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Peace comes from forgiveness. There is no way around it.
However, forgiveness does not come from understanding. Understanding helps us to forgive, because we are not God. If I blame everything I am on the boy who abused me, then I do neither of us any good. I don't understand why he did what he did, but I do understand what it did to my life.
It would be easy for me to argue that it destroyed what I could have been, but it opened another door and tried my heart. In many ways, it opened my eyes to who I really am.
Now, before I get slammed by those that may hear me saying that what happened to me was good, I'M NOT SAYING THAT!!!
What I am saying is that what happened to me, happened... I can't change the past and I will never know why he made the choices he did. What I do know is that I can spend my life in bitterness and anger, or I can chose to look for the good in everything.
I'm not usually very good at seeing the GOOD, but I am trying.
I'm not ready to try to understand why child molesters do what they do. I don't want to go there. I hope that it helps you (Crown44)!
What I am ready to do is to understand how my abuse affected me -- both bad and good. I know that it may be hard to imagine anything good coming out of all this, but try these on for size:
* I can not have casual sex. Most men would consider this a problem, but I am better because of it. I have been faithful in my marriage and was probably spared the pain of sexual transmitted disease because of it.
None of this excuses the person who committed a terrible crime against me, but he can not escape his final judgement. No one can. Not even me...
It is more important what I do in respose to my experiences in life than whether or not he pays for his crimes. We all pay for our crimes, and the crimes of those that impact our lives. My wife has paid for my crimes, probably more than I have paid for her's.
I can't help but believe that healing will come from knowing myself and learning to forgive.
However, forgiving doesn't mean forgetting, and it doesn't mean excusing. It means walking away from it at peace with yourself.


This Is Almost Certainly the Hottest Decade on Record, UN Weather Agency Says
We are almost certainly living through the hottest decade on record, according to a provisional report from the UN's World Meteorological Organization (WMO).
The WMO's Provisional Statement on the State of the Global Climate in 2019 was released Tuesday on the second day of the COP25 UN climate change conference in Madrid. The report found that the mean temperatures for January through October 2019 were around 1.1 degrees Celsius above pre-industrial levels, and that 2019 would likely be the second or third warmest year on record, meaning the past five years "are now almost certain" to be the five warmest years on the books.
2019 concludes a decade of exceptional global heat, retreating ice and record sea levels. Average temps for 10-year… https://t.co/Mb3TPYI6vw— WMO | OMM (@WMO | OMM)1575361800.0
"It's shocking how much climate change in 2019 has already led to lives lost, poor health, food insecurity and displaced populations," Dr. Joanna House of the University of Bristol told BBC News, in response to the report's release. "Even as a climate scientist who knows the evidence and the projections, I find this deeply upsetting. What is more shocking is how long very little has been done about this. We have the information, the solutions, what we need now is urgent action."
Since the 1980s, every decade has been warmer than the one before, but just reciting average temperature increases doesn't give a true sense of the impact of global warming, University of Manchester atmospheric physics professor Grant Allen told The Guardian.
"This [temperature rise] does not simply mean slightly warmer summers, it means an increased frequency of extreme weather globally – droughts, heatwaves, flooding and changing patterns in the frequency and intensity of tropical cyclones," Allen said. "These impacts are real and happening now and place huge pressures on communities and countries – put simply, these impacts make for a more unstable world, and are already having profound impacts on our ecosystems and biodiversity."
The report did not limit itself to temperature measurements either. Here are some other notable signs of the climate crisis in 2019:
- The amount of heat absorbed by the oceans reached record levels.
- Mean seal level rise reached its highest level since high-precision record keeping began in 1993.
- Arctic daily sea ice extent was at its second lowest minimum in September, and sea ice extent in Antarctica was the lowest on record for some months
- Cyclone Idai was one of the strongest cyclones on record to make landfall in East Africa, displacing 50,905 people in Zimbabwe, 53,237 in southern Malawi and 77,019 in Mozambique.
- Seven of the more than 10 million internal displacements recorded between January and October 2019 were due to extreme precipitation or flooding.
The report also listed some impacts from 2018. That year, a record 220 million people over 65 were exposed to heat waves, which are especially dangerous for the elderly. More than 820 million people also suffered from hunger that year. Global hunger had been in decline, but is rising again partly because of extreme weather events and fluctuating temperatures.
Attendees at the COP25 climate conference hoped the release of the report would reinforce the urgency of taking action."Now we know that global temperatures are rising to record levels and without action we can expect more climate suffering. It's vital we phase out fossil fuels as fast as possible," Dr. Kat Kramer from Christian Aid told BBC News. "The good news is this is a timely wake-up call at the start of the COP25 climate summit in Madrid. Delegates have no excuse to block progress or drag their feet when the science is showing how urgently action is needed."
- Has Climate Consciousness Reached a Tipping Point? - EcoWatch ›
- 10 Worst-Case Climate Predictions if We Don't Keep Global ... ›
- Climate Crisis Is Accelerating. Past 5 Years Will Be Hottest on ... ›
The ghoulishly named ogre-faced spider can "hear" with its legs and use that ability to catch insects flying behind it, the study published in Current Biology Thursday concluded.
"Spiders are sensitive to airborne sound," Cornell professor emeritus Dr. Charles Walcott, who was not involved with the study, told the Cornell Chronicle. "That's the big message really."
The net-casting, ogre-faced spider (Deinopis spinosa) has a unique hunting strategy, as study coauthor Cornell University postdoctoral researcher Jay Stafstrom explained in a video.
They hunt only at night using a special kind of web: an A-shaped frame made from non-sticky silk that supports a fuzzy rectangle that they hold with their front forelegs and use to trap prey.
They do this in two ways. In a maneuver called a "forward strike," they pounce down on prey moving beneath them on the ground. This is enabled by their large eyes — the biggest of any spider. These eyes give them 2,000 times the night vision that we have, Science explained.
But the spiders can also perform a move called the "backward strike," Stafstrom explained, in which they reach their legs behind them and catch insects flying through the air.
"So here comes a flying bug and somehow the spider gets information on the sound direction and its distance. The spiders time the 200-millisecond leap if the fly is within its capture zone – much like an over-the-shoulder catch. The spider gets its prey. They're accurate," coauthor Ronald Hoy, the D & D Joslovitz Merksamer Professor in the Department of Neurobiology and Behavior in the College of Arts and Sciences, told the Cornell Chronicle.
What the researchers wanted to understand was how the spiders could tell what was moving behind them when they have no ears.
It isn't a question of peripheral vision. In a 2016 study, the same team blindfolded the spiders and sent them out to hunt, Science explained. This prevented the spiders from making their forward strikes, but they were still able to catch prey using the backwards strike. The researchers thought the spiders were "hearing" their prey with the sensors on the tips of their legs. All spiders have these sensors, but scientists had previously thought they were only able to detect vibrations through surfaces, not sounds in the air.
To test how well the ogre-faced spiders could actually hear, the researchers conducted a two-part experiment.
First, they inserted electrodes into removed spider legs and into the brains of intact spiders. They put the spiders and the legs into a vibration-proof booth and played sounds from two meters (approximately 6.5 feet) away. The spiders and the legs responded to sounds from 100 hertz to 10,000 hertz.
Next, they played the five sounds that had triggered the biggest response to 25 spiders in the wild and 51 spiders in the lab. More than half the spiders did the "backward strike" move when they heard sounds that have a lower frequency similar to insect wing beats. When the higher frequency sounds were played, the spiders did not move. This suggests the higher frequencies may mimic the sounds of predators like birds.
University of Cincinnati spider behavioral ecologist George Uetz told Science that the results were a "surprise" that indicated science has much to learn about spiders as a whole. Because all spiders have these receptors on their legs, it is possible that all spiders can hear. This theory was first put forward by Walcott 60 years ago, but was dismissed at the time, according to the Cornell Chronicle. But studies of other spiders have turned up further evidence since. A 2016 study found that a kind of jumping spider can pick up sonic vibrations in the air.
"We don't know diddly about spiders," Uetz told Science. "They are much more complex than people ever thought they were."
Learning more provides scientists with an opportunity to study their sensory abilities in order to improve technology like bio-sensors, directional microphones and visual processing algorithms, Stafstrom told CNN.
"The point is any understudied, underappreciated group has fascinating lives, even a yucky spider, and we can learn something from it," he told CNN.
EcoWatch Daily Newsletter
In 'Road Map for a More Sustainable Future,' NY Regulator Tells Banks to Consider Climate Risks in Planning
By Brett Wilkins
Regulators in New York state announced Thursday that banks and other financial services companies are expected to plan and prepare for risks posed by the climate crisis.
There are many different CBD oil brands in today's market. But, figuring out which brand is the best and which brand has the strongest oil might feel challenging and confusing. Our simple guide to the strongest CBD oils will point you in the right direction.
A NASA spacecraft has successfully collected a sample from the Bennu asteroid more than 200 million miles away from Earth. The samples were safely stored and will be preserved for scientists to study after the spacecraft drops them over the Utah desert in 2023, according to the Associated Press (AP).
Exxon Mobil will lay off an estimated 14,000 workers, about 15% of its global workforce, including 1,900 workers in the U.S., the company announced Thursday.
- Will Chevron and Exxon Ever Be Held Responsible for Decades of ... ›
- Exxon Goes on Trial for Lying About the Climate Crisis - EcoWatch ›
- Exxon Sues Massachusetts Attorney General to Block Climate Fraud ... ›


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Are you wondering if it’s bad to hold newborn puppies too much? You might be worried that the mother would reject her puppies if you overstep your boundaries. So, today we’re going to talk about some important rules for handing newborn puppies. Is It Bad to Hold Newborn … [Read more...]
newborn puppy Articles
What are the Signs of Fading Puppy Syndrome?
Knowing the signs of fading puppy syndrome could mean the difference between life and death for a newborn pup. If you’ve ever had a dog give birth on your watch, you know there’s often a sad reality about the whole process: some of the puppies are going to die. And … [Read more...]

domain: pet


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15. March 2019Fri 22:00
The great hope of Dreamville Records, the label of the multi-platinum award-winning rapper J. Cole, Bas toured the US and Canada together with the boss of his label and played at the Openair Frauenfeld festival last summer. On his third album Milky Way, the New York rapper combines old school with trap and adds a sprinkling of house, soul and Latin. He raps about the raging thirst for success, the search for stability and comfort and about love.

domain: artistic


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Wedding Reception Decorations
Delicious food, drinking, and dancing? The wedding reception is the best part! Here's some of our favorite wedding reception ideas!
The Wedding Shoppe
Wedding Guest Book Ideas
Does a wedding reception get more romantic than this?
Styling by @weddingsofdesire | Table linen (Oatmeal Weave overlays with White Linen Spoke napkins) by @tablearteventhire | Floral by @prunellaflowers | Photography by @katie_harmsworth | Furniture hire by @memphis_hire @harrythehirer @placesettings | Catering by @blakesfeast | Stationery by @hardinghand | Celebrant @nataliedrumcelebrant | Entertainment @tobitobi.co @nikki_pratt
Wedding Shoot Inspo | Wedding Shoppe Inc. Wedding Dresses and Tuxedo
Here's a wedding shoot inspo that's simple and frame worthy! These pictures are stunning and we are obsessing over the bride's wedding dress she got from Wedding Shoppe! Wedding Shoppe Inc. is a one stop shop that offers all things wedding! // wedding shoppe bride // bridal hairstyles // classic style wedding // black groom suits // black ties // embroidered lace wedding dress // wedding shoot inspo // fairy light backdrop // classic wedding dress
Wedding Shoppe Inc. is on Instagram • 2,007 posts on their profile
Becca & Paulo shared some beautiful and intimate moments throughout their wedding that we can't help but share 💗 From their first look to dancing in the street to stealing a kiss or two whenever they could. These moments make our hearts so happy 🥰 way to capture pure love, @tessajunelange 📸 see more from their perfect day on our Instagram! Her wedding dress is available online or in store at the Wedding Shoppe! #weddingdressideas
Lemon Yellow, Navy Blue, & Greenery Wedding Theme | Summer Wedding Color Palette & Ideas
These two got married lakeside under a big wooden arbor, then had their reception decorated with lemon centerpieces, lemon invitations, and small lemon favors & take home gifts for their wedding guests! The yellow lemon & deep navy blue wedding color palette was perfect for this summer wedding! But the best part was her simple yet whimsical wedding dress from the Wedding Shoppe! Shop online or in store today! | summer wedding ideas | lemon wedding inspo | unique wedding | mn bride
Lemons & White Roses & Greenery | Summer Wedding Ideas, Invitations, and Decor
The ultimate summer inspiration featuring lemon centerpieces, lemon invitations, and small lemon favors & take home gifts for their wedding guests! The yellow lemon & deep navy blue wedding color palette was perfect for this summer wedding! But the best part was her simple yet whimsical wedding dress from the Wedding Shoppe! Shop online or in store today! | summer wedding ideas | lemon wedding inspo | unique wedding | mn bride | lemon themed wedding | 2022 wedding ideas | trendy wedding
Elegant, Victorian Wedding Inspo!
Rich greenery, deep florals, and warm candles are the perfect wedding decor for elegant, victorian style weddings. The bride's dress matches this aesthetic seamlessly. Shop this gorgeous brides dress and all your wedding attire needs at the Wedding Shoppe. #ElegantWeddings | #FlowerBouquetInspo | #BrideToBe | #WeddingGownInspo | #GlamWeddingInspo | Wedding Shoppe Brides
Elegant Wedding Inspiration! | Reception Table Decor | Florals & Tablescapes for and Elegan Wedding
Check out this elegant wedding inspo! From the floral tabletops to stunning china and candlesticks add to the victorian-style wedding decor. candlestick wedding decor | wedding accessories | wedding table | wedding flower bouquets | indoor wedding inspiration | elegant wedding inspiration | #wedspiration | Find more real wedding ideas from Wedding Shoppe Inc.
Elegant Bridesmaids at Glam Wedding!
These bridesmaids are wearing stunning gowns that compliment this victorian-style wedding. This wedding was all things victorian glam with candlesticks and all! The rich greenery only adds to the elegancy of the venue. The bride (not pictured) is wearing a stunning gown from the Wedding Shoppe. Check out all of our elegant, chic, and victorian-inspired wedding dresses with the Wedding Shoppe, today! #elegantweddings | #bridesmaiddressinspo | #victorianweddinginspiration
Autumn Inspired Decor – Nouba Australian wedding blog
Richard and Fiona’s Art Deco Inspired Wedding – Wedding Decoration – Nouba is a design-driven Australian wedding blog, lovingly crafted with creative couples in mind. Be inspired for your own wedding as real life couples share their special day with us all.
Wedding Ideas for a Romantic Industrial Wedding | Minnesota Wedding
This industrial wedding day was filled with greenery, brick, cafe lights, and a triangle archway as the ceremony backdrop. It was made perfect by the bride's feminine boho wedding dress from the Wedding Shoppe! | Rebecca Ingram Raelynn wedding dress can be yours - shop online or in store today! #weddingdressshopping #weddingideas #ceremonydecor #receptiondecor #ceremonybackdrop #industrialwedding
Boho Bride Making Her Wedding Fun | Romantic, Delicate, & Industrial Wedding
This beautiful boho bride did the shoe game at her wedding! But her best wedding decision was buying her wedding dress from the Wedding Shoppe! | shop hundreds of styles in all sizes online or in store today! | fun bride and groom | fun wedding reception | romantic bride | all black suit for groom | unique wedding photos
Our linen hire team share some boho wedding styling tips
Bring your boho chic wedding to life with our linen hire! Our team of linen hire experts can help stylists bring your boho chic wedding to life through thoughtful colour and fabric considerations, adding warmth, texture, and that certain whimsical style to your wedding theme.
Cards and Gifts Wedding Table Sign (5x7" & 8x10"), Greenery Cards and Gifts Sign, Printable Wedding
Wedding Cards and Gifts Table Sign Purchase, personalize, and print within minutes! Edit using the Templett app in your computer browser – no additional software needed! Please try demo and seek clarification before purchasing the template. FREE DEMO ━━━━━━
Eucalyptus Wedding Place Cards, Greenery Wedding Place Cards Template, Printable Wedding Place Cards
Eucalyptus Wedding Place Card Templates Purchase, personalize, and print within minutes! Edit using the Templett app in your computer browser – no additional software needed! Please try demo and seek clarification before purchasing the template. FREE DEMO ━━━━━━
Summer Wedding Ceremony & Reception Ideas
Beautiful wedding inspiration from Wedding Shoppe's wedding planning blog! | summer wedding ideas | outdoor ceremony indoor reception planning | lace and tulle wedding dress from the Wedding Shoppe | dogs at wedding ceremony | green wedding theme | wedding inspiration for 2021 and 2022 weddings
Wood and Modern Wedding Signage and Decor
find beautiful wedding ceremony and reception decor and more on Wedding Shoppe's blog! Venue: Ivory North Co in Minnesota | modern and beautiful wedding ideas | 2022 wedding ideas | 2021 wedding inspiration | modern barn wedding | sleek and chic barn reception
Simple Bridal Bun for a Lace Neckline Wedding Dress
This beautiful bride had a messy low bun for her wedding day which was perfect for this summer wedding and her lace neckline wedding dress from the Wedding Shoppe! | bride and groom close up kissing picture at the head table | head table wedding decor | mr and mrs sign for head table | reception ideas & photos


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Dubai Design District showcases exhibition on sustainable architecture by Foster + Partners
Foster + Partners, in association with Dubai Design District (d3), is presenting its first exhibition in the UAE, entitled ‘The Art of Sustainable Architecture’, investigating the work of the practice through the lens of sustainability. Located in Building 6 Atrium between 31 January – 28 February 2019 at Dubai Design District.
Focussing on the importance of human experience in the design of the built environment, it also shines a light on Foster + Partners’ integrated approach to design that combines expertise from several disciplines. This approach brings unique design solutions that are tailored to the site, its context, users and culture. A wide overview of the practice’s work, the exhibition also asks pertinent questions about the future of the built environment, inviting the audience to creatively speculate about what their surroundings may be like over the next fifty years and beyond.
Sustainability has been a central theme of Foster + Partners’ work for more than five decades. In a wide variety of projects it has pioneered a holistic approach to issues of energy, water, waste and transport that remains integral to the practice’s work, which includes the sustainable Masdar City masterplan in Abu Dhabi, the Haramain High Speed rail in Saudi Arabia, two of the world’s first ecological office towers – the Commerzbank in Frankfurt and the Swiss Re headquarters in London, Apple Dubai Mall and the Index Tower in Dubai, and most recently, Bloomberg’s new European Headquarters in London – the world’s most sustainable office building.
Gerard Evenden, Head of Studio, Foster + Partners commented, “Promoting the sustainable design of our built environment is essential if we are to rise to the challenge of climate change. The Middle East has shown remarkable vision in endorsing a green future and we are delighted to have the opportunity to host this exhibition in Dubai showcasing our sustainable approach to architecture and urbanism.”
Khadija Al Bastaki, Executive Director at d3 commented: “We are delighted to support Foster + Partners, one of our architectural business partners, in their first exhibition at d3.Today’s environmental and economic challenges have brought sustainability to the forefront of design and production methods and it is important to recognise this. The UAE has taken great steps to incorporate sustainable design in the creation of living spaces, with a target to become one of the most sustainable cities by 2020. It is exhibitions like this that demonstrate the evolving design industry in both Dubai and the Middle East.”
The exhibition offers visitors a unique insight into the workings of the studio exploring the use of different tools that have revolutionised the way designers work. The exhibition includes models, photographs, drawings and films that illustrate the depth of research and analysis that goes into designing and building some of the most complex and innovative projects in the world.
The exhibition will be on display from 31 January to 28 February. There will be an accompanying lecture by Gerard Evenden on 31 January on ‘Sustainable Futures’ at 12.30pm at the Dubai Design District.
@d3Dubai @FosterPartners #SustainableDesign #DubaiDesignDistrict


EQUALIZER International, a world-leading designer and developer of flange maintenance tools, has launched its latest innovation, the Flange Integrity System.
The Equalizer Flange Integrity System, a world first, provides an unique solution to the industry-wide issue of heavily-corroded or degraded bolts within flange joints and has an application to those concerned with maintenance or integrity issues.
Says a spokesperson: “In scenarios where bolts are heavily corroded, there can be uncertainty about true bolt strengths and operators are faced with choices over hot bolting or shutdown or postponing the decision on how they will address the issue.
“This problem now has a solution in the form of the Equalizer Flange Integrity System which provides a means of restoring the flange joint integrity back to its original state in a safe, efficient and cost effective manner.
“The Equalizer Flange Integrity System takes away the need to remove corroded bolts by ‘replacing’ them with a new set of bolts which clamp round the outside of the flange and are then held in place by a floating frame.
“It can therefore replicate the same bolt size, quantity and specification used during the initial flange joint assembly.
“Installation of the system is simple and quick, with a typical four bolt flange joint taking less than one hour to set-up.
“Taking away the need to remove old bolts also reduces the risk of flange joint leakage. The system can be used on carbon or stainless steel, duplex or cunifer flange joints.”
Ian McCormick, managing director of Equalizer International, said there had already been strong industry interest in the new system: “Replacing corroded bolts on flanges which may have been in place anywhere up to 30 years or more is an essential part of asset maintenance and particularly relevant in the North Sea where there are a number of aging assets which have to deal with this problem.”
The Equalizer Flange Integrity System has significant operational and commercial benefits.
The spokesperson added: ‘It can be used in situations where alternative solutions cannot be used, for example on high pressure, larger diameter flange joints.
“In these circumstances, the only current solution is to carry out maintenance during shutdown resulting in potential loss of production and revenue.
“By effectively providing a ‘replacement’ set of bolts around the flange joint it also provides peace of mind to integrity engineers about the reliability of their bolted joints.”
Added McCormick: “Using our system would also mean that companies could accurately assess how long the work will take so that they can budget time and resources accordingly. At the moment, it is impossible to do that with any degree of certainty.
“The Equalizer Flange Integrity System is the first of its kind to be introduced into the market place. This demonstrates our commitment to solving industry issues through innovation.”
NOTES TO EDITOR:
• Equalizer International was established in Aberdeen, Scotland in 1994 and opened its Houston office in April 2013.
• It is the world’s leading designer and supplier of flange maintenance tools for the oil and gas, petrochemical, nuclear, water, mining and renewable energy sectors.
• The tools designed and manufactured by Equalizer International offer significant time and cost savings and make flange maintenance working practices much safer.
• The company has designed and developed more than 20 flange maintenance tools and a range of hydraulic and mechanical pumps and power lifting tools.
• Equalizer International’s tools are distributed globally to more than 40 countries and are used by many of the world’s biggest energy producers and contractors.
• Equalizer International is a past Scottish winner of the British Chambers of Commerce Outstanding Achievement in Internationalisation Award.
For further information please contact: Colin Gough, global sales and marketing manager, Equalizer International, Tel +44 1224 701970. Email: email@example.com
For general media enquiries please contact: Kate Yuill on behalf of Equalizer International and Granite PR Tel: + 44 7850 736528. Email: firstname.lastname@example.org
MEDIA RELEASE posted by Granite PR. You too can post media releases (aka press releases) on allmediascotland.com. For more information, email here.
Contact: Brett Jackson


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The elusive destination and the stress of uncertainty
All of a sudden the window of when our house would be delivered to High River potentially grew by leaps and bounds. Everything is going to depend on the underground work that needs to happen.
Heather and I were equally upset over another unexpected delay and had to go for a walk after dinner to clear our heads and figure out what we are going to do. We were as stressed as we have been through this entire process.
On the one hand, Heather leaves in a couple of weeks for her month long 400 km walk in Italy. All of her trip supplies, including her passport, are buried in a storage pod. On the other hand, I have a growing list of painting commissions and live painting events. All of my art gear is also tucked away in a pod. We also have Ideal Protein clients patiently waiting for us to get set up again.
What we have decided to do is rent an AirBnB in the Okotoks area for a week, to get Heather ready for her trip and for me to gather my art supplies. After dropping off Heather at the airport on the 12th, I will hang my hat with family in northeast Calgary. Coco and Shay are going to stay behind at the farm near Sexsmith with my sister and brother-in-law. They love it out here and it will be way easier to pick them up and bring them to High River when everything is set up.
I had tears in my eyes as family stepped up with offers to help. Friends have also been so supportive. In many ways, how I felt yesterday was similar to how I felt during the hardest days of the evacuation from Fort McMurray during the fire of 2016. I felt powerless; I felt awful.
Stephen and the team from SEED Homes have been walking alongside us this entire way. None of us could have predicted the issue of a downtown lot not being serviced. That came out of left field. None of us could have predicted a highly acclaimed window supplier who over promised and absolutely under delivered. At the same time, all of us had to navigate the development permit process.
Meanwhile, after getting a few hours sleep, my stress headache has gone away and I'm feeling more level headed today. I'm so grateful to Corinne and Chris for allowing us to be with them for so long and for offering to look after our dogs while we sort things out down south. We are grateful to Mike and Kathryn for offering me a place to stay while Heather is in Italy. It was very helpful to talk to our friend and realtor Rob Kunz to get his advice. And we are grateful to the SEED Homes team for building our house and studio and assisting with all this other stuff that has popped up.

domain: geography


The American Physiological Society (APS) has issued a press release promoting the laboratory research of School of Education Exercise Science Associate Professor Keith DeRuisseau. DeRuisseau and Patrick Cowley, Ph.D., the lead researcher on the project, recently had an article published in the American Journal of Physiology – Regulatory, Integrative and Comparative Physiology, offering new insights into the role of muscle weakness in Down syndrome.
“The APS selects only a handful of articles for press releases each year,” says DeRuisseau, “We’re so pleased our paper was selected.”
The article, Functional and Biochemical Characterization of the Soleus Muscle in Down Syndrome Mice: Insight into the Muscle Dysfunction Seen in the Human Condition, investigates moderate to severe muscle weakness that people with Down syndrome can experience, using a mice model.
“Surprisingly, we found that the strength of the muscle itself was the same between the Down syndrome and control mice—suggesting that factors in the nervous system may play a more dominant role in explaining muscle weakness in DS,” said Cowley. This study shows the importance of better understanding muscle weakness in Down syndrome.


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Craig Mackail-Smith is back on the goal trail for Albion.
He scored for the second successive home game in today’s 2-1 win over Bolton.
Our chief sports writer Andy Naylor tweeted during the game: “Hyypia's system suits CMS as a lone striker in a way that no other has before in his time at the club.”
So do you agree? Has Albion’s current formation and style of play at last brought the best out of the club’s record signing?
Does he still need more support? And in which position should Albion invest next in the transfer market?
We’d love to know your thoughts.
- Albion defender Rosenior determined to overcome the managerial odds
- Rosenior reckons Albion have the perfect blend to clinch promotion
- Konta fights back to reach semi-finals in Miami
- Davis backs injury-hit Sussex to be fit and firing for start of new season
- Albion striker Hemed responds to Israel ban

domain: news


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The “Harry Potter” franchise recently made a huge comeback in one of the least likely places you’d expect it to go viral on: TikTok. The iconic book and movie series featuring our favorite Gryffindor trio has reawakened a distant memory and almost-forgotten love within many Potterheads (including myself). One of the things every Harry Potter fan has done at least once before was determining which of the four Hogwarts Houses they belong to: Gryffindor, Hufflepuff, Ravenclaw, or Slytherin. Each of the four Houses has distinct characteristics that define them—however, there is more to each House than the surface-level characteristics they’re often associated with.
Gryffindor is notorious for housing many of the wizarding world’s most iconic, bravest heroes. Godric Gryffindor, Gryffindor’s founder, prided himself for selecting students who embodied the traits of courage, nerve, and chivalry to join his House. Gryffindors have a strong sense of care for others, possibly even to the point of being embodiments of the phrase, “I would literally die for you.” They would put the people they love ahead of themselves first and would do anything to ensure their safety. However, while some people would assume Gryffindors show this kind of passion in a singular way—most likely in a fiery and fierce manner—there are various ways in which a Gryffindor would demonstrate their care for others. Some are upfront, kind, and caring although coming on a little strong sometimes. Others may be a little rougher around the edges, but that doesn’t take away what’s in their heart; it simply means they’re more strongly-opinionated than most. While most people think all Gryffindors are extroverted, fiery people, this is not necessarily true. Some are also more on the sweet side and not as hard-headed or outspoken as the stereotypical Gryffindor, but their love and loyalty for the people close to them are the same.
Gryffindors are very pure of heart, meaning that while they’re not constantly all-around perfect and good (I mean, who is?), they have high moral standards and instinctively want to do the right thing. They will often act on their conscience, making them doers instead of thinkers. A Gryffindor’s loyalty is so strong, it may honestly rival that of a Hufflepuff’s. They’re the kind of people who will not give up on you, no matter how much you think otherwise, and are the ideal friend who will carry you through if you’re in a rough and hard place. That being said, this strong sense of loyalty may backfire such that their need to be there for others often causes them to forget themselves and their own emotional and mental needs. Gryffindors are probably the most emotional of all of the other Houses, so there will be a point where this kind of emotional bottling will cause them to lash out at inopportune moments if they do not find an outlet sooner. Their impulsive attitudes would not help in this kind of situation, and they may do or say something they will later regret if they do not have someone willing to hear them out.
Overall, while Gryffindors may not often think before they speak sometimes, their intentions are not often to truly hurt another person—they’re simply the kind of people who get caught up in the moment and this may cause them to do things they don’t really intend. The regret they feel afterward would hurt strongly because once they have the time or chance to think about their words or actions, their emotions take hold and their guilt is nearly unbearable.
All in all, a Gryffindor’s life mission is simply this: To make a difference, to make history, and to have plenty of fun in the process.
Daredevils – Journalists – Athletes – Authors – Travelers
Ravenclaws are well-known for their wit, wisdom, cleverness, intellectual ability and creativity. Rowena Ravenclaw housed the wizarding world’s greatest inventors, artists, and innovators. However, their strong academic intellect does not necessarily define the Ravenclaw house —it is their desire to gain knowledge at every opportunity. Their thirst for knowledge is not just to fulfill their ambitions and achieve greatness but rather to gain knowledge for knowledge’s sake. That is not to say Ravenclaws are not ambitious—if anything, Ravenclaws and Slytherins have some overlap in terms of their values, which includes ambition. However, while Slytherins thrive on achieving greatness, Ravenclaws tend to desire to know the why of everything. They will do whatever it takes, whenever possible, to seek as much knowledge as they can. They would even be willing to take some risk if that means they have a chance of acquiring the knowledge they seek. It is no surprise that Ravenclaws deeply enjoy reading—they love books and would choose to be buried in a book than most other things. Because they’re so well-read, that also makes them excellent critical thinkers and a treasure trove of knowledge and ideas—ideas in which they collect furtively because they’ll never know when something they read will benefit someone else.
What also makes Ravenclaws so great is their inclusivity. To them, being eccentric is acceptable—in fact, they welcome ideas that don’t necessarily conform to the status quo. They recognize that every person has a different way of thinking and rather than conforming to a singular train of thought; Ravenclaws welcome intellectual diversity and open-mindedness, making them the most inclusive Houses out of the four. After all, new ways of thinking lead to new possibilities. Since Ravenclaws are big on reason and inclusivity, they are also highly intolerant of ignorance, ineptitude, and close-mindedness. Their progressiveness is what makes Ravenclaws so futuristic. They are the kind of people who loves to peer over the horizon. As if the future were projected on a wall, they see in detail what the future might hold, and this detailed picture keeps pulling them forward, into tomorrow. They gravitate to projects and subjects that promise to shape the future. They’re dreamers who see visions of what could be, making them drastically different from Slytherins who tend to look into the past instead. Their high sense of futurism also makes them great achievers.
Of course, every Ravenclaw is not perfect. While Ravenclaws are very intelligent people, some of them can succumb to arrogance and use their intellect as a justification to view themselves as being better than others. Isolation may also be a problem for some Ravenclaws. While some isolation can occur for innocent reasons—for example, if they wish to be alone to study or to read a good book—it can also be a byproduct of arrogance. They may envision themselves as being better than others, so they may be unwilling to associate with those they deem as intellectually inferior to them.
Ravenclaws are also very individualistic, opinionated, and analytic. They typically don’t follow the crowd or succumb to peer pressure—they do what they want to do, even if it involves flouting social conventions. They are very attentive to details and see things that no one else sees. Chances are good that they’re usually quiet during conversations, taking in everything that is being said. By being well-informed, Ravenclaws can formulate well-thought-out opinions supported by facts and well-supported information. They don’t mind being alone, making them a little more cerebral or introverted than Gryffindors or Hufflepuffs. This gives them the chance to occupy themselves with books, theories, or their own thoughts, which allows them to enjoy their time for reflection and introspection. In this sense, Ravenclaws are their own best companions. However, should a Ravenclaw want to talk, they want people to listen attentively and will get very upset if people don’t care for what they have to say.
Scholars – Professors – Artists – Psychologists – Philosophers
Hufflepuffs are noted for their strong sense of loyalty, honesty, kindness, hard work, and care. They’re perhaps the most underrated House out of the four—most often, people associate Hufflepuff as the House that takes in those who don’t fit the brave Gryffindor, smart Ravenclaw, or cunning Slytherin stereotypes. This is false. Helga Hufflepuff was the only one who was willing to look past the competitive nonsense the other three Houses created and valued Hogwarts as a home for the students, not just as a school of magic.
Hufflepuffs are true, steadfast friends and typically are the embodiment of everything a good person should consist of, in my opinion. They’re highly empathetic people and are the kind of people who have a good sense of the emotions of others, even if they’re not expressed. While Hufflepuffs generally are very nice people, that does not mean they’re pushovers—in fact, they are far from it. Hufflepuffs are fiercely protective of their own and will defend their family and friends if push comes to shove. However, they are much less confrontational or daring about it than Gryffindors. They’re generally pacifists with a strong dislike for conflict and would rather resolve things through common sense and words, making them the literal embodiment of the phrase, “Kill them with kindness.”
Hufflepuffs don’t particularly care about attaining individual achievement or being the center of attention. They are more likely to focus on their relationships with others rather than the things they have done. While they may not have a Ravenclaw’s love of learning and knowledge or a Slytherin’s ambition, they pride themselves on being the hardest workers of them all. To them, hard work is usually all it takes, and they are often rewarded for it.
Unfortunately, Hufflepuffs’ biggest strengths may also lead them to their greatest weaknesses. Since they are usually optimists and can find the good in everything, they can be naïve if their optimism is taken to an extreme. If they’re not careful, they can be easily tricked and taken advantage of. Additionally, since Hufflepuffs have a tendency towards modesty, they can sometimes fail to see their worth, leading to low self-esteem. At best, this can cause them to simply underestimate themselves, but at worse, it can cause severe problems such as a lack of self-confidence and self-worth.
Hufflepuffs are also very practical people, making them the antithesis of Ravenclaws in this aspect. While Ravenclaws relish in discovering the unknown, Hufflepuffs prefer to stick with what’s already known—the what is over the what if. They’re also not risk-takers by nature and would prefer to avoid danger whenever they can. They don’t see the point of putting themselves or others in danger, making them more practical than Gryffindors who are more willing to take risky chances.
Hufflepuffs are nurturing people, and you can see this clearly when they’re tending their plants, looking after animals, or cooking homemade food. They’re the embodiment of comfort and all that’s associated with the feelings of home. Just because they don’t outwardly exhibit typical “strong” traits like bravery, sharp intellect, or cunningness, their goodness and kindness are still very powerful weapons.
Caretakers – Sociologists – Poets – Counselors – Teachers
Over the years, Slytherins developed a bad reputation because of how strongly associated they are with the Dark Arts — perhaps to the point where it’s just downright unfair when, in every other Harry Potter Sorting Hat quiz you find on the Internet, choosing all the terrible and negative options would lead to you being Sorted into Slytherin. However, Slytherins as a whole are not evil by nature and to assume that they are based on several individuals would be incorrect. Evil comes in many forms and can manifest themselves in all sorts of ways in each House (yes, including Hufflepuffs, although they do produce the least number of Dark wizards and witches out of the three). Slytherins are primarily defined by their strong ambition, self-confidence, and drive. Emotions (either their own or others’) do not get in the way of their goals because once they’re set, Slytherins fully intend to fulfill them, no matter what falls on their path. They do not truly mean to hurt people—they may just be incredibly blunt and see no need to mince or sugarcoat words. This trait can be more shocking to the more emotional houses, but it’s also what makes Slytherins strong and beautiful. They hold their ground without letting anything waver them and refuse to be nothing in the world.
The most positive things about Slytherins are their determination and will. Nothing you can say will take them down, even if you have an opinion on their words or actions—they do not need your approval or consent and therefore your opinion means nothing to them. They are driven by the need to be successful in life and take pride in their accomplishments. That being said, their positive traits can also lead to their downfall. They have extreme highs and lows, caused by their own doing. While others cannot put them down, they are still capable of being hurt, often because of themselves. They’re the type of people who will silently beat themselves up if they do not live up to their expectations or do not meet their goal as expected. Their worst fears include being viewed as a failure or feeling like they’re not doing enough in their work towards their aspirations. On the Pottermore quiz, one of the questions asked what the taker’s worst fear is. A Slytherin may choose the option that said fear of heights. Of course, not everyone who genuinely has a fear of heights is a Slytherin and their fear of heights does not necessarily correlate with their characteristics. However, one can view this symbolically—a Slytherin aspires to be at the top so it makes sense that one of their fears would be their fall from greatness. Their near bloodthirsty craving for success can easily lead them into a darker place of self-loathing.
If you have a Slytherin as a friend, cherish their friendship. Slytherins often go in and out of friendships, mainly because friends aren’t always part of their plans, but they do have a select few that they consider close friends and they’re incredibly loyal to them—in fact, these friends are some of the people they care about most in their life. It’s harsh to say all Slytherins are cold and unfeeling, even if some may come off that way sometimes, but do not underestimate the love they have for their family and friends. However, as soon as someone in their circle begins to act toxically or in any manner that is detrimental to them, Slytherins will drop them instantly—this is their self-preservation trait kicking in. Of course, self-preservation isn’t bad—it just means that, like a Ravenclaw, they have the intellect to know when something is too reckless or bad for them, unlike a Gryffindor who may charge into a situation without really thinking it through. Additionally, this makes them analytical in nature like a Ravenclaw (as mentioned earlier, there is a lot of overlap in characteristics so one trait isn’t exclusive to just one house). They are easily capable of analyzing a situation and see what the costs and benefits of it are.
All in all, Slytherins plan to do what it is they do best, make their name known, and show pride in where it is they come from.

domain: literature


text:
This is the music that helped define my musical taste from childhood! Many thanks for this to my father, who has a wonderful taste for real music!
2. Nils Frahm – Human Range
A case when goosebumps run from the music! no explanation!
3. Ólafur Arnalds – Öldurót ft. SinfoniaNord, Atli Örvarsson.
And another representative of the neoclassical. This is the same music with a capital letter that penetrates very deeply.
4. 6th Borough Project – Just A Memory
One of the kindest compositions. I always listen to this track when I miss the sun and sea.
5. Sébastien Tellier – La Ritournelle
Always loved the vocal part in this track.
6. Sampha – Happens
Just beautiful and touching.
7. Zero 7 – Truth & Rights
It was difficult to single out one track from these guys. I love a lot of what they do. This is the same combination of music on which I was brought up but in a new guise. This is a track which makes you want to run to the other end of the world. Just listen to what they get up to at 3:34 minutes, and goosebumps again! But you must definitely listen to the track in full to capture this moment.
8. Son Lux – No Fate Awaits Me ft. Faux Fix
Soothing music by Son Lux. A combination of a sad but light melody. if you want to tickle the soul, then this is a must listen.
9. Tame Impala – Cause I’m A Man
A frequent visitor to my home playlist. Love their signature electric guitar sound.
10. The Black Keys – Ten Cent Pistol
One of my dreams is to drive along the coast of America listening to this track.
Makebo – You (Peace Symphonies)
Makebo is one of a new breed of Russian acts taking steps on the international stage, with recent releases on Lee Burridge’s All Day I Dream and Shanti Moscow Radio. With a sound rooted in the melodic, his productions are all engaging and deeply personal as he displays once again here. Peace Symphonies launched in November 2020, the brainchild of respected artist Gorje Hewek. ‘You’ is a near eight-minute slice of gently evolving, electronic excellence built around warm chord progressions and subtle drum programming that provide the perfect base for the ethereal almost indie-esque vocal delivery. Exquisite sound design and understated melodies make this a truly compelling affair that is as much a home listening experience as it is a sunrise beach party contender.
Out Now… Makebo – You (Peace Symphonies) Cat No: PEACE02


text:
If you are a qualified elector who is registered to vote, and you are unwilling or unable to appear at the polling place on Election Day, you may request an absentee ballot in writing, delivered to the Village Clerk's Office by letter or in person. An original signature is required. No request for absentee ballot can be made by telephone. You shall provide Photo ID. Use this link -Bring it to the Ballot Website, to give you information on regulations of Photo ID and how to obtain a Photo ID.
Absentee Ballot Application EL-121
Request An Absentee Ballot by Mail
Download Absentee Ballot Application EL-121(see above) or
Submit a written request containing the following information:
1. Date(s) of Election(s)....please be exact
3. Voting address
4. The address where the absentee ballot should be sent (if different)
5. Date of birth
6. Phone number
7. Signature and
8. A copy of your Photo ID shall be submitted with your request
Absentee requests should be sent to the Village Clerk's Office P.O. Box 158 Holmen, WI 54636.
Any request for an absentee ballot to be mailed to you must be received in the office no later than 5:00 p.m. on the fifth day (Thursday) before Election Day. Please allow adequate time for mail delivery each way.
In-Person Absentee Ballot - You shall provide Photo ID
If you choose to request an absentee ballot in person, you may do so at the Village Clerk's Office 421 S. Main Street, Holmen, WI 54636.
You may vote an in-person absentee ballot at our office starting two weeks before each election; ending on the Friday preceding the election.
Permanent Absentee Status
If getting to the polls is a physical hardship, you can apply for permanent absentee ballot status at the Holmen Village Hall, 421 S. Main Street. Please complete the above mentioned Absentee Ballot Application or an application may be obtained at Village Hall.
Once you have a permanent absentee ballot status, a ballot will be sent to you automatically as long as you return your ballot for each election.
Deadline for Returning Absentee Ballots
The completed absentee ballot must be received by the Village Clerk by 8:00 p.m. when polls close on the night of the election so that it can be counted.

domain: law


This is a press statement from Akbayan.
Akbayan National Spokesperson Risa Hontiveros today asked Vice President Jejomar Binay to explain his camp’s statement that a vote for the acquittal of impeached Chief Justice Renato Corona will bolster his chances in the 2016 elections.
Hontiveros made the statement after former Senator Ernesto Maceda, a leading member of Binay’s United Nationalist Alliance (UNA) revealed that the acquittal of Corona will strengthen the Vice President’s chances in the upcoming presidential elections.
“Is UNA through Maceda now saying that they will work for the acquittal of Corona? Is UNA now saying that it is willing to subvert justice and accountability in exchange for its 2016 political ambitions?” Hontiveros asked.
“If Maceda’s statement is the official party line of UNA, I think It just undermined the Vice President’s chances in the 2016 presidential elections. I hope Vice President Binay will explain his camp’s disturbing statement and state for the record where he and his electoral alliance stand on the Corona impeachment trial,” Hontiveros added.
Hontiveros said Corona’s conviction is non-negotiable. She said politicians and emerging political formations should refrain from using the people’s desire for justice as bargaining chips for their political aspirations.
“The people’s campaign against corruption is non-negotiable. The people’s desire to remove Corona is not up for bargain,” Hontiveros concluded.


text: Welcome to Desi's Sweets Bakery. My name is Desi, and I have a passion for making extraordinary cakes and all sorts of international sweets. I love to bake from scratch with quality ingredients, making sure everything tastes amazing. I love a good challenge and work real hard to ensure my clients are completely satisfied. I've been baking since I was little, and have been decorating cakes for the past 6 years. Feel free to take a look around, follow us on Facebook and Instagram, or if you have any questions, leave us a note on the contact page.


Whether you’re hoping to read them before the movie comes to theaters or you’re getting ready to say, “the book was so much better!” check out these 6 must-see book to film adaptations in 2017!
Limited Release – December 2016 | Full Release – January 2017
It may come as a surprise that this movie almost didn’t make the list—but that’s only because we’d assumed everyone had already seen it! With three Oscar nominations, including Best Adapted Screenplay and Best Motion Picture of the Year, Hidden Figures is an important film and an instant classic. If you’ve already seen the movie, be sure to read the book!
Based on Margot Lee Shetterly’s book by the same name, Hidden Figures follows the true story of the brilliant African American women who worked for NASA during the 1960s space race. The film stars Taraji P. Hensen, Octavia Spencer, and Janelle Monáe.
Released April 28, 2017
Ok, so “must-see” may be a little bit of an exaggeration for this one. Full disclosure: this film currently holds a 16% rating on Rotten Tomatoes. But hey, sometimes that’s all the more reason to watch a movie! And, as every book lover knows, it’s often difficult to translate page to screen.
The Circle is based on a 2013 book by Dave Eggers, the founder of McSweeney’s and author of A Heartbreaking Work of Staggering Genius (2000). He also co-wrote the screenplay for the film with James Ponsoldt. Eggers has previously collaborated on some wonderful scripts for Away We Go (2009), which he co-wrote with his wife, Vendela Vida, and Where the Wild Things Are (2009), co-written with Spike Jonze. If nothing else, The Circle offers an intriguing dystopian premise with an all-star cast: Emma Watson, John Boyega, and Tom Hanks (don’t miss Hanks’s performance in the 2016 adaptation of Eggers’ novel, A Hologram for the King)!
In Theaters June 2, 2017
Based on what might be the most formative reading material for millennial children, the film adaptation of Captain Underpants introduces Dav Pilkey’s beloved characters to a new generation. The movie tells the story of an elementary school principal who becomes the titular superhero after being hypnotized by two of his trouble making students.
In the same vein as The Peanuts Movie (2015), which blended a classic cartoon style with 3D animation, Captain Underpants looks to be another blockbuster hit for DreamWorks. The film stars Ed Helms (as Captain Underpants), Kevin Hart (as George), and Thomas Middleditch (as Harold).
In Theaters July 21st, 2017
There’s no shortage of comic book adaptations in 2017—Logan, Guardians of the Galaxy, Wonder Woman, Spider-Man: Homecoming, Thor: Ragnarok, and The Justice League: Dawn of Justice. However, for something outside of the typical DC/Marvel fare, Valerian looks spectacular. Adapted from the 1960s/70s French comics Valérian & Laureline by Pierre Christin and Jean-Claude Mézières, the film is directed by Luc Besson. It seems like a match made in heaven, considering Mézières drew some of the original concept art for Bessen’s most famous film, The Fifth Element.
If the trailer is any indication, Valerian will be bold, beautiful, and lots of fun. The cast includes Cara Delevingne, Dane DeHaan, Clive Owen, Ethan Hawke, and Rihanna.
The Dark Tower In Theaters August 4, 2017 | IT In Theaters September 8, 2017
Stephen King is no stranger to film and TV adaptations. Still, there has been such an enormous amount of buzz surrounding both movies, King gets his own spot in this list. By now, you’ve probably already seen the trailers, but in case you haven’t, you can watch The Dark Tower trailer here. Also, be sure to check out our previous blog post where we talk about the teaser trailer for IT!
But there’s another reason these two films share a spot on our list. According to Screen Rant, fans are already speculating whether the two films might actually be set in the same universe. After all, The Dark Tower series includes characters and connections from other King novels, including Salem’s Lot (1975), The Stand (1978) and Insomnia (1994). We can’t wait to find out.
In Theaters November 17, 2017
Based on the young adult novel by R. J. Palacio, Wonder is the story of a boy with a rare facial deformity who enters a private school after having been homeschooled by his mother. The film is directed by Stephen Chbosky and stars Jacob Tremblay, Julia Roberts, and Owen Wilson.
Wonder has recently seen some media attention after its original April release was pushed back to November. However, according to CinemaBlend, the decision to stall the movie’s release is even more of a reason to be excited. Apparently, the movie has been doing so well with test screenings that the studio decided to push its release to the fall, a time when family movies tend to perform better at the box office. If these early test audiences are any indication, Wonder might just be one of the rare book to film adaptations that actually turns out to be, well, wonderful.
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- 1 personal loan interest rates wells fargo?
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- 3 Wells Fargo Private Student Loan Review
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Wells Fargo : Rising Interest Rates Bolster Wells -- WSJ
This article is being republished as part of our daily reproduction of WSJ.com articles that also appeared in the U.S. print edition of The Wall Street Journal (July 15, 2017).
Wells Fargo & Co. reaped the benefits of higher interest rates in the second quarter, which helped push profit at the nation's third-largest bank up by 4.5%.
The San Francisco-based bank's shares fell 2% in midday trading, however, as stagnant lending, weaker revenue in areas like mortgage banking and higher costs overshadowed progress on the bottom line.
Shares in Wells Fargo and other big banks had been on a tear since the U.S. presidential election as investors wagered that the Trump administration would take a more cordial approach to regulating Wall Street and fostering growth. But with little change to either the economic outlook and policy toward banks, it is unclear when banks' earnings potential will catch up to their higher valuations.
"Much of [the run-up in stocks] was probably aggressive or not fully warranted," said John Shrewsberry, Wells Fargo's finance chief, in an interview. "The realized outcome doesn't look any different than the realized outcome a year ago. So I think markets have to grapple with what does that actually mean."
Wells Fargo reported a profit of $5.81 billion, or $1.07 a share. That compares with $5.56 billion, or $1.01 a share, in the same period of 2016. Analysts polled by Thomson Reuters had expected earnings of $1.01 a share.
The bank's results included a $186 million tax benefit during the second quarter, most of which was related to a deal it reached in June to sell its commercial insurance business. That boosted Wells Fargo's per-share earnings by 4 cents. Excluding this, the company's earnings would have come in at $1.03.
Net interest income at the bank rose 6.4% to $12.48 billion from the same period last year. The rates Wells Fargo charges customers to borrow on credit cards, home equity lines of credit and other loan types vary along with the Federal Reserve's target, so the central bank's policy moves in recent months have directly improved banks' lending income.
The bank's net interest margin, a measure of how profitably it can lend out its customers' deposits, rose to 2.9% from 2.86% last June, and its return on equity rose to 11.95% from 11.7%. The bank said it exercised discipline in repricing deposits, which helped them capture more of an increase in loan yields.
The overall size of Wells Fargo's loan book stalled at $957 billion. During the quarter, the bank backed off making certain car loans and commercial real estate loans due to higher risk in those segments, executives said on a conference call with analysts.
Wells Fargo's income from fees fell 7% to $9.69 billion, with several of its businesses facing challenges in the quarter. Mortgage-banking fee income fell 19% due in part to tougher competition, and net gains on the bank's trading activities fell 46% due in part to trading losses.
The bank, led by Chief Executive Timothy Sloan, had been one of the most consistent big banks at growing earnings and revenue. Shares have underperformed those of other banks after Wells Fargo last year agreed to a $185 million settlement with two regulators and a city official over opening as many as 2.1 million accounts with fictitious or unauthorized information. It also continues to face a spate of state and federal investigations that the bank has said it is cooperating with.
About $110 million in additional charges related to remedying Wells Fargo's operations following the sales-practice scandal contributed to a 5.2% increase in expenses, which totaled $13.54 billion in the quarter. Expenses as a share of revenue in the second quarter were 61.1%, slightly above the new target of 60% to 61% set at an investor presentation in May. That is also higher than the two-year target the bank set last year of 55% to 59%.
"There's no reason why they can't manage their expenses better," said John Hadwen, a Toronto-based portfolio manager at CI Investments Inc. that owns about $315 million in Wells Fargo stock."The market believes there's a lot more they can do there, and we're becoming impatient."
In May, the bank announced an initiative to cut an additional $2 billion in costs by the end of 2018. Executives on Friday said they are making progress on that plan.
"Operating at this level [of expenses] is just not acceptable," said Mr. Sloan on a conference call with analysts.
Wells Fargo Private Student Loan Review
With competitive interest rates and flexible repayment options for struggling borrowers, a Wells Fargo private student loan could be a good option — especially if you’d prefer to borrow from a large, established bank instead of a smaller online lender.
Before you consider borrowing a private student loan, fill out the Free Application for Federal Student Aid, known as the FAFSA, to see what scholarships, grants, work-study opportunities and federal student loans you’re eligible for. Only turn to private student loans if you reach the federal borrowing limits and still need extra cash to cover college expenses.
- Fixed: 6.17% to 12.99% APR. Variable: 4.10% to 11.24% APR.
- 15-year terms (12-year terms for community college loans); six-month grace periods for student borrowers.
- Deferment and forbearance options for borrowers who go back to school or into the military.
You’ll get a small interest rate discount of 0.25% if you already have another Wells Fargo account, such as a checking account. However, it’s worth comparing other private student loan options to make sure you’re getting the best possible rate.
Wells Fargo lends to undergraduate and graduate students, as well as to parents helping their kids pay for college. If you don’t meet the minimum credit requirements, which Wells Fargo declined to disclose to NerdWallet, you can apply with a co-signer who does in order to qualify. You can release your co-signer after you make on-time payments for the first 24 consecutive months.
- Get your free score every week.
- Set goals and see your progress.
- Signing up won't affect your score.
There are limits to how much you can borrow in Wells Fargo student loans. The limits depend on what type of degree you’re pursuing and the amount of student debt you’ve taken on from other sources, including the federal government. Students in four-year undergraduate programs and some graduate school programs can borrow up to $120,000 in Wells Fargo student loans throughout their lifetime — less if they’ve taken out student loans from another lender. Graduate students in law and business programs can borrow up to $180,000, and medical students can borrow up to $250,000.
Unlike some lenders, which hire third-party companies to process payments, Wells Fargo services its own loans. Between 2010 and 2013, Wells Fargo’s loan servicing practices illegally “increased costs and unfairly penalized certain student loan borrowers,” according to the Consumer Financial Protection Bureau. The lender has cleared up most of the issues the CFPB raised and is in the process of addressing the others, Wells Fargo spokesman Jason Vasquez says.
Generous repayment flexibility for struggling borrowers: Wells Fargo offers several options for borrowers who can’t afford their monthly payments, including its Loan Modification Program. The program gives financially distressed borrowers a lower interest rate — as low as 1 percent — for five years or more, depending on their financial situation, Vasquez says.
If you’re in the program and still can’t afford your monthly payment, Wells Fargo will extend the loan term to lower your payment even more, Vasquez says. The lender will check in with you after five years; if you’re still struggling to make payments, Wells Fargo will let you keep your lower payment for the rest of your loan term. If you can afford to pay more, it will slowly increase your interest rate, by 0.25% a year, until you’re back to your original interest rate.
Customer support: Unlike some private lenders, Wells Fargo services its own loans, and student loan customers get a dedicated customer service specialist they can call when they have questions. So even if you call five different times in a month, you’ll always talk to the same person, Vasquez says.
No term length or repayment plan options: Although it offers generous options for struggling borrowers, Wells Fargo doesn’t initially offer the flexibility that many other lenders do, such as the ability to choose among various term lengths and in-school repayment schedules. Some lenders give lower interest rates to borrowers who choose a shorter term length or opt to start making payments while they’re in school instead of waiting until their grace period ends.
Of course, you can always choose to save money by making payments on your Wells Fargo loan before your grace period ends, or repay your loan in fewer than 15 years — you just won’t get a lower interest rate for doing so.
History of illegal student loan servicing practices: In August 2016, the Consumer Financial Protection Bureau found that between 2010 and 2013, Wells Fargo violated consumer laws by charging some borrowers illegal student loan late fees, processing loan payments “in a way that maximized fees” and neglecting to update information it incorrectly reported to credit bureaus.
The CFPB’s findings are “related to legacy payment procedures that were retired or improved many years ago,” Vasquez says. The issues impacted a “small number” of borrowers, and Wells Fargo is “in the process” of refunding $410,000 in illegal fees to those borrowers affected, he adds.
Fewer borrower protections than federal loans: While Wells Fargo offers more generous repayment options for struggling borrowers than some other private lenders, private loans are generally still not as favorable as having a federal student loan. With federal loans, you can switch to an income-driven repayment plan to lower your monthly payment; qualify for loan forgiveness after making payments for a certain period; or, if they’re subsidized loans, you can defer your loans without accruing interest.
It’s generally a good idea to compare multiple private student loan options before choosing one. If you’re ready to borrow from Wells Fargo, you can apply directly on its website.
Teddy Nykiel is a staff writer at NerdWallet, a personal finance website.


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JFK’s assassination, The Salem Witch Trials, the last Crusade... Do you know in which order these events unfolded in history? If not, now’s your chance in -Timeline Events. Each card has a different event on it, and on the opposite side of the card is the date in history that it occurred. Players start with one randomly drawn card in the middle of the table to form the timeline, and on your turn, you place a card before or after it – depending on when you think this event took place. Leave the card in place if you are correct or discard it and draw a new one if you’re wrong. The rst player to get rid of all their cards wins!
- Easy to learn but engaging gameplay make it perfect for players of all ages
- Innovative gameplay makes learning about a specific topic in the past easy, enjoyably competitive, and highly replayable
- Perfectly compatible with other Timeline titles for intriguing and challenging combinations
- Brand new packaging that makes the game incredibly accessible and portable

domain: game


text: Circumferential seromuscular stripping of the sigmoid colon with denudation of the mucosal tube over a length of 4 to 10 cm has been observed in four patients after blunt abdominal trauma. Three of the patients had been driving a motor car, with two of them wearing safety belts. One patient was injured when he was caught between steel bars at work. In two cases the sigmoid lesion was associated with a tear in the mesoileum, leading to ischemic bowel necrosis in one. In one patient the lesion was found 5 days after the accident when he presented the symptoms of diffuse peritonitis caused by secondary perforation of the denuded mucosal tube. Treatment consisted in resection, anastomosis and proximal colostomy in two, and resection with end colostomy and distal mucous fistula in the remaining two cases.--As long as perforation of the denuded mucosa has not occurred, symptoms may be minimal. Liberal use of peritoneal lavage in polytraumatized patients is therefore important in order to minimize the likelihood of overlooking this type of bowel lesion.


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We offer multi utility coconut desiccated powder to our clients that find an extensive application in drinks, dairy products, cakes, infant foods, chocolates and other food items and medicines. These consists of 90% vitamins and are rich in physiological active ingredients making it a must to have product for the related.
Iberis & Co
68, Trans Yamuna Colony, Uttar Pradesh - 282006, India
Bankey Bihari Traders
31 Inder Enclave Balkeshwar Road Agra 4, Uttar Pradesh - 282004, India
Deals in Coconut Water Powder, Protein Hydrolysate, Herbal Juice, Protein Hydrolysate, Herbal Juice, Herbal Juice, Coconut Water Powder, Protein Hydrolysate, Coconut Water Powder
, Uttar Pradesh , India

domain: food


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ORIGINAL RECIPE: “Redeye Ham with Coca-Cola Redeye Gravy” from Mastering the Art of Southern Cooking by Nathalie Dupree*
TIMING: 15 minutes, at most
DIFFICULTY: Basically easy, just don’t wander
TOOLS: A skillet of some sort, maybe some cast iron
COOK TYPE: Stovetop. frying and simmering
HEALTH: It’s ham and it’s coke. Even if you buy a nitrate-free, conscientious ham and some natural, caffeine-free coke–like I did–it’s not going to count as health food. But paired with a table of healthy grains (corn bread, wheat toast) and lots of veggies (sliced tomatoes, mashed sweet potatoes, steamed greens), you’re going to be just fine. We like to serve it as a breakfast item, ideally with eggs and toast or eggs and biscuits and some sort of breakfasty veggie.
EXPERIENCE: I think I originally tried this recipe because I have always been curious about redeye gravy, and being a Southern import, had never tried it. I was surprised when my southern cooking book, however, contained only a recipe for a coke variation on redeye gravy, and not the original coffee version (although I think we can safely extrapolate).
Then again, my husband is a Coca-Cola fanatic so I thought at least he would enjoy it.
We all loved it. And it couldn’t be a simpler way to make a quick dinner seem special.
- Take a 1 pound ham, and slice into medium slices.
- Heat a skillet over medium-high heat. (Melt a couple tablespoons butter into the pan if your ham is too lean.) Cover the bottom of the pan with your ham slices and cook on one side until browning. Turn over and brown again. Remove to a platter and continue with slices until all are cooked.
- Pour a can of Coca-Cola into the hot skillet. Bring to a simmer and keep simmering until coke is slightly reduced, maybe even a bit syrupy.
- Drizzle the “gravy” over the ham and serve.
Serve with breakfast items, like fried eggs, sliced tomatoes, sweet potato hash, and biscuits.
*Recipe changed from the original.


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Every single day, tourists find themselves staring at the the middle of the Tiber River, where they see this. Determined to figure out what it is, they immediately set out across one of the bridges to check it out … and they end up confused and disappointed, because on the surface it doesn’t seem to be much of anything.
What a shame that they’re not touring Rome with a good guide! These visitors who opt to see the city on their own are missing out on the fascinating, very ancient history of this special part of Rome.In ancient times, Tiber Island was the site of a major temple of Asclepius, the Greek god of medicine. Roman historical accounts tell us that during a plague, the Romans wanted to erect a shrine to this god, so they sent a delegation to Greece to obtain one of the “sacred snakes” kept in his temple there. The snake sailed back to Rome with them, but then slithered off the ship and disappeared.
After a frantic search, the snake was found coiled up on Tiber Island–and the Romans interpreted this as a sign that Asclepius wanted them to construct a temple to him on that very spot. So they did, and during ancient times it was a major place of pagan pilgrimage for people suffering from illnesses and other medical problems.
The appearance of Tiber Island back then was quite dramatic, because the Roman architects who managed to construct a huge marble temple on this not-so-solid ground had a clever idea: they combined the need for a solid foundation, with the natural boat-shape of the island, and the result was what appeared to be a gigantic marble ship! Reconstructions of ancient eyewitness accounts look like this:
The temple and its ship-foundations are gone now, of course, although there are still a few blocks of the original marble in the bottom of the buildings that currently stand in their place.
With the advent of Christianity, the worship of Asclepius naturally fell out of fashion; but in the minds of Romans the connection between “Tiber Island” and “medical assistance” endured. In the 1500’s, St. John of God founded a religious order of brothers, dedicated to medical assistance to the poor–and he established his first hospital right here on Tiber Island. Known as the Brothers Hospitallers, these men treated the sick of the Christian world, in the very same place where the pagans came for medical help in the pre-Christian era.
A Catholic church replaced the temple (no surprise there), and so the original purpose of Tiber Island was “baptized,” so to speak. Today, there is still a hospital on the island, and in fact its buildings take up the vast majority of the space there.
Now Tiber Island makes a lot more sense, doesn’t it? There is a wonderful historical continuity here, which you would never be able to figure out on your own. But if you tour Rome with us, we’ll fill you in on intriguing sites like this one, enabling you to appreciate fully the rich history of this ancient city.

domain: history


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300 Prequel Gets A New Title With 300: Rise Of An Empire
The long-awaited prequel to the 2007 Blockbuster hit 300 is the latest Warner Bros. feature to get a facelift from the studio. According to The Playlist, this facelift has served the purpose of changing the more original working title for the film, 300: Battle of Artemisia, to the less enthusiastic and far more generic official title of 300: Rise Of An Empire.
It seems that the studio has decided to go with the formulaic, bland sounding title to appeal to a wider audience. Even though this is a disappointing update, it should come as no surprise given that it always seems to be about the bottom line in big business.
That being said, just off the top of my head I can come up with a list of films with names that seem eerily similar to the new title, not all of which I imagine the studio would want their film likened to. There’s Rise of the Planet of The Apes (2011), G.I. Joe: The Rise of Cobra (2009), Terminator 3: Rise of the Machines (2003), Underworld: Rise of the Lycans (2009), Fantastic Four: Rise of the Silver Surfer (2007), and the upcoming Rise of the Guardians (2012).
This film, like the original 300, is based on a graphic novel by Frank Miller and stars Rodrigo Santoro as Xerxes, the Persian king, and Sullivan Stapleton as the Athenian general Themistocles.
Generic title or not, when 300: Rise Of An Empire hits theaters on August 2, 2013, I’ll still be there. Will you?

domain: entertainment


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5 October 2011 | ebiros2
One of the most powerful of Ultra Brothers
After Ultraman Jack returned to his home world, earth is under attack again this time by an enemy from another dimension called Yapoor. Fifth in line of Ultra Brothers - Ultraman Ace is sent to earth to battle the super monsters created by Yapoor.
Earth is under attack again, this time by a chojyu (Literally - Super Beast) Velcron that was created by inter dimensional beings called Yapoor. Seiji Hokuto (Keiji Takamine), and Yuko Minami (Mitsuko Hoshi) lost their lives trying to protect earth. Ultraman Ace who was sent to replace Ultraman Jack witnessed this, and gave his life force to revive the two. Now when Yuko, and Seiji performs the Ultra Touch, they transform into Ultraman Ace.
This was the first time two earthlings were involved in transforming into one of the Ultraman Brothers. Ultraman Ace seems to have most amount of weapons even for the very well equipped members of Ultra Brothers. He defeats the menace of chojyu with dazzling array of beam weapons. One of the monumental blunder the producers made was to get rid of Yuko Minami's character in episode 28. The dynamics of the story that was interesting between Yuko and Seiji was lost, and one of the key focal point that made the stories interesting was also lost. After the departure of Yuko, Seiji was able to transform into Ultraman Ace by himself. We see more of other Ultra Brothers making guest appearance in this series. From this point on, one or more Ultra Brothers making guest appearances in their sibling's show became common place.
Ultraman Ace appears in ten other Ultraman series/movies, and his character is still active today. His most recent appearance is in "Ultraman Saga" (2012). In "Daikessen Urutora Hachi Kyoudai" (2008), Yuko, and Seiji is seen married with a daughter. In this movie, only Seiji transforms into Ultraman Ace.
This series had more modern appearance, and everything seemed brighter than the previous Ultraman series. Ultraman Ace was more athletic than his older siblings, as he freely jumped and tumbled through air that gave the impression of his power. The no nonsense way Ultraman Ace does his business makes him one of my favorite Ultra heros.
Excellent adventure sci-fi from Tsuburaya Production, with story still continuing to this day.


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29 October 2010 #Employment
A survey recently carried out by the CIPD and Simplyhealth (a health care provider) revealed that in the last 12 months stress was the main cause of long-term sickness absence in the businesses surveyed.
Stress-related absence was seen and reported by more public sector employers over the last year than their private sector counterparts, with public sector workers taking an average of 3 days more sick leave.
Dr Jill Miller, advisor to CIPD warned that ‘employers need to watch out presenteeism`. This is when employees turn up for work when they are ill owing to a number of factors such as not wanting to let their team down, pressure to perform well in times of organisational change and wishing to avoid sickness absence in the an attempt to protect themselves from job cuts.
However, organisational change is just one of a number of possible causes of stress related sickness absence. Employers will need to be aware of other underlying problems such as issues at home affecting employees or bullying at work. Policies and procedures need to be put into place to monitor stress and anxiety for all staff, including managers.


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You may know us for our books on autism, but in honor of Women’s History Month, we thought we would highlight one of the novels published by City Bear Press: How Women Will Change the World: The Journey Continues by Andy McCabe.
The novel follows the story of Katerina, who served as scribe to Sapho on the Greek Island of Lesbos 600 years before the birth of Christ. Following a period of 2,000 years, Katerina is reincarnated in Santa Fe, New Mexico as Kathleen O’Malley. O’Malley then becomes an initiate of the Gifted One. While on a remote desert ranch in New Mexico, she prepares to lead a group of uniquely talented women on a campaign to bring about long-needed change. This effort brings her to a Greece that bears little resemblance to the land she knew in her previous life.
The novel finds its in inspiration in the life of Sappho, a poetess who was born circa 615 B.C. and really did live on the island of Lesbos. She came from an aristocratic Greek family, got married and had a daughter. Sappho is remembered by most as a poet, but as Poets.org reminds us, “She spent most of her adult life in the city of Mytilene on Lesbos where she ran an academy for unmarried young women. Sappho’s school devoted itself to the cult of Aphrodite and Eros, and Sappho earned great prominence as a dedicated teacher and poet.”
In antiquity, Sappho was revered for her verses. “Plato called her ‘the tenth Muse’and her likeness appeared on coins,” Poets.org says. Sadly, only fragments of her work have survived.
Dr. McCabe, received his Psy.D. in 1999 from the Graduate School of Applied and Professional Psychology at Rutgers University, is also the editor of Autism Essentials and serves as the president of City Bear Press. McCabe has presented programs on stress management to educators, corporate leaders, police officers, and medical professionals as well as to members of the U.S. Navy.
How Women Will Change the World is the second book in the Gifted One trilogy, which began with The Gifted One: The Journey Begins.
If you have questions or would like more information about either fiction from City Bear Press or our books on autism, please contact us.

domain: library


Purely out of interest I have made a plot of the ground track of the orbits in which the last two Galileo Satellites ended up in. The results is shown in the figure below.
What I find a bit scary is that with the Perigee of these orbits at merely 20000 km these three objects, the two Galileo satellites and the Fregat, are actually moving through the orbital planes of the GPS and GLONASS constellations. This means to sooner or later they will be on a "collision" course with one of those satellites. Fortunately the satellites seems to be in good order so they can be steered but not sure about the Fregat. So GPS and GLONASS may have to do collision avoidance manoeuvres because of this mishap.
But not all is bad. GNSS scientist have actually concluded a couple of times that different orbits for the different GNSS satellites would be advantegeous for their high accuracy investigations. So at least some of the GNSS scientist might be happy with this situation!


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The date was set, the plane tickets purchased and a Syrian family of eight made their way to Haida Gwaii. The family was expected to arrive in Sandspit on Aug. 23 after travelling for two full days across the world to their new home.
Although the family had not arrived as of press time, the sponsorship group, Operation Refugees Haida Gwaii, said they are thrilled to finally meet the sponsored families after months of fundraising and planning.
Plans called for Sandspit’s sponsored couple to be met by a small welcoming party at the airport, including an interpreter who will help them speak with the sponsorship group.
The family, they expected, will be tired and overwhelmed from their long journey, so when they arrive, the sponsors had asked for a quiet welcome at the Sandspit airport, and to give the family time to settle in the community before they get overwhelmed by the community love that comes with living on Haida Gwaii.
Knowing that Haida Gwaiians are excited for the families’ arrival, organiser Beng Favreau said in an email that a large welcoming party will not happen until later.
“Now that both families are here, we will organize a community welcome,” said Favreau.
The hard work of the sponsorship group and the generosity of the community has made sure the family will move into a fully-furnished home and have plenty of donated clothes available.
The family includes five daughters and one son. Hassan and Lama are the proud parents of: Aya, 9; Shahid, 8; Alaa, 6; Douaa, 4; Hussain, 3; and Rawan, who recently turned one year old.
Aya, Shahid and Alaa, who have never had a chance to go to school, will now be entering school in September.
“We knew when we first applied to sponsor the family that the fourth daughter was injured by shrapnel,” said Favreau.
Injured during the Syrian civil war, Douaa now uses prosthetic legs, which was a concern for the sponsors because they originally found a two-storey home for the family.
‘We have now learned from the Matching Centre of Canadian Immigration Centre that the second daughter was also injured by shrapnel,” said Favreau, adding that the young girl had multiple surgeries on her knee and needs orthopedic follow-up.
“We still need to help the family fundraise, especially for the medical needs,” she said.
The sponsorship group is organizing a raffle to assist the family with the medical costs.
Raffle tickets are $5 for three changes to win, and are available at AMS, June Bug, or by asking The Friends of Operation Refugees Haida Gwaii.

domain: sociology


- Blanc Noir Size Guide
- You own the night in this Blanc Noir® Knight Parka!
- This parka flaunts a cool miliatry-inspired look.
- Attached hood with faux fur trim.
- Long sleeves with extended cuffs and thumbhole accents to keep hands warm.
- Storm flap feature at back.
- Cinched elastic really defines waist.
- Dual-direction front zip detail with snap-front closure.
- Snap-button pockets with additional interior pockets that offer plenty of storage options.
- Powder skirt with adjustable snap-button closure at front.
- Longer hemline with interior drawcord with a locking clasp.
- 100% polyester.
65% polyester, 35% viscose.
Other: 80% nylon, 20% spandex.
Lining: 95% polyester, 5% spandex.
Lining 2: 100% nylon.
- Machine wash, hang dry.
- Product measurements were taken using size SM. Please note that measurements may vary by size.
Blanc Noir Knight Parka Women Down Coats Discount 9015361 Z5O2fscR


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On September 16, 2019, the United States Internal Revenue Service announced the mailing of a time-limited settlement offer for certain taxpayers under audit who participated in abusive micro-captive insurance transactions.
On August 22, 2019, a notice was published which announces the intention of the United States Treasury Department and the Internal Revenue Service to issue new regulations providing relief to domestic partnerships and S corporations attempting to compl…
On August 19, 2019, the Office of the United States Trade Representative held an off-camera public hearing on France’s recently introduced digital services tax, attended by three major technology firms.
The OECD on August 13, 2019, released follow-up reports for
Belgium, Canada, the Netherlands, Switzerland, the United Kingdom, and the United States on their efforts to implement BEPS recommendations on dispute resolution.
On August 16, 2019, the United States Court of Appeals for the Ninth Circuit issued a decision in favor of Amazon, in a case involving the regulatory definition of intangible assets and the method of their valuation in a cost-sharing arrangement.


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Marriage offers a legal path to permanent residency for foreign nationals. Among other requirements, the sponsoring spouse must be able to financially support their spouse. The minimum annual income required to sponsor a spouse for a marriage green card is 125% of the federal poverty guideline levels.
This ensures that the sponsoring spouse is financially stable enough to support their spouse. The actual dollar amount will depend on household size and location. The lowest acceptable income is $21,775, but family size and location may require a higher income to sponsor a relative for a green card.
What Are the Benefits of a Marriage Green Card?
A permanent resident card, also known as a green card, will allow a foreign national to live and work in the United States. A U.S. citizen or permanent resident may sponsor a spouse for a green card through marriage. Green card holders may sponsor other relatives for a green card and apply for U.S. citizenship.
Eligibility Requirements to Be a Financial Sponsor
To sponsor someone for a green card through marriage, the sponsor must meet eligibility requirements. To sponsor your spouse for a green card, you must be:
- At least 18 years old
- A U.S. citizen or green card holder
- Able to financially support your spouse
- A U.S. resident
Complications may arise if a U.S. citizen is living abroad when they meet and marry someone from another country. If you are traveling but primarily live in the United States, you may still serve as a sponsor.
What Is the Minimum Income to Sponsor an Immigrant?
U.S. Citizenship and Immigration Services (USCIS) will likely deny a green card to someone who may become a public responsibility if allowed to live in the U.S. The minimum income required to sponsor a spouse for a green card is 125% of the Federal Poverty Guidelines.
For a household of two people living in the continental United States, the income requirement is $21,775. Residents of Hawaii must make at least $25,050. Alaska residents must make at least $27,212. This number increases with the number of people living in your household.
The minimum annual income requirement for active military service members is 100% of the Federal Poverty Guidelines. This is only $17,420 for two people living in the continental United States. Residents of Hawaii must earn at least $20,040. Alaska residents must earn at least $21,770.
Can You Include Income From Relatives?
If an individual sponsor does not meet the minimum income requirement, you may include income from other relatives. This may include:
Your relatives will need to submit Form I-864A, Contract Between Sponsor and Household Member. This verifies their agreement and commitment to make their income available to help sponsor your spouse.
Can You Include Income From the Spouse Seeking the Green Card?
If your spouse is working, you may include their income in your household total to meet the requirement. If your spouse does not live in the U.S. yet, you may still count their income towards your total so long as they intend to continue working for the same employer after becoming a green card holder.
How Hard Is It to Get a Green Card Through Marriage?
To deter fraudulent green card applications, USCIS will closely review each green card petition for validity and eligibility. You will need to demonstrate that your marriage is bona fide or real using a variety of evidence. The process takes less than one year on average and costs about $1,760 in government filing fees. It’s a complicated process but you may get help from an immigration filing service, an attorney, and a translator to simplify matters.
How Long Do I Have to Be Married to Get a Green Card?
You may apply for a green card immediately after getting married, however your case may be under more scrutiny than an older marriage. A successful application will award your spouse a conditional marriage green card. Your spouse can apply to have conditions removed two years after the issuance of the conditional green card.
Can Your Spouse Work While Waiting for a Marriage Green Card?
Green card applications may take months or more to process. In the meanwhile your spouse may work in the U.S. if you apply for work authorization. Form I-765 will allow you to request a work visa while your green card application is processing.


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The Woodlands Center at Proctor Academy is an innovative educational facility designed to bridge the connection between Proctor students and the Proctor Woodlands. This remarkable center, crafted by Steeplechase Custom Homes, showcases a distinctive barn-style building that harmoniously blends with its natural surroundings. Notably, the construction materials utilized in this project were sourced from timbers harvested on Proctor’s own land, exemplifying a commitment to sustainability and local resources.
Within the Woodlands Center, students have access to a range of exceptional spaces and amenities. A wet and dry lab classroom area provides a dynamic learning environment where students can engage in hands-on scientific exploration. Additionally, a central nave serves as a gathering space for group activities and discussions, featuring a captivating wood-burning fireplace from RSF expertly installed by Green Mountain Fireplace Specialties. This cozy and inviting atmosphere encourages collaboration and fosters a sense of community among Proctor students.
Furthermore, the Woodlands Center boasts a greenhouse provided by Ceres Greenhouse Solutions, specifically designed to support Proctor’s new botany class. This greenhouse offers a nurturing environment for students to study and cultivate various plant species, enabling them to deepen their understanding of botany and environmental science.
The Woodlands Center stands as a testament to Proctor Academy’s commitment to holistic education and sustainable practices. By utilizing locally sourced materials and incorporating environmentally friendly features, this facility seamlessly integrates with its natural surroundings while providing a cutting-edge educational experience for students.
In summary, the Woodlands Center at Proctor Academy is a thoughtfully designed educational hub that connects students to the Proctor Woodlands. Crafted in a captivating barn-style by Steeplechase Custom Homes, the center showcases the use of timbers harvested from Proctor’s own land, embodying a commitment to sustainability. With state-of-the-art facilities including wet and dry lab classrooms, a central gathering space with a wood-burning fireplace, and a greenhouse for botany studies, the Woodlands Center provides an inspiring and engaging educational environment. Proctor Academy’s dedication to holistic learning and environmental stewardship is exemplified in this remarkable educational facility.

domain: design