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A dismissed soldier and policeman, as well as a trader, have been remanded into lawful custody for allegedly accosting and robbing customers of financial institutions, particularly those who had gone to withdraw huge sums of monies.
Isaac Amejor and Michael Baffour, alias Mike, were dismissed from the Ghana Army Forces and Ghana Police Service respectively. Muntakilu Saddick, who used to be a trader at Kantamanto in Accra, abandoned his business to form a syndicate with the dismissed personnel of the two state security agencies.
The accused persons are being tried by an Accra Circuit Court in two different cases, all of which involved conspiracy to commit a crime, namely robbery, and robbery.
The other charges were restriction on use of military uniforms and equipment, and impersonation to commit crime, namely robbery.
Amejor, Baffour and Muntakilu have all pleaded not guilty to the charges and were remanded in both cases by the court, presided over by Her Honour Evelyn Asamoah, last week Friday, March 28, 2023.
Isaac Amejor and Michael Baffour, alias Mike, were expelled from the security agencies in 2014.
Michael resides at Ngleshie Amanfrom, Isaac lives at Kasoa, and Muntakilu Asamankese in the Eastern Region.
They allegedly robbed their victims at Ashaley-Botwe School Junction and Dansoman, all suburb of Accra, between March 2 and 22 this year.
Narrating the first leg of the case to the court, the prosecuting officer, DSP Evans Kesse, said the trio, after becoming friends, decided to form a syndicate that would constantly engage in robbery activities, targeted at innocent citizens and other persons who visited various financial institutions to transact business, especially withdrawals.
He added that as part of their scheme, they hired taxis to take them around to monitor the clients who patronise various banks, and after identifying a potential victim, would launch their attack.
They achieved this with Muntakilu Saddick, who posed as a detective wearing mufti, entered banking halls to monitor the activities, and would then communicate the physical identity of their potential victim to his accomplices, who had strategically position themselves.
Isaac Amejor, in full police apparel, would get down from the taxi and inform their victim that he or she was under arrest.
Michael Baffour, also dressed in an army uniform, would join Isaac to effect the arrest of the victim and force the person into the hired taxi cab to create the impression that they were, indeed, employees of the Ghana Police Service and Ghana Army.
They would then order the driver to move and follow their direction.
DSP Kesse said with this modus operandi, the accused persons robbed several people off the monies in their possession, and pushed them out of the car along the way, after which they shared the booty.
Deployment of the robbery scheme
Laying the foundation of how the accused persons operated, the prosecutor indicated that on Wednesday, March 22, they met at Kasoa toll booth and hired a taxi to convey them to Dansoman to engage robberies on clients of targeted financial institutions.
The accused persons started assessing various banks from Bortianor with the intent of chancing upon prospective victims to launch their objectives.
The trio found themselves in and around the premises of one of the banks in Dansoman for their scheme, and eventually settled on robbing a victim, Priscilla Quansah, a mobile money vendor who went to the said bank at Sahara-Dansoman to withdraw money.
Muntakilu Saddick disguised himself and entered the banking hall to spy on potential victims. Lo and behold, he spotted the mobile money vendor, who had withdrawn cash in the sum of GH¢4,000.00 from the merchant mobile phone she was using to work.
Saddick quickly called his accomplices, who were in a taxi parked on a street beside the bank, and described the victim’s attire and features to them.
He quickly moved out and joined his accomplices. Isaac Amejor came out of the car and stopped the victim, who was on her way to her business center, and informed her that she had been reported to them by her employer for engaging in an unspecified crime, hence, she was under arrest.
Isaac forced Priscilla into the back seat of the car, where she sat between the accused persons in police and military uniforms respectively.
Michael immediately sought to know how much she withdrew, and the victim mentioned GH¢4,000.00.
The accused persons ordered the driver to move the car and he acted as instructed. Michael Baffour instructed the driver on the routes to use until they got to the entrance of a house where he was ordered to stop the car.
Michael got down and ordered the victim to leave her bag containing the money, together with an initial amount of GH¢950.00 and two cellular phones in her ladies bag, to enable him lead her to their boss, one Mr. Appiah, in the house where the car had stopped.
The victim tried to resist but was forced out of the car and the bag forcibly snatched from her hand and kept in the car, whilst Michael purportedly led her into the house.
Michael Baffour quickly abandoned the victim and runed back to join the others in the car, and ordered the driver to speed off. The three robbers paid the driver GH¢410.00 and shared the rest of the money.
Mutakilu Saddick was given the android cellular phone of the victim as it was his turn to have it, since his accomplices had benefited from previous phones realised from their robbery expeditions.
The accused persons collected the contact number of the driver and assured him that they would always work with him.
Mutakilu Saddick called the driver on Thursday, 23 March, 2023, to convey them to Tema, where they had planned to extend their robberies on unsuspecting victims they would chance upon at any financial institution.
The prosecutor added that Isaac and Michael, as usual, dressed in their police and military attires, whilst their accomplice, Mutakilu Saddick, wore mufti.
However, he said, the surveillance team of the Ghana Police Service, which had earlier picked intelligence on the activities of the accused persons, had started monitoring their movement from the Kasoa toll booth area.
He said the police pursued them and eventually apprehended them on a section of the Accra-Tema Motorway, adding that the accused persons were identified by a victim before being arraigned before the court.
The other case
ASP Emmanuel Haliga further stated that the complainant was Shirley Asafo Agyei, a nurse.
According to him, on March 2, the complainant withdrew an amount of GH¢40,700.00 from a bank branch at Adjiriganor to be used for a housing project.
He told the court that the complainant after the transaction at the bank boarded a commercial vehicle heading towards Ashaley-Botwe School junction, and on reaching a section of the road near Ability Microfinance, the accused persons and another, at large, in a taxi crossed the commercial vehicle and dragged the complainant out.
ASP Haliga said then Isaac, who was in a police uniform, forced the complainant into their taxi and drove her to a spot near the University of Ghana Medical Centre.
When the complainant started shouting for help, the accused persons threatened to kill her if she did not keep quiet.
The complainant was then handcuffed, tasered, and her bag containing cash in the sum of GH¢40,700.00 and an iPhone 11 pro max valued at GH¢9,500.00 was seized.
The accused persons, after robbing the complainant, abandoned her in the bush handcuffed and sped off.
The complainant managed to find her way to the roadside where some coconut sellers around took her to the Legon Police Station, where she made an initial report and the handcuffs opened for her.
On March 14, 2023, the complainant petitioned the Director General of CID for assistance, and on March 26, the accused persons were arrested at their hideout on the Tema Motorway.
A search conducted on them revealed one military uniform and police uniform belonging to Michael and Isaac respectively.
ASP Haliga added that on April 14, an identification parade was conducted at the forecourt of the CID Headquarters, where the complainant identified the trio as the persons who robbed her.
He said the accused persons admitted in their caution statement in the presence of an independent witness that they robbed the complainant and shared the booty.
After investigations, the accused persons were charged and arraigned before the court.


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How are you today? Spring is in the air in Paris for three days now!!! I hope it ‘ll last as I miss the sun.
Inspired by weather, but as well by Hero Arts “Spooky Trifold Window Card” I made this adorable little owl card. I had lots of fun making it. You should try to make one too. It requires quite a lot of decorating but it’s totally worth the effort.
To make my card I used:
Cream card stock cut to 29.5x11cm;
Inks: Stamping up “not quite navy, Ranger distress ink “Walnut stain”,” Tea Die”, “Tattered Rose” and “Wild Honey”, Archival Jet Black ink;
Brown card stock from Toga, that I embossed with a wood effect embossing folder and distressed with sandpaper;
Leaf punch; and Fiskars oval shape cutting templates;
Digital owl image that I received long time ago from a friend and I really don’t remember where is it from, sorry;
Two eyes for the owl; some ribbon and acrylic paint for clouds,and some stars from my stock;
Stamps: Hero Arts- cling hearts, insects are from Toga set;
Don’t forget big dose of happy thoughts! 😉
UHK Gallery has challenge with “Birds” as a theme, so I swoop in with my owl.
Happy scrapbooking and see you soon.

domain: design


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On the Cover
Events & Books
SA’s BPO sector to grow
Wednesday, 18 July 2012 09:04
Written by Staff writer
The market could be worth $3 billion in 2016
The local business process outsourcing (BPO) sector is set to grow over the next five years, according to Frost & Sullivan.
Demand Analysis of the BPO and Contact Centre Market within the South African Financial and Retail Sectors
, says in 2011, the market earned revenue of $1.3 billion. This is estimated to reach $3.06 billion in 2016.
The research covers outsourcing of the following business processes: contact centres, IT, financial and accounting, and knowledge processes.
“The increasing need for businesses to focus on their core business is driving the trend towards outsourcing of non-core, yet critical, processes such as contact centre, IT, and financial and accounting,” notes Frost & Sullivan’s ICT industry analyst Ishe Zingoni. “Enterprises confronted with an uncertain economic outlook have sought to improve business efficiency and manage costs in order to remain competitive.
“Another driver of the outsourcing trend seen in South Africa pertains to the shortage, and subsequently, high cost of skilled personnel,” adds Zingoni. “This driver has been crucial, particularly in the outsourcing of IT and financial and accounting processes.”
One of the trends in the BPO sector locally is a preference for “one-stop shops” – service providers which can offer a range of BPO services. According to Frost & Sullivan, this is motivated by a need to streamline processes and reduce costs. If service providers want to benefit from these opportunities in the market, says Frost & Sullivan, they must increase their breadth of offering.
“In order to become one-stop shops, service providers need to develop and expand their competencies and offer integrated solutions,” advises Zingoni. “One way of achieving this would be through the acquisition of relatively small niche service providers. As a result, Frost & Sullivan predicts a notable degree of consolidation in the BPO sector over the next five years.”
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domain: finance


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Swiss Village Live Cam - Lake of the Ozarks
Margaritaville Live Cam - Lake of the Ozarks
Boat Gas Reports
More sunny skies and warm weather are on tap for this September weekend: perfect for hitting the Lake, whether you're up for a fall-weather cruise or you're angling for the biggest fish of the weekend.
Gas Dock, Sea Store, and Rentals

domain: travel


“Heart of the Matter” is my weekly podcast, which discusses all things love and dating. New episodes will go up every Monday evening.
The series will officially launch on Jan. 2, 2017, but I am beta testing episodes through December. You can follow my SoundCloud channel at the link below. Spread the word!


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Nonprofit helps children save for future
Watch Ona Porter on KRQE News speaking about Children Savings Accounts in New Mexico.
ALBUQUERQUE (KRQE) – Reports show nearly a third of New Mexico’s children live in poverty, a statisticProsperity Works would like to change.
That’s why the Albuquerque-based nonprofit plans to set up 15,000 local kindergartners in low-income areas with savings accounts.
“Particularly in New Mexico where we have so many people living in poverty, the idea of seeding a children’s account is really seeding a future for them that they wouldn’t otherwise have,” President/CEO of Prosperity Works, Ona Porter, said.
Prosperity Works president and CEO Ona Porter says they looked at how many students are eligible for free or reduced meals, then chose about a dozen schools to launch this pilot program in August.
Porter is not saying just yet which schools those are.
She’s aiming to have donors help each kindergartner in those schools start with $500 in savings.
Prosperity Works will continue to manage the accounts as the students advance into high school, even getting family involved
“So there will be additional money put into accounts if a parent gets their child to school on time, if they’re participating in teacher meetings, if they’re joining PTO, taking a parent education class, if they are improving their own educational level.” Porter said.
The students will be able to withdraw from their accounts when they graduate if they use the money for college or to invest in other assets later in life, like a home.
Prosperity Works is hoping the means for a brighter future Sunday will motivate students to make better decisions Saturday.
The money going into these accounts will come from donations or people who want to sponsor a child.


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Andrew lloyd webber, soundtrack: the phantom of the opera andrew lloyd webber is arguably the most successful composer of our time he is best known for stage and. Free essay on biographical synopsis of andrew lloyd webber available totally free at echeatcom, the largest free essay community. Andrew lloyd webber's songs: listen to songs by andrew lloyd webber on myspace, stream free online music by andrew lloyd webber. The question at this point is whether the phantom of the opera is even intended andrew lloyd webber's phantom of the opera and the music is maddeningly.
Play the music of andrew lloyd webber with sheet music, vocal scores, songbooks & more from musicroomcom free uk delivery, worldwide shipping & money-back guarantee. Find great deals on ebay for the music of andrew lloyd webber shop with confidence. Start by marking “a compendium of essays: purcell, hogarth and handel, beethoven, liszt, debussy, and andrew lloyd webber” as want to read. Andrew lloyd webber is the most successful composer of musicals of his generation and also a breaker of molds for the form his predecessors were, for the most part.
My hero is andrew lloyd webber essays about a close friend, to piano teacher jean johnstone lloyd webber andrew had a passion for music throughout his. Andrew lloyd webber essaymy favorite composer is andrew lloyd webber he has written music for the likes of us, cats, phantom. Sir andrew lloyd webber has written a theater songs as “memory” and “music of the night” lloyd webber was born in andrew showed musical. Find andrew lloyd webber bio, music, credits, awards, & streaming links on allmusic - the most popular composer of west end and. The best of andrew lloyd webber [easy piano] [andrew lloyd webber, bill boyd] on amazoncom free shipping on qualifying offers (easy piano composer collection.
Find album reviews, stream songs, credits and award information for the essential songs of andrew lloyd webber - andrew lloyd webber on allmusic music of the night. 1 explanation, 4 meanings to music of the night lyrics by andrew lloyd webber: nighttime sharpens, heightens each sensation / darkness. Open document below is an essay on songs of andrew lloyd webber from anti essays, your source for research papers, essays, and term paper examples. An analysis of andrew lloyd webber's musical composer andrew lloyd webber that have lloyd webber as the main focus of my essay is that. Heidi klum pays homage to classic michael jackson music video in lord lloyd webber calls for secret profumo papers to be released andrew lloyd webber believes.
Free term papers & essays - the success of andrew lloyd webber, the. Andrew lloyd webber on his love ‘there is something in those papers that they click here to purchase ‘a tribute to the music of andrew lloyd webber.
Watch videos & listen free to andrew lloyd webber: the phantom of the opera, the phantom of the opera - single album version & more andrew lloyd webber (born. Andrew lloyd webber was born on march 22, 1948 to william & jean lloyd webber even at a young age, andrew loved to make his own music andrew also had a great. The music of the night performed by gerard butler as the phantom from the 2004 film version of andrew lloyd webber's the phantom of the opera. Andrew lloyd webber was born on 22 march in music lloyd webber joins techniques pulled from the traditions classical music to your essay or term. Buy the music of andrew lloyd webber, memory: read digital music reviews - amazoncom.

domain: artistic


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TECUMSEH – Hunter Gordon Brooks, age 24, of Tecumseh, died March 28, 2018, at 9:00 a.m. after suffering a seizure.
Hunter is survived by his parents, Susan Caswell Brooks and Gordon D. Brooks Jr.; siblings, Alex Brooks, Logan (Bryan Carter) Brooks, Taylor and Darcy Brooks. He also leaves his maternal grandmother, Donna Caswell; paternal grandparents, Gordon and Patricia Brooks of Milford. He was a beloved uncle to Dante, Raevyn, Jenna, Colin, Gemma, Lincoln, and Tatum. Hunter was preceded in death by his papa, Louis W. Caswell.
There will be a Celebration of Hunter’s life at the Lenawee County Fairgrounds Agricultural Building, Adrian, MI on, Saturday, April 28, 2018, at 2:00 p.m.
In lieu of flowers, two funds have been set up in Hunter’s name. A Member Transportation Fund at the Hope Community Center, 431 Baker St., Adrian, MI 49221 and a Hunter Brooks Memorial Fund at Lenawee County 4-H, c/o Janelle Stewart, 1040 S. Winter St., Suite 2020, Adrian, MI 49221. Arrangements have been entrusted to Anderson-Marry Funeral Home, Adrian.

domain: news


UPDATE (September 15, 2015 3:34 p.m.):
DNA technology has helped Baltimore County Police identify a body found floating in Back River more than two years ago.
Just before 1 p.m. on September 8, 2011, the unclothed body of an adult male was found floating in the Back River under the I-695 bridge. There were no signs of foul play and no indication as to who the man was.
Detectives with the Homicide Unit conducted a thorough investigation into the case which included checking missing persons reports in Baltimore County and Baltimore City. The Baltimore City Police Department provided assistance with information on their cases. The initial investigation did not verify the man’s identity.
Detectives never gave up on this case and were able to obtain a possible identity of the man. DNA test results were received from the University of North Texas earlier this month that gave them the answer they were looking for.
The body has been identified as that of William H. Bagley (79) of the 1800 block of Woodbourne Avenue 21239 in Baltimore City. He had mental challenges and was reported missing from his home on August 22, 2011.
UPDATE (October 22, 2012):
On September 8, 2011 at 12:30 p.m., officers responded to the Back River under the Interstate 695 Bridge for a report of a body in the water. A witness told officers that the body had not been there early in the day. There were no signs of foul play, and the body had been in the water for a significant period of time.
Despite a year of investigation, detectives have not been able to identify the victim through the autopsy, DNA, or fingerprints. The cause of death remains undetermined.
A Baltimore County Police Department forensic artist has completed a skull reconstruction in an attempt to determine what the victim may look like. Forensic artists attempt to recreate the features as closely as possible, but some features of the victim may look slightly different. Police are releasing the photographs to the public in the hope that we can identify the victim and notify his next of kin.
The victim is a white male, 40 to 60 years old. Detectives believe that he may be from the Dundalk area.
Anyone with information about the identity of the victim is asked to contact the Baltimore County Police Department at 410-307-2020.
Sketches of Forensic Reconstruction (2012)
Original release (September 12, 2011):
On September 8 at approximately 12:30 p.m., Baltimore County Police responded for a call of a body floating in the Back River near Exit 38 of the Baltimore Beltway.
The Marine Unit recovered the body from the water, and the victim was transported to the Office of the Chief Medical Examiner for an autopsy.
Preliminary autopsy results showed that the victim is a white male, 40 years old or older, approximately 5’11” tall, and 155 pounds. The victim had no scars, marks or tattoos that would aid in identification. The victim had no teeth on his upper jaw, and may have worn dentures. There were no signs of injury to the victim.
Detectives believe that the victim may be from the area where he was found. The victim’s description does not match anyone who has been reported missing.
Police are asking the public to check on friends, relatives and neighbors who match the above description and to contact the Baltimore County Police Department at 410-307-2020 with any information that may help detectives identify the victim.


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Manila – An elderly man died in the Philippines after being evacuated from his home as the country’s most active volcano ejected fiery lava, police said on Tuesday.
More than 21,000 residents have been forced to flee their homes at the foot of Mayon Volcano in Albay province, 330 kilometres south of Manila, since Saturday when the volcano first spewed thick ash and gases.
According to spokesman for the provincial police, Chief Inspector Arthur Gomez, the 81-year-old man was among the evacuees staying at an elementary school in Tabaco City.
“Unfortunately earlier today, his body was discovered lifeless,’’ Gomez said, adding that the man appeared to have died of ailments related to old age.
The volcano’s fiery display has drawn tourists to Albay province, where they observe the lava flows from a safe distance, while mandatory evacuation of residents was enforced within a 7-kilometre danger zone from Mayon’s summit.
Romina Marasigan, spokeswoman for the national disaster relief agency, added that they have witnessed lava fountaining, which was why they have additional families evacuated due to the threat.
“There are still signs of unrest, we also observed phreatic eruptions and spewed ash so it remains active,’’ she added.

domain: geography


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CarterGore Medium Silver 'The Moon' Tarot Card NecklaceDrawn by hand and cut with a big old laser Ready for your reading?You've turned over The Moon, a card of illusion and deception. It often suggests a time when something is not as it appears to be. It might be a hidden truth or something yet to be understood.
CarterGore Medium Silver 'The Moon' Tarot Card Necklace
Approximate DimensionsMedium pendant27.5mm tall x 1mm thick
18inch Sterling Silver Chain
Hand Made In The UK


Ankeny boys play Waukee on Tuesday night for state tournament berth
The Ankeny boys basketball team kept its hopes for the state tournament alive after the Hawks defeated Sioux City West in the second round of the substate tournament.
The Hawks took on the Wolverines on Feb. 25 and won 83-48 to move on to Tuesday night's substate championship.
Ankeny had control from the jump, going up 24-7 after the first quarter and increasing the lead to 64-37 by the end of quarter number three.
The Hawks were able to shoot the ball well in both areas of the floor, shooting 48.4 percent from the field and 42.9 percent from beyond the arc.
Ankeny also was strong defensively, as the Hawks came away with 15 steals in the game.
Ankeny had many contributors in the win.
Both senior Ryan Crandall and junior Karson Wehde led the team in points, each putting up 19 for the Hawks. Crandall shot eight of 11 while Wehde shot seven of 11 on the day. Wehde also had four rebounds and an assist in the game.
Crandall also led the team in rebounds, bringing down seven boards in the game, and steals as well, picking off the Wolverines four times. Crandall also had three assists and one block.
Also in the top three of scoring was sophomore Carson Johnson, who scored 14 for Ankeny. Johnson also had five rebounds, two assists and two steals for a solid night on the floor.
Sophomore Lio Aguirre also led in rebounds with seven, including three offensive boards and he also had nine points, two assists and a steal in the game.
Senior Braden Simonsen also played well, scoring 11 points for the team, bringing in three rebounds and grabbing two steals as well.
Ankeny will now play in the substate championship for a chance to go to state. The Hawks will take on Waukee at 7 p.m. Tuesday at Dallas Center-Grimes High School.
Centennial girls basketball falls short
The Ankeny Centennial girls basketball team saw its season come to an end when the Jaguars fell to Waterloo West in the state quarterfinal game. The Jaguars and Wahawks faced off Monday, and Waterloo West came away victorious, winning 67-59 to advance.
The two teams were tied at 12 after the first quarter, however the Wahawks pulled away in the second, going up 31-21 at halftime and holding a steady lead into the second half as well.
Seniors Cleao Murray and Elle Street and freshman Jaeden Pratt all put up solid numbers in the loss. Murray led the team in points, scoring 23 for the Jaguars. She was also second on the team in rebounds, bringing down five, including three offensive boards, and she had a steal.
Street was next in scoring, adding 12 points on five of nine shooting. Street also had four rebounds and a steal.
Pratt had a big game down low, as she led the team in rebounds with 10, including five offensive boards. Pratt also added two assists, two steals and five points.
Junior Makenna Clark kept things moving, as she led the team with six assists. She also had three points, two rebounds and a steal in the game.


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Sworders, in Stansted Mountfitchet, Essex, is working with Curwen Print Study Centre which has recently relocated to Great Thurlow in Suffolk and hopes to raise more than £20,000 to keep its archive free to access to the public.
The Curwen Press was established in 1863 by the Reverend John Curwen (1816–80) in Plaistow, east London and worked with artists including Eric Ravilious, Edward Bawden, Paul Nash as well as illustrators, designers, painters and sculptors.
The Curwen Studio opened in November 1958 led by master printmaker Stanley Jones.
Over the past 50 years the studio has worked with artists including Henry Moore, Barbara Hepworth, John Piper, Elizabeth Frink, Mary Fedden and more recently Paula Rego.
The new premises for Curwen Print Study Centre consists of two studios providing room for teaching artists as well as space to display the centre’s extensive archive.
The archive, which includes prints, letters and vast supporting documentation relating to the lithographic print process, requires ongoing cataloguing and conservation. Once complete it will be available to the public for the first time.
However the Curwen still needs over £20,000 to enable the free access to the archive.
It is currently running a crowdfunding campaign for donations. As a thank you donors will have the opportunity to choose from a range of rewards, including limited edition fine art prints from artists including John Bellany, Nicholas Charles Williams, David Borrington and Yoshishge Furukawa.


Configure Network Time Protocol servers for the cluster to query
You can instruct each node in a cluster to query a Network Time Protocol (NTP) server for updates. The cluster contacts only configured servers and requests NTP information from them.
Configure NTP on the cluster to point to a local NTP server. You can use the IP address or the FQDN host name. The default NTP server at cluster creation time is set to us.pool.ntp.org; however, a connection to this site cannot always be made depending on the physical location of the SolidFire cluster.
Using the FQDN depends on whether the individual storage node’s DNS settings are in place and operational. To do so, configure the DNS servers on every storage node and ensure that the ports are open by reviewing the Network Port Requirements page.
You can enter up to five different NTP servers.
|You can use both IPv4 and IPv6 addresses.|
You must have cluster administrator privileges to configure this setting.
Configure a list of IPs and/or FQDNs in the server settings.
Ensure that the DNS is set properly on the nodes.
Click Cluster > Settings.
Under Network Time Protocol Settings, select No, which uses the standard NTP configuration.
Click Save Changes.


Three K-State Sorghum Production Schools will be offered in late January to provide in-depth training targeted for sorghum producers and key-stakeholders. The schools are sponsored by Kansas Grain Sorghum Commission, Agwest Commodities, Advanta Seeds, and ShieldAg Equipment.
The schools will cover a number of issues facing sorghum growers: weed and insect control strategies, crop production practices, nutrient management and soil fertility, risk management, farm bill programs, marketing, and seed technology development.
Contact: John Beckman - email@example.com
Contact: Stacy Campbell - firstname.lastname@example.org
Contact: Darren Busick - email@example.com
The schools are free to attend and a meal will be provided courtesy of the Kansas Grain Sorghum Commission. Participants are asked to pre-register by January 27. Online registration is available at K-State Sorghum Schools (http://bit.ly/KSUSorghum) or by emailing/calling the nearest local K-State Research and Extension office for the location participants plan to attend.
Ignacio Ciampitti, Crop Production and Cropping Systems Specialist
Kathy Gehl, eUpdate Editor and Extension Program Coordinator
Tags: Sorghum Schools


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ATLANTA — Chase Winovich took a deep breath and thought. Really, truly thought.
He had been asked by a reporter — shortly after Michigan was dismantled by Florida, 41-15, in the Peach Bowl — to assess the state of the program.
A fifth-year senior, Winovich is often pegged to speak to these types of big-picture questions, both because he understands the program better than just about anybody and because Jim Harbaugh, the man at the top, won’t engage them.
So they get thrown on Winovich. All year. And to his credit, less than an hour after his college career ended in a distasteful crescendo, the de facto spokesman obliged. Just weeks prior, Winovich chose to describe the loss at Ohio State as a “mirage” and, well, that explanation was no longer on the table. Where does that leave this program now?
“I caught a lot of flak a couple weeks ago because I said ‘We’re building a powerhouse.’ I used some pretty heavy words,” Winovich said, striking an uncharacteristically tepid tone. “My motivation behind that was really trying to get a recruit that decommitted to come back. So, it worked. I meant what I said, just not—we’re building a great team. This thing takes time. In hindsight, coming to Michigan, I maybe underestimated the amount of time and effort it would take to get over that hump. We’ve been chasing this for quite some time.”
Then a sigh.
“We’re close. We’re clawing at it.”
Then a question brings Winovich back to the present. The Gators posted 427 total yards — 257 on the ground — on Saturday, outscoring Michigan 35-5 after the first quarter. What surprised him about the 26-point loss?
“I’m kinda stoic in the sense that a lot of this stuff, especially playing as many years as I have, kinda stoic in the sense that a lot of this stuff is already accounted for,” he said. “I’ve already accounted in my head that certain things might happen.”
His response was in the context of what the Gators did on the field Saturday. But it’s hard not to extrapolate that to the bigger picture. Chase Winovich played at Michigan five years, and in that span experienced more highs and lows than most programs go through in a decade.
His first year on campus, a tight end at the time, Michigan went 5-7 and fired the coach that recruited him. Then the Savior Of The Program came in and turned the place upside down. In Harbaugh’s first year, the Wolverines won 10 games. The next year, inches of JT Barrett’s extended arm separated Michigan from a Big Ten title game.
All the while, Winovich somehow blossomed into an All-Big Ten defensive end. Then, slowly but surely, the outward face of the team. He came back to school unabashedly clear about his Big Ten title and College Football Playoff goals. He coined the now-infamous Revenge Tour.
Which brings us to Saturday — an unceremonious end to a one-of-a-kind career, and the unequivocal plateau of a program seemingly incapable of climbing higher.
Just minutes prior, a couple hundred feet down the hallway, Harbaugh had expounded the obvious.
“My feeling about the team is we’re right there to the top, but we have to put it over the top,” said the coach who has lost his final two games each of the last three seasons. “Especially in the big games at the end of the year.”
He’s not wrong, of course. Michigan under Harbaugh has the seventh most wins in that span in the country. Prior to his arrival, the Wolverines had just four seasons with double-digit wins since the turn of the century. Under Harbaugh, Michigan now has three in the last four years.
But after the undressing that has been the last month of Michigan football, those win totals ring hollow. Michigan hasn’t won a game later than Nov. 19 since the Citrus Bowl after the 2015 season. Its signature win of the last 4 years is … Wisconsin in 2016? Penn State this year? Bueller?
“Next year, we’re not going to try to go backwards,” Winovich said, speaking of the program he’s now leaving.
While Winovich might be correct that regression seems unlikely, the Harbaugh era has become increasingly defined by one question: Is progression really any more likely?


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With the first inaugural words of President Franklin D. Roosevelt still echoing through the nation's Hoovervilles and tent cities - "We have nothing to fear but fear itself" - Bell gave his new toy a patriotic touch by naming the Birds for the symbol of FDR's "New Deal" plan to resurrect the stricken economy with a National Recovery Administration that would jump-start it.
With the spot price of gold at $731.50 an ounce Friday, Goldflinger - Donovan McNabb - shed the perceived tarnish of last week's HBO airing of his racial angst and ensuing fallout with a 22-karat performance. And it would probably rate career-game status had the Detroit secondary and general defense looked less like 11 guys rounded up in a 1933 soup kitchen.
"I said, 'Brian Westbrook, you've got to do a better job than you did last week' and Don [McNabb] did the same thing," said the 5-10 stick of dynamite that went off at the receiving end of the quarterback's best work. On a day Westbrook ran for 110 yards, caught for 111 and scored three touchdowns, McNabb was 21-for-26 for 381 yards, four scores and a platinum rating of 158.3.
The Eagles' destruction of the 2-0 but defensively challenged Lions bought them a plenary indulgence good only until their next pratfall, which could come as early as next Sunday night in the dreaded Meadowlands against a Giants team they need to beat to keep from going 0-2 in the division and 1-3 in the NFC.
A man with an unquenchable thirst for minutia wondered what the real value of Lurie's Golden Eagles - recently one of four NFL franchises valued at more than $1 billion - would be if the gold standard were actually applied and the weight of the 53-man roster were converted to the value of the precious metal at its current price of $731.50 an ounce.
Nowhere near a billion bucks and change, let me tell you that up front. Lurie should have applied the Oil Standard.
The average Eagle weighs 252 pounds, which is 4,032 ounces or a very nice $2,949,408 in gold. McNabb, a substantial 240-pounder, would bring $2,808,960 were he converted to gold bars. The most valuable Eagles player, however, (Andy Reid might be the team's mother load) is guard Max Jean-Gilles, who packs 5,728 ounces (358 pounds) on his 6-3 frame. That's a big stack of gold bars worth $4,190,032.
The 53-man roster weighs 13,338 pounds (213,408 ounces) for a Lurie gold-standard total of - "Goldfinger" theme, please - of $156,107,952.
OK, the precious metal might be a swell image for an owner tossing out a sound bite to a quote-starved media, but it's as plain as the chalk marks on Jon Kitna's jersey that TV swag, low-interest NFL loans and the most popular brand this side of Coca Cola is even sweller.
I wonder what standard Jeffrey Lurie would have hitched his wagon to had he partnered up in 1933 and bought the franchise for the $25,000 Bell and Wray were able to scrape together in a year when the presidents of failed banks sold apples on street corners. The national anthem that year had become, "Brother, Can You Spare a Dime?" And everybody was humming it.
It sure wouldn't have been the gold standard. One of the radical steps FDR took in the fall of 1933 was to order the confiscation of all publicly owned gold bullion and coins. When the president issued that decree, gold was selling for - brace yourself, Jeff - $35 an ounce. In Germany, people were dumping shopping carts filled with $1 million Marks notes into the streets and selling the carts because the money was worthless.
Seventy-five years later, the value of the Eagles has outstripped Bert and Lud's 25 grand by only about 40,000 percent - unadjusted for inflation, of course . . .
Brother, Can You Spare a Billion?
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LOS ANGELES (AP) — Protests in California over George Zimmerman's acquittal went from violent one night to brief, small and subdued the next after authorities beefed up patrols and vowed to crack down on further disturbances with quick action and arrests.
On Tuesday night, a group of about 200 people — at times appearing outnumbered by police — marched through downtown Los Angeles between City Hall and police headquarters, briefly blocking traffic but remaining peaceful. They were flanked by officers on bicycles and on foot but did not challenge or provoke them.
Another rally at a park near the city's Crenshaw District was nearly as calm.
The same area was a different picture a night earlier, when 14 people were arrested after about 150 split from a peaceful demonstration and ran through the streets, jumped on cars, tried to break store windows and punched bystanders. A Wal-Mart store was vandalized.
Police Chief Charlie Beck and new Mayor Eric Garcetti said after Monday's problems that peaceful protests were welcome but violence wasn't — vowing an increased police presence and no tolerance for mayhem.
"Rights will be respected," Garcetti said on his Twitter account. "Crime will not be tolerated."
Los Angeles and Oakland had been flashpoints for violent reactions to Saturday's acquittal of Zimmerman in the death of Trayvon Martin in Florida.
A few dozen demonstrators watched closely by police in riot gear gathered at Oakland City Hall. A night earlier, protesters left a City Hall gathering and blocked a freeway, threw fireworks and assaulted a restaurant waiter with a hammer. Nine people were arrested.
In San Francisco, a peaceful crowd that gathered Tuesday evening at City Hall listened to speeches by NAACP leaders and sang "We Shall Overcome."
Los Angeles officials are sensitive to images of unrest in a city where the 1965 Watts Riots resulted in 34 deaths, and 1992 violence following the acquittal of four white officers in the beating of black motorist Rodney King left 55 people dead and thousands injured.
The LAPD has spent years building relationships in the black community, and is working with African-American leaders to head off more serious violence. More than 300 police officers responded to the Crenshaw demonstration. They were intentionally slow to directly engage protesters, to allow a peaceful end to the demonstration.
Los Angeles Police Commissioner John Mack, a former president of the Los Angeles Urban League, said the public needs to differentiate between the troublemakers and the peaceful demonstrators.
"It's important we don't get carried away and get so focused on the few, who in my opinion clearly were not a part of the organized group and had their own agenda," Mack said. "Quite frankly, I'm not so sure that all of them even cared about Trayvon Martin."
Associated Press writer Terry Collins in San Francisco contributed to this report. Tami Abdollah can be reached at http://www.twitter.com/latams

domain: sociology


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The London Triathlon have today announced a children’s aquathlon (combination swim and run) will kick off the event weekend at London Docklands, on Saturday 8th August.
Organised by London Triathlon and mi sport, 2015 marks the first time a children’s aquathlon will be hosted at the world’s largest triathlon. The event consists of an open water swim leg in the Royal Victoria Docks, followed by a running leg along the Docklands. The kids will experience the same excitement as the 13,000 adult triathletes and will cross the same finish line inside the ExCeL centre.
The distances are broken down into the following age categories:
9-10 years: 100m swim/800m run
11-13 years: 200m swim/1600m run
14-16 years: 300m swim/2400m run
Offering the opportunity for children of all ages to get active at the London Triathlon, in addition to the aquathlon, children aged 4-14 will be able to enter a duathlon – a run-bike-run event, of varying distances. For under-4s there’s a scootathlon which combines a little bit of running with ‘cycling’ on a no-pedal bike or scooter.
James Robinson, Managing Director of event organisers Challenger World, commented: “Through the addition of the aquathlon, duathlon and scootathlon at London Triathlon we hope to be able to provide parents a fantastic platform to get their children excited about two different sporting disciplines, giving them a taste for triathlon and the excitement of being cheered on by thousands of spectators.”
Taking place on the morning of Saturday 8th August, entries for the children’s aquathlon will be priced at £22 and are available from www.thelondontriathlon.com
The duathlon takes place on both Saturday and Sunday. Entries are £18 with discounts for siblings.

domain: hobby


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Assessing the capital health of the UK’s banks is a neverending task, of course, but Mark Carney, governor of the Bank of England, seems pleased with the current state of affairs. “UK banks are now significantly more resilient than before the global financial crisis,” he declared. Lending to the real economy could continue even if severe stresses materialise. The UK banking system is “within sight” of the optimal level of capital.
The big seven lenders passed their stress tests, though it was a narrow squeak for Royal Bank of Scotland and Standard Chartered. None will have to raise more capital as a result of the tests. Even a hike in the new counter-cyclical capital buffer, designed to ensure credit keeps flowing when economic storms arrive, “will not, in itself, change the overall capital requirements for UK banks”.
But the best bit from the banks’ point of view was Carney’s clear message that fresh capital demands were not on the agenda: “All should be clear, there is no new wave of capital regulation coming,” he said. “Our objective has never been to raise capital without limit. Or by stealth.” Thus the share prices of most banks rose strongly.
It is indeed excellent news that the governor is so confident. Even on much-debated risks such as the surge in buy-to-let lending in the UK, Threadneedle Street seems relatively relaxed. The Prudential Regulation Authority unit will examine the buy-to-let market but no curbs on lending were announced on Tuesday.
Here’s the nagging doubt: in the aftermath of the 2007-09 crisis, regulators seemed determined to set banks’ capital thresholds far higher than is now deemed acceptable. The UK’s Vickers commission and the international Basel committee spoke of core equity ratios of 18%. In the event, the bank has settled on 11%.
Carney, to be fair, gave a full explanation. First, capital is better designed these days – bondholders in the biggest banks can be forced to take pain in a crisis, for example. Second, “forward-looking” regulators are making better judgments on risks. Third, those counter-cyclical buffers can be flexed up and down as conditions require.
The arguments all sound plausible, but 18% to 11% is a mighty leap downwards. Perhaps it was necessary to avoid “the stability of the graveyard”, meaning banks so over-capitalised that they take too few risks. But perhaps more alarmingly, today’s central bankers just have complete faith in their ability to spot dangers.
BlueCrest is hedging its bets no more
“So long, clients, you’ve been holding us back with your over-cautious approach to risk; we’ll make loads more money without you.”
Naturally, this was not how Mike Platt, founder and boss of BlueCrest, one of the UK’s leading hedge fund managers, told his external investors that their $8bn of funds were no longer wanted. He is a polite billionaire and he thanked them for their custom.
But the logic of why BlueCrest, one of the world’s largest hedge funds, is turning itself into a private partnership is as summarised. Platt calculates that BlueCrest will be better off by dropping its passengers and managing only its own partners’ fortunes. “The new model provides the opportunity to create significant value for our partners, our traders and our staff, due to a step-change in profitability,” he said.
On the face of it, the decision seems bizarre. Managing $8bn produces $160m of revenue when you charge a basic fee of 2%. BlueCrest’s assets under management have fallen in recent years, but you can still hire a lot of traders and computers for that money.
The problem, it seems, is that the clients don’t share BlueCrest’s appetite for backing its trading positions with debt and the hedge fund’s trading strategy seems to depend on leverage to produce decent returns, at least in today’s low interest rate world. For the past three years, BlueCrest’s main fund has returned 4% on average, which doesn’t excite. Memories of the 45% BlueCrest achieved in 2009 have faded. In liberated form, the BlueCrest partners can bet their own money as aggressively as they wish and try to recapture past glories.
Call it a tale of the times: institutions have become more careful and the hedgies, or some of them, pine for the old days. In the circumstances, divorce does indeed seem the best option.
Staley on the starting blocks at Barclays
When Jes Staley, new chief executive of Barclays, addresses staff for the first time on Wednesday he should make one thing clear: the giant plastic blocks in the head office foyer, labelled “respect” and “integrity” and so on, are staying put.
Staley has been caricatured, almost certainly unfairly, as the man who will cut former chief Antony Jenkins’s “purpose and values” moralising – embodied by the blocks – and get back to the job of making money for Barclays shareholders. But it would be highly dangerous if traders fell for such misleading pre-publicity.
Keep the plastic. The blocks aren’t pretty but removal would send the wrong message.
guardian.co.uk © Guardian News and Media Limited 2010

domain: economics


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July 2017 Indie Next List
“The Jhas are a fairly normal family in Delhi, but when Mr. Jha sells his company for millions and decides to move himself and his wife to a fancy new neighborhood, he sets in motion changes for not only his wife, but also his son studying in New York and his former and future neighbors - changes that are sometimes good, sometimes bad, and uncomfortable either way. Jam-packed with fun and lovable characters, this novel is both a delicious, gossipy indulgence and a fascinating glimpse into the lives of people very different from one another. Those who loved the drama of The Nest will adore this warm, tender, and very funny debut from a fresh new voice.”
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View the List
A Publishers Weekly Pick of the Week
A People Pick
Entertainment Weeklys Must-List
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A heartfelt comedy of manners, Diksha Basu's debut novel tells the story of a family discovering what it means to "make i" in modern India. Mr. and Mrs. Jha had settled comfortably into their golden years, pleased with their son's acceptance into an American business school. Then Mr. Jha comes into an enormous and unexpected sum of money. Hilarious and wise, The Windfall illuminates with warmth and charm the precariousness of social status, the fragility of pride, and the human drive to build and share a home.
Thorndike Press Large Print, 9781432851071, 455pp.
Publication Date: May 16, 2018
About the Author
Diksha Basu is a writer and occasional actor. Originally from New Delhi, India, she holds a BA in Economics from Cornell University and an MFA in Creative Writing from Columbia University and now divides her time between New York City and Mumbai.


News - Anderson County, SC Closes Gates to Restore Normal Pool at Broadway Lake
July 2017 – Due to dam safety concerns resulting from severe erosion and structural degradation in the outlet area of Broadway Lake Dam, the primary outlet system was removed from service in 2016 as the lake was lowered while repairs were made. JEWELL Engineering was hired by prime consultant Woolpert, Inc. to work for Anderson County as dam engineer on this project to demolish a former failing outlet system and replace it with an extended outlet barrel to discharge normal flows into a new plunge pool beyond the dam embankment toe. JEWELL’s involvement in this project began in 2015 when we performed an inspection of the failing outlet structure which was experiencing serious undermining and structural degradation. We investigated the possibility of restoring the structure and ended up recommending that it would be better to replace the outlet and extend the turbulent discharge to a point where it could be safely managed in a new plunge pool.
Following design and permitting work, construction started in February of 2017 with project completion in May. In addition to extending the outlet and installing a new plunge pool, other areas of the dam were repaired to address surface erosion problems. A sizeable spring encountered in the plunge pool area was handled by allowing it to discharge unhindered in the plunge pool.
The lake level control gates were closed in May and with plentiful rains in May and June, the lake level returned to normal pool in June 2017, much to the relief of local residents and County Staff. The restored dam will provide reliable service to Anderson County for many years to come.


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domain: politics


Carlos R. Vega, Co-Founder and CEO
A healthy cash flow is the key to a successful business and achieving desired goals. However, the conventional spreadsheet-based cash flow forecasting methods are time-consuming, tedious, reactive, and error-prone. They no longer serve modern businesses’ financial requirements or enable CFOs to reduce cash flow volatility and improve decision-making through real-time views of predicted cash outlays and receivables. To this end, organizations need to implement a smart approach to better understand, predict, and report cash flow.
Having a comprehensive understanding of this requirement, Tesorio aims to connect people and data and make cash flow predictable so that businesses can control their own destiny and drive positive outcomes. The company empowers finance teams— CFOs, collections teams, treasury teams, and financial planning and analysis (FP&A) teams—to achieve breakthrough cash flow performance and reduce DSO and working capital while improving customer experience and relationships.
By combining business intelligence and analytics with action, Tesorio’s AI-powered cash flow performance platform eliminates tedious and reactive cash flow forecasting and collections operations and offers real-time predictions and actionable insights based on behavioral trends. The company allows finance teams to instantly unwind their cash flow by tapping into each transaction along with customer’s and vendor’s behavioral data across previously disconnected systems—instead of just forecasting trends based on aggregated historical data for the entire customer base. This enables them to identify and resolve problems even before they occur. Teams can follow up with customers using automated workflow tools to remind them to pay or schedule outflow payments intelligently in real-time. “We help our clients interconnect the data, understand consumer and vendor behaviors, and then influence customer and vendor cash policies,” says Carlos Vega, Co-founder, and CEO, Tesorio.
We help our clients interconnect the data, understand consumer and vendor behaviors, and then influence customer and vendor cash policies
More importantly, Tesorio’s cash flow performance platform can be easily integrated with leading ERP systems (NetSuite, Workday, and Sage Intacct), Office 365, Outlook, GSuite, and other major email systems, and CRM systems (Salesforce). “Due to these different integrations, we enable clients to collaborate and use data in entirely new ways.” Vega continues. “Our machine learning engine then ingests all the relevant data, processes it, and generates comprehensive reports at the push of a button. This equips clients with the capability to streamline their workflow.”
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Open letter to the new Secretary of StateBack
Along with 17 other organisations, SFCA's chief executive Bill Watkin has signed a letter calling on the new education secretary, Kit Malthouse, to urgently take action and pursue:
i) A long-term education strategy
ii) Prioritising skills as well as knowledge
iii) Evidencing a wider portfolio of talents
iv) Turning the tide on technical education (including by heeding calls to #ProtectStudentChoice and keep BTEC qualifications)
v) Developing balanced school/college evaluations.
You can read the full letter here.


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Here are the latest local, regional and national headlines on the novel coronavirus (COVID-19) for Sunday, August 16, 2020:
- There have been 40,565 confirmed cases of COVID-19 across Ontario, an increase of 106 (or 0.3 per cent) from the previous day. There are 36,873 people recovered from the virus while 2,789 people have died. The number of Ontario people tested is 2,558,839 of which 33,852 have pending results.
- Canada’s coronavirus case total is 121,889. The country has 9,024 deaths from the virus – 196 in British Columbia, 221 in Alberta, 21 in Saskatchewan, nine in Manitoba, 2,789 in Ontario, 5,719 in Quebec, two in New Brunswick, three in Newfoundland & Labrador and 64 in Nova Scotia.
- The Leeds, Grenville and Lanark District Health Unit area stands at 356 confirmed cases, 52 deaths and 304 recoveries. (The health unit doesn’t update stats on the weekend)
- The Eastern Ontario Health Unit region stands at 180 confirmed positive cases with 165 resolved. One person remains in hospital. Eleven deaths to date. Testing is at 34,155.
- Expecting a fall surge in COVID-19 cases, Canada’s chief public health officer says more ventilators will be on the way. Dr. Theresa Tam says they have learned from other countries like Italy what can happen when coronavirus cases overwhelm the supply of critical care beds and ventilators.
- A street party in Vancouver was shut down by city police Friday night which was in violation of public health measures. Video of the party shared on social media appeared to show people dancing in close quarters.
- Fresh figures from the United States show 5.3 million Americans have now tested positive for COVID-19.
- Bummer. The Philly Naked Bike Ride that usually brings in thousands of cyclists – and onlookers – to Philadelphia in late August has been cancelled due to rising COVID-19 numbers in the city. The event it meant to protest fossil fuel use and promote bike safety.
Have a story or news release related to COVID-19? Send it along for possible inclusion in a future digest on Brockville Newswatch. Email firstname.lastname@example.org. Please put “COVID-19 Digest” in the subject line.


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Consumer demand as a whole for refinancing has dropped with higher interest rates and this has impacted the once immune jumbo mortgage borrowers as well. In many housing markets across the country, jumbo mortgages exceed $417,000, and are usually higher than $625,500 in designated high-cost markets like San Francisco, Los Angeles, Bethesda or certain counties of the NYC metropolitan area.
Beginning in the first quarter of 2012 to January of 2014, the best market for refinancing was in jumbos which hit a peak origination percentage of 8.86% from a low of just below 4%, based on research from Black Knight.
On a national level, home prices increased 25% between January 2012 and April of 2014, as reported by the 20-city S&P/Case-Shiller Home Price Index.
Looking at sales data of new U.S. single-family homes this year, sales have slipped dramatically in June and the previous month’s figures was amended to reveal significantly less sales growth, indicating the housing market is still in a challenging period to regain some sort of momentum.
On Thursday, July 24, the U.S. Commerce Department reported that homes sales fell 8.1 percent, the biggest decline dating back to July 2013, to a seasonally adjusted yearly rate of 406,000 units. The sales pace in May was amended down to 442,000 units sold from the former figure of 504,000 units.
Cash buyers purchased 32.0% of all sales in June of 2014, slightly higher from 31.0% May of 2014, from 31.0% in June 2013. This means at some point a majority of these buyers may want to take cash out as interest rates are very low.
A shining star that has been a ongoing trend in the housing market is that luxury homes are still selling well. While the rest of the housing recovery continues to lag, $1 million plus homes were the only portion of the market to realize a sales increase from the prior year, based on data from the National Association of Realtors.
In addition, during those two years, many of the best-qualified jumbo borrowers who had interest-only mortgages opted to refinance at low rates to avoid having the loan reset to a higher payment.
Traditionally, jumbo mortgages had higher rates than conforming loans. This led some refinance borrowers to pay down their loan balance so they could qualify for a conforming mortgage with a lower interest rate.
Because the discrepancy between jumbo and conforming mortgage rates has pretty much went away, the motivation to refinance the instant a home owner’s mortgage balance falls to less than the conforming limit is very little. Additionally, to qualify for a jumbo refinance can still be challenging for less-qualified borrowers with debt ratios that exceed 43%. In years past, borrowers could have easily obtained these loans but with more rigid underwriting conditions it has ruled out more borrowers.
Listed below are things to take into consideration for borrowers seeking to refinance their jumbo mortgages.
If housing prices start to rise rapidly, houses may become an alternate ATM for home owners again. Once people have a certain amount of equity again they will be looking into cash-out options again.
Will ARMs lead the refinancing surge in the years to come? Mortgages that were made in between 2008 and 2009 exhibit the greatest rates of prepayment, so borrowers who have 5-year and 7-year adjustable rate mortgages will look to either sell their home or refinance it.


Saturday, May 18th
The Herb Garden
176 East 111th Street, New York NY
(Between Lexington and 3rd Avenues)
Rain Date: May 25th
The New York Restoration Project’s Herb Garden is proud to screen Iris Morales’ acclaimed documentary: ¡PALANTE, SIEMPRE PALANTE! The Young Lords – recipient of the Silver Apple Award from the National Educational Media Alliance.
¡PALANTE, SIEMPRE PALANTE! The Young Lords explores the period 1969 through the Young Lord’s demise in 1976 and highlights pivotal moments in the history of East Harlem and the Herb Garden’s East 111th Street in particular!
In the midst of the African American liberation struggle, protests to end the Vietnam War and the women’s movement for equality, Puerto Rican and Latino/a communities fought for economic, racial and social justice. From Chicago streets to the barrios of New York City and other urban centers, the Young Lords emerged to demand decent living conditions and raised a militant voice for the empowerment of Puerto Ricans and other Latino/as in the United States and for the independence of Puerto Rico.
Through on-camera interviews with former members, archival footage, photographs and music,
¡PALANTE, SIEMPRE PALANTE! The Young Lords surveys Puerto Rican history, the Young Lords’ political vision and actions, and the organization’s legacy.
Join us for this free screening and a discussion about the film and the history of our neighborhood.


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Saw the new poster for The Double earlier and quite liked it and it made me realise there have been loads of good ones in recent years - seems people have sorted their shit out: http://www.creativereview.co.uk/cr-blog/2014/march/the-double
The current ones for Budapest Hotel, Nyph()maniac and that Scarlett Johansson flick are all lovely too.
So what are your all time favourites?
I love this one for Funny Games - just such a beautiful layout: http://static.thecia.com.au/reviews/f/funny-games-poster-0.jpg
And Kill Bill vol.1 really caught my eye at the time: http://www.taramagazine.com/wp-content/uploads/2014/01/kill-bill-vol-1-movie-poster.jpg
Obviously having a big bold graphic icon is great too. Jurassic Park's got me WELL in the mood for some dinosaur action: http://www.impawards.com/1993/posters/jurassic_park_ver2_xlg.jpg
Ghostbusters too was so simple: http://www.impawards.com/1984/posters/ghostbusters_ver2_xlg.jpg
The classic Indy & Star Wars posters (and the latter Crystal Skull one to be fair) & Back to the future etc are all timeless. Rear window still looks incredibly futuristic.
The Phantom Menace also had the best teaser poster ever: http://www.impawards.com/1999/posters/star_wars_episode_one_the_phantom_menace_ver1.jpg
So what are yours? IMAGES PLEASE.


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BJC Behavioral Health is a community health center that provides and coordinates behavioral health services for more than 8,000 seriously mentally ill adults and seriously emotionally disturbed children in St. Louis City, St. Louis County, St. Fran�ois, Iron and Washington counties. As an Administrative Agent of the Missouri Department of Mental Health (DMH), BJC Behavioral Health serves as a major point of entry for people eligible for mental health services funded by DMH and is responsible for serving as gatekeeper to the public mental health system.
The Psych Rehab Specialist II is responsible for providing psycho-social rehabilitation services, based on the evidence-based Clubhouse Model approach to recovery for people living with serious and persistent mental illness. This position provides a restorative environment for people whose lives have been severely disrupted because of their mental illness, and who need the support of others who are in recovery. This position provides opportunities for friendship, employment, housing, education, and access to medical and psychiatric services in a single caring and safe environment while reducing suicide, hospitalization and incarceration rates associated with mental illness.
Work Ordered Day: Provides Clubhouse services, by applying the International Clubhouse Standards; identifies members? strengths and talents, utilize those talents by building genuine relationships and engaging members in meaningful work opportunities that result in improved self-confidence, sense of purpose, and self-worth, that lead to positive outcomes including but not limited to employment, education, housing, social, legal, substance abuse, health and wellness, and overall improved quality of life.
Employment: Provides members with opportunities to obtain paid employment in the local labor market through Transitional and Supported Employment; manages transitional employment positions at places of business in the community; develops and maintains employer relationships; trains and supports members on job site and provide around the job supports to assist with goal achievement.
Outreach, Advocacy, and Crisis Intervention: Provides phone and mobile outreach to members who are not participating to re-engage in services; supports members with identifying and accessing resources, including social security benefits, food stamps, housing subsidies, Medicaid, etc.; supports members through crisis situations by identifying the seriousness of the problem, accessing needed services, assisting with hospitalization, coordinating with other service providers and family when appropriate, and ensuring follow-up.
Documentation: Follows Department of Mental Health and Medicaid guidelines, assists members in creating and updating a treatment plan, completes weekly progress notes based on goals in the treatment plan, collaboratively when possible, and partners with members to achieve their individualized goals.
- Human Services or related
Licenses & Certifications
Valid Driver's License
Licenses & Certifications
Class E Driver's License in MO
Benefits and Legal Statement
BJC Total Rewards
At BJC we’re committed to providing you and your family with benefits and resources to help you manage your physical, emotional, social and financial well-being.
Comprehensive medical, dental, vison, life insurance, and legal services available first day of the month after hire date
Disability insurance* paid for by BJC
Pension Plan*/403(b) Plan funded by BJC
401(k) plan with BJC match
Tuition Assistance available on first day
BJC Institute for Learning and Development
Health Care and Dependent Care Flexible Spending Accounts
Paid Time Off benefit combines vacation, sick days, holidays and personal time
The above information on this description has been designed to indicate the general nature and level of work performed by employees in this position. It is not designed to contain or be interpreted as an exhaustive list of all responsibilities, duties and qualifications required of employees assigned to this job. Equal Opportunity Employer
BJC HealthCare is one of the largest nonprofit health care organizations in the United States, delivering services to residents primarily in the greater St. Louis, southern Illinois and southeast Missouri regions. With net revenues of $5.5 billion and more than 30,000 employees, BJC serves patients and their families in urban, suburban and rural communities through its 15 hospitals and multiple community health locations. Services include inpatient and outpatient care, primary care, community health and wellness, workplace health, home health, community mental health, rehabilitation, long-term care and hospice.
BJC is the largest provider of charity care, unreimbursed care and community benefits in the state of Missouri. BJC and its hospitals and health service organizations provide $785.9 million annually in community benefit. That includes $410.6 million in charity care and other financial assistance to patients to ensure medical care regardless of their ability to pay. In addition, BJC provides additional community benefits through commitments to research, emergency preparedness, regional health care safety net services, health literacy, community outreach and community healt...h programs and regional economic development.
BJC’s patients have access to the latest advances in medical science and technology through a formal affiliation between Barnes-Jewish Hospital and St. Louis Children’s Hospital with the renowned Washington University School of Medicine, which consistently ranks among the top medical schools in the country.

domain: medical


SYRCL submitted comments last week to the Federal Energy Regulatory Commission (FERC) regarding the Final Environmental Impact Statement on proposed new licenses for two large hydropower projects in the Yuba watershed. The projects, owned by the Nevada Irrigation District (NID) and PG&E, include dams which divert 70% of stream flow from the South and Middle Yuba Rivers to generate electricity and supply water to southern Nevada and Placer counties. SYRCL has been engaged in the process of relicensing these projects so that new licenses will minimize impacts to the river’s health and provide enhancements for people and native species using the river.
NID and PG&E’s projects are currently operating on extensions of their original 50-year licenses which expired in April, 2013. The terms of the old licenses do not address modern understanding of the effects of dams and diversions on the river. New licenses have been drafted with input from state and federal resource agencies, SYRCL and others. The new licenses represent significant improvements to the river, including increased minimum instream flows, more natural snowmelt recession instead of abrupt changes when dams stop spilling, and a variety of additional monitoring activities and recreational enhancements.
However, the new licenses proposed by FERC are not without need for further improvement. SYRCL provided comments to FERC as part of the Foothills Water Network, a coalition of conservation groups involved in hydropower relicensing. The twenty seven pages of comments submitted to FERC last week on the Final Environmental Impact Statement provided substantial detail to support many points, including the following:
- FERC has not sufficiently weighed the value of a cold-water trout fishery in the Middle Yuba River, and should yet prescribe additional cold water to the South Yuba River during heat waves.
- FERC needs to analyze how effects of the projects are changing under climate change.
- The analysis of cumulative effects from the project is inadequate.
- The analysis of project effects on salmon and steelhead is inadequate and yet the proposed Endangered Species Act consultation will unnecessarily delay by many years the important improvements to the river associated with the new license.
If left to the existing regulatory process, it may be another decade before the river experiences the benefits of important agreed upon measures such as increased minimum flows. While ensuring that the process is complete, SYRCL is advocating for a streamlined process or early implementation of the measures that will be benefit the river. For example, re-operating the dams to gradually reduce the rate of flow recession at the end of spill periods, as opposed to a rapid drop in flow, is an inexpensive measure that has profound benefits for native fish, frogs, riparian trees and whitewater recreationists.
“These federally licensed projects have substantial effects on stream flows, water quality, and populations of fish, frogs and other stream biota” said Gary Reedy, SYRCL’s River Scientist. “Considering the scale of these projects and the aquatic resources at stake, the new licenses are the single most important opportunity we face to improve river conditions.”
Caleb Dardick, SYRCL’s Executive Director, added “Hydro-power is a renewable resource of great value, and the new licenses must ensure that it is produced in a manner that protects human activity and the river. These new licenses will be in place for decades so they must secure environmental needs and allow for the re-introduction of salmon to the upper Yuba River watershed.”
Over the last seven years, SYRCL has invested thousands of hours of staff and volunteer time to ensure more natural flows to the river and creeks below dams in the Yuba watershed. In addition to the projects owned and operated by the Nevada Irrigation District (NID) and Pacific Gas & Electric (PG&E), the Yuba River Development Project is owned by the Yuba County Water Agency and also undergoing relicensing. For more information, including a map of project locations in the watershed, see the Dam Relicensing page at yubariver.org.
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By Marcy Nicholson
NEW YORK, July 10 (Reuters) - The Central American coffee
market has been nearly paralyzed by fears of its worst-ever outbreak of leaf
rust, as well as a collapse in futures prices, which have combined to create a
standoff between big roasters and small farmers.
As a result, some buyers are looking to Brazil, East
Africa, China and Vietnam for beans from the 2013/2014 crop, while Central
American farmers are reluctant to sell, hoping for a bounce in prices that have
slumped to a four-year low.
"People are not buying, fearful that the coffee won't be
delivered, and the producers are not selling due to low prices," said Eric
Thormahlen, president of the National Chamber of Coffee Exporters in Costa
Rica, a producer of arabica beans.
"Producers are waiting for a price miracle and they are
also waiting to see how big the harvest for next year will be to start
Some coffee buyers are reluctant to risk broken deals if
the disease, known as "roya," cuts deep into the upcoming crop from Central
While it is clear that Central America's high-quality
arabica crop will likely suffer, the extent of the damage will not become
apparent until August or September. That is when coffee cherries will appear,
enabling more accurate production estimates, and is also when the bulk of the
roasters are expected to start signing contracts.
Coffee leaf rust appears as powdery orange spores on the
underside of infected leaves, eventually turning them black and causing them to
fall off, either killing or significantly weakening the tree, reducing yields
and affecting bean quality.
"No one is really selling the new (Central American) crop
because we don't know what the impact of the roya fungus is going to be," said
Ray Keane, president of mid-sized green coffee importer Balzac Bros., in South
"Producers don't want to sell it, exporters don't want to sell it, importers don't want to risk it. But there is pretty good Brazil business being done."
It remains to be seen whether the increased interest in Brazilian coffee due to the uncertainty over Central America's upcoming crop will further boost the value of beans from the world's top grower.
Central America produces around one-fifth of the world's arabica coffee, and much of its high-quality beans with unique taste profiles is grown at high altitudes.
The current 2012/13 (October/September) Central American crop was reduced by around 15 percent, to 17.3 million 60-kg bags due to roya, with 2013/14 production expected to be hit even harder by the fungus, the International Coffee Organization said in its June report.
In May, the ICO reported the leaf rust outbreak in Central America was the worst since it first appeared in the region in 1976. Coffee crops in Mexico and Peru were also hit by the disease in the 2012/2013 crop year.
The benchmark arabica coffee KCc2
price on ICE Futures U.S. dropped about 60 percent to a four-year low below
$1.20 per lb at the end of June, from a 34-year high more than two years ago as
Brazil harvests another huge crop.
"I don't think anyone in Central America's panicked for selling coffee today because the general view is there won't be enough," said one U.S. importer.
Premiums for the Brazil's finer beans COFSAN-23-NYC on the physical market are
currently at 1.5 cents per lb over ICE Futures U.S. benchmark prices after trebling in value in the six weeks to the end of June.
In Nicaragua, premiums for high-quality arabica COF-NIC-NYC on the physical
market are at 15-month highs, almost double end-January levels, as supplies
have fallen toward the end of the marketing season.
The leaf rust situation has caused John Gozbekian, a buyer for Coffee Reserve Brands in Phoenix, Arizona, to order some beans from Vietnam for the first time, and he has his eye on China as another option, which would be another first for him.
"It's the roya that has spurred my keeping options open for other origins," Gozbekian said.
Others are looking toward East Africa for high-quality arabicas. The ICO forecasts production in Ethiopia to have jumped by 19 percent to 8.1 million bags in 2012/13, and in Tanzania by a whopping 90 percent to 1 million bags.
"I'm looking for back-up origins in case quality is affected," said Michael Boyd, buyer for Boyd Coffee Company in Portland, Oregon. He said East Africa is a good alternative.
But the biggest beneficiary appears to be Brazil, which is currently harvesting its 2013/14 crop (July/June).
"Those who are roasting low-grown washed arabica coffees, to a degree, are bypassing Mexico and Central America for Brazil," said one U.S. veteran coffee dealer.
While medium- to large-sized roasters often have flexibility to buy beans from different countries for their blends, many high-end roasters offer distinct taste profiles and single-origin brews.
Many high-quality roasters are firming up producer relationships with extra visits to Central American farms.
"If I don't go back to meet with the group of farmers I bought coffee from, someone else will," said Andrew Miller, owner of Café Imports based in Minneapolis.
Nestle Nespresso NESN.VX operates farmer training programs in
Central America that do not obligate the producers to sell to it but has helped
build relationships with farmers.
Guillaume Le Cunff, Nespresso's international marketing
and strategy director, expects those efforts to pay off when yields drop and he
needs to secure high-quality beans later this year.
"I wouldn't say we don't have any concern," Le Cunff said.
"We do all that we have to do and I think we have the tools to secure

domain: food


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If you have information about this name, share it in the comments area below!
Numerology information Tristy:
Name Number: 3 Meaning: Communication, Interaction, Friendship, Joy, Lightness, Humor, Art, Positivity, Optimism
Songs about Tristy:
Babydoll (Frederic De Carvalho vs Tristy Nesh Remix) by Adam Sky from the Album Babydoll
Get Started (Tristy DeSoul Original Mix) [feat. Donald Sheffey] by Deep'endSoul from the Album Get Started
Heaven (Tristy's Deep'endSoul Remix) [feat. K-Modi] by Stones & Bones from the Album Heaven (feat. K-Modi)
It's Love (Tristy DeSoul's Deep'endSoul Remix) [feat. Rudo] by Skaiva from the Album It's Love
Karolina (Tristy DeSoul Remix) [feat. Xmile] by Hoodtones from the Album Karolina (feat. Xmile)
Tristies by Luis Bacalov feat. Hector Luis Passarella feat. Giovanni Tommaso from the Album Tango And Around
Vanessa's Lips (Tristy DeSoul Mix) by Deep'endSoul from the Album Vanessa's Lips
Books about Tristy:
The Amazing Adventures of Tristy Ruth, Raisin Girl by Gretchen Volk (May 9, 2012)
The World According to Ammie and Tristy: Angelic Reflections of my Daughters by Dr. Mary Ruggiero (Oct 25, 2013)
Wiki information Tristy:
Tristychius is an extinct genus of shark from the Carboniferous period. Fossils have been found in Scotland. Tristychius was a small shark, about 60 centimetres long. It had a well-developed upturned caudal fin, similar to that of many modern sharks....
Tristy Viniello is the wife of Mark Viniello.


Vectoflow presented their products at the ASME Turbo Expo 2016. Dr. Christian Haigermoser and Katharina Kreitz showed the participants of the event the whole Vectoflow portfolio of flow probes and measurement systems, including the miniature 5-hole probe with a tip diameter of 0.9mm and the ceramic 3D-printed 5-hole probe able to withstand temperatures up to 2050 K. The resonance of all the visitors extremely positive. The visitors confirmed the advantages of the Vectoflow probes, which is a very high geometric flexibility combined with an extremely good mechanical robustness. This is exactly what is required in turbomachinery testing.
Please watch the following video from the ASME Turbo Expo 2016:
The highlights of the presented probes are shown in the first picture below. The Vectoflow team also received the Best Small Booth Award, see second picture.


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National Eczema Society relies on your donations to fund the charity’s vital work supporting people with eczema and their families. Whether it’s our helpline service, information booklets, research support or National Eczema Week campaign, these all have to be funded from donations. 1 in 5 five children have eczema and 1 in 10 adults – so many people need our help and support and many have nowhere else to turn. You can donate online here and it’s secure, easy and quick.Donate
Urgent Fundraising Appeal – help us support people with eczema during the Covid-19 outbreak
We are seeing an increased demand for our services during these difficult times. More people with eczema, and their families, than ever are calling our Eczema Helpline to get advice as they struggle to get appointments to see their GP or other healthcare professionals. Guidelines on frequent handwashing and the use of hand sanitizers as well as social isolation and stress are having a strong impact on people’s ability to manage the condition. Those who are taking strong immunosuppressant medication are also concerned that this makes them more vulnerable to the virus.
By making a donation you can help make sure that we keep our Eczema Helpline and other services open and continue to support people across the UK during these difficult times.
We value and appreciate ALL your donations, large and small and everything in between. You can donate online here and it’s secure, easy and quick. Your support makes ALL the difference. Thank you!Donate


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An Institute of Medicine (IOM) report released on Tuesday (9 January), says strict vegetarians should consider increasing the amount of dark-coloured vegetables in their diets in order to avoid deficiencies in vitamin A and iron. The IOM adjusts national recommended levels of vitamin A and several other nutrients.
The report detailed adjustments to the recommended dietary allowance (RDA) of vitamin A set in 1989. New recommended levels are 900 micrograms per day for men and 700 micrograms per day for women. Twelve micrograms of beta-carotene equals 1 microgram of vitamin A in the body. The panel also changed its recommendations for daily iron intake to 8 milligrams (mg) per day for men and postmenopausal women and 18 mg per day for premenopausal women.
The panel revealed that vegetables such as carrots, broccoli and sweet potatoes, usually relied upon to provide vitamin A, only deliver to the body half the amount of usable nutrient as previously thought. Vitamin A can however be found in other foods including animal products like dairy.
Importantly, vegetarians who avoid animal products altogether should be careful to get enough dark fruits and vegetables high in carotenoids, the metabolic precursors to vitamin A, to guarantee optimal vision and lower the risk of birth defects, according to Dr. Robert Russell, chairman of the IOM panel on micronutrients.
The report also examines the nutritional value of the micronutrients vitamin K, arsenic, boron, chromium, copper, iodine, manganese, molybdenum, nickel, silicon, vanadium, and zinc.


Deputies and medics tend to the suspect after his arrest. Photo credit: OnScene.TV
Deputies chased a car theft suspect Tuesday to the San Diego Riding Academy in Lakeside, where they were able to subdue and apprehend him.
The incident began when the San Diego County Sheriff’s Department received a call from a resident who witnessed someone driving out of their driveway with their truck, according to OnScene.TV.
Within minutes, a deputy spotted the Chevrolet truck, but the male driver fled at a high rate of speed in response to an attempt to pull him him over.
The vehicle pursuit, at times reaching 80 mph on city streets, concluded after about 15 minutes, in which the suspect allegedly ran red lights and stop signs while also driving into oncoming traffic.
He stopped when he reached the horse riding academy, abandoning the truck as he ran into the ranch, surrounded by the San Diego River valley.
Deputies pursued the man for nearly a half hour, while also establishing a perimeter around the ranch. When they spotted the male and attempted to arrest him, the suspect allegedly fought back, but the deputies prevailed, detaining him. They sent the man to a hospital for treatment of unspecified injuries.
Authorities found a pellet rifle in the truck.