Wilde put it many years before: "There are only two tragedies in life: one is not getting what one wants; the other is getting it."
In the succeeding 50 years, I have yet to see a World Series game except on TV. And I have become that rare Chicago sports fan who hopes for the best for both the Cubs and the Sox.
I know, all too well, the danger of doing otherwise.
The above image is by Kalel2007, sourced from Wikimedia Commons.
baseball, humor, psychology, wisdom	1945, 1959, 1959 World Series, 1969, 1984, 1989, 1998, 2003, 2005, 2007, 2008, 2009, Al Smith, baseball, baseball playoff games, Chicago Cubs, Chicago White Sox, Luis Aparicio, Mickey Mantle, Nelson Fox, Oscar Wilde, pennant, Sherman Lollar, Ted Williams, world series, Yogi Berra	7 Comments


Lyn trained in Perth 25 years ago and has since worked at Children's Hospitals and Child Development Centres in both Australia and the U.K. She has worked in multi-disciplinary teams for children with a range of medical and developmental issues.
Lyn works with a range of young children including those with; language delay, glue ear, global developmental delay, apraxia, and other disabilities.
Lyn also enjoys blogging, resource development and reviewing children's toys and picture books. Her blog (BabyChatter.com.au) has a large number of worksheets, photographic images, toy and book recommendations and EBooks to help families who are supporting their children's language development. Lyn firmly believes that successful intervention includes having the right toys, books and (laminated!) resources available for families to use on a daily basis.
Lyn is a member of Speech Pathology Australia. She has been one of the Judges for the Speech Pathology Australia Book of the Year Award for the last few years.
Suite 1, 55 Hampden Rd, Nedlands 6009 WA. We are on the ground level with ramp access for prams.
Parking is available behind the building. One hour parking is also available on Park Rd. There are plenty of nearby cafes and a fenced park is located a few steps from the parking bays.
Lyn is also a provider for Better Start and HCWA funded clients.
Speech Bookshelf is our resource of recommended picture books for children with speech and language difficulties.


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Home Tags Oklahoma
Oklahoma Senate Passes Constitutional Carry Bill
Jay Syrmopoulos - May 9, 2018
Oklahoma City, OK – The Oklahoma Senate passed concealed carry, or "constitutional carry," legislation that would allow Oklahoma residents who are 21 and older,...
Supreme Court Refuses to Hear Neighboring States' Suit Against Colorado Pot...
Barry Donegan - Mar 21, 2016
The Supreme Court announced on Monday that it will not hear a lawsuit filed by the states of Nebraska and Oklahoma that claims that Colorado's recreational...
Libertarian Party Obtains Ballot Access in Okla. for First Time Since...
The Libertarian Party just scored a major victory in its quest to fulfill candidate Gary Johnson's promise that the party will be on the ballot...
Audit Reveals Oklahoma State Officials Using Seized Property, Funds For Personal...
Oklahoma state audits from 2009 to 2014 have revealed that while some property and funds seized by law enforcement agencies have gone missing, others...
Oklahoma Judge Dismisses Lawsuit Alleging Saudi Involvement in 9/11 Attacks
Derrick Broze - Jul 7, 2015
Last week Zacarias Moussaoui had a lawsuit thrown out by U.S. District Judge Vicki Miles-Lagrange because of a filing error. The Oklahoman reports that...
OK GOP Governor Signs Bill Making Third-Party Ballot Access Easier
Barry Donegan - May 14, 2015
"Today marks an important milestone in Oklahoma history — a day in which the state Legislature and governor not only acknowledged the harmful nature...
Oklahoma University Expels 2 Students for Leading Fraternity's Racist Chant
Rachel Blevins - Mar 11, 2015
Following the circulation of a viral video that showed members of the Oklahoma University chapter of Sigma Alpha Epsilon (SAE) singing a racist chant,...
'Right to Try' bill in Oklahoma moves forward
Zach McAuliffe - Feb 26, 2015
Legislation has been approved by the Oklahoma House committee which would allow terminally ill patients to have access to experimental medications which are not...
Supreme Court refuses to act on same-sex marriage issue
Zach McAuliffe - Oct 6, 2014
While more people are showing support for same-sex marriage, the Supreme Court made the decision Monday to not get involved with any appeals court...
Charges for Oklahoma beheading suspect emerge as details come to light
Zach McAuliffe - Sep 29, 2014
Days after Alton Nolen attacked two women after losing his job, murder charges are expected to be filed against him on Monday. Nolen lost his...
Appeals court wants execution drug details before lethal injection
Zach McAuliffe - Jul 21, 2014
An execution in Arizona has been put on hold by a federal appeals court after the court said the man sentenced to death has...
Oklahoma Company Markets Bulletproof Blanket For Childrens' Use In School Shootings
Annabelle Bamforth - Jun 10, 2014
Oklahoma company ProTecht has developed a new and unique type of body armor for kids called the Bulletproof Blanket. The blanket resembles a gym...
Oklahoma Senate Passes Solar Panel Surcharge
Annabelle Bamforth - Apr 22, 2014
Oklahoma City, OK, April 22, 2014- Some Oklahoma residents who install solar panels or wind turbines on their property in the future are likely...
Breaking: Oklahoma legislators pass bill legalizing gold and silver tender: Nullify...
Michael Lotfi - Mar 11, 2014
OKLAHOMA CITY, March 11, 2014– On Monday the Oklahoma State Senate passed a bill that would legalize gold and silver as legal tender, moving...
BREAKING: Oklahoma legislators vote to nullify Agenda 21
Michael Lotfi - Mar 4, 2014
OKLAHOMA CITY, Mar. 4, 2014 – A bill that would nullify Agenda 21 in Oklahoma passed through the state house today. "This bill protects your...
Can the EPA be nullified? Oklahoma is leading the charge
Michael Lotfi - Jan 8, 2014
Oklahoma legislators have turned to nullification pursuant under the Ninth and Tenth Amendments of the United States Constitution in an attempt to fight back...
INDIANA TAKING OBAMACARE BACK TO THE SUPREME COURT
Michael Lotfi - Oct 9, 2013
If a group of Indiana school districts have their way Obamacare will be heading back to the Supreme Court. According to a local Indiana...
Obamacare Might Be Heading Back To The Supreme Court: Unconstitutional
Michael Lotfi - Aug 19, 2013
A little known secret about the President's healthcare agenda began leaking a few months ago. The mainstream media has completely abandoned the issue, until recently. However,...


Méthode du remplacement moléculaire (Fr). Molekularer Ersatz (Ge). Metodo della sostituzione molecolare (It). 分子置換法 (Ja). Reemplazamiento molecular (Sp).
An approach to solving the phase problem by concentrating on phase relationships that arise through X-ray diffraction from similar molecular components. The components can be molecular fragments related through noncrystallographic symmetry (e.g. icosahedral subunits of a virus) or a similar molecule such as a homologous protein with high sequence identity.
The technique is most commonly used in biological crystallography. Typically, an attempt is made to fit the structure under investigation (the 'target' structure) to a previously solved ('probe') structure. The probe may be a different crystal form of the same protein; or it may be a different protein with a high level of sequence identity, which correlates well with structural resemblance. As a rule of thumb, molecular replacement is often straightforward if the probe is well characterised and shares at least 40% sequence identity with the target.
Figure 1. Illustration of the rotation and translation functions applied to superpose a probe and target structure in molecular replacement.
Figure 1 illustrates schematically the process of repositioning the probe structure (the solid motif) in the new unit cell to coincide with the target structure (red outline motif). Rotation and transformation matrices must be applied. Patterson methods are suitable for determining the rotation function R, since intramolecular vectors are all shifted to the origin of a Patterson map. The orientational fit (i.e. the quality of the calculated rotation function) has usually been assessed by monitoring R factors or real-space correlation coefficients. Increasingly, modern programs use maximum likelihood based algorthms.
The translation function T is then determined to shift the now correctly orientated probe model to the correct coordinates within the asymmetric unit. Space-group symmetries can be used to help reduce the computationally intense calculations required.
Early applications of the technique concentrated on large virus structures with icosahedral symmetry. [Rossmann, M. G. & Blow, D. M. (1962). Acta Cryst. 15, 24–31. The detection of sub-units within the crystallographic asymmetric unit.] In the 1960s the early development of the molecular replacement technique was aimed primarily at ab initio phase determination. It was only in the 1970s, when more structures became available, that it was possible to use the technique to solve homologous structures with suitable search models.
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Reptile Rampage, this Sunday, March 1oth, is a unique opportunity to get up close and personal to a huge menagerie of animals of the scaly, slimy, and creepy crawly variety! I believe that you won't find them so creepy after spending some quality time with them. Meet with experts and animal caregivers who offer deeper insight into the lives of these spectacular animals.
Hosted by the Wildlife Discovery Center in Lake Forest this is a can't miss event for little reptile lovers. Reptile Rampage is the Wildlife Discovery Center's annual spring fundraiser. Proceeds help support the work of the WDC, including the care of its animals, wildlife and environmental educational programming. This gigantic education-only reptile show is a great opportunity for the whole family to spend the day getting up close and personal with some amazing and unique reptiles.
Animal lovers of all ages can see a lizards, turtles, and even a rattlesnake collection! Learn about "Bubba" their American Alligator, and get all of your questions answered about these interesting animals from knowledgeable reptile enthusiasts and experts. Kids will love the arts and crafts, and fun activities that they have planned for the day so don't miss this event!
Loralie has visited Reptile Rampage, and she's says it's not to be missed! She points out that this is a popular event, so arrive early and leave the strollers at home.
This event is a must-do for any animal-loving family, particularly those with a fascination for reptiles. It is a wonderful educational opportunity and you'll walk away with some pretty fabulous photos to post on your Instagram.
Amazing photo booth featuring the WDC menagerie!
Head on out to Lake Forest for a wild time, and support The Wildlife Discovery Center's education and conservation efforts while you're at it.
Has your family visited The Wildlife Discovery Center? What is your family's favorite reptile?


According Fox 2 Detroit, the man is in critical condition after suffering numerous gunshots wounds to his body on Sunday evening. Around 5:22 p.m. three to four gunshots were heard and reported in the 10600 block of Wayburn on Detroit's east side. The gunshot victim attempted to drive himself to the hospital but, he crashed into a parked car. EMS arrived on scene and the victim was taken to a local hospital.


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A Weekend of Tall Tales, Myths and Legends at the Shoals Storytelling Festival
Wednesday, March 27, 2019 by Alabama Mountain Lakes Tourist Association
Decatur, Ala. – Renowned storytellers will make their way to downtown Florence the third weekend in May to share tales and to celebrate the art of storytelling. The Shoals Storytelling Festival, along with its award-winning performers, is expected to draw storytelling fans from around the state and beyond to the historic Shoals Theatre May 17-18, 2019, with pre-festival events lined up for May 16.
Scheduled to appear at the Shoals Storytelling Festival are five-time champion of the West Virginia Liars' Contest Bil Lepp (https://www.leppstorytelling.com/), award-winning storyteller Donald Davis (http://www.ddavisstoryteller.com/), Teller-in-Residence at the International Storytelling Center Dolores Hydock (http://www.storypower.org/) and highly accomplished old-time, bluegrass and swing musician Josh Goforth (https://www.blueridgeheritage.com/artist/josh-goforth/). Additional performers include Gee's Bend Quilters (http://www.quiltsofgeesbend.com/); columnist, novelist and radio show host Sean Dietrich (Sean of the South) (https://seandietrich.com/); and Nashville-based indie-folk duet Firekid (https://www.facebook.com/firekidalabama/).
1 p.m. - Storytime with Gee's Bend Quilters (Mary Ann Pettway and China Pettway) at the Shoals Theatre (Immediately after, meet the quilters at the Gee's Bend Quilt Exhibition at Kennedy-Douglass Center for the Arts.)
4 p.m. - Performance by Josh Goforth at the Florence-Lauderdale Public Library
7 p.m. - Performance by storyteller Sean Dietrich (Sean of the South)
8:45 a.m. – 5 p.m. (with lunch break) The Shoals Storytelling Festival featuring: Donald Davis, Dolores Hydock, Bil Lepp, and Josh Goforth
7 p.m. - Storyteller Showcase with Donald Davis, Dolores Hydock, Bil Lepp, and Josh Goforth
7 p.m. - Performance with Firekid (Dillon Hodges and Heidi Feek)
Day passes are $30. A two-day pass for Friday and Saturday is $50 and a three-day pass for $70 includes Thursday, Friday, and Saturday events. Tickets may be purchased online at https://www.theshoalstheatre.org/eventscalendar.
For more information, visit http://www.shoalsstorytelling.com.
AMLA is a nonprofit organization dedicated to the promotion and development of the travel industry within the 16 northernmost counties of the state. It is supported by 500-plus members consisting of chambers of commerce, Convention & Visitors Bureaus, attractions, campgrounds, festivals, communities, counties, golf courses, restaurants, tour operators, accommodations, vendors, financial institutions and individuals. Counties included within the AMLA region are Blount, Cherokee, Colbert, Cullman, DeKalb, Etowah, Franklin, Jackson, Lauderdale, Lawrence, Limestone, Madison, Marion, Marshall, Morgan and Winston. Additional information on North Alabama destinations, accommodations and special events is available by calling 800.648.5381 or by visiting www.NorthAlabama.org.


What is it and how can it benefit your business.
VoIP is rapidly replacing traditional telephony. It is a much superior communication technology compared to traditional telephone lines and offers many technical and cost advantages that simply cannot be ignored.
This articles gives you a complete overview of VoIP covering how it works, key features, benefits, types of systems and important technological considerations.
Samsung Communications Manager is an all-in-one pure IP based communications solution featuring the latest advancements in VoIP technology.
Voice over IP is a technology that takes a stream of voice traffic, chops it up, and puts it into Internet Protocol (IP) packets.
The old way of carrying voice is to setup a dedicated path between phones for every call, also known as circuit switching. Think of your standard telephone at home – it has a dedicated pair of copper wires for each voice call, but when you use the Internet you can have many applications sharing the broadband service at the same time – web browsing, file sharing, listening to music, sending emails, and etc.
VoIP turns telephony into just another application that uses the data network and removes the need for dedicated network connections and hardware. In your office the LAN already carries many applications through the LAN cables or through the Wi-Fi service and you can use that same infrastructure for VoIP.
To understand VoIP you need to know what the "IP" in "VoIP" means. IP is the acronym for the Internet Protocol, which is used by computers to communicate through local data networks and the Internet.
The great benefit of IP is its ability to carry many different types of data on a common link; it does this by first putting data into a packet and attaching the required destination address to the packet.
This enables data switching equipment to sort through streams of packets and re-direct every one of them to their destination. So, in effect, IP eliminates the need for a dedicated path between a sending device and a receiving device.
VoIP business phones have all of the features of digital desk phones used in traditional circuit switched telephone systems, but they use an IP network instead of a dedicated circuit.
As they use IP networks with high speeds and direct connections to other IP capable devices, they can incorporate many more features as well.
Traditional circuit based phone systems have provided very reliable service for many years, but the main issue with traditional telephone systems is that every phone and carrier connection requires a dedicated hardware port.
This means that all of the endpoints, from desk phones to telephone exchanges, require physical interfaces and cabling. In addition, circuit based phone systems contain dedicated custom built hardware increasing the cost to purchase, install and maintain them.
Using IP for phones gives more than just Voice over IP; it also allows other types of media to be transported between them such as Video over IP.
Video is difficult to provide through traditional voice type circuits and has low image quality, but the high bandwidth of data networks easily supports the demands of good quality video.
VoIP desk phones reduce the need for costly and time consuming changes to the building cabling.
A traditional circuit switched telephone system must have a pair of wires between its inbuilt ports and the desk phones, and each port is dedicated to an individual user. So, when a phone gets moved, the building wiring must also be changed to provide connection to the new location, and this typically requires a technician to come to site and make changes.
The flexibility of VoIP means that the phone is just another device in the network, so all the user needs to do is unplug the desk phone from the old location and move it into available LAN socket at the new location and join the network – no other work is required.
And, in addition, some VoIP business phones have the ability for a PC to be connected through them. This means that only a single cable is needed for both the PC and VoIP phone, which substantially reduces the cost of building cabling.
VoIP allows phones to link to computing systems to add features.
Unified Communication (UC) technology provides a suite of applications that integrate the operation of the VoIP business phone with computers. UC is used to improve user access to information about people calling them and to simplify and speed up finding contact details of those they wish to contact.
A VoIP phone can also be a software application on a data enabled device, such as a smartphone, PC or tablet.
This enables it to be combined within these devices with advanced call handling features to create many new and innovative applications.
When VoIP is used remote desk phones can be anywhere in the world that an IP network can reach.
In the past it could be very expensive to have a remote desk phone linked to a phone system at another site. This is because they needed be linked using special types of switched circuits, or use telephone ports that could operate over long ranges.
A properly secured VoIP link with encrypted voice traffic is reasonably easy to build.
In stark contrast, encrypting voice on legacy circuit switched links requires specialised hardware that is not easy to obtain, install, or use. In fact, when using VoIP it is possible to completely hide phone calls in a Virtual Private Network (VPN), so intruders may not even know that a voice call exists.
Pure VoIP phone systems transport all voice traffic through VoIP.
This allows them to support a very large number of endpoints without having to allocate a dedicated hardware port for each one.
The capacity of pure VoIP systems can be very high for a very small amount of rack space, and they are also easy to expand to allow more phones to be connected.
As traditional voice services have not gone away, consider fax machines, PSTN and ISDN trunks, business grade pure VoIP systems can be equipped with hardware modules that make the conversion between these older type phone services and VoIP.
Hybrid phone systems combine VoIP technology and legacy switching in the same device.
Existing legacy voice technology cannot be ignored; this is because many of the existing telephone trunk services provided by the major carriers still use dedicated physical links – think of analog PSTN (Public Switched Telephone) and ISDN (Integrated Service Digital Network) services.
Hybrid phone systems combine VoIP technology and legacy matrix switching in the same device. This enables them to provide the benefits of VoIP for new VoIP phones whilst still supporting existing digital desk phones and carrier trunks.
VoIP overcomes a lot of the limitations of legacy phone systems.
To understand the difference between the two it is important to understand the methods used in the past to carry voice.
In a legacy telephone system when a call is made between phones connected to that system a connection is established through a hardware module called a switch matrix; and when the call is finished this connection is removed. This method is quick and efficient and has been used for many years; however, every phone needs to be physically connected to the switch matrix, so the phone system needs to be big enough to handle all of these phones.
The other drawback is that the switch matrix has low bandwidth, which limits the type of media that can be exchanged between devices. As a result, standard legacy systems only carry voice and low quality video between the phones.
SIP (Session Initiation Protocol) is a method for sending call signalling information between devices over IP networks.
SIP is an open standard and has been adopted and enhanced to provide advanced feature interaction between VoIP devices that are not necessarily from the same vendor. This is particularly evident with the appearance of SIP capable phones that offer the benefits of VoIP and compatibility with many different devices.
SIP telephony has been widely adopted by network carriers to provide a VoIP replacement for traditional carrier links.
SIP and VoIP is used over broadband network connections to provide lower cost and more flexible services to both small and large businesses. In fact, there are telephony network carriers that will use your existing broadband service to provide phone calls without them needing to provide any on-site equipment – this reduces costs considerably for small business with suitable broadband services.
A good broadband connection is essential for VoIP.
VoIP is sensitive to delay and packet loss. This is typically not an issue for most applications that use data networks. A one second delay in the arrival of a packet containing information for an email is not going to be noticed by anyone, but a one second delay in the arrival of a VoIP packet is very noticeable to the people in a phone conversation.
When an IP packet containing information for a file transfer is lost the computer receiving the file will request a replacement packet; this cannot be done for VoIP, as it takes too long for the replacement packet to be requested and received. So it is important that the data network carrying the VoIP traffic is capable of carrying the traffic between endpoints with minimum delay and to not lose too many packets while it is doing it.
Fortunately, VoIP can cope with some delay and packet loss without noticeably damaging voice quality, but a congested broadband link can be a problem for VoIP traffic. The good news is that the data transfer speeds of most modern LANs is very fast and VoIP quality is rarely an issue in these LANs. And when a properly designed and built broadband service is used for VoIP there is rarely an issue with VoIP over those links as well.


And nowadays, there are more options than ever when it comes to home security, so we here at Cooley Insurance want to help you sort through those options with a few tips.
At Cooley Insurance, we can work with you to make sure you've got the coverage you need, while at the same time using all possible credits and discounts to make that coverage affordable. Just give us a call at 660-263-7777 or send us a note at markcooley [at] sbcglobal [dot] net. We want to help you meet your goals, and make sure what's important to you is protected!