text:
Dog Training Treats can be used to teach your dog the proper behavior. It is an important part of training, but often overlooked by dog owners. Your dog is going to learn faster this way, and you will be happier with them because they will be learning things in a positive manner.
Traits Of A Good Teacher
A good dog trainer is going to teach his or her dog basic commands. The dog needs to be taught what not to do. The commands are a way to keep your dog from being aggressive towards you, other people, and other animals. If you are going to use a dog training treat to train your dog, you need to know the commands first.
One of the most common commands is “come” which is a great way to get your dog to come to you when you call him. Another one of the best commands is “stay”, which is used to get your dog to stay on a designated area. This can save your dog a lot of trouble in the long run.
When your dog does something wrong, and you want to correct them, you can use “down”stay?” This is another way to get your dog to obey, so it will be more likely that they will when you ask them to.
If you are going to use a dog training treat to train your dog, make sure that you choose treats that the dog enjoys. It is also important that you keep a supply of these treats around so that you can change the treats as your dog grows and learns new tricks.
Teach Dogs To Consider Treats As Rewards
The last part of using dog training treats to teach your dog is to use it as a reward. By using the treats in the right way, your dog will learn that doing their job right will earn a reward. If you are teaching your dog how to do something like fetch, then a treat may earn them a ball of treats.
When choosing the treat, make sure that it is something that they enjoy. They can also be given in different ways so that they have something to chew on, so that they can have something else to chew on besides the bones that they are chewing.
In order to make it even easier, make sure that you have a supply of the dog training treat on hand. When you see your dog does something wrong, you will be able to get them to stop without having to give them a treat. a treat or anything else. This way, you will be able to teach them how to learn the proper behavior much quicker.
Find A Place To Teach Them
Now that your dog has learned the dog training treat, you will need to find a place to teach him. Most people like to teach their dog to come to you when they call him. You may need to teach your dog to sit, come to you when called, stay, and stand. all in one day.
When you teach your dog this way, you should never try to force him to understand what he is learning. He will soon grow weary and not want to do what you want him to do anymore.
The most important thing that you should remember when using the dog training treat is that your goal is for your dog to become your best friend. and companion.
It is always a good idea to be patient with your dog. If they seem like they are not interested in what you have to say, then walk away and let them.


Bonds, markets, hearings and publications.
And that was just a portion of what the Wapello County Board of Supervisors discussed during Tuesday’s meeting.
Supervisors Steve Siegel, Jerry Parker and Greg Kenning wanted to know more about their bond sale and timeline.
The supervisors contacted Tim Oswald of Piper Jaffray and asked him to attend this week’s meeting.
“The market has changed,” Oswald said, adding that next week’s sale should help the bonding process that covers Wapello County projects such as the improvements to Chillicothe Road and the communications tower for Wapello County’s two-way radio traffic.
Then, two weeks after that, there will be a hearing and a publication announcing what the supervisors plan to do.
Oswald said the bond sale will be March 4, and he believes the paperwork should be done by March 28.
After the meeting, Parker spoke of projects that are being worked on. He said the county has been able to resurface three roads because of funding and bonding that has been available.
The county has completed Rock Bluff Road improvements from the asphalt into Chillicothe. Parker said the road was a project for I-JOBS money in conjunction with the Chillicothe bridge.
“Now the bridge is complete, and we have to do the other part, which is Rock Bluff Road,” he said. “The bond issue will pay for paving that road into Chillicothe. And it’ll pay for three other roads that are hard-surfaced.”
He also noted the roads are farm-to-market roads and the state of Iowa gave them that designation. Years ago, the state did so because the designation meant it was a particular route farmers took to where their market was for selling the grain.
“The bond market is good right now. We will pay less in interest on the bonds than we pay for increased deterioration of the roads over the next three years,” Parker said.
About five years or so ago, the county passed a bond issue to do old Highway 34, which is now 87th Street. Now the county has another issue and can put the two together.
“Doing two at a time reduces bond costs,” Parker said. “Projected interest is so low and if we had waited, we would have to bond for more and these days the roads rot faster.”
Tuesday’s meeting starts the process, which will be completed in March. Even though the supervisors plan to do the bonding and the project, they still must hold a public hearing in February to see if the public objects or not.
Sale should help process that covers county projects
Bonds, markets, hearings and publications.
- Local News
- A sweet history lesson OTTUMWA — In one of the most popular monthly presentations the Wapello County Historical Society has ever hosted, it was standing-room only to hear the history of Graham Milk and Ice Cream Company and try some of the popular product. A landmark in Ot
- Ready, set, shop! OTTUMWA — Iowa's government says businesses must participate in the Tax-Free Weekend this Friday and Saturday. Store manager Greg Martin isn't complaining. "It’ll be much busier [than typical weekends]. Back to school is the second busiest season nex
- Supporting the health care future of the community OTTUMWA — For several area college students, Thursday afternoon was a chance to put names and faces with the thousands of scholarship dollars they have just received. The Ottumwa Regional Legacy Foundation hosted a reception to honor the 25 college s
- Ottumwa's DMV station ready to move OTTUMWA — If you believe you'll need to visit the driver's license station next month, you may want to write this down: 2849 N. Court St., Suite B. That'll be the new address for the Iowa DMV's office, which is currently located across from the Fairf
- Five things to do in southeast Iowa OTTUMWA — Celebrate summer in a variety of ways and in several communities this weekend. Many towns are holding festivals, shows and events all centered around the summer theme, so head out while it's warm. 1. "Summer Shorts" is the Davis County Play
- Flying free OTTUMWA — The financial obstacle may have been removed if your career goal starts with learning to fly. "We have it set up for three terms, about nine months," said pilot and chief flight instructor Darren Graham at Indian Hills Community College. "
- Supervisors discuss pipeline potential KEOSAUQUA — Van Buren County Supervisors received preliminary, general information on a new pipeline being proposed to carry oil from North Dakota through Iowa, including Van Buren County, then crossing into Illinois. The proposed Bakken Pipeline wou
- Fairfield stabbing suspects' trials separated FAIRFIELD — The three people accused of dragging a man into a Fairfield apartment before robbing and stabbing him have had a judge grant their requests to separate their trials. Dawn Dunn, Dustin Roll and Brett Hedblade are each charged with willful
- Local business donates grain rescue tube KEOSAUQUA — Stockport Elevator, owned by Roquette America, donated a grain rescue tube to Birmingham and Stockport Fire Departments. A training session was conducted Monday, led by Dale Ekdahl, a representative of Outstate Data, LLC, the device’s man
- Where do my taxes go? OTTUMWA — Wapello County Board certified its tax levy. But what does that mean? Based on budgets submitted by various levying authors, the Wapello County Auditor prepares and certifies the levy rates for the county. Budgets for each levy are based on
- More Local News Headlines


text:
If your fish comes out tough and dry, let me assure you that it's not your fault. It's all those recipes that tell you to cook fish until it flakes and is opaque. First of all, some fish don't flake. Have you ever seen a flaking swordfish? And if the fish is opaque all the way through when you check it, then I have bad news for you, my friends -- it's overcooked. Here is how it's really done.
YouTube link: Testing Fish for Doneness
17 down / 33 more to go

domain: food


Cold Steel SRK Kraton Handle, Black Blade (Concealex Sheath)
- Enter your model number to make sure this fits.
- Rescue knife with AUS 8A stainless-steel blade
- Non-stick coat helps protect blade from the elements
- Strong clip point excels at detail work and tough jobs
- Single quillon finger guard; deeply checkered Kraton grip
- Blade measures 6 inches long; weighs 8.2 ounces
There is a newer model of this item:
Customers who viewed this item also viewed
Customers also shopped for
Customers who bought this item also bought
Have a question?
Find answers in product info, Q&As, reviews
Please make sure that you are posting in the form of a question.
The blade is finished with a coat which helps to protect the AUS 8A Stainless steel from the elements. It features a tremendously strong clip point that’s fine enough for delicate work, yet possesses enough belly for efficient cutting, slashing and skinning strokes as well. At 3/16 of an inch thick, the Survival Rescue Knife offers the sturdiest possible point and edge configuration, without sacrificing sharpness. The SRK’s handle sports a single quillion finger guard and a deeply checkered Kraton grip.
Survival/rescue operations demand a versatile knife able to withstand the most extreme abuse. Enter the Cold Steel Survival Rescue Knife (SRK), which was designed with tough conditions in mind. The blade is made of AUS 8A stainless steel, with a rich coat to help protect it from the elements. The blade's tremendously strong clip point, meanwhile, is fine enough for delicate work, yet possesses enough belly for efficient cutting, slashing, and skinning strokes. The knife also offers the sturdiest possible point and edge configuration at 3/16 of an inch thick, yet doesn't sacrifice sharpness. And users will love the SRK's handle, which sports a single quillon finger guard and a deeply checkered Kraton grip.
- Blade: AUS 8A stainless steel
- Sheath: Secure-Ex
- Blade length: 6 inches
- Handle length: 4-3/4 inches
- Overall length: 10-3/4 inches
- Thickness: 3/16 inches
- Weight: 8.2 ounces
Would you like to tell us about a lower price?
Top customer reviews
There was a problem filtering reviews right now. Please try again later.
My intention for this knife was for it to serve as a light to medium duty tool. I have a backcountry system. I use a saw to cross-cut logs, then an axe to split them, then a knife to make kindling, carve with, make tent stakes, or any other random task one does around camp.
With high hopes I took the cold steel SRK out with me on a backcountry adventure. I fell a dead standing tree with my saw, cross cut it into workable lengths with the saw, split those logs with my axe into fourths, then with the SRK I proceded to further process the wood into smaller kindling size pieces with a baton for my fire. Essentially I took wrist size pieces of dead pine and made pencil sized pieces of kindling.
After about fifteen or twenty minutes (using my brand new, never used SRK) I noticed that the blade became loose in the handle (noticeably)! It was troubling to me because I have many camp knives that have seen 1000 times more/harder use and are perfectly solid in their construction. But seeing as how my faith in this knife had caused me to bring only this knife with me I had to continue to use it; for there was no other choice.
After further menial tasks like making tent stakes for a rain fly, a feather stick to start a fire with my firesteel, and cutting some chord to size to use as lashing for a primitie shelter, I was understandably hungry and stuck the knife into a log I had cut near my chair by the fire. Sitting there, I ate, I listened to the rain above me hit the rain fly and thought about what needed to be done to finish my shelter. When the rain abated I rose up from my chair and pulled the SRK out of the log I had stuck it into next to my chair. I took a few steps before I noticed that the tip of the knife had broken off into the log. I did not twist the knife in the wood, I did not ply it, I simply stuck it into the log to keep while I ate. Moreover, It was the first time the knife's tip had ever been stuck into anything!
When you consider that the knife became loose in the handle after fifteen or twenty minutes of light use making kindling, and that the tip broke off simply after being stuck into some soft pine wood, I have no choice but to come to the conclusion that either I recieved the biggest lemon that cold steel has ever made, or this line of knife sucks! Either way it doesn't bode well for the knife or for cold steel. If their quality controls are so poor that a knife of this level of incompetance leaves their factory to be recieved by a customer who has paid a good amount of money for then they have a problem in their manufacturing process. Or if this knife is not a lemon and it simply is the way that the knife is supposed to be then they have a problem with their manufacturing process.
I will be promtly sending this knife back to cold steel for a replacement hoping that it is a lemon issue. However, if the second one that I recieve back performs in any way less than perfect I will be doing two things: first, I will rethink the trust I have in the cold steel brand, and second, I will look at my existing cold steel knives through more cautionary lenses. By that I meen I will not be going out into the backcountry with only my cold steel knife anymore and will bring a second as backup.
Lastly, the fact that I have to reconsider the quality of the brand and consider bringing a second/ backup knife along with me out into the field is unacceptable. A camp/survival knife should be something dependable. It should be something that when you use it you feel as though you can depend on it to do what you ask of it to do. And for the reputation that cold steel has worked for, and for the price that you pay them for their products, you should feel as though you could trust their knives with your life, and you should be able to; for one day you may be asking the knife to do just that! My rant is done.


text:
Periodical: Fogarty, John E. "Departments of Labor, and Health, Education, and Welfare, and Related Agencies Appropriation Bill, 1963."
Congressional Record, (27 March 1962): 4728-4757. Excerpt. Legislative Record. 30 Images.
U.S. Government Printing Office
This item is in the public domain. It may be used without permission.

domain: library


text:
Fogo De Chao Restaurant Week Boston. 48 rows top restaurant prices is not associated with fogo de chao fogo de chao is a. A branch of brazilian chain fogo de chão is now open in back bay.
Also, rw is actually a two week period. As of april 2015, fogo de chao is a publicly traded company listed on nasdaq under the ticker symbol fogo.
Excited To Be Trying This Place Tonight Fogo De Chao
Brazilian side dishes served throughout the meal. Bring the fogo experience to you.
Fogo De Chao Restaurant Week Boston
Fogo de chao 1824 abriter, naperville, il 60563Fogo de chao boston • fogo de chao boston boston • fogo de chão boston •.Fogo de chao is a leading brazilian steakhouse, or churrascaria, which has.Fogo de chao participates in restaurant week for $38, offering their market table & feijoada bar, continuous tableside service of.
Fogo de chao takes brazilian steakhouse to the next level.Fogo de chão 200 dartmouth street, boston, ma 02116.Fogo de chão brazilian steak house.Fogo de chão brazilian steakhouse is a restaurant located in boston, massachusetts at 200 dartmouth street.
Fogo de chão restaurant review:Fogo de chão, located in the heart of back bay just steps from copley square, is boston’s authentic southern brazilian steakhouse.Food » latin american restaurant » south american.I went to the location in boston this week, and this location, filled with men and women in business attire, is the perfect spot for your next lunch break, work party, client meeting, or date night.
In 1997, the first fogo de chao restaurant opened in dallas, texas.Includes market table & feijoada bar and brazilian side dishes.It is a churrascaria, brazil’s answer to the steakhouse, specializing in unlimited amounts of meat roasted on skewers and.It is actually fogo de chao.
It is the lessons our founding brothers learned on their family farms that gave them the ambition to share their rich culinary heritage with the rest of.Normaalgesproken kun je inderdaad bij dit restaurant reserveren door de datum, tijd en groepsgrootte op opentable te kiezen.Normally lunch is $29.50 but during restaurant week it’s $20 per person.Our story began in the mountainous countryside of rio grande do sul in southern brazil.
Restaurant week or dine out boston.whatever name it goes by, we’ve got the goods on the insider’s guide.The boston fogo is located in the historic copley square, across the street from the boston public library and literally steps from trinity church and the hancock building.The location is ideal for locals and tourists alike.The meat quality is the best there is for this type of restaurant ( churrascaria ), in north america, or brasil ( where it is very expensive at the moment at r$ 200,00 per person ).
There are 29 american locations and 9 brazilian locations.There are fewer cuts of a meat but it’s still a great deal.There’s a farmer’s market here every week during the summer.This is one of my favorite squares in boston for the opportunity to sit and a beautiful green area, and watch the city happen around you..
This restaurant serves spring pea & asparagus soup, brazilian kale and arugula salad, full churrasco experience, south american flan, kale & orange salad, imported cheese selection, and beef ancho / rib eye.This week in boston, for the fussy and finicky, fogo de chão will pose a challenge, claims critic devra first, you get a brief introduction about how the.Visit our website to discover all of your options and to place an order.Warm pão de queijo (cheese bread), crispy polenta, mashed potatoes, and caramelized bananas.

domain: geography


The Hubbard School District earned an excellent rating for the second year in a row from the Ohio Department of Education's Academic Report Cards for the 2008-09 school year.
Schools performance is based on state indicators that measure the achievement and progress of students within a school building or district. Four separate measures are used to assign one of six designations to districts. These designations are excellent with distinction, excellent, effective, continuous improvement, academic watch and academic emergency. Of 30 indicators used to determine a districts designation, Liberty schools met 21 with a performance index of 94.1 points out of a possible 120.
All three of Hubbard's school buildings received excellent ratings, according to schools' superintendent, Richard J. Buchenic. Achievement tests in reading, mathematics, writing, science and social studies, depending on each grade level, allow schools to earn performance credits.
''Our goal is to always improve,'' Buchenic said, ''and we are working on changes in the middle school since this is the transitional time for students.''
The state requires at least 75 percent of students tested in grades 3, 8 and 10 score proficient or higher on achievement tests. Hubbard third-graders scored 84.1 percent in reading and 76.8 percent in mathematics.
Tenth-grade Ohio Graduation Test-takers scored higher than 75 percent required. The lowest scores were in science at 76.9 percent, with the highest in writing at 89.9 percent. Eleventh-grade OGT scores were even higher with 92.4 percent in science and 92.4 percent in reading. Attendance rates for Hubbard schools was 94.8 percent for all grades with a 97.5 percent graduation rate.
''There is a lot more to being an excellent school district than test scores,'' Buchenic said. ''We have a lot of things to look at in the district and we try to be excellent in a lot of things,'' he said.
Statewide more than 85 percent of school districts and almost 72 percent of school buildings received ratings of effective or higher on this year's report cards. These figures include 116 districts and 215 schools that have earned the excellent with distinction designation.
Over the last decade, statewide student scores on the report have increased 26 percent.


Do business better with the best small office printer from Konica Minolta, the magicolor 1650EN. This ultra compact, lightweight color laser printer features a monthly duty cycle of 35,000 prints and outputs documents at speeds up to 20 ppm B&W and 5 ppm color.
- magicolor 1650EN
- Konica Minolta
- Color Printers
from Konica Minolta
Designed to be the best small office printer for the money, the Konica Minolta magicolor 1650EN packs robust features into a compact package. Its low purchase price and cost per print will save your business money without compromising on quality or options.
- Ethernet 10/100BaseTX & USB 2.0 connection for network or local use
- Prints full color, high-resolution (9600 x 600 dpi) documents and images at rapid speeds; 20 ppm B&W and 5 ppm color
- Other features include:
- Easy network management with built-in PageScope utilities that save time and money
- Pre-installed supplies and auto install software for easy set-up
- Compact (15.6" x 15") & lightweight (33 lb.) design fits anywhere making it the best small office printer for a variety of locations
- Emperon print system drives performance with PostScript 3 and PCL 6 languages for Windows, Mac and Linux operating systems
- Flexible paper management with a 200-sheet fold up input tray designed to save space and 500-sheet feeder and auto duplexer options
- Energy Star rated to protect the environment and save your business money on utility bills; making it the best small office printer for environmentally conscious businesses


text:
(PRWEB) January 14, 2013
Using the binary options demo platform available at Binary Options Demo.com, anyone can experience binary options trading in exactly the same way as at a leading binary options broker.
In fact, their state of the art trading platform offers more assets and more expiry times then nearly any other broker in the market today.
And unlike some brokers out there, traders do not need to deposit any money in order to open a demo account, as Binary Options Demo.com does not offer real money trading of any kind.
The use of live market rates ensures that the trading experience at binary options demo will in fact be exactly the same as people would encounter at a leading broker.
Their platform’s wide range of assets and expiry times allow binary options traders to create the optimal trade to profit from market movements.
To assist traders in making the right decisions, the team from Binary Options Demo.com have gone a step further making detailed technical analysis tools available to all users.
Showing a wealth of detailed information about all the assets available on the platform this tool alone makes opening a free account at binary options demo worthwhile.
The intuitive nature of the trading platform is perfect for both new and experienced traders. Unlike many binary options brokers out there, selecting the asset and the expiry time is very easy and platform users can view the progress of all open trades.
The trading room is available in several languages including English, Italian, French and Dutch with more languages due to be added during the coming month.
By following the website on social media traders will also be kept informed of the latest binary options market news, trading opportunities and free binary options trading signals.

domain: finance


While working at a summer camp in the United States, Joe was involved in a horse riding accident that left him permanently paralysed from the chest down.
When he returned to England, he had an appointment at The National Spinal Injuries Centre at Stoke Mandeville, where he noticed a Back Up poster on the wall. Immediately, Joe decided to visit Back Up’s website to find out more about our services, and he couldn’t believe what he saw.
Straight after getting in touch, Joe was matched with a mentor, who was able to help him adjust to life with spinal cord injury and regain confidence. He also went on a multi activity course in Exmoor and a skiing course.
“Back Up has given me the confidence to realise everything is possible if you put your mind to it,” he said. From using the services, Joe quickly became a volunteer and fundraiser.
In 2015, Joe took on the ultimate challenge – Snowdon Push – and pushed to the summit of the highest mountain in England and Wales. Joe’s determined attitude was shown not only by his fundraising achievements, but also through the type of challenge he took to raise the money.
“I wanted to push my limits and do something I never thought possible and I wanted to raise money for a charity close to my heart.”
Joe sees this challenge as one of the best things he has ever done. “It’s a great feeling when you reach the top and you know that all your hard work is going to an amazing cause.”
To get donations, Joe spent many days contacting family and friends, tweeting celebrities and approaching strangers. His determination and fundraising creativity meant he raised over £7,000 to help people affected by spinal cord injury.
Last year, Joe was in complete shock when he won Top Fundraiser at the annual Back Up Ball. “As they were leading up to saying the name I thought ‘That kind of sounds like me,’” he said. “I couldn’t believe it.”
In the future, he plans to do more fundraising challenges for Back Up and hopes more people with spinal cord injury get involved.
“Back Up really works to help people overcome challenges and make life as ‘normal’ as possible.”
Are you ready for the ultimate challenge? Take on Mount Snowdon to raise vital funds for Back Up
PS: Teleflex, a global provider of medical technologies designed to improve the health and quality of people’s lives, kindly sponsored this month’s newsletter. Like Joe, they also took on the Snowdon Push challenge in 2013. Watch a video about their challenge here


Cannabis seized in police raid in Bristol
Police have seized £60,000 worth of cannabis in a drugs raid in Bristol.
They found more than 140 plants in a property on Dormer Road, in the Eastville area, along with equipment used for growing cannabis.
A 47-year-old man was arrested following the discovery but has now been released on police bail pending further inquiries.
Officers thanked the local community who passed on information which allowed them to uncover the drug site.
Sgt Nigel Chapmen, from Avon and Somerset Constabulary, said it was a "professional set-up" which "was capable of producing thousands of pounds of cannabis".


text:
Five Pillars Of Islam Pdf
Five Pillars of Islam: A Comprehensive Guide in PDF Format
As one of the world’s major religions, Islam plays a fundamental role in the lives of its adherents. Central to the Islamic faith are the Five Pillars of Islam, a set of religious duties prescribed by Allah (God) for all Muslims. These pillars serve as the foundation for the beliefs and practices of the Islamic community, providing a framework for personal spirituality and communal worship. In this article, we provide a detailed exploration of the Five Pillars of Islam, outlining their significance, practical implementation, and spiritual effects. Furthermore, we offer a downloadable PDF document that serves as a comprehensive guide to the Five Pillars, ensuring easy access and understanding for all those interested in deepening their knowledge of Islam.
Table of Contents
- Pillar 1: Shahada (Faith)
- Pillar 2: Salah (Prayer)
- Pillar 3: Zakat (Charity)
- Pillar 4: Sawm (Fasting)
- Pillar 5: Hajj (Pilgrimage)
- Download Five Pillars of Islam PDF
- Frequently Asked Questions
Pillar 1: Shahada (Faith)
The first pillar of Islam, Shahada, refers to the declaration of faith. It is a testimony that there is no god but Allah and that Muhammad is His messenger. This profession of faith is the entry point into Islam and serves as the foundation of all other pillars. In this section, we delve into the significance of Shahada and its practical implications, highlighting its role in individual and communal spiritual growth.
Pillar 2: Salah (Prayer)
Salah, or prayer, is the second pillar of Islam and serves as a means of direct communication between a Muslim and Allah. Through the prescribed rituals and prostrations, Muslims establish a connection with the divine, seeking guidance, forgiveness, and blessings. This section provides a comprehensive guide to Salah, including its importance, timings, physical movements, and spiritual benefits.
Pillar 3: Zakat (Charity)
Zakat, the third pillar of Islam, emphasizes the importance of giving to those in need. As a form of mandatory charity, Zakat serves to purify one’s wealth and promote social justice within the Muslim community. In this segment, we explore the concept of Zakat, its calculation, distribution, and transformative impact on both the giver and the receiver.
Pillar 4: Sawm (Fasting)
Sawm, or fasting, takes center stage as the fourth pillar of Islam. In the holy month of Ramadan, Muslims abstain from food, drink, and other worldly pleasures from dawn until sunset. This act of self-control aims to purify the soul, foster empathy for the less fortunate, and enhance spiritual awareness. Within this section, we delve into the significance of fasting, its rules, exceptions, and spiritual rewards.
Pillar 5: Hajj (Pilgrimage)
Hajj, the fifth and final pillar of Islam, refers to the pilgrimage to the city of Mecca in Saudi Arabia. Muslims from around the world gather in Mecca to perform a series of rituals commemorating the life and struggles of Prophet Abraham and his family. This section provides an in-depth exploration of Hajj, including its history, rituals, prerequisites, and the profound spiritual experience it offers to the participants.
Download Five Pillars of Islam PDF
To ensure easy access and comprehensive understanding of the Five Pillars of Islam, we have prepared a detailed PDF document. This document serves as a concise guide, covering each pillar in depth, providing insights, practical tips, and references for further study. Whether you are new to Islam or seek to deepen your knowledge, this PDF is a valuable resource. Click the link below to download the Five Pillars of Islam PDF:
Download Five Pillars of Islam PDF
Frequently Asked Questions
Q: Are the Five Pillars of Islam mandatory for all Muslims?
A: Yes, the Five Pillars of Islam are obligatory for all Muslims as they form the foundation of the faith and serve as essential acts of worship.
Q: Can I practice Islam without observing the Five Pillars?
A: Observing the Five Pillars is an integral part of being a practicing Muslim. While personal devotion and levels of observance may vary, the Five Pillars provide the core framework for Islamic belief and practice.
Q: Can non-Muslims benefit from understanding the Five Pillars of Islam?
A: Absolutely! Understanding the Five Pillars of Islam can provide valuable insight into the beliefs, practices, and values of Muslims worldwide. It facilitates cultural appreciation, interfaith dialogue, and the fostering of mutual respect and understanding.
Q: Is it necessary to memorize the Five Pillars of Islam?
A: While memorizing the exact wording of the Five Pillars is not obligatory, understanding their concepts and importance is crucial for any Muslim seeking spiritual growth and alignment with the teachings of Islam.
In conclusion, the Five Pillars of Islam form the core principles of the Islamic faith, providing guidance and structure for Muslims worldwide. Each pillar holds immense significance, encompassing belief, worship, charity, self-discipline, and pilgrimage. Through the integration of these pillars into their daily lives, Muslims seek spiritual enlightenment, self-improvement, and unity with their Creator. To easily access a comprehensive guide to the Five Pillars of Islam, download our PDF document and embark on a journey of knowledge and understanding.


text:
MS 4906 Chitimacha Ethnographic and Kinship Notes
Includes notes on native dyes and tanning and on the names of Chitimacha families.
MS 2213 Miscellaneous notes on the Cheyenne 1903-1906
Includes day-by-day account of hide-dressing process, April 28 - May 28, 1903. Corresponding snapshots by Mooney (somewhat blurred) are in BAE photographic files, "original prints" series.
MS 1583 Peoria texts
Includes biographical sketches, 8 pages; medical notes (conjuror's treatment), 2 pages; note on tanning of buckskin, 1 page; note on curing of meat, 2 pages. (Lives of the female ancestors of Sweet Linn or Wikapi, 7 pages.)
Stereographs relating to North American Indians
Catalog Number 4551: (1) Stereo Tribe:. Blackfeet Description: Preparing for Medicine Lodge ceremony, Glacier National Park, Montana Photographer: Keystone View Co. Number 188; 23000. See BAE Negative Number 56,815. (2) Stereo Dakota, Western Mounted Sioux Indians in "Full Feather", leaving camp Keystone View Co. Number 182; 16718. (3) Stereo [Athapascan] Woman working on moose hide, near Atlin, British Columbia …
MS 1766 The Twana, Chemakum, and Clallam Indians of Washington Territory; a historic account prepared for the press
Contents: Part I-Man. A. Names, locations, and divisions of the tribes. Twanas, Chemakums, Clallams. B. History. C. Population, and causes affecting. D. Progress: In medical practice. In house building. In dress. In implements. In social customs. In education. In morals. In religion. Part II- Surroundings. A. Inorganic. Outline, etc., of …
MS 2925 Report of the Northern Alaska Exploring Expedition
This published account follows the manuscript in the main, with minor editorial changes, especially in the paragraphing and in arrangement of the sections. However, there are some paragraphs and several entire sections in the manuscript which do not appear in the published account. Manuscript page number 160-163. "Boats." Includes drawing of …
Photographs of R. O. Sweeny Drawings of Dakota Indians
Consists of 20 photos of drawings by Robert Ormsby Sweeny, made in Minnesota in 1852.
MS 1302-a Jicarilla Apache vocabulary and notes
Vocabulary listed according to categories in Powellʼs printed outline with added information on culture, customs and religion.
Photographs of Winnebago Indians, made at Wisconsin Dells, Wisconsin
Catalog Number 4702: (1) Tribe: Winnebago Description: Ha-noo-gah Chun-hut-ah-rah (Second boy and pony) Photographer: Henry H. Bennett Date: 1865-1908. (2) Winnebago Woman tanning a deer skin Henry H. Bennett 1865-1908. (3) Winnebago Wah-con-jah-zee-gah (Yellow Thunder) Henry H. Bennett 1865-1908. Negative Number: cf. 45,479-H. (4) Winnebago Playing game of Wah-koo-chad-ah or moccasin Henry H. Bennett 1865-1908. (5) Winnebago Wong-chig-ah Chea-da (Indian …
Warshaw Collection of Business Americana Subject Categories: Leather
A New York bookseller, Warshaw assembled this collection over nearly fifty years. The Warshaw Collection of Business Americana: Accounting and Bookkeeping forms part of the Warshaw Collection of Business Americana, Subseries 1.1: Subject Categories. The Subject Categories subseries is divided into 470 subject categories based on those created by Mr. Warshaw. These subject categories include topical subjects, types or forms of material, people, organizations, historical events, and other categories. An overview to the entire Warshaw collection is available here: Warshaw Collection of Business Americana

domain: history


text:
This Last On
Week Week List Fiction
1 3 6 THE NANNY DIARIES, by Emma McLaughlin and Nicola Kraus. (St. Martin's, $24.95.) A satirical look at rich and powerful New Yorkers through the eyes of an Upper East Side nanny.
2 2 4 EVERYTHING'S EVENTUAL, by Stephen King. (Scribner, $28.) A collection of 14 ''dark tales'' about the strange and the supernatural.
3 1 2 THREE FATES, by Nora Roberts. (Putnam, $25.95.) The great-great-grandchildren of a petty thief who survived the sinking of the Lusitania are determined to recover a small, priceless statue he took from the ship.
4 5 6 2ND CHANCE, by James Patterson with Andrew Gross. (Little, Brown, $26.95.) The members of the Women's Murder Club -- a detective, a medical examiner, a prosecutor and a reporter -- search for a killer.Continue reading the main story
5 4 10 THE SUMMONS, by John Grisham. (Doubleday, $27.95.) A law professor who has been called home to Mississippi by his father, a dying judge, discovers more than $3 million in cash in the old man's study.
6 1 SEA GLASS, by Anita Shreve. (Little, Brown, $25.95.) In Depression-era New England, a newly married couple move into a dilapidated house on the beach.
7 7 5 ATONEMENT, by Ian McEwan. (Nan A. Talese/Doubleday, $26.) A chronicle of the disintegration of an English family's idyllic life.
8 6 3 BODY OF LIES, by Iris Johansen. (Bantam, $24.95.) A United States senator summons the forensic sculptor Eve Duncan to Baton Rouge, La., for the purpose of identifying the remains of a murder victim.
9 13 3 HOPE THROUGH HEARTSONGS, written and illustrated by Mattie J. T. Stepanek. (VSP Books/Hyperion, $14.95.) A book of poems by an 11-year-old boy. (+)
10 8 2 THE GOLDEN ONE, by Elizabeth Peters. (Morrow, $25.95.) In 1917, the archaeologist Amelia Peabody investigates a murder at an ancient Egyptian burial site.
11 11 4 WIDOW'S WALK, by Robert B. Parker. (Putnam, $24.95.) The lawyer for a sexy young woman whose much older millionaire husband has been shot to death hires the Boston private eye Spenser to investigate.
12 9 2 MIDNIGHT RUNNER, by Jack Higgins. (Putnam, $25.95.) A member of a half-Arab, half-British family that tried unsuccessfully to assassinate the president of the United States swears vengeance on her enemies.
13 12 5 THE STONE MONKEY, by Jeffery Deaver. (Simon & Schuster, $25.) A quadriplegic forensics genius tries to capture a notorious smuggler of human beings.
14 1 *THE BONDWOMAN's NARRATIVE, by Hannah Crafts. Edited by Henry Louis Gates Jr. (Warner, $24.95.) The autobiographical tale (written in the 1850's) of a slave who makes her way to freedom.
15 1 *A KISS REMEMBERED, by Sandra Brown. (Warner, $19.95.) After a disastrous marriage, a young Oklahoma woman seeks out the man who got away.
This Last On
Week Week List Nonfiction
1 1 2 LUCKY MAN, by Michael J. Fox. (Hyperion, $22.95.) A memoir by the film and television actor, who was told a decade ago that he had Parkinson's disease.
2 2 3 A MIND AT A TIME, by Mel Levine. (Simon & Schuster, $26.) A professor of pediatrics examines the learning patterns of children and the various ways in which parents and other adults can help them succeed.
3 3 3 KNIGHT: My Story, by Bob Knight with Bob Hammel. (Thomas Dunne/St. Martin's, $25.95.) The autobiography of the man who was the basketball coach at Indiana University for decades and is now at Texas Tech.
4 4 8 STUPID WHITE MEN, by Michael Moore. (ReganBooks/HarperCollins, $24.95.) The man behind ''Roger & Me'' takes aim at Republicans and Democrats, corporate America and our ''nation of idiots.''
5 8 2 A SONG FLUNG UP TO HEAVEN, by Maya Angelou. (Random House, $23.95.) The sixth and final volume in an autobiographical series that began with ''I Know Why the Caged Bird Sings.''
6 5 4 REPORT FROM GROUND ZERO, by Dennis Smith. (Viking, $24.95.) The author of ''Report From Engine Co. 82'' provides accounts of the attack on the World Trade Center and the rescue efforts that followed.
7 6 5 BLINDED BY THE RIGHT, by David Brock. (Crown,$25.95.) The author of ''The Real Anita Hill'' andThe Seduction of Hillary Rodham'' recounts his break with the conservative movement. (+)
8 10 2 STILL WOMAN ENOUGH, by Loretta Lynn with Patsi Bale Cox. (Hyperion, $24.95.) The country singer tells the story of her rise to stardom.
9 11 12 DRIVER #8, by Dale Earnhardt Jr. with Jade Gurss. (Warner, $23.95.) The race car driver's account of his rookie year on the Nascar circuit.
10 7 19 BIAS, by Bernard Goldberg. (Regnery, $27.95.) A television journalist who worked at CBS for many years reports on ''how the media distort the news.'' (+)
11 45 JOHN ADAMS, by David McCullough. (Simon & Schuster, $35.) A biography of the country's first vice president and second president.
12 1 MARTHA INC., by Christopher M. Byron. (Wiley, $27.95.) A financial writer traces Martha Stewart's life story and surveys her extraordinary success in the business world.
13 1 SMALL WONDER, by Barbara Kingsolver. (Harper-Collins, $23.95.) A collection of essays by the novelist, poet and short-story writer.
14 12 14 WHAT WENT WRONG? by Bernard Lewis. (Oxford University, $23.) A scholar of Middle Eastern history examines the reaction of the Islamic world to being overshadowed by the West.
15 9 6 SHAKEDOWN, by Kenneth R. Timmerman. (Regnery, $29.95.) A journalist's ''investigative biography'' of the Rev. Jesse Jackson. (+)
This Last On
Week Week List Children's Chapter Books
1 2 93 HARRY POTTER AND THE GOBLET OF FIRE, by J. K. Rowling. (Levine/Scholastic, $25.95.) A boy competes against other aspiring wizards. (Ages 10 and up)
2 1 4 PRINCESS IN LOVE, by Meg Cabot. (HarperCollins, $15.99.) The third volume of ''The Princess Diaries,'' about an American teenager who learns that she's a European royal. (Ages 12 and up)
3 4 77 THE BAD BEGINNING, by Lemony Snicket. (HarperCollins, $8.95.) The three Baudelaire siblings find misfortune everywhere they turn. (Ages 10 and up)
4 3 3 EMERIL'S THERE'S A CHEF IN MY SOUP! by Emeril Lagasse. Illustrated by Charles Yuen. (HarperCollins, $22.99.) Recipes. (All ages)
5 5 55 THE REPTILE ROOM, by Lemony Snicket. (HarperCollins, $8.95.) The second book in a series about the Baudelaire siblings, who find more misfortune everywhere they turn. (Ages 10 and up)
6 18 JUNIE B., FIRST GRADER (AT LAST!), by Barbara Park. Illustrated by Denise Brunkus. (Stepping Stone/Random House, $11.95.) It's a brand-new school year for a young girl. (Ages 4 to 8)
7 6 14 THE MISERABLE MILL, by Lemony Snicket. (HarperCollins, $8.95.) Unfortunate events continue to bedevil the Baudelaire siblings. (Ages 10 and up)
8 7 27 THE WIDE WINDOW, by Lemony Snicket. (HarperCollins, $8.95.) The Baudelaire siblings continue to find misfortune. (Ages 10 and up)
9 8 27 THE HOSTILE HOSPITAL, by Lemony Snicket. (HarperCollins, $9.95.) The Baudelaire children have a miserable stay at Heimlich Hospital. (Ages 10 and up)
10 9 136 HARRY POTTER AND THE PRISONER OF AZKABAN, by J. K. Rowling. (Levine/Scholastic, $19.95.) A boy's life at a school for witchcraft is threatened. (Ages 10 and up)
Rankings reflect sales, for the week ended April 13, at almost 4,000 bookstores plus wholesalers serving 50,000 other retailers (gift shops, department stores, newsstands, supermarkets), statistically weighted to represent all such outlets nationwide. An asterisk (*) indicates that a book's sales are barely distinguishable from those of the book above. A dagger (+) indicates that some bookstores report receiving bulk orders. Expanded rankings are available at The New York Times on the Web: nytimes.com/books. Best-seller lists for children's picture books, children's chapter books and children's paperbacks, respectively, are published in rotation on succeeding weeks; all three lists appear each week on the Book Review's Web site. Publishers have provided the age designations for their best-selling children's titles. Rankings for children's paperbacks do not include serials.Continue reading the main story


text:
Doesn’t really matter where you have been this July but it is HOT!! So nothing like some new tunes to help hanging out on the inside where it is COOl! This July edition has some new young talent from Dayton, lo-fi from Sweden, surf out of the Bay area, punk from Delaware, pop rock from the NYC, and some alt-country from Columbus, OH. It wouldn’t be a Bandcamp feature if you didn’t Discover, Support & Share – just do it already!
Punk may not be in the mainstream like it was back in the day but Phili’s Plow United make a great statement here of why you should still be listening. The group’s debut came out in 1994, so they lived it through 1998 until a break. Three represents their second release since reuniting in 2011 and after listening – you would never believe they went away. Think Face to Face, Rancid, and MxPx as Plow United bring the right vibe.
Plow United Bandcamp
Will Bennett & The Tells
Should someone tell Columbus, OH band Will Bennett & The Tells that they should be playing in Austin, TX? Why? Well, their upbeat Old 97’s alt-country style is beer bottle breaking, girl stealing, belt buckle fun and deserves some attention. Their debut, Wichita, has everything from some good relationship stories to a little rollicking honky tonk which works well with Bennett’s laid back vocal delivery. The band may call Columbus home but you can gladly dust the southern dirt off of this one!
Will Bennett & The Tells Bandcamp
San Francisco, California
Cool Ghouls have a 60’s rock pop sound with psychedelic harmonies and intricate guitar playing. The band will be releasing their third record, Animal Races, on Aug 19th via Empty Cellar. The group definitely has refined their sound and focused in on their Nugget highlights from previous outings. Animal Races is easily their most confident LP to date and should bring a bigger audience with its warm California sound that never gets old.
Cool Ghouls Bandcamp
This Pine Box
Finding new talent in your own backyard always seems like a big win. This Pine Box are young but talented with their big song structures and engaging guy/gal harmonies. Their strength is in their restraint, as both vocalists come across very controlled while the music swirls around them with some solid guitar work. The group has just recently released their impressive debut EP, For Awhile, so who knows what will happen next with their still untapped emotion that only comes with experience. I wouldn’t wait – give them a shot now!
This Pine Box Bandcamp
Brooklyn, New York
Be careful searching for this group on Google or you could end up with a mattress! Sleepies are on their third full length with Natural Selection and it is another angular punk record that at times feels Dead Milkmen while others – Interpol. Their music has a modern edge to it that will surprise you around every corner and should suck you in. After a couple spins of their tracks – we both can agree that Sleepies have a great indie rock sound.
We actually featured these guys back in our Jan 2015 edition but thought they were worth mentioning again with the release of the 6 song DIM. This laid back jangly lo-fi set shows off the Glyders area of specialty and I think you will dig every song.
Last we heard from Shy Mirrors at TFN was back in 2013 with Negative Collector but the band has kept steadily busy releasing cassette full lengths with the latest, When Nothing is Next, out via our friends at Hope For The Tape Deck. The record is another blast of short lo-fi goodness and brings plenty of “hit replay” moments. Besides the obvious GBV comparison, Shy Mirrors also have an energetic Superchunk side to them as well which rocks!
Shy Mirrors Bandcamp
New York, New York
The Jeanies released this single last year but one of our favorite labels, HoZac Records, just put this single out on wax giving the band their first proper 7″. If you like solid sounding pop rock like Shoes, Big Star and Redd Kross then The Jeanies will be in your wheelhouse. I just keep spinning this track again and again!
The Jeanies Bandcamp
Melodic punk rock! If you are into it then Wilmington’s Satellite Go should be on your speakers. It is this type of fever that always brings me hope that more people will fall back in with this genre. Tight songs, tight drums, tight guitars – enough said – rock out with Satellite Go!
Satellite Go Bandcamp
The Love Dimension
San Francisco, California
San Francisco musical collective The Love Dimension has a bit of it all in their sound from the psychedelic ’60s to ’90s grunge with plenty of surf rock to bridge the two. On their new EP, Freakquency Space Mind Continuum, the band shoots out of every track like a surfer’s barrel and never seems to let up as most of the five tracks stay in the 2 to 3-minute range. The Love Dimension bring a classy golden era of rock forward here that should be for fans ranging from Beach Boys to Dick Dale to La Luz.
The Love Dimension Bandcamp
-Feature by Christopher Anthony and Thomas Wilde
- boygenius – “the film” [Video] - March 31, 2023
- Fire Track: Jenny Lewis – “Psychos” - March 29, 2023
- The Murlocs – “Initiative” [Video] - March 23, 2023

domain: entertainment


text:
Another year of the Calgary Comic and Entertainment Expo has come and gone, leaving behind only faint memories… and some seriously awesome photos.
Calgarians came out in full force over the weekend, many decked out in costumes depicting their favourite comic book, video game, TV show, or action movie characters.
- Celebrities to keep an eye out for around Calgary this weekend
- You can fly from Calgary to Costa Rica for under $400 roundtrip
- Movie Review: 'Avengers: Infinity War' is satisfying in a BIG way
We’ve scoured the many photos to find the very best of the 2018 Calgary Expo — just in case you happened to miss it this year!
Here are our favourite cosplay costumes from this weekend:


The release of Google’s Pixel Tablet has undoubtedly taken a very long time. Even though one was put up for sale on Facebook Marketplace back in December, it hasn’t been official since it was first hinted at in May 2022. Today, a fresh rumour from a typically trustworthy source adds some more information about the impending device.
Even though it isn’t official yet, the Pixel Fold might as well be. We received renders last month. A purported dummy model of the Pixel foldable was obtained by Dave2D, who extrapolated a variety of details from the largely featureless plastic.
We see a phone that appears quite similar to the smaller Pixel 7, however, the size and proportions, particularly of the camera cutout with respect to the bar, are significantly different.
Because hardware development takes years, today’s leak revealing the Google Pixel roadmap through 2025 is spot on. If Google keeps planning, the next three years of Pixel phones demonstrate Google’s aim to deliver a range of devices that more than mimic the iPhone in terms of diversity.


The Wizards beat the Bucks on Wednesday, 106-101. Despite the close score, Washington was winning by double figures for much of the game. John Wall led all Washington scorers with 19 points, and six more players scored in double figures.
Randy Wittman's rpresser is above, but other players' videos are below:
Here's the recap roll for the night:
I found this comment adorable
Thursday Food Specials
The Wizards led after the first quarter and scored 100 points in the win. That means a free Egg McMuffin with your McDonald's mobile app AND half priced online orders at Papa John's.
The Dosas come from India. They are a thin pancake that are made of rice. Here's one recipe for those of you who like to read. And here's another one for those of you who want to see things on YouTube (via Bhavna's Kitchen)
Enjoy your Thursdays.


text:
The Colorado Springs
Chapter of APSS
President: Mary Madjeski
After many years of life experiences, I found myself being interested in writing. The adventure really began when my friend gave me a flyer from the library, reflecting workshops for aspiring authors. When I went to my first workshop, I was introduced to more workshops. Then, I was able to meet some authors, agents, and publishers that shared their expertise on their current career. Being educated, by learning some useful information, enabled me to hone in on my gift for writing.
Through the years, what I have discovered is that I enjoy myself when I can help others tell their stories, which in turn, may inspire the reader(s) to do something fruitful in their life, like helping some others in achieving their goals, and it becomes a cycle. Hence, the reason I’ve joined APSS in helping get the Colorado Springs Chapter re-established and running again, is so it can help aspiring authors’ dreams, come into fruition.

domain: literature


text:
Scott Gooding, Executive Director, Budget and Financial Management, Columbus City School District, Jenni Logan, Treasurer/CFO, Lakota Local SD, Ryan Stechschulte, Treasurer/ CFO, Toledo City School District
Course Details: Investing In a Rising Interest Rate Environment
Target Audiences: School Districts
After waiting nearly 10 years for short term rates to go higher, Ohio public investors now find themselves in a rising interest rate environment. Higher interest rates can mean thousands if not hundreds of thousands in extra investment income for some school districts. The presentation will discuss different methods of investing that will take advantage of higher future short term interest rates. The presentation will also discuss typical investment philosophies such as laddering and the barbell method of investing. Finally, the presentation will discuss the pitfalls of trying to time the market and risks of selling investments securities prior to maturity.
At the conclusion of this session, Treasurers will be able to identify different methods of investing during rising and declining interest rate cycles. Treasurers should also learn how these market cycles affect their ability to earn interest income on their investments.
Being a good steward of taxpayer dollars is central to a Treasurer’s role. Effectively investing idle cash in the best yielding options allowable under the Ohio Revised Code is something that can make a huge difference to the school district and I believe warrants CPIM accreditation.
Ted joined Huntington Capital Markets in December of 2013 as Senior Vice President and Managing Director of Institutional Investments for Ohio, West Virginia and Indiana markets. Prior to joining Huntington, Ted spent fourteen years with Fifth Third’s Institutional Investments Group, specializing in working with government investors. Ted specializes in fixed income investments for national and local institutions, including money managers, mutual funds, financial institutions, insurance companies, governments, schools, corporations and not-for-profit entities.
Ted has been certified as a speaker for the Center for Public Investment Management and is a volunteer in the local American Heart Association, Starfire Council and United Way. Ted received a B.S. in Business from Miami University (1992) and a J.D. from Loyola University at Chicago (1996). Ted also graduated from Culver Military Academy’s summer program (1986). Ted is Series 7 and 63 licensed and retired status as an attorney.
Course Details: Best Practices in School Budgeting
Target Audiences: School Districts
Category: Cash Management
The Government Finance Officers Association (GFOA) has developed a set of Best Practices focused on budgeting to better align resources with student achievement. These Best Practices align with the work of Smarter School Spending for Student Success. GFOA has worked with practitioners, researchers, and other education finance experts to identify Best Practices in school and community college budgeting. These Best Practices aim to leverage the budget process to align resources to student outcomes. In addition, the GFOA is recruiting school districts to participate in its early adopter group, the Alliance for Excellence in School Budgeting. Members of the Alliance will benefit from interactions with approximately 30 other districts and hands on training in the implementation of the Best Practices. The Smarter School Spending process and resources can help your district achieve the Best Practices and be eligible for GFOA's annual budget awards.
School districts are constantly being asked to do more — improve student learning — with the same or fewer resources. Standards are rising. Technology is evolving rapidly. Requirements for teachers are becoming more rigorous, and their need for effective feedback and development is greater than ever. District leaders, confronting these pressures, know that their ability to succeed goes only as far as their ability to find resources to support their goals.
Smarter School Spending for Student Success is an educational movement started by districts and for districts to help increase student achievement during these times of both greater expectations and greater budget constraints. It introduces a new way of aligning resources (people, time, and money) with your district's student achievement goals. SmarterSchoolSpending.org provides districts with free processes and tools to carry out the Smarter School Spending effort out in your district, plus connections to technical assistance providers and an online community to provide districts with support each step of the way.
The Smarter School Spending process and tools were developed directly from the work done in four demonstration districts and were informed by leading researchers in the field of education. The Parthenon Group and KSA-Plus Communications coordinated the creation of SmarterSchoolSpending.org with extensive support from Fayette County Public Schools (KY), Knox County Schools (TN), Lake County Schools (FL), Rochester City School District (NY), the Boston Consulting Group, the District Management Council, and McKinsey & Company.
Smarter School Spending is about more than just your district's finances. It is a system wide effort to change the way that your district does business. It will allow your district to identify its priorities for improving student achievement, pay for those priorities, and engage the community each step of the way.
Districts that go through the process will produce a strategic finance plan for the next three to five years, an easy-to-understand annual budget document, a stakeholder engagement plan, a plan to continue the work for years to come, and most important, a district wide culture that prioritizes the smart and strategic use of resources aligned to student achievement outcomes.
At the conclusion of this session school business officials will have a better understanding of the budgeting best practices being developed and shared nationwide.
The topics covered in this presentation are important to school district business officials, timely, and provide in depth information on the topics covered. This presentation will cover the best practices that have been developed and shared nationwide in depth. Treasurers and School Business Officials will leave this session with a greater understanding of the value of implementing this approach to school district budgeting.
Scott has been with the Columbus City School District since February 2014. Scott holds a Bachelor of Science degree in Mathematics and a Masters of Education.
Scott has been in the school finance business for 20 years. He has previously served as Treasurer/CFO at Fairbanks Local Schools, Fairfield City Schools and Westerville City Schools. He also served as the Director of Fiscal Services at the ESC of Central Ohio. Scott belongs to several professional organizations, served on numerous statewide committees and presented at state and national conferences.
Columbus City School District is a member of the Alliance for Excellence in School Budgeting.
Jenni Logan is the Treasurer/CFO of the Lakota Local School District in Butler County. She has held this position since January of 2011. Prior to that she was a Director in the Public Finance Department of Robert W. Baird & Co. Ms. Logan has over 20 years of experience serving school districts in Ohio, which include an ESC, JVSD, CSD, LSD and an EVSD. She has been involved with several state committees for OASBO and served the organization as its state president in 2005-06. Lakota Local School District is a member of the Alliance for Excellence in School Budgeting.
Ryan Stechschulte has been the Treasurer/Chief Fiscal Officer of the Toledo City School District since July 2015. Mr. Stechschulte has more than 20 years of experience in the fiscal management of Ohio public schools. Mr. Stechschulte has held the position of Treasurer/Chief Financial Officer for Lima City Schools in Allen County, Ottawa Hills Local School District in Lucas County, Patrick Henry Local School District in Henry County, and the Ada Exempted Village Local School District in Hardin County. Mr. Stechschulte is a past president of the Ohio Association of School Business Officials and has held numerous leadership positions within the Northwest Region of the Ohio Association of School Business Officials. Mr. Stechschulte previously served as an auditor for the State of Ohio.
Course Details: Presenting Complex Financial Information & Creating Understanding
Target Audiences: School Districts
Category: Public Finance
An effective presentation of financial data to boards of education and other stakeholders is essential to sound financial management and public policy decisions. This session will focus on the very real presentation challenges facing today’s school district treasurer and will offer sound examples to use at their own district. Examples that will be discussed include:
“Dealing with negotiations and a cash balance.” “Confronting complex local levies and state revenue interaction in a way that addresses bias.” The seminar will include tips for making sense of complex information for both the ‘lay’ person and the financially informed. As a result of effective communication of the complex the CFO will improve understanding and financial strategies and policy decision making.
This presentation will discuss the very topics that can lead to greater financial stability and informed public policy decision-making.
Ernie Strawser, Consultant, provides direct services to public finance clients. He has over 30 years of public finance experience as a CFO, consultant, and developer and instructor of financial forecasting techniques and tools which have been used by over two hundred Ohio school district CFOs. Ernie works with clients to facilitate their understanding of local financial results, trends, and strategies. He holds both a Master’s of Science in Administration from Central Michigan University and a Bachelor of Science in Finance from Ohio University.
Katie Henes is the Treasurer for Avon Local Schools since August, 2015. Prior to joining Avon Local, Ms. Henes was the Treasurer for Elyria City SD from 2004 - 2015, having started at Elyria as the Assistant Treasurer in 2004. Previously Ms. Henes served several other school districts, including Ashland City SD as Assistant Treasurer, Olmsted Falls City SD as the treasurer's assistant and Clearview Local SD as an intern and doing college work.
Ms. Henes did her undergraduate work in accounting and finance, and earned her school treasurer licenses with courses through Ashland University. She has an MBA from Mount Vernon Nazarene.
Course Details: Municipal Bond Market - Regulatory Update and Best Practices
Target Audiences: School Districts
Category: Public Finance
The financial meltdown of 2008 caused Congress to enact the Dodd Frank Wall Street Reform and Consumer Protection Act that has now become known to have a direct impact public finance offers, including school treasurers. Issuers of municipal debt are now obligated to make annual information disclosures regarding outstanding debt issues that if not properly handled could cause unfavorable actions to be taken against the school district and its treasurer.
Dodd Frank also placed new regulatory requirements on municipal advisor, bond underwriters and bond attorneys that are important for school treasurers and their staffs to understand as the go forward with new debt issuances and the management of existing outstanding debt. A thorough explanation of the regulatory requirements and how they impact school treasurers will be addressed by this presentation as well as a discuss of best practices to remain in compliance with the regulations.
The objective of this presentation is to inform school treasurers and business officials about the new SEC regulations and provide updates that have occurred over the past 12 months, including how the to adhere to regulations in practice
The participants will gain an understanding of the regulations and how the new rules will impact school officials' activities surrounding the planning and issuance of municipal bonds. Participant will also be provided a list of best practices in debt management that comply with the new regulations including a discussion of GFOA and other best practices for the industry.
Mr. Sudsina, CEO of Sudsina & Associates, LLC, provides financial advisory and deal structuring services, plays an active role in the preparation of official statements for clients and regularly prepares issuers for credit rating presentations. His most critical role, however, is providing pricing and structuring oversight to ensure on-market pricing with the most flexible terms for clients' financings. He has served as financial advisor or lead banker to nearly 50 cities, counties, schools and special districts in Ohio and Pennsylvania. Overall, he has participated in more than 300 financings amounting to over $3 billion in par value.
Mike is one of only two Certified Independent Public Financial Advisors in the State of Ohio, a certification bestowed upon only highly qualified professionals by the National Association of Independent Public Financial Advisors (NAIPFA). He has published articles on the topic of municipal finance and lectured to numerous academic and professional organizations. He has served on the Debt Policy Committee of the Association of Public Treasurers of the U.S. and Canada, is a member of that organization of of the Government Finance Officers Association, the Cleveland Chapter of the Municipal Finance Officers Association, the Association of School Business Officials and Sudsina & Associates is a firm member of NAIPFA. Mike has served on NAIPFA's Board of Directors and currently serves as the organizations Treasurer.
Mr. Sudsina formed Sudsina & Associates in 2002, after 10 years with A.G. Edwards' Cleveland Public Finance group and as head of Fifth Third Securities Cleveland Public Finance practice. Prior to his investment banking career, he held positions with Price Waterhouse, the City of Cleveland's Finance and Economic Development Departments and the firm of Deloitte & Touche. He received his B.S. in Business Administration from The Ohio State University and MBA, with a concentration in finance, from Cleveland State University, holds a CPA certificate and has passed a variety of securities exams.
Mr. Szanto has over 40 years of experience in municipal and regional government and public finance. He has acted as Municipal Advisor or Senior Managing Investment Banker for hundreds of clients raising over $30 billion in tax-exempt obligations since 1981. Stephen is proactive in rating agency, rating agency surveillance and insurance company presentations for his clients. He has been involved with many rating agency upgrades. Stephen has served as Municipal Advisor since 2000 for all types of issuers. As such, he provides oversight on all aspects on both competitive and negotiated underwritings. Mr. Szanto is certified by and serves on various committees of the National Association of Municipal Advisors.
Mr. Van Wagnen provides analytical support for all clients including debt service structuring, actively assisting in the preparation of official statements and credit rating presentation and market research in advance of pricing and post-pricing.
Prior to joining Sudsina & Associates Greg worked in various roles at JP Morgan Chase. There he ran the technology aspect of their Wealth Management trading desk. He has also served as a risk management analyst for the JP Morgan Institutional Bond department where corporate client accounts ranged from $100 million to $12 billion. He has spent time in multiple equity research roles in Columbus and Chicago and in a more analytical role he researched trading slippage costs of different brokers. Between undergraduate and graduate school Greg worked as an accountant for JP Morgan Chase’s mortgage department.
Greg received a Bachelor of Science in Business Administration, Finance, and Economics from The Ohio State University and went on to attain a Master of Finance degree, also at OSU. He is continuing his education in the Chartered Financial Analyst program and is planning to sit for the MSRB’s Series 50 exam. Before attending college Greg worked at his family’s Cleveland based school bus and coach bus company running their payroll department and filling their general accounting needs. Greg has also has passed the new Series 50 Pilot Exam for Municipal Advisors.


text:
Watch she bengali movie online. all new adult movies, Watch she 2015 bengali movie online. all new adult movies online - the story of she based on an athlete who finds her love with a girl but a situation forced her to. Watch garma garam garam masala hindi movie online. all new, Watch garma garam garam masala 2015 hindi movie online. all new adult movies online - watch bollywood movie 'garma garam garam masala' online. hot & spicy mixture of. Watch full movie 18+ adult hollywood movie english, Title: full movie 18+ adult hollywood movie english subtitle youtube split37) added on: 2013-12-22 00:00:00 total views: 2,012,717. description: video details.
Watch full movie wanted (2008) online free | ffilms.org, Watch full movie wanted (2008) online free.a frustrated office worker learns that he is the son of a professional assassin, and that he shares his father's. Watch tarzan x (1994) online, tarzan x (1994) full movie, Watch movies online : jane and her friends are in africa. when jane gets lost in the woods and vanishes, she wakes up at the foot of the ape-man.. Watch movies online free - watch online full dvd sexy, Watch online full sexy movies. free adult movies online, hollywood sexy movies watch online. sexy hindi movies online free.
The perfect match trailer (2016) romance movie - youtube, The perfect match trailer - 2016 romantic love movie subscribe for more: http://www.youtube.com/subscription_center?add_user=newtrailersbuzz terrence j. Bollywood everyday - hindi online movies | bollywood movie, Bollywood news, bollywood gossip, bollywood everyday, bollywood movies, hindi movies, hindi cinema news, bollywood gossip, updates, masala news. 'korean movie' search - xvideos.com, Xvideos 'korean movie' search, free xvideos.com - the best free porn videos on internet, 100% free..


Democrats have a new candidate in Iowa House district 58, which will likely be targeted by both parties. Jessica Kean, who works for a non-profit organization in Maquoketa, will seek the nomination at a special convention next month. Previous Democratic candidate Peter Hird had been running for the seat since last October and was unopposed in the primary, but yesterday he announced plans to end his campaign for unspecified “personal reasons,” following “much deliberation.” The party’s new recruit Kean will be favored at the special convention, even if other Democrats enter the fray.
Among the most Democratic-leaning Iowa legislative seats currently held by a Republican, House district 58 is a must-win for Democrats to have any hope of regaining control of the lower chamber, where the party now holds 43 of the 100 seats. It became one of the top pickup opportunities when GOP State Representative Brian Moore decided not to seek re-election, joining more than half a dozen of his colleagues this cycle.
I assumed Moore would be a one-term wonder after his shocking, narrow victory in 2010. But his constituents re-elected him even as Barack Obama received 55.6 percent of the vote in House district 58 in 2012. Only residents of House district 91 in the Muscatine area gave a higher share of their votes to the president while electing a Republican to the Iowa House. According to the latest figures from the Iowa Secretary of State’s office, House district 58 contains 7,038 active registered Democrats, 5,236 Republicans, and 8,567 no-party voters.
The GOP candidate in House district 58 is former state lawmaker Andy McKean. He easily won a three-way primary with more than 62 percent of the vote. He served fourteen years in the Iowa House and ten in the Senate before retiring in 2002 to run successfully for Jones County supervisor.
Given McKean’s political experience and long career as an attorney in the Anamosa area, I am surprised he hasn’t raised more money for his House campaign. He reported $8,351.00 in contributions by mid-May, mostly from individuals, but spent almost all of that cash before the June primary. He raised another $5,115.00 in the next reporting period, of which $3,000 came from a PAC representing general contractors. As of July 14, McKean had just $4,594.23 cash on hand. House Republican leaders will probably need to spend part of Speaker Linda Upmeyer’s huge war chest defending this seat.
I enclose below background on both candidates and a map of the district, which covers all of Jackson County, much of Jones County, and two rural Dubuque County townships. Donald Trump carried Jackson County and most of the Jones County precincts in the February 1 precinct caucuses, while Marco Rubio carried the Dubuque County precincts. On the Democratic side, Hillary Clinton carried Jackson County; the Jones County precincts were a mixed bag, and the Dubuque precincts were a tie.
More voters in House district 58 live in Jackson County (Kean’s base) than in Jones County, where McKean has lived for decades. On the other hand, Kean is a first-time candidate, whereas McKean has been elected to the state legislature ten times.


text:
When a Patient Starts Stalking a Doctor
Psychiatrists at a Midwestern mental health clinic ordered a patient to be hospitalized because she was at acute risk to herself. After she was released, the woman embarked on a relentless years-long campaign of threatening phone calls and emails against the doctors and clinic.
"The threats of physical and sexual harm were intensifying," said a psychiatrist who asked not to be identified. "We contacted clinic security and police. They were supportive but neither could do much to help. Months will go by in between calls and then it starts up again. I estimate that we've had at least 600 calls over the past 5 years. She never really stopped."
"The experience really affects my whole outlook," he said. "I found a nail in my car tire and I immediately assumed the stalker did it. The patient wanted us to feel helpless and paranoid. She wanted to pull the strings instead of having doctors make decisions about her. The calls were her payback for the involuntary hospitalization."
Many physicians have reported more frightening examples, including death threats, a patient who made ugly scenes at a doctor's church, one who knew intensely personal details about the doctor's life, and others who've camped out by the doctor's house or the doctor's children's schools.
How Often Are Physicians Stalked?
There have been very few studies involving North American physicians and stalking. "The truth is, we don't really know what the prevalence is," said Ronald Schouten, MD, JD, director of the Law and Psychiatry Service at Massachusetts General Hospital and associate professor of psychiatry at Harvard Medical School.
"A meta-analysis in the Journal of the American Academy of Psychiatry and the Law in 2015 said that estimates ranged from the low single digits to more than 20%. Most of the studies were flawed. A lot depends on how stalking is defined. Repetitive and persistent attempts at unwanted communications and/or physical contact is a common definition. The cases in which I have been asked to consult involved repeated, unwanted communications by email/letter/phone/social media or physical presence intended to harass or intimidate."
"The word 'stalking' may be somewhat misleading," said Paul S. Appelbaum, MD, director of the Division of Law, Ethics and Psychiatry at Columbia University College of Physicians and Surgeons. "It suggests a physical approach such as tailing someone or lurking at the doctor's office. That's unusual. It's more common to be stalked at a distance, via phone or email. Sometimes stalkers go online and post angry messages or threats on doctor-rating websites, Facebook, etc."
Medscape Business of Medicine © 2017 WebMD, LLC
Any views expressed above are the author's own and do not necessarily reflect the views of WebMD or Medscape.
Cite this: Mark Crane. What If You Get Stalked by a Patient? - Medscape - Aug 02, 2017.

domain: news


text:
Member Spotlight: Adam Fisch
- What is your name?
Adam Fisch, MD, PhD
- What is your professional title?
Anatomic Pathology resident
- How did you decide to enter the field/What (or who) brought you into the field?
I have been fascinated by genetics and its impact on disease since my first genetics course in college, which was taught by an inspiring professor. I then dove into genome biology as it relates to medicine during my PhD in pharmacogenomics, during which I was mentored by a very encouraging principal investigator. With the desire to incorporate genomics as a large component of my clinical practice, and after discovering my interest in surgical pathology, the decision to pursue a career combining anatomic pathology with molecular genetic pathology was a straightforward one, and has been cultivated by supportive faculty throughout training.
- What do you do? How would you describe your role?
I am currently a chief resident in anatomic pathology, meaning my schedule is divided between rotations in surgical pathology, preparation for board exams, and research. As a senior in the program, my role also includes many teaching opportunities, including in small team situations with junior residents, as well as during planned teaching conferences in surgical and molecular pathology.
- What degree(s) and/or training did you receive to achieve your position?
Upon completion of the Medical Scientist Training Program at the University of Maryland School of Medicine School of Medicine, I received an MD and a PhD. After matriculating to and completing most of my anatomic pathology residency at Massachusetts General Hospital, I entered an intercalated, Harvard-wide fellowship in Molecular Genetic Pathology at Brigham and Women’s Hospital, and have now returned to complete my residency this academic year.
- What is the greatest challenge you face in your work?
My greatest challenge at this stage in my career is striking a balance between clinical duties, educational opportunities as a trainee, and research. While it has become easier to manage throughout training, it is a constant work-in-progress.
- What is the best part of your work as you see it? (most interesting, fun…)
The best part of my work is discovering, through integrated surgical pathology and molecular diagnostics, that a patient with cancer is a candidate for targeted therapy. Communicating with our clinical colleagues and seeing the results of our daily work majorly impacting patients’ prognoses is exciting every single time. Furthermore, getting to participate in the research that elucidates tumor biology with clinical implications is an incredible privilege.

domain: medical


text:
Are your teeth looking and feeling dull? Have you put off having a routine dental cleaning from a professional dental office? You’re in luck! Smile Center wants to offer YOU our affordable $39 Cleaning, Exam & X-ray* special!
With our $39 Cleaning, Exam & X-ray* Special you’ll receive;
- Thorough oral exam performed by our highly trained staff.
- Full mouth X-rays that will help with the planning of your treatment.
- Professional dental cleaning from our incredible hygiene staff.
You no longer have to skip going to the dentist office for fear of paying too much out of pocket, call today to take advantage of this incredible special. Your mouth will thank you and your wallet will, too!


text:
A Brief History of
4 months ago aebi Comments Off on A Brief History of
The Role of an Ophthalmologist An eye doctor is a doctor that concentrates on the wellness of eyes. They are usually educated as eye doctors or opticians. They are necessary physicians that can assist you with eye problems and various other clinical conditions. Apart from analyzing your eyes, they also give you with information regarding how to care for your eyes. Relying on the clinical problem, your doctor might prescribe glasses, contact lenses, or various other treatments. Additionally, they can refer you to other medical professionals if they assume it is essential. Ophthalmologists and also optometrists both collaborate with a selection of patients, yet they have a various function. Ophthalmologists deal with eye diseases, while lens concentrate on discovering the best fit for your eyes. In addition to eye exams, eye doctors and also optometrists can likewise perform surgical procedure. A surgery, such as cataract removal, can aid shield your vision. Various other procedures that are executed by eye doctors and also opticians consist of retinal surgical treatment and reduced vision rehabilitation. Eye doctors have a medical degree and a minimum of 3 years of hospital-based residency. Sometimes, they have one to 2 years of fellowship before they can exercise ophthalmology individually. Ophthalmologists need to be licensed by the state in which they practice. They can likewise be licensed via an accredited health care establishment. They can also be associated with research. In many cases, they show at colleges of optometry. Both ophthalmologists and also opticians use several examinations throughout an examination to figure out the wellness of your eyes. Several of the examinations used are tonometry, retinoscopy, and ophthalmoscopy. Each of these tests will be utilized to determine your visual skill, depth perception, and eye alignment. Typically, these tests call for using anesthetic drops to dilate your eyes. A thorough dilated eye examination is performed to examine the health of your eyes as well as identify any type of early signs of disease. The eye doctor will examine your eyes using a collection of lights. Additionally, they will analyze your eyes making use of a slit lamp to see the lens as well as iris. In addition, they might utilize a fluorescein dye to see the surface area of your eye. This color is utilized to identify any type of damaged cells that can influence your sight. During an eye examination, the medical professional will normally take a look at every one of the eye’s parts. They will after that examine the visual skill of your eyes, as well as might use a computerized refractor to make dimensions of your eyes. In addition, the physician will evaluate your field of vision, and also she or he will certainly go over the dangers of eye condition and also preventative procedures you can require to keep your eyes healthy. The patient might also be offered a card with letters on it, which can be made use of to evaluate near vision. A comprehensive dilated eye evaluation will certainly consist of ophthalmoscopy to examine the back of your eye, the retina. This will permit the physician to see the optic disk as well as capillary. A retina specialist can likewise assist identify a variety of eye conditions, consisting of glaucoma, retinal degeneration, and also retinal vascular leaks in the structure.
6 Facts About Everyone Thinks Are True


What Better Devils rolls have you got? Share! I currently have Outlaw/Kill Clip/Crossfire/Flared Magwell with a Range Masterwork and Rangefinder/Kill Clip/Sureshot/Accurized Rounds with Stability.
I got one with sureshot, drop mag, snapshot sights, delayed explosion, range masterwork.
I just got firefly, explosive rounds and outlaw with arc burn. Oh wait...no, no...I’m thinking of something else...


text:
Gold has been used as a safe-haven asset for countless years. It doesn't wear away or stain, and also it's difficult to imitation. This is one reason that it's a wonderful alternative for retired life preparation. While it's still less than half of 1980's high of $1,800 per ounce, gold rates have gotten on an upward trend.
Individual retirement accounts are subject to obligatory contribution restrictions. The payment limit for an person is $6,000 per year as well as $7,000 for those over age 50. If you remain in the middle of retired life, it's possible to benefit from the increased contribution limits. However don't neglect to keep in mind that IRAs have an chance cost.
Tax-deferred or tax-free account
When choosing in between a 401k gold IRA tax-deferred and also tax-free account, there are a number of elements to think about. Many 401k retirement plans permit individual retirement account rollovers, however requirements and also eligibility will differ. Contact your plan manager for details.
A gold IRA is a self-directed account in which you spend your very own money in gold. You are needed to follow IRS rules when purchasing these accounts, so be sure to recognize the regulations. Nevertheless, you can benefit from a tax-preferred therapy for gold by adding it to a Roth IRA. Generally, the payment limitation is the same as for standard Individual retirement accounts.
You can add money, check or wire transfers to your Gold IRA. You can additionally utilize your existing financial investments to acquire the rare-earth elements. The maximum contribution amount varies each year, yet the present contribution limit is $6,000 a year for individuals who are 50 and also older. You can also rollover previously-held assets into your Gold individual retirement account.
You can rollover your existing 401( k) account to a gold IRA. Unless you more than the age of 59.5, you should pay tax obligations on your withdrawal. However, if you're older, you can transfer your account to a self-directed individual retirement account to get even more investment alternatives.
A gold individual retirement account is similar to a pension, yet enables you to manage your investment as well as the amount you withdraw. You can buy physical gold or other steels that are accepted by the IRS. Your recipients will receive quarterly statements, as well as online balance checks.
You can likewise purchase gold making use of a Roth IRA. Although the contributions to a Roth IRA are not tax obligation deductible, the resources gains that accrue in your account grow tax-free after five years. This enables you to take out money tax-free and stay clear of a high tax brace.
There are specific guidelines as well as guidelines relating to rollovers. Usually, you can surrender an account just once in any kind of rolling 12-month duration. There is one exception to this regulation, though, which is employer-sponsored retirement plans. In these situations, you may need to transfer the whole equilibrium to one more individual retirement account every 60 days.
To surrender a 401k, you should call your company to inquire about the procedure. Alternatively, you can see the web site of a gold IRA to locate the specific demands. The account custodian will certainly have a listing of contacts. Depending on the conditions, you might have the ability to pick one who has the appropriate qualifications to take care of the process.
In addition, you have to know what sort of 401k gold individual retirement account you have. A gold IRA is a excellent alternative for protecting your retirement savings from market variations. If you do not such as the idea of spending every one of your financial savings in stocks, you can open a gold IRA account with the help of a monetary adviser. They can suggest the best gold IRA firms to help you satisfy your retirement goals.
To make the procedure easier, you can select in between a direct and indirect rollover. Direct rollovers transfer the money directly from the 401K to the new individual retirement account, while indirect rollovers transfer the money indirectly. Nonetheless, the last alternative requires you to withdraw the 401K funds first before transferring them to the gold individual retirement account.
Once you have actually discovered a gold individual retirement account custodian, you'll require to provide a copy of your former 401k plan and also any other papers that will certainly assist the custodian finish the transfer. If everything goes well, you'll be able to start the transfer of your funds from the old 401k to the brand-new gold individual retirement account.
Precious metals vs numismatic coins
There are a couple of important differences between precious metals as well as numismatic coins that you must recognize when you established an individual retirement account Unlike typical IRAs, which are held by banks or brokerage firm firms, self-directed gold IRAs allow you make your own financial investment decisions. While you can acquire coins from several sources, you should stick with licensed coins that satisfy the IRS's criteria. You'll also have the ability to pick which steels are eligible to keep in your account.
Precious metals can be categorized right into 2 classifications, bullion and numismatic coins. Numismatic coins are rare or customized coins that have worth over their thaw worth. These coins can have a premium of up to 200 percent over area price. Nevertheless, these coins can be difficult to worth objectively, since the marketplace for rare or unique coins is not liquid.
Numismatic coins can be useful as financial investments in 401k gold Individual retirement accounts. These collectible coins are usually taken into consideration to be investment pieces, and some investors are trying to gain additional money by purchasing them. They think they can market them for a price more than the coin's value. Nevertheless, this is not suggested due to the fact that the tax obligation code clearly states that you can't include collectables in your pension. Additionally, you may end up paying tax obligations on the coins you purchase with the cash in your 401k gold ira.
Prior to determining to include rare-earth elements or numismatic coins to your profile, you ought to get in touch with a monetary expert. Financial coordinators typically recommend putting 10% or much less of your financial investment resources into precious metals. Nonetheless, you might want to invest a larger section of your money if you believe rare-earth elements are the most effective financial investment alternative. You must additionally consider your danger resistance and rising cost of living expectations.
401k gold individual retirement account vs self-directed IRA.
The primary distinction between a self-directed individual retirement account and also a traditional individual retirement account is the method for moneying it. A conventional IRA is funded on a tax-deferred basis, meaning the financier just pays tax obligations on the withdrawals made throughout retired life. A Roth IRA, on the other hand, is funded with after-tax money and also uses no tax benefit in the short term. IRAs are available for both independent individuals as well as small-business proprietors.

domain: economics


By Tom Frantz
Sometimes you just have to laugh when you read about San Joaquin Valley Air Pollution Control District (the Air District) attempts to pass the blame for our air pollution onto sources outside their control.
A one-hour ozone violation in Fresno during the summer of 2012 forced a fourth consecutive post-deadline violation of the original Clean Air Act ozone standard of 1991. The net result of that violation is owners of cars and light trucks in the San Joaquin Valley have to pay at least one more year of a $30 million fine to the district for extra pollution cleanup programs.
The Air District has already claimed that the Fresno violation was not the fault of Valley-based pollution but rather was an exceptional event due to a fire at a refinery in Richmond a few days earlier. The Environmental Protection Agency (EPA) will probably not approve that claim because the argument is weak. So now the Air District is saying the violation was due to ozone pollution drifting into the area from China.
There is some evidence that ozone from China is blowing over the Pacific and entering the western United States. The levels of ozone measured near Fort Bragg in Mendocino County and near Big Sur in Monterey County have been at their highest during the winter and spring months. This is obviously not when we have our worst ozone episodes. Some of this ozone is also moving over the Central Valley but at high altitudes. It is rarely, if at all, affecting the ground-level ozone levels that are destroying lung tissue all summer long.
The Air District has tried unsuccessfully to correlate measurements from Big Sur with ozone levels in Fresno and Kern counties during the summer. Correlation coefficients have been highly variable but generally low. Any correlation is almost certainly due to random chance and other factors not being measured. But, the fact they have found a slightly positive correlation has been latched onto as gospel by the Air District. They have now stated publicly there is strong evidence showing that the one-hour ozone violation in Fresno was likely due to ozone from China.
To try and prove a stronger correlation, the Air District is authorizing about $100,000 for the ozone monitor near Big Sur to run for two more summers. They are hoping for a miracle of statistical coincidence that would allow them to publicly claim that once and for all, the ozone problem in the San Joaquin Valley is not the fault of local polluters. They will then tell the EPA to go stuff themselves with the Clean Air Act.
Meanwhile, let’s look at the farce of Emission Reduction Credits, which allow big new sources of pollution in the Valley to be mitigated by reductions that took place many years ago. There are no restrictions on new sources of pollution as long as the owner of the new source has enough money to buy emission credits from the oil companies who hold the vast majority of them.
New major pollution sources in the Valley have to be mitigated by reductions elsewhere, according to the Clean Air Act. But, it seems that every time the oil companies shut down an old piece of equipment they are given credits for the amount of pollution they have reduced. For example, ancient steam boilers are routinely dismantled because they wear out and are inefficient.
This often involves equipment that was never permitted in the first place, so the original pollution was never mitigated. But these pollution credits allow the same company to build new polluting boilers without real-time mitigation. The net result is old, unregulated pollution sources are grandfathered into the lungs of Valley residents forever.
Sometimes the oil companies sell their credits to other new polluters in the Valley such as glass factories or power plants. They can make quite a bit of money doing this because they never paid for these credits in the first place.
What was really surprising to some last year was when an oil company asked the Air District for permission to sell some of its credits outside the Valley to a new power plant proposed in Palmdale. The people of Palmdale came to the Valley and begged the Air District not to do this. They didn’t want this new source of pollution in their area. But the Air District catered to its friends in the oil industry and allowed the sale to take place.
Like I said, you just have to laugh to keep from crying sometimes.
Longtime clean air advocate Tom Frantz is a retired math teacher and Kern County almond farmer. A founding member of the Central Valley Air Quality Coalition, he serves on the CVAQ steering committee and as president of the Association of Irritated Residents. CVAQ is a partnership of more than 70 community, medical, public health, environmental and environmental justice organizations representing thousands of residents in the San Joaquin Valley unified in their commitment to improve the health of Californians. For more information, visit www.calcleanair.org.


text:
tool rental roswell ga photo gallery 1.
mechanical clock design mechanical clock 6 steampunk by steampunk the first museum exhibition of steampunk art simple mechanical clock design mechanical clock movement design.
corner medicine cabinet lowes corner medicine cabinet with lights.
/ home improvement
aluminum shutters price company details.
square ottomans large storage ottoman.
how to repair a leaking delta bathroom faucet bathroom faucets leaky delta bathroom faucet how to repair a leaking two handle replace bathtub fix leaking delta bathroom faucet repair leaking delta sho.
blood pressure monitor digital digital wrist blood pressure monitor digital wrist blood pressure monitor lazada omron digital blood pressure monitor hem 712c user manual.
pressure wave pwh2500 parts temperature controller user manual pwh2500 parts pressure wave pwh3635 price.
stand up dustpan plastic dustpan and brush long handled sweeping set stand up design mclane stand up dustpan stand up dustpan and brush.
homemade grow box ideas build.

domain: design