When it comes to hunting, getting the best hunting clothing is very important. It is also essential as it brings a lot of advantages that makes the overall hunting process so much easier and rewarding.
This type of clothing is specifically designed and made for tough conditions. It offers improved safety and protection from many hazards and elements. Depending on the weather conditions and the chosen terrain, we have discovered several models best suited for your hunting games.
So who is our winner? For those who wants to jump straight to our verdict, here are our top picks!
Can be used for normal or colder climates.
This affordable hunting outfit is one of the advanced model and its performance is based on the latest technology. It offers the best possible camouflage in all conditions and it is something that can help you become a much better hunter within seconds. You even get a DVD that explains how to maximise your new outfit for hunting. All of this truly works and we were impressed with the results.
In this package, you will get a long sleeve top, bottom, and a head cover. Each unit is made to provide a high level of comfort while being worn and at the same time, meet high expectations.
This is a new system and the one we liked especially. What it does is it blocks the electrical signals your body normally transmits. You will be even better camouflaged. It simply makes you invisible to the animals.
For those of you who often hunts during the winter, we will recommend this model. It is the most suitable camouflage unit for cold climates. It offers a detachable hood, internal chest pockets and a lot more. We should add that this model offers superb insulation against wind and rain.
This feature refers to the body mapping which is advanced in this case scenario. It is capable of matching the contours of a body. As such, there is no bulky area and the clothing fits perfectly regardless of the body type. Of course, you must choose the right size.
The last thing you want while hunting is an outfit that is too tight or narrow for you. Luckily, this outfit doesn't have this issue. The fabric is soft and it stretches perfectly. What this means is that you get the highest level of comfort possible. This added advantage also affects the accuracy and the ability to hunt for a longer period of time.
This hunting suit is an advanced model designed for those who wants the best and the most professional hunting capabilities. We liked it for two main reasons. The first one is the camouflage it offers. It is just superb. The second one is the price. This is one of the most affordable hunting suits of this kind available on the market.
The first advantage is the one we have mentioned already. It states that the unique design of the unit will hide or break the human outline. What this means is that while wearing the suit, animals and even other humans will not be able to detect you.
The second best advantage is in the material and the design of the model. It is flexible and it allows for you to wear it over regular clothes. The most important thing to know is that even if you have your regular clothes beneath, you won't feel heavy or stuffed.
Now we have a heavy-duty hunting suit which is made of cotton and polyester. It is also one of the more comfortable units we tested and it looks great. You can wear this jacket while hunting or while walking down the park. It is available in 5 different color, so you can always get the one that is perfect to your taste.
The amount of insulation in this suit is just right for normal and colder climates. Another important advantage is that the insulation doesn't make the jacket heavy, so it is still comfortable to wear and will not affect your maneuverability.
We also liked the zipper on this jacket. It is a heavy-duty unit which is commonly used on most advanced and durable hunting clothes. What this means is that your new hunting wear will stay usable after many years. Keep in mind that a zipper is an important element when considering on getting an outfit for hunting purposes.
The Rocky Junior Prohunter is just perfect for beginners and for those who are looking for an entry-level hunting jacket which will make them invisible from their prey.
Despite the fact this is an affordable model, we can also see a high level of attention to details and impressive main elements. Let's see some of the main advantages this jacket has to offer.
Inside the jacket, we can see a decent level of insulation that will keep you warm at all times. Then we must add that the tested unit is also waterproof. On our tests, it actually protects us perfectly, regardless of how much of water that got in contact with the outfit.
A hunting jacket which isn't very adjustable won't be the best choice. Luckily this one has a draw cord around the waist and it offers fully adjustable cuffs. This allows for you to adjust the jacket precisely as you want and hence enjoy the maximum level of comfort at all times. In addition, there are also interior and safety jackets located in the jacket.
Just by looking at the picture, there is no further explanation needed on camouflage. It is probably the best choice if you are looking for a suit that will mask you completely and make you invisible. Of course, it is designed for grassy or woodland areas specifically. And yes, this is a full-body camouflage outfit.
The manufacturer states that the amount of thread is much higher than in any other outfit you can get nowadays. This has two advantages. It affects the camouflage level and also makes the clothing more durable. Of course, due to this, it is a bit heavier compared to other models. The weight is 6.5 pounds.
It comes with advanced 3D colors. There are 7 of them in total and we can add that the manufacturer used 4 different hues of green and black. This increases the camouflage even more and makes you invisible. Don't forget that you can choose between dry grass and woodland color versions.
The last model on our list is the best deer hunting apparel. It is a purpose made outfit which generates the best level of camouflage while hunting deer. It also offers full protection. Although available in two color versions, the orange one isn't designed for hunting. It is more of a fashion jacket.
Yes, the outfit is 100% waterproof. For some of you, this can also be considered as the best archery clothing.
All hunters know that hunting suits usually don't have a lot of pockets or sometimes, they can appear to be too small. A good thing to know is that this isn't the case with this model. You have massive pockets on the front and they are also easy to use while on the run. We like this apparel due to it being very practical.
We know that some of you will still look for the best hunting camouflage to wear. If you are one of them, this means that you will need a guide. This clothing is far from complicated. It has a lot to offer, it must meet tough requirements and it will be used in rough conditions. The last thing you want is clothing which is impractical or useless for your hunting requirements. In other words, you will need our guide to help you discover the best clothing for you and your hunting requirements.
Also, find out what's our verdict on our best hunting boots reviews.
This is the first factor you will have to consider. There isn't a generic answer here. Some of you will like cotton and synthetic materials and others will like polyester. There are a lot of possibilities actually. The main fact to consider is that your new hunting clothes should protect you from wind and rain, but at the same time, it must allow the skin to breathe.
The next main thing to consider is the type of clothing. It refers to the general style and type. Some outfits come with pants and head covers. Other offer jackets only. Third types offer a complete body camouflage, but they are made from a single piece. As such, you must know what you actually want.
The safest choice is to get a full body camouflage. It will protect you at all times and it will help you make your hunting more successful. Of course, this clothing is reserved for professionals and those who want to become one.
Woodland: This is the most common type. It refers to the clothing which is great for most types of woods. Green, black and brown, like military colors, are common here.
Duck hunting: These models have different patterns, obviously. They are bigger and they are in irregular shapes, although they may look like squares.
Grass: As you can see on our list, these clothing comes with lightweight threads which will simulate the grass. There are two or more versions, like dry grass, green grass and etc. They are obviously designed for hunters who hunt in grassy terrains.
Orange: Some models are available in vivid orange color. They are not hunting clothing! These models are designed to make you visible, so completely different matter than to help you stay hidden. This makes them appealing for hunting games or etc.
Every single clothing must be 100% waterproof. You will be exposed to rain, dew or rivers. Units which aren't 100% waterproof are not ideal. They will allow for the water to penetrate the clothing and to reach your body. When wet, you won't be a very successful hunter. It is also dangerous when mixed with a low temperature.
Where will you hunt? If you hunt in areas where temperatures are high or average, you don't need an insulation. If you hunt where the temperatures are very low, you will need it.
Just try to remember that you must find a clothing which will make sure you stay warm during hunting. This matter can be explained by the amount of insulation located in the clothing. Some have 200 grams, others may have more. More means that the suit is designed for colder climates.
Yes, you must get a lot of comforts while wearing your hunting shirt. Models that aren't comfortable should be avoided at all cost. Comfort will affect your nerves and will make you move less efficiently. We all know that a hunter that isn't the best when it comes to maneuverability won't be a successful hunter.
Here you must take into account two alternatives. The first one is the clothing which will be worn separately, without any other clothing beneath it. Others will be worn over regular clothing. In both cases, you need comfort as much as possible.
The best camo hunting gear must be soft, but not for the reason you are thinking. It must stay soft so, in a case of rain, it won't make any sound at all. Plastic-y suits will make a lot of sounds, so it will reveal your position. Don't forget that animals hear much better than humans.
This is a completely individual preference. Some of you will want a hood while others can treat it as a distraction. We liked the hybrid models, where a hood can be removed when needed. Keep in mind that the hood is a great addition when hunting at rain and cold weather. It also improves your camouflage. If you like this accessory, make sure it is in camo color as well.
While hunting you want to have pockets. You definitely want to keep your phone near you at all times. That's why chest pockets are the best alternative. Look for interior pockets as well. They add the practicality and they can make a difference. In this case scenario, you would pay attention to the size of the pockets. Always choose massive ones. Here, bigger is better.
Some of you will have different comfort requirements. Add the fact that this is a variable factor because it can be determined by the clothes you wear and also the weather conditions.
The main aspect to consider is the adjustability of the wear. Always look for adjustable cuffs and the waist adjustments. A draw cord may be the most common option and it is one of the best due to the simplicity it has to offer. It is important to adjust your hunting clothing before starting to hunt. It is all about comfort, so keep that in mind.
How durable are hunting wears? Yes, all of them are made to withstand rough usages and all of them are made of strong materials. However, some are more durable than the others. As such, you should pay attention to the overall quality and the strength. This factor will make a massive difference after a few months or years of use, so you will want to consider it as soon as possible.
Some type of wears must be taken to dry cleaners, other can be easily cleaned at home, either by washing machines or hand washed. It is definitely an important factor to consider before you make your choice.
We prefer models that can be washed in a washing machine. We also define them as low maintenance hunting wears and should add that they are the most practical of them all. Try to remember that hunting clothing that cannot be washed in a washing machine must not be cleaned with this method. It will be ruined.
We have discovered and tested the best hunting clothing available on the market. These 7 units are truly impressive when it comes to the camouflage they offer, the quality and the main features.
For us, the HECS Suit Turkey with Human Energy Concealment Technology is simply the best and should be your top choice if you are planning to hunt turkeys. We give it 5 out of 5stars.
Other clothing recommended here is great as well and may be more appealing and desirable for your specific requirements. At the end of the day, choose 1 from our list based on your specific requirements and you will not go wrong.
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School councils are an excellent way for you to get involved in your child's education. Every TDSB school has an elected school council. Your school council is an important forum for involving parents/family and community in matters that affect the education of students.
The TDSB Parent and Community Involvement Policy includes detailed information regarding Operating Guidelines for School Councils.
School Councils: A Guide For Members, to assist parents and administrators in participating in, supporting and managing school councils.
School Council 101 - provides a quick overview of council operations.
The procedures for school council funds document provides information about financial reporting for school councils.
School Cash Online- The Toronto District School Board has launched School Cash Suite, an easy to use, safe and convenient way for parents/guardians to pay for their children's school fees, including agendas, yearbooks and class trips. If your school council is interested please contact the Principal.
The PSAB template –required annual report for all councils who engage in fundraising activities.
School Council Financial Plan and School Needs Assessment Form – required annual plan for all school councils who engage in fundraising activities (Due on Oct 31 of each year).
For fundraising information visit this link.
Many school councils are very active in their community and on occasion, participate or organize events that are not under the control of the school board. In these situations, the board's liability policy may not provide protection to the school council, its members or volunteers acting on behalf of the school council. As such, it is important to ensure that your school council has appropriate coverage in place to protect the council, its members, and volunteers accordingly.


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Animation Cel of Porky Pig and Spencer Tracy
Africa Squeaks 1940 Warner Bros. Studios
Africa Squeaks is a 1940 American animated cartoon in the Looney Tunes series starring Porky Pig. It was directed by the great Bob Clampett, animated by John Carey, Dave Hoffman, Izzy Ellis, Norman McCabe, and Vive Risto, and musical direction by Carl Stalling. The cartoon is the parody of the movie Stanley and Livingstone starring Spencer Tracy and Cedric Hardwicke. The inscription on the cel reads This is an original painting I used in "Looney Tunes" and "Merrie Melodies - Leon Schlesinger.
Film title: Africa Squeaks
Image title: Spencer Tracy and Porky Pig as Stanley and Livingstone
Width of Image: 9.00 inches
Height of Image: 3.75 inches
Width of Art: 10.50 inches
Height of Art: 6.75 inches
Presentation background
In Africa Squeaks produced by Warner Brothers the narrator introduces the audience to Africa. The journey begins at the heart of Darkest Africa. Porky Pig is leading a group of African people as they sing, carrying items. Then, during their song, they sing "We don't know where we're going, but we're going!". Meanwhile, a sign says, "Welcome to Africa Lions Club". Then, Porky and the Africans approach a sour-pussed caricature of Spencer Tracy named Stanley.
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redpajama_set_name: RedPajamaCommonCrawl


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Your Thermal, CA insurance agent (see examples below) can help with your claims.
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text:
Convenient: Mueller Nails Manafort Right After Hillary – Uranium One Scandal Explodes
Reported By Martin Walsh | October 30, 2017 at 4:48pm
URL of the original posting site: https://conservativetribune.com/mueller-nails-manafort-hillary-scandal/?
Shortly after several reports have linked both former President Bill Clinton and former Secretary of State/failed Democrat presidential candidate Hillary Clinton to the Uranium One scandal, Democrats are trying to shift everyone's attention.
As reported by the Daily Mail, Trump's former campaign manager from the 2016 presidential election, Paul Manafort, and his partner, Rick Gates, surrendered on Monday morning following an indictment from special counsel Robert Mueller in the Russia probe.
The news comes just days after the Justice Department announcement Thursday that it would lift a gag order on a secret FBI informant who has firsthand knowledge of the Uranium One deal involving the Clintons.
According to Townhall, the informant's identity will remain anonymous, but they will be speaking with the Senate Judiciary Committee on how the Clintons benefited from selling U.S. uranium to a company connected to Russia.
Mueller's indictments of former Trump officials come just days after an explosive report from The Hill, which detailed how Clinton approved the partial sale of Canadian mining company Uranium One to Russian nuclear company Rosatom, giving Russia 20 percent of the United States' uranium.
Both The New York Times and New York Daily News reported that officials associated with the sale donated a reported $145 million to the Clinton Foundation, and Bill Clinton was given $500,000 from a bank with ties to the Kremlin for giving a single speech in Moscow.
As detailed by a report from The Hill, the FBI had collected a plethora of documents showing that Russia officials involved with the Uranium One deal were engaged in extortion, bribery, kickbacks, and money laundering prior to the Obama administration — with Clinton's help at the State Department — approving the deal in 2010.
https://tpc.googlesyndication.com/safeframe/1-0-13/html/container.html#eid=21060375
The FBI agents also supplanted a U.S. witness to work closely with the Russian nuclear industry to gain inside access to financial records, collect emails, and make secret recordings on how Moscow violated the Foreign Corrupt Practices Act.
And yet, the Obama administration approved the sale and agreed to do business with the corrupt Russia company to sell 20 percent of the U.S.' uranium.
Senate Judiciary Committee Chairman Chuck Grassley said last week he wanted the Department of Justice to appoint a special prosecutor to investigate the Uranium One sale and the Obama administration's involvement with the deal.
In light of the bombshell report exposing Obama and Clinton for carrying out a shady deal with Russia, Mueller conveniently decided to announce indictments that would move the spotlight back to someone else.
Grassley's call for a special prosecutor into the Clinton Foundation allowing foreign governments to influence American policy while the Clintons gained personally is a bombshell story the must be investigated, but the mainstream media conveniently distracted everyone from this corruption with Mueller's recent announcement.
H/T Townhall
#WINNING! US Special Ops Capture Main Dude Behind Benghazi Consulate Terrorist Attack
Published by ClashDaily.com | on October 31, 2017
URL of the original posting site: https://clashamerica.com/winning-us-special-ops-capture-main-dude-behind-benghazi-consulate-terrorist-attack/?
Less than a year in office and the Trump administration does what the Obama government couldn't do in four years. But then, are you really surprised?
American special operations forces and FBI agents have captured a militant who allegedly was involved in the deadly attack on a U.S. diplomatic compound and CIA annex in Benghazi, Libya, two U.S. officials confirmed to Fox News on Monday.
Officials identified the suspect as Mustafa al-Imam. The capture took place Sunday at an unknown location in Libya.
The attack, on September 11, 2012, killed four Americans, including Ambassador Chris Stevens.
Finally! Someone involved in that horrible attack that killed Americans in Libya will finally face justice! And even better… he's coming here to face justice in the good ol' U.S. of A.:
Al-Imam is being transported back to Washington where he will be charged in federal court, a U.S. official told Fox News. The Department of Justice has the lead on the prosecution.
"Our memory is deep and our reach is long, and we will not rest in our efforts to find and bring the perpetrators of the heinous attacks in Benghazi to justice," Trump said.
Secretary of State Rex Tillerson added that he'd spoken with the relatives of some of the Americans who died in Benghazi. Tillerson said the U.S. would "spare no effort" to ensure al-Imam is held accountable.
We're sending a message to these rat b*stards that committed this atrocity. Watch the Fox & Friends report with commentary by Lt. Col. Waltz:
And we're not done yet, peeps!
"I am grateful to the FBI, our partners in the intelligence community, and the Department of Defense who made this apprehension possible. The United States will continue to investigate and identify all those who were involved in the attack – and we will hold them accountable for their crimes," Attorney General Jeff Sessions reacted.
Barry made that statement regarding the Supreme Court decision on same-sex marriage.
Perhaps if Barry hadn't been so focused on identity politics or insisting that his scandal-plagued administration was 'scandal free', and instead was honest about Benghazi right from the start, we would be celebrating the capture of the last of the 'key players' in the 2012 Benghazi attacker instead of the first.
This isn't to diminish the incredible work of our intelligence agencies and our military.
'What difference, at this point, does it make?' asked Hillary.
All the difference in the world.
Americans are thrilled that someone, other than a Coptic Christian film-maker, that is.
American special operations forces
Mustafa al-Imam
MORE Politically INCORRECT Cartoons for Tuesday October 31, 2017
opiod epidemic
paul manafort
russia collusion investigation
Today's TWO Politically INCORRECT Cartoons by A.F. Branco
URL of the original posting site: http://comicallyincorrect.com/2017/10/31/manafort-indictment-distraction/#Ocd6YdmQQU96LhQf.99
Funny, just when more about Hillary Russia collusion, Trump dossier, and calls for Mueller resignation we get a Manafort Indictment.
Cartoon by A.F. Branco ©2017.
More A.F. Branco Cartoons at Net Right Daily.
Hillary Wins!
URL of the original posting site: http://comicallyincorrect.com/2017/10/31/hillary-clinton-costume/#Qcom5586KKQBeTHv.99
Finally, Hillary Clinton has beat Donald Trump at something. By popular vote, this prestigious costume award.
A.F.Branco 2018 Calendar <—- Order Here!
Uranium One
LifeNews.com Pro-Life News Report
For pro-life news updated throughout the day, visit LifeNews.com.
• Newborn Baby Girl Found in Dumpster With Umbilical Cord Still Attached
• Kim Kardashian Claims Planned Parenthood is "Nothing Like" an Abortion Clinic
• Student Body President Impeached After Canceling Abortion Ads in Student Newspaper
. Congressional Committee Will Hold Hearing on Bill to Ban Abortions After Baby's Heart Begins Beating
More Pro-Life News
• Amazing Photo Shows an Unborn Baby Carved Into a Pumpkin
• Planned Parenthood Sex-Ed Program for 12-Year-Olds on Hold After Hundreds of Parents Protest
• Google Removes False Reviews Slandering Pro-Life Centers as "Fake Abortion Clinics"
• Awesome Photo Shows Flowers Signaling New Life Outside Closed Abortion Center
• Billionaire Activist George Soros Donates $85 Million to Sponsors of Pro-Abortion "Women's March"
• Pregnancy Centers Ask Supreme Court to Overturn California Law Forcing Them to Promote Abortions
• NAACP Should Issue Travel Advisory for Racist Planned Parenthood, Which Kills Black Babies in Abortions
• Congresswoman Tries to Stop ?New Abortion Clinic From Opening in Notre Dame's Hometown
• Abortion Activists Celebrate 50 Years of Abortions in Britain
• Judge Blocks Alabama Law Prohibiting Abortion Clinics Near Schools
• Wisconsin Committee Passes Bill Banning University of Wisconsin Doctors From Doing Abortions
• 11 Reasons to Oppose Legalizing Assisted Suicide in Australia
• Government in Scotland OKs Dangerous Do-It-Yourself Abortions at Home Without a Doctor
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Newborn Baby Girl Found in Dumpster With Umbilical Cord Still Attached
A newborn baby girl found in a dumpster in Texas is doing well in an Austin hospital two days after passers by saved the infant's life.
Click to Read at LifeNews.com.
Kim Kardashian Claims Planned Parenthood is "Nothing Like" an Abortion Clinic
America's largest abortion provider recently acquired new "big fans" from the reality TV world because, they discovered, it's "nothing like" an abortion clinic.
Student Body President Impeached After Canceling Abortion Ads in Student Newspaper
University College of Dublin student body president Katie Ascough was impeached last week after she removed potentially illegal abortion information from a student handbook.
Congressional Committee Will Hold Hearing on Bill to Ban Abortions After Baby's Heart Begins Beating
A U.S. House subcommittee is scheduled to consider a bill Wednesday to protect unborn babies from abortion once they have a detectable heartbeat.
Amazing Photo Shows an Unborn Baby Carved Into a Pumpkin
The tradition of Halloween pumpkin carving brought out the creative side of one pro-life advocate.
Cl i ck to Read at LifeNews.com
Planned Parenthood Sex-Ed Program for 12-Year-Olds on Hold After Hundreds of Parents Protest
North Carolina parents expressed outrage this week after learning that the abortion chain Planned Parenthood was scheduled to teach sex education their middle school children.
Click to Read at LifeNews.com
Google Removes False Reviews Slandering Pro-Life Centers as "Fake Abortion Clinics"
The more abortion absolutists peddle the fiction that pro-life pregnancy centers and medical clinics are "fake abortion clinics" that lie to women, the more they're finding—or would find if they were paying attention, anyway—that nobody's buying the lies they're selling…
Cli ck to Read at LifeNews.com.
Awesome Photo Shows Flowers Signaling New Life Outside Closed Abortion Center
A curious photo made the rounds of Facebook the other week. It depicted a multi-colored bouquet of flowers, propped up outside the door of the Hillcrest Women's Medical Center.
Billionaire Activist George Soros Donates $85 Million to Sponsors of Pro-Abortion "Women's March"
Pregnancy Centers Ask Supreme Court to Overturn California Law Forcing Them to Promote Abortions
NAACP Should Issue Travel Advisory for Racist Planned Parenthood, Which Kills Black Babies in Abortions
Congresswoman Tries to Stop New Abortion Clinic From Opening in Notre Dame's Hometown
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Abortion Activists Celebrate 50 Years of Abortions in Britain
Judge Blocks Alabama Law Prohibiting Abortion Clinics Near Schools
Wisconsin Committee Passes Bill Banning University of Wisconsin Doctors From Doing Abortions
11 Reasons to Oppose Legalizing Assisted Suicide in Australia
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Obama's HUD Misplaced $500 Billion — Enron Was Only $63 Billion
Reported By Ben Marquis | October 23, 2017 at 3:56pm
URL of the original posting site: https://conservativetribune.com/obamas-hud-misplaced-500-billion/?
Some of our readers may recall the massive scandal in 2001 surrounding the bankruptcy of the Enron Corporation, an energy company based in Texas. Investors lost an estimated $63 billion when investigators discovered that Enron officials and auditors at the Arthur Anderson accounting firm had knowingly and unethically used loopholes in the law and various accounting tricks to hide billions that had been lost in bad deals and debt from shareholders.
Several people ultimately went to jail, and the liberal media used the scandal to excoriate capitalism in general and energy companies in particular.
Fast forward to March 2017 and the release of an astonishing report from the Office of Inspector General regarding the U.S. Department of Housing and Urban Development, and hardly a peep has been heard from the media.
That report revealed that an audit of HUD's 2015 and 2016 consolidated financial statements were riddled with so many "pervasive material errors" as to be unacceptable, errors which totaled nearly $520 billion, among other grievous failures on the part of the department.
All told, the OIG reported, "This audit report contains 11 material weaknesses, 7 significant deficiencies, and 5 instances of noncompliance with applicable laws and regulations."
The report noted that an initial audit of HUD's 2015 and 2016 numbers were so error-ridden that they needed to be sent back and re-released as "restated consolidated reports," but even those were filled with "material errors" of enormous magnitude.
A big part of the problem was what was described as "weak internal controls" over the complex financial reporting system, which was reportedly in the process of transitioning from a standard ledger format to new "undefined and untested processes" that increased the workload on the financial reporting division and caused them to outsource some of their work to others with even less familiarity or training to handle the processes.
Altogether, the errors in the initial reports amounted to $278.5 billion in misstatements in financial notes, a half billion dollar error in the statement on budgetary resources, and $19.5 billion in discrepancies of line items of the report that differed from what was submitted for audit.
The corrected and restated consolidated financial reports made over $516 billion in corrections to the notes and another $3.4 billion to the financial statement, but even though the Inspector General appreciated HUD's corrections, the scathing report still called for substantial change to the department's internal accounting practices.
As previously noted, the media has largely yawned at this incredible story of HUD's gross malfeasance with taxpayer money, focused as they are on President Donald Trump's latest tweet or the never-ending search for elusive evidence of alleged collusion with Russia to win the 2016 election.
Alas, such malfeasance occurred under the watch of the administration of former President Barack Obama, so the media will continue to ignore it. Bet they'd be lined up to issue breathless reports for months if this had been discovered as happening under Trump's administration.
Department of Housing and Urban Development (HUD)
FBI Bombshell: Far-Left U.S. Radicals Colluding With ISIS
Reported By Clarion Project Monday, October 30, 2017
URL of the original posting site: https://clarionproject.org/fbi-bombshell-far-left-u-s-radicals-colluding-isis/
An anti-fascist protester in France demonstrates against labor reforms (Photo: LOIC VENANCE/AFP/Getty Images)
A new book by a former editor in chief of The New York Times Magazine and best-selling author reveals for the first time an FBI field report about the collusion between American anti-Trump radicals and foreign ISIS/al-Qaeda operatives.
In his latest book, All Out War: The Plot to Destroy Trump, set to be released today, Edward Klein reveals to the public findings from an FBI investigation into the shocking ties between far-left radicals in America and Islamist extremists.
The FBI report was delivered to Acting Director Andrew McCabe on July 11, 2017. While certain names have been redacted, Klein reveals how the FBI followed a group of Americans anarchists/radicals who traveled to Germany to join their German counterpart Antifaschistische Aktion to protest Trump's attendance at a meeting of G20 leaders and central bank governors.
Evidence gathered from a variety of intelligence sources showed the Americans took part in the violence there. "There is also evidence of meetings between these individuals and associates of ISIS…Making some sort of common cause with Americans who are determined to commit violence against the U.S. makes them potentially very useful to radical Islam," writes Klein based on the report.
Klein notes that the FBI paid particular attention to a group of anarchists from Oakland, sister city to Berkeley, California, site of the campus of University of California at Berkeley and the scene of several violent protests.
"Now that the bureau has determined [ISIS/al-Qaeda] have followers in the radical U.S. resistance movement in the United States, it is clear there will be additional violence in the attacks on law enforcement and U.S. institutions, including banks," he writes.
In an article written for the Daily Mail, Klein continues:
"Ties between three key leaders of the Oakland group [names redacted] met in Hamburg with a leader of the AQAP [Al Qaeda in the Arabian Peninsula] and the AQIM [Al Qaeda in the Islamic Maghreb], the report continued.
"The leader from AQAP is an Egyptian-born male [name redacted] who is known to be in charge of finances and recruiting for the group. There is evidence from informants that he is helping the Oakland group acquire the weapons they are seeking, primarily bomb-making equipment and toxic chemicals and gasses.
"One of the men from Oakland traveled to Syria to meet with ISIS; the purpose was for training in tactics, but was thought to be primarily a bonding visit to discuss possible massive disruptive attacks in the U.S.
"While in Hamburg, several of the Oakland-based criminals were photographed throwing Molotov cocktails and wielding iron bars, which have been their weapons of choice, though they are almost certainly on the verge of upping the caliber of their weaponry for use in the U.S."
Klein notes, "Despite having their faces covered by masks, they were positively identified."
Previous FBI Director James Comey also "collected intelligence on the connections between Middle Eastern jihadis, European radicals, and the American anarchists who are part of the anti-Trump 'resistance' movement," writes Klein, quoting an an FBI source who had access to Comey's intelligence reports.
The American anarchists communicate with the Islamic State and other terrorist organizations online on a variety of websites, on which they also find instructions how to make bombs.
Tellingly, Klein notes,
"As the Trump administration has demonstrated it's serious about destroying the Islamic State, and depriving ISIS of territory in Iraq and Syria, the alliance between the American radicals and ISIS has grown even closer. The Internet chatter between the Americans and the Islamists is astronomical.
"The FBI is really playing catchup ball, because the Obama administration refused to give the bureau the resources it needed to effectively infiltrate and surveil the radical groups on college campuses …
"Any talk of a connection between radical Islam—a phrase the Obama people wouldn't even use—and American extremists was pretty much laughed off. [Former Attorney General] Loretta Lynch would have blown a gasket if she heard that the FBI was surveilling so-called college political organizations.
"All that has changed under the Trump administration. Everyone's aware that the resistance movement, with its effort to get rid of Trump by any means necessary, has created fertile soil for ISIS and al-Qaeda to establish a beachhead in America."


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Interview: Cook County Commisioner Forrest Claypool
By Kevin Robinson in Miscellaneous on Jan 5, 2007 5:30PM
Forrest Claypool represents the 12th District of Cook County on the County Board of Commissioners. He has a law degree from the University of Illinois at Urbana-Champaign and well over a decade of experience in local government. He was actively involved in Harold Washington's campaigns for mayor, and he later served as Daley's Chief of Staff. He made his name as a reformer as the former Superintendent and CEO of the Chicago Park District, where he restructured and cleaned up a park district crippled by years of neglect and patronage. Known not only locally but nationally for his challenge against former Cook County Board President John Stroger, he lost narrowly in the last week after Stroger suffered a serious stroke. His son, Todd Stroger, was hand-picked to replace his father on the ballot, and he beat Republican challenger Tony Peraica in November.
Chicagoist caught up with Claypool one evening to ask him about how he got his start in county politics, what was needed to create true reform, and his thoughts on the future of Cook County.
Chicagoist: How did you get involved in Cook County politics?
Forrest Claypool: I first got interested in it when the first wave of scandal that hit the county was involving the Forest Preserve District back in 2000 or 2001, and I got a lot of press inquires about it because I had run the Chicago Park District and there were some parallels between the patronage dumping ground and the poor service oriented system and the park district that I had inherited at the park district in the '90s, and that got me interested in the county and following the county because of the forest preserve debacle, and got me angry about what was going on there. I noticed that it had been remapped, the county had been remapped, the districts, and that I was now going to be represented by Ted Lechowicz, a notorious double-dipper, and sort of an insider's insider on the county board, and I made a decision to run for that seat in 2002, and that's kind of the beginning.
In the campaign we called him taxman Ted. The county was raising taxes every single year on people, and to do nothing but to sustain this big patronage empire, and Lechowicz was kind of Exhibit A in this, and Stroger's right-hand guy on the county board. It was really an anger thing. We've made some dents in it. It's still standing, but I think we are going to tear out the foundations at some point, so that that old corrupt system collapses and we can build something new that really protects taxpayers, but also the most vulnerable people in our midst, the people that don't have healthcare because of this system.
C: What do you think was the impetus that brought you into office, then? Was it a difficult race?
FC: Oh yeah. I won with 51.5% of the vote, so it was a close race. And the ward committeeman in the district, the mayor of Chicago, and every county elected official was against me. Rich Daley and the rest of the county were endorsing Lechowicz. So it was a tough race.
C: It sounds like you're used to running close races and being the underdog.
FC: Oh yeah.
C: You get cited in the press a lot as sort of part of the minority opposition in Cook County. Do you agree with that assessment?
FC: Yeah, I think that's probably about right. You know we have had some major successes, but we've always been in the minority. For example by one vote we were able to stop two years in a row a $150 million sales tax increase. John Stroger tried, in back-to-back years, to raise that tax, and each time we were able, by organizing public opinion and voter anger, to put together by the slimmest of margins a bi-partisan coalition that blocked those tax increases. I think the work of the County Board, and some of the other reform-minded commissioners, and we have some other successes as well, such as forcing the resignation of the director of the Forest Preserve District, who had presided over these financial problems and scandals, over the objections of the President. These aren't minor victories, and we've had some mixed success, but yeah, most of the time on the bigger issues we're probably in the minority on a lot of these issues.
C: What do you think would be needed to change that, to get out of the minority and into the majority on the board?
FC: Well, I think we have a test of that coming up here in the budget cycle. There is a little bit more independence on the board now than there was even as far as the last election. In 2002 I was part of a group; a couple more commissioners have come on board and have made it a little more democratic. I think we'll see in this budget process how that plays out. I think the key obviously is what it means to the voters, and how many independents they elect to the board. Ultimately if voters get angry enough, they'll throw the rascals out. We've seen some of that. This year was a little weird, and I'm not sure voters really got the chance to make a real clear choice in a lot of these county contests. But it remains to be seen. I think we've got four years of hard work here, and I'm hoping that the work we do plus the next election brings about the kinds of changes we have been fighting for. You know every year for 12 consecutive years the county has raised sales and property taxes. We've already had some success. For a couple of years there, we were able to stop that pattern for a couple of years, so it's some progress there. You saw the FBI raids on the county building, you saw the kids at the juvenile center being subjected to violence with the approval of the staff there. The forest preserves are filthy and dirty so that families can't use them and the health care system is broken, so there's a lot of important structural reforms there that need to be changed.
C: You actually sound pretty optimistic about change. It doesn't sound like you would agree that Tony Peraica was our last and only hope for real reform in Cook County government.
FC: No, not at all. It was an unusual election in a lot of ways, and I don't think that voters got the real clear-cut choice in this last election.
C: What would it take to make real change in county government?
FC: Well I think the voters have to rise up, they have to actually come out and vote. It's hard to get voters to care about a government that doesn't deal with a lot of their problems. The county deals a lot more with poor people and criminal justice issues than it does with middle-class concerns, and for that reason voters haven't paid as close attention, and there's been lower turnout in elections involving Cook County government than there was in my primary in spring, and that of course gives a huge advantage to the Machine. The people at the public trough will always come out to vote, and they'll bring their friends, relatives and associates to come out and vote. And the people that pay for the system and the victims of the system, people without healthcare, people with kids in the juvenile center, so often those families don't vote, and I think that is what we have to change. The good thing, I think about the last year in particular, is that there has been a enormous increase in public awareness about the county, who actually runs the county, the chicanery and shenanigans behind the scenes, the politicians rigging the system for their own benefit at the expense of average people, because it lays the foundation for that sort of voter revolt that we need to clean house.
C: If you were in Todd Stroger's place, what would be your top priority for the county?
FC: To reorganize and streamline the government. I would do the same thing we did for the Chicago Park District, which is to reorganize and streamline it to eliminate needless layers of bureaucracy and the do-nothing patronage jobs and the give-away contracts to the insiders, and then use that money to rebuild the system for people that really need help. In the park district we put that money into rebuilding neighborhood parks, we doubled programs for kids, and we quadrupled capital spending to rebuild these dilapidated inner-city parks. In the county I think we need to rebuild the health system so that it's comprehensive and we fill in the gaps in the safety net. We need to clean up cesspool institutions like the juvenile center, where kids are being given, instead of a second chance at life, are being given routine beatings by government employees and live in rat-infested cockroach-infested filth. We need to clean up the forest preserves and make them family-friendly so that people can take their kids there and enjoy the feeling of being secure, instead of having to deal with used condoms on the ground and the stench of garbage.
C: Would you run for County Board President again, and if so, under what circumstances?
FC: [laughs] Well, I'm just going to represent my constituents on the county board for the next three years and fight for the things that I ran on initially, and we'll see what happens. If there is a vehicle where I feel like I can make a difference and achieve some of these goals, then yeah, I'll do it. But it's way too early to tell.
Board PresidentChicagoChicago Park DistrictChicagoistCook CountyCook County BoardCook County Board PresidentCook County Board President John StrogercookcountyboardpresidentjohnstrogerCounty BoardCounty Board PresidentCounty Board President JohnCounty Board President John StrogerDaleydistrictDistrictForrest ClaypoolforrestclaypoolgovernmentHarold WashingtonharoldwashingtonInterviewJohn Strogerjohnstrogerlawpark districtPark DistrictPoliticspoliticsPresident John StrogerRepublicanthe futureTodd StrogertoddstrogerTony PeraicatonyperaicauniversityWashington


During one of my short trips back to Ipoh, my mum, sister and I decided to try out the new hyped cafe called Purple Moon Lover in Canning Garden, Ipoh. What really captured my attention was the landscape as well as how they have built the place.
Upon entering, we were greeted by this huge display of cakes in all sizes and flavors, and also the counter where food orders are placed. I especially loved how they decorated the ceilings with greens!
Besides cakes, they have pastries too!
As for main meals, this is all that they serve - not sure if there'll be a menu expansion in the future. It's mostly Japanese cuisine and we enjoyed it very much.
After placing our orders, we were given our table number, 28, which is also my birth date as well as my lucky number. Definitely a must to photograph, and it's so cute how they put it all together!
Didn't manage to take a lot of photos as the place was rather packed that day, and also our time was mostly spent on catching up with each other. Definitely a good place for both food and environment!


Knoxville Wedding Invitations. Click to get tips on choosing your invitations!
I love all the Knoxville wedding invitations I've been getting lately! Couples sending me their save-the-dates is so special to me. It's a step toward their big day, and an exciting reminder of their beautiful celebration of their marriage to come.
I get a little giddy when I get invitations in the mail and start seeing a couple's vision on paper. I talk to my couples beforehand about how they envision their day going, colors, floral, etc. But seeing it on paper is just so exciting!
Today, I'm featuring one of my favorite Knoxville wedding invitations from 2017. Harrison & Mariah's beautiful, understated and elegant invitation photographs so beautifully! Pro Tip: When looking for an invitation, it will make your wedding photographer's heart sing if your names are close together. We love those elegant ring shots with your names just behind the rings! And how elegant! You can see more of Harrison & Mariah's The Standard Knoxville, Tn Wedding at that link. It was a beautiful day (even though it was raining!) because The Standard Knoxville photographs so well!
There are so many places to get wedding invitations! A quick google search returns a ton of great options, ranging from expensive photo cards to less expensive, one-sheet cards. Here in Knoxville, I recommend Custom Love Gifts. They have a product for most budgets and their work is quality. I think a lot of brides immediately think that the big-name companies offer bigger discounts. But I've learned from experience that those "discounts" are pretty gimmicky. I ordered Christmas cards this year from Vistaprint because I was super last-minute with them (what's new?), and even with standard shipping, the cards came out to $2/card. I could have gone with Artifact Uprising and gotten the same card, but my initial thought was that AU would be more expensive! Nope.
Whatever option you decide to go with, make sure it embodies the style you want for your wedding day. I told a couple recently, a Save The Date really sets the tone for your wedding day. It's almost like advertising! It gives your guest a look into what your day will look like!


The Lustrolite Profiles are designed to create an attractive finish to the edges of Lustrolite panels. Each profile is available in 9 colours to match the panels, as well as a matt aluminium finish. The profiles are available in either 1250mm or 2500mm lengths.
Edge Profile - to finish exposed edges of panels.
Straight Joint - to cover the joint between two panels.
External Corner - to cover the exposed joint at an external corner.
Internal Corner - to cover the exposed joint at an internal corner.


i have a question, how do i get to dream land again?
This is one of the best flash games I ever played.
This game realized me, that games can be art.
One of the best things about this game, is the atmosphere. It shows perfectly a rocker girls mind under this in-game society and the apple tree symbolism is just pure teenager mentalism.
I remember how much I thought about it, and I think the tree scene is about the meaningless of life, what I'am sure every stressful teenager feel or felt at least once in a lifetime.
This girl just throw away a perfect piece of apple, even she was a good girl, because overall it doesn't really matter; nothing really matters for her. And the game about finding out, who she is and what she wants from her life and based upon our choices and carefulness, we will find a direction for it.
Serious, but funny and visually nice and have little easter eggs and small things that helps build this universe the game made into.
Also, this game have the best musics I ever heard of, and they are used pretty well as some scene was build around the music.
This is an all-time classic of online gaming, especially for the teen audience. It entertaining, fun and makes you think in different ways about your life.
This is how I love a game, telling its story, but you decide what does it mean to you.


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India-EU free trade agreement: State of play and way forward
by Edouard Descotis
India and the European Union (EU) have been negotiating a bilateral free trade agreement known as the Broad-based Trade and Investment Agreement (BTIA) since 2007. The negotiations cover a wide range of topics including tariff reductions, market access for services, intellectual property rights and investments. The last round of discussions took place in November 2013 and the negotiations have stalled ever since. Recent events including the ongoing Brexit negotiations and the termination of investment treaties might however have a direct impact on the BTIA and one can expect negotiations to resume in the near future.
Trading partners with different interests
The BTIA is a comprehensive agreement covering all aspects of trade in goods, services, intellectual property and investment. The EU is India's largest trading partner (13.5% of India's overall trade in 2015-16, well ahead of China (10.8%), the USA (9.3%), the UAE (7.7%) and Saudi Arabia (4.3%)). India was the EU's 9th trading partner in 2016 and Indian exports accounted for 2.2% of EU's overall trade. Despite the mutual interest in fostering bilateral trade and investments, India and the EU have diverging interests in the BTIA negotiations.
India is aiming to get a greater market access for services, especially for mode 1 services which cover cross border activities such as business process outsourcing (BPO) and knowledge process outsourcing (KPO). India is also interested in more liberal rules for the temporary movement of workers (mode 4 services) which would allow more skilled professionals like IT engineers to access the EU labour market and send higher remittances back to India in return. Non-tariff barriers such as sanitary and phytosanitary measures and technical barriers to trade are also a key aspect of the negotiations for India. The EU has been imposing stringent sanitary measures and labelling rules which hinder India's exports to the EU. In 2014 the EU temporarily banned the imports of Alphonso mangoes and four vegetables from India due to fruit flies and other pest infestation.
The EU is particularly interested in tariff reductions on imports of cars, wine and spirits on which India still levies stiff customs duties. The EU also wishes to negotiate more favourable rules governing the commercial presence (mode 3 services) for retailing, banking, legal services and insurance. Intellectual property protection is also at the core of the negotiations. Brussels wants New Delhi to adopt stringent intellectual property protection which goes beyond the obligations of the so-called Trade-Related Aspects of Intellectual Property Rights (TRIPS) Agreement. According to the TRIPS, India is allowed by the WTO to disregard intellectual property in order to protect public health which is seen by several developed countries, including the EU, as a threat of their intellectual property rights. The EU also wants more protection for foreign direct investment in India.
Despite several rounds of negotiations, the agreement is still far from being concluded. India and the EU have failed to agree on substantial issues, including tariffs cut, intellectual property protection and liberalization in trade in services. The recent Brexit decision and the denunciation of investment treaties by India have modified the conditions prevailing during the last round of talks in 2013. Hence there is a possibility of resumption of the negotiations in the near future.
Ongoing Brexit and its consequences for the BTIA
In June 2016, the UK decided to pull out of the EU. Negotiations on the UK withdrawal are ongoing and the Brexit may make it easier for India and the EU to conclude the BTIA. Indeed, amongst the elements that have stalled the negotiations are the liberalization of visa rules for Indian workers and the reduction of tariffs on spirits. The UK has a substantive interest in both issues as it is opposed to liberal visa rules for Indian skilled labour and wants its whiskey and other spirits to face lower customs duties in India. Once the UK is out of the BTIA talks, one can safely expect easier negotiations. However, the recent decision of India to terminate bilateral investment treaties appears to be the main reason for the stalemate.
Termination of bilateral investment treaties
India signed bilateral investment treaties (BITs) with several Member States of the EU in order to protect investments. However, in 2016 India unilaterally decided to terminate BITs with 57 countries including the UK, Germany and France scraping key protection for foreign investors. The BIT with the Netherlands expired on 30 November 2016 meaning that Indian investments in the Netherlands and vice versa made before the termination will still be protected for a 15-year period but new investments will not receive any protection. New Delhi decided to terminate the BITs in order to re-negotiate the old treaties on the basis of a new model text BIT. The contentious issue with the new model BIT lies with a refined Investor State Dispute Settlement (ISDS) provision requiring investors to exhaust all domestic procedures before seeking international arbitration. The new ISDS also limits the power of the arbitral tribunal to awarding monetary compensation alone. The EU is opposed to the new ISDS provision and has urged India to extend the old-investment treaties by six months before resuming the BTIA talks. India, however, wants a new BIT based on the model text to be part of the free-trade negotiations. The recent visit of Prime Minister Modi in Germany and France might help in finding a solution to break the deadlock as German companies are calling for a swift solution to protect investments.
A year ago, everyone was expecting the conclusions of two mega-trade agreements: the Trans-Atlantic Trade and Investment Partnership (TTIP) between the EU and the USA and the Trans-Pacific Partnership (TPP) involving 12 Pacific rim countries including the USA. However, the Brexit and the new trade policy of the United States following the election of new US President have dramatically changed the picture. Indeed, the USA decided to pull out of the TPP, and the TTIP negotiations are stalled. In addition, the EU is now entering unchartered waters in the Brexit negotiations and India is busy negotiating the Regional Comprehensive Economic Partnership (RCEP), a mega-regional trade agreement with the ASEAN countries plus Australia, China, Japan, South Korea and New Zealand. However, RCEP negotiations are complex and involve sixteen countries at different level of development and with diverging interests. Resuming the BTIA negotiations could therefore be good move for India for the following reasons: first, the EU is India's first trading partner; the benefits might thus be easier to reap given the trade volume. Second, both parties have a substantial market and big population. Third, an ismproved market access for services and a better integration in the global value chains are key elements for India's continuous economic development. It is hence believed that the upcoming months might see the revival of the BTIA.
[The author is Principal Associate, International Trade Practice, Lakshmikumaran & Sridharan, New Delhi]


Diwali has not yet started, but even healthy people can experience health impacts from polluted air including respiratory irritation or breathing difficulties during exercise and outdoor activities.
With the approach of winters, coupled with the rising pollution levels, the Capital city is facing health hazards with some even experiencing irritation in eyes and breathing problems. The Air Quality Index (AQI) around Mandir Marg recorded PM 10 levels at 707 and PM 2.5 at 663, while PM 10 levels were 681 and 676 around Jawaharlal Nehru Stadium and Major Dhyan Chand National Stadium respectively.
It has been noticed that there has been a rise in the cases of respiratory problems such as asthma, bronchitis and (COPD) Chronic Obstruction Airway Disease. There has been a general rise in patients of asthma as in winters or when the air becomes thick and hence they have difficulty in breathing. This year, due to pollution, there is a rise in upper respiratory tract infections such as common cough and cold.
The adverse health effects of air pollution have long been recognised. However, there is less awareness that the majority of the morbidity and mortality caused by air pollution is due to its effects on the cardiovascular system.
High air pollution levels can cause immediate health problems including aggravated cardiovascular and respiratory illness, added stress to heart and lungs, which must work harder to supply the body with oxygen and damaged cells in the respiratory system.
1. Try to keep yourself covered.
3. Make your home greener.
4. Try to restrict your exposure to fumes of firecrackers.
5. Boost immunity by drinking plenty of water or increase the intake of fluids.
6. Avoid fatty foods. Besides, certain food items like apples, apricots, broccoli, walnuts and beans contain a good amount of anti-oxidants and are good for lung health and immunity.
In an exclusive interview with Vivek Oberoi on his role as PM Narendra Modi.


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Full-Service Accounting
Full-Service Compliance
Meet the Aux Team
AUX Blog
A Personal Interview with Carrie Langgard, CFO/EVP of Sooper CU
Hello and welcome to our fourth edition of The Juicy Stuff: An Interview Series with Our Board Members. Each month throughout 2019, I will be interviewing one of our board members and publishing it to our blog, right here. The interview is a mix of strategic questions as well as surprise questions to keep things entertaining.
This month, I interviewed Ms. Carrie Langgard, CFO/EVP of $388M Sooper Credit Union in Denver, CO.
Carrie is the newest member of our Board and was elected in May of 2018. I was told enthusiastically that interviewing Carrie would be "a lot of fun," not exactly knowing what that meant. Would we go out for mid-morning margaritas? Would Carrie sing "Don't Stop Believing" karaoke with me? My mind was racing with possibilities.
Carrie is a mover and shaker in the credit union sphere, and as you'll soon find out, this was never a truer statement than the day I interviewed her. Let's get started.
What are your credit union's goals for 2019?
Carrie Langgard: Well, we have a couple of retirements happening here. Of our executive team of four, two are retiring at the end of this year, so we have been preparing for this over the last few years. We have some fun and exciting goals this year. I just got a promotion as of yesterday, to EVP CFO. I now have all of operations; back office operations, the retail branching structure and human resources that are reporting to me.
Alicia Disantis: Congratulations!
C: Thank you. I'm really excited. We've been talking about this for a while. Sooper has grown substantially in the last few years, 25 percent in four years, so a fourth of our size. It's been a whirlwind. Our profitability is doing phenomenal as well as our loan growth. Sooper has always been a traditionally strong credit union, but we're growing fast in strength and size so we're excited about that.
A: Why do you think you're doing so well?
C: We've worked at tackling business from a different perspective. We've added some higher-level staff over the course of the last few years as we anticipate the retirements that are coming. Everyone has come to the table with new ways of thinking: a lot of data analytics, understanding our business more effectively and trying to find tune our profitability. Operating expense reductions and more thoroughly understanding our members has been a focus. This has helped us say "yes" to loans more often as we better understand the pricing and risk between the layers of credit, which has lead to improved profitability. We've worked really hard at that over the past few years and it's really paying off. We've also restructured our balance sheet to make it more profitable.
One goal for 2019 is to start transitioning the organization so by the time the retirements happen, we're in a really comfortable place. I feel like we're pretty much there already. It is important though to still be able to draw from the experience that our soon-to-be-retirees bring to the organization because both of them have been here for 20+ years. They're going to leave some pretty big holes, so we are trying to squeeze everything out of them while we can. We want to make sure that we carry on their legacy.
A: I feel like you can't prepare enough for something like this.
C: And at the same time, we're moving the organization forward. We have a lot of different technology that we're implementing.
A: Alright, your first surprise question.
What are you always curious to learn more about?
C: Talking with our members and hearing about their lives. That's always something I love. I don't get to have conversations with members daily like in prior years of my career. It's always fascinating to me how much people have been through…their accomplishments in life but also their trials and tribulations. That's something that really interests me is to hear people's stories.
A: Sometimes the higher up you go in the organization, the further away you get from the member.
C: Yes, that can be very true. But that's one thing we love to do here; really try to focus on our
members' stories and understand their lives so that we can better assist them.
What was challenging for you last year, as a credit union executive?
C: I think as our organization transitions and we have so much that we're trying to implement, the most challenging part is to realistically set expectations for what you're able to accomplish. We're just firing on all cylinders and moving forward as quickly as possible, and sometimes you can't get it all done. Trying to understand your limitations as individuals, as an organization and that you can't do everything at one time. It's all about strategy, planning and moving forward in a methodical way.
A: Do you follow any sort of guidelines or structure when you're making decisions about what's most important? It can be challenging when you have a lot of things in front of you that all can seem to have equal importance.
C: I think it's understanding what the mission of your organization is and what you're trying to
accomplish, and then, aligning everything you're working on with your strategic initiatives. As an organization, we have some clearly defined strategic initiatives. The goal is to line up behind those and say, "You know, we need to move forward and align with what our priorities are." Our group here did a really cool meeting this year where we took all of our strategic planning initiatives and laid them out on the wall on huge sticky notes. Then we came back and arranged them in order of priority and everyone got on the same page – what is number one? What is number two? If someone's asking for something that doesn't align with what we've decided our priorities to be, it will have to wait until next year.
A: And now is about the time that credit unions start veering from their strategic plan.
C: That's so true. Every month, as we sit in our leadership team meetings and ask, "Have our priorities shifted? Is there something that's making us not want to focus on our chosen path?" If we if we pick five or seven major goals we're likely to get those things done right, instead of trying to tackle too much, spreading ourselves to thin, doing a little of everything and accomplishing less.
You are sitting in front of the TV, what are you watching?
C: [Without hesitation] Game of Thrones.
A: I feel like I'm the only human who has not watched it.
C: My friend started watching and one of her favorite characters died and she said, "I'm crushed and disappointed. Why would you suggest I watch this? " and I said, "Give it a week. You'll have a new favorite character and will have forgotten all about the last one."
[At this moment, a coworker bursts in the door with a giant vase of flower congratulating Carrie on her promotion and hugging her. We then continue on with our Game of Thrones discussion.]
A: Who's your favorite character?
C: I don't really have a favorite anymore. One character I like is Daenerys Targaryen because she's a strong female leader with a compassionate heart. And, there's Jon Snow, who's the underdog to cheer for, and he is taking over the world now as the quiet, thinking leader that builds loyalty following his heart.
What changes have surprised you most in the credit union industry throughout the years – something you never expected to happen?
C: That's interesting. I cannot think of anything has really surprised me…I think that every industry evolves and maybe the fact that our industry hasn't evolved as fast as others is most surprising. Banks have evolved faster than credit unions. It surprises me sometimes that we keep doing things the way we've always done them in the past. Maybe that's because of the number of smaller credit unions, compared to banks, and it's difficult and expensive to put all that technology into play. I've been in the industry for over 20 years and of course there's been some changes from a technology perspective, but if you look at other industries, not that many. We've kept up with the pace of change more or less but haven't really been at the forefront of it. The lack of change has surprised me somewhat.
What is your favorite book and why?
C: Well, gosh I've had a few favorite books over the years. My favorite book is probably The Joy Luck Club by Amy Tan. A couple of her books are in my favorites list. I think there are things in your life you go back to constantly. My family is Asian on my mom's side (my dad is Norwegian) and there are these family similarities in her stories between how my own family came from China and the heartache that they've been through. There are times where I'm making decisions in life or trying to get refocused and I go back to some of the lessons that are in The Joy Luck Club and try to apply them, like finding your inner strength. Amy Tan refers to inner strength as a tiger spirit, that is quiet, focused, patient, and always ready. I've found myself quoting this book for 25 years. I didn't quite realize how much I'd come back to pieces of it throughout my lifetime.
My grandparents came over from China. My grandmother was born in Canada, but was taken back to China when she was young and had a pretty difficult life. She was never educated. She didn't know how to read. She was in an arranged marriage. My grandmother used to tell me, "Your life is an extension of my life. Every sacrifice I've made is to give you the freedom to make choices for yourself. To get an education, have a career of your own and to choose the person you want to love. I didn't have those choices and every dream that lays unfulfilled in me, can be a reality for you." That's been my life: making sure that I don't waste the sacrifices that somebody else made for me.
A: That's incredible.
C: Those are my guiding principles. And that book is about multiple?generational family stories of grandmothers, mothers and daughters, describing the exact same stories as my family: their children having opportunities that maybe they didn't appreciate because they didn't know what their mothers had been through to buy choices for their children.
What is something that most people love but you find overrated?
C: This Is Us. Everybody loves that show. I don't. I don't like the things that make you cry, because I feel like…WHY? Everyone was talking just the other day about how much their love that show, "Oh, I cannot wait to see This is Us and its going to make me cry!" [making sobbing sounds] WHY?
A: Maybe they need a good cry. Maybe it is cathartic?
C: That sounds awful.
A: You don't like crying?
C: I certainly wouldn't cry for entertainment purposes. There's enough is enough to cry about right now in the world.
A: Ok, let's move on. I'm really interested to hear your opinion on this question.
There is a new wave of credit union decision makers on the horizon. What advice would you give them, especially for women?
C: I think it's a few things. Understand what you want, for you, for your organization, for your members. Have a clear vision of what you're looking for and then don't be afraid to ask for things. I learned early in my career that waiting for people to hand me things doesn't work. "I'm going to work really hard and somebody will see that I could do this," and many times that was the case. But at the same time, I've seen instances where somebody had the voice to say, "Give me a shot!" She was the one who got a shot at it. And I would have liked that same shot, but I didn't ask for it. It will either give you the experience that you need, or it will teach you that this isn't what you want. Don't ever be afraid to use your voice to say, "Hey, I want to try that."
A: I think that's especially true for women; there is a societal norm where women don't feel comfortable asking for recognition.
C: Absolutely. We take what we're given, and we don't say, "Wait a minute, I don't want this." And most often, if you ask for an opportunity, whoever is in a position of power will support you and say, "Absolutely." I've worked with so many amazing men that have supported me.
What could you spend all day doing?
C: Sightseeing. I love seeing new things: whether it's going through a museum or an art gallery and trying to get different perspectives on a new city that I've never been to. My husband is the opposite of me ? his ideal vacation is sitting on a beach and not moving during the entire week. And I am am like, "I want to see every nook and cranny of this city!" I love to see new things and tackle new adventures; doing things I've never done before. That would be how I would spend each and every one of my days.
A: Do you travel a lot?
C: Not as often as I dream of traveling. I would like to travel a lot more. We have two young kids – they're only six and eight and we're adopting them. My husband and I have been through a journey with these kids trying to get them situated, helping them overcome their past, and make them feel secure and endlessly loved. It's been probably as much of a transition for us as it's been for them in the sense that we only thought, "This is going to be so much fun!" But some days it's a lot of work and we're exhausted at the end of the day. We didn't really anticipate that. I think there will there would be a point, especially with kids, where you could take them traveling with us and they would love that. And hopefully soon they'll get some passports and we'll be able to do explore the world.
Tell me your thoughts on the future of credit unions.
C: Two things. You never want to think that your industry can't go away because we've seen in the past that even the strongest of industries can fade into the woodwork if they don't stay relevant. On that same note, I think credit unions will always be relevant if we have a place where we provide a service that is focused on members and individuals' lives and not only on profits. We care a lot more about hearing our members stories than banks, but we also have to be able to reconcile the fact that we need to be the best at what we do, too.
Even as credit unions grow larger, it gives us more resources to focus on our members, a greater ability to help people, and to keep recognizing that we are not?for?profit industry. And that I think is going to keep us relevant in the future.
A: So you've got a positive outlook?
C: Yes, definitely. I think there was a period it was challenging, like anything. But credit
unions, now in particular, are really finding their place again. Maybe when the industry first started, and credit unions tried to be similar to banks. Now it's the opposite, "We have to differentiate ourselves from banks again!" and find our footing so that people really understand why we exist and that's what will make the difference. Credit unions are coming back now and gathering up their resources, which if you compare to banks is really not that much more, like 7 percent market share, right?
But I think that's enough to differentiate. We need to recognize that we're never going to be Chase or Bank of America or Wells Fargo Bank (Thank God). We're never going to be these huge conglomerate organizations who prey on people and their finances. We have more to offer than what the big banks do. Our difference is our strength. I think the credit union industry will focus a lot more on these strengths over the course of the next two decades.
A: Credit unions still struggle with branding though.
C: Absolutely. There are new generations coming along who support the principles of the credit union movement. The younger generations have more of a focus on philanthropy, helping people, and making choices that will better society as opposed to individual wealth. Credit unions are aligned perfectly with these. It's about getting a message out there: "Hey, from a mission perspective, choose us!"
I'm excited to be on the CU Service Network Board – it's been a year since I was elected! I feel CU Service Network is making some really strong moves for the future. I've been so impressed with the level of professionalism and how hard everybody works. I'm proud to be a part of a part of it.
A: We are happy to have you! Thank you, Carrie.
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Home India Education Covid hasn't crushed study abroad plans but students could face 'more competition'...
Covid hasn't crushed study abroad plans but students could face 'more competition' in 2021
Experts in the field of foreign education say 2021 is going to be an interesting year as more students are applying, including those who dropped their plans in 2020 due to Covid.
Kritika Sharma 28 November, 2020 10:09 am IST
Representational image of college students | du.ac.in
New Delhi: The process to apply to foreign universities for the 2021 academic session has already started, and Indian students, who make up a large chunk of the international students in countries like the United States, Canada, UK and Australia, are as keen to apply as every other year, despite the fear of Covid-19 still looming large.
Most universities across the world have opened up applications for their Fall semester (starting September 2021). They are, however, still undecided on whether or not to allow international students to come to campus. The decision completely depends on the respective countries' travel regulations and Covid-related restrictions.
Despite all the uncertainties, students seem to be undeterred in pursuing higher education abroad.
Experts in the field of international education, however, feel students are likely to face more competition in 2021 because those who gave up on their foreign dream in 2020 are applying again for the 2021 session, thereby increasing the number of applicants.
'More students are applying this year'
Pavithra Srinivasan, founder, Galvanize Test Prep, an ed-tech platform that helps students realise their dream to study abroad, said, "After people realised that this thing (Covid-19) is here to stay and they cannot drop their goals completely, from August we have seen an uptick in students who are registering with us. This means they have the same kind of interest as last year to study abroad.
"In fact, it looks like 2021 is going to be an interesting year because more students are applying this year, including those who dropped their plan for 2020 because of the pandemic. Students are thinking of having an admission offer in their hands, whether they will defer it if need be is something that they want to decide upon later," she added.
Galvanize had in November conducted a survey on 2,400 students registered with the platform to understand their preferences, and 89 per cent of the respondents said they wanted to continue with their plans of studying abroad. Only around 11 per cent of the total respondents said they have completely dropped their plans.
Talking about the increased competition for 2021 academic session, Rachna Dua, a Delhi-based freelance education consultant, said, "Students do fear that competition will be more in 2021 as those who had dropped their plans in 2020 are also applying for next year.
"I have noticed that students are applying to a lot more universities because of this fear, they are even applying to state universities and colleges that are not very well-known, just to be on the safe side," she added.
Also read: Coronavirus has forced 51% non-STEM Indian students to drop plan to study abroad: QS report
'Students taking active steps towards study-abroad journeys'
Stephanie Winters, public relations manager, Educational Testing Service, an agency that conducts TOEFL (Test of English as a Foreign Language) and GRE (Graduate Record Examination), which are accepted for admission by universities in the US and other countries, also agreed there is a positive trend in terms of student applications.
She said the intent to study abroad is reflected in the number of students taking the GRE test and TOEFL.
"To date, more than 4,00,000 test-takers globally have registered for the 'TOEFL iBT Home Edition' (TOEFL taken at home) and GRE General Test at home since their launch eight months ago, tens of thousands of which are from India alone," Winters said.
"This is a positive signal that students are taking active steps towards their study-abroad journeys…," she added.
She further said that though the pandemic has raised questions on students' plans to study abroad, "the question is not always about should they go, but rather where and when they should go".
She said while the pandemic has had a significant impact everywhere, each study destination as well as the institutes within it are handling it uniquely.
"With that said, Indian students are and will continue to be a steadfast part of the study abroad market — it is one of the largest source countries for international students globally, second only to China," she added.
Another industry expert agreed the number of aspirants for foreign universities has not gone down because of the pandemic.
"We have not seen students' interest dipping because of the pandemic. What has happened is students have started preparing for their applications a little late… usually for 2021 application, they would start preparing months in advance, but this year because of the uncertainty, many students got onto preparation in September," said Sumeet Jain, co-founder and Higher Education Expert at Yocket, an ed-tech platform that helps students with their foreign university applications.
Also read: Indian colleges see spurt in applications as Covid forces students to ditch foreign plans
'Countries are slowly opening up'
Some students ThePrint spoke to also said they were initially adopting a wait-and-watch policy, but ultimately decided to go ahead with their applications.
"I am aiming to join the university in 2021… so far I was skeptical about starting the application process, but I finally did it. Countries are slowly opening up and by the time I go to school in September, things should get better… or so I hope," said Sana Zehra, a Delhi University student, who is applying for a public policy programme in the US.
Akash Dwivedi, who has three years of work experience, has applied for an MBA in Canadian universities, and is sticking to his goal of joining school in 2021.
"I have set a goal for myself and if I do get accepted by a university of my choice, I will go ahead with it, whether I study through a hybrid model or virtually," he said.
Also read: Chinese students going abroad to get Covid vaccines that are still under trial
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Decluttering a home can go a long way toward making it healthier for your whole family, but it can be a big job. Over the years, we tend to collect lots of belongings but don't always have time to go through and pare them down, meaning they just keep piling up. Clothes and accessories, books, DVDs, toys, and pictures are some of the most common items that accumulate for homeowners, and fortunately, these are also some of the easiest to get rid of or organize.
Because clutter can be detrimental to your health and to the environment, it's important to go through the process as thoroughly as possible. This means cleaning out closets and the pantry, taking stock of the items you have inside cupboards and drawers, and considering having a garage sale or downloading an app that will allow you to sell those items through the second-hand economy. These are some of the easiest ways to get rid of items you no longer want or need without contributing to a landfill — one of the largest contributors to global warming.
Here are a few things to consider when you're ready to start decluttering.
Decluttering can easily become overwhelming, so it's crucial to start in one room and work your way out. Stay organized by preparing with trash bags, boxes, a fat black marker, and some sheets of paper so you can write down anything you want to pack up and donate; this will help you find it easily later if you have a garage sale. You can put items into three piles: keep, sell, and donate.
A good vacuum cleaner can help you keep things clean without doubling your efforts according to what type of flooring you have, so look for one that works equally well on tile, hardwood, and carpet. There are even models that run on battery power so you won't have to use electricity, which is a plus for any homeowner who wants to be more eco-friendly. Be sure you read reviews and guides online so you can choose the right one for your needs.
If your home doesn't have a ton of room, it's especially important to make sure you utilize every bit of space you have. This might mean finding creative storage solutions, such as furniture and decor that does double duty as storage space or using shelving that goes up rather than out. Also, it helps to think about using the inside of cabinet doors in the kitchen to hang utensils or measuring cups, or the space beneath your bed for flat bins that can hold extra blankets.
It's always fun to go shopping for new things, especially at the start of a new season, but it's a good rule to get rid of one thing for each new item you bring into the home. If you need to replace something, make sure you donate or sell the old item right away. Having a plan like this will help you prevent a buildup of more clutter. Also, a good rule of thumb in regards to many items is to give them away or sell them if they haven't been used in a year or more.
Decluttering your home can take some time, so try to be patient as you go through the process. Start with a good plan that will help you remain eco-friendly, and look for sustainable items when you buy new things so you won't have to worry about replacing them as often.


If you're like millions of new Galaxy S7 owners, then you're probably wondering what cool stuff you can do with your new phone. Here are our top 10 favorite tips and tricks you can use today to get more out of your $800 toy.
The Galaxy's Quick Charge 2.0 technology isn't just for wired charging anymore: Samsung has combined Qi Wireless charging with Quick Charge 2.0 technology to deliver charging speeds 1.4 times faster than the average Android. Buy a wireless charger to impress your coworkers or roommate. Samsung's official charger is priced at $69.99 USD, but you can find other cheaper chargers available online or in-store.
The S7 has a neat feature called Always On Display (AOD) that leaves your display on all the time without impacting battery life. This technology activates individual pixels, using only minimal energy without activating surrounding black pixels. It uses almost no power while displaying helpful information on your lock screen – like notifications or a clock. You might find it actually saves battery life because you're not checking your phone 50 times a day.
If you've ever tried to swear at your voice input system, then you probably end up seeing a lot of words like "ducking" and "sheet". If you want to search in the same way you speak, then unblock offensive words. Both Samsung and Google enable this out of the box.
We've all been there. You have an app you like, but it constantly floods your notification tray with pointless notifications. Fortunately, the S7 lets you easily prevent certain apps from doing this.
To disable app-specific notifications, go to Settings > Notifications > Toggle On/Off for each app.
You can also specific which notifications appear. Tap Advanced in the top right corner to toggle specific notifications, like popup notifications, lock screen notifications, and priority notifications.
You can also do this when you receive a notification. Tap and hold on the offending notification, then tap the "info" icon on the right and immediately toggle the notification off.
You can also tap Turn on as scheduled to automatically toggle it on or off based on a weekly schedule.
Or, tap Allow Exceptions to give certain contacts and apps emergency access. Allow Exceptions lets you choose no exceptions, alarms only, or custom exceptions (like only contacts, calls, messages, apps, etc.).
If you want to completely remove these apps from your device, then you'll need to root.
Yes, rooting voids your warranty. No, it's not for everybody. But wow, does it ever expand the functionality of your device. If you're the type of person who likes to tinker with electronics, then you can install Xposed to customize literally everything on your S7.
Even if you're not much of a tinkerer, then rooting popular phones like the S7 is easy enough for any Average Joe these days. Thanks to software like One Click Root, anyone who can click a left mouse button can root a phone.


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Football team rallies for Sara
September 1, 2016 March 14, 2017 by Cydnee Green
Weber State University football coach Jay Hill stands beside his wife, Sara Hill, who was recently diagnosed with stage 4 cancer. (Source: Weber State Athletics)
In a meeting with the football team on Aug. 9, head coach Jay Hill stressed to the team how important it is to support your teammates through rough times and to have each other's back on and off the field as they head into their 2016–17 season.
Moments later, his wife, Sara Hill, walked into his office after a doctor's appointment and told him she had been diagnosed with Stage 4 Hodgkin's Lymphoma, cancer of the lymphatic system, after months of testing.
"I didn't think in my wildest dreams that it would be cancer," Hill said in that media conference.
Sara was injured in early February and began the process of x-rays, MRIs and other miscellaneous tests, ruling out torn muscles, infections and broken bones.
"I was just thinking it was an infection. … I have had one before," Sara said. "Bottom line, I am thrilled to know what it is and to get rid of the pain. … Whatever it is, let's just get rid of it."
While making it clear that Sara is his main priority, Hill is still not sure how he plans to balance all of the tasks at hand.
"I want to be to her chemo treatments and support her as much as I can. But at the same time, we've got 95 players looking at us, expecting to win and be good this year," Hill said. "We do have to juggle it; we do have to balance it. I've got to rely on the assistant coaches. I have to rely on Sara to be strong. We are in the heart of it right now, and we are doing the best we can."
As the date was already set for a pre-season barbecue with players, coaches, wives and family members, Sara decided that shaving her head alongside a few Weber State football players would make it "less depressing."
"Luckily, a few players came — not just one or two — and shaved their heads with me," Sara said.
Around 20 players and coaches offered to shave their heads in support of Sara, including a few players who had been growing their long locks of hair for years.
"I couldn't be happier with the way (the team members) responded," Hill said. "For them to do what they did was a huge outpouring of love and support for us."
Hill believes remaining positive in all aspects of life will help them win this battle.
"It's a hard situation," Hill said. "We have to be optimistic, otherwise you're going to have everything weighing on you, and that's not the way to overcome something like this."
Sara will begin chemotherapy and other treatments beginning on Sept. 2, so she can attend the season opening football game against Utah State University in Logan on Sept. 1.
Posted in Campus Community, Football, Mywebermedia Slider, News, Signpost Slider, SportsTagged 2016-17 Season, Aug. 24, 2016, Aug. 9, 2016, cydnee green, Football Season, Jay Hill, logan, Sara Hill, Sara Strong, Stage 4 Hodgkin's Lymphoma, Thursday, Sept. 1, Utah State University, Weber State, Weber State football, Weber State University, Wildcat Athletics, Wildcat football, Wildcats
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