text:
Exodus 24:12-18 Psalm 99 Matthew 17:1-9 2 Peter 1:16-21
There are times in life when we need some reassurance. Sometimes we men ask God for that reassurance before we marry our beautiful brides. Sometimes as we are heading off to college, we need a bit of reassurance as we are embarking on a new path. And sometimes we need a bit of reassurance when change is happening in our lives.
For the Israelites, and at a minimum Moses, having received the Ten Commandments, there is a need for God’s reassurance. The Israelites are becoming a nation. Thanks to Jethro, Moses is becoming a better leader. And God is continuing to show the Israelites how to live and worship. He does this by coming in his glory to Moses.
For the disciples, they have recently heard that Jesus will die a horrible death, and that soon. As they continue to follow Jesus, there is a need for reassurance. And God speaks to them in a cloud. This reassurance reminds them who Jesus is and what they are to do.
For the early church, Peter’s impending death was a shock. To reassure the church about the truth of his testimony, he reminds them of the reassurance that he received while on the mountain with Jesus. God’s glory was revealed and remembered so that the church could live out the prophetic message of entry into the eternal kingdom of our Lord and Savior Jesus Christ.
- The glory of the Lord revealed how Israel was to live & worship(Exodus 24:12-18)
- The leaders were to meet God on the mountain
- Moses, along with Joshua, were to receive the commandments
- The rest of the people were to wait – they didn’t! They made a golden calf (Ex. 32)
- The glory of the Lord was on the mountain
- Moses went into the cloud
- Under God’s feet was a pavement like sapphire (24:10)
- The cloud was there 6 days before Moses entered it
- The appearance of God was like a devouring fire (24:17)
- He was with God in the cloud for 40 days!
- Moses spent time with the Lord on the mountain. It was not just for Moses’ personal edification. He was to instruct the people after spending time with God. Chapters 25-31 are all that Moses was to teach Israel. Moses spent time with God. It was the presence of God that created the cloud. Yet, we know from Numbers 14:21, the glory of the Lord is going to fill the earth! We have to be prepared to have the glory of the Lord around us. This preparation is a slow process. It took until Jesus’ time on earth for more preparation to occur.
- The glory of the Lord reminded the disciples who Jesus is (Matthew 17:1-9)
- It 6 days after hearing about denying self
- Jesus’ inner circle (Peter, James, & John) go with him
- Something’s about Jesus changed
- Metamorphose, change in appearance, transformed
- Was Jesus’ glory revealed?
- His face – shone (Moses’ face shone – Exodus 34:29)
- Jesus’ clothes – dazzling white (We become white as snow because God forgives us (Isaiah 1:18)
- Moses & Elijah – great law-giver & great prophet
- Peter does not know what to say or do
- The voice from the cloud – “This is my son, the beloved, with whom I am well pleased; listen to him.”
- Jesus tells his inner circle
- Do not be afraid
- Don’t say anything until the Son of Man is raised from the dead
- Jesus knew where he was going. His disciples needed reassurance. There is nothing like the glory of the Lord, the presence of God, to give that reassurance. Hearing that they need to listen to Jesus and to not be afraid is important. For it is with the raising of the Son of Man from the dead that allows people to enter the eternal kingdom of our Lord and Savior Jesus Christ. Jesus started his ministry by saying, “Repent, for the kingdom of heaven has come near (4:17). The glory of God appearing to Jesus & his inner circle was a way of showing that kingdom being revealed and taking over this world. By looking back at this event, we get reminded what we are to be about.
- The glory of the Lord reminds us of the prophetic message of entry into the eternal kingdom of our Lord and Savior Jesus Christ (2 Peter 1:16-21)
- It is not a myth or theory
- There were witnesses to the revealing of Jesus’ majesty
- Pay attention to this!
- Pay attention to what God has done
- The morning star is going to rise in your hearts (Jesus will be here!)
- The eternal kingdom of our Lord and Savior Jesus Christ is coming to this world
- The Lord has let us know that his glory/presence is coming to this world. When He does come, all people need to be ready. So, we do repent, for the kingdom of heaven has come near! Just like Peter and the other witnesses saw Jesus’ glory, we will get to do the same, if we are ready.
The transfiguration of Jesus is important. We can realize that what God started with Israel will be true for the entire world. That’s right the glory of the Lord was upon the mountain so that Israel could be instructed on how to live in the presence of God.
The glory of the Lord was upon the mountain so that the disciples could be reminded and reassured that listening to Jesus would help them. And now we also know that we are to be ready to live in the presence of God, in Jesus’ kingdom. Listen to Jesus – be ready. For God’s glory will be known when we enter the eternal kingdom of our Lord and Savior Jesus Christ.


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Talk SMS for Android Publisher's description
from Nyros Technologies
TalkSMS will identify the incoming sms and speak out the content of the SMS
TalkSMS will identify the incoming sms and speak out the content of the SMS. By default it will not disturb you when your mobile is in Silent/Vibrate mode. This App uses Text-To-Speech Extened library and It will ask you to install TTS Library and redirects you to install this app from android Market.
System Requirements:No special requirements.
Program Release Status: Major Update
Program Install Support: Install and Uninstall

domain: library


text:
British network fined for incident in which a rat was killed and eaten on reality TV show
British broadcaster Independent Television (ITV) pleaded guilty to animal cruelty and was fined by an Australian court Monday after a rat was killed and eaten on the reality TV show "I'm a Celebrity ... Get Me Out of Here."
The broadcaster was taken to court by the RSPCA in Australia in December after two of the contestants caught a rat and killed it in a bid to feed their hungry teammates.
Celebrity chef Gino D'Acampo and soap star Stuart Manning were both charged with animal cruelty after the stunt in which the creature was served up with rice and beans. "I saw one of these rats running around," D'Acampo, who went on to win the show, said of the incident. "I got a knife, I got its throat, I picked it up."
The RSPCA said that killing a rat as part of a TV stunt was "not acceptable".
ITV said it had "apologized for the mistake" and was ordered to pay A$2,500 in fines.
Sky News, a British news outlet, reported on Monday that ITV admitted its production staff had given the go-ahead to a request to kill the rat.
The court was told that the rat took a minute and a half to die after being stabbed with a knife, which the magistrate said caused unnecessary pain to the animal.
"The production was unaware that killing a rat could be an offense, criminal or otherwise in New South Wales, and accepts that further inquiries should have been made," the spokesman said. "This was an oversight and we have since thoroughly reviewed our procedures and are putting in place a comprehensive training program to ensure that this does not happen in future series."
Contestants who ate the dish apparently enjoyed it; Hollywood legend George Hamilton described it as "actually quite nice."
"We all said it was like chicken but chickeny-beefy kind of stuff so it was actually very nice. If you kill it you should eat it," the actor said after leaving the show in December.
"I'm a Celebrity ... Get Me Out of Here" is reminiscent of the hit "Survivor" and pits contestants against each other in a knock-out contest that involves a series of scary and stomach-churning tasks in a remote setting. The second season of the American version, which aired in 2009, featured Heidi Montag, Spencer Pratt, "American Idol's" Sanjaya Malakar and Janice Dickinson.
-- Gerrick D. Kennedy (Follow me on Twitter @GerrickKennedy)

domain: news


text:
Museum für Literatur am Oberrhein,
The Museum of Upper Rhine Literature presents the variety of literary life on the Upper Rhine. Exhibitions like handwriting, first editions, letters, photography and audio artefacts are supplemented by modern media technology.
The purpose of the permanent exhibitions is to present literature in an aesthetic atmosphere with more than just glass exhibit cases. In addition to the permanent exhibitions, countless temporary exhibitions are featured regularly. These are supplemented by a comprehensive library with over 6,000 volumes of literature from the Upper Rhine region, as well as the Scheffel Archives, a collection passed down by Joseph Victor von Scheffel.


text:
The following is a broadcast e-mail just received from Ken:
Dear Friend ( Pardon a general letter as I only get a limited time on this borrowed laptop)
This is the ongoing saga of my detention ( 300 days) April Ist. 2012 to whatever.and charge of Human Trafficking and owning and operating
a bar in Angeles City.
In my latest note to friends I said that my attorney had submitted a plea for bail on the basis there was little evidence and I was no threat to
leave the country as I had surrendered my passport to the Australian Embassy and my hospitalization for a series of complaints rendered me
too incapacitated to go anywhere other than Angeles City.
Unfortunately this week the bail plea was denied. As of yet we only know of the decision and not the reasoning.
To add to my 2012 problems the Hospital Dee Wha Liong where I have been a patient for nearly 8 months, has gone bankrupt.( Them and me both.).
and power was being cut off. So they had to get a court order to transfer me to another hospital. As I owed this hospital and doctors
some 250,000 pesos I have had to sign a promissory note hoping that my family of friends can help pay this off in the future.The
Judge then said I had to go to a government hospital and I've
been transferred to ONA or Ospital Ng Angeles. also known as Rafael Lazatin . For those who like to visit it is near the market and
not far from most areas including Fields Ave. It is along Rizal St and near the main market.
The Judge has indicated that after 10 days here I should be fit enough to go back to jail.
The dilemma as I've pointed out is that I am fit enough to get house arrest - home treatment but that is not possible under the law.
My doctors have said in the past I am not fit enough to go to jail because under those conditions I would be exposed to conditions
that would exacerbate my asthma, cirrhosis, heart murmurs etc. So we have to wait and see.
As far as the case is concerned we are getting over the setback of bail refusal and heading to the next hearing on 29th. January when evidence is being given by
the police involved in my arrest. My lawyer is hopefully fast tracking the trial if you can call nearly a year fast tracking. At 75 nearly 76 it seems everyday is a year.
After the Police Evidence we should get to the stage of my defense. My attorney is confident he will get me acquitted and I pray I'll
have some time left to spend with my grandchildren.
I'm up for a lot of expense for hospital and medical, attorney's fees and just trying l live a basic life.
And finally like always I appeal to those who can afford to send me any help no matter how little.
I am still on the Australian Age pension though it has been reduced and any help can be given to me at the Hospital or in my pension account in Australia.

domain: law


At exactly midnight last night, Al Leiter became a free man.
Yesterday was the Mets’ deadline to decide whether to exercise Leiter’s $10 million option for 2005, and in the early evening, they announced they would not pick it up. Instead, the Mets bought out Leiter for $2 million, making him a free agent and allowing him to speak to any other team.
The Mets, of course, can continue to negotiate with Leiter, and they remain good bets to bring him back. But with Leiter on the market, other teams in the Northeast could make a play for him, including the Yankees, Red Sox and Phillies – all of whom are contending teams who could use a veteran lefty.
“No one has spoken to us yet,” Leiter’s agent, Randy Hendricks, said in an email, though he cautioned that Leiter was not going to be a free agent until midnight.
Leiter did not return a message seeking comment yesterday.
GM Omar Minaya and principal owner Fred Wilpon have said the Mets want to bring back Leiter, but it’s unknown how far they’d be willing to go or how much they’d be willing to pay. Leiter is 39, missed part of the year with shoulder tendinitis and averaged fewer than six innings per start. At the same time, he still remains an effective pitcher, winning 10 games and posting a 3.21 ERA.
Leiter is one of two uncertainties in the 2005 rotation (free agent Kris Benson is the other). The Mets would like to bring both back, but if they let one or both go, it would free up a spot and allow them to pursue a top free-agent arm like Carl Pavano or Derek Lowe.
The Mets have told Lowe’s agent, Scott Boras, they’d be interested in him, and they told Pavano’s agent, Scott Shapiro, they may talk to him once they know how their pitching situation is shaping up.
The Mets, who spent most of yesterday in a baseball operations meeting, also are trying to address their offense. They are expected to speak to Richie Sexson’s agent, Casey Close, soon to discuss the power-hitting free-agent first baseman.
Of greater interest for now, though, remains Sammy Sosa.
Indications are that the Mets and Cubs could eventually pull off a Sosa-for-Cliff Floyd swap, potentially in the next week. The Mets would want the Cubs to pay them additional money in the deal, and one scenario would have Chicago handing over several million dollars to offset the $21.5 million Sosa is owed in 2005 ($17M during the season with a $4.5M buyout for 2006).
Sosa also has an $18 million option for 2006 that automatically kicks in if he’s traded. His agent, Adam Katz, has inquired to the MLB players’ association about waiving it – which would make a trade more feasible – but a baseball source said yesterday that there had been no resolution yet. The source added that in order for there to be one, a specific contract modification would have to be presented to the players’ association.
Interestingly, right fielder Victor Diaz spent some time catching in the Dominican League Sunday. That could be another sign that the Mets could be preparing for a possible Mike Piazza departure.


SEF probe 38x30cm for a series of Tesoro uMAX detectors
SEF probe for metal detectors Tesoro Cortes, DeLeon, Golden uMAX, EuroSabre II and Silver uMAX
Price without VAT: €145.89
We recommend for the product
The Tesoro DeLeon RDS detector is built on the Cortese platform. However, it is structurally designed as a "Switch on and go" detector in the best possible quality of evaluation and discrimination.
The detector now comes with an electronics box cover, instructional DVD and base probe cover.
The best-selling Tesoro metal detector in the middle class, now model 2017 with new audio discrimination and a 28x20 RDS probe !!!
Legendary Silver metal detector from Tesoro , now with automatic Max Boost function to increase range.


text:
Paddle your way upstream with an organically designed mid-century style arm chair. While designed to portray a sportsmanlike sense of endurance, Pace also imparts a more gentle and natural message. Thoroughly a modern piece set in ancient times, when furniture was pieced together from the findings in one's own backyard, Pace's expansive yet branch-like solid ash wood armrests easily flow between both temporal extremes. The generously padded and spacious cloth cushions provide the perfect dugout for the ambitious soul who likes to sail the waves.
Dimensions: 30.5'' H x 32'' W x 27.5'' D
Material: Wood, fabrics.
Condition: This product has been used multiple times for staging projects and has some wear and tear. There may be small scratches and imperfections. Please feel free to contact us for detailed condition photos.
FINAL SALE, NO RETURNS
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Be the first to receive exclusive updates on new products and special discounts.

domain: design


text: Loss of blood and anemia have become common in patients after and during surgery; more than thirty % of sufferers going through moderate – to high-risk surgery knowledge a substantial drop in blood amounts. The standard response of a patient’s body during significant loss of blood is to improve cardiac result through increased heartrate to ensure adequate delivery of oxygen to organs. Related StoriesHeart strike individuals diagnosed and treated for diabetes encounter improved cardiac outcomesDeaths from avoidable risk elements: an interview with Dr Ali Mokdad, IHMESexual activity hardly ever causes center attackBeta blockers are accustomed to treat a number of circumstances, including high blood circulation pressure, heart attack, migraines and glaucoma. The medication functions to lessen the heart rate, reducing blood pressure consequently.Olaparib is usually one of a new class of drugs called PARP inhibitors and has been produced by AstraZeneca. Glioblastoma is the most common and the most aggressive form of brain cancer. The experts hope to display that olaparib will make temozolomide more effective against mind tumour cells. Experiments in the laboratory have been promising but this will be the first time that the combination of olaparib and temozolomide provides been trialled in individuals. The two-part trial will firstly determine if olaparib can reach human brain tumours by crossing the blood-brain barrier. This framework protects the brain by separating brain fluids from the blood that’s circulating around the rest of the body – nonetheless it can also stop some medicines from reaching their focus on.

domain: medical


text:
I made two models but one has a seam down the middle of the face that makes it look like it has a bad texture on it. The shading doesn’t interact well with the seam either. I don’t know what I did or how to fix it? The only difference I can find between my two models is that the one without a seam was made using “sphere” as the base and the one with a seam was made using “plane” as the base.
If using ‘plane’ as the base for my model is why it has an ugly seam down the middle, how do I make an existing model be made up of another shape? Is it possible to convert an already complete model to a sphere base(as if it had been built from a sphere from the beginning?) so that it no longer has this giant seam? How do I do this if so? And if that isn’t what causes straight-down-the-middle seams, what is and how would I fix that?


NHTSA CAMPAIGN ID: 14V683000
RECALL DATE: 2014-11-28
Nissan North America, Inc. (Nissan) is recalling certain model year 2012-2014 Nissan Juke, 2012-2013 Infiniti M56, QX56, and 2014-2015 Infiniti Q70 (V8 engine vehicles only), and QX80 vehicles. The fuel pressure sensors may not have been sufficiently tightened during production. As a result, the fuel pressure sensor may loosen with vehicle usage and cause a fuel leak.
A fuel leak in the presence of an ignition source could cause a vehicle fire.
Nissan will notify owners, and dealers will re-torque the fuel pressure sensors free of charge. The recall began on January 25, 2015. Owners may contact Nissan customer service at 1-800-647-7261.
FUEL SYSTEM, GASOLINE
Nissan North America, Inc.
- Great used cars for less than $10,000
- Owners say these cars aren't very good deals
- New Car Buying Guides
- Cheapest new automobiles in America
- Fastest-depreciating cars in the United States
- Find and compare 2017 Models
Research another vehicle
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- Land Rover


text:
There’s something for everyone at Broncos Leagues Club. Throughout the year the Club presents a monthly showstopper across all styles including tribute shows or original artists like The Wiggles, Killer Queen, Acca Dacca and more!
Presenting a diverse line up of award winning Australian and international artists and tribute bands throughout the year.
Our weekly magical mornings offer those out and about during the week complimentary entertainment plus a little bit of fun and frivolity.
The Broncos showroom also plays host to a number of special events including fight nights, public fundraisers, and Broncos lunches.

domain: entertainment


This is an excellent Nylon Lycra Leotard from Tappers and Pointers. It is sleeveless with a ruched front and comes in many stunning colours, making it a great leotard for shows, lessons and auditions.
• Rouched front
• Fabric: 80% Nylon, 20% Lycra Elastane
• Also available in Adult's Sizes
Model: LEO 2
Colours available: White, Cerise Peony, Red, Navy, Kingfisher, Sky, Purple, Vert Green, Pale Pink, Deep Lilac and Burgundy.


text:
Ask for one of our Sales Team on 1300 122 263 if you would like someone to visit your premises to put a quote together on a range of our products.
Mrs Crockets Creamy Potato Tub 800g
Item Code: 53-MCCP800
- Always read the label.
- Use as directed.
- Cooked Pasta(49%)[Water, Durum Wheat Semolina], Dressing(31%)[Vegetable Oil, Vinegar, Stabiliser(1)(Sugar, Salt, Vegetable Gums(412,415,460), Thickener(1422), Food Acid(330), Colour(160a)), Water, Egg Yolk, Sugar, Stabiliser(2)(Inulin, Vegetable Gums(412,415)), Dijon Mustard (Acidity Regulator(260)], Carrot, Sour Cream(4%), Capsicum, Onion, Celery, Cheese, Shallot, Parsley, Food Acid(Lactic)
Note: Prices include GST (where applicable)

domain: food


text:
Nigerians anticipate the provision of new card reading meters to consumers to alleviate the problems of excessive billings under the connotation of ‘estimated billing’ among other sharp practices in the nation’s power system.
The Nigerian government was compelled to implement radical actions leading to the enactment of electric power sector reform act of 2005, which called for unbundling the national power utility company into series 18 successor companies, 6 generating companies (GENCOs), 12 distributional companies (DISCOs) covering all 36 Nigerian states and National Power Transmission Company. These reform measures have since remained a continuum for the sole purpose of developing the electrical sector of the nation to a global standard that will in furtherance enable the country develop her industries and economy to reasonable heights.
Hence, the formation of Nigerian Electricity Regulatory Commission (NERC), tasked with the assignment of monitoring and regulating the electricity industry, with issuing of licences to market participants and ensuring compliance with market and operating guidelines. Thus, the idea of local distribution companies came into cognizance, with each company responsible for handling electricity distribution in each state or region.
As a result of incessant complaints from consumers and firms/ institutions for what is termed CRAZY BILLS, the general public has put-up an aggressive request for a metering method that would allow for adequate reading of consumption rate of customers as utilized and transparent accordingly.
Similarly, Mr. James Chijioke, President Electricity Consumers Association of Nigeria has alleged that there was need for NERC to impose sanctions on DISCOS that did not provide pre-paid meters to their consumers as a sign of transparency and seriousness in dealings.
Indeed, anything short of these give credence to insinuations that NERC and the DISCOS are benefiting from the shortcomings of consumers who are at the receiving end, hence they should stop deceiving the public.
Although, Mr. Kosoko, the EKO distribution Plc, Apapa DISCO spokesperson revealed that the Eko DISCO had on their own discretion, single handedly released 1000 pre-paid meters to consumers within their catchment area.
He noted that it was not enough and assured that the company was planning to do more.
The perennial problem of prepaid meters across the nation and consequent harsh electricity charges via high estimated billing system has been noted as a major limiting factor to private sector investment in the gas-to-power sector of the nation’s economy.
According to experts in the gas sector, the fact that electricity tariffs are not market reflective have prevented genuine investors from venturing into the business as they cannot ascertain how much income could be generated from power.
All hands must be on deck in this major national dilemma of prepaid meter. The Federal Governmnent, NERC, GENCOs and DISCOs must live up to the expectations and fix the national issue.


text:
January's coming to an end, and what a beginning to the year it's been! Technically 2013 is only just getting started, and we've already been on a rollercoaster ride when it comes to news - both good and bad.
Some of our favourite artists have hinted, teased and - rarely - confirmed various events. We've got albums to look forward to this year that we wouldn't even have dared to imagine, and the amount of rumours flying around about live gigs are getting out of control.
Glastonbury looks set to make a triumphant return, and the festival season is really hotting up with announcements from Bestival, Primavera and Coachella. Plus, some up and comers are really giving us reason to look out for them.
So if you can't remember the month, just take a look through our gallery to refresh your memory...


In a brief summary of Moddy’s analysis:
- We are revising up our outlook for real GDP growth this year to nearly 7% and to over 5% next year. If we are right, and there’s good reasons to believe we will be, this will be the strongest two years of growth since 1950-1951 at the height of the post-World War II economic boom.
On inflation and the Fed:
- Inflation is picking up.
- Spiking commodity and industrial prices should also settle down later this year as the supply-side of those markets rebound and scrambled supply chains are straightened out. Having said this, inflation is unlikely to moderate as much as Fed Chairman Jerome Powell seems to be suggesting
- labor markets remain tight and wage growth strong
- Inflation expectations remain anchored, which assuages concerns that inflation will become undesirably high, but inflation appears set to accelerate more quickly than the Fed seems to think.
The median forecast of the federal funds rate by members of the central bank’s Federal Open Market Committee puts the first rate hike after 2023.
- we expect them to accelerate their plans for the first rate hike as it becomes clear that inflation will be higher much sooner than they anticipate. Indeed, we expect Powell to begin preparing financial markets for a tapering of the Fed’s quantitative easing (bond-buying) program once it is certain the U.S. has achieved herd immunity, which we anticipate by the late July meeting of the FOMC. The actual tapering of QE will begin with the committee’s January 2022.


Turtle Canyon Snorkeling in Waikiki (Lunch Included) Hula Performance
- Live Guide
- Instant Confirmation
- 2 hr
Experience the delight of peaceful sea turtles cruising in their natural environment, the beauty of the clear blue Hawaiian sea. Board the double-decker boat and explore its wraparound seating and Titanic-style front railing. Keep your eyes on the horizon for sightings of Hawaiian spinner dolphins, or humpback whales in winter. Great for all ages and levels of swimming experience, our tour is led by a knowledgeable, water safety trained crew.
Operated by: Ocean and You
As we explore the blue waters in search of "Honu" Hawaiian sea turtles, take in the views of Diamond Head and the Waikiki shoreline. The crew will share facts about each of these beautiful sights along the way.


Courtney Bingham, who has been dating the 53-year-old rocker since 2010, took to the stage at the DTE Energy Music Theater in Clarkson, Michigan on Thursday (06Sep12) during a rendition of the group's hit Girls, Girls, Girls and stripped off in honour of her 27th birthday.
Sixx subsequently praised his partner's efforts in a post on his Facebook.com page, writing, "It was... a blast for me watching Courtney get all excited to dance on stage with our background dancers for her b day (sic). She really kicked a** too. Life is good..."
The stage appearance wasn't Sixx's only treat for Bingham, who turned 27 on Wednesday (05Sep12) - he also filled the band's tour bus with silver and white balloons and presented her with a personalised birthday cake.


text:
The Decade of Design is a ten year, internal AIA pledge that will document, envision, and implement solutions related to design of the urban built environment in the interest of public health and effective use of natural, economic, and human resources. This CGI Commitment to Action will establish the program, lay the groundwork for the full ten year effort, and cover the first two years of the decade-long program. Over the first two years there are three key approaches that will be pursued.
The first is funded research. With a major interest in supporting interdisciplinary university-based teams, projects thus far selected for the 2012-13 year include: measuring the health effects of a new walkable community in Texas, food scenario planning for Fayetteville, Arkansas, and creating a university level cross-discipline curriculum on healthy community development. In addition, the College of Fellows 2013 Latrobe Prize aligns with the focus of this Commitment with their support of research that addresses 'Architecture at 7 Billion.' And additional projects will be funded over the course of this Commitment.
The second approach mobilizes interdisciplinary university teams to engage with community and professional partners in one selected city the first year, with more chosen over the coming years, to address a complex problem and provide actionable solutions through a collaborative community planning process (charrette), using design-thinking and technology innovation. The C40 Cities have been identified as those cities that will be targeted for inclusion in the program with a selected jury of practicing and academic architects selecting the best proposal after a public RFP process. Design thinking is a way of understanding and illuminating fragmented ideas into a holistic structure that takes into consideration the context of the problem, creative insights and solutions, and a rational analysis of contextual solutions. The charrette process will be led by a university team and will include a multidisciplinary group of experts that can provide the city with an action plan for positive solutions in the realm of sustainability, health, and/or resiliency. The outcome of the charrette is implementable solutions that will be presented to the city in a public community-wide meeting. The ultimate goal is to use the charrette as a lab for change that can radiate outwards.
The third part of the commitment draws on the idealism, technological aptitude, and collaborative spirit of university students, by creating a 'Show Us Your APPtitude Hackathon' focused on the city in which the charrette will take place. The hackathon springboards from the charrette by providing smaller scale and more immediate design and technology solutions related to the challenges and recommendations identified in that process. This event and competition will focus energy, imagination, and creativity in service of smarter cities that support thriving citizens and potentially unleash solutions that can be taken to market. A panel of experts from the private sector will judge and help activate the products presented and awarded.
Decade of Design will unfold over the course of ten years, but this Commitment to Action only covers the first two years. Currently there are three approved research projects that will run from 09/2012 - 08/2013. The charrette and hackathon preparatory work will start 09/2012 with the goal of completion by 05/2014. Additional research projects and related activities will be launched as development funds allow, with a goal of a ten year sustained research effort that focuses on creative solutions to the diverse challenges of urban communities.
Initial research studies: Projects and teams are selected. Work and monitoring begins 09/2012, final report 08/2013.
Charrette and Show Us Your APPtitude Hackathon: 09/2012 - 12/2012 - Connect with university and municipal leaders and practitioners to refine the challenge and RFP. Reach out to potential partners for participation and funding. Create RFP and release it through the ACSA - 01/2013. Goal is to have the jury select the winner 05/2013 and begin program 09/2013.
College of Fellows Latrobe Prize: This group is composed of AIA members who have been recognized by their peers for outstanding professional achievement. The Latrobe Prize for research has been granted every two years by this group since 2000. This year's research grant aligns with Decade of Design focus and will support a project that has long-range potential to solve one or more of our 21st century built environment challenges. The RFP for
'Architecture at Seven Billion' is open now. Proposals considered 10/2012 - 03/2013. Recipient selected 03/2013. Project completed 12/2014.
Communities around the world are concerned with livability and quality of life issues including health, safety, the efficient use of natural resources, economic opportunity, and resiliency. The built environment is a key factor, and its design makes a significant difference. Thriving communities are encouraged by design frameworks that support walkable communities, access to light, nature and nurturing food, as well as healthy buildings that support the needs and functions of the community and opportunities for social connectedness, among others. With buildings accounting for a significant percentage of the world's energy use, resource-efficient design strategies are critical to our future well-being. Growing urbanization presents critical needs and opportunities for creative solutions, and this is where architects can make important contributions. Architects are trained to use design thinking that synthesizes fragmented parts into a coherent whole, to integrate a variety of needs and voices, to creatively solve problems in a practical way, and to bring ideas alive. With this perspective, architects play a pivotal role in supporting the well-being of our cities and communities, and working with community stakeholders, as well as those from other professions (such as medicine, business, agriculture, engineering), meaningful solutions unfold. The American Institute of Architects, the leading professional association for over 80,000 architects, emerging professionals, and allied partners, is committed to joining with like-minded organizations to activate positive real-world solutions that support healthy communities, efficient use of natural resources, and resiliency to natural events.
The Commitment to Action will build on long-standing AIA programs and leverage the organization's strength by tapping into existing networks established through state and local AIA chapters; Design Assistance Teams that work with communities to create broad based solutions; awards and grant programs through College of Fellows and knowledge communities that fund targeted work; policy development and advocacy outreach to affect change; and pro-bono initiatives through local components, young architects, and member firms. This commitment also builds on a strong partnership with the Association of Collegiate Schools of Architecture (ACSA), which provides a global network of schools working at the forefront of research on this subject.
Seeking financial and sponsorship support, as well as collaboration from municipalities, companies, universities, organizations active in urban planning, health, education, transportation, building products, infrastructure, technology, smart cities, or public/private partnerships. Interested to include wide range of perspectives, voices, and talents to activate urban solutions that support thriving communities for the future. In-kind participation is welcomed, including media documentation of charrette and/or Show Us Your APPtitude Hackathon.
The American Institute of Architects is interested in supporting commitments that address design interventions to support healthy, resource efficient, resilient communities. This includes best practice information, collaboration on ideas, implementation, and promotion.


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Team Health Holdings Inc. (TMH) Receives Consensus Recommendation of “Buy” from Analysts
Team Health Holdings Inc. (NYSE:TMH) has earned a consensus rating of “Buy” from the eighteen brokerages that are presently covering the stock. One research analyst has rated the stock with a sell rating, six have assigned a hold rating and eleven have given a buy rating to the company. The average 12 month price objective among brokers that have updated their coverage on the stock in the last year is $47.69.
TMH has been the topic of a number of research analyst reports. Canaccord Genuity reiterated a “buy” rating and set a $52.00 price target on shares of Team Health Holdings in a report on Wednesday, September 7th. Stifel Nicolaus reiterated a “buy” rating and set a $43.00 price target (down previously from $48.00) on shares of Team Health Holdings in a report on Friday, September 9th. Mizuho lowered their target price on Team Health Holdings from $47.00 to $38.00 and set a “neutral” rating on the stock in a research note on Friday, August 5th. Citigroup Inc. began coverage on Team Health Holdings in a research note on Monday, September 26th. They issued a “neutral” rating and a $36.00 target price on the stock. Finally, JPMorgan Chase & Co. lowered their target price on Team Health Holdings from $47.00 to $45.00 and set a “neutral” rating on the stock in a research note on Friday, August 5th.
Shares of Team Health Holdings (NYSE:TMH) traded up 5.19% during midday trading on Tuesday, reaching $39.50. The company’s stock had a trading volume of 980,111 shares. Team Health Holdings has a 12 month low of $30.83 and a 12 month high of $63.56. The stock’s 50-day moving average is $34.67 and its 200 day moving average is $40.08. The stock has a market capitalization of $2.93 billion, a P/E ratio of 65.40 and a beta of 1.18.
This story is the sole property of American Banking News and it was originally published by American Banking News. If you are reading this story on another website, that means this article was illegally copied and re-published to this website in violation of U.S. and International copyright law. The original version of this article is available at https://www.americanbankingnews.com/2016/10/18/team-health-holdings-inc-tmh-receives-consensus-recommendation-of-buy-from-analysts.html
Team Health Holdings (NYSE:TMH) last issued its quarterly earnings results on Tuesday, August 2nd. The company reported $0.66 earnings per share for the quarter, beating analysts’ consensus estimates of $0.65 by $0.01. Team Health Holdings had a return on equity of 29.71% and a net margin of 0.74%. The business had revenue of $1.12 billion for the quarter, compared to the consensus estimate of $1.17 billion. During the same quarter in the previous year, the company posted $0.70 earnings per share. Team Health Holdings’s revenue for the quarter was up 27.9% compared to the same quarter last year. On average, analysts expect that Team Health Holdings will post $2.68 earnings per share for the current fiscal year.
Several institutional investors have recently bought and sold shares of TMH. Howe & Rusling Inc. boosted its position in Team Health Holdings by 31.1% in the second quarter. Howe & Rusling Inc. now owns 2,640 shares of the company’s stock valued at $107,000 after buying an additional 627 shares during the period. First Mercantile Trust Co. boosted its position in Team Health Holdings by 15.9% in the second quarter. First Mercantile Trust Co. now owns 3,060 shares of the company’s stock valued at $124,000 after buying an additional 420 shares during the period. BNP Paribas Arbitrage SA boosted its position in Team Health Holdings by 711.6% in the second quarter. BNP Paribas Arbitrage SA now owns 3,206 shares of the company’s stock valued at $130,000 after buying an additional 2,811 shares during the period. Tower Research Capital LLC TRC boosted its position in Team Health Holdings by 155.7% in the second quarter. Tower Research Capital LLC TRC now owns 4,094 shares of the company’s stock valued at $167,000 after buying an additional 2,493 shares during the period. Finally, Pacer Advisors Inc. purchased a new position in Team Health Holdings during the second quarter valued at approximately $199,000.
About Team Health Holdings
Team Health Holdings, Inc (TeamHealth) is a provider of outsourced healthcare professional staffing and administrative services to hospitals and other healthcare providers. The Company operates through four segments: Hospital Based Services, IPC Healthcare, Specialty Services and Other Services. The Hospital Based Services segment provides healthcare service programs to users of healthcare services on a fee for service, as well as a cost plus or contract basis.
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Hawaiian Cole Slaw adds a fruity, spicy, island twist to that all-American picnic essential. In addition to adding zing to barbecue, it brings a summery, polynesian flavor to grilled chicken kabobs, veggie burgers or fish tacos.
- as a sandwich topper serves 12-14, as a side, 6-8.
- 1 bag pre-shredded cabbage for cole slaw
- 1 small can tropical fruit salad, drained
- 1/3 cup Litehouse Jalapeno Ranch dressing (it's refrigerated in your grocer's produce section)
- 1 teaspoon water
- Cilantro to taste
- Toss together all the ingredients in a medium bowl. Cover and refrigerate until ready to serve.


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Edinburgh’s absence this year is hard to bear, comedy critic says – it’s the greatest show on earth
Edinburgh is a jamboree of entertainment, art,
The movies have their Oscars. Rio has its carnival, football its World Cup. And the performing arts have Edinburgh. Or, they had Edinburgh. It’s hard to overstate the importance of the city’s festivals – mainly, its fringe – to the comedy and theatre...
Read latest The Guardian - The Guide online.
Newspapers from UK
Newspapers in English


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The way we wear a piece of fabric speaks volumes about one’s style then the garment itself. This Fall Knotted scarfs, Mules and Woven cape wraps are a must have for creating a statement.
“CAPE OF GOOD HOPE “
Don’t miss the eclectic Cape Wrap at Alexander McQueen. An extra layer will just add to your class.
The printed scarfs which have been crafted in Italy with lustrous Silk twill and colourful blooms give a very vibrant look to the dark and warm colours setting for the autumn season.
“TONGUE IT OUT”
The sleek yet casual mules this Fall echo a very androgynous look and feel ,which can to be teamed up with pants of all sorts.
When talking about a structured silhouette the box bag has been impeccably crafted, it certainty fulfills ones need by being light weight yet spacious.

domain: artistic


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Why No One Talks About Experts Anymore
Why Water Softeners are Important
The removing of materials such as calcium and magnesium that lead water to be hard is known as water softening. A water softener is therefore basically a unit that is used in the water softening process. There are a couple advantages that a water softener brings at home as a result of having the water soft, the following are among the advantages.
A lot of soap or shampoo is used on hard water to that lather can be formed due to usage of hard water. Less soap and shampoo is used when a water is passed through a water softener since the materials are completely removed and hence easing lather formation. It allows for a lot of lather to be formed by using a little soap. Hard water do not allow for clothes to be soft since the materials in it get trapped in the clothes and hence prohibiting them to be soft. As a result of clothes not being soft, then they do not last longer or stay white like they should be. But using a water softener, soft water enables for clothes to be soft, can last longer and even still remain white because there is absence of minerals and hence facilitates easier cleaning.
Moreover, hard water consumes a lot of time in heating and hence resulting to usage of a lot of energy which consequently leads to an increase in the bills. However, a water softener has made it possible for the bills to be significantly reduced since less energy and less time is used in heating of soft water, this is because there are no minerals that cause the difficulty in heating. It is also noticeable that using hard water reduces the lifespan for the water-using appliances, this is as a result of clogging of the materials hence reducing the functionality of the appliances. However, a water softener reduces such risks since by removing the minerals the span of appliances increases and therefore leading to a reduced cost used in repairing them every month.
Additionally, a water softener also has a provision of health benefits such as enabling the hair and skin to be cleaner and softer. The hard minerals that clog in the water-using appliances is so harmful to the human body since a lot of the minerals is consumed. Though magnesium and calcium are important to the body, too much of it is bad for human consumption, mineral water therefore doesn’t benefit the human body.
Finally, a home is able to glow and shine more by having hard water softened using a water softener. It is notable that hard water forms scales on surfaces due to the minerals present in it, this therefore leads to the house not shinning since all the surfaces are coated with scales. It can be easily noted that home surfaces are left cleaner for longer by using soft water. A home therefore has a variety of advantages to get from using a water softener.

domain: chemistry


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An “outstanding” headteacher has been credited with turning round the fortunes of a struggling primary school.
In just over a year as executive headteacher, Tom Verity has led Spalding Primary School from a “requires improvement” rating by education watchdog Ofsted to “good” in all areas.
In its report, Ofsted said “rapid action” since Mr Verity’s arrival in December 2012 had led to “significantly improved teaching,” and “good progress” in reading, writing and maths.
But Ofsted also said progress was needed in other subjects and “effective systems” were needed to monitor staff and pupils’ progress with the sports funding it receives.
The school, in Spalding’s Woolram Wygate, was in the doldrums after a “satisfactory” report – meaning it needed to improve – at the end of 2012 was quickly followed by its headteacher Diane Scott going off sick.
Mr Verity was drafted in to the role of executive head in a two-year collaboration with Pinchbeck East Primary.
As headteacher of the Pinchbeck school he had been pivotal in the school achieveing an “outstanding” rating in 2012 – just a few short years after it was placed in special measures.
He now holds the title of exceutive head for both schools.
He said: “It’s been a real team effort and we’ve moved forward in the past year by focusing on teaching and learning, making sure there is a consistent and cohesive approach to both.
“We strive to improve all the time and it’s not something we do just because Ofsted has been here.
“We are all committed to seeing Spalding Primary School move forward and ultimately to it being recognised as an ‘outstanding’ school.”
In their report on Spalding Primary School, Ofsted inspectors Vivienne McTiffen, Janet Watson and Mike Williams rated it good in all areas.
The report said: “Rapid action taken by leaders since the previous inspection (in September 2012) has significantly improved teaching and raised pupils’ achievement.
“Pupils now make good progress in reading, writing and mathematics, teaching is good and teachers make sure that work matches the range of ability in the class.
“They have high expectations of pupils’ learning and behaviour, pupils say they feel safe and there is a strong sense of community where pupils and staff are valued.
“Not all pupils do as well in writing as they do in reading and mathematics, but teachers’ marking is better in English and mathematics than it is in other subjects.
“The headteacher is the driving force behind improvement, he has united staff at all levels in a comon sense of purpose and they are fully involved in moving the school forward.
Meanwhile, in a joint letter to parents, executive headteacher Tom Verity and chairman of governors Paul Sharman said: “We are, of course, delighted with the outcome (of the Ofsted inspection) which reflects the hard work and dedication of all the staff, governors and pupils at the school. “We have come a long way in a very short period of time and we are determined to continue our drive towards being recognised as an outstanding school. “We are very proud to be able to say that Spalding Primary is now a ‘good’ school.”


When your hot water runs out fast, you might be able to find a solution. Here are a few reasons it could be happening.
A hot shower can be both therapeutic and a way to naturally clean yourself. Once hot water runs out, a burst of cold water can shock you. When you’re a busy homeowner, you always want an easy solution for long hot showers.
A variety of factors affect the amount of hot water you have to use, including the type of water heater, size of the tank, temperature of the shower, the rate at which the tank reheats, and flow rate of your showerhead.
Hot water runs out fast for a variety of reasons
In a house, many reasons might be to blame when hot water runs out faster than average, but here are just a few: rusty pipes, power supply problems, sediment, a blown pilot light, broken dip tubes, etc.
● Deposition of sediment
The sediment building up inside the tank is likely causing your hot water to drop efficiently and last less than it used to. If this change has been gradual, there is a chance you may have sediment build-up.
Over time, dissolved minerals from your water will settle on the bottom of your water heater tank, and the capacity can be reduced. This is due to the accumulation of dissolved minerals and sediment within the water heater.
You may be wondering what the best way to maintain your water heater is if you have a 40-gallon tank with a sediment build-up of 5 gallons and only 35 gallons of water in it currently is.
● Mini Water Heater
If you notice that your water heater is not big enough for your house or needs, it may also be why you are not getting enough hot water. If the heater was installed yourself, this might be the case.
To determine what size is appropriate for your residence, you should consult an expert. It would be best to consider that some tankless systems offer a constant supply of hot water.
● Dip tube broken
A dip tube likely broke if you have been experiencing temperature issues more recently. If this is the case, you should be looking for tiny pieces of plastic that you may find in your shower head, in drain strainers, or even on the screens of your appliance filters to check.
It is likely that the dip tube of your water heater is damaged if you find plastic pieces. To get the water heated up, it is sent to the bottom part of the tank, where it receives the heating. The cold water tends to stay at the top of the pipe when it breaks, but hot water comes out of the bottom instead.
Moreover, because it is not below to be heated, it stays cold for a more extended period. You may wish to contact a professional to confirm that the dip tube needs to be replaced if the problem persists.
● Thermostat not working
A thermostat is not only in your home but also in your water heater. It would be best if you tried to reset your water heater thermostat every time you run out of hot water.
It is worth checking your water heater’s thermostat temperature to see if the temperature is set wrong if the problem persists. If this does not solve the problem, you may need to contact a plumber to ascertain the source of the problem.
● Hot water runs out fast because it’s reheating too slowly
There is a good possibility that you are experiencing problems only when you take unusually long showers or when guests are over. In this case, the problem is probably the recovery time of your water heater.
In the chance of back-to-back showers, the hot water can be drained from the tank, resulting in a long wait until the water is reheated again.
Conclusion to Why Hot Water Runs Out Fast
When your hot water runs out fast, you might be able to find a solution with Custom Plumbing! Think about installing a tankless water heater if you never want to run out of hot water. In addition to ensuring that you always have an unlimited supply of hot water at hand whenever you need it, you will also be able to operate multiple appliances – and even several showers –all at once. Also, tankless water heaters last longer than conventional models and save you more money over time.


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A traditional certificate of deposit (CD) offers a higher interest rate than you’d typically find in a savings account. This interest is in exchange for leaving your deposit in the CD for an established time period, such as five months or five years. A CD’s benefits include a predictable return and insurance by the federal government for up to $250,000.
But even if your deposit partially or entirely insured, is it a good idea to put thousands or millions into a CD? Will a bank allow you to do so? Before you dump your life’s savings into a CD, consider how much money you can put in a CD and develop a strategy to grow your funds.
- Banks and credit unions can set maximum limits on CD deposits or your account totals.
- Your CD can be insured for up to $250,000 by the FDIC or NCUA
- If you want to put a lot of money into CDs, you can investigate jumbo CD accounts or multiple CD accounts across different banks
- CDs can diversify your savings and tend to offer low reward and low risk—but inflation can eat away at your interest earnings and principal
Maximum CD Deposit Amounts
Each financial institution will have its own rules about maximum CD limits, account limits, and deposits. Banks and credit unions can set a variety of limits for CDs or your accounts, including:
- Per CD account: For example, no more than $1 million to $99.99 million in a CD
- Per CD account type: For example, no more than $1 million in a high-deposit or jumbo CD, or no more than $8 million in a CD for three, six, or 12 months
- Cash across accounts: For example, no more than $3 million across checking, savings, and CDs.
- Per funding approach: For example, you might be limited to $250,000 or $350,000 if you fund your CD by electronic transfer or enroll online, or $2 million if you fund with a check.
CD Deposit Insurance
However, even if a financial institution doesn’t set a limit for your CD, it’s wise to consider federal insurance limitations. Generally speaking, like other deposits at a bank, the FDIC insures your CDs for up to $250,000. Deposits at federally insured credit unions are insured for up to $250,000 by the National Credit Union Administration. These limits are per account type—so if you as an individual have a CD and a checking account that add up to $270,000, then $20,000 is likely not covered because it exceeds the $250,000 limit.
The FDIC’s Electronic Deposit Insurance Estimator (EDIE) allows you to see how federal insurance applies to your accounts, including CDs.
You can maximize federal insurance coverage with large amounts of cash in one of two ways:
- Different bank accounts: The simplest method is buying various best-rate CDs across different banks or financial institutions. Each bank, in theory, has insurance coverage up to $250,000. So you could have an insured $250,000 CD in ABC Bank and another $250,000 CD insured at XYZ Bank.
- Different account owners: You can use more sophisticated methods to create different ownership types. For example, you could put some CDs in revocable trust accounts, retirement accounts, or corporation accounts, as a few examples. Each account type can benefit from coverage up to the FDIC insurance limits of $250,000. However, trust or other account types may require more paperwork to establish, and the tax implications and terms are much more complex than CDs.
Options for Investing a Lot of Money In CDs
If you want to invest in a certificate of deposit, here are some options to consider.
A jumbo CD requires a much larger minimum deposit than a standard CD, such as $100,000 or more. It has two primary advantages: it’s low-risk and it typically (but not always) pays a higher return than a standard CD. A disadvantage is that your money is relatively inaccessible until the CD matures. Also, while the interest rates on jumbo CDs are higher than those paid on standard CDs, they are still are relatively low compared—0.40%-0.50% APY, for example—to the returns you may get from stocks or a fund.
Brokered CDs are issued by banks but purchased through investment brokerages. A brokerage firm buys a large “master” CD from a bank. It then divides up the master and sells the pieces to its customers (investors). Each investor obtains an ownership interest in the master CD.
While brokered CDs often have long maturity dates (up to 20 years), customers can sell them on the secondary market rather than waiting until they mature. These products are riskier and more complex than standard CDs, so they typically pay a higher return but also carry the risk of loss. Before you buy a brokered CD, make sure it’s insured by the FDIC (not all of them are).
Many banks and credit unions offer increasing interest rates for higher minimum balances. For example, you could earn more by putting $1 million into a CD. However, weigh the percentage rate against possible loss of your funds—at least $750,000 of that $1 million won’t be FDIC insured. It may be better to distribute your $1 million into 4 FDIC- or NCUA-insured CDs at different financial institutions.
A third option is to divide your money into multiple CDs with different banks. This approach can help ensure you don’t exceed the $250,000 per-bank FDIC limit. Also, dividing up your money can help you maximize your investment. For instance, you could deposit some of your money in a standard CD and the rest in a brokered CD.
Alternatively, you could create a CD ladder, an investing technique in which you combine shorter-term CDs with longer-term ones. Say you have $500,000 to invest. You could purchase five CDs at five different banks, one maturing in 12 months and the other four at 24, 36, 48, and 60 months. Laddering allows you to benefit from the liquidity afforded by short-term CDs and the higher interest rates provided by longer-term CDs.
Can You Add Money to a CD?
Most traditional CDs do not allow you to add or withdraw money from your CD. It’s held at a fixed rate, amount, and length of time until the term expires. These CDs often offer many different term types and higher interest rates than others, including add-on CDs.
Add-on CDs or “add-on certificates” allow you to add money to the CD's principal. They may be in more limited term types, such as 12-month or 24-month, although some offer many different term lengths. Add-on CDs can be opened with as little as $25 at some financial institutions.
Read the fine print associated with any add-on CDs’ limitations, including daily or monthly transfer amount limits. Ask what happens to your rate when your CD balance rises into a new balance tier, as higher tiers are usually associated with higher interest rates. Does your interest rate stay fixed at the lower level, increase along with the balance, or increase only at rollover?
How Much Should You Put in a CD Account?
How much money you should invest in a CD depends on your tolerance for risk, your need for cash, and your financial goals. CDs are considered one of the safest options for saving and are a good choice for if you’re risk-averse.
Before you decide on a CD, consider how much cash you can comfortably do without. You should also consider what you’re saving the money for. If you have a short-term goal, like buying a new car or taking an overseas trip, you should invest enough funds to satisfy your objective. You should also pick a CD that matures before you’ll need the money. You don’t want to tie up money in a five-year CD if you plan to spend it in a year.
However, locking all of your savings into a CD rarely makes sense for most people. Instead, think about CDs as part of an overall strategy that includes other asset types. Saving money with CDs might make sense if you have a well-funded liquid emergency account, CD rates are equal to or higher than inflation, and you can risk losing the money.
Growing your money more assertively for a distant goal like retirement will require investments in bonds, stocks, real estate, and other assets that don’t guarantee a return but tend to offer higher returns over time.
Frequently Asked Questions (FAQs)
How do I know when I’ll be able to take money out of a CD?
The CD’s terms and conditions will determine when you can take money out of your account. Most CDs require you to wait until maturity before withdrawing your money. If you take money out too soon you could be hit with an early withdrawal penalty.
What is the minimum amount of money you can put into a CD?
The minimum deposit amount varies widely and depends on the type of financial institutions and CD. Some CDs can be opened for as little as $25, while others may take $1,000 or more. Jumbo CDs, for example, might require a minimum deposit of at least $100,000.
Want to read more content like this? Sign up for The Balance’s newsletter for daily insights, analysis, and financial tips, all delivered straight to your inbox every morning!

domain: economics


Trust services comprise the following electronic services, which are normally provided for remuneration:
Data in electronic form, which are attached to or logically associated with other data in electronic form and which is used by the signatory to sign.
Types of electronic signature:
- A qualified electronic signature is an advanced electronic signature, that is created by a qualified electronic signature creation device (QSCD), and is legally equivalent to a handwritten signature. It is based on a qualified certificate for electronic signatures, which is issued by a qualified trust service provider.
- An advanced electronic signature is an electronic signature which meets the following requirements:
- It is uniquely linked to the signatory and is capable of identifying the signatory.
- The private key which created it, is under the sole control of the signatory.
- It is linked to the data signed therewith in such a way that any subsequent change in the data is detectable.
- The signatory can only be a natural person.
- A qualified electronic signature is recognized as having the equivalent legal effect of a handwritten signature in all Member States.
In the digital world, a qualified electronic seal serves the same function as the seal of legal persons. It enjoys the presumption of integrity and of correctness of the origin of the data to which the qualified electronic seal is linked.
An electronic time stamp confirms that an electronic document had a specific form and content at a particular point in time.
A service that makes it possible to transmit data to third parties by electronic means and provides evidence relating to the handling of the transmitted data, including proof of sending and receiving the data, and that protects transmitted data against the risk of loss, theft, damage or any unauthorized alterations.
A certificate that makes it possible to authenticate a website and links the website to the natural/legal person to whom the certificate is issued.
A qualified validation service confirms the validity of a qualified electronic signature or seal and delivers the result of the validation process to relying parties in an automated manner, signed with the advanced electronic signature or advanced electronic seal of the provider.
It makes it possible to preserve the evidential value of electronic documents which bear a qualified electronic signature or seal, even if, for example, the encryption algorithms used for the creation of said signature or seal are no longer considered secure.
EETT keeps a registry of trust service providers (qualified and non-qualified) and is the competent authority for their supervision. Qualified providers must meet specific requirements and the qualified trust services they provide are recognized across the European Union (irrespective of the Member State in which the providers are established).
It should be noted that EETT is only responsible for approving the implementation of the remote identification method of natural persons for the purpose of issuing a trust service certificate. EETT is not responsible for electronic identification issues concerning access to online public services.


The first round of the Class A football playoffs are in the books, and the teams are gearing up for the quarterfinals this Friday.
Omaha Burke vs. Lincoln Southeast
Top-seeded Omaha Burke will take on No. 8 Lincoln Southeast after defeating Papillion-La Vista in the first round last week. The Knights come into the matchup off of a win over Lincoln Southwest.
Omaha Westside vs. Millard West
Millard South vs. Grand Island
On the other side of the bracket, second-seeded Millard South will take on No. 7 Grand Island Friday night at Buell Stadium. The Patriots downed Lincoln Pius X in the first round, while Grand Island took care of business over defending state champs Omaha North.
Elkhorn South vs. Bellevue West
No. 11 Elkhorn South shocked Lincoln High last week to advance to take on No. 3 Bellevue West. The T-Birds took down Kearney last Friday.
Who do you think will take home the Class A Football State Title this year? Vote for your school below!


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Stay cool when the mercury rises. Our running bottoms for women with HeatGear® fabric are incredibly lightweight and breathable, so you stay dry and light on your feet, even when you're working up a sweat.


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Having previously performed in three music videos for songs from Sia's album 1000 Forms of Fear — that's "Chandelier," "Elastic Heart," and "Big Girls Cry" — Dance Moms success story Maddie Ziegler features in the new music video for "Cheap Thrills," from Sia's latest record This Is Acting. She's dancing up a storm in one of her fave Sia wigs (and matching gloves), accompanied by two male backing dancers and their bulges. And Sia's actually in this video too, for once — she's there in the background for most of the video, bewigged and shadowed, but presumably singing along and enjoying the choreography because it's just wonderful. Let's all learn it and take over the nearest dance floor this weekend, please?
Follow Alex on Twitter.


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Property Details for 1819 Baltimore Ave #401
Description provided by Trulia
1819 Baltimore Ave #401 This is a Single-Family Home located at 1819 Baltimore Avenue #401, Kansas City, MO. This property is in the Crossroads neighborhood in Kansas City, MO. The average list price for Crossroads is $232,333.
Public Records for 1819 Baltimore Ave #401
Official property, sales, and tax information from county (public) records:
- County: Jackson

domain: geography


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Apr 24, 2001 7:03 PM
|So far those who have answered my questions have been very helpful and i thank you.Now i have a big problem.I was only able to get about 30 miles in before my wheels went untrue.Now i am 240 pounds and carry about 10 pounds or less of gear when i commute.Now the wheels are mavic CXP21's with ritchey hubs and 15 gauge spokes.The streets i ride are pretty rough.Now if i use the same hubs and rims with 14 gauge SS and brass nipples.Will i be ok?Or should i go with different rims?Thanks in advance for the help
|re: Help!!!!!!!!Wheel Question!!!!!!!!!!!!!!!!!!||Jofa|
Apr 25, 2001 4:09 AM
|How much is the wheel out of true? And when you say 15 gauge- do you mean swaged 14/15 gauge? ie, thicker at the ends, thinner in the middle? (from memory, I think this is what Specialized spec on their Allez wheels- you did get one of these, didn't you?) If that's the case, then you should be fine, in principle: swaged spokes are actually tougher than thicker straight- gauge, as the stresses that would be concentrated at the ends, are dissipated in the more flexible middle, meaning they break less. To get back to topic... 32 spoke, swaged SS spokes, strong rims, should be fine for your weight, in most (if not all) situations- with one key condition: they must be well built. I'd take your wheel back to the shop, and get their verdict: manufacturer's wheels, particularly Specialized IMO, are often carelessly built, with tensions flying all over the place. If this rim is saveable- I suspect it is- get a wheelbuilder who you trust to go over it, retension, back off spoke twist (crucial) and stress- relieve it. The basic hardware here is fine.
Hope this helps, enjoy your new ride
|Absolutely agree||Spoke Wrench|
Apr 25, 2001 6:00 AM
|I think that the key to building a good wheel is to get the spoke tension as even as possible. I think that's a step that gets passed over by a lot of wheelbuilders. Lots of new bikes come with wheels that have inadequate tension on the left side of the rear wheel and big variations in the tension of the rest of the spokes.
Without having seen your wheels, I suspect that a competant wheel man could retension the components you have now and produce a perfectly serviceable pair of wheels.
I wouldn't be in a hurry to build up a heavier set of wheels with the idea they will be necessarily stronger. Part of the beauty of a road bike is the skillful use of lightweight materials and components to construct an adequately strong product.
|Sort of agree, pretty much, I think...||Cory|
Apr 25, 2001 8:18 AM
|I weigh about the same, and I had problems with my Allez wheels until I finally had a good mechanic build me a new rear. I wanted 36 spokes, but he convinced me that rim design has progressed to the point that 32 would be enough. With a Velocity Deep V rim and 14-15-14 Wheelsmith spokes (and VERY careful assembly), it has been so far.
I'd still feel better with four more spokes, though.
|Agree. If the spokes aren't breaking, and...||shmoo|
Apr 25, 2001 7:56 PM
|...the rims aren't deforming, it's gotta be the build. (Can't really be anything else, can it?) Just to be safe, you could have your LBS double check the spokes at the hub, and the spoke holes in the rim for any sign of stress.|
|same bike, same problem||Haiku d'état|
Apr 25, 2001 5:25 AM
|read your earlier posts and don't recall if you said this was a '00 allez or '01...i have an '00 that popped spokes on the rear in under 300 miles, and i was 235-240 when i started riding it (now 195). LBS rebuilt the rear with DT (not sure gauge?), only had minor problems since. way it was explained to me by the LBS was that the hand-built wheels (if done right) are much stronger than machined wheels.
I have not had major problems since, but have had to true the wheels 3 times -- once by the shop and twice at home after i got the truing stand, over a period of about 8 months. i don't find this wholly unreasonable, but am still considering that wide-bladed spinergy rear eventually.
|hubs and rims should be ok...||Bruno S|
Apr 25, 2001 11:22 AM
|but a 14 gage or 14/15 gage would be better. If you only have problems with the rear you maybe able to get the wheel re-spoked under warranty. Specialized had some problems with the spokes of the rear wheel on the allez 2000 models.|| |

domain: hobby


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QUT clinical doctorate candidate Jayne Orr from the School of Psychology and Counselling needs unemployed Australians aged 15 to 24 to help her find the best ways to use text messages to help young jobseekers remain positive and upbeat.
“We are investigating how we can help to build resilience among young job seekers so that they can bounce back from job knock-backs, and remain optimistic and positive despite the challenges of being unemployed,” Ms Orr said.
“In several states youth unemployment is more than 10 per cent. Not surprisingly, long-term unemployment has been linked to a 50 per cent increase in depression and other mental health problems in young people.
“These problems diminish jobseekers’ self-esteem and their motivation to keep on looking for work which in turn reduces their employment prospects, thereby creating a vicious cycle which increases jobseekers’ risk of developing depression and other mental health problems, and reduces their employment prospects even further.”
Ms Orr said she needed young unemployed people to fill in an anonymous online survey which asks about their experiences of being unemployed and looking for work, and their mobile phone ownership and usage.
“We also want to find out if jobseekers would like to receive regular, automatic text messages to keep them on the job search track or be able to request texts whenever they feel the need for a resilience boost, or take up both options,” she said.
“We’d like to know times when they would like to receive a positive text, such as just before or after a job interview, after hearing they’ve been turned down for a job, when they feel like giving up looking for work or when they are simply feeling down.
“We need the views of young unemployed people around the country to help us develop the SMS service that best meets their needs.”
“Every 50th unemployed jobseeker between the ages of 15 and 24 who completes the survey will receive a $30 Target voucher.
“The survey should take 10-20 minutes to complete and can be accessed at:
Media contact: Niki Widdowson, QUT, 07 3138 1841 or firstname.lastname@example.org.

domain: sociology


|T.I.P.’s .distinctive drawl and unassailable flow has blasted the Dirty South into the mainstream, making Atlanta one of today’s most diverse and vibrant hip-hop scenes. The brightest of Atlanta’s rising stars, Young Thug, hypnotizes, thrills and confounds listeners with his unique sense of melody, entrancing ad-libs, and stream-of-consciousness wordplay. Together, with Atlanta local favorites Shad The God, London Jae, and YSL Duke, the five rappers form the rap super-group Bankroll Mafia, and will release their debut self-titled album this Friday, April 22nd.
EMPIRE was founded in 2010 as an artist-friendly, progressive digital distribution company. After early success, and identifying future icons such as Kendrick Lamar, Sage The Gemini, and Rich Homie Quan, EMPIRE was quickly regarded as a tastemaker in the industry and throughout the past five years evolved into a full-fledged record label, distributor and publisher for independent musicians. With the company and roster growing at a breakneck pace, EMPIRE has effectively disrupted a stale business model by bringing its energy, expertise, and acumen to its artists and labels. Given its reputation, EMPIRE works with today’s hottest talent from superstars such as T.I. and red-hot newcomers such as Anderson .Paak. While remaining 100% independent, EMPIRE has also partnered with Atlantic Records for a joint venture, home to breakout star D.R.A.M. and joined forces with Republic Records for the release of Sage The Gemini’s Remember Me album.
EMPIRE | SNDCLD | FCBK | TWTR | INSTGRM


text:
Kayal , A and Anjana, R M and Mohan, V (2013) Gestational diabetes – an update from India. Diabetese voice .
In recent decades, more women of a reproductive age have diabetes, and more pregnancies are complicated by pre-existing diabetes especially in low- and middle-income countries (LMICs). Also of concern is gestational diabetes mellitus (GDM) - the type of diabetes that is first recognized during pregnancy and affects up to 15% of women worldwide.
|Uncontrolled Keywords:||Gestational diabetes|
|Subjects:||Diabetology > Gestational Diabetes|
|Divisions:||Department of Diabetology |
Department of Advanced Research Biochemistry
|Deposited By:||surendar radha|
|Deposited On:||06 Nov 2014 11:31|
|Last Modified:||06 Nov 2014 11:31|
Repository Staff Only: item control page


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I finally decided to try zippers mainly because I signed up with my local quilt store to make samples for her store. The first project she wants me to make is a little coin purse, of course with a zipper. I didn't want that project to be my first zipper project, so I decided to try Erin Erickson's Circle Earbud Pouch. I gathered up the supplies once the kids were asleep last night and went to town.
And a little over an hour later I had this:
My very first pouch! I had a few times where my machine hit the zipper just right and it jammed on me, does this happen to anyone else? Maybe I should have changed my needle first - to be honest it was overdue to be changed. But in the end I did it and am completely happy I finally got over my fear. Now I am off to ZipIt to stock up on some zippers since I have Sew Delicious's Sweet Pouch swap to create for too! PS if you are interested in pouches and chocolate, the Sweet Pouch swap is still open!


India’s first uncrewed lunar probe, Chandrayaan, is experiencing the hottest temperatures it has yet faced and is taking a “summer break” – using its instruments sparingly until mid-January to get through the hot patch.
Chandrayaan is currently over the sunlit side of the moon, a place where spacecraft are expected to heat up because they receive energy directly from the Sun as well as infrared radiation given off by the Moon. The Moon radiates heat because it also receives energy from the Sun.
Chandrayaan project director Mylswamy Annadurai told New Scientist: “It is local summer for the satellite.” The spacecraft is currently facing external temperatures of 100 °C, and cooling systems aim to maintain the spacecraft’s interior at around 40 °C. When the craft passes by the dark side of the Moon external temperatures will fall to as low as -100 °C.
Still, the Indian Space Research Organisation (ISRO) is working in unknown territory, on its first mission operating outside the Earth’s orbit.
“The thermal environment is very demanding. I think it somewhat surprised ISRO,” observes Paul Spudis, scientist at the Houston-based Lunar and Planetary Institute. He adds that “they have ways to mitigate the issue, so I do not see this as a big problem.”
Spudis is also principal investigator on a project using a mini radar set-up on the craft that aims to look for ice at the lunar poles.
Annadurai says the spacecraft systems are designed to withstand different temperature ranges depending on their use and exposure to radiation. For example, solar panels that supply power to the spacecraft can withstand from minus to plus 120 °C. Others, like its infrared detector can only handle up to 50 °C.
Nine of the 11 instruments on-board Chandrayaan have now been switched on for calibration and simple health checks.
The spacecraft’s temperature is expected to stabilise by the end of December. Until then, scientists will use one instrument at a time, as required, but will be able to operate all instruments simultaneously by mid-January.
One of the instruments yet to be switched on is the Swedish sub-atomic reflecting analyser (SARA), which will image the Moon’s permanently shadowed polar regions. The other is the Indian X-ray spectrometer, HEX, which will study radioactive emissions from the lunar surface.
Both are scheduled to be switched on later in the year, once ISRO can be sure every last trace of Earth atmosphere trapped at launch has trickled out of Chandrayaan.
“[These devices use] high voltage, which when switched on too early [when atmosphere remains] will cause sparks, which damage the instrument,” says Christian Erd, Chandrayaan project manager at the European Space Agency. A wait of three weeks or more is usual to be certain of a safe vacuum inside a craft, he says.


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domain: finance


text:
BALTIMORE CITY: — Egg farm faces criminal complaint
DeCoster Farms of Millington faces a criminal complaint for allegedly selling eggs in violation of a salmonella quarantine order, officials said yesterday.
Eggs from birds quarantined Jan. 3, 1991, were sold to Slavin's Market in Cecilton in September and to the Cecil County Detention Center in December, according to a complaint filed in Cecil District Court.
Eggs were also sold to two other businesses in Maryland -- in Galena and Ocean City -- but were not cited in the charging document.
The birds were quarantined when Department of Agriculture officials determined that an infectious strain of salmonella, salmonella enteritidis, was present in a 370,000-bird flock kept in four chicken houses at DeCoster Farms' plant in Kent County, court documents indicate.
According to the quarantine order, eggs from the birds were not to be sold except for pasteurization.
Thomas Filbert, assistant attorney general for the Department of Agriculture, said he was not aware of any illnesses resulting from the sale of the eggs in the county.
The alleged violations were discovered during routine inspections by county health or state agricultural inspectors, Mr. Filbert said.
The penalty for conviction in the case is a fine up to $500 or three months in jail per violation.
* A pregnant woman was killed in a collision involving a car and a truck near Bethesda last night, Montgomery County police said.
Police identified the woman as Elizabeth Williams, 36, of the 400 block of Southampton Drive in Silver Spring. Mrs. Williams, four months pregnant, was pronounced dead at Bethesda's Suburban Hospital, police said.
Her husband, George Williams, 39, who had been driving the car, was listed in serious but stable condition last night at Suburban Hospital.
Mr. Williams had been driving south on Old Georgetown Road at 6 p.m. when he attempted to make a left-hand turn onto Interstate 270 and collided with the northbound truck, police said.
The truck driver, Marty Milligan, 26, of Canonsburg, Pa., received minor injuries but was not taken to a hospital.
Police said the accident remained under investigation.
* Members of the Baltimore Area Ford Dealers Association will give a Chesapeake Bay license plate to all customers who buy a Ford car or truck between now and the end of July.
The dealers have guaranteed that the Chesapeake Bay Trust will receive at least $20,000 for programs to preserve the bay, Bob Bell, chairman of the association, said at a news conference with Gov. William Donald Schaefer yesterday. Contributions will be even higher if the dealers sell more than 2,000 cars and trucks.
The bay plates cost $20 more than regular plates, with $10 going to the trust and $10 to the Motor Vehicle Administration to pay the extra cost of making the plates.
The association includes dealers in Baltimore City and in Caroline, Kent, Cecil, Carroll, Harford, Howard and Baltimore counties.
Since the bay plates went on the market in 1991, Marylanders have bought more than 360,000 of them, generating more than $3.6 million that the trust has used for community and volunteer programs to protect and restore the bay.
A 29-year-old Southwest Baltimore man has been charged with killing 13-year-old Antwan "Troy" Stewart, the seventh-grader found shot to death Saturday, in what police believe may have been a drug-related murder.
Kevin Felipa, of the 500 block of S. Beechfield Ave., was arrested Sunday night and charged with first-degree murder after an interview at police headquarters, said Agent Doug Price, a police spokesman.
Mr. Felipa had gone to talk with homicide detectives after learning that they wanted to question him and others seen in the area of the shooting, Agent Price said.
"They still don't know his connection with the boy," Agent Price said. "All we know is that after the homicide, witnesses mentioned his name as somebody who was in the area."
Police believe the motive for the crime was in some way drug-related because officers found several empty plastic bags -- typically used by drug dealers to package cocaine -- on the boy's body.
Mr. Felipa was being held without bail last night pending a bail review hearing. He also was charged with a felony handgun violation.
A live grenade that apparently had been brought back from the Korean War as a souvenir was removed from the basement of a Woodlawn home last night by the Baltimore County police bomb squad.
The grenade was discovered at 5:05 p.m. by a woman visiting her deceased mother's home in the 3300 block of Ripple Road, police said.
She notified police, who discovered that the grenade was live. It was removed from the home and will either be detonated in a safe place or disarmed, police said.
Police said it appeared that the grenade had been stored in the basement of the home for decades, but they did not know who brought it from Korea.
* More than $12,000 in pledges to help fight AIDS was raised over the weekend when 85 swimmers braved the chilly Gunpowder River during the Maryland Swim for Life.
Held at the Gunpowder Falls State Park Saturday, the event included competitive and non-competitive swimming. Winners of the two-mile swim were Steven Anderson and Josephine Bowdler, while Phil Saims and Marcia Smith captured the one-mile competition.
The swim was held to increase awareness of how to prevent acquired immune deficiency syndrome, which is caused by the human immunodeficiency virus (HIV), and to raise money for the People with AIDS Coalition. The group "is the only AIDS service organization in Maryland made up entirely of people who are living with HIV," said the group's chairman, Bill Lowry.
The top pledge collector was Dr. Konstantinos Dritsas, chief of surgery at Good Samaritan Hospital, who won a lunch with Baltimore Mayor Kurt L. Schmoke as the top prize. Dr. Dritsas is in his early 60s and completed the two-mile swim in water that was in the low 70s.
Each swimmer had to gather a minimum of $50 in pledges to participate, said Joseph Stewart, coordinator of the event.
Lawyer denies spanking his client
George J. Goldsborough, an Easton lawyer, has denied spanking a female client, but admitted to consentual spanking of a co-worker.
He issued the denial Friday in response to misconduct charges filed against him by the Attorney Grievance Commission in Annapolis. Mr. Goldsborough also sought to have records in the case sealed and asked the judge to hold private hearings.
Mr. Goldsborough's lawyer, William Franch, argued that the sensitive nature of the complaint invades his client's constitutional right to privacy.
According to the complaint filed against Mr. Goldsborough, the lawyer told one client she had been a bad girl, pulled her over his knee and spanked her while at her house on business. The client told the commission that a second spanking occurred at Mr. Goldsborough's office.
Mr. Goldsborough admitted he went to the woman's house to investigate a case, but said he did not enter the house. He also denied that the second spanking occurred.
Mr. Goldsborough did admit to spanking an office worker, but not against her will. The worker complained to the grievance commission that she was told to quit her job by Mr. Goldsborough's wife, who also referred her to counseling, which was paid for by Mrs. Goldsborough.
Mr. Goldsborough said the woman resigned voluntarily and saw a psychologist at the invitation of his wife.


FMT: Legal logging biggest threat to tigers, says green activist
PETALING JAYA: An environmentalist has called for a stop to logging in the parts of the Belum-Temenggor forest complex where it is currently allowed, saying it is the biggest threat facing wildlife, particularly the endangered Malayan tiger.
“Belum-Temenggor is large and tigers need big areas in which to roam,” said Andrew Sebastian, the CEO of the Malaysian Eco-tourism and Conservation Society.
The forest complex comprises the Royal Belum State Park and the Temenggor, Amanjaya and Gerik forest reserves.
The park is off-limits to commercial activities, but certain sections of the forest reserves are production forests, meaning licensed companies can extract timber from them.
A recent news report quoted Perak State Parks Corporation general manager Mohamed Shah Redza Hussein as saying rampant poaching could result in the extinction of the Malayan tiger in less than a decade.
He cited a study saying only 23 tigers were left in Belum-Temenggor whereas there were more than 60 less than eight years ago.
Sebastian said it would be unrealistic to expect the remaining tigers to confine their movements to the fully protected Royal Belum park because “tigers don’t know boundaries”.
He said he frequently visited the area and was concerned over the effects of logging.
“I’ve been going on tours for many years now, and I find the situation very bad. If you take a boat on the way to Sungai Gadong, the scarring of the hills is visible.
“The logging is legal but, to me, it has to stop. Why would we want to allow logging next to one of the world’s oldest rainforests?”
He said logging activities would ultimately destroy the habitats of wildlife and make them susceptible to poaching.
A private tour guide who identified himself as Miloko also said he was worried about the risks logging activities posed to wildlife.
He said he had been working in the area for 10 years and had noticed that the hornbill population had dwindled severely. “In the past, you could see thousands, but now we see only hundreds.”
He told FMT he believed hornbill nests were being destroyed in the logging process.
Miloko also said he had seen sun bears coming closer to the Temenggor lake to find food, which he took as a sign that they were losing their habitats.
“To me, the main threat is logging, not so much poaching,” he said. “There is an enforcement presence near the lake area. So poachers won’t dare come so close.”
FMT has contacted the office of Abdul Aziz Bari, the Perak executive councillor in charge of the environment, for his comments and is waiting for a response.
Read more: https://www.freemalaysiatoday.com/category/nation/2019/08/09/legal-logging-biggest-threat-to-tigers-says-green-activist/


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I have been on DA for 5 long years, probably really active fav+ every good work I saw, reading up tutorials and always checking if some one liked any of the stuff I did. A I was into photomanipulation a lot. Every cliche idea, every stock photo thats used and over used, i had it saved and I would try to make something out of it. And this interest got me into photography and digital art. I remember the first time I finished a proper piece, The skyrim fan art, and felt like i accomplished something huge. But now when i look at it, i see the 100s of mistakes. Digital art really wasn't my thing, but I still try to learn about it whenever I can.
And along these lines I got into photography. And lucky for me, even though I am a biotech Student. Landed a job as a photographer. And worked from junior to head photographer in a span of two years. Now this really was a calling to me. But one thing that I had as a weapon was the unlimited amount of photo manip i used to do, some to put up on DA and some to just delete off unfinished. And all that experience really did help me as a photographer. And in editing.
And now I am running my own freelance career as a professional Photographer.
To every photo manipulation artists out there, never give up. thing might be cliched, thing might not seem so "cool" but the tricks and techniques that you pick up, pays off in every digital art fields.