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Impact on Students
Majors and Programs
Student Success Resources
Housing & Facilities
Safety & Conduct
Guide to Stockton
Beyond Our Gates
Centers, Clinics & Institutes
return to Administration Offices
School and College Gifts
Tomorrow Project
Vereschagin Alumni House
My Pacific
Pacific's Top Priorities
University of the Pacific Schools and Colleges
Estate and Planned Giving
Pacific Alumni Association
Impact on Facilities
Powell Matched Endowments
Give to Pacific
University Development and Alumni Relations
Business: 209.946.2500
University of the Pacific
McConchie Hall
Michael Crook, McGeorge School of Law, Class of 2013
Part of what makes Pacific such a special place is the uniqueness of its student body, which includes men and women from 26 states, 14 countries and a multitude of socioeconomic, ethnic and religious backgrounds. To maintain that prized diversity, Pacific awards generous scholarships and financial aid to deserving students. In 2008 - 2009, for instance, more than 80 percent of the University's undergraduate students received financial assistance, with Pacific awarding scholarships and other aid totaling $11.2 million. In many ways, scholarships are the University's lifeblood.
Elizabeth Youngberg,Powell Scholar, Class of 2012
Sara Ruiz - Dreams Coming True
To help pay the bills, Pacific junior Sara Ruiz '12 began working in her uncle's grocery store at age 14. While other teenagers went off shopping to the mall, she bagged groceries and stocked shelves. Sara, now 20, studied hard with the goal of becoming the first in her family to go to college. Although she graduated as her high school's valedictorian and homecoming queen, Sara expected to attend a junior college or state university. That was all she could afford.
At the suggestion of a guidance counselor, Sara applied to Pacific and became the recipient of The Armando B. Flores Family Endowed Scholarship. She and the University have benefited greatly from her good fortune. An education major with a 3.96 GPA, Sara tutors elementary school students in reading, writing and arithmetic; serves as the current president of the Benerd School of Education Student Association; and is a member of the academic honors societies Alpha Epsilon Lambda and Kappa Delta Epsilon.
"My scholarship has changed my life and helped me realize my potential," says Sara, who plans to become an elementary school teacher. "I'm becoming a role model for kids in my community and showing them that you can accomplish your dreams no matter what obstacles there are in your life. I am so grateful to Pacific."
Sara Ruiz, Armando B. Flores Scholarship recipient, Class of 2012
Brianna Juhrend - Saving the World
Brianna Juhrend '13 has an abiding interest in developing clean water supplies for the Third World. At Pacific, she has studied aquatic chemistry and undertaken novel research on waste-to-energy projects.
A civil engineering major with an emphasis in environmental engineering, this distinguished Powell Scholar was recently selected as one of 15 college students and young environmental professionals from around the world for the highly competitive Tahoe Baikal Institute Summer Exchange Experience. Brianna spent eight weeks this summer with other environmental experts from the United States, Russia and Mongolia studying watershed protection and sustainable development at Lake Tahoe, Calif., and Lake Baikal in Siberia. "Being a Powell Scholar," Brianna says, "has given me the resources and support to push myself beyond what I even thought I was capable of."
Jose Hernandez - From Stockton to Space
It's a long way from the hot, dusty fields of San Joaquin Valley to the space shuttle Discovery. But former NASA astronaut Jose Hernandez '84 made that unlikely journey thanks partly to Pacific's Community Involvement Program.
Growing up the son of migrant farm workers, Jose, now 48, remembers moving throughout north San Joaquin Valley as his parents followed the seasonal crops. He spent summers and weekends alongside his mother and father, performing backbreaking labor under a scorching sun.
Inspired by watching on television Neil Armstrong 1969's moonwalk, young Jose dreamed of one day becoming an astronaut himself, a goal his parents nurtured. His later academic success notwithstanding, Jose worried that his family's modest means would make it impossible for him to attend college. Then he learned about CIP.
This pioneering program allowed Jose to attend Pacific, where he excelled in engineering. Looking back, he believes CIP shaped his life. "We had a one-week retreat before school started with empowering speakers that helped raise our self-esteem and confidence so we could succeed," says Jose, who graduated in 1984. "Coming to the CIP office felt like coming home on campus."
The tenacity that brought Jose to Pacific eventually led him to NASA, which accepted him after 11 rejections. In 2009, Jose blasted off into space on two-week mission that involved transporting material from space shuttle Discovery to the International Space Station. Mission accomplished.
Today, Jose serves as a Pacific Regent. Through his example and words, he encourages other talented low-income students to come to Pacific to change their lives, just as CIP allowed him to do all those years ago.
Pacific students sharing knowledge in Hungary


Need someone for a couple of hours to cook food on the barbeque in Preston. He or she must cook all the meat for about five people, should only be a hour or two of work.
5pm - 10pm (with the possibility of an extension @$30 per hour) Cocktails, mocktails and drinks bartender; includes prep and clean up Food service on platters Must haves: RSA, clothing, basic mixing equipment. Own insurance cover - none provided. This is a private event at a home. Best suited for someone who is easy going and gets along with people of all ages, abilities and cultures.
Iv got a wedding party tomorrow and urgently need someone from 8am to 1pm to clear tables, wash dishes dry dishes, offer food and drinks around, assist with kitchen duties.
I need a bartender for a small wedding reception for a friend at Preston on 18th June. Hours: 11.30AM-3PM Guests: 100 Person should be able to make good cocktails and be friendly! Anyone with previous bar-tending experience would be preferred! The budget is negotiable! basically we are looking for someone who understands its an important day for us and our family and will be accommodating! thanks!
I'm an rmit student who needs a size 6-8 female to try on a dress sample for my assignment. I need to take photos of front back and side but won't get your face in the photos. Please wear a singlet top and leggings. Need to fit the below: Bust 87cm Waist 65cm Hip 91cm No padded bras. Don't apply unless you can fit the above. Garment is non stretch. Try on garment and photos at my place in west Preston today.
I require girls in their late teens & early 20's to be models for makeup. Must be happy to post of social media. Looking to boost my business. Must attach clear photo & be prepared to travel to Preston Victoria. I use high end products & am a fully qualified makeup artist specialising in bridal & event makeup. Thank you!
Hi guys, Just need someone to cook and flip sausages & onions for a bathroom showroom grand opening on Saturday 23rd Feb in Preston VIC, from 10am-5pm Sole job will be to man the sausage sizzle and to hand out sausages to customers. No money handling needed. All sausages, bread, sauces, utensils & gloves will be provided. Must have safety food preparation experience and clean tidy workmanship and presentation.
We are having a BBQ for 50 people on Sun 2 Dec and are looking for someone to help us take care of our guests. Tasks include making sure everyone has a drink/something to eat and general tidy up including collecting/washing dirty plates & glasses. The payment offered is the total sum for 3 hours work from 12.00-3.00pm NOT a per hour rate! Previous tasker was cancelled because of this misunderstanding. You need to be well presented, clean and tidy.
We are looking for a friendly, experienced waiter/waitress to help us with a casual party for around 40 people at home. This would include heating, plating and serving finger food, restocking the self-serve bar, topping up drinks when time, washing glasses throughout the night and general cleaning up as you go. 4 hours from 7-11pm (party starts at 730pm) on Saturday 17 November.
Cathie was punctual and well presented. Cathie was happy to help with all the tasks we gave her and helped the party run smoothly, allowing us to enjoy our night. Thanks Cathie.
Hi, Need someone to help attend a bbq (cooking food), cleaning and serving. Ideally, start helping out at 3.30 and finishing up at 7.30. Four hours total. We had someone that was going to attend the bbq birthday party, help clean up, serve food. Unfortunately, they have pulled out last minute due to a medical emergency.
I need a bartender to make cocktails for a gathering that is taking place at my home on 24th December 2018. You will need to be there from 5pm to 10pm (or later depending on the guests) making cocktails or mocktails and serving drinks. Including prep and clean up. I will provide a set list of cocktails with all ingredients and instructions. Experience in bartending is needed. Please apply if you are friendly, cheerful and reliable.
We are having a lunch time party for my mums 60th tomorrow Sunday 15 October. We would like 1 person to assist from 12:50 pm to 4:30 max 5pm to help serve drinks, entrees and help with dishes.
Worker to help me to make food at 11pm or 12am until finish limit of food that should be taken around 3 or 4 hours .
Have makeup done for free! This is a non paying job. I am looking for attractive models who are happy to be makeup models & photos be put on social media. 10+ years experience in makeup industry. Products used: Nars, Urban Decay, Too Faced, Mac, Stilla, Makeup Geek, Gorgeous Cosmetics, Becca, Model Rock & more. Must be happy to travel to Preston. Send me a recent & accurate photo!
Tania was amazing - she did an excellent job and was professional and pleasant to have around. She worked very hard and made sure all our guests were well taken care of with food and drinks. Tania also has a great eye for food preparation and presentation, making simple salads and platters look amazing! I would not hesitate in recommending Tania and will certainly be asking for her help again at any future functions.


This weeks "I want what she has!" goes to Kaitlyn Fergus. I am just gushing over this dress and the color combination!
Okay, I love Target. They always surprise me and I love that! This dress is beautiful and I will for sure be swapping it with Katie during our next closet swap. Great find Kaitlyn, you look stunning as always!
I LOVE target!! Great dress Kaitlyn!
Very pretty! I just love Target too!
Love this outfit, especially yous belt!
The belt adds something special! Follow each other?


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Bill Burr Age, Height, Weight, Net Worth 2022, Bio, Wiki
Real Name/Full Name William Frederick Burr
Nick Name/Celebrated Name: Bill Burr
Birth Place: Canton, Massachusetts, United States
Date Of Birth/Birthday: 10 June 1968
Parents Name: Father – Robert Edmund Burr
Mother –Linda Ann
School: Massachusetts high school
College: Emerson College in Boston
Zodiac Sign: Virgo
Wife/Spouse Name: Nia Renee Hill (m. 2013)
Kids/Children Name: Lola Burr
Profession: Stand-up comedian
William Frederick Burr, also known as Bill Burr, is an American comedian and actor. He is also a producer and has produced a show on Netflix called 'F for family.' He has also hosted many shows and has been loved by the audience. He talks about marriage, dating, politics, and many more subjects. He started his career in 1992, and before that, he worked in warehouses. His journey has been hardworking and inspiring.
Well, how well do you know about Bill Burr? If not much, we have compiled all you need to know about Bill Burr's net worth in 2022, his age, height, weight, wife, kids, biography and complete details about his life. Well, if you're all set, here is what we know about Bill Burr to date.
Burr was born on 10th June 1968 in Canton, Massachusetts, US. His father, Robert Edmund Burr, was a dentist and her mother, Linda Ann, was a nurse. Burr has five siblings. As a child, Burr had a keen interest in performing on the stage. Apart from that, he had a liking for music and often played drums in his leisure time. He is a retro man who loves to smoke a cigar. He is a real fan of Rock music and is a huge supporter of great Led Zeppelin, AC/DC and other rock bands of that genre.
So, how old is Bill Burr in 2022 and what is his height and weight? Well, Bill Burr's age is 53 years old as of today's date 21st January 2022 having been born on 10 June 1968. Though, he is 5′ 10″ in feet and inches and 178 cm in Centimetres tall, he weighs about 154 lbs in Pound and 70 kg in Kilograms.
Burr is a graduate of Massachusetts High School in 1987. He further went to Emerson College in Boston, where he did a bachelor's degree in radio. He had always loved to express his feelings about how he copes in all life situations in various programs he had always loved.
Bill Burr With Wife Nia Renee Hill
Now coming on to Bill's personal life, he is married to his lady love Nia Renee Hill in 2013. The couple is blessed with two lovely children. They have an elegant house in Los Angeles, where they lead a wholesome life.
Is Bill Burr Gay?
No, Bill Burr is definitely not gay and is happily married to Nia Renee Hill. The couple seems to be having a great relationship and are proud parents of their daughter as well.
After he moved to New York, Bill started his career first appeared in a podcast show named "Bill Burr's Monday Morning Podcast." He has also marked his appearance on multiple radio shows. He speaks about what he actually feels in politics, life, dating, and responding to what his audience wants to listen to. After becoming popular through his fantastic work, he has often seen on many podcast shows, and many comedy shows on various platforms.
He acted in Perfect Fit, Twisted Fortune Black or White, Walk of Shame, and several other roles. His voice has been recorded and used in GTA games and played in the 'The Lost and Damned.' People on the comedy circuit have given him the title of "comedian's comedian." He also gave a graceful monologue, which invited a little spark of criticism and also applauded.
Besides this, he has also appeared in Breaking Bad, Crashing on HBO, and has also worked as co-producers of various shows. He also lest the tongue-wagging when he actively spoke about Black Lives Matter and also about COVID-19.
For her perfect spectacular performance, he was awarded Comedian of the year in 2011. He has also presented the Alumni Award of Distinction. He has also set up a record in recording most consecutive sold-out shows at Wilbur Theatre.
Net Worth, Salary & Earnings of Bill Burr in 2022
Bill Burr Net Worth
The net worth of Bill Burr is estimated in 2022 and found to be around $15 million. He earned this significant sum of income by being a successful stand-up comedian, producer, and amazing actor.
Right from the time he worked in the warehouses, he has always respected the idea of freedom of job and was against workers' exploitation.
One may get surprised to know that he has got a license as a helicopter pilot.
He has a vast knowledge of the music industry and often talks about rock music.
He did nearly 200 stand-up comedy shows in his professional career so far.
In the popular video game Grand Theft Auto IV, Voice featured in one of the scenes.
With a wide range of acting skills, comedy, and producing quality content skills, one can rightly say that he is really thriving in his career. He was indeed able to achieve some incredible heights. He broadly addresses major political issues and social issues apart from taking just about random stuff. Audiences greatly love him all around the world.

redpajama_set_name: RedPajamaCommonCrawl


Audrey Rose Fairchild, the daughter of Herbert and Mildred (Stemple) Fransen was born October 2, 1930 in Bancroft, SD. Her childhood years were spent near Huron, SD before moving to Estherville, IA in 2nd grade. She graduated from Estherville High School in 1948 and continued her education at Estherville Junior College and Colorado University.
Audrey married Estel Fairchild on February 13, 1953 in Jackson, MN. She worked as a teacher in Milford and Terril. She also worked at Village West. She enjoyed reading, traveling, and spending time with family, especially her grandchildren.
Left to cherish her memory are her husband, Estel of Spencer, IA; 3 children, Kathy (John) Nicholls of Altoona, IA, Mary (Jeff) Held of Arlington, VA, and James (Mary) Fairchild of Elgin, IL; 7 grandchildren; 6 great-grandchildren (with one on the way); other relatives and many friends.
Funeral services will take place 10:00 A.M., Saturday, July 14, at the Warner Chapel in Spencer.
Visitation will take place Friday, July 13, starting at 4:00 P.M., with family present from 5:30-7:30 P.M., at Warner Funeral Home in Spencer.
"Let There Be Peace On Earch"
A time of lunch and fellowship will take place after the burial at the United Methodist Church in Terril.


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Skip to main content Opinions Editorial Board Global Opinions The Opinions Essay First 100 Days D.C., Md. & Va. Opinions Cartoons Cape Up Post Opinión Video Letters
Robert Conquest and the need for the courage to illuminate the truth
President George W. Bush presents the Presidential Medal of Freedom to historian Robert Conquest, left, in 2005. (Evan Vucci/Associated Press)
By Anne Applebaum
Columnist focusing on national politics and foreign policy
Email Bio Follow
At least 40 years ago, back when the Soviet Union still existed and the Berlin Wall still stood, the KGB searched the apartment of a Russian friend of mine. Inevitably, the agents found what they were looking for: his large collection of samizdat, illegally printed magazines and books. They pounced on them, rifled through them — and then one held up my friend's contraband copy of Robert Conquest's most famous book, "The Great Terror." "Excellent, we've been wanting to read this for a long time," he declared. Or words to that effect.
Nowadays, it's difficult even to conjure up the background necessary to explain that scene. Can anyone younger than 30 imagine a world without satellite television and the Internet, a world in which TV, radio and borders were so heavily patrolled that it really was possible to prevent a very large country from reading a single book? It was also possible to control and distort that country's history, so much so that its own citizens were unable to find out the truth from their own writers, in their own language. In the Soviet Union, there was always a vast gap between the official versions of the past and the stories that people knew from their parents and grandparents. That gap made people curious, hungry to know what really happened — even people who worked for the KGB.
From the 1940s onward, Conquest, who died this week at 98, dedicated his life to filling that gap. He first visited the U.S.S.R. in 1937 (as I once heard him tell an incredulous group of much younger scholars) and then spent much of the war as a British intelligence officer, working on Bulgaria. During that time, he came to loathe not only the crimes of the regime but also the lies it told about itself, especially when they were repeated in the West.
Soviet history was not his only passion. He was also a poet; the title of his unfinished memoir was "Two Muses." Unsurprisingly, his two most important books — "The Great Terror" (1968), the story of Stalin's purges and show trials, and "Harvest of Sorrow" (1986), on the orchestrated Ukrainian famine — are as outstanding for their insights into human behavior as for the facts they assembled. In part, this is because Conquest listened to, and quoted from, the emigres and defectors who were at the time often dismissed as "biased": They didn't understand great power politics, or they bore grudges, or they didn't understand that they were unimportant casualties on the road to the Communist utopia.
"You can't make an omelete without breaking eggs," said Stalin's apologists. But Conquest relied on history's casualties to explain, for example, why so many people in Stalin's Soviet Union confessed to crimes they did not commit. In "The Great Terror," he quoted a prisoner: "After fifty or sixty interrogations with cold and hunger and almost no sleep, a man becomes like an automaton — his eyes are bright, his legs swollen, his hands trembling. In this state, he is often convinced he is guilty." Over the past two decades, archives have made it possible to write about Stalinism in different and more precise ways. But they also show that the defectors and emigres got the outline of the story right — and so did Conquest.
Nowadays, it's much harder to stop books from crossing borders. Ideas and information can travel at the speed of a mouse click. But that hasn't stopped authoritarians around the world from trying to distort facts and history in new ways. Some try to control the Internet: The Great Firewall of China filters not only what Chinese readers can see but also what they can search for in the first place. Others use disinformation, swamping the Internet with fake stories: After the downing of Malaysia Airlines Flight 17 in eastern Ukraine last year, the Russian regime concocted not one lie about the event but dozens, each more absurd than the other. It's no longer possible to fight a big lie with a single book. But the world needs the creativity and the courage of Robert Conquest more than ever.
Read more from Anne Applebaum's archive, follow her on Twitter or subscribe to her updates on Facebook.
Read more on this issue:
Ilya Somin: Robert Conquest, RIP
Alexey Semyonov and Alexey Bayer: A cloud over Russia's civil society
The Post's View: Putin stamps on his citizens again, this time with Internet censorship
Anne Applebaum Anne Applebaum is a Washington Post columnist, covering national politics and foreign policy, with a special focus on Europe and Russia. She is also a Pulitzer Prize-winning historian and a professor of practice at the London School of Economics. She is a former member of The Washington Post's editorial board. Follow


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The impact of post-study work opportunity on international student recruitment
The government announcement to reintroduce a two-year post-study work (PSW) opportunity is huge news for the higher education sector which has been campaigning for years to achieve this policy change. From 2020/21 onwards, international students in the UK will once again have the opportunity to work in the UK post-graduation for up to two years, a change which is likely to have a significant positive impact on international student recruitment.
In 2012 the existing two-year PSW opportunity was abolished and the number of international students (particularly from India) enrolling in the UK decreased, with many students opting instead to enrol at universities in the US, Canada, Australia and New Zealand.
Currently international students have a period of 4 months to search for skilled work in the UK after completing their studies. This has put the UK at a competitive disadvantage as a study destination with key competitors and especially with Canada which allows international students to work up to four years post graduation with a clear route to permanent residency.
Supporting the GREAT campaign, we have been tracking the competitiveness of the UK as an international study destination around the world for the last six years and as highlighted in our latest, 'Why the UK?' report, the opportunity to work in the host country after studying is an extremely important destination choice criterion for many prospective internationally mobile students. The chart below, based on feedback from more than 2,000 new international students at UK HEIs in 2018, shows clearly how the UK has been vulnerable on access to post-study employment opportunities compared to other competitor countries.
Detailed analysis allows us to understand the impact for individual origin markets, for postgraduate vs undergraduate prospects and in comparison against specific national competitors such as Canada, USA, Australia.
The reinstatement of a PSW opportunity should therefore enhance the UK's higher education competitive advantage internationally and help reinforce its reputation in non-EU countries in the long term. The abolition of the previous PSW route became a cause celebre in the Indian media, for example, and was widely interpreted as evidence that the UK no longer welcomed students from South Asia.
Paradoxically, in the short-term the change may cause some headaches for universities in the academic year just starting with potentially a rush of students looking to defer the start of their course to next year in order to guarantee that they will be able to benefit from the new opportunity.
To all higher education institutions in the UK: Find out more and get involved in our 2021/22 study on the international student journey
Rebound in student applications from China: A Blessing or a curse for UK HEIs?
The experience of the Covid-19 pandemic among international students in the UK: New original research highlights key challenges for the UK and the HE sector
Measures to widen access to the independent education sector are supported by significant proportions of the British public
Brexit – is it a positive or a negative for international recruitment?
British International Schools Provide Key Pathway into UK Higher Education
Here and there – TNE as a way of gaining an international qualification
The Lycée Winston Churchill; the future for intercultural education?
UK higher education faces growing international competition including from within the EU
Parents highly satisfied with state boarding provision reveals our latest research
Success in international education requires inter-cultural competence
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How Much Is Vanguard 500 Index Fund?
Finance / January 23, 2023 January 23, 2023 / 4 minutes of reading
Vanguard 500 Index Fund is one of the oldest and most popular index funds. It tracks the S&P 500, which includes the 500 largest US companies by market capitalization. The fund has low expense ratios and has outperformed actively managed funds over time.
You can buy Vanguard 500 Index Fund through a brokerage account or through a Vanguard mutual fund account. If you have a Vanguard mutual fund account, you can purchase the fund without paying any commission. However, if you purchase the fund through a brokerage account, you may have to pay a commission.
The minimum investment for Vanguard 500 Index Fund is $3,000. However, if you are investing in an IRA or another type of retirement account, the minimum investment may be different.
The expense ratio for Vanguard 500 Index Fund is 0.14%. This is one of the lowest expense ratios for any mutual fund.
The performance of Vanguard 500 Index Fund has been strong over the long-term. The fund has outperformed the majority of actively managed funds and has provided investors with a solid return.
See also How to Get Out of Bridgecrest Loan?
If you are looking for a low-cost index fund that tracks the S&P 500, Vanguard 500 Index Fund is a good option. The fund has a low expense ratio and has a history of outperforming actively managed funds.
https://www.youtube.com/watch?v=PVgpKaXj0fk
Video can't be loaded because JavaScript is disabled: Vanguard Index Funds: A Complete Beginner's Guide to Investing (https://www.youtube.com/watch?v=PVgpKaXj0fk)
How Much Does It Cost to Open a Vanguard S&P 500 Index Fund?
There is no cost to open a Vanguard account. However, if you are opening a brokerage account, you may have to pay a commission to purchase the fund.
Does Vanguard Have a 500 Index Fund?
Yes, Vanguard offers a 500 Index Fund that tracks the S&P 500 index. The fund has low expense ratios and has outperformed actively managed funds over time.
See also How to Submit Forms to IRS?
How Do I Buy a Vanguard 500 Index Fund?
Is Investing in S&P 500 a Good Idea?
Yes, investing in the S&P 500 is a good idea. The index includes the 500 largest US companies by market capitalization and has outperformed actively managed funds over time.
Does Vanguard S&P 500 Pay Dividends?
Yes, Vanguard S&P 500 pays dividends. The dividend yield for the fund is 1.8%.
What Are the Top 5 Vanguard Funds?
The top 5 Vanguard funds are:
1. Vanguard 500 Index Fund
2. Vanguard Total Stock Market Index Fund
3. Vanguard International Stock Index Fund
4. Vanguard Emerging Markets Stock Index Fund
5. Vanguard Bond Index Fund
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Which Vanguard Fund Has the Highest Return?
Vanguard 500 Index Fund has the highest return of any Vanguard fund. The fund has a history of outperforming actively managed funds and has provided investors with a solid return.
How Do I Buy an S&P 500 ETF?
You can buy an S&P 500 ETF through a brokerage account or through a mutual fund account. If you have a Vanguard mutual fund account, you can purchase the ETF without paying any commission. However, if you purchase the ETF through a brokerage account, you may have to pay a commission.
What Is the Average Return on Vanguard Funds?
The average return on Vanguard funds is 8.5%. This is higher than the average return of actively managed funds.
How Much Money Do You Need to Invest With Vanguard?
See also Why Stock Market Is Down?
How Much Does an Index Fund Cost?
An index fund typically has low expense ratios. For example, the expense ratio for Vanguard 500 Index Fund is 0.14%. This is one of the lowest expense ratios for any mutual fund.
Which Index Fund Is Best?
There is no one "best" index fund. However, Vanguard 500 Index Fund is a good option for investors who are looking for a low-cost index fund that tracks the S&P 500. The fund has a low expense ratio and has a history of outperforming actively managed funds.
Who Is Better Fidelity or Vanguard?
There is no one "better" firm. Both Vanguard and Fidelity offer high-quality investment products and services. However, Vanguard is known for its low-cost index funds, while Fidelity is known for its actively managed funds.
Which Is Better ETF or Index Fund?
There is no one "better" investment. Both ETFs and index funds offer investors a low-cost way to invest in a broad range of assets. However, ETFs are more liquid than index funds and may be a better choice for investors who need to access their money quickly.
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Does Vanguard Offer a Roth IRA?
Yes, Vanguard offers a Roth IRA. The minimum investment for a Vanguard Roth IRA is $3,000.
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Special Transport
'Inspired by Mackintosh' Photographic Competition
The Great Dormouse Scavenger Hunt
© Archdiocese of Glasgow
St. Andrews Cathedral
Glasgows first post-Reformation Catholic Church and an early example of Gothic revivalism. See its renewed splendour with stunning decor, artwork including Peter Howsons St. John Ogilvie and the addition of a cloister garden.
The Roman Catholic Church in Great Clyde Street is justly considered one of the finest ecclesiastical edifices in the city, and occupies a prominent site on the north bank of the river. The exterior is very ornamental, and is fitted up in a plain manner, unlike the general appearance of Roman Catholic churches. The designs were furnished by Mr. Gillespie Graham, architect, Edinburgh. (From Sketches of the History of Glasgow, 1847.)
This description of St. Andrews Cathedral shows the impact that the building of this Church had on the minds of the people of Glasgow . The driving force behind the building was a priest from the Enzie of Banff, Rev. Andrew Scott. He had been given the care of the Catholics of Glasgow in 1805 and was determined to build a Church that would serve the needs of the growing Catholic population of the city.
The foundation stone was laid in June 1814. On December 22nd 1816, Holy Mass was celebrated for the first time within its walls.For the first two centuries after the Reformation there was practically no Catholic presence in Glasgow, but by the end of the 18th century Glasgows industrial expansion was attracting many Catholic workers from Ireland and parts of the Scottish Highlands. Scotlands Catholic Hierarchy was restored in 1878, and Charles Eyre was named the first post-Reformation Archbishop of Glasgow. In 1884 the Chapter of Canons was re-erected and subsequently St. Andrews became the Cathedral of the re-established Archdiocese.
In 1947, with the establishment of the new Dioceses of Motherwell and Paisley, the Archdiocese of Glasgow recovered the metropolitan status which it had had before the Reformation and St. Andrews became a Metropolitan Cathedral.The Cathedral was restored by Archbishop Mario Conti and re-opened in April 2011.
Guided tours of Cloister Garden on Saturday and Sunday. Guided tours of the Cathedral at 2pm and 2.30pm on Sunday with an organ recital at 3pm.
Nearest Train Station:
Central Station Argyle Street
Nearest Subway Station:
St Enoch
Parking Details:Several public car parks nearby and some on street parking available.
Facilites Access
190 Clyde Street
G1 4JY
Architect(s) Date(s):
James Gillespie Graham, 1816
PagePark, 2011
Building Open
Saturday 21st September:
10:00-16:00 Cloister Garden Only
Sunday 22nd September:
Visitors welcome for worship, 10am and 12 noon on Sunday.
info@cathedralG1.org
www.cathedralG1.org
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Shamrock CAPITAL ADVISORS
Shamrock Capital Growth Funds
Shamrock Capital Content Fund
12.02.15 Consilio Acquires UK-Based, eDisclosure and Forensic-Consulting Services Provider Proven Legal Technologies
11.09.15 Jason Sklar Joins Shamrock Capital Advisors
10.02.15 Screenvision Names John Partilla As Chief Executive Officer
09.24.15 FanDuel Announces Acquisition of Leading eSports Platform, AlphaDraft
08.19.15 FanDuel Acquires Leading Sports Analytics Company, numberFire
08.07.15 T3MEDIA REBRANDS AS WAZEE DIGITAL
08.05.15 Digital Music Pioneer, Bob Roback, Named Chief Executive Officer of Isolation Network, Parent Company of Global Music Distributor INgrooves
08.03.15 Consilio Announces Partnership With Shamrock Capital Advisors
08.03.15 Shamrock Capital Advisors Acquires Leading Independent Audiobooks Publisher Recorded Books
07.15.15 Screenvision Signs Long-term Exhibitor Agreements With Flagship Cinemas, Paragon Theaters, UltraStar Cinemas, Empire Cinemas and the Birmingham Theatre
07.14.15 FanDuel Announces Series E Financing of $275 Million from KKR, Google Capital and Time Warner
06.23.15 FANDUEL ANNOUNCES EXCLUSIVE PARTNERSHIPS WITH 13 NBA FRANCHISES
05.19.15 GIANT CREATIVE/STRATEGY NAMES CEO AND CFO
04.22.15 FANDUEL ANNOUNCES EXCLUSIVE DEALS WITH 15 NATIONAL FOOTBALL LEAGUE FRANCHISES
FanDuel Acquires Leading Sports Analytics Company, numberFire
Site Provides Users with Differentiated, Customizable Tools for DFS Lineup Creation
New York, NY, August 19, 2015 – FanDuel Inc. (www.fanduel.com), the largest one-day fantasy sports operator, today announced the acquisition of numberFire, the leading next generation sports analytics platform that uses proprietary statistics to mine for unprecedented insights that predict player and team performance. numberFire's editorial team publishes the data on their website, while the company's analytics and tools are available to sports fans through subscriptions and media companies through licensing. Terms of the deal were not disclosed.
"numberFire's demonstrated ability to grow a business around sports data, engage their users, create compelling content and support the fantasy industry makes them an ideal complement to FanDuel," said Nigel Eccles, CEO and co-founder, FanDuel. "It's our intention to build a multiplatform sports entertainment company, and joining numberFire and FanDuel creates the opportunity to meaningfully grow both businesses while providing fantasy sports users the best tools around."
numberFire's site will remain operational and FanDuel will invest in growing the company's preexisting revenue streams, while numberFire's proprietary information will eventually be incorporated into FanDuel's platform to increase user engagement and expand on product offerings for users.
"numbeFire's goal has always been to make sports fans smarter, and FanDuel's mission is to make sports more exciting. The businesses are a cultural fit," said Nik Bonaddio, CEO and Founder of numberFire. "numberFire's consistent growth is directly correlated to the rise of the daily fantasy industry and uniting our teams will propel the sports analytics and fantasy industry forward.
The acquisition of numberFire comes on the heels of FanDuel's acquihire of Kotikan, the leading app developer in Scotland, to further innovate and develop FanDuel's mobile products.
About FanDuel
FanDuel is the leading daily fantasy sports provider with the sole mission of making sports more exciting. Founded in 2009, FanDuel has redefined fantasy sports; offering a multitude of one-day game options for NFL, NBA, MLB, NHL, and college football and basketball, with new public and private leagues forming daily, ranging in size from two to thousands of players. FanDuel is the Official Partner of the NBA and has multiple deals with NFL and NBA teams, driving fan engagement, hosting numerous live events and creating once-in-a-lifetime experiences for sports fans throughout the year. Based in New York City with offices in Los Angeles, Orlando, Edinburgh and Glasgow, FanDuel has raised $363 million in funding from investors including KKR, Google Capital, Time Warner/Turner Sports, Shamrock Capital, NBC Sports Ventures, Comcast Ventures, Pentech Ventures, Piton Capital and Bullpen Capital.
About numberFire
numberFire is a next-generation predictive sports and advanced analytics platform that uses mathematical modeling and quantitative analysis to predict and project player and team performance as well as game outcomes. As the premier tool for sports fans everywhere, numberFire simplifies stat crunching to provide the most accurate projections in the industry, every day. With more than 225,000 members and reaching 100 million sports fans per year, numberFire's premium service answers life's important questions from draft picks to optimal lineups. The New York City based editorial and analytics team works alongside 65+ contributors to deliver the most comprehensive data driven analysis and commentary anywhere, while also powering content for the likes of ESPN, USA Today, Sports Illustrated, and many more. Additional information can be found at numberfire.com or follow us on Twitter.
Copyright © 2020 Shamrock Capital Advisors, LLC.
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LiqTech wins 2 further orders for marine scrubber water treatment systems
Denmark's LiqTech International Inc has secured two new orders for its systems that treat wastewater from marine scrubbers.
Sune Mathiesen, CEO of LiqTech, said: "We are pleased to receive these new orders for our marine scrubber water treatment systems. As earlier discussed we are experiencing a positive development in our marine scrubber business and we believe that we will see a further ramp-up in the second half of 2017."
LiqTech was awarded orders worth US$860 000 for marine scrubber water treatment systems earlier this year.


Kevin Federline was on the phone with the Bob Rivers Show on 102.5 KZOK FM in Seattle on Thursday (October 12) to promote his 'CSI' appearance and his new album 'Playing With Fire'. K-Fed discussed having four kids, how only 10% of the gossip about him and wife Britney Spears is true, what he thinks about the "K-Fed" nickname, getting to know the real Britney, eventually wanting to help America's poor communities, and more. The 9-minute interview at bobrivers.com has since been removed.


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Betcris announced as Platinum Headline Sponsor for SBC Summit Latino America
Betcris has been confirmed as the Platinum Headline Sponsor of the inaugural SBC Summit Latino America, the betting and gaming industry conference and trade show scheduled for October 27-28 2021 at the JW Marriott Marquis Miami.
The new event is fully dedicated to the sports betting and online casino sectors in markets across Latin America and will provide a perfect environment for sharing information, exchanging ideas, making new connections, and doing business.
In addition to the conference and exhibition, the event will include the SBC Awards Latinoamérica 2021 ceremony, where the achievements of the best-performing gambling industry businesses in the region will be recognized.
The Summit will bring together an audience of senior decision-makers from operators, affiliates, and suppliers already active in Latin America, together with companies targeting the opportunities being created by the spread of regulation.
As the leading online gambling platform throughout Latin America, Betcris was keen to participate in the event.
JD Duarte, CEO of Betcris, said: "I've attended and spoken at a number of SBC's international events in the past and always found them to be valuable experiences, so I'm delighted to be involved with this important new conference and trade show for Latin America.
"The region offers huge opportunities for the betting and gaming industry, and the sharing of knowledge and connections made at events like SBC Summit Latinoamérica will help companies to realize that potential."
SBC has a track record of organizing successful gambling industry events in Europe and North America under its SBC Summit, Betting on Sports and CasinoBeats Summit brands, but this will be its first in-person show focused entirely on the industry in Latin America.
Rasmus Sojmark, Founder & CEO of SBC, said: "We're excited that Betcris has chosen to work with us at SBC Summit Latinoamérica, as the support of one of the region's biggest brands is a recommendation of the quality of our events.
"We have big plans for this event and, thanks to the expertise of the SBC Noticias team and our experience of staging conferences for the Latin American betting and gaming industry, we know we'll deliver relevant, high-quality content and a great environment for companies to do business."
SBC Summit Latinoamérica will feature a two-day conference that will see 100 renowned experts sharing insights on the progress towards regulation in key markets, the best emerging opportunities for operators and suppliers, and the tailored strategies required for success in the different territories in the region.
The event will also feature an exhibition showcasing the latest sportsbook, online casino, and payments innovations tailored to local markets, along with a full program of networking activities.
For further details about SBC Summit Latinoamérica, please visit the event's official website.
To inquire about sponsorship and exhibition opportunities, please contact sales@sbcgaming.com.
Tags: betcris, Betcris Corp, Betcris Corporate, sbc summit latam
Betcris makes its new sponsorship official: "Liga Betcris de Honduras"
Betcris plays key part in developing LivePerson's conversational AI solution
Betcris selected by the Gaming Intelligence Awards as Best Latin American Sports Betting Operator
Betcris receives Great Place to Work Certification
Betcris Nominated for Sponsor of the Year at First Brazilian iGaming Awards
Betcris adds new Country Manager in Peru


with info about How to use Nextdoor.com to spread the word!
I hope your Fall/Winter is going well. here's our current newsletter. I wanted to write you a quick note about one way I think we can get Farm My Yard going with more people. That's Nextdoor.com. If you're already a member of Nextdoor, you probably know what a potent tool for neighborhood organizing it is. If not, here's a short article I wrote about it awhile back.
If you're looking for someone to Farm your Yard – try posting on Nextdoor. If you're looking to farm someone else's yard – try posting on Nextdoor. Also, if you just want to encourage others in your neck of the woods to get busy ripping out their lawns and making the world more habitable for us and other species – post something titled Farm My Yard on Nexdoor.com – then, here's the magic.
Follow-up. Keep the conversation going. There will be nay-sayers – your post will sink down covered over by people discussing politics; car break-ins; what have you – all you have to do is from time to time – post on the thread you've started. Then, the new people who've joined your neighborhood group will learn about Farm My Yard – and others will get it that it's something you're passionate about.
The movement is gathering steam – here's just one cool example in Orlando, FL.
Come see what's happening on our social pages, too!


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As someone who's constantly travelling and shooting, can you tell us what you'll be up to this year? What are you most looking forward to?
This is another intense year. Working with National Geographic Expeditions, I'll be photographing in 24 or so countries. This side of National Geographic (NG) has grown exponentially since I started working with them in 2007, and Expeditions is keeping me very busy. I love working in Asian countries, so this is a good year. But, I also love working pretty much anywhere. Where's the best place? The next place.
You've won the Pulitzer Prize and the World Press Golden Eye; what does winning awards mean to you?
Contests are great if you win, and seemingly unfair when you don't. I think with contests, you have to remember that it's other humans judging the work, with their own set of likes and dislikes. They apply their own criteria, and you can't hang your emotions on the idea of winning or losing. That said, winning both the Pulitzer and World Press Golden Eye were highlights. It was wonderful to receive that confirmation from your peers that your work is amongst the best of that year.
Of all of the things and places you've seen and photographed, if you had to pick one highlight of your photographic career what would it be?
This is kind of like asking who your favourite child is. I'd start to say "this is the coolest," then I'd remember another situation/experience, and state that as my favourite, only to recall another and another. Several highlights do stand out: photographing the war in El Salvador "A powerful photo can become the critical foundation for our recall of a moment or time in our lives" was a very intense situation. Working in often dangerous conditions, the photographer is responsible for not only making powerful images that convey what is happening, but he or she has to be aware of everything going on around them. Other highlights have to include riding in a nuclear attack sub for a week under the Arctic ice, hanging out of a helicopter, on the strut, over Angel Falls, and, in general, being the "eyes" for your viewers, whether in the pages of National Geographic, your own website, or the book you self-published.
Is there anything still on your bucket list of things to photograph that you'd love to do?
I've been so fortunate in my career to see so many incredible events, moments, places and scenes. I think if there were one thing, I'd love to photograph earth from the Space Shuttle.
Do you have one favourite picture?
That is so impossible to answer, as I said before, it's like saying which your favourite child is.
I have photos that still resonate with me, that I think are powerful. I'm my own harshest critic, so if it's a bad photo, no amount of trying to talk myself into believing it's good works. When we go through our take of a situation or place, I think you have to discard all the sensory information, as that stuff is not important. It comes down to "does the photo work; does it engage, convey information, pull someone into your world?" I think the photographer has to "fall out of love" with their images when deciding what will be that selection of photos for their narrative. Having said that, several images included in this article are among my favourites.
Is there anything or anyone in particular that inspires you or your style of work?
As a teenager, I had no idea I wanted to go into this world of photography. We had two coffee table books in our home, books given to my dad when he was younger. These were collections of great black & white photos from the second world war; the books were called US Camera at War. I remember looking at those countless times, and I know those powerful "frozen moments" influenced me greatly. Later, when I realised that photography was my calling, I started following the work of Danny Lyons, Robert Frank, Max Yavno, Cartier Bresson and other legendary photojournalists. I still stand in awe of powerful images, especially in the world of photojournalism, documentary photography and reportage. A powerful photo can become the critical foundation for our recall of a moment or time in our lives.
What is it about the Olympus system that is of benefit to the work that you do?
I work exclusively with Olympus OM-D cameras. I strongly believe that Olympus is going in the correct direction with the Micro Four Thirds (MFT) format. The oft-repeated saying of "what's the best camera to have? The one that's in your hands when you need it," is so appropriate and correct. I love the compact size of the system, the fact that I can carry on to the plane all my gear, with lenses ranging from 14mm out to 840mm, at very realistic apertures. As noted before, my professional world of photography is all about location and travel, and the Olympus system was custom designed (I like to think!) for my work. Plus, the Olympus M.ZUIKO lenses are among the sharpest I've ever used.
Your work sees you shooting everything from landscapes, to wildlife and people; do you have a favourite at all?
I consider myself as a "generalist". When photographing the war in El Salvador, I wasn't a "war photographer" covering the event, I was a photographer covering a war. When shooting sports, I'm a photographer covering sports. On and on. I've always tried to apply the thinking that every situation has its "best" photo/moment, and by approaching my assignment with this thinking, it forces me to try to get the best photo, for that particular situation. A photographer friend of mine has said that what she loves about photography is it is always problem solving. And I have to agree with her. Nothing is ever the same in front of the camera, and it is the responsibility of the photographer to capture the best moment.
You've photographed some difficult subjects; how does it feel when you document such events? Do you switch off all emotions?
I don't think a good photographer ever switches off their emotions. How can you capture the intensity of what is going on in front of the camera if you're emotionless? There have been situations in which it is extremely difficult to "invade" a very private moment in someone's life. The photojournalist often has to make a decision, at that moment, as to whether he/she has the right to press the shutter.
Has there ever been a time where you've decided not to photograph something?
Yes, there have been situations in which I just couldn't press the shutter. Photographers are human, with sensitivities and feelings. But, looking at Eddie Adams' photo of the Viet Cong suspect being shot, or Nick Ut's photo of the little Vietnamese girl, running and screaming after being napalmed, those photos had to have been very difficult to make. But those two photos have been attributed with bringing the Vietnam war to an early close. Photography can be uncomfortable along with hugely powerful.
In the past you photographed a number of rock 'n' roll bands, was this where it all started? Do you miss shooting live music at all?
Photographing music was one of the first passions of my life. I remember taking a camera, my first 35mm, to photograph Lightning Hopkins back in 1965 at a Dallas Coffee House. Not particularly good photos, but I learned to love the idea of capturing a moment of a wellknown person. I then photographed The Who on their first US tour, and subsequent tours. The first serious music assignment I had was in 1969, photographing the Texas Pop Music Festival, Led Zeppelin, Janis Joplin, Santana, and other highprofile acts were there.
The paradigm has shifted entirely in this world of photographing major artists, with often minimal time to get to shoot and very restricted rights to your own work, so it just isn't worth it to me.
What's amazing is these photos of those classic groups are now sold as fine art photography. Morrison Hotel Gallery represents my work, and you should visit their website, morrisonhotelgallery.com to see some amazing work by the photographers they represent.
When you first started out as a photographer did you ever see yourself as a storyteller?
What a good photographer does with narrative is realistically the same thing a writer does, we just write with light instead of ink.
You've also been part of the National Geographic Photo Camp, working with young photographers; can you tell us more about this?
I've worked with NG Photo Camp, I also started a photo programme for a group that works with underserved schools called Horizons. Horizons realised that kids from lower income schools have a greater loss of information over a summer break than do their more well-off peers. Horizons created a six-week programme in 57 cities in the US that offers the kids that have been accepted classes in those disciplines in which they may fall behind. I built a photo program for Horizons in Denver, as I felt that introducing art into a child's life makes a kinder, gentler person, and provides that critical introduction to art.
Working with these kids, either through NG Photo Camp or Horizons Photo Program helps in allowing them to discover their artistic side, so important in a well-rounded person.
Many photographers will see what you do as having the dream job, but are there any harsh realities? What work does someone need to put in, in order to be able to achieve such status as being a photographer for National Geographic?
This is a brutal business today. Almost every publication that still prints a physical product of a magazine is losing circulation numbers. For many publications, the first thing to cut back on is assignment photography. An expensive luxury for many magazines, the images used can be provided by either stock photography, or by searches by art-buyers from the thousands of personal photographic websites out there. If those sites are created so the content is "searchable", this may be the place that art buyer goes to get that image for reuse.
Many of those publications still assigning work have cut back significantly on the length of those assignments and are extremely efficient in assigning only what they'll publish.
Okay, those are some of the negatives. The good side: there are still publications out there needing high quality work.
• Know your technology and be able to multitask:The individual who applies for a job or assignment will stand a far greater chance of landing that job if they are capable in several areas of technology. Understanding and knowing how to create compelling video is important for the photojournalist/documentary photographer today. And knowing how to switch from the discipline of still photography to video is critical. Sound is another area that it's important to be proficient in.
• Be pro-active: Publications today have to provide content, and the ideas for those stories often come from the photographers/writers. Know what story content is relevant to the publication, don't suggest a story that they have recently run.
• Create a proposal: In that proposal, make a succinct approach as to why the story is important to their readers. This does not have to be a completed story, nor a multi-page document. Your proposal can be a single page, spelling out why your story proposal is relevant.
• Accompany the proposal with a body of work: Don't flood your potential client with dozens of photos. A few strong images that address your proposal will suffice. And, this is a tough one: you must be brutal in your assessment of your images. If you have to provide a major backstory for a photo, don't include it at this point. Less is more, but you want to make sure your collection of photos addresses the story proposal idea.
• Create a "business plan": Okay, this is a way cool business. So many aspiring photojournalists want to be the globetrotter, making images and answering to no one. But be real – you are trying to get into a very competitive business. What we market are photos, this is a business. Knowing the basics of running a business will benefit you hugely. I've seen great image makers that had no business sense fail. Conversely, I've seen photographers who were "okay" in their style succeed as they understood the world of running a business. Did I mention this is a business? Having said all this, I love what I get to do. This is an amazing business. There are a ton of publications out there that have to create or use content, and still photography is a hugely important competent of that content.
Article featured in Olympus Magazine Issue 62 – to see the latest copy of this free digital magazine click here.


Many clients I have spoken to have often dabbled with SEO or used suppliers and not had great results. Many promise the earth and don't deliver. SEO, like many other aspects of marketing, isn't a magic wand or a miracle worker, but there are some guidelines to follow and some things to do to get the best results you can.
add photos to make it stand out and interesting.
Has Linkedin set up a company profile page on your behalf? This can happen so check if you have one and then claim it as yours and get promoting and networking online!
When adding pages or building a website, don't forget to include and update Meta titles and Meta descriptions. Also bear in mind geographic searches. #toptip – have you submitted your website to the free online directories out there?
Don't forget to make sure Google analytics is added to your website (grant access, add the code and ask your website host if you aren't sure) so you can log in regularly and track visitors/users, bounce rates, pages views, pages that are of interest and so on. Key parts of #Googleanalytics to look at are users, acquisition and behaviour.
Keep content up to date and include keywords too. Blogging is a great way to maximise and showcase your content.
Would you like help with your SEO, website or reviewing your Google Analytics then please ask me and I will happily point you in the right direction!
Note – This blog is a very quick overview and if you aren't sure on certain aspects then always ask an expert.
This entry was posted in Advice for the small business, Marketing Planning and Strategy, Online marketing, Topical marketing and tagged content is king, Google analytics, marketing, marketing advice, seo, website. Bookmark the permalink.


You probably notice it most when you bend over or sit down— that fold of flab in your lower abdomen that you just can't seem to get rid of.
The truth is, whether your belly fat sits high or low on your midsection, there's only one way to get rid of it — by eating less and moving more. To do that effectively, you need a targeted plan of action, including vigorous cardiovascular exercise and total-body strength training.
When it comes to burning belly fat, not all cardio exercise is created equal. Sure, jogging every day for 3 miles at a moderate, steady pace will help you burn calories, but it's definitely not the best option for fat loss.
According to a study published in Metabolic Syndrome and Related Disorders in August 2009, high-intensity exercise is more effective at burning abdominal fat — specifically -— than moderate-intensity exercise.
Although there was no change in body weight, body mass index or overall body fat percentage among 18 overweight elderly participants, those who exercised at a vigorous intensity saw a significant reduction in a type of abdominal fat called visceral fat compared to those who exercised at a moderate pace.
Visceral fat is one of the two types of abdominal fat, along with subcutaneous fat. While no type of fat is healthy in excess, visceral fat is especially hazardous to your health as it has been linked to increased risk of cardiovascular disease and type 2 diabetes.
In theory, it sounds easy to just up your exercise intensity and watch the fat disappear. But for most people, vigorous exercise intensity is very hard to sustain for more than a couple of minutes.
Warm up for 5 minutes by walking or jogging at an easy pace.
Increase the speed of the treadmill until you are sprinting, and hold that pace for 90 seconds.
Lower the belt speed to a fast walk or slow jog for 90 seconds.
Repeat steps 2 and 3 four to six times.
Cool down by walking at an easy pace for at least 3 minutes.
An added bonus of HIIT is that it takes less time to get the same or better results in abdominal fat loss than traditional steady-state cardio, according to a review of research published in Journal of Obesity in 2011.
You can do a HIIT workout on the treadmill, at the track, on a stationary bike, a rower, elliptical machine or even in a kayak on a lake. You can vary the length of your sprints versus recovery time to keep things fresh and interesting.
The most important thing is to work at a high intensity during the periods of vigorous activity. During the work periods, you should be sweating, your breath should be deep and rapid and you shouldn't be able to speak more than a few words at a time.
Building muscle is an important part of burning abdominal fat. Muscle mass takes more energy to maintain than fat, so your body burns more calories — even at rest — if you have more muscle.
While abdominal exercises should be part of your strength-training regimen, they're pretty useless as far as burning belly fat goes. A total-body strength training program includes exercises to target all the major muscle groups: back, shoulders, chest, arms, abs, lower back, hips and legs. Aim to train your entire body two to three times per week.
You can get an effective and time-efficient total-body strength-training workout and an extra dose of cardio using Tabata training. This type of training alternates 20-second periods of work with 10-second periods of recovery.
To do the workout, set a Tabata timer, which you can download as an app to your mobile phone. You'll do eight rounds — 20 seconds of work, 10 seconds of rest — of each exercise. You can do all eight sets of one exercise before moving on to the next, or you can alternate through the exercises each set, like a circuit-training workout.
Diet is a crucial part of ridding yourself of ower-belly fat. Stick to unprocessed, whole foods, such as vegetables, fruits, whole grains, lean meat, fish and low-fat dairy. Drink water or other unsweetened beverages and keep your intake of sweets limited to a treat every once in a while.


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how it can be integrated?
Yes, that is correct -- the action pack you linked to will allow you to run such scripts. You can install that action pack via ROC under the Administration menu, then just pick an action from that pack and fill in the required fields.


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Thank You, Mr. Glover, for 45 Years of Incredible Service! 🏆
A Look Back at Ellis Glover's Long, Storied Westminster School Career
For nearly half a century, Mr. Ellis Glover has been an integral part of the Westminster family. Every student, staff member, and parent who had the opportunity to meet him was lucky to experience his warmth of spirit and be inspired by his love of learning and life.
As Mr. Glover steps away from Westminster School this year, we take a look back at his incredible story, his lifelong dedication to Westminster, and just some of the amazing accomplishments he achieved over the last forty-five years.
It's a Long Story…Mr. Glover and Westminster
While most of our students, parents, and even faculty members know Mr. Glover as the head of school, his path actually led him to Westminster long before that. He first encountered the school in 1971, when his father (E. H. Glover) won the bid to construct phase one of Westminster School. The then long-haired rock-obsessed youth pushed wheelbarrows, installed lockers, and ran crew errands, but it was his introduction to Mrs. Jane Goll, the school's founder, that irrevocably changed Glover's life.
Goll immediately recognized Glover's energy, moral rectitude, and unmatched work ethic, but even beyond that, she saw his potential. After several years of their paths continuing to cross, Glover eventually took on a part-time job as a substitute teacher at Westminster. (That long-awaited call from the Beatles just never came, so this seemed a good second choice to Glover!)
Glover made himself indispensable to Goll, helping her with end-of-year activities, and he was soon a permanent staff member. Goll pushed Glover in every positive way a person can be encouraged. She insisted he go back to school. She encouraged him to pursue disparate projects. She introduced him to plays, art, literature, and a deep belief in the benefit of travel. Under her guidance, Glover began to see a challenging education as the most fundamental way to access the best in oneself.
When Goll passed away, Glover lost a friend, a mentor, and a true inspiration in his life, but he knew he couldn't let her dream of Westminster falter for even a moment. He was the natural choice as her successor and was voted in as the new head of school in 1992.
Just a Few of Mr. Glover's Achievements While Head of School
After forty-five years of dedication, leadership, and service, there are too many accomplishments to possibly name them all, but here are some of Mr. Glover's most notable highlights:
Served as athletic director and coached varsity girls basketball.
Oversaw the drama program, directing approximately 115 plays.
Helped bring home four first-place trophies from the Folger Shakespeare Festival.
Personally vetted, hired, trained, and inspired Westminster staff and faculty for more than twenty-five years.
Helped to raise hundreds of thousands of dollars for Westminster School, giving generously himself every year.
Oversaw Westminster's accreditation by the Virginia Association of Independent Schools (VAIS) and the National Association of Independent Schools (NAIS).
Taught a wide variety of topics to all grade levels, including an annual enrichment class for eighth-graders.
Personally envisioned and oversaw the creation of the Jane L. Goll Center for Arts and Athletics. The project was a testament to his beloved mentor, and by nearly doubling the size of Westminster School, it opened countless doors and presented amazing opportunities.
Served for twenty-four years as a non-voting member of the board of trustees.
A Difficult Good-Bye and an Exciting New Chapter
Good-byes are always difficult, especially when the person leaving is such a source of inspiration and positivity. As much as the Westminster family is going to miss Mr. Glover, students, parents, staff members, and faculty can all be excited to know they're welcoming a familiar face into the role of head of school.
Nancy Schuler, current Westminster admissions director, will be stepping in when Mr. Glover leaves.
"It's hard to imagine the school without him. It's going to be very strange," says Schuler. "I'll be only the third head of school in sixty years, which is unusual for private schools. It's just one more amazing characteristic of Westminster."
If you'd like to leave some words of appreciation and thanks to Mr. Glover for all his service, please feel free to comment below.
Article by Westminster School / Blog
Theresa Fassig Normil says
Wow! So exciting to hear he can retire knowing Westminster is in such great hands! Congratulations to Mr. Glover on creating and instilling such a culture of excellence. Well done good and faithful servant. And congratulations to Mrs. Schuler in her new role. What a time to celebrate!
Sabra Hill says
Congratulations, Mr Glover! What an amazing legacy you leave behind at Westminster School.


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'Road diet' planned for Jacksonville's Soutel Drive raises concerns
David Bauerlein @DavidBauerlein
Jacksonville's quest to make its streets less dangerous for walkers and bicyclists is expanding the use of what are called road diets to slim down the number of automobile lanes. But some residents aren't willing to stick to the plans.
One such road diet, on Soutel Drive in northwest Jacksonville, is running into opposition from residents who say shrinking the number of lanes for cars would be a loss for the community.
"The only thing we want them to reduce is the crime rate," neighborhood leader Eunice Barnum said as she watched cars travel down Soutel Drive. "The people are not ready to reduce the road to three lanes."
Barnum's opposition to the road diet concept for Soutel Drive struck a chord with City Council member Terrance Freeman, who has scheduled a Tuesday town hall meeting for residents to sound off on what the city plans to do on a 3-mile stretch of Soutel.
The end result could be an early test of how widely Jacksonville uses road diets, which have gained favor nationally and are emerging in Jacksonville as a component of efforts to reduce bicycle and pedestrian fatalities that have plagued Jacksonville for years, landing the city on lists of the most dangerous places to walk.
Freeman's town hall will take place as construction moves forward on a different road diet project on the downtown Southbank, slimming five-lane Riverplace Boulevard to three lanes. City Council member Lori Boyer strongly backs that conversion, saying a more pedestrian-oriented street will encourage growth of restaurants and stores in a landscape dominated now by office towers.
Construction on the $4.6 million project started July 29 and will take about a year to complete.
Mayor Lenny Curry's proposed budget also contains $2.2 million to undertake a road diet for a stretch of Park Street in the Brooklyn neighborhood, a plan that grew out of a study done by the Downtown Investment Authority about making streets in fast-developing Brooklyn more friendly for walking and bicycling.
That study, done last year, also examined road diets for Riverside Avenue and Forest Street where they run through the Brooklyn neighborhood, but Park Street between Forest Street and Stonewall Street is the only one that made the cut for funding so far.
Freeman, whom Gov. Rick Scott appointed as District 10 council member while Reggie Brown faces federal charges, said he is inclined to back the change proposed for Soutel Drive.
"The concept in theory makes sense to me," he said. "However, I'm interested in hearing the community's response to it."
He said he has talked to residents who say that whenever drivers want to make left-hand turns on Soutel Driver, they block cars behind them because Soutel lacks a separate lane for left-hand turns. The three-lane road would be an improvement because it would have a center lane for left-hand turns, he said.
The city has funded $720,000 of the $6 million project so far. The remainder of the money would come from the city over the next two years, provided City Council supports the expense when it approves those budgets.
Freeman said if the city doesn't do the Soutel Drive project, the money would shift to similar projects elsewhere in Jacksonville.
"We don't want the money to go away, outside of the district," he said. "That's not going to happen."
Diets for deadly roads
The idea for a road diet came out of a 2017 study by the city on creating a long-range bicycle and pedestrian plan.
Jacksonville has suffered for years from deadly roads. A recent victim was an 11-year-old middle school student who died when he was struck while crossing five-lane University Boulevard in Arlington. It was the 101st traffic fatality in Jacksonville this year.
The bicycle-pedestrian study, which was done in 2017, found that more than 100 people die each year on Jacksonville roads. An average of 30 percent of the victims were walking or bicycling. That percentage is nearly double the 16-percent rate for traffic fatalities nationwide. The study noted that Smart Growth America's annual report "Dangerous by Design" regularly shows Jacksonville as one of the most deadly for pedestrians. The most recent survey showed Jacksonville as the fourth-worst among 102 metropolitan areas based on fatalities per resident.
The classic design for a road diet entails taking a four-lane undivided road and reducing the automobile lanes to three lanes — one lane in each direction and a center lane for left-hand turns, according to the Federal Highway Administration. That reduction in automobile lanes enables other features such a wider sidewalks, bicycle lanes, and raised "pedestrian islands" in the middle of the road where pedestrians can safely pause while crossing the road if necessary.
Businesses and bicycles
The Federal Highway Administration says such changes make the roads safer for motorists, reducing crashes by 19 to 47 percent.
But the concept typically faces concerns that businesses will be less accessible and that the reduction in automobile lanes will cause traffic congestion.
Barnum, who is president of the Sherwood Forest/Community Park Community Association, said road diets can work on some streets, but it's the wrong fix for Soutel Drive.
"They have preconceived ideas, they have preconceived notions; and they were going to shove it down our throats," she said.
She said Soutel Drive is where the community is trying to bring more businesses and traffic, and losing a lane would hurt that effort.
As for making room for bicycle lanes on Soutel Drive, Barnum said, "Do you see anybody out here riding bicycles? I don't hear anybody saying bicycles are what we're in need of."
She said one of the biggest problems for walking across Soutel is the long distance between intersections with traffic signals. She said residents would support adding more designated crosswalks where beacons flash when people cross the road, alerting drivers. Those are part of the city's plan for Soutel Drive.
Barnum said Soutel Drive also needs bright lighting at night by expanding streetlights to both sides of the road, which is not part of the city's plan.
The town hall meeting about the Soutel Drive road diet is scheduled for 6-8 p.m. on Tuesday at the Legends Center, 5130 Soutel Drive.
David Bauerlein: (904) 359-4581


Saturday, Oct 29th 12 p.m. to 5 p.m.
Join us in Downtown Kannapolis as we celebrate the last Festival of the Arts in 2016.
The Festival series is family friendly and best of all FREE!!
Saturday, Sept. 24th -12 p.m. to 5 p.m.
Join us in Downtown Kannapolis as we celebrate the fourth Festival of the Arts in 2016.
Saturday, June 25th 12 p.m. to 5 p.m.
Join us in Downtown Kannapolis as we celebrate the third Festival of the Arts in 2016.
Wow! We have 250 "guests" for the September 27 Kaleidoscope Cultural Arts Festival and more than 4,000 invitations sent out! Thanks for everyone's support! And don't forget to keep inviting your friends, via the event invite, share the status, tell your friends and try to bring out as many people as possible. We want to make sure have a great crowd so these artists keep wanting to come back again and again!
Author L.E. Maguire will be a guest at the Kaleidoscope Cultural Arts Festival from 12 p.m. to 4 p.m. Saturday, Sept. 27 in downtown Kannapolis. The festival is FREE to attend and artists can sign for free by e-mailing mknox@modernfilmzine.com to register.
The Writers 750 Contest is currently taking submissions for short stories through Sept. 25 with their latest collection "September Secret Agent." It is free to enter.
Christy Award winner Robert Whitlow will visit the Kannapolis Library on Saturday, Sept. 13 at 1 p.m. to discuss his books and writing.
Heather Marie Schuldt, one of the authors for the fantasy short story collection "Giant Tales: Dangerous Days (Volume 4)" will be a guest at the Kannapolis Arts event, the September 27 Kaleidoscope Cultural Arts Festival from 12 p.m. to 4 p.m.
Greg Faggart, the author of "Naked No More…A Firefighter's Journey and Triumph Over the Darkness of Depression" will be a guest from 12 p.m. to 4 p.m. Saturday, May 31 at the Kaleidoscope Cultural Arts Festival in downtown Kannapolis, N.C.
The festival is FREE the public.


Camera shy people never cease to amaze me. The lengths they go through to avoid the lens are impressive. As is the case with our daughter-in-law, Amanda. Most attempts to capture her on film end like these two shots.
However, if we are sneaky and distract her with finger painting or puppies, we can catch her in a moment.
If an official shot is required and she will gladly be in the frame with someone she loves. She is all smiles.
The most interesting thing about camera shy people is they are often the ones behind the lens. I think Amanda's awareness of the discomfort the lens brings to others gives her sensitivity when she shoots portraits. Amanda is a gifted photographer. No, it is not her day job, but a visit to her Lightly Spiced Photography by A Adams Facebook page reveals her eye for composition, lighting and attention to a shot's emotion. I hope you visit and see what she is up to.
I enjoy the portraits she takes. My favorites, of course, are the ones of our GrandThings.
This entry was posted in Happy Birthday, Photography, Uncategorized and tagged camera shy, Family, Grandchildren, Happy Birthday, photography by MaryALivingston. Bookmark the permalink.
A pretty d-i-l for sure. She and your son are a handsome couple. The grand things are such good looking children. You and Tim are lucky to have such lovely people in your life.
If only they lived closer…Yes, we are lucky indeed.
Amada is a fine photographer. What a lovely family and thoughtful tribute.
No need for this beautiful lady to shy away from the camera. She's beautiful and talented. Her photography captures the moment and touches the viewer's soul. How sweet of you to post her work and pay her such honor.
I am so excited, our lovely Amanda has started a photography blog.
You both take wonderful photos!
Loved reading this post…. I love the picture she took that posted here…And checked out the FB page…So many artist's in one family? Wow… :)… And all so good looking?…. Also, since you mention finger painting, I think you will enjoy sharing this with your lovely daughter-in-law…who must be thrilled to have you as a Mom…http://www.mymodernmet.com/profiles/blogs/iris-scott-finger-paintings And this is also a great site to follow!! 🙂 Hoep your'e doing great….
Thanks Divs – the link is awesome! I will definitely share it with Amanda. She just started a photo blog, I hope to reblog some of her posts.
Was the puppy from the photo really Hawk? I had no idea!


A black sweater puffed to perfection, featuring a ribbed crew neck, banded cuffs and a ribbed hemline. Not to mention a cosy feel. A great transeasonal piece, perfect for layering <3 This style is online exclusive.
In a size small the chest width is 126 cm and the length is 68,5 cm. The model is 172 cm and is wearing a size S.


Fatima Alimohamed said," If there is no more seats around the table, bring your own seat and sit down. Stop wanting to fit in" .
Rhulani Matshidze said ,"None of us are better than all of us".
So in the two days, I have attended the conference that was the one quote that stood out the most for me because she basically tells you to stop trying so hard to go for what you want, you should basically just get up and go get it.
Also, one highlight was when one of the women said: "Aim to do business the right way". What I basically took out of that is that you should never really do as you were given you should try to think differently and do something to the best of your ability.
"As women, we need to be unapologetic about the field we decide to go into, say what we need and share our stories". What was amazing for me was when one of the women said that 4000 articles were published just by women, the main aim AWIEF was trying to get across to everyone was to GET WOMEN INVOLVED.
When starting your own business you should also rethink the word INNOVATION it has so many different meanings but if you think differently you would have a fruitful business and everything would run swiftly. I also never really knew that the Government plays a huge role in everything and that they build with you in order for you to move.
"If you have trained women, you have a trained nation". I also realized that if I look at things differently I would gain more out of something I would assume would never really work out.
Lastly, another thing that stood out was "We need to be remarkable, we don't know who's watching us". Always make sure that you do things in an ethical way in order to prosper.


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External Articles and blogs
Swadeshi Comodities
Stand on Issues
Curruption
Rasthriya Swadeshi-Suraksha Abhiyan
Swadeshi Patrika
Reginal and State Offices
Ban Glyphosate and its formulations including RoundUp
भारत में नहीं हो सकता बीज का पेटेंट, आलू किसानों को धमका रही पेप्सिको: एक्सपर्ट
Incredulous data: Economists create own benchmarks to measure Indian economy
In Punjab, SJM asks people to vote for 'Naya Bharat'
PepsiCo wants to 'amicably settle' issue of suing four farmers; coercing, intimidating farmers says Swadeshi Jagran Manch
PepsiCo drops lawsuit against Gujarat farmers over potatoes for Lay's chips
Pepsi withdraws Indian potato farmer lawsuits after political pressure
PepsiCo lays down arms against farmers
Chaos as officials mislead, local credit keeps markets alive;
I-T be reformed to help genuine earners
By Shivaji Sarkar
India economy has been the pride of world. It has been showcased as the only growing economy - a proud moment for Indians particularly under Prime Minister Narendra Modi.
That was until a week back. International media quietly observed the scenario for eight days. On Nov 16, 2016, CNN, BBC and other international channels came out with long stories. The CNN headline screams, "Indian economy is in turmoil". The BBC and others also echo the same sentiment in different words. A week has changed the worldview!
The Opposition in the country are debating, demonstrating and protesting. The queues at banks and post offices are surging.
But despite all this one surprising aspect is that those standing in the queues or suffering the sudden withdrawal of cash are with Modi and even the opposition does not doubt his intentions. A week later after many brawls at such counters, they have started blaming the officials.
Many in the crowd now say that the officials have misled the government and had given inappropriate information of smooth transition leading to the chaos.
Even insiders do not mind admitting that the dependence on officials was "possibly a bit too much".
There are ramifications for people living abroad and questions are being asked how they can exchange the demonetized notes. Those in Nepal also have their concern and Nepal government has officially taken it up.
The government also needs to understand that its move to channelize the trading and transactions through banks is also not appropriate. The banks have become unethical, levy undue charges and are expensive. The private banks are less dependable. Credit card transactions at 2 percent cut (annualized would be over 30 percent) are expensive for sellers. Debit cards expose the holders to risk of being swindled as their data can be compromised.
Bank transactions are slow and instruments like cheques are not trusted. India's wholesale business works on 1 to 1.5 percent cuts. It moves on trusts. It is fast. The defaults are rare. If it moves to banks it would cost over 3 percent.
Outside urban India, it is largely hard cash transactions. Banks are 15 or more kilometers away from villages. It has hit the villagers hard.
Apart 1.25 lakh bank branches and two lakh ATMs (of which on only 1.25 lakh remain operational any time) are too inadequate if 1.25 crore people are moved to the banking system. It is bound to collapse. Apart no society is fully banked and possibly it should not be so.
The move has hit the market, except a small section that accepts cards. Some traders say that the servers have become difficult to access. The saving grace is shopkeepers and traders are allowing free credit to their customers.
It has affected sowing as well in large parts of the country. Again the local credit system is keeping alive farm functions and supply of fertilisers and seed. The latest announcement of increasing credit and withdrawals to farmers, larger withdrawals to farm traders should help. So the decision for Rs 2.5 lakh withdrawals for weddings would.
There is a cost on economy. The old notes had cost about Rs 15,000 crore in printing. The new notes also have a similar cost. There is cost for recalibrating the ATMs, which may take over three weeks to complete.
How much is the counterfeit currency? According to a study done by the Indian Statistical Institute, Kolkata, in 2015, Rs 400 crore worth of fake notes were in circulation in the economy. This is merely 0.025% of the total budget outlay of Rs 19.7 lakh crore as announced this fiscal.
The cash comprises only a tiny part of black assets. This is borne out by facts. Cash recovery has been only 6 percent of the undisclosed income seized from income tax evaders, according to data from tax raids from 2012-13 onwards.
In April, the SBI said that people were withdrawing cash in Rs 100 and 50 denomination notes in large amounts. Some newspapers in some parts of the country had reported that demonetization and introduction of Rs 2000-notes were in the offing in April itself.
Data from different banks shows during the last three months most of the banks reversed the trend of declining deposits and witnessed healthy growth. The sudden rise in deposits, many of it in high-value notes, has raised some eyebrows.
While it is necessary to take people with untaxed money to task, the present move has made the detractors vocal as large section of the people are hit and unable to access their own money.
While partial demonetization always takes place, the problem this time was the sudden withdrawal of 86 percent or Rs 16 lakh crore worth cash from the system. The 500-Euro-notes were demonetized but it remains a legal tender till it is in circulation. The Indian case is aimed at the supposed super rich but it hit the marginalized and the vocal middle class the most.
Such moves have taken place in some other countries too. In 2002, all European currencies were replaced by Euro. The transition was smooth.
But in many other countries like Soviet Union by Mikhail Gorbachev in January 1991, Zaire in 1993, Myanmar in 1987, Ghana in 1982, Nigeria in 1984 and North Korea in 2010 the moves failed. Most of these led to massive protests, civil wars, ouster of the governments and economic collapse.
In case of India, despite problems, people have shown faith in Modi's move and are showing solidarity for cleansing the system. It has caused some disruption but the trade chambers say the corporate transactions are on. The chambers complain that if the officials had briefed properly things could have moved without this massive jerk.
India needs to solve the cash problem has to be solved soon. There need not be insistence on cashless economy. Personal income tax needs to be reformed to pep up the economy. The government is reportedly mulling over such ideas, as junior finance minister AS Meghwal says.
Economy may have taken a small hit due to sudden demand slump but it is not in turmoil as envious western media say. In the course of next few weeks it is expected to be back on rails.
Join Swadeshi


Abraham's vocal styles and influences come from a wide range of artists from country through the 80's rock genres, but two artists — Garth Brooks and Rick Orozco — would give him what he needed to create his very own vocal style. It was the Spring of 1990 when the song "The Dance" by Garth Brooks played on the radio. It was this song that solidified his passion for country music. Shortly thereafter, he heard a voice in a song that would change his life, "Buscando Una Estrella" by producer/singer/song writer Rick Orozco. "Never had I heard such emotion that could bring me to tears!" Abraham recalls. "I wanted to make people laugh, to make them angry, to bring people to tears and most importantly, make them get up and dance. Rick was a pivotal change in my musical outlook. He taught me how to feel and convey the words through my heart, taking a song and placing myself in the song, becoming the song". And so his journey began.
Abraham has made his mark on the industry by becoming one of the area's most sought out musicians. Abraham has become a regular on Austin's famous 6th Street in addition to performing at events and venues of all sizes throughout Central Texas.


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Missed Chances Deny The Under 18's
The under 18's lost out in an epic battle against St Mary's on Friday night after they failed to convert a number of chances created, click on the link below to read the full story…
Friday 6th October – SBYFL under 18's
Downpatrick FC 2 v St Mary's 3
Downpatrick totally controlled the first twenty minutes of the match restricting St Mary's to just two attacks, during the second attack Downpatrick conceded a soft penalty which was converted by their striker. Downpatrick hit back immediately with Adam Jervis heading in Declan Burns corner.
Again Downpatrick had the lion's share of the possession but were very wasteful with the chances they created. Declan Burns gave his side the lead just before halftime when he finished off a move that included no less than ten passes from back to front.
Half Time: Downpatrick FC 2 v St Mary's 1
The second half started with Downpatrick in the same form creating chances but having no luck in front of goal. St Mary's hit a quick counter attack and won a free kick on the edge of the Downpatrick box which they converted to level the match. Downpatrick continued to play their passing game but were unlucky to go down to ten men when Ryan Cassidy was sent off for a hand ball in the box which resulted in a penalty which was converted by the St Mary's striker. For all the good football played this was a bitter defeat as Downpatrick were by far the better team but if you don't score from the chances that you create you won't win games.