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Guide to the Theodore Low De Vinne Papers, 1857-1931
Theodore Low De Vinne Papers, 1857-1931
13 linear feet (13 boxes)
This collection consists of correspondence and legal documents regarding De Vinne’s early business partnership with Francis Hart, as well as De Vinne’s personal memorabilia and books.
Collection is open for research use. Copyright restrictions may apply; please contact repository for requests for copying and for authorization to publish, quote, or reproduce the materials.
[Description and date of item], [Box/folder number], Theodore Low De Vinne Papers, 1857-1931, The Grolier Club of New York.
About the Finding Aid:
This finding aid was prepared by Club member Irene Tichenor in Microsoft Word at the Grolier Club in February, 2010, with revisions by Club archivists Rachel Greer in July, 2014 and Allison Hughes in November, 2017.
This collection was donated to Choate Rosemary Hall in 1975 by Charles DeVinne (Choate 1943) and Theodore DeVinne (Choate 1948), grandsons of Theodore Low De Vinne. Jane De Vinne, Charles’ wife, was Rosemary Hall Alumnae Director at the time of the gift. In 1986, the Grolier Club received The Theodore Low De Vinne Memorabilia Collection, 1850-1914, from the De Vinne family. This prompted discussions with Choate Rosemary Hall about consolidating the De Vinne collection at the Grolier Club. In 2010, through the intercession of De Vinne biographer and Grolier Club member Irene Tichenor, Choate Rosemary Hall and the Grolier Club agreed that the collection, in its entirety, should reside with the Grolier Club. The collection was formally transferred as a Gift of the Andrew Mellon Library, Choate Rosemary Hall School (Wallingford, CT), in February 2010.
De Vinne, Theodore Low, 1828-1914.
Hart, Francis, 1815-1877.
De Vinne Press.
Printing industry--New York (State)--New York--19th century.
Printing industry--New York (State)--New York--20th century.
Printers--New York (State)--New York--19th century.
Printers--New York (State)--New York--20th century.
Theodore Low De Vinne (1828-1914) was apprenticed to the printer's trade in Newburgh, NY and came to New York City in 1848, where he eventually became a partner in the shop of Francis Hart. Upon Hart’s death in 1877, De Vinne became owner of the business, which eventually became known as the De Vinne Press. He was recognized as a master printer and developed a comprehensive knowledge of the history of typography, which he distilled in several publications. He was a founder and president (1904-1906) of the Grolier Club and printed most of its early publications. He was one of the original honorary members of the Elizabethan Club at Yale. Active in the affairs on printer's organizations, De Vinne was also a founder of the Typothet’ of New York City and of the United Typothet' of America, working in these organizations to make printing a profitable craft and to establish good relations between owners and employees.
Scope and Content Note:
This collection includes fifty-five letters and legal documents from De Vinne, Francis Hart, and others regarding De Vinne’s early business partnership with Hart, the dissolution of Hart's estate (ca. 1877-1881) and De Vinne’s assumption of full proprietorship of the press, and other business matters. The bulk (36 items) dated between ca. 1857 to 1893, the remainder (19 items) from 1902 to 1931. The collection also includes memorabilia, including: a black graduation hood (perhaps from De Vinne’s Columbia University honorary degree), 11 commemorative medals related to printing and New York City history (ca. 1890s), and four photographs. Also part of the donation were books on printing, book history, and other topics from De Vinne’s personal library or from the collection of the De Vinne Press. Most of the books are cataloged separately.
The archival documents in this collection are arranged chronologically. Artifacts are housed separately from documents. Books have been removed from the collection and catalogued separately, but are listed here as well.
Collection Inventory (Prepared by Irene Tichenor July 2010)
[Note: Theodore Low De Vinne abbreviated TLD throughout.]
Box 1: Correspondence and Other Documents
1. Holograph, 20 p. Letter from TLD to Francis Hart, outlining his length and type of service and salaries received. Proposes a more formal association. (1857?)
2. Legal document of general release from J. M. Kronheim to Francis Hart and Company, Sept. 28, 1857. 1 p.
3. Holograph, 4 p. Legal document of 17 articles establishing the co-partnership of Hart and TLD as Francis Hart & Co., Jan. 1, 1858.
4. Legal bill of sale of Packing Box Manufactory and equipment to TLD, May 8, 1862.
5. Holograph, 8 p. Legal articles (9) of co-partnership between J. M. Kronheim and James Robertson, May 10, 1866. Legal dissolution, Nov. 19, 1866.
6. Holograph, 5 p. Bill of sale of stock and plant of printing office of J. M. Kronheim to Francis Hart, Nov. 19, 1866.
7. Holograph, 8 p. Legal document: agreement between J. M. Kronheim and Francis Hart and TLD (F. Hart & Co.) for sale of Kronheim’s process for preparing metal plates for printing pictures and other designs in colors, Nov. 1886. Agreement cancelled by mutual consent, Sept. 28, 1867.
8. Holograph, 1 p. Letter to TLD regarding mortgage on Jersey City property purchased by TLD, Jan. 10, [1872 or 1874?].
9. Holograph, 1 p. Statement of interest for Francis Hart and TLD from 1858 through June 1872, July 1872.
10. Holograph, 4 p. Letter from TLD reporting on current business. Protests Hart’s entry (without TLD’s knowledge) of an interest item of $5,000 in the ledger, Sept. 22, 1872.
11. Holograph, 4 p. Letter from TLD to Francis Hart reporting on current business affairs, Sept. 29, 1872.
12. Holograph, 3 p. Letter from TLD to Francis Hart refusing his proposal to resolve their financial differences, Sept. 29, 1872.
13. Holograph, 14 p. TLD’s summary of the differences of opinion between TLD and Francis Hart regarding their financial investment in the plant, Oct. 27, 1872.
14. Holograph, 20 p. TLD’s version of the differences of opinion between TLD and Francis Hart regarding their financial investment in the company, 1872.
15. Holograph, 41 p. TLD’s version of the differences of opinion between TLD and Francis Hart regarding their financial investment in the company, 1872.
16. Holograph, 6 p. Letter from TLD to Francis Hart concerning their differing opinions regarding their financial agreements, Oct. 27, 1872.
Holograph, 4 p. Memo, or part of another letter, written to Francis Hart about their financial differences.
17. Holograph, 10 p. Letter from TLD to Francis Hart stating his views regarding their financial differences; refers to articles in co-partnership agreement, Nov. 20, 1872.
18. Holograph, 1 p. Memo from Mr. Hart regarding financial aspects of the co-partnership, Sept. 29, 1873.
19. Holograph, 4 p. Series of questions (probably by TLD) regarding financial aspects of the co-partnership.
20. Holograph, 5 p. Legal opinion from George Wingate on questions pertaining to financial responsibilities of TLD in the co-partnership agreement of Hart and TLD, Oct. 1, 1873.
21. Holograph, 11 p. Legal document: agreement of co-partnership between TLD and Francis Hart, 15 articles in the agreement; the resulting company was to be known as Francis Hart and Company, Jan. 1, 1874.
22. Holograph, 15 p. Memorandum prepared by TLD for Surrogate Court concerning the accounting of the estate of Francis Hart.
23. Holograph, 4 p. Memo concerning the assessment of $5,000 on the estate of Francis Hart.
24. Holograph, 6 p. Legal document: agreement between TLD and the executors of the Estate of Francis Hart; six articles of agreement, setting forth terms by which TLD, the surviving partner of Francis Hart & Co. will assume control of the entire company, Nov. 7, 1877.
25. May 10, 1879. (a) Legal document: mortgage between Theodore L. and Grace De Vinne and Thomas Hart, Almira Hart and Robert Brown, Executors of the Estate of Francis Hart; mortgage was duly discharged on April 3, 1883.
(b) Legal document: bond for $6,000 given by TLD to the executors of the estate of Francis Hart; bond was duly discharged on April 2, 1883.
26. Will of Alice Deall, 1880. Invalid because it was superseded by a 1909 will.
27. April 9, 1880. (a) Legal document: bond given by TLD, David Bruce and Sheldon Collins to the executors of the estate of Francis Hart for $40,000; names of David Bruce and Sheldon Collins were removed on Dec. 6, 1882.
(b) Legal document: agreement between TLD and the Executors of the Estate of Francis Hart that when the provisions of the will of Francis Hart are met, title to all interests of Francis Hart will go to Theodore L. De Vine.
28. Memorandum of agreement between Thomas Rianhard and TLD, Thomas Hart, Robert Brown and Almira Hart as executors of the last will and testament of Francis Hart made in Nov. 1878; agreement dealt with type and other personal property of the McKillop and Sprague Company which was in the possession of the executors, Jan. 28, 1881.
29. Holograph, 1 p. Paper of conveyance of one twenty-fifth part of the profits from the printing business to TLD’s son, Theodore Brockbank De Vinne, Feb. 1, 1882.
30. Holograph, 2 p. Co-partnership agreement between TLD and Theodore Brockbank De Vinne, Jan. 1, 1883.
31. Legal document: satisfaction of mortgage from Robert Brown, executor of Francis Hart estate, April 2, 1883.
32. Legal document: statement of release by executors of the Francis Hart Estate to TLD, March 31, 1884.
33. Holograph, 2 p. Memorandum by TLD on an undesignated sale of a business, undated.
34. Agreement of sale of the property accounts and assets of the New York Typesetting Company to TLD, July 21, 1892.
35. Legal document: certified copy of final settlement of the estate of Daniel De Vinne by TLD, executor, April 8, 1893.
36. Legal document: certified copy of final settlement of the estate of Joanna Augusta De Vinne by TLD, executor, April 8, 1893.
37. American Type Founders Company stock receipts from TLD, nos. 247, 261, 161, 431, and 435, March-April 1902.
38. Certificates of deposit, April 30, 1909; 100 shares of Knollwood Cemetery #76; 670 gold bonds of Knollwood Cemetery #98 ($500); and 670 Gold Bonds of Knollwood Cemetery #99 ($500).
39. Bulletin of the United Typothetae and Franklin Clubs of America, Vol. 7, No. 9, March 1914, announcing death of TLD (approx. 4x10”, printed both sides).
40. Accountant’s report, 5 p., on TLD’s interest in the De Vinne Press, July 25, 1914 [TLD died Feb. 16, 1914].
41. Notice to shareholders and bondholders of Knollwood Cemetery re reasons for the delay of the re-organization plan, July 16, 1915.
42. Receipt for 153 stock certificates of American Type Founders Company for transfer and waiver from Theodore B. De Vinne, executor for TLD, Oct. 18, 1915.
43. Legal agreement, 3 p., between Theodore B. De Vinne and James W. Bothwell transferring 100 shares of stock of De Vinne Press to William J. Eakins, a faithful employee, Dec. 17, 1916.
44. Memorandum of agreement, 2 p., of Theodore B. De Vinne to transfer 1084 shares of De Vinne Press stock he owned to the Press, Jan. 27, 1919.
45. Catalog of the library of TLD, sale no. 1455, to take place Jan. 12-16, 1920 at Anderson Galleries, Jan. 5, 1920.
46. Legal document, 9 p.: agreement of sale of the De Vinne Press by James W. Bothwell to Martin B. Brown Printing and Binding Company, March 5, 1923.
47. Agreement as in #46, but carbon of typed version.
48. Another copy of #46.
49. Another copy of #46.
50. Legal document, 5 p.: agreement by the stockholders of the De Vinne Press authorizing James Bothwell, President, to transfer all shares of stock o the Martin B. Brown Printing and Binding Company, March 7, 1923 (2 copies).
51. Another copy of #50.
52. Sworn statement, 2 p., by James W. Bothwell, President of De Vinne Press, certifying that due notice was transmitted to the Treasury Department on Feb. 26, 1922, concerning the transfer of the corporate stock of De Vinne Press to the Martin B. Brown Printing and Binding Company, May 3, 1924.
53. (a) Sworn statement attesting to appearance of notice regarding outstanding claims against the estate of Theodore B. De Vinne in The Morning Telegraph. May 14, 1927.
(b) Same in The New York Law Journal.
54. Holograph, 1 p. Letter to T. B. De Vinne from James W. Bothwell saying he cannot take up at this time the two notes TBD holds ($500 each) but enclosing interest for them, March 16, 1927.
55. Legal document, 32 p.: Supreme Court, Westchester County. Charles D. De Vinne, plaintiff, against Arlington Lee Cook, Anna Holmes Cook, Albert A. Sichel, New York Telephone Co., defendants. Motion to strike out answer and for judgment. Alfred E. Ommen, Attorney for plaintiff. 1931.
Box 2: Artifacts, etc.
- Hood [from TLD’s honorary degree from Columbia University?]
- Metal etching plate, TLD in beret [probably the plate for Thomas Johnson’s etching]
- Commemorative [lithograph?] of bust of TLD, sepia-colored, ersatz signature: “Yours cordially, Theo L. De Vinne”, matted, 10 copies
- Memorial to Edwin Eugene De Vinne (b. Feb. 7, 1831; d. Mar 6 1875) [brother of TLD] & sermon preached by Rev. Oscar Gesner, March 9, 1875. 17 p.
Black leather case containing following:
- Three glass transparencies, approx. 5x7”, [re Cleveland, Ohio?], including some notes about making copies
- Medal: “New York, U.T.A.” likenesses of TLD & Franklin? From UTA 1907 Niagara Falls convention; in Tiffany case
- Medal: Gutenberg likeness one side & common press on other, note from Samuel P. Avery indicating it is a birthday present (Dec 25) to TLD
- Medal: TLD in beret surrounded by” United Typothetae of America”; verso is decorated with blank for engraving, which in this case is “Theo. L. De Vinne First President”; in case
- Medal with likeness of Samuel P. Avery, 1897; case says “Copy of the Gold Medal Presented to S. P. Avery, Mar. 17th 1897 by his friends”; in round case
- Metal case (silver?; size of cigarette case) engraved “TLD” and in lower left “From F. A. W.” [or T. A. W?]
- Medal: “A la Science” and on other side “Dux et Lux”(?) w/allegorical figures
- Victor Brenner medal from 1902 Franklin Birthday Dinner celebrating TLD’s honorary degrees, “And the light came”
- Two-part pin: “Committee” on top, “28th annual convention U T and F C of A” on bottom part
- Medal: “Bonaparte ...”
- Medal: female figure holding globe; wreath around perimeter of verso
- Medal: gold colored: TLD in beret Typothetae of the City of New York, 1914 [on occasion of his death?]; verso has crest
- Medal: Hispanic Society of America
- Medal: Robert Fulton/Henry Hudson
Box 3: Artifacts, etc.
- Black metal box printed “Estate of Theo. L. De Vinne” approx. 13 x 10 x 24”
art mad in November, 1878.Hart mamade
Boxes 4-13: Books (most also cataloged separately)
Baensch-Druguelin, Johannes, ed. Mark Steine aus der Weltlitteratur den Originalschriften, Leipzig 1902 auf Bestellung von Theodore Low De Vinne.
Bible. New York: American Bible Society, 1879. [Inscription from Daniel De Vinne to Theodore B. De Vinne & Lillian, Mar 9, 1882]
Book of Picture Alphabets. London: T. Nelson & Sons, [ca. 1890s?].
Century Magazine, May-Oct 1917.
D’Épinay, Madame. Courtiers and favourites of royalty: memoirs of the court of France… [3 vols.] Paris: Société des Bibliophiles; N: Merrill & Baker, 1903.
[De Vinne, Joanna Augusta.] A Memorial of Joanna Augusta De Vinne... New York: Printed for family friends only, June 1888. [Joanna Augusta De Vinne was mother of TLD]
De Vinne, Theodore Low. Practice of typography: correct composition... New York: Century Co., 1901. [Ink at top of t.p.: “Proof Copy Not Published”; no corrections or edits are apparent, but t.p. of the published version, which is pasted in, varies from the one on this “proof copy”]
__________________. Practice of typography: modern methods of book composition... New York: Century Co., 1904.
__________________. Notable printers of Italy during the fifteenth century. New York: De Vinne Press, 1910.
__________________. Practice of typography: correct composition... New York: Oswald Pub Co., 1916.
__________________. [Two photo scrap books, spine labels: “Naples” and “Rome”]
__________________. [Two photo scrapbooks with De Vinne bookplates, spine titles: “Syria” and “Egypt”]
Dwiggins, W.A. Towards a reform of the paper currency: particularly in point of its design. New York: Limited Editions Club, 1932. [Text and specimens furnished by Dwiggins, issued for 452 subscribers; this is copy no. 48, signed by Dwiggins; in slipcase]
Field, Eugene. The mouse and the moonbeam. New York: Scribner, 1919. [250 copies printed in the shop of William Edwin Rudge, New York City, for his friends Christmas 1919]
Fischbach, Friedrich, ed. Ornamente der Gewebe. [Germany?: s.n., 1890s?] [Folio; 160 color plates]
Goebel, Theodor. Die Graphischen Kunste der Gegenwart. Stuttgart: Felix Krais-VErlag, 1902.
Goudy, Frederick W. The story of the Village Type. New York: Press of the Woolly Whale, 1933.
Grolier Club. Transactions of the Grolier Club, Part 3. New York: Grolier Club, 1899.
The graphic arts and crafts year book, 1908. Hamilton, Ohio: Republican Publishing Co., 1908.
[House of Refuge.] Documents relative to the House of Refuge, instituted by The Society for the Reformation of Juvenile Delinquents in the City of New-York in 1824... New York: Printed by Mahlon Day, 1832.
Jones, Owen. The Grammar of ornament. London: Day and Son, 1856.
McMurtrie, Douglas C. Modern typography & layout. Chicago: Eyncourt Press, 1929.
Mergenthaler Linotype Co. The manual of Linotype typography… Brooklyn: Mergenthaler Linotype Co., 1923.
Mergenthaler Linotype Co. Peter Piper’s practical principles of plain and perfect pronunciation. Brooklyn: Mergenthaler, 1936. [Designed by Bruce Rogers]
Oesterreichisches Museum für angewandte Kunst. Die Initialen der Renaissance nach den Constructionen von A. Dürer herausgegeben von C. Sitte ... unter Mitwirkung von J. Salb. Wien, 1882.
Peters, Harry T. Currier & Ives, Printmakers to the American people. Garden City: Doubleday, Doran & Co., 1942.
Racinet, M.A. L’ornament polychrome... [2 vols.] Paris: Firmin-Didot, 1888. [With TLD’s bookplate]
Rand, McNally & Co., indexed atlas of the world. Chicago: Rand McNally, 1887. [Inscription of McNally to TLD, with TLD’s bookplate]
Redfield-Kendrick-O’Dell Company. An exhibit of Garamond types with ornaments… New York: The Firm, 1927.
Schuyler Van Rensselaer, Mrs. English cathedrals [vol. 1 only]. New York: Century Co., 1892. [With TLD’s bookplate; “Office Copy” stamped on t.p.)
The Scribner-Black atlas of the world. New York: Scribner, 1890. [With TLD’s bookplate]
Silvestre, J.B., Frederic Madden, trans. Universal paleography… [2 vols.] London: Henry G. Bohn, 1850.
Smith, J. Gordon. Monograms in three and four letters suitable for engraving… London: Thomas C. Jack, [ca. 1890s].


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#PLHistory #premierleaguestories #PL #PremierLeague – #MikeWalker wins manager of the month award for October 1993
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|Matches Played||Matches Won||Matches Drawn||Matches Lost|

domain: news


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Credit that Midwestern congeniality. Or maybe there’s something in the water in the land of 1000 lakes. But whatever’s going on in Minnesota’s Twin Cities of Minneapolis and St. Paul, it’s producing a culture of collaboration that is fighting the foreclosure crisis, by banding together community-based organizations, philanthropies, nonprofits, and local government agencies in ways only seen on smaller scales around the country.
The results are wide-ranging. Foreclosures in the area that spans across two counties — Minneapolis in Hennepin County and St. Paul in Ramsey County — were spread over a large area. So rather than attack the whole problem, neighborhoods were segmented strategically into smaller pieces — a “cluster approach” — as a means of neighborhood recovery, infusing capital to produce visible, immediate change on the ground.
In North Minneapolis, where neighborhoods already had a large inventory of vacant and abandoned housing and crime, drugs, and prostitution took their toll, the Hawthorne EcoVillage, developed using sustainable green building and landscaping, helped to transform a four-block neighborhood there. “Sometimes, a problems is so big that you don’t know where to start,” says Thomas Streitz, Minneapolis’ housing policy and development director.
So you start small, but you get everyone involved.
- For instance, EcoVillage, a demonstration project in north Minneapolis received about $500,000 from the Home Depot Foundation, the National Tree Trust has a nursery there, and is a product of discussions born out of the Northside Home Fund. A project of the Northside Partnership, NHF is composed of representatives from neighborhood organizations, nonprofit housing and homeownership organizations, governmental and enforcement agencies, community development organizations, private housing developers, and financial institutions.
- In Cottage Park, a residential development in Minneapolis’ Northside, the city teamed up with the neighborhood and the Pohlad Family Foundation (the Pohlad family is the sole owner of the Minnesota Twins) to help support this area, which was in economic decline for years. With the help of $2.5 million from the foundation, the Jordan Area Community Council, and the Minnesota-based nonprofit Tree Trust, the Jordan Area Community Garden, which is at the heart of Cottage Park and in many ways defines the area, has enjoyed a nascent renaissance.
- There is the city’s Minneapolis Advantage program, bringing people back on the blocks in areas challenged by foreclosure by offering $10,000 loans to help potential buyers purchase a home. The money can be used to pay for closing costs, down payment, or small repairs to the home. When the Federal Home Loan Bank of Des Moines got wind of the program, it wasn’t long before the city announced that the bank and Wells Fargo would make available $1.5 million in new funding to help homeowners in more than 20 neighborhoods.
- You have the Home Prosperity Fund, a program of the Family Housing Fund that was established two years ago to revitalize neighborhoods and increase housing opportunities for families throughout the Twin Cities area. The McKnight Foundation, a major philanthropic presence in the Twin Cities, recently gave $10 million — $5 million to the Family Housing Fund and $5 million to the Greater Minnesota Housing Fund — to help communities hit hard by foreclosures. There’s the Strategic Acquisition Fund, which started as a $10 million loan from the Greater Metropolitan Housing Corporation to buy, develop, and resell foreclosed homes, directly competing with outside investors engaging in mortgage fraud and home “flipping.”
- The Twin Cities Community Land Bank, seeking an alternative approach, devised a program to buy properties in mortgage foreclosure, not tax forfeiture, formed a nonprofit LLC, and, as of October 2009, raised or received commitments of $30 million (it was formed five months earlier). They are making roughly $2 million of loans to NSP 1 developers (who receive a $25,000-per-unit subsidy); they’ve rolled out an $8 million program for developers who want to do neighborhood recovery, replete with green standards.
The list goes on and on, but the robust collaborative system, even in the midst of this economic climate, is the result of an existing network of partnerships between CDCs, CBOs, local governments, and foundations, that functions even when times aren’t so great. In fact, Streitz says, it’s during the tough times that this web is at its most influential and essential. “We have targeted our funds in a very strategic way,” he said, outlining a “cluster approach” to neighborhood recovery.
By all accounts, this is the necessary response, and these types of efforts were essential in maintaining the stability of a still shaky region of nearly 3 million people. The foreclosures here in the last 18 months alone have surpassed and rendered minute any of the vacant property or neighborhood blight challenges in the past two decades. Starting in the 1980s, when places like Cleveland, Detroit, and Chicago were suffering from depressed economies, the Twin Cities experienced fairly significant levels of divestment, but it wasn’t to the level of other parts of the upper Midwest.
That all changed, however, with the Great Recession. Progress suddenly came to an abrupt halt, according to Andriana Abariotes, the executive director of the Twin Cities Local Initiatives Support Corp. (LISC). “We were a strong market city, especially in more challenging neighborhoods that were older and closer to the core — places where LISC was working. We were seeing rebirth of these neighborhoods,” she said.
“Then we saw it begin to slide off the cliff.”
Part of the story of the Minneapolis’ Northside and the east side of St. Paul was that they were the last affordable places of value near the central core where people could still enter the housing market. But the easy availability of subprime loans and exotic mortgage products and the competition for homes by outside investors drove home prices way up without strengthening these fragile neighborhoods. Just over a decade ago, Abariotes said, property values ranged from $75,000 to $90,000. Two years ago, that level increased to roughly $170,000. Today, properties are going on auction at about $12,000 to $25,000. “It was like a flood. It happened that fast: almost overnight,” she said.
Two-thirds of all foreclosures in Minnesota occur in metropolitan areas and in the Northside, 60 percent of the foreclosed homes were investor owned, Abariotes says, painting a picture that could be transposed on so many neighborhood canvasses around the country: “People bought the homes to flip or to rent; they saw late night infomercials; they used subprime; they couldn’t refinance anything; they had exploding ARMs.” There were blocks with five to 10 vacant properties and, on average, a property only had to sit vacant for about 10 days before the copper was stripped. In the winter, it would take the same amount of time before there was a gas explosion or a water pipe burst, leaving the houses completely trashed. “Now this stock is so deteriorated,” Abariotes says.
And fixing the problem is not easy, and it takes time. But many people involved in the neighborhood stabilization effort in the Twin Cities remain confident that the existing partnerships helped to mitigate a problem that could have been much, much worse. “Some of the collaborations here have been in place for a long time,” said Dan Bartholomay, commissioner of Minnesota Housing, the state’s finance agency. “Relationships have evolved and developed and there is a certain level of trust required here, a willingness to solve problems, and a set of common goals.”
And of course, they took conscious effort and commitment to form and nurture. Offering an aside, Melissa Manderscheid, who chairs a key foreclosure response organization, is aware that the Twin Cities is often used as a model for collaboration. While many interviewed for this report touted the accomplishments of the collaborative network, all were realistic to the long-term challenges involved, as Manderscheid summarizes: “So many of the people who were around the table early on had an opinion. It’s important to note that it wasn’t some big love-in, and that there are people who have real, substantive differences when it comes to foreclosure response. But we try to hammer out ways to work through this, and sometimes it’s really challenging, but that’s the way we’ve been approaching it.”
The Key to Collaboration is Coordination
Bartholomay pointed to not just collaboration, but a strategic, coordinated effort to respond to the Twin Cities’ foreclosure crisis. This is the aim of the Minnesota Foreclosure Partners Council (MFPC), formed in late 2006 and early 2007 to identify, fund, and implement coordinated policies and programs that address the effects of foreclosures on families and communities. The Council grew when the state and the Family Housing Fund (the aforementioned Twin Cities nonprofit) saw a growing number of foreclosures. The partners include local and county government, foundation, lender, and nonprofit representation — basically a stew of all of the likely actors involved in addressing foreclosures.
Melissa Manderscheid, echoed Bartholomay’s sentiments that coordination is good, but planned coordination is better:
“We needed to understand the problem first before we were going to solve it.” And part of that understanding was establishing effective data collection, a system that Manderscheid termed as “not organized” and still remains to be developed and implemented, which will be an “enormous task” for the county. From there, the Council could get to work.
While working to understand the scope of the problem, MFPC examined the important role counseling plays in foreclsoure prevention. “Prevention is very cost effective, far more so than buying and fixing properties if and when we get to the point,” Manderscheid says. But the counseling network in place was simply unable to respond to the “sheer volume” of subprime concerns, Manderscheid says. “There was no hotline, no phone number where people could call for advice. The lines of communication were not readily available but there were people — lots of people — who were facing a foreclosure sale, were running out of steam, and needed advice quickly.
So MFPC directed funding to strengthen the capacity of the existing network to meet the growing need for more counselors, especially multilingual ones.
Nobody Shows Up Unless They Know About It
In addition to the actual counseling, there’s a continued effort to make homeowners aware that counseling is, in fact, available, and not only to help prevent foreclosure, but also to help people post-foreclosure. Further, 60 percent of foreclosures in the region are tenant occupied, and even though Minnesota law allows for tenants to stay in their homes for at least a year, most residents didn’t know what their legal rights were. The state also passed a cocktail of predatory lending legislation in 2007 that made certain types of mortgage products illegal, but again, without adequate counseling, few homeowners or prospective homeowners know about these laws and often are unable to take the proper course of action to defend their rights.
The Minnesota Homeownership Center, a statewide, independent network of more than 50 nonprofit, public and tribal organizations has also provided homeownership counseling for many years. Julie Gugin, the Center’s executive director, credits a centralized and standardized approach to their success in handling the current crisis. “We had a network in place. We had agencies on the ground doing foreclosure prevention reporting to us and able to say what was going on.”
The Center has been in existence for about 20 years, starting as an organization providing leadership and direction for agencies in and around the Twin Cities, but as demand grew, so did the Center, and it eventually began to collaborate with foreclosure prevention agencies that were launched by the Family Housing Fund (FHF). Together, they built a statewide counseling model for the Center.
And it tuned out that the FHF model was a pretty good one. By its nature, the FHF is the essence of “institutionalized collaboration,” says Tom Fulton, FHF president. The Family Housing Fund is a vehicle for public-private collaboration, acting as a coordinating and convening agency, FHF also functions at a Community Development Financial Institution, able to support many of foreclosure response programs in the Twin Cities.
FHF has a long history of focusing on important housing issues. In the 1980s, homelessness was the order of the day and the FHF led a joint effort with two cities devising a comprehensive plan to address the issue. That built a lasting foundation for cooperative efforts to handle homelessness. Like so many of the players working to stave off the state’s foreclosure crisis, Fulton points to that kind of existing collaborative culture that, at the very least, lets partners move quickly to focus on the crisis and not on learning how to collaborate: “You never actually know when you’re creating a true collaborative relationship that could be needed again, or what it’s going to be needed for.”
“There is definitely a desire here to do things and do things right,” says Eric Muschler, the Region and Communities program officer for the McKnight Foundation, which helped form FHF and supports inter-nonprofit collaboration. “It keeps people fresh and thinking about solutions creatively.”
“We’re the strongest if we govern in collaboration with private and nonprofit partners,” says Elizabeth Ryan, one of the first FHF co-chairs. Fulton adds that most organizations hit a “critical tipping point” when they realize they must work together to serve a mutual mission and do it more effectively. He also notes the fear among some nonprofits that collaborations will water down the organization’s identity, though he takes a decidedly more optimistic tone: “If the collaboration works, not only is the collective work elevated, but individual organizations are more successful. Success builds on success.”

domain: sociology


Judge-executive Tim Conley was back in federal court Tuesday afternoon, hoping to have the restrictions of his house arrest relaxed.
Conley was allowed to visit the doctor and attend court appointments, but could leave his property more now.
A judge ruled that Conley's probation officer can now give him permission to run essential person errands and attend church.
Conley is still not allowed to have contact with other county employees, but stated in court that none attend his church.
The judge-executive also requested permission to visit friends and family in a West Liberty nursing home, but the judge decided not to rule on that request.
Conley is accused of soliciting and accepting kickbacks from a bridge contractor starting in 2009 and later misusing federal money given to the county after the West Liberty tornado in 2012.
Conley's trial is scheduled to begin on June 17.


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SOUTH AFRICA – KFC-owner Yum! Brands has told landlords in South Africa that the US firm will not be paying rent while outlets are closed during the three-week government-enforced lockdown to contain the coronavirus pandemic.
The decision relates to 48 company-owned outlets in the continent’s most industrialised country, a spokesperson for KFC SA said in e-mailed comments.
The remaining 1,145 KFC fried-chicken restaurants across Africa are operated by franchisees who are making their own arrangements, she indicated.
One owner of more than 40 KFC shops across four Sub-Saharan Africa countries, Grant Wheatley, said he is in talks with landlords, banks and suppliers about arrangements to cope with the shutdown.
South Africa has ordered all restaurants to close during the period, including delivery services, with reopening scheduled for April 17.
According to a Business Live report, Yum!Brands join retailers around the world in asking landlords for leniency during a period where they will generate little or no revenue, creating a nightmare for banks and real- estate firms.
This has led to negotiations between local property funds and landlords with large retail tenants to convince them to pay rent for the lockdown period, after some retailers said they were within their legal rights to withhold it.
On March 24 trade & industry minister Ebrahim Patel gazetted exemptions that allow competing landlords, property companies and tenants to work together to reduce rentals or permit rental holidays in response to the lockdown.
The exemptions are designed to relax restrictions on joint agreements that would usually be considered anticompetitive, unlawful and collusive.
This includes a clause that allows tenants to take “reasonable measures” to protect their viability during the lockdown even if in breach of contract.
In this regard other retailers have interpreted this gazette notice as allowing them to lawfully not pay rent.
But commercial property industry bodies such as the SA Property Owners Association (Sapoa) maintain it is illegal to withhold all pay, especially as store assets remain in the malls.

domain: law


Eric Clapton returning to Hyde Park to headline BST 2018 concert
He will be supported by fellow acclaimed guitarist Carlos Santana and Blind Faith bandmate Steve Winwood.
Eric Clapton will headline Hyde Park next summer nearly fifty years on from his first performance at the royal London park.
The veteran musician, 72, is the latest act to be announced for the British Summer Time series, and will top the bill on July 8.
It comes 48 years after he performed to 120,000 fans at Hyde Park as part of supergroup Blind Faith. He also returned to the outdoor venue in 1996 and 2008.
He will be supported by Santana, the band formed by fellow acclaimed guitarist Carlos Santana, and his Blind Faith bandmate Steve Winwood.
Clapton said: “I have happy memories of performing in Hyde Park in the past and I’m really looking forward to playing there again – the whole atmosphere is very special.”
Also announced for the series of BST dates next summer are former Pink Floyd member Roger Waters, singer Michael Buble and US star Bruno Mars.


The Dorset Waste Partnership (DWP) is preparing a strategy to tackle an expected increase in its budget over the next five years and agree savings with the constituent councils.
The published minutes of the most recent meeting of the partnership on 13 June includes a report from the interim director Karyn Punchard on the DWP’s medium term financial plan (MTFP), asking councillors to note “the scale of a likely gap that will exist between expectations of DWP service delivery (and budget) and expectations of partner councils’ ability to fund the DWP, over the remaining period of the MTFP”.
The plan suggests that the 2016-17 budget of £34.2m will rise to £36.6m by 2020-21.
“In order for the DWP to meet the expectations of partner councils reductions in funding, significant changes to the current service model may need to be considered,” Punchard adds, saying no formal ‘savings target’ has been allocated to the DWP budget by partner councils.
The partnership is recovering from financial problems uncovered in 2015.
Former director Steve Burdis was suspended in March 2015 when the council members of the partnership faced a £2.8m deficit for the 2014-15 financial year. He was subsequently sacked in March after an appeal.
Selected members and senior DWP managers are holding a ‘Budget Challenge Workshop’ on 1 July for initial discussions to explore ”the viability of major changes” to save money. A review of the MTFP will be considered in October 2016.
The report notes that several factors in the next five years will affect the budget, including an expected 1,250 additional households each year, the rate of inflation and likely increases in the legal minimum wage, which is expected to be more than £9 per hour by 2020.
The DWP meeting was told the partnership was on target to underspend this year by more than £500,000.


Odisha Public Service Commission (OPSC) has given a notification for the recruitment of Assistant Agricultural Officer vacancies. Those Candidates who are interested in the vacancy details & completed all eligibility criteria can read the Notification & Apply Online.
Odisha Public Service Commission (OPSC)
Advt No: 04 of 2022 – 23
Assistant Agricultural Officer Vacancy 2022
Important Dates :
- Starting Date for Apply Online: 29-07-2022
- Last Date to Apply Online: 29-08-2022
Age Limit (as on 01-01-2021) :
- Minimum Age Limit: 21 Years
- Maximum Age Limit: 38 Years
- Candidate must have been born not earlier than: 02-01-1983 & not later than: 01-01-2001
- Age relaxation Applicable as per rules.
- Candidate Should Possess Degree (Agriculture/ Horticulture).
Vacancy Details :
|Sl No||Post Name||Total|
|1.||Assistant Agricultural Officer||261|
|Interested Candidates Can Read the Full Notification Before Apply Online|
Important Links :
|Apply Online||Available on 29-07-2022|
|Official Website||Click Here|


text:
“They did not leave to begin with just because they could find cheap labor somewhere,” said Mr. Perry, who is running for the Republican presidential nomination. “That may have been part of a formula, but it is not the reason they left. I would suggest to you they left because they were overregulated, and the cost of that regulation and the tax structure that we have in place in this country is what drove the masses away.”
Is that statement true? Are American regulations so burdensome that they are driving companies abroad?
Certainly the United States tax code is impenetrably complicated, and companies do have to deal with plenty of regulations. But even so, the United States is far friendlier to business than are emerging markets like India and mainland China, according to international analyses of regulatory climates.
For the last nine years, the World Bank has been grading countries on 10 measures of business regulation: getting electricity, enforcing contracts, protecting investors, dealing with construction permits, trading across borders, registering property, resolving insolvency, paying taxes, getting credit and starting a business.
Based on these criteria, these are the top 10 countries where it is easiest to operate a business:
- Hong Kong
- New Zealand
- United States
- United Kingdom
- South Korea
That’s right: The United States comes in fourth.
Hong Kong beats the United States, but mainland China — that bugaboo of American employment protectionists — does not. Instead, China comes in 91st. Despite the higher regulatory burden, American-based multinational companies have increased their employment in China by 161,400 from 2007 to 2008, a gain of about 20 percent, according to the Bureau of Economic Analysis. (The most recent data are for 2008.) In fact, American employment in China rose 77 percent in the prior decade, from 1998 to 2008.
India does even worse, with a ranking of 132nd. Edward L. Glaeser has written for Economix before about India’s struggles with having a stable and transparent regulatory system and public sector.
As they have done in China, American companies have ratcheted up their employment in India by 43,000, or about 13 percent, from 2007 to 2008. From 1998 to 2008, the number of people in India working for American companies rose by 54 percent, according to the Bureau of Economic Analysis.
In another measure of business climate and competitiveness put out by the World Economic Forum, the United States ranks fifth, again ahead of China (26), India (56) and a host of other countries where American companies are adding jobs.
Presumably, then, American companies are not attracted to these places because the business climate is more favorable.


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The Pune airport administration has announced that it will be closing the designated parking areas for services of Ola and Uber at Lohgaon airport and will now be asked to use ‘multilevel parking’ at Aeromall.
This decision is aimed at reducing the traffic congestion within and around the airport premises. The airport administrations contract with both ola and uber cars for halting in airport premises will end on 26 January. Instead of this ‘Ola, Uber’ can use aeromall parking for waiting.
The move is expected to have an impact on the pick-up and drop-off process for passengers using these services and also become time consuming for travelers. Travellers will be facilitated to go from the terminal to the parking area through a foot over bridge.
” ‘ola and uber are instructed to use multilevel parking facility, it will be helpful in decongesting the Lohegaon airport premises. And also convenient for travellers also,” said Santosh Dhoke, Director of Lohegaon Airport, Pune.
For the latest City News & updates Join Pune Pulse WhatsApp group.


text:
“Doublefaced” was a theme that designer Simon Porte Jacquemus – known only by his mother’s maiden name – gave to his collection, inspired by Sebastian Bieniek’s photo series of the same name. But there was also a main, more poetic title: “Child of the Sun”.
The show was often weird, with a naked upper half of the body emerging from a paper bag of a pair of trousers, breasts and feet bare.
The surreal quality throughout the show was compelling – even if it had elements of Comme des Garçons, without that designer’s rigorous cutting. One piece stood out: a coat with a portrait neckline revealing womanly shoulders – proof of the designer’s cutting skill, and perhaps a sign of more grown-up clothes to come.

domain: artistic


text:
By Joe Johnson
An Athens man was killed Wednesday night when he was struck by a pickup truck while crossing West Broad Street.
According to Athens-Clarke County Coroner Sonny Wilson, 59-year-old Glenn Stevenson of Chateau Terrace was crossing the road in front of Hilltop Grille at about 8:45 when he was struck by an eastbound pickup.
Wilson said the man died at the scene, making him the 22nd traffic fatality in the county this year.
The incident was investigated by the Georgia State Patrol, which determined that the driver was not at fault.
“No charges are pending against the driver,” said Sgt. First Class Tim Meyer, commanding officer of GSP Post 32 in Athens.
“The pedestrian was not in a crosswalk and wearing dark clothes,” he said, “and the pickup struck him in the inside lane closest to the two-way center turn lane."


text:
Story: Matt Kindt
Art: David Rubin
What They Say:
As Boone Dias and his team get closer to closing the breaches between Ether and Earth, they find themselves pitted against terrifying Spider Golems, AT-AT-sized sphinxes, and living anthropomorphic monster-mummies!
Content: (please note that content portions of a review may contain spoilers):
As we move further into the Ether series I find myself drawn to it all the more. I’m pretty hit or miss when it comes to Matt Kindt works and missing out on the previous series for this had me going in with a bit less knowledge. What helped was some welcome recap and some excellent artwork from David Rubin. If there’s an artist that I want to be able to clone and put on half a dozen projects at once, it’s him. There’s just such a great and distinctive look to this with the character designs and settings that it comes alive beautifully, drawing you into all the details in a great way. And he simply has such a strong mastery of the flow of the page with the panel design that it’s very easy to be drawn in just by that.
This installment goes for an even split of sorts when it comes to the missions at hand as the opening half of the book focuses on wrapping up the current encounter. It’s a lot of fun watching Grandor going through the spells and setting everything up to deal with the giant spider golem that’s part of the breach into our reality as it’s all quite mystical. Having Boone providing commentary on how it’s all just math that others don’t understand, science beyond them, he proves frustrating for the rest of the group but I love the way it presents the two different representations of the same thing. Boone, naturally, ends up going in to help as the danger rises and gets into his own trouble but the narration is great and the way he operates and discovers a bit more about what’s going on makes for an engaging storyline.
The back half of the book starts on the next leg of the journey with another breech area to deal with that takes them to where it overlaps with Egypt in the real world. There are some neat similarities here such as with the pyramids that gives talk of some universal symbols no matter the dimensions. There’s not a lot in the way of reveals here but the discover is great in seeing the things they come across as it plays parallel to Egypt a touch but with such fascinating color use. The group dynamic isn’t exactly comical but it has some fun moments as it plays out and we see how Grandor’s abilities are severely weakened here and the scope of what they’re facing is going to be quite different than the spider golem volcano side. Of course, Boone’s dominance of the story is expected and that it goes in a bad way for him is almost taken for granted…
Ether: The Copper Golems continues to delight with the surreal nature of this side of the rift and what Boone is exploring. The story continues to be simple in terms of what the mission is but it’s so far beyond that with the look and design of it, the creatures and characters involved, and just the scale of what’s being presented. Boone’s narration is delightful in the first half and I really just enjoy the group dynamic as it gets further along and we see how they all interact with each other. This series is such a great little experience that I lucked onto and I can’t wait to see more of what’s coming.
Age Rating: 17+
Released By: Dark Horse Comics
Release Date: July 18th, 2018


text:
THE GREEN LEAF GRAVEL CHALLENGE
250 miles (402 km)
May 18-21 at Upperud 9:9
Experience level: Intermediate to expert
8 490 SEK
Min 8, max 15 participants
As the grass and the trees turn green - we meet up at the truly unique hotel Upperud 9:9 to embark on a great jorney together. A challenge to ride 250 miles or 402 km during this weekend on absolutely stunning backcountry roads in Dalsland. A local guide will be leading the pack and keep everything together.
Upperud 9:9 will be our base for this adventure and the place where we can relax and recharge after long days in the saddle. Organic food, great company, yoga, sauna and a dip in the clear cold water will help us recharge.
Arrival day starts with a short ride of about 75 km in the afternoon before dinner. Friday is all out in the saddle and no less then 150 km and 1500 meters of altitude will be covered before its time for dinner and relax. Saturday starts with a short yoga session before heading out for another 130 km ride on the tough backcountry roads with lots of short punchy climbs.
After a slow breakfast on Sunday we will only do another 45 km before our legs get a well deserved rest.
This is a weekend for gravel lovers who are up for a challenge. Riding will probably be at an averege of 20 kph but we will have frequent stops for energy, coffee, fika and lunch. Fika, coffee and lunch will be paid by the participants during the rides.
3 nights in a shared room.
3 breakfasts and 3 dinners
4 rides with guide.
1 yoga session.
Experienced guide leading the whole event
Pick-up service if a bike breaks down.
A detailed itinerary will be given in March to those who have booked.

domain: hobby


text:
Photo SpecialJennifer Lopez & Casper Smart: So Into Each Other!
Loving gazes! Steamy kisses! Get an inside look at the star's head-over-heels romance with her dancer beau
Credit: Jeff Vespa/WireImage
Updated: Thursday May 10, 2012 | 05:00 PM EDT By: Janet Mock
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domain: celebrity


This tutorial shows step-by-step, how to calculate a spectral fluorescence lifetime cross-correlation (FLCCS) curve from a measurement of a mixture of two labeled oligunucleotides moving independently from each other. As the green dye has been excited with pulsed 485 nm excitation, while the red dye has been excited with a 560 nm cw laser, the different excitation scheme is used to eliminate the unwanted spectral crosstalk.
Note: Fluorescence Cross-Correlation Spectroscopy (FCCS) is a method to determine molecular interactions between two molecules labeled with different dyes. Usually, the dyes attached to the two molecules differ in their absorption and emission properties but they can also vary in their fluorescence lifetime.
To quantify the cross-correlation signal and connect it to a binding fraction, a calibration of the effective confocal volumes for each dye and the overlapping confocal volume must be performed.
The calibration can be done using a macromolecule labeled with both fluorophores.
FCCS calibration dyes are available e.g. from IBA (http://www.iba-lifesciences.com/details/product/5-0000-604.html).
Usually, a positive control is needed, in which both dyes are moving in a coordinated fashion.
Additionally, a negative control is need, if the spectral crosstalk is not negligible.
If one dye is excited with a pulsed and the other with a cw laser, fluorescence lifetime cross-correlation (FLCCS) is an ideal tool to remove the unwanted spectral crosstalk as demonstrated in this tutorial. As a consequence, only the positive calibration probe is necessary. For details please refer to: Padila-Parra et al., Microsc. Res. Tech. 2011, 74, 788-93.
The main idea of the method stems from the fact that if the fluorescence signal from the dye excited with a pulsed laser leaks into the second spectral channel, it will also show a decay behaviour corresponding to its fluorescence lifetime. If the second dye is excited with a continuous wave laser, the fluorescence response in the TCSPC window will be a homogenous background similar to roomlight.
Therefore, it is possible to generate two patterns: one for the fluorescence response after pulsed excitation (e.g. for the green fluorescent dye) and one for the fluorescence response after cw excitation.
After these TCSPC patterns have been generated, the green spectral channel using the pulsed response pattern is cross-correlation with the red spectral channel using the cw-response pattern.
Note: This way you can compare the data from the results originating from a standard spectral crosscorrelation and a correlation that involves the fluorescence lifetime information. As the fluorescence lifetime information is used to remove a false positive contribution due to spectral crosstalk, cross correlation calculated in a purely spectral fashion is always higher, if a significant amount of spectral bleedthrough is present.
Note: The “Samples” workspace is delivered with the SymPhoTime 64 and on the DVD-ROM and contains example data to show the function of the SymPhoTime 64 data analysis. If you haven't installed it on your computer, copy it from the DVD onto a local drive before going through this tutorial.
IBA488+IBA547_unlinked_mix.ptuby a single mouse click.
Note: This file contains a FCS measurement of a FCCS negative control (two DNA oligonucleotides labeled with a green and a red fluorophore, respectively). The sample was excited with a pulsed 485 nm laser and a cw 560 nm laser.
Note: The window contains three different regions:
Note: This window consists of different sections:
IBA488_IBA547_unlinked_mix.ptu(the same file again) and click “OK”.
IBA488+IBA547_unlinked_mix.ptu) is active.
Note: It has been demonstrated, that false positive cross-correlation due to spectral crosstalk can be completely removed using FLCCS. This effect is also visible in a positive control, but as here the main part of the correlation is due to coordinated movement, the amplitude is only slightly decreased compared to a standard spectral cross-correlation analysis.
Response: The correlation curves of this file are calculated. The cross-correlation amplitude is significantly higher than for the negative calibration dye as processed before, but lower than the corresponding FCCS file obtained with the “Grouped FCS” script.


text:
To Kill A Mockingbird has clearly changed my perspective and the way I look at things and people. It has changed my view and I think it could change anybody's too. It is really a classic that everybody should read at least once.
Harper Lee is an amazing author, and I loved this book. It has a lot of symbolism, deep meaning to it, and life lessons that are and will be helpful.
I enjoyed reading this book very much. I thought it would be a book that I would abandon, but turns out to be very good with lots of deep meanings to it, and there is also a lot of symbolism. It has some content that readers younger than 5th grade may not understand, but overall, I feel that this book was excellent.
I really enjoyed this movie, and I liked the original too.
This movie was enjoyable and fun.. with some sad parts

domain: literature


text:
A 10% annual rise in the total number of credit card complaints during financial year 2011/12 was recorded by the Financial Ombudsman Service (FOS), amounting to 19,183, the largest figure since records began in 2001.
The watchdog said much of the increase was due to a rise in consumers trying to claim back money they had spent on their credit cards, under a rule which protects people if a purchase they make is not up to scratch.
Around a quarter of the credit card disputes in 2011/12 involved section 75 of the Consumer Credit Act, which gives consumers legal protection when people use credit to buy goods or services. The figure also included complaints about other issues such as interest rates and charges.
Under the Act, if goods do not arrive or they are not up to acceptable standards, people could be entitled to their money back from the firm that provided them with the credit.
The FOS said it has seen an increase in cases relating to this and is currently dealing with around 100 such complaints each week.
The watchdog upholds around 60% of credit card complaints and half of all financial complaints generally. It did not have an exact figure for the uphold rate for section 75 cases, but said it falls broadly within the credit card uphold rate.
Giving possible reasons for the complaints increase, a spokesman for the ombudsman said that in the tough economic climate consumers have been re-examining their finances and complaining about goods and services they are unhappy with. He suggested that people have also become more aware of their consumer rights.
He said that both sides have become more entrenched, with consumers more likely to pursue a claim than they might have been previously, and financial firms also more likely to take a tougher stance.
The spokesman also said that in the current economy the ombudsman was seeing rising numbers of consumers bringing cases where companies had gone bust, although he did not give figures for this.
The chief ombudsman urged people to make sure they are aware of their rights if they do not receive goods or services which meet expected standards when they use credit.
Chief ombudsman Natalie Ceeney said: "As more people are tightening their belts in these difficult financial times, it's more important than ever that people know their rights if you use credit and something goes wrong.
"So if you have a complaint and you're not sure where to turn, speak to the ombudsman."
Section 75 protects items which cost between �100 and �30,000 and it helps the consumer where there has been either a breach of contract, or where goods or services have been misrepresented to the consumer. People may still be covered if they paid for some of the goods with cash.--


text:
Radio & Podcast Interviews
NPR All Things Considered (Nov. 2021) -- Why Voters Rejected Plans to Replace the Minneapolis Police Department
WCCO with Chad Hartman (Sept. 2021) -- Dr. Michelle Phelps on Minneapolis Policing
MPR News with Angela Davis (May 2021) -- Police and Traffic Stops: When Should Officers Pull Drivers Over?
The TakeAway (April 2021) -- What's Next for the Minneapolis Police Department?
Dialogue Minnesota (June 2020) -- What Does "Dismantling" the Police Really Mean?
KERA NEWS (April 2019) -- Forget The Petty Theft Hullabaloo. Creuzot's Probation Reform Will Affect More People
Access Minnesota (Feb. 2018) -- Rise of Probation
Access Minnesota (April 2017) -- Criminal Justice Reform
Access Minnesota (July 2016) -- Racial Bias in Policing
Print Media Interviews
Time Magazine (May 2022) -- Two Years After George Floyd's Murder, Minneapolis Is Still Struggling to Redefine Policing
Independent (March 2022) -- From George Floyd to Amir Locke, have Minneapolis Police Learned Nothing?
Star Tribune (Feb. 2022) -- Crime in the Crosshairs as Major Minnesota Legislative, Campaign Focus in 2022
Guardian (Jan. 2022) -- Trial Begins of Three Ex-Police Officers Present at George Floyd Murder
AP News (Jan 2022) -- Do Minnesota Cases Show it's Getting Easier to Convict Cops?
The Conversation (Nov. 2021) -- Why Voters Rejected Plans to Replace the Minneapolis Police Department
Star Tribune (Sept. 2021) -- Minnesota Poll: Most Minnapolis Voters Want Reform, Not Fewer Cops (reprinted in PBS/Frontline)
New Yorker (July 2021) -- Derek Chauvin's Trial and George Floyd's City
New Republic (May 2021) -- The Justice Department Is Getting Back Into the Business of Police Oversight. Will It Matter?
CNN (April 2021) -- Minnesota's Twin Cities Are Once Again the National Flashpoint over Race and Policing
WaPo (April 2021) -- As Derek Chauvin’s Former Bosses Line Up To Condemn Him, ‘Policing in America is On Trial’
Independent (April 2021) -- ‘The World is Watching’: The Fight for Minneapolis Police Reform
LeMonde (April 2021) -- Mort de George Floyd
Liberation (April 2021) -- Affaire George Floyd
BBC News Mundo (April 2021) -- George Floyd
Star Tribune (April 2021) -- After Duante Wright's Killing, Criticism of 'Pretextual' Traffic Stops Grows
Minnesota Reformer (April 2021) -- Stop the Car Stops
Star Tribune (March 2021) -- Chauvin Case Draws Inevitable Comparisons to Another High-Profile Police Murder Trial (Reprinted for FRONTLINE)
MN Daily (Dec. 2020) -- University Researchers Recommend Policing Changes Beyond Reform in North Minneapolis
CQ Researcher (Oct. 2020) -- Police Under Scrutiny - Can Law Enforcement Restore Public Trust?
Associated Press (Aug. 2020) -- GOP Portrayal of Urban Mayhem Doesn’t Always Match Reality
Star Tribune (Aug. 2020) -- Minneapolis police face staffing challenges as violence rises
MN Daily (July 2020) -- What does changing the Minneapolis city charter mean for public safety?
Star Tribune (June 2020) -- Killing of George Floyd shows that years of police reform fall far short
LeMonde (June 2020) -- Mort de George Floyd : à Minneapolis, le démantèlement de la police s’annonce plus compliqué que prévu
WaPo (June 2020) -- Protests spread over police shootings. Police promised reforms. Every year, they still shoot and kill nearly 1,000 people
WaPo (May 2020) -- Minneapolis struggled with police violence and adopted reforms. ‘And yet, George Floyd is still dead.’
Philly Enquirer (Oct. 2019) -- The Probation Trap: Living in Fear
MN Daily (Oct. 2018) "Increase in reported sexual assaults, according to University safety report"
Star Tribune (Nov. 2018) “Latest numbers: Crime recedes in most parts of Minneapolis”
PolitiFact Wisconsin (Sept. 2018) “Tony Evers supports cutting prison population 50%, but releasing thousands of violent criminals?”
Star Tribune (Aug. 2018) -- Release of Blevins Video Exposes Divide Between Police, Communities of Color
AP (Aug. 2018) -- FACT CHECK: Walker Right on Wisconsin Prison Population
MinnPost (Aug. 2018) -- Many Questions, Few Answers, As Minneapolis Council Takes Up Proposal To Change Police Oversight
USA Today (May 2018) -- At Santa Fe High School, Police Had an Active-Shooter Plan
MN Daily (March 2018) -- Stadium Village Rally Calls for UMPD to Disarm
Star Tribune (April 2018) -- With Few Women in Top Spots, Minneapolis Police Face a Challenge Diversifying Force
Star Tribune (Feb. 2018) -- Maplewood Police Says Study Shows They are Unbiased
TC Daily Planet (Jan. 2018) -- Principles of Less Eligibility: The Human Cost of Prison Labor
Next City (Dec. 2017) -- Parole and Probation Reform Is Bigger Than Meek Mill
MN Daily (Oct. 2017) -- UMPD Expands Community Engagement Team
MN Daily (Oct. 2017) -- UMPD Joins Other Campus Police to Discuss College Free Speech Issues
Portland Tribune (July 2017) -- Probation Innovation Stymied by Lack of Data
MinnPost (June 2017) -- Why Tiny Polk County Sends So Many People to Prison
Star Tribune (April 2017) -- Female Police Officers' De-escalation Skills Changing Tone in Minneapolis
MN Daily (March 2017) -- Minneapolis Police Create New Division for Community Outreach
Yes! Magazine (March 2017) -- Defunding Police: How Antiracist Organizers Got Seattle to Listen
Star Tribune (Jan. 2017) -- Frustration Grows with Minneapolis Police Psychological Screening Process
MinnPost (Dec. 2016) -- Minneapolis is Hiring More Police Officers. Here's Why Some Advocates Argue That Won't Make the City Any Safer
MN Daily (Oct. 2016) -- Report: Total crimes Increased in Minneapolis Last Year
Chicago Reporter (Aug. 2016) -- Police Liability Insurance Measure Goes to Court in Minneapolis
FiveThirtyEight (July 2016) -- Why Are So Many Black Americans Killed By Police?
Pioneer Press (July 2016) -- St. Anthony Police Data Shows Disproportionate Arrests of Blacks
MN Daily (July 2016) -- Police Accountability Petition Advances
MN Daily (July 2016) -- Philando Castile Shooting Shows Reality of Racial Bias in Law Enforcement Says Obama, Gov. Dayton
MN Daily (June 2016) -- Dayton Backs Revised Police Body Cam Bill
MN Daily (February 2015) -- Mpls. Unveils Group for Police Conduct Oversight
Star Tribune (Dec. 2014) -- Twin Cities Forum Explore Racial Bias, Police Tactics
Star Tribune (Nov. 2014) -- Small-Time Arrests Down as Mpls. Police Shift Focus
Wake Mag (Nov 2014) -- Minneapolis Police Department Testing Officer Body Cameras
Wake Mag (Nov 2013) -- Alert: This is a Desensitizing, Vague Message about Crime


text:
“Men will talk about their struggle with pornography, but don’t ask about their money.”
A veteran of many men’s groups made that observation, and it made sense. As a counselor, I talk about sex with people, but I cannot remember the last time I talked about money.
In other words, I am missing something. Jesus often targeted the love of money and its deleterious effects, but in my everyday conversations this is rarely in play. Since counselors have an opportunity to focus on what is most important, we should expect to discuss money. If we are not talking about it, we have to ask the question: Are we blinded by the double whammy of a capitalistic culture and a heart that instinctively puts its trust in money?
A Strange Passage
As a way to keep these matters in view, here is a strange passage.
Jesus told his disciples: “There was a rich man whose manager was accused of wasting his possessions. So he called him in and asked him, ‘What is this I hear about you? Give an account of your management, because you cannot be manager any longer.’
“The manager said to himself, ‘What shall I do now? My master is taking away my job. I’m not strong enough to dig, and I’m ashamed to beg—I know what I’ll do so that, when I lose my job here, people will welcome me into their houses.’
“So he called in each one of his master’s debtors. He asked the first, ‘How much do you owe my master?’
“‘Eight hundred gallons of olive oil,’ he replied. “The manager told him, ‘Take your bill, sit down quickly, and make it four hundred.’
“Then he asked the second, ‘And how much do you owe?’ “‘A thousand bushels of wheat,’ he replied. “He told him, ‘Take your bill and make it eight hundred.’
“The master commended the dishonest manager because he had acted shrewdly. For the people of this world are more shrewd in dealing with their own kind than are the people of the light. I tell you, use worldly wealth to gain friends for yourselves, so that when it is gone, you will be welcomed into eternal dwellings. (Luke 16:1-9)
The interpretive challenge is “the master commended the dishonest manager.” And, of course, that last sentence is a doozy: use worldly wealth to gain friends…
Consider this perspective. The dishonesty of this manager is not so much what he did after he found out he was going to be fired, but wasting his master’s possessions beforehand. In going to his master’s debtors now, the manager reduced interest and other fees, which is shrewd but not exactly dishonest. And since the numbers here are huge, the reduction was generous and appreciated by the debtors. It will bear fruit for the manager in his uncertain future. It’s a smart move, and he is commended for it.
The goal is to think and act on our money. Start with a paraphrase.
People spend a lot of time trying to be shrewd with their money. What they get for all their work is a place to stay, food to eat, a few toys, and maybe a few folks who are in their debt. None of it has eternal significance.
Christians should use that same worldly shrewdness with their money to do eternal investing. Eternal investing has a few different components. First, the money is the Lord’s. Second, think in terms of masters. Money can quickly become our god. Assume repentance is going to be a recurring feature of your financial strategy. Third, we are always aiming for faith that expresses itself in generosity.
And the part about gaining friends? My guess is that it means you are helping the poor, and, in helping them, they become friends, even if you gave anonymously. These friends, if they enter heaven before you, will welcome you to something grand. What a fine thought.
Now get on it. Talk to friends about money. Pray together about money. Give to the poor. Get shrewd, with eternity in view.
Each week I drive by the old Widener mansion, which once belonged to the incredibly wealthy George Widener. He died on the Titanic. The estate is that perfect combination of something exquisite and something in utter ruin. The immense shell looks down, passive and helpless, on ivy and weeds that have consumed the once proud fountains and are now aiming for the main house. A shrewd man built it, yet it did not last. May it be a reminder of this parable and an occasion to pray about financial wisdom.

domain: finance


text:
Thousands of digital comic books are available with a click of your mouse or a tap of your finger with Comics Plus: Library Edition.
All you need is your library card and a web browser to get started. You can even download the Comics Plus: Library Edition app for iPhone and iPad to take your borrowed comics on the go!
(Android app coming soon.)
Prefer paper? We have a great selection of adult and kids' comics and graphics novels at the Bay St. Louis-Hancock County branch. If you can't make it there to pick them up in person, request them by phone or on the library catalog.

domain: library


text:
OBOE ACADEMY SUMMER 2016 OBOMAN.pdf
Educational objectives and contents
Identifying the main issues raised by the practice and the teaching of jazz and more
generally improvised musics.
Illustrating the bridges between different kinds of music and oral or written traditions.
Showing that it’s very interesting to master improvisation in order to improve our skills
in all sorts of music.
Giving tools in order to discover and control improvisation (individually or collectively).
Analyzing the fundamental principles which are
necessary to master improvisation.
Learning and controlling of improvisations tools.
Practicing individual and collective improvisation.
Learning a hands-on approach to making progress.
Possible arrival in La Roche Guyon: Sunday, July 3rd, from 1 pm.
Classes with Oboman, Clément Prioul and Philippe Hékimian:
Sunday, July 3rd: 4pm - 6pm
From Monday, July 4th to Thursday, July 7th: 10:30 am – 12:30 & 2pm – 5pm.
- Improvisation and collective music
- Jazz harmony, listening & analysis
Outside of these hours: see chapter
Friday, July 8th :
- Rehearsal from 10:30 am to
- Concert at 4pm
- Evening in music at 5pm
Leaving on Saturday, July 9th in the


text:
A 26-year-old man arrested on a DUI charge twice in two months lied about one of the DUIs while trying to get the other DUI dismissed, court papers show.
Christopher Dorr now faces a felony perjury charge in Harrison County along with his attorney, 55-year-old James Farrior.
Both of Dorr’s DUIs were considered a first offense. While represented by Farrior in both cases, Dorr pleaded guilty to his second DUI with non-adjudication status in Harrison County Justice Court. The next day, he pleaded guilty to the first DUI in Biloxi Municipal Court.
Non-adjudication is a guilty plea with a delayed sentence. If a defendant abides by all of a judge’s requirements, the charge is dismissed.
Dorr qualified for non-adjudication after he signed a sworn statement on March 14. The document, obtained by the Sun Herald, lists four statements as facts and Dorr initialed each of them. Two statements say he’d never been convicted of a DUI and he had no pending DUIs.
Dorr has a Michigan license and had a Moss Point address at the time of his arrests.
Biloxi police had arrested Dorr on a charge of driving under the influence on July 9, 2016.
Two months later, Sept. 29, 2016, a Harrison County deputy sheriff arrested him on a DUI.
Farrior had asked for delays on the Biloxi charge and witnessed Dorr making false statements on the Harrison County charge when they appeared before Justice Court Judge Diane Ladner on March 14, court documents say.
The paperwork for non-adjudication was sent to the Mississippi Department of Public Safety. The paperwork was returned to justice court, noting Dorr had a pending DUI in Biloxi.
Harrison County deputies arrested Dorr on a perjury charge Sept. 19.
Deputies arrested Farrior two days later. His perjury charge alleges he persuaded Dorr to lie about the Biloxi DUI even though he was legally sworn as a witness to the adjudication proceedings.
Dorr and Farrior were each released from jail on a $2,000 bond.
Perjury carries a prison term of up to 10 years.
A probation officer’s report, dated Sept. 18, shows Dorr had an interlock device installed in his car as the judge had ordered, but he had some interlock-device violations. He attended an alcohol safety class but did not complete a victims’ impact course.
As part of Dorr’s probation in anticipation of his charge being dismissed, he was to obtain a restricted Mississippi driver’s license. He could not get it because of his March 15 DUI conviction in Biloxi, the report said.


text:
Emma's Home Page - Page 5
This is my friend Tom. I like to jump on his head when he's sleeping, which is
most of the time. When he isn't sleeping he's probably eating. But he
actually caught (and then cruelly persecuted) a mouse!
He's barely energetic enough to eat his cat food...
Back to Kevin's Home Page |
Back to the previous page

domain: pet


text:
Massive Disneyland Attraction Database
The Quip and Yale's Bushhouse attraction, which recently celebrated its tangled anniversary
Quip and Yale's Bushhouse
February 5, 1967
Avg. queue length:
Nobody can remember what the point of Quip and Yale's Bushhouse is. It once had things to play on, but a union representing particularly fragile children had it taken away to make trouble.
- Because it is so nauseating, experts recommend that you avoid this attraction in the morning.
- After going on this attraction, you might find it pleasant to find something more stimulating.
- If you are traveling with children or an ill-fitting hat, you may want to line up for the adjacent themed autograph garden.
Guest Policies and Warnings
- No texting or monkey business allowed.
- There is an one-person juice bar just within this attraction's entrance.
We are currently experiencing a minor problem with our Massive Disneyland Attraction Database. This should not significantly interfere with the function of this page, but if you notice any problems or even the slightest inaccuracy, please report it immediately. Thank you for your understanding.

domain: travel


Elisa Sainz De Murieta
She works on climate change adaptation, risk and decision-making under uncertainty. At the Grantham Research Institute, her work is focused on developing a risk-assessment framework to support successful adaptation strategies in coastal cities. Elisa has a background in Science (BSc. in Geological Sciences, 2001) from the University of the Basque Country and a Master’s degree in Environmental Engineering and Management at the School of Industrial Organization in Madrid (2002).
After working for an industrial business group, in 2005 she was appointed Director of Biodiversity of the Basque Government. During this stage, she developed a strong interest in the science-policy interface, so in 2009 she enrolled in a doctoral programme on Quaternary and Environmental Change studies.
In 2010 Elisa joined BC3 where she developed her PhD on the environmental and economic impacts of sea-level rise in the Basque Coast. While working on her PhD, she has also been involved in several research projects related to the economics of climate change adaptation.


Officials in Los Angeles County next week will detail their roadmap for reopening theme parks in the county, which is home to Universal Studios Hollywood and Six Flags Magic Mountain.
Theme parks will be one of the many industries that county officials will discuss Tuesday, along with film and television production and sports venues. California Governor Gavin Newsom Friday gave Los Angeles County approval to begin moving into Stage 3 of the state's reopening plan, allowing for the immediate reopening of barber shops and hair salons, as well as in-person dining at restaurants at 60 percent of normal capacity.
The approval for in-person dining in Los Angeles County, coupled with the approval earlier this week for in-person retail, would clear the way for Universal to reopen its CityWalk shopping and dining area in Hollywood, though the park has made no announcement yet about a potential reopening.
Elsewhere in Southern California, Orange and San Diego counties last week were cleared to begin Stage 3, prompting several San Diego County attractions, including Legoland California and SeaWorld San Diego, to apply to for permission to reopen on July 1. In Orange County, neither Knott's Berry Farm nor the Disneyland Resort has made any move toward reopening their theme parks or shopping districts.
In Florida, Universal Orlando has reopened its CityWalk and the theme parks reopen to the public next week. Walt Disney World's Disney Springs also has reopened, though the resort's theme parks will not return until mid-July. Disney World got approval today from Florida Governor Ron DeSantis for the reopening plan it detailed earlier this week.
SeaWorld Orlando also is set to return now on June 11, while Legoland Florida will reopen June 1. Six Flags is kicking off its reopening with Oklahoma's Frontier City on the same day. So far, no other Cedar Fair parks (that's Knott's chain) have applied to reopen in their states.
* * *
For discounted tickets to theme parks and attractions throughout the United States, please visit our travel partner's theme park tickets page.
This article has been archived and is no longer accepting comments.


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According to the Wall Street Journal, 60-80% of business owners don’t know what their financial statements are telling them. I know what you’re thinking. “That’s not me.”
As a pre-requisite to a renewal on a critical line-of-credit, this Chicago CNC Machine Shop’s bank required an outside review and verification of the company’s questionable financial reports and financial stability.
Our changes allowed the company to improve the bottom line. The bank renewed the company’s line for another year.
As a result of our success, the company hired us as their Part Time CFO on an ongoing basis so that we could provide continued counsel to the company as it was passed down to the third generation of the family.
Frustrated owner of a Chicago equipment rental company hired CFO Simplified to modernize and bring the company’s accounts payable department up-to-date. Prior to our intervention, financial reports were slow to produce and prepared manually, as the long-term AP clerk was working overtime, utilizing an antiquated accounting system to pay suppliers who were anxious for their payments.
Letting the computer decide which invoices to pay allowed us the time to provide better documentation to the owner prior to check signing. The time needed to complete the payables process went from more than 5 days a week to just 2, and payables checks were mailed out reliably every Friday.
After working through the approvals and processing with each department, we were reliably issuing monthly financial reports in less than 10 days.
By applying automation to the AP clerk’s repetitive, manual, and cumbersome processes, she was relieved of time consuming tasks that affected her ability to deliver accounting service delivery. With automation, more time and reliable information, the finance department and owner can make any adjustments necessary to meet the changing needs of today’s dynamic business. As an added benefit, they can also catch any errors or other issues before they become material misstatements.
CFO Simplified was hired to help this Franklin Park company who was overdrawn more than $100,000 at the bank, and more than 4 months behind on critical obligations such as lease, mortgage, real estate taxes and other loans. When we intervened they were days away from foreclosure and short on payroll.
With more money to operate the business, morale and production quality improved. Unfortunately though, the company was burning too much cash. The owners agreed to an Assignment for the Benefit of Creditors, with the goal of keeping business operating so we could sell it as a going concern. In the end, a holding company located in Carol Stream agreed to purchase the assets of the company.
A Benefit of Creditors allows the company to avoid a Chapter 7 or 11 bankruptcy. With our approach, twenty three jobs were saved, and the owner was retained/hired by the holding company. The bank loans were paid in full, and the owner’s personal guarantee was released. The banks refinanced the building, now that there was a viable tenant. The company continues to operate successfully to this day.
This 28 year old Wheeling, IL company had never created a budget. They had no idea of the expected profitability of any of their nine separate product lines, or the overall profitability of the company.
-Sales and administrative expense.
-Bonuses and pay increases
A trend analysis is crucial in gauging the financial health of a company with multi-product lines. In actuality, the owner didn’t know whether any line was becoming a cash cow or boat anchor to overall company profitability. With all of the financial information measured and analyzed, future trends, per product line, can be projected. Our resulting report detailed the metrics that we used in our analysis, along with the historical sales and margin contribution of each product line to the company’s overall profitability.
After decades of operating without a budget, the company now had an actual budget with supporting detailed analysis (spreadsheets), providing an expected profitability for the company and each product line for the upcoming year. With our intervention, the company could, for the first time, look into the future and confidently make plans based on the detailed analysis and projected profitability of company operations.
A small Chicago advertising agency specializing in niche marketing was having difficulty producing consistent financial reports, further causing inaccurate invoicing and revenue reporting, leading to undo stress on the financial department with duplication and other tedious month-end processes.
Having accurate business metrics leads to accurate cash inflow/outflow numbers and ultimately increases the ability to improve and maximize profitability. We helped this client get on the right track for success by streamlining and improving accounting processes on a “per project basis”:
Successful Schaumburg Marketing Services Company needed us to perform due diligence and assist with an acquisition. Through the course of our advisory services and relationship, we discovered that the business is a family business owned by two brothers in their mid-60’s, each having children working in the business with no succession plan in place, of which we strongly advised and also assisted with.
Succession Planning Results: According to surveys (PWC), as many as 8 out of every 10 boomer business owners are facing retirement without a succession plan, as most of their time is spent working in the business, vs. on the business. Without a succession plan, unfortunately 70% of family businesses won’t make it to the second generation. And, in the case of family businesses, the people and their issues are a majority of the bigger picture. With the assistance of our experts, CFO Simplified put together a qualified team to evaluate the bigger picture of this family business. As a result the new succession plan we drafted eliminates any uncertainty and discord that may occur later, and increases the likelihood of continued success of this family business into future generations.
M&A Advisory Results: To mitigate risk, an acquisition requires than an enormous amount of data (financials, taxes, accounting, labor, etc) about the target be evaluated. Our expert and unbiased evaluation determined that one of the companies was a good fit, both business-wise and culturally. It was also determined by the buyers that other company fell short of being the desirable target they had anticipated, and any plans regarding its acquisition were discarded.
Overall, our expertise helped these buyers avoid a large risk in one target, while also successfully negotiating mutually satisfactory contracts with the suitable target. In this transaction, it was important for the seller to know that their employees would be taken care of, they were being paid a reasonable price for their business, and that they would be working for the next few years, assuring a successful and profitable transition, and acquisition result. As for the buyers, they were delighted to have acquired a new business segment that enhanced, complemented and augmented their existing clientele and bottom line.
A bank was losing confidence in this second generation Harvard, IL printing company, after a disastrous relationship with a new client caused it to lose money over the prior few years. The company was worried their operating line was going to evaporate if they were unable to return to profitability.
An ERP system eliminates repetitive processes within an organization and increases efficiencies, especially profitability forecasting abilities. As a result of our review and intervention, and a change at the operational level, the tracking and calculating of month end financial adjustments for prepaids and accruals tightened the financial postings, eliminated adjustments at year end for the annual insurance audit, and uncovered a miscalculated insurance accrual that returned $140,000 to the bottom line.
In addition, having accurate detailed financial statements gave the owner vital information needed to make further changes in the company’s operations and dramatically improve profitability.
After purchasing a Chicago retail liquor store from his father, this young new business owner wanted to expand into other businesses. He hired CFO Simplified to teach him more about the store’s financial reports and how to utilize them and the store for his other business ventures.
It’s difficult to measure the progress or strength of any retail outfit without tracking certain sales metrics. Having this information in hand allows the store owner to accurately gauge profitability, and even take steps to improve his ROI.
In addition, having a more accurate and structured month end close, with the appropriate journal entries, also provides the owner with vital and consistent financial information needed to understand how the store is doing on the whole, and to serve his purpose of using the store as collateral to expand into other business ventures.
Each month we provide key insights, resources and tips for building a better business. Get the latest blog posts, business hints, accounting tips and a personal note from Larry.
Our people are unique CFOs. They are all operationally
based financial executives.
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text:
1) FSS expects quiet trading session in Thailand prior to a long holiday
Finansia Syrus Securities (FSS) expected the Thai stock market to continue moving in a sideways trend within the range of 1,520-1,530 points on the last trading day before the long holiday. The Fed’s decision was inline with market’s expectations with a 25bps rate hike. Meanwhile, the chairman also opened for another hike in September, judging by the economic data in the next two months. The analyst expected the ECB to raise the rate by 25bps today to 3.75%.
2) US Fed raises rate by 25bps, not closing the door for another hike in September
The U.S. Federal Reserve on Wednesday decided to raise its interest rate by another 25 basis points to the highest level in 22 years.
The widely anticipated move has brought the U.S. central bank’s benchmark rate to 5.25%-5.5%, the highest level since early 2001, while the market is looking for any signals in hope that this could be the final hike in this cycle.
Fed’s Chairman Jerome Powell said there is a long way to go to reach the inflation target of 2% despite data, which showed that prices had been moderating since the middle of last year.
“I would say it’s certainly possible that we will raise funds again at the September meeting if the data warranted,” said Powell at the news conference.
3) Meta reported better-than-expected 2Q23 results
Facebook’s parent Meta reported higher-than-expected earnings and revenue for the second quarter.
Revenue increased 11% from a year earlier to $32 billion and also topped 31.12 billion expected by Refinitiv. Earnings were $2.98 per share in the second quarter, compared to $2.91 expected.
Daily Active Users (DAUs), Monthly Active Users (MAUs) and Average Revenue per User (ARPU) also topped expectations.
In its guidance, Meta forecast third-quarter revenue of $32 billion to $34.5 billion, which is higher than $31.3 billion expected by analysts.


text:
“On Friday evening, June 16, 2017, The Charleston Forum will host a public discussion on numerous important issues facing our city and state. The evening will address racial issues in the context of four subject areas: economics and education, policing and criminal justice, the future of the past, and the Charleston experience.
Although conversations on these topics are not new, the conversations too often take place only among people who already share the same agenda. The Charleston Forum offers the opportunity for leaders with different perspectives to identify problems and propose solutions. The dialogue will be a step forward together, with no pre-set agenda but with a common purpose.
“I am looking forward to participating in the Charleston Forum this summer. We must embrace these opportunities to come together and listen to one another,” Charleston Mayor John J. Tecklenburg said. “It is only by gaining an understanding of our different perspectives, backgrounds and experiences that we can create a united vision for a brighter future.”
The Charleston Forum was developed over a year ago by the Charleston County Bar Association with significant early support from then-Mayor Riley, Mayor Tecklenburg, Reverend Joe Darby, Police Chief Greg Mullen and many others. The goal is to present an attractive line up of speakers, a true “forum” of different ideas, and an opportunity for citizens to voice their own ideas for solutions on the accompanying online forum which will follow the June 16 event.
A full agenda will be released prior to June 16 but speakers and performers include Kassy Alia, founder of Heros in Blue, the Paula Boggs Band with the Mother Emanuel A.M.E. Choir, Former Tampa Police Chief Jane Castor, Congressman Jim Clyburn; Reverend Joe Darby; Margaret Hoover, author and conservative political commentator; Malcolm Graham, brother of Cynthia Graham Hurd; State Senators Gerald Malloy and Marlon Kimpson; DeRay Mckesson from Black Lives Matter; former Mayor Joe Riley; Reverend Nelson Rivers; Bakari Sellers and Mayor John Tecklenburg. A full list of speakers and performers can be found at www.thecharlestonforum.com.
“I am honored to be a part of this incredible event which will shine a light on important issues facing our city, state, and nation,” Brian Duffy, The Charleston Forum’s Committee Chair, said. “The conversations our talented lineup will have on June 16 are not new to our communities but are necessary for us to move forward together. Charleston has been the center of many historic moments in our nation’s history and, tragically, the events of June 17, 2015 are among them. Through the Charleston Forum, our community will be the center of a positive legacy of progress in race relations in our country.”
Tickets for the event are available now at www.thecharlestonforum.com.”
Moe’s Southwest Grill in Summerville Hosting Holiday Fiesta Benefiting Families in Need
On Thursday, December 8th, Moe’s Southwest Grill in Summerville will host a holiday fiesta while also giving back to families...


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Grains of Sand in The Sea
Playful assistant and the domineering president's battle with "lies".
Hu Yitian and Qiao Xin have a love-hate relationship.
Ombak Rindu (Waves Of Longing): Continuous Test of The Noble Love
In Love with the Campus Handsome
Zhou Dongyu and Xu Kai deliver unique immortals love.
The love adventure of a cartoonist
He Hongshan and Xu Zhengxi staged sadomasochism

domain: entertainment


text:
My DQS5 doll quilt arrived at its destination! Heidi wrote twice about receiving it on her blog, here and here. I'm so happy that it arrived safely and that she is enjoying it. She already has it hanging up in her craft room!
My partner for the mini quilt in a bag swap received my bag of goodies. I sent my bag a little while before the deadline, she has until the end of November to send me her bag. So I'll have plenty of time to work on her mini quilt December and January.
Meanwhile I've been working on my jelly roll quilt that I started when I was at my sister's.
I'm adding the white to make the quilt bigger. I'm torn between the way it looked without the white and and how it looks with. But it does need to get bigger. So I'm just going to keep going. Don't get me wrong, I do like it, I just like it both ways.

domain: design


text:
The name is territorial in origin from the
old barony of Danzielstoun. The manor took its name from a man named
Daniel, who may have been of Norman extraction. The name was gradually
softened, through use, to dennistoun.
Sir Hugh Danzielstoun of that Ilk, was one
of the barons who submitted to Edward I of England, although his name does
not occur on the Ragman Roll of 1296.
His granddaughter, Elizabeth Mure of
Rowallan, married Robert II in 1347 and was the mother of Robert III. This
gave rise to the proud saying of the Dennistouns that 'Kings come of us,
not we of Kings'.
This close royal connection brought
extensive holdings to the family, together with the governship of
Dumbarton Castle. Robert de Danielstoun was one of the nobles who stood as
hostage for the ransom of David II in 1357.
In 1370 he was commissioner for the peace
treaty with England. He succeeded his father as sheriff of Lennox and was
keeper of Dumbarton Castle. On his death in 1399, his brother, Walter,
forcibly took possession of Dumbarton Castle, claiming that it was now the
possession of the family, and held it until 1402.
His kinsman, Robert III, offered him the
vacant bishopric of St Andrews as compensation for his surrender of the
castle. The offer was generous but Walter died before he could take up his
William de Danielstoun was an officer of
the royal household, both to Robert III and his son the Duke of Rothesay.
His widow, lady Marjory d a royal pension after his death in 1393.
By the 17th century the designation of the
principal family had become that of their estate at Colgrain and they
became embroiled the conflict between Charles I and Parliament.
John Dennistoun of Colgrain fought for the
Royalist cause through out the civil war and joined the ill-fated attempt
by the Earl of Glencairn to restore the monarchy in 1653. The royalists
were completely defeated, and although Colgrain succeeded in saving his
estate from forfeiture, he died of wounds he received in the conflict.
By the middle of the 19th century the
family had reached the pinnacle of local aristocratic society.
Dennistoun of Dennistoun commanded the
cavalry militia of Dunbartonshire and was Deputy Lord Lieutenant.
Other branches of the family became
prominent Glasgow merchants, and John Dennistoun was MP for the city from
1837 to 1847.
From an article in the Scottish History
The Dennistouns of Dennistoun

domain: history