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How to Leverage Sales Effectiveness to Win More Deals
By Tom Pisello| November 27, 2018
What do World Series Champs and Content-Driven Sales Reps Have in Common?
I was catching up with Peter Ostrow on his way to a Red Sox World Series home game last month. As a lifelong Boston fan, attending this game with his brother was a dream come true. Fortunately for us, Peter, a Practice Director for SiriusDecisions, still took time out from his World Series excitement to take our call and bring us up to speed on his latest research on Sales Enablement. Maybe it was having the World Series top of mind, but certain similarities and KPIs stood out to me, no matter what type of field.
Although a good defense is often touted as the key to victory for championship teams, the World Series is often won or lost not on pitching, but on hitting. You need runs to win, and the best hitting team is most often the winner.
In fact, statistics show that the team with the better season-long on-base plus slugging (OPS, a key performance benchmark calculated as the sum of a player's on-base percentage and slugging average) has won each of the last five World Series and eight of the last 11. The good news for Peter and the Boston fans going into the Series was that no other team had a better batting average and OPS than the Red Sox. So it was no wonder that the Red Sox took the Series, dramatically outscoring the LA Dodgers.
According to Peter, when it comes to sales enablement, winning or losing could be similarly predicted. It's not about the defense, staving off the competition, but about the offense: the ability for a seller to leverage sales content in the "moment of truth".
And most organizations recognize how the right offense and content fueled engagements can drive success, with the majority, 62% of B2B marketing organizations, now having a centralized content team to produce content, according to SiriusDecisions research. This in addition to content generated from product teams and sales groups, almost as if each group is being paid by the pound for producing content.
So there's no shortage of sales content, however:
Only 21% of organizations rate their content creation competencies as advanced.
35/100 pieces of content actually make their way to the buyer.
So how do you excel at sales content to get the winning customer engagement advantage? According to Peter, getting your sales content right can help you round the bases and win:
First base: Facilitate buyer decision making
It is important for sellers to help buyers with their evaluations, providing key content to help facilitate buyer decision making throughout the buyer's journey:
Education – helping buyers understand their challenges better, helping to prioritize issues and present the "art of the possible".
Solution – guiding buyers to the right solution, explaining key features and quantifying the benefits and financial justification business case.
Selection – providing pricing and proposals, competitive insights and total cost of ownership comparisons, to help the buyer make the final decision.
Providing buyer's journey content can help inspire and accelerate the prospect from "do nothing" to "Yes".
Second base: Deliver content in context
Content is needed throughout the cycle, to make each seller more capable, confident and credible throughout the prospect engagement.
The best sales enablement teams categorize and assure they have the right content classified and grouped into it's intended purpose as follows:
Empowerment content – helping sales be ready for client engagements, with educational content, providing them with the education and knowledge needed to better communicate and quantify differentiating value and sell more effectively. For internal consumption, this type of content delivers the "What to Know".
Activation content – helping provide the messaging, insights, data, analytics and storytelling to share with prospects. This type of content is designed for external consumption, and is the "What to show"
Both empowerment and activation content can be best further sub-divided into the context of when it will be used:
Pre-engagement – content used to entice the prospect to engage, or to prepare and ready the seller for the engagement.
During engagement – content used to help fuel the prospect conversations and reviews.
Post engagement – resources and content used to follow up with the prospect after the conversation and engagement, to gain internal consensus and approvals.
Third base: Serve the right content at the right time
Sales reps often have trouble finding the content they need when they need it. It's hard to mount an offense and hit successfully when your sellers are wasting much time searching, reaching out to marketing and others for what they need, or recreating content they can't find.
The ability to search and have the results be relevant is important, serving up just the right pieces of content to move the deal forward – not too much to overwhelm the seller or prospect or too little to empower and activate.
Mobile is essential, so that when on the road and meeting with customers, can get to the content when needed most, without having to struggle with download delays or connection challenges.
And when the seller finds the right content, they need to be able to easily customize and personalize the content, smartly, intelligently and as automated as possible for each unique engagement and conversation.
Going beyond, Peter indicates that the best enablement creates the ability for content to "find" sellers – trigger based on the sellers' activity, the context of the selling situation, and buyer interaction.
And the best practices don't stop there. When content is delivered to buyers it is essential to automate this sharing and provide tracking of how prospects interact with the content. Which content do they engage with, how long did they engage, and most important in today's decision by buying committee environment, who did they forward the content to?
Reaching third base successfully, helping reps find the right content, can help provide a key advantage, with:
11% of reps in higher performing organizations, those with greater than 80% of their reps making quota, spend 11% less time searching for and managing sales content
High performing reps rely on 12% fewer sales asset locations.
Heading home: Optimized outcomes
According to Peter and SiriusDecisions, a meager 33% of the content assets are tracked back to the outcome. This means that although they may be tracking the basics, 2 out of 3 organizations don't tie content usage and consumption back to outcomes – like how the content can help accelerate sales cycles, improve win rates or increase deal size.
Without this visibility, it's impossible to track and understand how seller consumption of learning assets or buyer engagement with selling assets is making a real impact.
If you are able to make this connection, you can achieve three key improvements to hit the ball out of the park:
Weight future content recommendations to intelligently suggest and recommend the right content that can truly move the needle
Retire content that is not making an impact or driving outcomes, getting rid of much noise and management burden
Optimize new content development, to reduce producing wasted content (not used or relevant).
The Bottom-Line
Good hitting has been proven as a key indicator of generating a World Series win. A good offense, via sales content management, is similarly vital to winning the sales game.
According to Peter and SiriusDecisions, enhanced content-driven sales effectiveness can deliver significant tangible outcomes and competitive advantage:
Increased rep efficiency – less time wasted searching for content, customizing wantonly and recreating content
Improve marketing productivity – content that is developed is used, less investment in wrong types and pieces of content
Improved selling effectiveness – Accelerate win rates, deal velocity, deal size, renewal rates and customer lifetime value (up and cross-sell).
To learn more about content-driven sales effectiveness, join our upcoming webinar featuring SiriusDecisons' Peter Ostrow and Mediafly's Isabelle Papoulias.
Tom "The ROI Guy" Pisello is an entrepreneur, speaker, and author of the book Evolved Selling™: Optimizing Sales Enablement in the Age of Frugalnomics. He joined the Mediafly team in 2018 through the acquisition of the company he founded and led, Alinean Inc. In his role as Mediafly's Chief Evangelist, Tom is responsible for developing new practices for sellers and marketers to communicate and quantify business value to increasingly frugal buyers. He also leads Mediafly's Advisory Services group in helping companies evolve their selling practices from transactional to value-led. Outside of the office, he is the proud father of two daughters.
About Mediafly
Mediafly is a mobile sales enablement solution that enhances how brands engage prospective buyers. By using Mediafly's technology, marketing and sales teams at companies including PepsiCo, Disney, GE Healthcare, MillerCoors and Charles Schwab, are able to deliver custom, dynamic sales presentations quickly and efficiently, engaging customers with insights that are relevant to them. Mediafly's Evolved Selling™ solution enables sellers to be more flexible, insightful and interactive in their sales interactions, resulting in increased sales and stronger customer relationships. Mediafly has been named to the Inc. 5000 list of fastest growing companies for five years consecutively in addition to being named Inc.'s Best Places to Work of 2017 and 2018. Visit Mediafly.com or follow @Mediafly for more information.
Tags: b2b marketers, b2b sellers, CMS, content, Sales Enablement, sales enagement
3 Reasons to Enable Your Sellers with Dynamic Content
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Enjoy 2019 Hall of Fame and Clubmaker of the Year awards ceremony at our meeting room at the PGA Show.
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A 300-Year Struggle
Storm That Drowned a City homepage
The French explorer Jean-Baptiste Le Moyne, Sieur de Bienville made a fateful decision in 1717 when he chose the site for New Orleans along a sharp bend in the Mississippi River. Bienville selected the site against the objections of his chief engineer, who realized that the area suffered from periodic floods. New Orleanians have been paying the price of Bienville's insistence ever since, from the first major flood shortly after the town's founding to the merciless juggernaut that was Hurricane Katrina. Here, follow the historical trajectory of New Orleans' ever-worsening struggle to keep out water.—Peter Tyson
A French foothold
A Frenchman visiting the Mississippi River near what would become New Orleans writes, "This last summer I examined better than I had yet done all the lands in the vicinity of this river. I did not find any at all that are not flooded in the spring. I do not see how settlers can be placed on this river."
The French establish "Nouvelle-Orleans" on the site of an erstwhile Quinnipissas Indian village. (Indians first occupied sites in eastern New Orleans around 500 B.C.) Like the Quinnipissas, the French select the site because it's the highest and driest spot for several miles around. Within a few years slaves are put to work clearing land on the natural levee the French have selected for the town.
Surveyors lay down a grid pattern of streets of some 40 blocks, with drainage ditches around each block and a dirt palisade surrounding the town. A never-ending battle against high water—both floodwaters and high water tables—has begun.
Construction starts on a four-foot-high earthen levee (from the French word lever, "to raise"), the beginning of three centuries of combating high water through embankments. By 1726, the levee remains incomplete, though a section fully 18 feet tall stands before the Place d'Armes (now Jackson Square) in the heart of the nascent town.
After New Orleans floods in 1731, the town's Superior Council mandates that all settlers along the river nearby build levees. By 1732, earth-and-timber embankments reach from 12 miles south of New Orleans to 30 miles north on both sides of the Mississippi.
Floods in the town remain troublesome throughout the 1740s, as city engineers build their levees ever higher to cope with increased flood levels brought on by changes in the landscape upriver. By 1752, landowners have added another 10 miles of levees beyond their 1732 extent.
In this 1875 copy of a 1798 map of New Orleans, one can roughly gauge the width of levees the French built along Bayou Metarie (center left) and Bayou Gentilly (upper right) by the extent of land on either side of the bayous that is not marked by tree symbols.
Into American hands
With the Louisiana Purchase, President Thomas Jefferson acquires New Orleans and an additional 828,000 square miles of land in the south-central U.S. from Napoleon Bonaparte. The purchase price: $15 million.
The first steamship arrives in New Orleans. The town begins to grow as an important trading center, serving as a critical link between the world's oceans and 19,000 miles of river along 31 U.S. states and two Canadian provinces.
After a nearly month-long flood this year drives many poorer New Orleanians from their homes, Edward Fenner, a noted New Orleans medical authority, writes, "should not those in affluent circumstances come to the aid of their less fortunate fellow citizens, great indeed, we fear, will be the distress of the latter, from poverty, famine, and perhaps pestilence."
Another flood in New Orleans produces the highest water recorded up to the time. The deluge sparks a renewed bulwark-building campaign. Laws are now in place both regulating the dimensions and maintenance of levees and mandating a tax to pay for their construction.
Louisiana State engineer P. O. Hebert warns that New Orleans is in "imminent danger of indundation" annually: "Every day, levees are extended higher and higher up the river—natural outlets closed—and every day the danger to the city of New Orleans and to all the lower country is increased. Who can calculate the loss by an overflow to the city of New Orleans alone?"
Two topographic engineers describe the flood of 1849 as the most destructive flood known. A breach in the levee on the east bank of the Mississippi 18 miles above New Orleans does an "immense amount of damage," they write, inundating the city for 48 days. Another flood the following year convinces the federal government to grant monies to build a continuous levee system.
The Louisiana Purchase Treaty secured the present-day states of Louisiana, Arkansas, Oklahoma, Missouri, Iowa, Nebraska, and North and South Dakota.
The levees-only policy
By mid-century, city engineers agree that the best way to control the Mississippi is to force it to flow down a single channel with large levees on either side. The river will of necessity scour out a deeper channel for itself, reducing the flood threat, they believe. This becomes policy until 1927, when a disastrous flood in New Orleans proves the folly of the policy.
Four times between 1849 and 1874, a breach occurs in the Mississippi River levee at Bonnet Carré north of New Orleans, each time sending a flood towards the city at an estimated rate of 150,000 cubic feet per second. One commentator writes that floodwaters swept away "dwellings, sugar-houses, crops, and fences, like chaff before the wind," and even threatened the safety of the city itself.
The worst flood in the Mississippi River up until this time opens more than 200 breaches in the river's levees, most of them in Louisiana, and keeps New Orleans at flood stage for 91 days. One writer says this flood "left the people of the valley prostrate."
In Life on the Mississippi, published this year, Mark Twain scoffs at the Mississippi River Commission's flood-control mission, writing that "One who knows the Mississippi will promptly aver ... that ten thousand River Commissions ... cannot tame that lawless stream ... cannot bar its path with an obstruction which it will not tear down, dance over, and laugh at."
A day-long assault of 30-foot waves overtops coastal levees and destroys a fishing village south of New Orleans, killing 1,500 people.
New Orleans is now the 14th-largest U.S. city, with a population approaching 400,000. Improvements in drainage technology, foremost among them a new screw pump invented by engineer Albert Baldwin Wood, enable the city to start expanding northward toward Lake Pontchartrain in the 1920s.
The Army Corps of Engineers finishes connecting New Orleans to the Gulf Intracoastal Waterway, a 1,300-mile canal stretching from Texas to Florida. During Hurricane Katrina in 2005, this waterway will unfortunately provide a direct route for storm surge into eastern New Orleans.
On April 29, with dangerously rising floodwaters in the Mississippi threatening to overwhelm New Orleans, Louisiana's governor orders the Army Corps of Engineers to dynamite a levee along St. Bernard Parish, allowing floodwaters to drain across the parish's rural neighborhoods and wetlands to Lake Borgne and the Gulf of Mexico. New Orleans proper is saved, but the parish is devastated. More than 200 people die and 700,000 are left homeless. The disaster marks the end of the levees-only policy; as one writer puts it, "a policy had been breached and the pouring waters were sweeping an era away."
Workers strengthen a levee in the Third District, 1900.
Spillways and sprawl
Congress acts swiftly to address the flood-control problem, passing the 1928 Flood Control Act. Ostensibly the act says that the Mississippi cannot be managed by levees alone, but also requires spillways and reservoirs. The act authorizes the building of a spillway at Bonnet Carré near Lake Pontchartrain to shunt floodwaters away from New Orleans and into undeveloped areas.
The wetlands between New Orleans and Lake Pontchartrain, which provide habitat for wildlife, trapping and other livelihoods for residents, and, perhaps most importantly, hurricane protection, continue to disappear as the government drains them and people build homes there. Marsh loss in southern Louisiana will reach 35 square miles a year or more over the coming decades, a rate that by the time Katrina hits in 2005 will have a severe impact.
The 7,000-foot-long Bonnet Carré spillway is finally completed. It includes 350 openings, each bearing 20 timber planks that can be individually removed to increase flow out of the spillway. Within a year it earns its keep, protecting New Orleans from the flood of 1937 by sending floodwaters across a narrow strip of land into Lake Pontchartrain. The spillway will successfully do the same seven more times over the next 60 years.
Corps engineers complete the Mississippi River-Gulf Outlet, a 76-mile canal that offers a direct route for ships between New Orleans and the Gulf of Mexico, saving valuable time over traveling up and down the sinuous Mississippi. But like the Gulf Intracoastal Waterway, the canal also serves as a highway to New Orleans for hurricanes and their storm surges.
During a flood, workers can remove individual timbers and place them atop the Bonnet Carré Spillway, allowing for very precise release of floodwaters.
Hurricane Betsy sideswipes New Orleans, killing several dozen and becoming the first storm to cause more than $1 billion in damage. Four parishes sustain significant flooding. "God, it was like one giant swimming pool as far as the eye could see," one resident of Chalmette recalled. "A woman who lives down the block floated past me, with her two children beside her."
From 1559 to 1969, 160 recorded hurricanes struck Louisiana, an average of one hurricane every two and a half years. With the state's and New Orleans' vulnerability to hurricanes in mind, as exemplified by Betsy, the Army Corps of Engineers in the 1960s develops its first hurricane-protection plan for the city and state.
In April, the worst flood since 1927 hits the city. More than two dozen people die, and damage is estimated at $427 million. But the levees hold, preventing a much greater catastrophe. For the first time in history, a major flood has been diverted successfully to the sea.
In response to Hurricane Betsy 20 years earlier, city engineers finally approve hurricane-protection projects along the New Orleans lakefront and in St. Bernard Parish. The projects include strengthened seawalls and levees along the lakefront as well as within the Industrial Canal and along the Mississippi River-Gulf Outlet. The projects are 80 percent complete by 1994.
Hurricane Betsy flooded 164,000 homes when she swept through the New Orleans area in September 1965.
New Orleans becomes America's number-one seaport in total tonnage handled.
Twenty inches of rain fall in a single day, causing seven deaths and $1 billion in damage across three parishes. With an average rainfall of 58 inches, New Orleans is one of the rainiest cities in the U.S. And with the city having expanded into numerous low-lying areas, it has become extremely vulnerable to floods not just from the river and hurricanes but from its own protracted rainy season.
Improved protection along the London Avenue, Orleans Avenue, and 17th Street Canals in Orleans Parish is 90 percent complete. The improvements include lining the three canals with "I" walls and building 10 flood-proof bridges where roads cross the canals. New Orleans, it is thought, is now well prepared to withstand a Category 3 storm.
Hurricane Katrina, a Category 4 storm when it makes landfall on August 29, precipitates the greatest natural disaster in U.S. history, killing more than 1,000 people, leaving 100,000 homeless, and causing damage in the hundreds of billions of dollars. Most of New Orleans is underwater as overtoppings and breaches occur in the 17th Street, London, and Industrial canals as well as along the Gulf Intracoastal Waterway and Mississippi River-Gulf Outlet. (For more details, see How New Orleans Flooded.)
In the wake of Hurricane Katrina, New Orleans' Superdome served for countless displaced residents as an island in a sea of inundation.
Transforming New Orleans and Its Environs: Centuries of Change
Craig E. Colten, editor. University of Pittsburgh Press, 2000
Land's End: A History of the New Orleans District, U.S. Army Corps of Engineers, and Its Lifelong Battle With the Lower Mississippi and Other Rivers Wending Their Way to the Sea
by Albert E. Cowdrey. U.S. Army Corps of Engineers New Orleans District, 1977
Storm That Drowned a City homepage | NOVA homepage
© | Created November 2005

redpajama_set_name: RedPajamaCommonCrawl


Coachhouse comprises a two-story brick building that was originally constructed as a garage between 1907 and 1911. It was historically associated with the adjacent mansion built in 1905, the rear of which is visible in the context photos. Coachhouse is situated on an alley and a major avenue — Florida Avenue — with a courtyard between the building and the street.
Our client came to us with the goal of making Coachhouse their home. Their program required one more floor. Working through Zoning and the Historic Preservation Review Board, we gained permission to add one floor. Design goals for Coachhouse included the following.
Follow the principle of the second man, recalling Coachhouse's allegiance to its neighbor by mirroring the neighbor's configuration of solid mass and sleeping porch.
Enhance the diminutive scale of Coachhouse in the neighborhood and on the avenue, and give it presence where it had little to none before.
Create a home whose character marries its several identities — part coachhouse, raw and exposed; part repository for the homeowner's extensive and eclectic object collections; and part modern sleeping porch.
Bring light in along the west windowless party wall through the creation of a skylit stair zone.
Address the foreground of Coachhouse with a redesigned courtyard, and drive.


As reported by the Hillsborough County Sheriff's Office, there will be a heightened DUI patrol in all districts of the county Wednesday January 23, 2013. This patrol will be longer than usual lasting from 10 p.m. Wednesday night all the way until 5 a.m. the following morning. During this time they will have no BAT or transports available for onsite blood testing, they will however conduct various other measures of field sobriety tests to those whom they suspect are under the influence.
When accused of driving under the influence of alcohol, it is absolutely essential to realize how important your every step is from this point on; and contacting a DUI defense attorney immediately is among some of the most important steps. At our firm, we are dedicated to making sure that every client has the opportunity to fight for their freedom, no matter the level of charges placed against them.
There are a variety of different field sobriety tests that the arresting officer can have you do in order to determine whatever you are under the influence of drugs or alcohol. For example, the walk and turn requires that you take 9 steps toward with your heels to toe for each step. While for some this test may determine that they are uncoordinated and therefore drunk, for others this test may also just be proving the fact they have bad balance. They may also have you balance on one foot or have you follow an object with your eyes. In some cases they will do a breathalyzer test on the spot in order to determine your blood alcohol content levels.
It is important to know that while these tests are trusted by law enforcing officials, they are not always accurate. In the event that you have been accused of a DUI, contact Thomas & Paulk, P.A. today for the aggressive Tampa DUI defense attorney that you need to fight for you.


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redpajama_set_name: RedPajamaGithub


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Rules of Evidence Advisory Committee
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Active dates:1974 -
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1974 Minn. Laws Chap. 481 Sec. 1 Subd. 2
Minn. Stat. 480.0591
Function: The supreme court may promulgate rules of evidence regulating all evidentiary matters in civil and criminal actions in all courts of the state. Before any such rules are adopted the supreme court shall appoint an advisory committee consisting of eight lawyers licensed to practice law in the state and at least two judges of the district court to assist the court in considering and preparing such rules.
Before any such rule is adopted, the supreme court shall distribute copies of the proposed rule to the judiciary and attorneys of the state for their consideration and suggestions and give due consideration to such suggestions as they may submit to the court.
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Oakland Athletics : The Drumbeat
Bartolo Colon suspended for drug violation
By Gerry Spratt on August 22, 2012 at 10:36 AM
A's starting pitcher Bartolo Colon has been suspended 50 games for a violation of Major League Baseball's Joint Drug Prevention and Treatment Program.
Colon, 39, reportedly tested positive for testosterone. He will miss the final 40 games of the regular season and 10 postseason games if the team makes it that far.
The A's were 1/2 game behind the Orioles and Rays in the American League wild card race going into Wednesday's game.
Colon is the second Bay Area player to get a 50-game suspension in the past week for elevated testosterone. Giants outfielder Melky Cabrera was suspended Aug. 15.
"It's a shock," A's reliever Grant Balfour said. "He's a guy that we're definitely relying on right now. I guess you could say it's bad timing any time, but especially now."
Colon has enjoyed a resurgence this season, going 10-9 with a 3.43 ERA.
Like Cabrera, Colon issued an apology and accepted his penalty.
"I apologize to the fans, to my teammates and to the Oakland A's," he said in a statement released by the players' association. "I accept responsibility for my actions and I will serve my suspension as required by the Joint Drug Program."
The team released the following comment Wednesday morning:
"The Oakland Athletics are disappointed to learn of today's suspension of pitcher Bartolo Colon. The organization fully supports Major League Baseball's Joint Drug Prevention and Treatment Program and its efforts to eliminate performance-enhancing substances from our game. Per the Basic Agreement, the A's will have no further comment."
Colon will lose the remaining $469,945 of his $2 million base salary this year. He also has earned $750,000 in performance bonuses based on starts and $150,000 based on innings, which is not impacted. Thursday's start would have earned him another $250,000, and the suspension will cost him the chance to make $850,000 in additional bonuses based on innings.
Five players have been suspended this year under the big league drug program. Giants reliever Guillermo Mota was suspended 100 games in May following his second positive test, and Phillies infielder Freddy Galvis and free agent outfielder Marlon Byrd were suspended 50 games each in June.
This story includes information from The Associated Press.
Gerry Spratt
Tweets from @SFGate/oakland-a-s


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By on in England, Golf Great, Scotland
Alister MacKenzie (30 August 1870 – 6 January 1934) was a Scottishgolf course architect whose course designs span four continents. Originally trained as a surgeon, MacKenzie served as a civilian physician with the British Army during the Boer Warwhere he first became aware of the principles of camouflage. During the First World War, MacKenzie made his own significant contributions to military camouflage, which he saw as closely related to golf course design.[1] He is a member of the World Golf Hall of Fame. He designed more than 50 golf courses including three that remain in the 2016 top 10 golf courses in the world:[2]Augusta National Golf Club and Cypress Point Club in the US, and Royal Melbourne Golf Club (West Course) in Australia.
In 1914, MacKenzie won a golf hole design competition organized by Country Life; the adjudicator was Bernard Darwin. MacKenzie then took an active interest in course improvements at his own clubs, gaining experience in the newly emerging discipline of golf course design. He charted the Old Course at St. Andrews in great detail; by 1915 he had become a member of the R&A. In March 1924, he produced a map which remains well-known to the present day.
Following the First World War, MacKenzie left medicine and began to work instead as a golf course designer in the United Kingdom, in association with Harry Colt and Charles Alison in 1919, with whom he formed the London firm of Colt, MacKenzie & Alison.[7] Four years later, MacKenzie went his own way.
england, MacKenzie, scotland
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"America's Got Talent" Delivers the #1 Results of the Night on Tuesday, Matches Pre-Olympic 18-49 Rating
NBC spins the numbers for Tuesday, August 14.
[via press release from NBC]
Tuesday Results:
· NBC is #1 for the night among ABC, CBS, NBC and Fox in adults 18-49 and total viewers, sweeping all six half-hours among those networks in 18-49.
·	From 8-10 p.m. ET, "America's Got Talent" (2.7/8 in 18-49, 9.8 million viewers overall) delivered the #1 results of the night on ABC, CBS, NBC and Fox in adults 18-49 and total viewers. In the time period, "Talent" is #1 among ABC, CBS, NBC and Fox in adults 18-49 and total viewers ahead of Fox's "MasterChef" and Tuesday debut of "Hotel Hell." From its first half-hour to its fourth, "Talent grew by 21 percent in 18-49 rating (to a 2.9 from a 2.4) and 11 percent or 1.0 million persons in total viewers (10.1 million vs. 9.1 million).
·	"Talent" returned to the schedule with no fall-off versus its last pre-Olympic Tuesday telecast in 18-49 (with a 2.7 rating vs. a 2.7 on July 24), while in 2008, the first post-Olympic "Talent" was down 11 percent versus the last pre-Olympic edition. In total viewers, last night's "Talent" finished within 6 percent of the last pre-Olympic result (9.822 million vs. 10.431 million, pending updates), while the 2008 returning telecast was down by 12 percent.
·	The 2.7 rating for "America's Got Talent" in 18-49 matches the show's highest for any night of the week since Tuesday, July 10.
· From 10-11 p.m. ET, an encore telecast of "Stars Earn Stripes" (1.4/4 in 18-49, 4.0 million viewers overall) ranks #1 among ABC, CBS and NBC in the time period in adults 18-49 and most other key demos.
· Pending updates, the "Stars Earn Stripes" rebroadcast is running within 0.3 of a point of Monday's original telecast of the "Stars" premiere in 18-49 (1.4 vs. 1.7).
·	"Stars Earn Stripes" is currently delivering NBC's highest 18-49 rating in this time period, excluding the two weeks of Olympic preemptions, since June 26.
In Late-Night Metered Markets Tuesday night:
·	In Nielsen's 56 metered markets, household results were: "The Tonight Show with Jay Leno," 2.2/6; CBS's "Late Show with David Letterman," 2.6/7; and ABC's combo of "Nightline," 2.7/6; and "Jimmy Kimmel Live," 1.3/4.
·	In the 25 markets with Local People Meters, adult 18-49 results were: "The Tonight Show with Jay Leno," 0.7/3; "Late Show," 0.6/3; "Nightline," 0.9/4; and "Jimmy Kimmel Live," 0.5/3.
·	At 12:35 a.m., "Late Night with Jimmy Fallon" (1.1/4 in metered-market households) trailed CBS's "Late Late Show with Craig Ferguson" (1.2/4 with an encore). In the 25 markets with Local People Meters, "Late Night" (0.4/3 in 18-49) tied "Late Late Show" (0.4/2 with an encore).
·	At 1:35 a.m., "Last Call with Carson Daly" averaged a 0.7/3 in metered-market households with an encore and a 0.3/2 in adults 18-49 in the 25 markets with local people meters.
NOTE: All ratings are "live plus same day" from Nielsen Media Research unless otherwise indicated.
· HOTEL HELL (FOX)
· MASTERCHEF (FOX)
· STARS EARN STRIPES (NBC)


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K-12 Schools Memphis Area
West Memphis School District
West Memphis School District is a public school district located in West Memphis, AR. It has 5,385 students in grades PK, K-12 with a student-teacher ratio of 12 to 1. According to state test scores, 30% of students are at least proficient in math and 27% in reading.
wmsd.net
301 S Avalon
West Memphis, AR 72301
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518 S Roselawn Dr
3069 Ford Rd
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Elementary Schools in West Memphis School District
Bragg Elementary School
Faulk Elementary School
Maddux Elementary School
Middle Schools in West Memphis School District
West Junior High School
East Junior High School
Wonder Junior High School
High Schools in West Memphis School District
The Academies of West Memphis Charter School
This is the percentage of 12th graders who graduated. Because states calculate graduation rates differently, use caution when comparing this data to data from another state.
Niche users from this school district are most interested in the following colleges.
University of Arkansas at Little Rock
More About West Memphis School District Academics
This is the percentage of students who are eligible to receive free or reduced price lunch. Not all eligible students exercise this option, especially at non-traditional schools like online schools.
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Expenses Per Student
$15,605/ student
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West Memphis School District Reviews
I loved my experience at West Memphis High School. I've attended this school my 10th-12th grade year. The teachers and staff members or amazing and very helpful, they try to help everyone the best way they can. Like now since our school year has been cut short due to this virus they are all keeping in touch with us helping kids still find colleges to attend.
Start Your Review of West Memphis School District
West Memphis school district is not only a wonderful school, it is also a place that feels like family. I personally love the fact that us school kids have a choice to perticipate in college course class that offer certificates to help us out when we graduate whether it is finding a job or going directly back to college. The school is great, but the only thing I could possibly wish they would change is the no food in class room and that is simply because sometimes kids rush out the house due to being late for school. Therefore that child has not ate and is not focused on work because the brain is not fueled. Versus the child having minor snack and fueling their brain so they can focus.
I have only been enrolled in the school for one and half years, due to family issues. I have enjoyed my time and experience at West Memphis High school. I have made bonds and connections that will stay with me for the rest of my life. No school is perfect, and although West Memphis was far from perfect, it is all about perspective.


The National bank of Kyrgyz Republic (NBKR) requested FIRST assistance to design a medium-term microfinance strategy to influence the development of the sector. Following the design of the strategy, a Working Group worked on monitoring and overseeing its implementation. This group consisted of donor, government and microfinance institution (MFI) representatives and they met once a month. A local technical secretary coordinated the meetings and reported to FIRST monthly on the progress.
The consultants surveyed the microfinance sector, largely by comprehensive interviews with all stakeholders including many of the donors such as Asian Development Bank, European Bank for Reconstruction and Development, United States Agency for International Development, World Bank Group and many others. Secondly, they developed a SWOT analysis for the sector and this in turn drove the development of the strategy. Finally, they developed an action plan for implementation of the Strategy. The Government formally adopted the strategy by decree on December 30, 2005.
FIRST's technical assistance to the Working Group ended as of 31 January 2007, however the group will continue to meet to address the issues in the sector.
In 2002, the law on microfinance organizations in the Kyrgyz Republic was adopted and NBKR was given regulatory and supervisory authority over these institutions and exchange offices. 18 regulations have been issued regarding non-bank financial institutions (NBFIs) by the NBKR since this law was adopted.
The Kyrgyz Republic's microfinance sector is comprised of microfinance organizations and specialized finance and credit institutions, including the Kyrgyz Agricultural and Finance Corporation (KAFC), the Financial Company on Supporting and Developing Credit Unions (FCSDCU), credit unions and pawnshops. In 2004, 104 microfinance organizations were registered (78 micro-credit companies and 26 micro-credit agencies), 305 credit unions, 116 pawnshops, the KAFC and FCSDCU. Small MFOs, having small staff and less than 100 borrowers, operated in the market alongside large MFOs like FINCA with more than 20 thousand borrowers. There were also more than 300 CUs operating in the country.
Thus, the microfinance market was not clearly segmented from the rest of the financial market. Although there was a common understanding about the type of clients - consumers of microfinance services, there were no specific providers of these services that monopolized this market.
Over ten years of the development, the microfinance sector achieved significant success. Kyrgyzstan is the first country in Central Asia where both the law on microfinance organizations and the law on credit unions have been adopted. This demonstrates significance that the state attaches to the development of the microfinance sector. The microfinance market in this country is characterized by a wide diversity of participants engaged, and the Government of the Kyrgyz Republic, the National Bank of the Kyrgyz Republic and international donors actively support the development of this sector.
This project is another good example where FIRST could fill a gap not covered by other donors. Despite almost $86 million invested in the sector in recent years by bi-lateral donors (including SECO, GTZ, DFID, USAID) and multi-lateral development banks (including ADB, World Bank, EBRD), FIRST was the program that developed a strategy for development of the sector.
The establishment of a Working Group comprising key stakeholders (and donors) was a major factor in ensuring the development of a comprehensive strategy and a rapid buy-in to support it.
This technical assistance was also an excellent example of a "short, sharp intervention" by FIRST, delivered through excellent consultants, with a substantial outcome.


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Michelle Obama's Former Chief of Staff Leads Hollywood's Greatest Fight Against Sexual Harassment
· January 3, 2018 ·1 min read
Editor's Note: The article has been altered to clarify Sheryl Sandberg's COO title at Facebook.
The Time's Up Legal Defense Fund, created to help women in every workplace across the United States, is led by Asian-American attorney and former chief of staff to Michelle Obama, Tina Tchen, and attorney Nina Shaw.
The legal defense fund, now known online with the hashtag #TimesUp, was inspired by the #MeToo movement that raised sexual harassment awareness in many workplaces in America following the Harvey Weinstein scandal.
According to AsAm News, the fund has generated over $14 million donations so far, with $15 million as its total goal. Its purpose is to ensure and give women, who can't afford to hire a legal defense attorney, a fighting chance to combat sexual harassment in their workplace.
"The real object of the fund is to make sure that women who are the voiceless and really don't have representation and are afraid to come forward know now they have access to legal resources," Tchen said. "So anyone who needs us, we have partnered with the National Women's Law Center, a 45-year old women 's rights organization. They'll be the home for the Times up Legal Defense Fund."
So far, 300 notable Hollywood personalities have raised their support for the #TimesUp movement and donated to the cause. Some of the celebrity names on the list include Reese Witherspoon, Kerry Washington, Ashley Judd, Eva Longoria, Emma Stone, America Ferrera and Natalie Portman, according to ABC News.
Many important people behind the camera have also joined the fight against sexual harassment, including Facebook COO Sheryl Sandberg, director Ava Duvernay, producer Shonda Rhimes, "Wonder Woman" director Patty Jenkins and many more.
Violent Robber Targeting Asian Mothers with Children in San Jose Finally Arrested
There are also some men who donated to the Time's Up Legal Defense Fund.
The Telegraph reported that "ET" director, Steven Spielberg, donated $2 million dollars to the cause through the Wunderkinder Foundation. "Star Wars: The Force Awakens" director, JJ Abrams, along with his wife Katie McGrath, also donated $1 million. Former NSYNC band member and now Hollywood actor Justin Timberlake also donated to #TimesUp along with his wife Jessica (née Biel).
"It's not just about sexual harassment. It's about changing the way our work places work to make them fairer for everyone. And we need men and women and everyone involved," Tchen said.
Those who want to make a donation can head over to the cause's GoFundMe page.
Asian-Americancrowdfundinggofundmesexual harassment


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Research could improve nuclear power plant safety – and stop your kettle furring up
Faculty of Engineering and Physical Sciences news Thursday 4 December 2014
Taking inspiration from nature, researchers have created a versatile model to predict how stalagmite-like structures form in nuclear processing plants – as well as how lime scale builds up in kettles.
"It's a wonderful example of how complex mathematical models can have everyday applications," said Dr Duncan Borman, from the School of Civil Engineering at the University of Leeds, a co-author of the study.
The main aim of the research, which is published in print today in the journal Computers & Chemical Engineering, is to reduce the number of potentially harmful manual inspections of nuclear waste containers.
"We were approached by the National Nuclear Laboratory and Sellafield Ltd to solve the problem of predicting the shapes that precipitates from nuclear process solutions can form in containment chambers," said Dr Borman.
Study co-author Professor Daniel Lesnic from the School of Mathematics at the University of Leeds, added: "Our first thought was to find a suitable analogy in nature. At first we looked at how lava flows from a volcano to the ocean, but the formation of stalagmites in caves mimics the process much more closely.
"Geologists have well-established models for the formation of stalagmites. So we are taking models from one field of science and applying them to a completely different discipline."
Within the nuclear industry, hazardous salt solutions can arise within industrial containment vessels. The salt solution precipitates out, forming structures with strange morphologies that bear a resemblance to stalagmites. If left unchecked, they could build up and cause a problem in the nuclear containment chamber. Currently, these containment chambers are checked regularly to prevent this from happening.
In the study, the researchers used an existing model for predicting stalagmite growth over millions of years as a starting platform. To take into account the full complexity of the mechanism by which the solid is formed, the model was then adapted to include the chemical and physical properties of the particular salt solution of interest to the nuclear industry, a more realistic fluid flow, and to consider the sensitivity of results to varying temperature.
Lead author of the study, Dr Mike Dawson from the School of Chemical and Process Engineering at the University of Leeds, who started the research during his PhD studies, said: "It took many months of intensive research to develop the model. The big test came when we tested the model against real data from the National Nuclear Laboratory.
"Our model stood up to the test. For the first time it was possible to predict the morphology of these complex crystallising flows reliably."
Dr Borman said: "This breakthrough provides a new tool for the National Nuclear Laboratory and Sellafield Ltd, with the potential to save both money and continue to ensure they are at the forefront of world-leading safety technology."
The new model also has wider application to other industrial and domestic situations where a salt solution precipitates out and causes problems, such as forecasting the precise shape and location of build-up in pipes or heat exchangers – or how lime scale will collect within a kettle.
Dr Borman said: "The processes underlying the build up of lime scale in a kettle are remarkably similar: the flow of a liquid containing a dissolved mineral – in this case calcium carbonate from hard water – over a surface of changing temperature, can result in solids precipitating out and leaving the build up of solid material behind.
"Using the model we have developed, manufacturers could improve the design of kettles such that these unwanted build-ups are minimised by repositioning filaments or designing them so that deposits form in locations that are easy to clean."
The research paper, Moving boundary models for the growth of crystalline deposits from undetected leakages of industrial process liquors, is published in the journal Computers & Chemical Engineering on 4 December 2014.
Mike Dawson's research was funded by a CASE PhD studentship offered by the National Nuclear Laboratory, Sellafield Ltd and the Engineering and Physical Sciences Research Council (EPSRC).
The researchers are available for interview. Please contact Sarah Reed, Press Officer at the University of Leeds, on 0113 343 4196 or email s.j.reed@leeds.ac.uk
Image credit: NNL


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Affiliati has the most experienced and expert team in affiliate marketing.
We Are Marketers. We Are Thinkers. We Are Strategists.
Affiliati is steered by the most seasoned and skilled team in affiliate marketing, creating an environment for both advertisers and publishers to reach their full potential. We help guide our partners toward a shared vision and collaborate every step of the way until it becomes reality. Our diversity, adaptability and transparency enable us to lead by example, showing integrity and passion in everything we do. Our team aims to inspire and bring out the best in our partners to achieve success unmatched by any other affiliate marketing network.
Join Affiliati today and take your business to the next level and beyond.
Sonny Palta
Founder & CEO Sonny Palta started Affiliati in 2011, after graduating from The University of Miami. With a background in Economics, Entrepreneurship, and Finance, he analyzed and saw an opportunity in the Performance Marketing sector to build a robust, service-oriented marketplace to help facilitate the relationship between Advertisers and Publishers. While Affiliati started as a bootstrapped, one-man shop - Mr. Palta's sales ability & vision quickly led to scale and company position as one of the top Performance Marketing companies in the world. In it's current evolution, Affiliati continues to be an industry leader by bringing new entrants to the world of Performance Marketing; Employ best-in-class custom technology to eliminate fraud & maximize LTV for clients; and launch internally owned & operated products. Mr. Palta focuses on the overall vision & execution of these core objectives, while leading the overall company's trajectory: "I attribute 100% of our success to the amazing team we have at Affiliati. From the longest-tenured to our new hires, we strive to espouse our corporate values of client service; authentic relationships; opportunistic mindset; and involvement in our local communities." Sonny Palta is a proud father of four, and Hurricane Alumnus from The University of Miami. He enjoys Live Music, Sports, and is an aspiring amateur bocce ball player.
Sean Falls
Sean Falls began his professional career as a life insurance broker, which lead to a transition into owning his own insurance agency. Sean eventually left the insurance world to pursue his interests in the motorsports field, founding and operating a successful custom shop. After selling the motorsports business, he joined Affiliati in 2013, and began by sourcing and managing clients on all sides of the business, helping to spur the rapid growth of the company in the early years. In his next role as Vice President of Sales, Sean was tasked with taking Affiliati to the next level of revenue generation through hiring, training, as well as continuing the direct management of key clients. In his current role as Chief Revenue Officer, Sean has spent the last several years focused on high level growth initiatives for the company, with a strong focus on creating new revenue channels as well as firmly placing Affiliati as a tier one performance network in the marketplace. Sean has a Bachelor's degree in Business Administration from Drake University. Outside of work you'll find Sean spending time with his son participating in their favorite hobbies of boating, snowmobiling, and spending time with their dogs.
Brian McClintock
Mr. McClintock is an MBA with over 25 years of experience in telecommunications and technology. Mr. McClintock is recognized as a result oriented global executive experienced in driving financial performance through the application of meaningful performance matrices and established deliverables. Mr. McClintock exhibits a progressive career built on broad operational experience. A systems thinker with a deep project management background in start-up, turnaround, expansion, and consolidation business situations. Mr. McClintock has served as CEO, COO, CFO and Vice President of several successful and profitable telecom, technology/software, marketing, and professional services ventures in the United States. To each, measurable gains in revenues, profits, and market recognition were delivered during his tenure. Mr. McClintock's leadership positions include serving as the CFO/COO and Board Member of Affiliati Network, in this role he was responsible for guiding the operational efficiency of the company in conjunction with the fiscal responsibility needed in a private equity environment. Additionally, as the CFO of Lingo Communications he was responsible for the realization of transaction synergies, deal structure and negotiation and due diligence. Mr. McClintock has obtained new financing for companies and has liquidated others. Mr. McClintock holds a BA in Business Management from the University of Lynchburg and an MBA with a specialization in Finance from La Salle University.
VP OF BUSINESS OPERATIONS
Sarah Graham started her career as an IT professional before crossing over to billing operations, product development, project management, and profitability assurance early in her career. Ms. Graham has over 25 years of experience in executive management in a variety of industries including telecommunications and publishing. As Vice President, she has guided companies through acquisition integrations and has specialized in industry relations. Ms. Graham has a Bachelor's in Computer Information Systems from the University of Southern Indiana with an emphasis on business. One of her proudest accomplishments is her work on the Oklahoma bombing case analyzing the call records between the bombers and their suppliers leading to her testifying in Oklahoma City. Outside of work, Ms. Graham enjoys the beauty of Santa Barbara with mountain hikes and beach walks with her family and dogs.
Julie Corripo
VP OF COMPLIANCE & SALES INTEGRATION
Julie Corippo is the Vice President of Compliance and Sales Integration at Affiliati Network. Over the last 8 years with Affiliati, Julie's focus has been management of offer builds, testing, and troubleshooting, in addition to external and internal compliance. Before moving to her current role, Julie previously was the VP of Technology at Affiliati Network and was responsible for all aspects of offer management including building offers and contract management. Before joining Affiliati Network, Julie had over a decade of experience implementing ERP systems in the manufacturing industry, including training clients, and technical support at IQMS. Previously she was a sales and account manager for both Axiohm Solutions and Medical Billing Technologies. Julie earned her Bachelor of Science in Psychology from California State University at Fresno.
EXECUTIVE VICE PRESIDENT of SALES & MARKETING
As the Executive Vice President of Sales & Marketing at Affilliati Network, Mike manages the teams responsible for fueling growth, market entry and expansion, positioning, and ensuring a seamless and excellent customer experience. Mike has spent his entire career helping companies grow strategically, operationally, and from a talent-management perspective in professional services, manufacturing, and financial services. Select achievements include helping several start-ups grow organically and through acquisition, navigate acquisitions and integrations, and achieve successful exits. Mike excels at building sales, marketing, and organizational alignment to achieve meaningful and sustainable growth. Outside of work you'll find Mike and his wife Danielle enjoying city life in Chicago, running, cycling, donating their time to worthy causes, and making sure Nina gets enough time at the dog park.
Virginia Tam
Virginia Tam serves as Affiliati Network's Controller with more than 20 years of accounting experience. She oversees Accounting operation. Before joining the Affiliati Network team, she held management level positions at Impact Communications, TNCI and KPMG Consulting. Originally from Hong Kong, China, Virginia graduated with a Bachelor of Science in Accounting from Boston College. Virginia and her family resides in Melrose, Massachusetts.
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Minimum quantity for "Cherry Sunburst" is 1.
An ideal cherry tree for the garden. A slow growing variety that should need minimal pruning yet produce a good crop of large delicious red cherries. This variety if self - fertile so does not necessarily require a partner tree for pollination purposes, although a partner may often help improve yield.


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BOMBSHELL: Report Released, Confirming Obama's Treason
(TeaParty.org Exclusive) – A lot of folks have been looking for someone to pin the blame on for the current disaster befalling the nation of Afghanistan, with tons of folks rightly putting it squarely on the shoulders of Joe Biden, while others have wrongfully blamed Trump.
You see, President Donald Trump was planning to pull troops too. However, that action was based on certain conditions being met first. Biden's withdrawal was unconditional, which is totally the wrong way to carry out the order.
However, according to a report from WND, there's one other person who deserves a big chunk of the blame for what's happening in Afghanistan. And that's none other than former President Barack Obama who released the Taliban leader who ended up being the mastermind behind the terrorist organization's takeover.
Khairullah Khairkhwa is one of the five leaders that Obama released from Guantanamo back in 2014 in exchange for U.S. Army deserter and coward Bowe Bergdahl. Khairkhwa was actually part of the official delegation that was in negotiations with Biden and his administration to finalize terms of the withdrawal of U.S. troops, which helped to clear a path for the Taliban to then take over Afghanistan.
"U.S. intelligence officials regarded the Taliban Five as the 'hardest of the hardcore' and urged Obama to reconsider his decision to release them from the Guantanamo Bay prison. Sperry noted that Obama assured Americans the jihadist leaders would be transferred to Qatar and prevented from causing any trouble," the report said.
"In fact, they were left free to engineer Sunday's sacking of Kabul," the New York Post's Paul Sperry writes.
"After the release of the Taliban Five, the Obama-Biden administration then turned a blind eye to intelligence reports and the pledge of the commanders to return to fight Americans in Afghanistan. Using Qatar as a base, they made contacts with active Taliban militants in Afghanistan," the report continued.
Khairkhwa recently stated at the peace summit with the United States that the prime objective of the Taliban was to establish Islamic law in Afghanistan.
"I started jihad to remove foreign forces from my country and establish an Islamic government, and jihad will continue until we reach that goal through a political agreement," Khairkhwa went on to say.
"Sperry pointed out that earlier this year, Khairkhwa promised not to retaliate against any Afghans who worked with the U.S. military or the American-backed government in Kabul," WND's report noted.
However, new reports that are emerging from Kandahar and Kabul seem to indicate that the Taliban are currently going door-to-door with a kill list. Hardly sounds like a peaceful bunch, right?
Sperry then stated in his report that the Taliban leader previously served as the interior minister for the Taliban in Afghanistan, where his duties included oversight of enforcing Islamic-law punishments. You know, barbaric stuff like chopping people's heads off and stoning them to death. Such a progressive bunch, eh?
Muhammed Arif Mustafa, a Taliban commander, recently conducted an interview with fake news kings, CNN, where he plainly stated the group's ultimate objective.
"It's our belief that one day, mujahedin will have victory, and Islamic law will come not to just Afghanistan, but all over the world. We are not in a hurry. We believe it will come one day. Jihad will not end until the last day," he said during his interview.
One journalist for the network said the remarks are "a chilling admission from a group that claims it wants peace."
"The Taliban does indeed want peace," Spencer said in his report. "It wants the peace that will follow the world's submission to the hegemony of Islamic law."
"Earlier this year, Khairkhwa assured the administration that the Taliban would not launch a spring military offensive if Biden committed to removing all remaining American troops. He also promised not to retaliate against any Afghans who worked with the US military or the US-backed government in Kabul. But Khairkhwa showed no signs of remorse or rehabilitation inside Gitmo — if anything, he's probably more embittered toward the United States. Why would they believe him?" The NY Post reported.
So, when you see all of the atrocities that are currently unfolding in Afghanistan, it's not just Joe Biden's fault. It's Obama's too. All so he could get points for saving a deserter like Bowe Bergdhal.
WATCH: Whistleblower Comes Forward To Expose "Dirty" Truth About The COVID-19 Vaccine
Incoherence, Surrender: Yup, That's What America Under Biden Administration Is All About


Give me your money or your life? In the interest of full disclosure, this is not a hold up! Do you have to choose? Every personal finance expert talks about the need for a budget, reducing your debt and saving for retirement. After forty (40) years what do you have?
This is not an either or question! What kind of life do you want to have? Are you willing to deny yourself all the pleasures of life so you can have a great retirement? There are a lot of personal finance experts that say sacrifice now for something later. The mantra is delay gratification! It sounds like a financial diet to me. Can you do this for forty (40) years? I did not and I want to share how I did it.
I was very fortunate to have parents who taught me a lot about money. They never sat me down and actually taught me anything. In fact, they never had any time for me. I was sent away to school at eleven years old. They worked 24/7 and never had time for me. Don't feel sorry for me, I turned out okay and I broke the cycle with my own children. I just thought you need to understand what influenced me growing up. I grew up hungry for recognition and I was always fascinated with money.
My parents sent me to a fancy prep school, but gave me very little money as an allowance. I received $2 per week when many of my fellow students received as much as $40 per week. To put this in context, everything was paid, unless I wanted an afternoon snack on the weekend. This materially affected me. I was forced to save my money to have some of the things my friends could buy with their increased allowance. I was always a saver, but this kept me inline.
For six (6) years, I was away at school. Every summer, my parents kept me busy taking classes or going to summer camp. They did not have time for me! I graduated prep school at seventeen (17) and found my first job. I earned a lot of money as a commission salesman. I used those funds as my spending money in college. I think I did that to have some independence. I paid myself an allowance. I had $10 per week to cover laundry, Sunday night meal, dating and haircuts. Things were less expensive in the sixties (60s), but I had to be creative.
When I needed additional money, I did paid laboratory experiments, took in ironing and reduced my expenses. My college years taught me how to survive with practically no money. I learned how to date for free or very little money. University football or sports were included in the fees, but everyone went for drinks after the game. A couple draft beers had to last and a lot of double dating. I found free art gallery opening, beach outings, picnics and long walks were some of dates.
I met my wife in college and I am married forty-three (43) years. This is not the time to express my love; instead we have the same goals, values and enjoy the same things. I try to get the most value out of everything we do and she provides the wonderful environment for it. We started out without any debt, one new car (graduation present) and some savings. I was facing the draft and I do not mean the NFL! I was drafted a few months after I graduated college into the army. This upset all my plans! I faced going to Vietnam, leaving home and a new wife. I was lucky and was stationed at the army prison teaching business classes.
I left the army thinking I lost time. I took advantage of every opportunity to accumulate great experience to ready myself for my eventual career. I did not want to work forty (40) years and retire. By the time I hit thirty-one (31) years old, I had my dream home on the hill, two (2) children, and a plan to reach financial independence. In seven (7) years, I achieved it! My children went to private school, paid for their college and we had nice family vacations. I took on only a modest amount of debt to do this. My mortgage was small, car loans were small and no credit card debt.
I have a very good life! No apologies! Some of you will say it was because of no student debt or no credit card debt. I graduated without debt because my parents paid for college. The rest was up to me! I chronicled my journey to success before. Do you really think the outcome would be different if I started with debt? I don't! It may have taken longer, but the result would be the same. I made a lot of choices to avoid debt. What was my secret? I learned how to live on very little and savings were always a big part of my plan. Putting emphasis on what you value most and finding ways to achieve it. You do not have to choose money or your life?
A born winner will win no matter what the circumstances are! Congrats KC!
Thanks, but I was fortunate to have parents who paid for school. My financial skills came from an interest and desire to do well. I turned my skills and talent into a career.
Very true, is it nature or nurture? If you had to choose money or a great life, which would you pick? Can you have it all?
Great story KC – enjoyed the lesson about saving while in school. I should have done more of that!
I learned from experience to live on virtually nothing. It made me creative and resourceful.
I also did some saving when I was in school but not as much as you did… I'm glad that it worked out for you. Thanks for sharing this nice story.
I believe just about anyone can succeed if they want it badly enough! You have to be willing to sacrifice temporarily for something better in the future.
Savings was a habit! Savings meant choices and freedom. It gave me more control over my life.
Great thought provoker as always. I would have to say that I value life more than money. No I don't want to owe thousands in debt but I also don't want to restrict myself from living the life that I really want. In the end money is only money but it is the experiences and memories that you make that last a lifetime and are what you truly reflect on later on in your life. I dont' ever want to have regrets about things I should have done but didn't because of money.
The journey should be filled with experiences and things worth remembering versus denying yourself everything for forty (40) years.
I agree with you. Every time I received an increase or promotion, I banked half the increase. It also helps that my wife supports the same goals.
Money provides choices! You can spend, save or waste it. You can have a great life with little or no money, you choose how you spend it.
I think those experiences shaped and influenced me. Along the way, I picked up some interesting skills like discipline, goal setting and determination.
By having to manage your money at such a young age, you developed the necessary skills to succeed later in life. I tip my hat to your AND your parents.
I guess it is a good reason to teach children about money and how to save.
Most people think of your money or your life and think of living a pauper's life. You show it was different. You enjoyed your life with private school for your kids and nice vacations, but on the day to day expenses, you saved and were frugal. I see very little here in the way of meals out frequently or high car turnover. Thanks for the motivational post.
We had dinners out, but they were inexpensive. The only extravagance was a once a year dinner for our anniversary or maybe a second to celebrate our birthdays.
Great post, I love stories about a successful journey. Money or life don't have to be a choice, but a lot of people get caught up in it. Personally I'm all about wealth because it can be financial or personal and come in many forms. Ultimately your life is what you make of it, through your own decisions and actions.
I have said many times that I got to do everything I wanted to do. I have a rich and full life and that has nothing to do with money.
Thanks for writing this and well done on breaking the cycle. As to the question, I have been asking myself the same for sometime now. My answer is that life is for living, not surviving – we can have fun and build wealth.
Absolutely! I have had a great life, wonderful wife and family and managed to achieve financial freedom. It does not take much money to enjoy life.
I do not know if I would call it luck. As I have expressed before, my parents were overachievers and demanded a lot. I think I exceeded their expectations, but I never heard it from them. It was important for me to break the cycle! Congratulations on your recent marriage.
Very true! I think almost all of my most memorable experiences had nothing to do with money. These were memories with friends and family that I will always cherish.
My wife and I do not deny ourselves anything that is important, but we put savings first. We go out a couple times a month with friends, but do not spend very much. Earlier this year, we went to New Orleans with friends and last year we went to Vancouver. Two years ago, we went on a cruise of England, Scotland and Ireland. Next year, we are taking another Mediterranean cruise.
Great story, thanks for sharing! I love hearing about other bloggers backgrounds and the choices they've made with money.
Like you I've learned how to live on next to nothing and I found that even though I make more money now, I still for the most part live like I always have and now I'm working towards using that excess to pay off debt and get a nice savings built up.
Soon (5.5 years away) when I retire again, I will have to learn how to spend versus saving. I will have to make small changes over the next few years to get ready.
Amazing journey and you definitely showed you can accomplish anything if you put your mind to it!
It may be generational or first generation immigrants, but I broke the cycle. My adult children learned a lot by observing and a lot of good talks.
Congrats on your 43 years of marriage! That's fantastic Krant!
Life always! However, money is a fun game!
Thanks, Sam. Lack of money certainly affects your life much more. After you reach a comfortable economic level, money is like a score of how well you are doing.
Thank you, I just turned 65 years old! I used to think that was old until I reached it. I found out it is just a number and youthful outlook trumps it.


text:
In This South Austin Home, There's Love Among the Clutter
Tarica and Alex Navarro's Western Trails house isn't pristine. And that's just how they like it.
BY GENE MENEZ | Photos by Nicole Mlakar
The best way to describe the South Austin home of Tarica and Alex Navarro is to first describe what it isn't. It isn't a house filled with precious furniture that can't absorb a spill or three from the Navarros' two active daughters: 4-year-old Anjali and 2-year-old Ananda. It isn't a home where everything is put away all the time; Woody from Toy Story is just one of the dolls occasionally strewn on the living room floor. And it isn't a home that's off-limits to the family's boxer-ridgeback rescue dog, Riley, or his penchant for tracking in mud on rainy days.
In many ways, the house is much like the home of any family with two young children and a dog—and not one that you'd see featured in a magazine or in an online article (both of which have happened). To the Navarros, the house is perfect in its imperfections.
"This is a real house," Tarica says. "It is not perfect all the time. It's usually in various states of disarray in different areas. We are getting better at it, but we like it that way."
The one-story, 1,950-square-foot house in the Western Trails neighborhood is part home, part office for the Navarros, who own and operate the kitchen supply store Kettle & Brine. When they're not at the store, Tarica, the creative director, and Alex, who handles the finances, can be found working on their laptops from the family's dining table. Tarica also sets up a makeshift photo studio in the living room to photograph Kettle & Brine's assortment of offerings, from a $2.50 kitchen sponge to a $675 chef's knife.
The Navarros opened Kettle & Brine in 2015 because of Tarica's love of cooking, so it's no surprise that their kitchen serves as Grand Central Station for the family. Renovated two years ago to give them more space to entertain, the expanded kitchen features sustainable, handsome cabinets from TreeHouse and new appliances, tile and paint.
The centerpiece of the space, however, is the 86-inch by 32-inch, do-it-all island that serves as a breakfast table, dining table (when there are no guests), prep table and, for the kids, coloring table.
Originally Alex's idea, the island initially was deemed too big for the kitchen by Tarica, who worked for 10 years as an interior designer. "Are you crazy?" she recalls telling him when he floated the island idea. "Finally I sketched it up, and it worked. He was right, and now it's fabulous."
Says Alex, "That was my single contribution to the project."
The rest of the three-bedroom house, which was originally built in 1969, showcases Tarica's talents as an interior designer. (She worked for a year for renowned architect Michael Hsu.) The sunroom, which was added by previous owners, features a sleek white sectional with kid-friendly fabric, a geometric rug with different shades of blue and two Franco Albini rattan ottomans from Nannie Inez. The Navarros use the ottomans in lieu of a coffee table because, Tarica says, "the kids like to jump off the sofa, and sometimes they land on the floor. We didn't want them to land on a coffee table, so we put something that was more manageable in the space." Parent problems.
The adjacent living room is anchored by a navy blue tufted sofa, a custom-made coffee table and two hair hide chairs from Kettle & Brine. The space is illuminated by a brass light fixture that was the result of a DIY project. It is here where Tarica, an admitted night owl, curls up with her laptop, working until 1 a.m. or until Alex drags her to bed.
The Navarros would like to renovate the two bathrooms and the backyard space, but those projects can wait. They love the house just the way it is.
"We don't strive to make our house perfect," Tarica says. "Who is it for? It's for us. I would rather play with the kids and jump on the bed. And who cares if it's kind of messy?"


As soon as I saw that the goal of the Fresh Snow blog hop was to create a project that doesn't use cotton I knew that I would use felt. I feel like a broken record since last year when I took part in the blog hop that Seam to be Sew hosted I also did a felt project!
I tend to read more during the winter so it made sense for me to create a bookmark, and with Valentine's Day coming up, why not a Valentine's one!
The theme for the newest issue of One Thimble magazine is 'Urban Jungle'. There are 12 PDF patterns included in the issue as well as 26 articles, all for $25 AUD (so if you're in the US it will be much less!) The articles range from regular features such as a gift guide featuring items handmade in Australia (while keeping them related to the theme) to articles on sewing techniques and tutorials. As a bonus there are also exclusive discount codes included!
Each of the patterns included in the issue* have beautiful photos showcasing the pattern using the Urban Jungle theme.
What caught my eye most about this issue was how well so many of the patterns seem to complement one another. The toys and accessories are all animal related (baby shoes, baby quilt, cross-stitch wall art, FMA, and the two toy patterns).
One of the articles that interested me was one on sewing with laminated cotton. Laminated cotton is similar but not the same as oilcloth which I've used before. I haven't tried laminated cotton yet and have been interested in trying it out however from what I've seen it's not as inexpensive as oilcloth. There are lots of good tips for sewing with it as well as links to tutorials that I need to try.
The Hood Creature free motion appliqué (or FMA) pattern included in this issue is super cute and is a perfect match with the hoodie pattern. I've used one of the designer's (StitchART by Jeanine) other FMA patterns in a pair of PJ's I sewed up for my oldest daughter recently. You can check it out >>HERE<<, it's really cute. Free motion appliqué is super fun and fairly easy to do, I will be for sure stitching up one of the hood creatures soon.
No surprise to those that know me, but I really wanted to sew these up. I love felt and I have a fairly good size stash of wool felt on hand, although my colour choices are somewhat limited at the moment.
Included in the pattern are templates for a giraffe, elephant, rhinoceros, octopus, unicorn, turtle, lion and alligator. Since I didn't want to use the same colour felt for more than one animal (to make it possibly easier for my 2.5 year old, although maybe she'd have been fine), I made just the elephant, octopus, unicorn, turtle and alligator.
As expected the 6-year-old, Silly Bean, claimed the unicorn for herself, which was fine because the octopus was Miss V's favourite. They liked them so much in fact that they actually slept with them the first night!
These were fun to make and not too difficult. There are three layers of felt and in between Heat'n Bond * to help them stay together. I used a lightweight Heat N Bond because that is what I had on hand but I think a heavier weight would work better as it took a lot of heat and pressing to get the second and third layers to adhere as the felt was thick.
Interested in seeing more from Felt With Love Designs? You can see the other patterns of theirs that I have sewn up HERE and HERE.
The Felt 3D Animal Puzzle was Felt With Love Designs' contribution to the magazine. You can purchase this pattern separately for $3 AUD >>HERE*<< or it is included with the purchase of the magazine.
These are just soooo cute, I couldn't resist making one. The sloth is adorable so that was the first one I wanted to sew. The fabric suggestions for Roly Poly Critters are to use felt or fleece but I've seen some versions using different fabrics that are super cute too. For mine I decided to stick with the fabric suggestions and made it out of felt.
I didn't have any safety eyes or noses on hand and didn't know where to buy them locally and with no time to wait for an order to arrive I decided to cut out eye and nose shapes from felt and sew those on. I need to work a little more on sewing around the small curves to make the stitching neater but otherwise it was a pretty quick sew. About 1.5 hours from cut to finish including interruptions from Miss V.
SO SO cute. These will make fun baby gifts. My only wish is that there had been overlap with the animals between these and the baby quilts*. But I guess I could try hacking one of the critters into a bunny! They would make a cute set to give at a baby shower.
I have made many of Swoodson Says' patterns before. You can see the ones I've blogged HERE and HERE, and read an interview with Stephanie of Swoodson Says HERE.
The Roly Poly Critters can be purchased separately for $7 AUD >>HERE*<< or get it with the purchase of the magazine.
I was super excited when I came across the blog hop call over at Seams to be Sew. I could choose whatever I wanted to be nuts about. So much leeway. Perfect!
Hi! I'm guest posting over at Wally and Grace today. We're actually doing a guest post swap! She created a cute garden flag tutorial which you can see a peek of below. For my tutorial, I created a fairly simple coaster using, what else, felt! I ♥ felt. Head on over to check out the tutorial and sew yourself (or a loved one) a pretty coaster just in time for Valentine's Day! I promise it doesn't take long at all!
Here's a little peek at the tutorial Amy (of Wally and Grace) created. Click on the image to go to the full post!


This Discovery Sport is in excellent condition. With a light Blue exterior and a Black interior, a stunning aesthetic is achieved. Well equipped with many features, the Discovery brings practicality and capability to ownership. Powered by a turbocharged four-cylinder engine, a responsive yet economical driving experience is delivered. Backed by Land Rover's renowned all wheel drive system, this award-winning vehicle also excels through varying road conditions and terrains.
Driven as a courtesy vehicle, it has exceptionally low mileage. With a claim free vehicle history report, two original keys and the original owner's manual, this Discovery Sport is ready for its proud new owner.


Typically the application 's your promotional resource. It will be meant to review a person's qualities, experience, and requirements for that reason a small business am able to see, promptly, simple methods to provide climb to your company's goals. It certainly is not designed to stretch of land one the work, even if the fact that does manifest occasionally. Your resume can be the job take an job interview.
There are no easy approach close to it. A new cover letter needs some time and considered. In many cases you will not be able to train it all effortlessly as well as within a actual resting down. Think it over for a procedure. You need to that a measure at any moment and you'll rapidly own an effective resume. Regardless of whether that you're thinking about buying a keep on penning guidance it's essential to a minimum of make an endeavor to produce your resume. It happens to be in between the best processes to evaluate the skill and additionally get a more effective information about so what you executed.
Study: Stop by try your local library or possibly execute specific searches internet and then bring into play lots of the costless means readily available. There exists a considerable amount of no charge information on "Preparing a Resume" for any person ready to the Investigation.
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Layout: Resume floor plans come up with creating a start simpler. Microsoft gives a range of codecs of their Phrase computer software making use of its Keep on Magician or possibly found at their particular on-line site. All of them are free.
Create your job application: Start the layout you bought and fill it and the knowledge out of your Description.
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Related Post "Elegant form for Hair Stylist Resume Template Visuals"


text:
HOME / ABOUT /
ALLEVIATE HUMAN SUFFERING
The mission of Harvard Medical School is to create and nurture a diverse community of the best people committed to leadership in alleviating human suffering caused by disease. The Harvard Medical School Center for Global Health Delivery–Dubai is committed to fulfill this mission through a focus on optimizing the last phase of health care delivery through:
Research - Conducting and publishing cutting edge health delivery research on innovative approaches to addressing health problems of critical importance to the region and world
Education - Training the next generation of scholars and practitioners from Dubai and the region in global health delivery
Global Health Delivery - Creating a space at the Center's facilities in Dubai that will serve as an important regional hub for discussions and policy formulation on health problems of critical importance to Dubai, the United Arab Emirates, the region, and the world


Check out all of the names of the Emma Sansom High School alumni that attended high school in Gadsden that are listed above. Registering will allow you to join the directory.	You can share memories of those activities that you were involved with at Emma Sansom HS and you can view other alumni and read what other former students have posted about the time they spent at Emma Sansom.


Since people's homes are often their biggest asset and their biggest liability, their choice to have mortgage debt or not has a dramatic impact on their financial and non-financial lives. Because of this, I believe that I am uniquely positioned as a mortgage professional to provide impactful, life changing consultation and service to the people I touch in both my professional and personal circles. I do this by assessing people's lives much like a financial planner would, with their life goals in mind first. We then work backwards from those ideas to craft the best long term financial strategies possible around their real estate to help achieve those life goals. In doing this, I use the most cutting edge software presentation tools available in the industry to provide a full visual record of the available solutions and strategies. My clients can then confidently and comfortably choose the best strategy for themselves and their families. I feel that my relationship with my clients is a true partnership. Because of this, my obligation to my clients life goals does doesn't end with a mortgage closing, so I engage with my clients in between transactions with impactful analysis of their current situations on an ongoing basis. This approach has proven itself over and over again through my 15 years as a mortgage professional as I continue to watch the thousands of clients I have served achieve the dreams and goals we originally talked about in our very first consultation. Erik Spencer has been in the mortgage and financial services industries for over 15 years and has negotiated the ups and downs of different real estate and economic cycles for his clients for over 2 decades. Starting out shortly after graduating from the University of Virginia with a degree in Economics in the early 1990's, he has also been successful in the computer hardware and IT fields as well heading up the sales team of an international foreign currency trading firm. Outside the office, Erik coaches and plays lacrosse and has 3 children. His oldest daughter just left home for the University of Alabama to start her college career. Roll Tide!


text:
1.1.x gives you now the choice to have a header AND a footer, also provides full control over HTML layout and structure.

### Steps to follow

- Add `step-container` in `multi-step-container` (see below)
- Wrap your headers and / or footers in `<head></head>` and `<footer></footer>`
- Remove `use-footer` attribute

### Note

- The `multi-step-container` and `step-container` directives can be used as elements or attributes, leaving you to decide on the semantics of your HTML.
- If a `step-container` is not supplied, an error will be thrown

## Differences between 1.0.x and 1.1.x

### With 1.1+

There is now no transclusion happening anymore, leaving you full control on markup structure.

```html
<multi-step-container steps="steps">
    This my header content

    <step-container></multi-step-container>

    This is my footer content
</multi-step-container>
```

Will result in:

```html
<multi-step-container class="multi-step-container" steps="steps">
    This my header content

    <step-container class="multi-step-body">
        <div class="form-step">
            <!-- The current step -->
        </div>
    </step-container>

    This my footer content
</multi-step-container >
```

### With 1.0.x

Prior to 1.1, the content of `multi-step-container` was transcluded either in a header element or footer element (if attribute `useFooter` was defined).

```html
<multi-step-container steps="steps">
    This my header content
</multi-step-container>
```

Would result in:

```html
<section class="multi-step-container">
    <header class="multi-step-header" multi-step-control-element>
        This my header content
    </header>

    <main class="multi-step-body" form-step-container>
        <div class="form-step">
            <!-- The current step -->
        </div>
    </main>
</section>
```


True love isn't love at first sight.
It should be love at first bite.
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A very good dog knows to stay away from the onions.
Ahhhhhhhhhhhhhhhhhh if I was there I'd be throwing some of that meat to the dog. How about you, Pat ?