Many of us fail to see the relationship between budgeting and saving. Budgeting is a process that starts by setting spending targets that help us to stay within our means of paying the bills. Living without a budget is one thing, living beyond our means is another. If, at the end of the month, you have no money left, how can you save for retirement, or anything else? It would be helpful to develop a budget, in order to help us stay within our means. A personal budget is useful in controlling personal expenses, and saving for retirement.
Budgeting, as well as a disciplined savings or investment program, is the cornerstone to managing all of our responsibilities. No personal budget often means an inability, or unwillingness, to identify a potential source of regular savings. Think about that. A personal budget will impose some discipline on adhering to a savings plan.
Select a period to measure. A monthly budget often works best. Most of us pay our rent, mortgage, and utility bills monthly. It is also the period over which many of us get paid. If you are paid every two weeks, you can add the amounts to determine a monthly figure.
Calculate net cash flow for the period. Your personal net cash flow subtracts your cash expenses (cash outflows) from you cash income (cash inflows). If you charge with your credit card, add those charges to your cash expenses. Using your credit card is only a means of postponing cash outflows.
Keep records. Accurate records will help you to keep a history of several budgeting periods. You can string together 12 months of budgets to create an annual budget. You can use your budget records to compare actual and budgeted spending. The differences in actual and budgeted spending are called variances. Be as precise in your record keeping as you can afford to be.
Monitor and Review. Your records help you to compare how well you budget. The key is to identify positive budget variances where your actual cash outflows are less than your budgeted cash outflows. These variances are a source of funds to save and invest. For example, if you budget $1,500 in monthly cash outflows but routinely only have cash outflows of $1,400, you have identified a source of savings worth $100 a month.
Save for an emergency fund. As you gradually find you can save each month, you may want to first set aside enough for an emergency fund. An emergency fund consists of three to six months of savings. An emergency fund is also called a rainy-day fund and should be used only to pay for unanticipated financial setbacks. These setbacks may include losing a job, becoming ill, or suffering the death of a family member.
Save and/or Invest regularly. A personal budget may have led you to identify a way to save $100 a month. Saving or investing this extra $100 every month lets you take advantage of compound interest.
Since your emergency fund serves a vital purpose, you want to have access to the funds. An effective technique for managing your emergency fund is laddering. First, you divide your savings into roughly equal amounts. Next, you deposit these amounts in short-term CDs of different maturities. The length of maturity terms should be spaced at intervals that don't jeopardize your access to at least some of your emergency fund at any given time.
For example, you may wish to divide $4,000 of a $5,000 fund into four equal parts, keeping $1,000 in an account you can access immediately. Next, you may consider investing $1,000 each in a 3, 6, 9, and 12-month CD. As each CD matures, you extend, or roll over, the CD for one year. This allows you to establish a stream of CDs that mature every three months. If you ever need more than $1,000 of your fund, the longest you would have to wait (unless you paid a fee for early redemption) would be three months.
If you take the time to set up a personal budget, you are likely to identify ways to improve your cash flow. Your personal cash flow is the mathematical difference of your cash inflows, such as your paycheck, savings and investment income, rental property income, etc, and cash outflows, mortgage payments, auto payments, insurance, groceries, gasoline, etc.
In order to calculate your personal cash flow, start by selecting a period of time for measuring your cash inflows and your cash outflows. A month is the most common period used, as most bills are paid on a monthly basis. Today, most people get paid bi-weekly or weekly. If you get paid more frequently than monthly, you can multiply by 2 (if paid either twice a month or every two weeks), or by 4 (if paid weekly), to approximate your cash inflows from your employment on a monthly basis.
Next, add up your monthly cash inflows. Be sure to add other income that you receive in cash. Include only those cash inflows that are received on a regular basis. If you do not earn the income consistently, leave it out.
Next, calculate your cash outflows on a monthly basis. Add up your bills that you pay on a regular basis. (The example assumes that you pay your bills once a month.) At a minimum, your monthly bills include mortgage or rent payment, utilities, fuel and transportation expenses, and food. If you make other loan or credit card payments, add those to the outflows too.
Finally, subtract your cash outflows from your cash inflows. This difference is your personal net cash flow. In this example, personal cash flow is equal to $525 ($3,125-$2,600). This is money you can save and invest.
By calculating your personal cash flow, you can identify opportunities to save. You can improve your cash flow by either increasing your inflow or reducing your outflow, and discover you really can save more toward your retirement, and budget your way to a significant nest egg.
This page includes a few very specific steps for individuals to take in regard to their own budget. Everyone's situation is different. We would suggest that consumers discuss their own situation with their own financial professional.


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Фуенте-Вакерос () — муніципалітет в Іспанії, у складі автономної спільноти Андалусія, у провінції Гранада. Населення —  особи (2010).

Муніципалітет розташований на відстані близько 360 км на південь від Мадрида, 17 км на захід від Гранади.

На території муніципалітету розташовані такі населені пункти: (дані про населення за 2010 рік)
 Фуенте-Вакерос: 4299 осіб
 Ла-Пас: 54 особи

Демографія

Галерея зображень

Персоналії
 Федеріко Гарсія Лорка (1898—1936) — іспанський поет і драматург.

Посилання

 Вебсторінка муніципальної ради

Примітки

Муніципалітети провінції Гранада

redpajama_set_name: RedPajamaWikipedia


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« A few photos for our friend Chucky.
Lovie Smith: We're now 2-0 if you count last year's final regular season game! »
"My knee will never be the same again." – Brian Urlacher
If this upcoming season for the Bears doesn't already look shitty, what Brian Urlacher said on Sunday in an interview will probably seal the deal for you. Even if Urlacher plays every game this season, it will not be at 100%. The Bears, historically, have sucked when Urlacher doesn't play or plays at a limited level. That's what we are going to get this season. The defense sucks as it is and it will be worse with Urlacher not playing at a top level. He is one of the best linebackers in franchise history and in the last two years, he played really well after having some injury problems before that.
Urlacher also said in the interview that he felt he could have played three or four more years at a high level. We all can thank Lovie Lee Smith for cutting his career short. There was no point in playing him with the Bears losing their previous five games before that and being eliminated from playoff contention the week before. Here I am with the pessimism again but rightfully so. Urlacher may only play this year and maybe the next before calling it quits. If someone wants to say that the Bears have a great offense and that's what could put them over the top, you are a moron. Teams win Super Bowls because of good defenses. If you want to know what a great offense with a shitty defense can do, ask the Packers how they did last year. They put up video game numbers on offense in the regular season but when the playoffs rolled around, that didn't get them anywhere.
This also can be blamed on one, Jerry Angelo. I wrote a few months back that even after he is long gone, Angelo is still screwing the Bears. Angelo should have tried to get a linebacker for the future and instead, ignored the situation. No. Nick Roach doesn't count and neither does some other bum he drafted. I am already going to be looking forward to next year's draft where linebackers and offensive lineman will be priorities. Let's not forget about Lance Briggs who is getting older as well. The windows is a crack away from being closed. This is not only Lovie's last shot, but this team as well before rebuilding begins for good. I will be at the game Sunday as well as the guys from Fire Ron Turner. We'll both have recaps of the game.
Buckle up Bears fans. It's going to be a bumpy ride.
This entry was posted on September 6, 2012 at 12:36 pm and is filed under Uncategorized.	You can follow any responses to this entry through the RSS 2.0 feed. You can leave a response, or trackback from your own site.
20 Responses to ""My knee will never be the same again." – Brian Urlacher"
DVXPrime Says:
…and while we're at it, let's not forget a secondary featuring Peanut Tillman (who played like shit this preseason) and Major Wright, plus JaMarcus Webb and Chris Williams on an offensive line that needed to be rebuilt two years ago.
This whole team is being held together by duct tape and The Force, and I think George Lucas just killed Luke Skywalker.
Gonna be one long ugly fall…
Pie In The Sky Says:
Cubs fans:
What do you think about another year of Chris Volstad in the starting rotation?
http://chicago.cubs.mlb.com/news/article.jsp?ymd=20120905&content_id=37946816&notebook_id=37949166&vkey=notebook_chc&c_id=chc#disqus_thread
Right-hander Chris Volstad started Wednesday's game against the Nationals, and despite the 6.06 ERA he brought into the outing, manager Dale Sveum said both he and left-hander Travis Wood could be members of the Cubs' Opening Day rotation next season.
"I don't see why not," Sveum said. "There's going to be a lot of things that happen this winter with the roster, I'm sure. You're talking about guys that can pitch, pitch innings who a lot of teams would like. They're fourth and fifth starters and hopefully trying to get better to get into a bigger role to be starters, too. I definitely think they're in the mix."
chucky Says:
Whoever the fuck tought Sveum how to think needs to be kicked in the goddamn nuts.
I'm going to take a wild-ass guess at Sveum's quote and say that the Cubs STILL don't have any decent pitching prospects in their farm system, so he will trot out Volstad for another attempt at a twent-loss (for Volstad) season.
I'm still hoping Sveum is gone. zzzzzzzzzzzzzzzzzzzzzzz……….
jimmyd Says:
Fro,
You put it quite well when you stated that the Packers put up "video game" numbers last year and it didn't result in a Super Bowl. I'm going to the game tomorrow and it'll be real interesting to see how we stack up against the Super Bowl frontrunning SF 49'ers. I'm also going to the game next Thursday against your team of choice. These two games are going to tell a great deal about what this Green Bay team brings to the table. Let's get it on!!!
Jimmy D.
Whilst waiting for the college football torture porn that will be Illinois vs. Arizona State, I found this on Deadspin:
http://deadspin.com/5941244/the-nationals-and-cubs-need-to-work-on-their-bench+clearing-brawl-technique
The Cubs can't even get into a proper bench clearing brawl. Good lord this team is doomed…
From the sounds of it, the brawl started because one of our stupid coaches thought the Nats were "Running up the score" when it was 7-2 in the 4th. Same sh-t that we had with Mike Quade.
Pie and DVX….You what is ironic about this? Look at the box score of yesterdays win in Pittsburgh. They go to the seventh inning leading 7-2. Then they "run the score up" to 12-2!
I guess Jaime Quirk is a bit of a hypocritical assbag. He didn't mouth off about that, did he?
Clean house. Sveum, the coaches…all the garbage. PATHETIC.
Jesus fucking Christ! Great way to start the fucking season. First play of the game and Cutler gets sacked for a loss of 12 yards. 2nd and 22. Then a false start. 2nd and 24. A run for 3 yards. 3rd and 21. Incomplete pass. 4th and 21.
Bumpy ride Fro? Shit, it's already gotten fucking ugly. And Andrew Luck just completed his first NFL pass. Made it look easy.
FUCK YOU LOVIE SMITH, YOU FUCKING ARROGANT ASSHOLE COCKSUCKER!!!!
Lemme guess: Ja Marcus Webb was responsible for both the sack and the false start. Wouldn't surprise me.
The I-Pass defense is back!
Yeti Says:
" Jesus fucking Christ! Great way to start the fucking season. First play of the game and Cutler gets sacked for a loss of 12 yards. 2nd and 22. Then a false start. 2nd and 24. A run for 3 yards. 3rd and 21. Incomplete pass. 4th and 21.
Yeah Yeti, i knew you'd be around you useless sack of shit. I'd ask you for more of your opinion….if I gave a goddamn about it. Or you, you dumb bastard.
Well, GB coaching staff is getting outcoached by SF coaching staff. No idea what they were doing in that final minute. On another note, these replacement refs are horrible.
I'm not going to pin the Packer loss on the refs. But, that being said, they are an awful bunch of idiots who looked like deer in the headlights!!! Holy Shit, this has got to end soon.
Jimmyd
Seriously. I just wrote something saying that the officiating job from that game was the worst that I have ever seen in any sport (excluding boxing). My friend (packers fan) who watched this game said they had four consecutive false start penalties at one point. Still though, 49ers were getting shafted too. Secondary SUCKED.
I'm starting to lose faith in Dom Capers. We'll see. 49ers are a damn fine team. Love watching that D. Harbaugh is so damn intense.
That SF defense is fast and it hits really fucking hard…all the time. You're right; one has to wonder if it's time for Dom Capers to move on.
Dom Capers…they loved him in Carolina…for a minute.

redpajama_set_name: RedPajamaCommonCrawl


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Eagles Over Monroe
6:30 p.m. Migration Patterns of Northern Saw-whet Owls
Susan Hengeveld, Indiana University Biology Professor, will discuss an ongoing banding project of Northern Saw-whet Owls (Aegolius acadicus) in Yellowwood State Forest that began in 2002. This banding operation is part of a larger network of such banding efforts throughout the U.S. and Canada and was initiated to investigate migration patterns of the different sex/age classes of these diminutive owls. (60 min)
7:45 p.m. Eagles and Biodiversity of Monroe Lake
No organism lives alone. As a top predator, the Bald Eagle is dependent on the availability of a robust, healthy ecosystem rich in biodiversity. Roger Hangarter, Indiana University Biology Professor, will use photographs to explore Monroe Lake's Bald Eagles, as well as a number of other organisms that are part of the biodiversity found in local ecosystems. (45 min)
8:30 a.m. to 9:30 a.m. Complimentary Coffee and Cocoa
9:00 a.m. TWO presentation options:
The Story of Monroe Lake's Eagles
If this is your first time attending Eagles over Monroe, come to this program to learn about why the eagles at Monroe Lake are so special to us. Rex Watters, Monroe Lake's wildlife biologist, will share the story behind the reintroduction of the bald eagle to Indiana, which took place right here at Monroe in the 1980s and early 1990s. Rex was one of the people who had it happen, so all the stories he shares were experienced first-hand! (45 min)
Birding by Impression
Bird books generally rely on key field marks for species identification. But what if the bird fails to cooperate and you can't see those marks? David Rupp, owner of Indigo Birding Nature Tours, and Joe Bailey, local photographer, will show you how other clues can be used effectively to help identify an uncooperative avian in the field. (45 min)
10:15 a.m. When Dinosaurs Flew
From lizards to birds… Patrick Haulter, Interpretive Naturalist for Brown County State Park, will explore the prehistoric world of dinosaurs as he explains one of the most exciting discoveries in evolutionary history: Birds! (45 min)
11 a.m. to 1 p.m. TWO drop-by activities available…
Raptors up Close
Leslie Grow, the interpretive naturalist at Hardy Lake, will have an assortment of their live, education birds on display! DROP BY to check out several diurnal raptors, including a Bald Eagle, take photos, and ask questions.
Avian Arts and Crafts
DROP BY to enjoy one of several arts and crafts projects with a bird/birding theme, presented by Sandy Belth, a naturalist for Monroe County Parks. Most projects will be accessible for ages 5 and up; there will also be at least one project that adult crafters will enjoy.
1:00 p.m. Saving a Species: The Whooping Crane
The Whooping Crane recovery is one of conservation's greatest success stories. Facing extinction in the 1940's with a population of about 20 birds, the Whooping Crane has recovered to about 500 birds in the wild today. James Kawlewski, Outreach Program Assistant for the International Crane Foundation (ICF), will share how the ICF is working to save the world's cranes from extinction, with a focus on the eastern migratory population of Whooping Cranes. (45 min)
2 p.m. to 4 p.m. Self-guided Driving Tour
Local birders will be stationed with spotting scopes at multiple eagle "hotspots" around the lake from 2 to 4 p.m. In addition to highlighting any eagles that come into range, they will also train their scopes on other interesting birds. Over 150 bird species have been spotted at Monroe Lake during the winter! Pick up the driving tour map at the registration table beginning at noon.
3:30 p.m. to 4:30 p.m. Complimentary Coffee and Cocoa
4:30 p.m. Live Raptor Presentation
*This presentation is being sponsored by the Sassafras Audubon Society*
The Indiana Raptor Center is a non-profit organization in Nashville, Indiana dedicated to the rescue of injured or orphaned wild birds, their rehabilitation and their return to the wild. Their mission is comprised of a triad of objectives, none of which may be effectively achieved without the others: Rehabilitation, Education, and Conservation. Join the volunteers of the IRC as they introduce you to their live raptor ambassadors - sharing stories about how these different species live in the wild and why their ambassadors were unable to be released after rehab. (60 min)
5 p.m. to 7 p.m. Italian Buffet Dinner available in the Fourwinds Tradewinds Restaurant
Dinner is NOT included with event registration, but discounted tickets are available to attendees if purchased in advance via online event registration (deadline is Jan. 23).
In advance (purchase during event registration): $12 per person, $7 for ages 12 and under
Walk-up (purchase at the restaurant door): $15 per person, $9 for ages 12 and under
7:00 p.m. Keynote Presentation: Raptors and Cranes, an Interconnected Wonder
The ways in which raptors and cranes are connected may surprise you! James Kawlewski, Outreach Program Assistant for the International Crane Foundation, will discuss the ecology and biology of both raptors and cranes, including some of the intense ways that these species groups interact with each other. The presentation will provide some history of species decline, the enactment of protections, challenges that these species face today, and how people can work together to help both raptors and cranes for their continued success. (60 min)
8:30 p.m. Bird Bingo
Wind down for the evening by playing some B-I-N-G-O with a birding twist! Snacks will be available and we've got some pretty nice prizes for the game winners. (45 min)
8:30 a.m. to 10:15 a.m. Complimentary Coffee and Cocoa
9:00 a.m. Pretty in Pixels Hike
Bring your camera, smartphone, tablet, or other photo-taking device and venture into the outdoors for a morning photography hike to capture the beauty of Monroe Lake! This easy hike will be led by Kriste Lindberg, an avid local nature photographer and watercolor painter, who will likely by joined by several other experienced photographers. Don't go home without the perfect picture to capture your weekend! (45 to 60 min)
10:15 a.m. Mid-Morning Birding
Want to add a few more birds to your weekend list? Join Wyatt Williams, Interpretive Naturalist for Spring Mill State Park, for a leisurely bird hike along the shoreline and woodland edges. If you have binoculars, please bring them! We'll also have some loaner binoculars available. (60 min)


This tour will show you the culture diversity of Ecuador, also you will have the chance to enjoy the highlands of the Andes and their beatifull landscapes.
Arrival to Quito, there you will be met at the airport by our guide and transferred to your hotel, overnight.
After breakfast you will depart to Otavalo located in the north of Ecuador, on route you will enjoy of the countryside and the spectacular views of the surrounding mountains. At your arrival you will meet your host family with whom you will spend a full morning, participating in the daily activities.
In the afternoon our guide will drive you to the Otavalo market or the Ponchos market, that is considered the most important indigenous market of South America. After a full afternoon of shopping you will return to Quito to your hotel where you will overnight.
Your guide will pick you up at your hotel to travel through the famous Volcano's Avenue where you can meet different native communities and share with them in order to learn about their costumes and traditions. You will arrive to Hacienda "El Porvenir".You will enjoy of a horseback riding wearing their typical clothes and visiting the foothills of Rumiñahui Volcano, riding side by side with herds of wild horses and bulls.
After a delicious lunch in the hacienda our guide will drive you to Cotopaxi National Park, where you can know about the amazing Cotopaxi volcano that is the highest active volcano of the world (5,897 mts., 19,342.16 ft). If time and the weather permit you will walk to the refuge of this volcano and to the glaciers located near of this place or you can walk close to Limpiopungo Lake in the base of the volcano.
Early in the morning after breakfast you will depart to Quilotoa Lake, on route you will stop in Zumbahua a special market that you only can visit on Saturdays, here it will be possible to see the people arriving with their products on lamas and some ones keep the tradition to exchange their products, this activity is called "trueque".
After that, you will continue to Quilotoa that is a water-filled caldera of 3 kilometers (2 miles) wide caldera. This caldera was formed by the collapse of the volcano in an eruption that took place approximately 800 years ago. The caldera has 250 m (820 ft) deep crater lake, which water has an extraordinary turquoise color as a result of dissolved minerals. After a delicious lunch in Quilotoa Lodge you will take the Pan-American Highway to continue with your trip through the highlands of Ecuador, arrival to Hacienda Leito where you have a spectacular view of Tungurahua volcano that is in process of eruption since 2000. Dinner and overnight.
After breakfast our guide will drive you to Salasaca town where you can share a short time with the Salasaca community. Salasacas are descendants of a mitimae (colonist) group brought from Bolivia in time of the Inca Empire. After this visit you will continue to Baños city where you can see how people extract a delicious juice from the sugar cane, production of melcochas, and you can buy beautiful handicrafts made by balsa and tagua. Then you will visit the famous waterfall route where you can see beautiful waterfalls like Manto de la Novia waterfall where you will cross the Pastaza river by a rustic lift, hanging for more than 200 meters above the river, Pailon del Diablo, Agoyán and others. After this visit you will go to a local restaurant where a delicious lunch will be waiting for you, then you will continue to Macas in the Amazon Rainforest. Late afternoon you will arrive to Casa Upano where you will dinner and overnight.
After breakfast you will have the opportunity to be with one of the most authentic communities of the Shuar people, learning how to plant, harvest, make handicrafts, prepare meals and find out more about the secrets of their medicinal plants. You will spend time learning about survival in the Amazon jungle, where our native guides will show you how to use spears and blowguns. The Shuar people are famous because in ancient times they had the custom of shrinking the heads of their enemies like a trophy during the wars. Nowadays, they practice this custom but just with animal heads. You will have full day to share with the local people and late in the afternoon you will return to the hostel where you will dinner and overnight.
After breakfast you will return to the Highlands, on route you can enjoy of the amazing landscape of Sangay National Park. You can stop in some strategic places in order to get wonderful photos, box lunch on route and late in the afternoon you will arrive to Riobamba where our guide will drive you to Hill Star, Hacienda La Andaluza or Hostería El Troje, dinner and overnight.
After breakfast our guide will be waiting for you in order to visit Palacio Real project located at 10 minutes from Riobamba. It is an indigenous community where the local people have developed small projects with the support of the priest Pierre Van Dorpe (French), the Lamas Project the most interesting one and it includes a restaurant based on the meat of those animals, also you can find a museum, two small trails where you can admire the beautiful landscape, a store of handicrafts. After this interesting activity you will continue to the south until arrive to Cuenca, on route you can stop in Ingapirca, this is the best and most important Inca archaeological site in Ecuador, Ingapirca that means "walls of the Inca" is located in the province of Cañar, about 1 hour and 45 minutes from Cuenca. In the afternoon you will depart to Cuenca, time to rest and walk close to your hotel. Overnight.
After breakfast our guide will be waiting for you at the lobby of your hotel in order to explore the city. You will walk through magnificent churches, beautiful old buildings with wrought iron balconies and carved wooden doors, flower and handicrafts markets, art galleries, workshops and all the wonders that Cuenca, with its colonial style and pleasant atmosphere, offers to its visitors. After that our guide will drive you to a local restaurant where you will enjoy of a delicious typical lunch, in the afternoon you will continue enjoying of this wonderful city and then you will return to the hotel where you will overnight.
After breakfast you will depart to the south of Cuenca in order to visit the Saraguro community. The Saraguro is a very important ethnic group of the southern Ecuadorian Highlands which has survived centuries of Spanish colonization without losing their identity, way of life, traditions, beliefs or even their dress, which is black and white, of pure wool, woven in ancient looms. The Saraguro communities are very much willing to participate in programs of cultural tourism, focusing on an intercultural perspective, and invite visitors into their homes to learn about their vision of life, enjoy some live music, craft workshops and a snack consisting of traditional local food and drink, served on wooden plates with wooden spoons, according to custom. After a full day in Saraguro Community you will return to Cuenca. Overnight.
After breakfast your guide will be waiting for you at the lobby of the hotel in order to visit the Craft-making & orchid villages (Gualaceo & Chordeleg). Cuenca is surrounded by villages where skilled artisans work wonders. Among these are Gualaceo, with its markets that are especially crowded on Fridays & Sundays, where you can observe hand-woven shawls, ponchos and lots of fruits and vegetables on sale. You also visit Chordeleg "chorro de oro" (waterfall of gold), a village specialized on jewellery - mainly gold and silver - with fine filigree work; hand made ceramic pottery and the chance to observe people weaving Panama hats and other items made of toquilla straw. One of the highlights on this trip is the visit to Ecuagenera, the most important orchid growing laboratory in Ecuador, which aim is to study and preserve the different species that exist through the time. Among their achievements, they have discovered 12 new species and 1 gender. During the visit you could observe hundreds of species and learn a bit about these amazing and beautiful plants. After this visit you will return to Cuenca where a delicious lunch will be waiting for you in a local restaurant and then you will be transferred to the airport in order to catch your flight back to Quito.
After an unforgettable experience in Ecuador our guide will pick you up in your hotel to transfer you to the airport to catch your national or international flight.
Itinerary subject to change based on local conditions. It could be flexible according to the client's interests.
Good Communication from start to finish. Got most of our target birds and some we did not expect. Good Show!


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Maples calls out the Evangelical Intelligentsia's game for defending creed-hating Rick Warren
5 years ago churchwatcher
This article looks at the controversy surrounding Jeff Maples article surrounding Rick Warren's session at Hillsong Conference 2015. We look at Maples latest article that tackles the games played by Christianity Today in their defense of Rick Warren.
Rick Warren is famous for coining the phrase "Deeds not Creeds." This anti-creedal statement of Warren indicates that he shows very little regard of the creeds. That is unless he can use them to give the impression he is a legitimate Christian minister.
In 2014, Hillsong leadership were quite relaxed in confessing that Hillsong is a non-creedal church. It was at Hillsong Conference 2015 this year where Rick Warren preached a rather anti-Christian message on how to hear from his god.
After Pulpit and Pen exposed Warren's pagan teachings, Rick Warren now appeals that he does indeed affirm the Nicene Creed. This is just another slick attempt to keep his sheepskin in tact while he continues to destroy Christ's church for his own selfish gain.
Nevertheless, Christianity Today continually fails to care about integrity when it comes to journalism or the Christian faith and allowed Justin S. Holcomb to use nice sounding arguments to say not much at all in defense of Rick Warren. If anything, it has only created more confusion over church history and clear definitions on words such as 'heresy' and 'heterodoxy'. Thank you Christianity Today.
The below well written article exposes the game of Holcomb and Warren and calls out the deceit behind Christianity Today:
"It seems to be just another attempt by the Evangelical Intelligentsia to distract from the real issues–issues that are bringing destruction in the church, further leading Christianity astray. It's their typical game strategy." [Link added]
Paul warns the church that ravenous wolves will emerge from inside the church. The evil intentions of these men will only stop when God fearing Christians says enough is enough and call them out. Thank God for Maples.
Jeff Maples writes,
Christianity Today says Rick Warren's Mysticism isn't Heresy Because he affirms the Nicene Creed
Recently, I wrote an article addressing serious theological issues that the CEO of Saddleback Church, Rick Warren, preached at the Hillsong 2015 Conference. Apparently this article ruffled quite a few feathers, since it has almost five-thousand Facebook shares, and Hillsong even contacted me requesting that I remove the video of Rick Warren's sermon from Youtube (even though it's protected under the fair use act). Now it appears that Justin Holcomb at Christianity Astray Today has taken an opportunity to lash out at Pulpit & Pen, though without any substance. Though he didn't mention our blog or my name, my article would seem to fit the description, along with his passive aggressive, stereotypical depiction of Pulpit & Pen. He writes:
A group of bloggers seeking reform in Southern Baptist circles recently decried pastor Rick Warren for teaching that God communicates to believers via dreams. The bloggers named Warren and other speakers at a 2015 Hillsong conference "heretical preachers that claim extra-biblical revelation from God." To be sure, the nature of God's revelation has been debated throughout church history, and overemphasis on dream interpretation can be theologically dangerous.
He then goes on into a rant about some British guy, of which I know nothing about, and will not comment on. However, his beef with us seems to be more about semantics than anything else. His approximately 3600-word article is dedicated to attacking Pulpit & Pen (and this other guy) about the use of the word "heresy."
The article I penned at P&P in which appears to be the focus of Holcomb's harangue is titled "Rick Warren Preaching Heresy at Hillsong 2015 Conference." He then spends the rest of the article attempting to define the word, "heresy," as well as trying to prove that what Rick Warren was teaching is, in fact, not heresy. He says:
But are these problems of heresy? Both complementarian and egalitarian leaders have taken to the Internet to call each other's views on gender and leadership heresy. That, though their respective movements have officially existed for about 30 years.
If we stopped reading his article here, one might conclude that in order for a theological teaching to be considered heresy, it must be relatively new. However, we will see by continuing that that isn't what he thinks. So my question would be, why mention it? If the length of existence of a given theological teaching had anything to do with it's being considered heresy, then that would have made all of Jesus' teachings "heresy," in which we know is not the case–at least not from a Biblical believer's point of view.
However, Mr. Holcomb later asserts his definition of the word as follows:
Heresy, as historian David Christie-Murray explains, is a belief that denies a doctrine "officially defined" as orthodoxy…For example, according to Protestants, the Catholic teaching that Mary was born without original sin and remained a virgin for life is heterodox. It's not heresy, because Catholics affirm orthodox Christology…However, Oneness Pentecostalism is an example of heresy, because it rejects historic orthodox Trinitarian theology.
And then goes on to conclude,
If a believer genuinely accepts the Nicene Creed, they should not be dubbed a heretic.
Okay, there are a number of problems with this. First, I would ask him that since the pope of the Catholic Church affirms the Nicene Creed, should he not then be labeled a heretic? This is assuming, of course, that he believes the Catholic Church to be a false church that teaches a false gospel. However, according to his definition, the pope affirms the trinity and other "orthodox" teachings set out at the council of Nicea, and, therefore, should not be labeled a heretic.
But is this the proper, biblical use of the word heresy?
First of all, let's be clear, there was no Nicene Creed while the New Testament was being written. It did not exist. The Nicene Creed was established about 300 years later after the New Testament Canon was closed. So when Paul referred to heretics in his epistles, he wasn't referring to people who didn't affirm the Nicene Creed. Paul says in Titus 3:10m
As for a person who stirs up division, after warning him once and then twice, have nothing more to do with him, (ESV)
and the KVJ translates it as,
A man that is an heretick after the first and second admonition reject;
The Greek word translated here as one who stirs up division, or "heretick," (as the KJV translates it), is "αἱρετικός," or "hairetikos." Thayer's Greek Lexicon defines the word as:
1. fitted or able to take or choose a thing
2. schismatic, factious, a follower of a false doctrine
3. heretic
So what is "false doctrine?" Obviously Paul isn't referring to simple disagreements over non-essentials in Titus 3:10. But Holcomb is attempting to make a biblical definition of the word "heresy" that equates to a more distinguished use of the word than that of the standard definition, which is basically, "a choice." This is fine, as I am attempting to do the same thing, however, Holcomb's "biblical" definition fails, as it is not consistent with biblical usage. He has narrowed the term down too far in order to avoid usage on those whom it should apply biblically.
Peter actually gives us a better picture of the biblical usage of the word in 2 Peter 2:1,
But false prophets also arose among the people, just as there will be false teachers among you, who will secretly bring in destructive heresies, even denying the Master who bought them, bringing upon themselves swift destruction.
So basically, a heresy, according to Peter, is a "destructive doctrine," or a doctrine that will lead someone to "destruction." Again, there was no Nicene Creed during this time, and I simply don't see any biblical support for limiting Paul and Peter's usage of the word to those who would only deny certain declarations of it. For example, the Nicene Creed doesn't even touch upon soteriology, yet the doctrine of salvation is by far the most important doctrine of the Christian faith. While all aspects of the Nicene Creed are important and essential, it is rather limited in its scope. The Roman Catholic Church, as well as any other sect that asserts a false gospel, or a false way of salvation, or any other teaching that could lead one down the wrong road to destruction, would clearly be considered heretical by biblical standards.
So back to Rick Warren, in whom Mr. Holcomb believes should not be referred to as a heretic. I would then ask, why not? Is not what he teaches dangerous? Is not teaching that the Bible is insufficient for hearing from God a destructive doctrine (2 Timothy 3:16-17)? Is not contemplative prayer, and other practices of mysticism and divination strictly forbidden in Scripture? Are these practices not linked with idolatry and rejection of God (1 Samuel 15:23)?
Enter by the narrow gate. For the gate is wide and the way is easy that leads to destruction, and those who enter by it are many. – Matthew 7:13
Perhaps Mr. Holcomb doesn't see Rick Warren's teachings as dangerous. To his credit, he does say "Traditionally a heretic is someone who has compromised an essential doctrine, usually by oversimplification, and has thus lost sight of who God truly is or what he has done for us." I would agree with him on that statement, however, it appears he doesn't see mysticism, contemplative/centering prayer or denying the sufficiency of Scripture as an essential doctrine.
Or does he?
It's unclear because he goes through a number of false teachings that, although he refuses to call them "heresy," he refers to them as "heterodox." Is there practically any distinction between the two words? Traditionally, historically, maybe–slightly. But Holcomb, again, writes a 3600-word article refuting my use of the word "heresy" in favor of the word "heterodox," in which there is no practical argument to be made. It's clear that the biblical definition of the word fits much more than he is willing to acknowledge and is a proper term to fit Rick Warren's practices. But even if it weren't, what is the point of his article? What purpose did it serve? It seems to be just another attempt by the Evangelical Intelligentsia to distract from the real issues–issues that are bringing destruction in the church, further leading Christianity astray. It's their typical game strategy.
There is a way that seems right to a man, but its end is the way to death. – Proverbs 14:12
Source: Jeff Maples, Christianity Today says Rick Warren's Mysticism isn't Heresy Because he affirms the Nicene Creed, http://www.psalm12outreach.com/2015/10/christianity-today-says-rick-warrens-mysticism-isnt-heresy-because-he-affirms-the-nicene-creed.html, Published 08/10/2015. (Accessed 10/10/2015.)
Tags: Christianity Today, creeds, creeds not deeds, divination, Jeff Maples, liars, lies, mysticism, nicene creed, Rick Warren
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4 thoughts on "Maples calls out the Evangelical Intelligentsia's game for defending creed-hating Rick Warren"
Truth2Freedom says:
Reblogged this on Truth2Freedom's Blog.
Just an observation: is it really considered "calling out" someone if no one outside your own small circle is even listening? It seems self-absorbed to suggest Warren clarified his position based on a random article posted on a blog few people take seriously or even know exist. I am guessing Rick Warren has never even heard of P&P.
churchwatcher says:
Rick Warren would have definitely heard of P&P.
And this "definitely" is based on what?!?
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Lynn to Leave No. 2 Post at Pentagon
Deputy Secretary Serves as DoD's Cybersecurity Point Man Eric Chabrow (GovInfoSecurity) • July 8, 2011
Deputy Secretary William Lynn III, the Defense Department's point man on cybersecurity, says he will leave his job as the No. 2 DoD executive when a replacement is in place.
Lynn helped create DoD's strategy to protect the military's and nation's digital assets (see DoD Unveils New Cyber Defense Strategy), including the standup of the U.S. Cyber Command (see Military Stands Up CYBERCOM as Its Latest Command).
As deputy secretary, he often articulated the department's cyber strategy (see Defense Dept. Outlines New Infosec Approach), and represented the United States at global cybersecurity gatherings. "Cyber is an area in which the U.S. cannot go it alone," he said. "There is a strong logic to collective cyber defenses. Collective cyber defenses are similar to air and missile defense in that the more attack signatures that you see, the better your defenses will be. The concept of collective defense is a key part of our strategy."
In his role as the Pentagon's cybersecurity leader, Lynn showed he could make a serious point with levity, as he did in his keynote address at the RSA security conference in San Francisco earlier this year (see Steve Jobs is Apple of Pentagon's Eye). He told the crowd that the Pentagon takes 81 months to field a new computer system; Apple Computer took 24 months to develop the iPhone. "That is less time than it takes us to prepare a budget and receive Congressional approval for it. This means I get permission to start a project at the same time Steve Jobs is talking on his new iPhone. It's not a fair trade."
In an interview with the Associated Press, Lynn said his departure had nothing to do with former CIA Director Leon Panetta replacing William Gates as defense secretary. Lynn said he informed Panetta on the new secretary's first day on the job, July 1, that he would resign as deputy secretary to spend more time with his family. The Pentagon Thursday issued a statement about Lynn's departure.
The deputy secretary is the latest cybersecurity leader to announce his departure from the Obama administration. On June 16, the White House revealed that Federal Chief Information Officer Vivek Kundra would leave later this summer (see Vivek Kundra Resigning as Federal CIO). A day later, Justice Department CIO Van Hitch, who co-chairs the Federal CIO Council's panel on IT security, said he would retire (see Van Hitch to Retire as Justice CIO). In late May, Deputy Undersecretary Philip Reitinger left the Department of Homeland Security as its top cybersecurity policymaker (see Reitinger Resigns Top DHS Cybersecurity Post).
Lynn became deputy defense secretary in February 2009, 23 days after President Obama took office. During the Clinton administration, Lynn served as DoD's comptroller. In nearly two decades in government, Lynn served as senior national security adviser to the late Sen. Edward Kennedy, D-Mass., as well as a senior adviser to five defense secretaries.
Skimmers Target Credit Union Branches
Boom Time for Fraud Examiners
https://www.inforisktoday.eu/lynn-to-leave-no-2-post-at-pentagon-a-3830


I came across this article at NetworkWorld by Jon Oltstik that mirrors some things that I've been thinking about for 2015.
Expanding attack surface. While most attacks will still center on Windows PC, browsers, and common applications, sophisticated cyber-adversaries will start to poke around with hacks for mobile devices, cloud applications, IoT, Macs, and Linux. The industry will pitch individual threat management tools for each of these threat vectors but CISOs should avoid the point tools trap and create an expansive all-inclusive strategy to safeguard the growing attack surface.
Peace out, passwords. Closely related to mobile payment, consumers will become more and more comfortable with smartphone-based authentication and biometrics in 2015. Apple has the lead but the recently published FIDO 1.0 specification will bring similar functionality to Android and Windows phones as well. By the end of 2015, many enterprises will start to explore ways to integrate mobile phone-based authentication into their IAM infrastructure. On a related note, CISOs will get much more involved in IAM decisions next year as IAM assumes the role of a security perimeter for cloud, mobile, and internal IT assets.
Enterprise Security Co. Enterprise security based upon an army of point tools, manual processes, and limited IT visibility doesn't work. CISOs recognize this and are now looking to build an integrated, scalable, enterprise security architecture. Think ERP (SAP) as a replacement for departmental apps in the 1990s. Which vendors can address this burgeoning enterprise security requirement? Leading candidates: Cisco, McAfee, IBM. Fast followers: Check Point, FireEye, Fortinet, HP, Palo Alto Networks, RSA, Symantec, and Trend Micro.
Security Analytics Maturity. Most of the enterprise organizations I speak with are collecting, processing, and analyzing a heck of a lot more security data today than in the past. What kind of security data? Logs, packets, threat intelligence, endpoint forensics, IAM data – you name it. We are passing from the age of SIEM to a much broader and more holistic security analytics era. A market free-for-all will ensue as startups, service providers, and established vendors (i.e. AlienVault, Arbor Networks, Dell, LogRhythm, Narus, Splunk, etc.) vie for big security analytics projects. Look for vendors to highlight hybrid cloud offerings, massive threat intelligence integration, remediation automation, and visual analytics capabilities next year.
Cybersecurity Intelligence. Speaking of security analytics, 2015 will be a big year for cybersecurity intelligence, driven by the eventual passing of the Cybersecurity Intelligence Sharing Act (CISA), and momentum around FS-ISAC's Avalanche and Soltra. On the enterprise side, CISOs want to rationalize their threat intelligence consumption, use, and integration while figuring out which threat intelligence feeds are really worthwhile and which are simply redundant information. Vendors will remain in the evangelical selling phase, but innovators like BitSight, iSight Partners, Norse, Vorstack, and ThreatStream with unique information or advanced integration should do well. OpenIOC, STIX, TAXII, and other cybersecurity standards are bound to come along on this ride.
A couple of other thoughts here.
The issue of an information security skills shortage is very real, and one that I witness on a daily basis. It's not so much a matter of finding people that are interested in getting in to the field, but finding people who have experience and are looking to make a move. This is bad for organizations that are hungry to hire a trained and experienced staff - but good for organizations that are looking to "grow their own" and make investments in capable people that are looking to apply their IT and other skills to information security. I've seen an increase in the number of organizations that are looking to offer internships as well, especially in the defense and financial sectors.
Organizations that continue to practice "checkbox security" to meet audit requirements and pass their next PCI review are going to find themselves on the front page of newspapers, or even worse out of business. Attackers are raising their game, and organizations must now participate in the knowledge arms race or be exterminated. Be prepared to see a great deal more of these organizations in the news, and ineffective CISOs driven out into the cold wintery air.
What's keeping you up at night when you think about 2015?


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After these two parts are completed, unified into the assembly plant for assembly, packing box storage. At this caster production is complete!
Industrial casters are generally made up of brackets and wheels. Scaffolds are generally metal, but there are plastic, plastic stent we often call the plastic support, the general use of the medical industry more, there are furniture wheel industry is more plastic stent. And in our industry with the most of the metal stent.
First, industrial casters can be called directional casters and universal casters. The caster is equipped with a single wheel and can only move along a straight line. Universal casters are from 360 degrees to the stent with a single round, can be free to move in any direction.
Second, the installation height: refers to the vertical distance from the ground to the installation location of the equipment, industrial casters installed with the height of the casters with the wheel far and far away from the maximum vertical distance. Stent steering center distance: refers to the horizontal distance of the center rivet vertical line to the center of the wheel core.
Third, the rotation radius: refers to the center of the rivet vertical line to the outer edge of the horizontal distance of the tire, the appropriate distance so that the casters can be turned 360 degrees. Rotation radius of the reasonable or not directly affect the service life of the casters.
Fourth, turn: hard, narrow wheels than soft, wide wheels easier to turn. Rotation radius is an important parameter of the rotation of the wheel. If the radius of rotation is too short, it will increase the difficulty of steering. If it is too large, it will cause the wheel to shake and shorten the life.
Fifth, driving flexibility: the impact of industrial casters driving flexibility of the factors of the structure of the stent and stent steel selection, the size of the wheel, wheel type, bearings, etc., the greater the flexibility of the wheels the better driving, The narrow wheels are less effortier than the flat side of the wheels, but on the uneven ground the soft wheels are labor-saving, but on the uneven ground the soft wheels can better protect the equipment and shock.


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Dr. A. Jean Ayres Archive
USC Libraries Special Collections
The Ayres Archive consists of correspondence, lectures, notes, legal papers, newsclippings, newsletters, journal articles, publications, tests, tools, artifacts, photographs, cassette tapes, and video-tapes. The bulk of material is photocopied correspondence and lecture text.
The Archive is organized into six series: Personal Papers, Correspondence, Lectures and Speeches, Research, Publications, and Tests and Artifacts.
Ayres, A. Jean (Person)
Collection is open for research. Collection is stored off-site and advance notice is required for access.
Publication Rights
All requests for permission to publish or quote from manuscripts must be submitted in writing to the University Archivist. Permission for publication is given on behalf of University Archives as the owner of the physical material, and is not intended to include or imply permission of the copyright holder, which must also be obtained.
Anna Jean Ayres was born in 1923 in central California. She received her BA in occupational therapy in 1945, her MA in occupational therapy in 1954, and her PhD in educational psychology in 1961. All her degrees were from the University of Southern California. She was married in 1969 to Franklin Baker and died in 1989 due to complications from cancer.
Ayres' major research focused on sensory integration and the brain, and how sensory integration dysfunction affects children's learning abilities. In 1977, the Ayres Clinic was created to treat children with SI dysfunction using techniques from occupational therapy. Ayres published 54 articles, two books, and numerous tests and videos related to sensory integration dysfunction and therapy. She was a frequent lecturer and was a founder of Sensory Integration International, a non-profit organization dedicated to the promotion of sensory integration research.
10 Linear Feet (16 boxes)
Papers, tests, and artifacts of A. Jean Ayres, groundbreaking occupational therapist. All items donated by friends, family, and coworkers.
Acquisition Information
Items in this collection were donated from a variety of sources. The bulk of items came from Brian Erwin. Where possible, the donor is noted with the item description.
Processed by: Jennifer Allan, July 26, 2004
Ayres, A. Jean -- Archives
Learning disabilities -- Treatment -- Archival resources
Occupational therapy -- Archival resources
Occupational therapy for children -- Archival resources
Sensorimotor Integration -- Archival resources
University of Southern California. Occupational Science and Occupational Therapy Department -- Archives
Finding Aid for the Dr. A. Jean Ayres Archive
Jennifer Allan
Revision Statements
2022 July: Finding aid updated by Bo Doub to include material added to the collection from accrual no. 2022-058.
Part of the USC Libraries Special Collections Repository
http://libraries.usc.edu/locations/special-collections
Doheny Memorial Library 206
3550 Trousdale Parkway
Los Angeles California 90089-0189 United States
specol@usc.edu
[Box/folder# or item name], Dr. A. Jean Ayres Archive, Collection no. 0317, Special Collections, USC Libraries, University of Southern California
[Box/folder# or item name], Dr. A. Jean Ayres Archive, Collection no. 0317, Special Collections, USC Libraries, University of Southern California https://archives.usc.edu/repositories/3/resources/2321 Accessed January 31, 2023.


text:
Wetland and Aquatic Research Center
Mapping Avian Habitat for the Gulf Coast Joint Venture Active
By Wetland and Aquatic Research Center February 8, 2022
The Gulf Coast Joint Venture (GCJV) was established in 1988 as a result of the North American Waterfowl Management Plan, which espouses the restoration of continental waterfowl populations through conservation partnerships in priority habitat regions. Since that time GCJV partners have expanded their mission and purpose to include the provision of habitat to support other priority bird species within the region.
The GCJV region encompasses coastal marsh and associated habitats from Alabama to south Texas, and is geographically subdivided into five planning units called Initiative Areas: Coastal Mississippi-Alabama, Mississippi River Coastal Wetlands (Louisiana), Chenier Plain (Louisiana and Texas), Texas Mid-Coast, and Laguna Madre (Texas).
The Science Issue and Relevance: The western U.S. Gulf of Mexico coast provides important habitat for migrant and wintering waterfowl and shorebirds. The Gulf Coast Joint Venture (GCJV) partnership is focused on advancing conservation of priority bird habitats in this region. An example of the GCJV's efforts is the use of bioenergetic models (that is, models that incorporate species-specific population abundance objectives, temporal residency, daily energy demand of birds, and foraging energy values of habitats) to translate regional waterfowl and shorebird population targets into quantitative habitat objectives. These objectives are expected to represent landscape conditions needed to support populations at desired levels. Remote sensing science can help quantify avian habitat at the landscape-scale and assess long-term trends and annual variation of landscape conditions. Collectively, this information can help the GCJV evaluate progress toward objectives and provide insight into regional conservation priorities.
Waterfowl habitat frequency from over three assessments 2008 through 2014 from mid-January through the end of March in Chenier Plain of Louisiana
Methodology for Addressing the Issue: Scientists from the U.S. Geological Survey and GCJV use remote sensing data to estimate the amount of avian habitat in temporarily or seasonally flooded wetlands, flooded rice fields, and moist soil units along inland agricultural landscapes across the western Gulf of Mexico. The overall goal of this effort is to estimate the amount of waterfowl and shorebird habitat on inland agricultural lands from the mid-1980s to present. Additionally, the waterfowl habitat assessments are used to investigate the annual performance of the Texas Prairie Wetland Project, an important conservation delivery program in the GCJV region.
Future Steps: The team plans to develop journal articles to highlight the methods and results of these mapping efforts.
Default Map Title
Nicholas M Enwright, Ph.D.
Research Geographer
enwrightn@usgs.gov
Habitat Mapping
Monitoring and Detection
Coastal Ecosystems
Ecological Processes
Species Biology
Priority Landscapes
Large-Scale Restoration Science
waterfowl habitat
shorebird habitat
inland agricultural lands
coastal marsh
Below are publications associated with this project.
Delineation of marsh types of the Texas coast from Corpus Christi Bay to the Sabine River in 2010
Coastal zone managers and researchers often require detailed information regarding emergent marsh vegetation types for modeling habitat capacities and needs of marsh-reliant wildlife (such as waterfowl and alligator). Detailed information on the extent and distribution of marsh vegetation zones throughout the Texas coast has been historically unavailable. In response, the U.S. Geological Survey, i
Ecosystems, Land Management Research Program, Wetland and Aquatic Research Center


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Q: entire  disappears after .click function Can anybody tell me what I'm doing wrong with my code?
Please understand that I'm just a beginner learning jquery. I'm trying to make a Check List using a
 where you can add and remove items, and when you click on the check box, a checkmark appears followed by a "done!" contained on another . The check mark disappears once you  click on the check box again. you can see my fiddlehere: http://jsfiddle.net/linyingsinc/w6XxP/1/
I've initially set .checked as hidden so that .toggleClass can remove that class when clicked, thus revealing the check mark. It works fine initially, but when I added this bit of jquery:
$(this).toggle(function() {
var itemDone = 'done!	';
$(this).parent('tr').append(itemDone);
});

...the entire
 containing  disappears completely after a second. I just want to be able to toggle the checkmark and the "done!" bit on and off.

A: That version of the toggle() function was removed in the latest versions of jQuery, so the toggle() function you're using now toggles visiblity, and just hides or shows everything.
You'll have to create your own toggle function :
$(document).on('click','.checkbox',function() {
    $(this).find('span').toggleClass('checked');
    if ($(this).parent('tr').find('.complete').length) {
        $(this).parent('tr').find('.complete').remove();
    }else{
        var itemDone = 'done!	';
        $(this).parent('tr').append(itemDone);
    }
});

FIDDLE

redpajama_set_name: RedPajamaStackExchange


Have you noticed the difference between the catfish and the rest of the varieties your fish monger is selling?
For one, catfish got whiskers, like that of a cat - and they don't have scales -- instead they have mucus-like skin that's very slimy.
They have chemoreceptors all over their bodies, which means they taste anything they touch and smell whatever chemical is in the water.
This is precisely why sometimes your catfish taste like putik or mud, some taste like pesticide.
So it is important to always buy them from a reputable source.
Catfish back in my hometown, Malabon, were sold alive by peddlers. They say that's the best gauge for freshness.
True, but if you are squeamish in the handling of these squirmy creatures, I have some tips for you.
I've seen some inhumane ways of killing Hito -- I know, you will say it will eventually end up in the pan, so why bother?
Unlike most fish that couldn't survive when taken out of the water, the catfish thrive longer so if you are in a rush to cook your live hito, what are your options?
Just like live crabs and lobsters, freezing it alive will put it to sleep, but there is an easier way to do it.
Put them in a deep container and generously sprinkle with salt until they stop wriggling.
Now, how to remove the mucus-like, slimy feel on the skin? Again, use salt to rub all over the skin, then rinse.
Repeat rubbing with salt until the skin is totally mucus-free.
If there is a funky smell in the fish : Rub with both vinegar and salt, then rinse thoroughly with lukewarm water.
Your catfish is ready for filleting or for cooking.


While attending a conference on the environment and development in Kenya several years ago, the Kenyan organiser introduced me by saying, "We have a participant from the Asiatic Humid Climate Zone with plenty of water all around." I did not quite understand what he meant until I met participants from the dry lands of Sub-Saharan Africa. I then realised that, with several months of rain and snowfall annually, South Asia is a water-rich region. People assume that South Asia's problem is not inadequate water but too much of it, a view spread by media reports of constant floods and landslides. This image has been reinforced by scientific studies too. With the third largest mass of ice on earth, the Himalaya is the planet's water tower, keeping water flowing perennially in the 10 large river systems of Asia.
The water tower narrative has misplaced policy thinking, rendering injustice to several dozen cities right at the foot of the snowy Himalaya. What goes unrecognised is that these cities have been struggling to secure water for their growing populations and expanding industrial activities. Dharan in eastern Nepal and Haldwani in the Indian state of Uttarakhand are two examples of such cities, right under the shadow of water tower discourses.
Situated in a Bhabar zone characterised by a low ground water level and ephemeral stream flows, the municipality of Dharan, with a population of more than 200,000, faces a major water scarcity problem. "Dharan does not have a single starred hotel despite being a regional trading hub and receiving so much remittance every year. This is simply because there is not enough water here," said a local political leader. Popularly known as the city of ex-Gurkhas, Dharan is the gateway to the Eastern Region. More than five hilly districts rely on Dharan for everyday supplies, higher education services and other amenities of a modern town. Although 98 percent of city dwellers have access to piped water, only a fraction of the requirement is fulfilled by the utility installed three decades ago. Dharan has relied primarily on streams flowing down from the immediate upper watersheds of Shardu and Khardu rivers, which meet only one-third of the need. Additional water is pumped out of the ground several kilometres south of the city, but supply still falls short of demand.
The Asian Development Bank (ADB) has provided support to the government to implement a drinking water project to augment Dharan's water supply. The project considered multiple options before finally deciding on the groundwater option. The first option was to conserve water in the two watersheds, but it was dropped as additional water is not available. There was a proposal to bring water from the Tamur River via a tunnel, but it was rejected due to its high cost. Another plan called for building an overground diversion on the Koshi River 14km away. This was seen as a sustainable source, but experts said that it would be very expensive due to the need to filter the river water which has a high sediment load. The only option left was to pump out more groundwater by sinking more tube wells in the forest. This is what is currently being done as part of the ADB-supported project.
However, some have raised questions about the sustainability of the underground system. Supporters argue that sustainability is not an issue as the reserves will be constantly recharged. They say that the area above the pumping station is porous and the pumping area is covered by dense forest, so there is a high rate of infiltration. Moreover, the depth of the water table lies below the water level of the Koshi River, which means that an infiltration gradient can easily replenish the ground water system. However plausible, this theory of sustainability of the underground water source is not a tested one, and there isn't sufficient data to prove this. Some engineers and water experts opine that the groundwater option may be unsustainable in the long run. This concern is reflected in the ADB project which has set a project life of 30 years. This option looks sensible in the short run, but what is important is exploring Dharan's water future across all possible water supply zones—underground, overground, upstream and downstream sources.
Considering the limited data on hydrological systems and on how the water regime is linked to climate change and social drivers, what Dharan should do is keep all water source options open in its water management planning. The city has been bestowed with four different water sources which together can provide a secure water future. Therefore, diversifying supply sources is perhaps a more water resilient strategy in the long run, instead of relying on just one source. In addition, factoring in the likely effects of climate change should also be part of the water strategy. It is crucial to generate knowledge to reduce the degree of uncertainty involved in investments related to water supply management. Given the limited database, none of the water security propositions can be tested through rigorous data, nor is there a necessity for precise empirical evidence to move forward under a precautionary approach.
In a new research that we have started in the two cities in collaboration with the International Development Research Centre (IDRC) of Canada, we have prioritised engagement with the city actors and local communities. We believe that what we need is a smarter way of doing research and also contributing to on-going efforts of the city to plan and develop water supply systems. A key strategy is to draw on experiential and expert knowledge while making use of the available socio-economic, meteorological and ecological data to help city stakeholders to plan and implement strategies that will contribute to water security in the long run. However, a critical challenge is that, due to the absence of elected local governments, the space for planning and making decisions is extremely limited at the local level.


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Working Knowledge
Business Research for Business Leaders
Cold Call Podcasts
Managing the Future of Work Podcast
Cold Call Podcast
HBS Case
Research & Ideas
Sharpening Your Skills
Working Paper Summaries
Just-in-Time Delivery Comes to Knowledge Management - Knowledge Management Just-in-Time
How can physicians stay on top of what they need to know about 10,000 different diseases and syndromes, 3,000 medications, and 400,000 articles added to the biomedical literature each year? Partners HealthCare thinks it has the answer.
by Thomas H. Davenport and John Glaser
Doctors need to stay current on 10,000 diseases, 3,000 medications, 1,100 lab tests and 400,000 articles added to the biomedical literature each year. Sounds like a job for the field of knowledge management. This excerpt outlines how Partners HealthCare in Boston attempts to keep doctors up to date by "embedding" knowledge in technology doctors use everyday.
Embedding knowledge into everyday work processes is time-consuming and expensive. It's not an undertaking that anyone in his right mind would tackle without a very good reason. A decade ago, Partners had that reason: Researchers at the Harvard School of Public Health and Harvard Medical School found that there were surprisingly high numbers of medical errors and adverse drug reactions at Partners hospitals. That these institutions could be unconsciously acting in direct opposition to their healing mission was deeply troubling.
Under the direction of H. Richard Nesson, CEO of Brigham and Women's at the time, Partners undertook an ambitious and risky project to link massive amounts of constantly updated clinical knowledge to the IT systems that supported doctors' work processes. The project was ambitious because it had the potential to substantially improve the quality of physicians' decision making—and hence improve the quality of patient care. But it was also risky because knowledge-based systems had a very spotty record of success in their first incarnation two decades ago and because Partners didn't really know if it would be able to codify the millions of facts and data points that doctors use to make complex decisions about treatment.
Partners' approach is built on a set of integrated information systems —including on-line referral and medical-records systems—that physicians can use to manage patient care.
— Thomas H. Davenport and John Glaser
So the project was defined relatively narrowly at first. Partners professionals targeted an essential work process—physician order entry—and a problem that was well documented—errors in drug prescriptions and lab-test ordering. Drug interactions are relatively straightforward and easy to program; this fact, too, improved the project's chances for success.
The decision to focus on the order-entry system was important because the system is central to physicians delivering good medical care. When doctors order tests, medications, or other forms of treatment, they're translating their judgments into actions. This is the moment when outside knowledge is most valuable. Without the system, doctors would have no easy way to access others' knowledge in real time. Automated order entry addresses this need in several ways: It increases efficiency and safeguards against errors due to poorly written orders. Even more important, it allows physicians easy access to massive amounts of up-to-date medical knowledge while they go about their daily work. Indeed, the order-entry system forces physicians to engage with queries or recommendations (although, as we shall see, they can always override the system's recommendations).
Order entry is a key work process in this system, but it's not the only one. Partners' approach is built on a set of integrated information systems—including on-line referral and medical-records systems—that physicians can use to manage patient care. These all draw from a single database of clinical information and use a common logic engine that runs physicians' orders through a series of checks and decision rules.
Here's how it works. Let's say Dr. Bob Goldszer, associate chief medical officer and head of the Special Services Department at Brigham and Women's in Boston, has a patient, Mrs. Johnson, and she has a serious infection. He decides to treat the infection with ampicillin. As he logs on to the computer to order the drug, the system automatically checks her medical records for allergic reactions to any medications. She's never taken that particular medication, but she once had an allergic reaction to penicillin, a drug chemically similar to ampicillin. The computer brings that reaction to Goldszer's attention and asks if he wants to continue with the order. He asks the system what the allergic reaction was. It could have been something relatively minor, like a rash, or major, like going into shock. Mrs. Johnson's reaction was a rash. Goldszer decides to override the computer's recommendation and prescribe the original medication, judging that the positive benefit from the prescription outweighs the negative effects of a relatively minor and treatable rash. The system lets him do that, but it requires him to give a reason for overriding its recommendation.
The fact that the order-entry system is linked not just with the clinical database but also with the patient's records increases its usefulness by an order of magnitude. The system may inform Goldszer that a drug being prescribed is not economical or effective, but it can also tell him that the patient is taking another drug that interacts badly with the new medication or one that might exacerbate a condition other than the one being treated. When it comes to ordering tests for a patient, the system may note that a particular test is generally not useful in addressing the symptoms identified or that it has been performed on the patient enough times that a retest would not be useful.
That's a relatively simple explanation of what the integrated system does, but, in fact, the logic engine and the knowledge base can serve as very sophisticated screens for the physicians' decisions. For instance, imagine that a patient with a history of sleep apnea is prescribed a narcotic to mitigate pain after surgery. Narcotics can cause people with sleep apnea to go into respiratory arrest, but, as long as the history of sleep apnea is noted in the patient's medical records, the system will alert the physician to that potential problem. It also takes into account the patient's age, likely metabolism, probability of renal failure, maximum allowable lifetime amounts of a chemotherapy agent, and hundreds of other factors.
The logic engine and knowledge base at Partners are used more during order entry than at any other time. But they are used increasingly during normal review of patient medical records as well. For example, the system alerts the physician, as he or she reviews Mrs. Smith's record, to follow up on her marginally abnormal mammogram or to recheck her cholesterol levels. In addition, it may remind a physician that a particular patient should receive a call or schedule a follow-up appointment.
Alert system built in
There are, of course, times when a physician isn't treating a patient directly yet still needs to know that something has happened. For these times, Partners developed an event-detection system that alerts a physician when a hospitalized patient's monitored health indicators depart significantly from what is expected. The physician is notified through a pager and can then visit the patient directly or call in a new treatment. Minor variations are routed to the nurses' station, and the nurse can decide whether to call in the physician.
A controlled study of the system's impact on medication errors found that serious errors were reduced by 55 percent.
The power of knowledge-based order-entry, referral, computerized medical-record, and event-detection systems is that they operate in real time. Knowledge is brought to bear immediately without the physician having to seek it out. In some situations, physicians can consult with other experts in real time, via teleconferencing and other technologies. Such practices are still in their early stages, but they show great promise. For example, if a patient on Nantucket island experiences what his doctor suspects is a stroke, he needs to be diagnosed and treated within an hour or his chances for full recovery drop precipitously. By the time he is flown to Cape Cod Hospital, it might be too late. If a specialist in Boston, or for that matter in Tel Aviv, can interview the patient over a videoconference screen, observe how he speaks and moves, and review scan results, the likelihood of effective treatment will go way up.
Partners has also assembled many other knowledge resources that are not accessible in real time but are valuable nonetheless. These sources are more extensive than what is in the clinical-information database. However, they're like traditional knowledge-management systems in that users need to seek them out. The organization's on-line sources (collectively called The Handbook) include online journals and databases, care protocols or guidelines for particular diseases, interpretive digests prepared by Partners physicians, formularies of approved drugs and details on their use, and even on-line textbooks. All of these resources are accessible through an integrated intranet portal. It's an unusually good set of resources, but they're not different in kind from those that practitioners at other hospitals can consult. The Handbook is accessed, across all Partners institutions, about 3,000 times a day. Contrast this with the 13,000 orders submitted a day at Brigham and Women's alone; even though it's invisible to the clinicians, the information embedded in the order-entry system is used far more intensively than The Handbook is.
While Partners' embedded-knowledge program has been under development for more than a decade, it's still not complete. The on-line order-entry system and related knowledge are only accessible within the organization's two flagship hospitals, Mass General and Brigham and Women's. Medical knowledge has not yet been codified for all the diseases that Partners physicians treat. But the approach is clearly beneficial. A controlled study of the system's impact on medication errors found that serious errors were reduced by 55 percent. When Partners experts established that a new drug was particularly beneficial for heart problems, orders for that drug increased from 12 percent to 81 percent. When the system began recommending that a cancer drug be given fewer times per day, the percent of orders entered for the lower frequency changed from 6 percent to 75 percent. When the system began to remind physicians that patients requiring bed rest also needed the blood thinner heparin, the frequency of prescriptions for that drug increased from 24 percent to 54 percent.
These improvements not only save lives, they also save money. For starters, the system now recommends cheaper as well as more effective drugs. Even more important, it helps prevent longer hospital stays and repeat tests that result from adverse drug events (ADE). That can save a facility large sums of money, since a 700-bed hospital will normally incur about $1 million per year in preventable ADE costs. Order entry with embedded knowledge is still rare enough that U.S. insurers have not yet seen their costs go down, nor have national malpractice figures changed. However, Partners, which insures itself for malpractice, has some early data suggesting that malpractice reserves can be smaller because of fewer drug-related claims.
Excerpted with permission from "Just-in-Time Delivery Comes to Knowledge Management," Harvard Business Review, Vol. 80, No. 7, July 2002.
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Thomas H. Davenport is the director of Accenture's Institute for Strategic Change in Cambridge, Massachusetts, and a management professor at Babson College in Wellesley, Massachusetts.
John Glaser is the vice president and CIO of Partners HealthCare System in Boston.
Keys to implementing KM
Here is a summary of the non-technical, managerial issues required to keep Partners HealthCare' knowledge management system running smoothly.
Support from the best and brightest. Convincing knowledge workers, no matter what environment or field they're in, to support the system and the new way of working.
An expert and up-to-date knowledge base. Partners uses prestigious committees to identify, refine, and update the knowledge used in each domain.
Prioritized processes and knowledge domains. Since these initiatives are difficult and expensive, they should only be undertaken for truly critical knowledge work processes.
Final decisions by the experts. With high-end knowledge workers like physicians, it would be a mistake to remove them from the decision-making process.
A culture of measurement. In order to justify the time and money spent on an embedded-knowledge system, and to assess how well it's working, an organization needs to have a measurement-oriented culture.
The right information and IT people. An IT organization that knows the business and can work closely with key executives and knowledge-rich professionals is important.
Harvard Business School Working Knowledge
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