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Income Differences and Health Care Expenditures over the Life Cycle

  • Serdar Ozkan

    (University of Pennsylvania)

This paper studies differences in the lifetime profile of health care usage between low- and high-income groups. Using data from the Medical Expenditure Panel Survey (MEPS) I find that early in life the rich spend significantly more on health care, whereas midway through life until old age the medical spending of the poor exceeds dramatically that of the rich. In addition, the distribution of the poor's medical expenditures has fatter left and right tails. To account for these facts, I develop and estimate a life-cycle model of two distinct types of health capital: preventive and physical. Physical health capital determines survival probabilities, whereas preventive health capital governs the distribution of shocks to physical health capital, thereby controlling the expected lifetime. Moreover, I incorporate important features of the US health care system such as private health insurance, Medicaid, and Medicare. In the model, optimal expected lifetime is longer for the rich which can only be achieved by larger investment in preventive health capital. Therefore, as they age, their health shocks grow milder compared to the poor, and in turn they incur lower curative medical expenditures. Public insurance in old age amplifies this mechanism by hampering the incentives of the poor to invest in preventive health capital. I use the model to examine a counterfactual economy with universal health insurance in which 75% of the preventive medical spending is reimbursed on top of the existing coverage. My results suggest that policies encouraging the use of health care by the poor early in life have significant welfare gains, even when fully accounting for the increase in taxes required to pay for them.

Suggested Citation

  • Serdar Ozkan, 2011. "Income Differences and Health Care Expenditures over the Life Cycle," 2011 Meeting Papers 478, Society for Economic Dynamics.
  • Handle: RePEc:red:sed011:478

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    References listed on IDEAS

    1. Thierry Foucault & Ohad Kadan & Eugene Kandel, 2005. "Limit Order Book as a Market for Liquidity," Review of Financial Studies, Society for Financial Studies, vol. 18(4), pages 1171-1217.
    2. Antje Berndt & Rohan Douglas & Darrell Duffie & Mark Ferguson, "undated". "Measuring Default Risk Premia from Default Swap Rates and EDFs," GSIA Working Papers 2006-E31, Carnegie Mellon University, Tepper School of Business.
    3. Reis, Ricardo, 2006. "Inattentive consumers," Journal of Monetary Economics, Elsevier, vol. 53(8), pages 1761-1800, November.
    4. N. Gregory Mankiw & Ricardo Reis, 2002. "Sticky Information versus Sticky Prices: A Proposal to Replace the New Keynesian Phillips Curve," The Quarterly Journal of Economics, Oxford University Press, vol. 117(4), pages 1295-1328.
    5. Biais, Bruno & Hillion, Pierre & Spatt, Chester, 1995. " An Empirical Analysis of the Limit Order Book and the Order Flow in the Paris Bourse," Journal of Finance, American Finance Association, vol. 50(5), pages 1655-1689, December.
    6. Grossman, Sanford J & Miller, Merton H, 1988. " Liquidity and Market Structure," Journal of Finance, American Finance Association, vol. 43(3), pages 617-637, July.
    7. Darrell Duffie, 2012. "Over-The-Counter Markets," Introductory Chapters,in: Dark Markets: Asset Pricing and Information Transmission in Over-the-Counter Markets Princeton University Press.
    8. Parlour, Christine A, 1998. "Price Dynamics in Limit Order Markets," Review of Financial Studies, Society for Financial Studies, vol. 11(4), pages 789-816.
    9. Carole Comerton-Forde & Terrence Hendershott & Charles M. Jones & Pamela C. Moulton & Mark S. Seasholes, 2010. "Time Variation in Liquidity: The Role of Market-Maker Inventories and Revenues," Journal of Finance, American Finance Association, vol. 65(1), pages 295-331, February.
    10. Mas-Colell, Andreu & Whinston, Michael D. & Green, Jerry R., 1995. "Microeconomic Theory," OUP Catalogue, Oxford University Press, number 9780195102680, June.
    11. Ricardo Lagos & Guillaume Rocheteau, 2009. "Liquidity in Asset Markets With Search Frictions," Econometrica, Econometric Society, vol. 77(2), pages 403-426, March.
    12. Pierre-Olivier Weill, 2007. "Leaning Against the Wind," Review of Economic Studies, Oxford University Press, vol. 74(4), pages 1329-1354.
    13. Ioanid Rosu, 2009. "A Dynamic Model of the Limit Order Book," Post-Print hal-00515873, HAL.
    14. Goettler, Ronald L. & Parlour, Christine A. & Rajan, Uday, 2009. "Informed traders and limit order markets," Journal of Financial Economics, Elsevier, vol. 93(1), pages 67-87, July.
    15. Greenwood, Robin, 2005. "Short- and long-term demand curves for stocks: theory and evidence on the dynamics of arbitrage," Journal of Financial Economics, Elsevier, vol. 75(3), pages 607-649, March.
    16. Coval, Joshua & Stafford, Erik, 2007. "Asset fire sales (and purchases) in equity markets," Journal of Financial Economics, Elsevier, vol. 86(2), pages 479-512, November.
    17. Ellul, Andrew & Holden, Craig W. & Jain, Pankaj & Jennings, Robert, 2007. "Order dynamics: Recent evidence from the NYSE," Journal of Empirical Finance, Elsevier, vol. 14(5), pages 636-661, December.
    18. Sun, Yeneng, 2006. "The exact law of large numbers via Fubini extension and characterization of insurable risks," Journal of Economic Theory, Elsevier, vol. 126(1), pages 31-69, January.
    19. Xavier Gabaix & David Laibson, 2002. "The 6D Bias and the Equity-Premium Puzzle," NBER Chapters,in: NBER Macroeconomics Annual 2001, Volume 16, pages 257-330 National Bureau of Economic Research, Inc.
    20. Ronald L. Goettler & Christine A. Parlour & Uday Rajan, 2005. "Equilibrium in a Dynamic Limit Order Market," Journal of Finance, American Finance Association, vol. 60(5), pages 2149-2192, October.
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    Cited by:

    1. Svetlana Pashchenko & Ponpoje Porapakkarm, 2016. "Cross-Subsidization in Employer-Based Health Insurance and the Effects of Tax Subsidy Reform," National Tax Journal, National Tax Association, vol. 69(3), pages 583-612, September.
    2. Martin Dumav, 2013. "Health Insurance over the Life Cycle with Adverse Selection," 2013 Meeting Papers 1138, Society for Economic Dynamics.

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Thursday, March 30, 2017

Info Workshop Ideku Handmade April 2017

Latihan Pegang Kuas Workshop

Wed, 5 April 2017
10 am - 1 pm

at Ideku Handmade workshop
The Emminent, Cluster Illustria
D1/9. BSD City (in front of ICE)

Reg: Idr 225k (include material and snack)
WA 081316650306 (Mba Nana)

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Hotels & Accommodation in Pelhrimov

Search Pelhrimov Hotels™ Rewards

Collect 10 nights, get 1 reward night

And look out for Secret Prices on selected hotels

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Where to stay in Pelhrimov

Whether you plan to stay for a night or a week, Pelhrimov has the right accommodation for you. There are Pelhrimov accommodations with discounts of up to 25%. Our room prices start at 32 USD per night and below you'll find the number of hotels by star rating in Pelhrimov as well as in the surrounding area:
  • • 9 4-star hotels from 38 USD per night
  • • 8 3-star hotels from 32 USD per night

How to get to Pelhrimov

Pelhrimov Station is the closest train station, located 0.6 mi (0.9 km) from the city center.

When to visit Pelhrimov

Do you want to know the ideal time of year to visit? Here's a list of the seasonal weather norms to help with trip planning:

Seasonal temperature averages
  • • January-March: 52°F day, 24°F night
  • • April-June: 74°F day, 37°F night
  • • July-September: 76°F day, 46°F night
  • • October-December: 62°F day, 23°F night
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  • • July-September: 0.35 inches
  • • October-December: 0.12 inches


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Results are now official! Congratulations to all participants!

Rankings are based on the number of solved problems by a participant. If two or more participants have the same number of solutions, they get the same rank but are listed with the fastest one first. There had been in totel 295 participants. The list contains only participants with at least one correct submission.

1 Alex 24   6986:55:01   school
2 0xbb 22 5734:25:04 university
2 RageQuit 22 5797:02:04 university
2 MichaelLeitgeb 22 6174:29:09 other
5 veilchen2k 21 5616:59:19 university
5 Thomas
Read more: Results of Advent Programming Contest 2012
An Advent calendar is a special calendar used to count or celebrate the days in anticipation of Christmas. Advent calendars typically begin on December 1 and provide a window to open until December 24. Usually they have windows, which you can open each day containing some chocolate or other stuff. But what is better to kill some time until Christmas, Hanukkah, Yule, Kwanzaa, Diwali, Boxing Day, etc. than an Advent calendar giving you a programming problem every day?
Read more: Advent Programming Contest 2012

Our new logo was unveiled during our first BBQ to celebrate the end of the Branch's first summer semester. With beautiful weather and nice temperatures about 50 people joined for our first BBQ. In a nice atmosphere students, PhD students, postdocs, professors, and people interested in the Student Branch came together to have a good time and exchange ideas for the new Student Branch in Klagenfurt.

Our chefs Andrea and Nikolaj prepared delicious food while our bar man Manfred served cold drinks.

Read more: Semesterausklang


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Featured Post

This Phoenix Speaks

Seven years in the making, my first published book, This Phoenix Speaks , is now a reality. The tireless and tiring work invested to ma...

Seeking to Become - February 2016

"O give thanks unto the Lord; for he is good: because his mercy endureth for ever." Psalm 118: 1

I've been taking some time to ponder a few scriptures in Psalms that have caused me to feel my gratitude for what the Lord has done for me. My heart is broken with so many trials right now, so little peace and rest, and I am weary to be sure. However, my heart is gladdened with acknowledgment of how watched over and beloved I am as well.

This opposing emotions thing that I feel at the same time bothers me every so often. I feel like a freak. Why do I seem to always have conflicting emotions so strongly present? Why can't I just feel things a little more even keel? Be more watered down? And why always opposites at once?

I was having one of these moments just the other day while texting with a friend, even one of my dearest friends, and she told me that my "bi-polar emotions" are one of her favorite things about me. Her perspective on things provided a paradigm shift, which caused me to realize what is good about this supposed character flaw.

When things are bad and it is natural to feel terrible, I do, but there's something strange that my mind does—it turns funny. I begin to see the ridiculousness of things and make fun of the situation in any way that I can, and I laugh in the face of destruction somehow. My heart won't give up. I see hope in everything when others would give up.

This characteristic of mine has always bothered me until now; I saw a flaw where a quality was.

The way this ties in today for Seeking to Become is that I want to give glory to God for giving me the tools I need to find the joy he offers me. Each day has joy held within, and we just need to reach out and take it. For this month, I hope to see more clearly the mercy he offers me in who I am and the people around me showing me how to be. I am thankful for his loving guidance, for the spirit leading me to the people I love and who love me. I am thankful for who I am.

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The UK rock festival Sonisphere has been cancelled according to the official Queen website

The bands website issued a statement earlier today: “It is with very heavy hearts and much regret that we announce the cancellation of Sonisphere Knebworth 2012”.

The three day festival was due to take place at Knebworth Park, Stevenage on 6-8 July. The organisers have yet to confirm the news but an official statement tomorrow is expected tomorrow. The organisers have now confirmed the cancellation of the festival. (See below)

Due to join Queen, which features only two original members; guitarist Brian May and drummer Roger Taylor, on lead vocals was American Idol winner Adam Lambert.

The festival boasted a strong line-up with Evanescence, Marilyn Manson, Cypress Hill, The Blackout and Faith No More as well as other acts including The Darkness, Incubus, Refused, Ghost, Flogging Molly and comedian Tim Minchin performing at this years event.

An official statement was released on 29/03/12: “It is with very heavy hearts and much regret that we announce the cancellation of Sonisphere Knebworth 2012.

Putting the festival together in what is proving to be a very challenging year was more difficult than we anticipated and we have spent the last few months fighting hard to keep Sonisphere in the calendar. Unfortunately circumstances have dictated that we would be unable to run the festival to a standard that both the artists and that Sonisphere’s audience would rightly expect.

We want to express our deepest regrets to the artists and to thank all the staff, suppliers and contractors who worked so hard with us to try and pull off what has proven to be an impossible task and we know how much they share in our disappointment.  We also want to send a huge thanks to the Sonisphere fans who stuck by us and we are so sorry that we can’t fulfil what we set out to do.

Ticket holders will automatically receive a full refund direct from their ticket agents.” – Team Sonisphere (link)

About Richard Perkins

Richard Perkins is the founder of Bath Guitar School and has worked for the International Guitar Foundation, Brit Awards, Rockschool, B&NES Council, Mid Somerset Festival, Bath Music Plus, and appeared on BBC and ITV television and radio programming as well as being featured in Guitar Techniques, Total Guitar, Venue, Bath Life magazines and the Bath Chronicle newspaper. Richard is a graduate of the Commercial Music degree programme at Bath Spa University and has a HND in Popular Music from Oxford College.
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Civilization and Savagery

Pity is not natural to man. Children are always cruel. Savages are always cruel. Pity is acquired and improved by the cultivation of reason.— Johnson (quoted in Boswell’s Life)

There is much talk about the “clash of civilizations” in the conflict between America and militant Islam. Against such a background it is worth discussing what civilization is and why, for all its flaws, it is worth defending.

A thinker like Johnson was generally willing to see all sides of the question. When he took a stand, it was with deliberation and a minimum of emoting. He was by no means blind to the shortcomings of the refined Europeans of his day, but neither could he abide that constant carping of contemporary intellectuals—those who most benefited from the advancements of Western civilization—about their own culture contrasted with the imagined simplicity and dignity of the “noble savage.” According to one exchange in Boswell’s Life of Johnson:

BOSWELL: I described to him an impudent fellow from Scotland, who affected to be a savage, and railed at all established systems. JOHNSON: “There is nothing surprizing in this, Sir. He wants to make himself conspicuous. He would tumble in a hogstye, as long as you looked at him and called to him to come out. But let him alone, never mind him, and he’ll soon give it over.” BOSWELL: I added that the same person maintained that there was no distinction between virtue and vice. JOHNSON: “Why, Sir, if the fellow does not think as he speaks, he is lying; and I see not what honour he can propose to himself from having the character of a liar. But if he does really think that there is no distinction between virtue and vice, why, Sir, when he leaves our houses let us count our spoons.”

Multiculturalism is an updated version of this nonsense. Too many Westerners defend irrational savagery abroad while selectively exaggerating the vices of their own culture, apparently heedless of the fact that they would be the first to fall victim to the zealots of unpitying creeds if our civilization were to collapse. Such posturing may be a symptom of boredom, or of pretended superiority over the ordinary people who quietly, and humbly, hold our society together. Johnson reminds us that

Mankind are universally corrupt, but corrupt in different degrees; as they are universally ignorant, yet with greater or lesser irradiations of knowledge. How has knowledge or virtue been increased and preserved in one place beyond another, but by diligent inculcation and rational inforcement? (Adventurer, No. 137)

At the very least, higher cultures are capable of this “rational inforcement,” while barbarian cultures are stuck in a persistent level of brutality. If there are crimes in a higher culture, there are also remedies and efforts to combat them. No one has ever heard of barbarians “reforming” themselves. Only the civilized man can condemn savagery.

This entry was posted in History, Samuel Johnson. Bookmark the permalink.


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On Life: Close Doors

New beginnings often start with an ending. Doors must be closed. Trust there are times that whatever is behind them is not for you, anymore. Move on.

I hate to come off as preachy but sometimes I have to be that friend. There is nothing wrong with leaving things and even people behind. Things that brings us more stress than happiness need to go. People that bring negative energy need to go. It is hard  slamming doors on things we feel we must have and on people we think we cannot live without but everything is a process and eventually other doors open and we are guided to something better.

It really isn’t hard to know when something is not for us. When we have to talk ourselves into it everyday…not for us. When we have to convince everyone else around us that it is good…probably, not for us. If we wake up everyday dreading the hours spent doing things we don’t love and with people who consistently bring us pain and bad energy then we need find a way out… there are other doors.

To begin again we must find an ending.

Let it go. Close the Door. Move on.

Beautiful Closed Doors

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Southcon Builders & Erectors

Southcon Builders & Erectors is a U.S.A. company, located in Greenfield, Hancock Indiana. It belongs to Building Contractors industry.

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Disability Humor: What are we Really Laughing At?

The other night, I came across the OWN Network’s new travel show, Rolling with Zack. The host, Zack Anner, has cerebral palsy and uses a wheelchair. Yet, this guy goes surfing, water-skiing, and even rock climbing on his show. I’ve got to say, that’s cool. Kudos to OWN for showing that people with disabilities can do something on television other than playing Rain Man.

And yet, one segment of the first episode of RWZ bothered me. In it, Zack goes to Millions of Milkshakes, a shop in West Hollywood, to create a milkshake and have it named after him. No, I was not bothered because I was jealous. 🙂 I was bothered because Zack christened his creation the Handi-Cappuccino.

I will be the first to admit, self-depricating humor has its uses. If I’m uncomfortable in a certain situation, I’ll sometimes use it. But rarely, if ever, has CP been the subject of that humor. To be honest, “disability humor” often makes me wonder if we–people with disabilities–are only perpetuating what Robin M. Smith and Mara Shevin call the “tragic, but brave” image. Or worse, are we perpetuating the concept of “special,” the idea that we constantly need help, and the idea that the only reason we exist is to teach people how to be unselfish, open-hearted, and basically saints? (Yeah, good luck with that. If you want an example of somebody who hasn’t learned this lesson, reread the story about the bus driver in my previous post).

After the Handi-Cappuccino incident, I Googled “disability humor”. I found a few examples that could be considered actually funny, such as:

Q: Why did the blind person quit skydiving?

A: It was scaring the heck out of his dog. (Proof that people who are blind can skydive if they want to, and the “special help” they get from guide dogs can sometimes be over-emphasized–though if you have and love a guide dog, more power to you. They can be great companions, from what I hear).

On a T-shirt: “Stairs–the final frontier”–with a person in a wheelchair parachuting down a flight of stairs. I can relate to this one; some days, stairs do feel like quite an obstacle. But guess who climbs them–and grins when the numbers on her pedometer go up? Right–that would be me.

And then there are those that make me groan or say, “Holy flipping crumb, what are they thinking?” For example, I love “You might be ___ if…” lists, so of course, when I saw a list entitled “You know you have a disability when…” I investigated. This “gem” of a list included such things as:

-You get excited over a gadget to wipe your own bum

-You can talk to your grandma about drooling and wetting your pants (thank God someone in my family understands)

-You meet another disable and can talk about their bowel program within five minutes

-You change hospital appointments because they conflict with your hospital appointments

-“Pimping your ride” means putting spokey-dokes in your wheelchair

With insincere apologies to the person who made this list: What. Is. This. Crap? You are a person with a disability. You deserve to be treated and thought of with dignity. Yet, your way of injecting humor into a serious situation is to paint yourself into a stereotypical box. You have perpetuated the stereotypes that:

A. All people with disabilities need or use wheelchairs

B. All people with disabilities spend a great deal of time in hospitals because they “have something wrong with them” or “are sick”

C. (My least favorite) All disabled people are incontinent or, at the very least, spend a lot of time thinking and worrying about how to deal with urine and stools.

Oh, and here’s another little jewel: the cruel kind of humor that, directed at any other group, would be at the very least, highly suspect as hate speech.

Why Beer is Better than Retarded People:

  1. Beer doesn’t drool
  2. Beer stains are easier to remove than drool
  3. Beer will wait patiently in the car while you play
  4. Beer doesn’t ask loud, embarrassing questions in public
  5. You don’t have to limit yourself to bi-syllabic words to communicate with beer
  6. Beer doesn’t demand to watch cartoons

I’d like to find the person who wrote this doggerel and dump two liters of beer on his shrunken head.

Reality check, Beer Boy: Sterilization is a crock. A caseworker in my high school suggested I be sterilized once, and my mom and I nearly had her head. In truth, I love kids. I’m a teacher-in-training with additional years of tutoring experience. I probably know what kids need a lot better than you do. And I’d like to see you go through labor–and if you’re a woman who has, boy, do I feel sorry for your children. As for the rest of it: I have met several people with Down’s Syndrome, autism, and other forms of what you insensitively call “retardation” in my lifetime. None of them drool. I communicate with them the way I would any other person. And so some of them like to watch cartoons. So what? I happen to love a good cartoon or animated movie. And I once saw a college student–without a disability–on my campus carrying her stuff in a Disney Princess backpack–because she LIKES THEM. I guess if cartoon or Disney-watching is your criteria for mental disabilities, we’re all guilty.

Okay, back to the point. See what I mean? “Disability humor” can be downright cruel–in fact, it can be hate speech. Failing that, humor written by a person with a disability can actually harm a lot more than help–and no one’s laughing.

So, what types of disability humor are “appropriate?” Well, unfortunately, my Master’s degrees aren’t in stand-up comedy. But Robin Smith and Mara Shevin had a pretty good idea in their article. When you–if you have a disability or not–see an example of this humor, ask:

  1. Is it laughing with, or laughing at?
  2. Does it perpetuate the idea that there’s a line between “us” and “them?”
  3. Does it make me feel ashamed of, sorry for, angry at, or otherwise feel negative emotions toward, people with disabilities (including the “tragic but brave” complex?)

These are just a few of the things we can ask ourselves, but it’s a good start, I think. And now, to close with a piece of my own disability humor (true story):

As an undergrad, I went to the registrar’s office to request a transcript. The woman at the desk tells me I need to fill out a form to get one. So I tell her, “I can’t write with a pencil; can I dictate that for you?”

She says,

“You want a pen?”

Ignorant people. Gotta love ’em. In retrospect, I should’ve said: “I’d prefer a box of 64 Crayolas–the scented, sparkly kind, if you please.”

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The “Compassionate Can’t”: A Form of Discrimination No One Talks About

Hello readers,

I was inspired to write this post thanks to Angela Ruzicka, author of the Wendy on Wheels books. If you’re unfamiliar with this children’s series, it concerns Wendy, an adventurous ten-year-old who happens to use a wheelchair. She has friends, participates in school, and sometimes deals with discrimination from temporarily able-bodied people.

Today, Angela Ruzicka announced on Facebook that there’s going to be a new Wendy book. It’s not finished yet, but it’s called Wendy on Wheels Moves On. From what the posted preliminary sketches tell me, it concerns Wendy’s love of music and singing. The music teacher places students in certain groups, such as show choir and chorale.

Wendy is always placed in chorale, despite her desire to participate in the other groups. I don’t know, but I presume it’s because the teacher assumes she can’t participate and refuses to make modifications. Sketches show Wendy talking to her principal and writing the music teacher explaining that she feels discriminated against.

This plot hit me where it hurt, guys. I was in chorus as a student. I was allowed to participate, but never given solos or special parts. I was never allowed to do anything in the school musical except be in the chorus line because of dancing (even if some secondary parts did not require dancing, and even though the chorus line’s main function is to dance). Yet I never felt I had the power to fight back. Chorus was one of only two electives I could participate in (foreign languages was the other) and I was afraid of the controversy speaking up would cause. I was afraid of being kicked out.

Now, some people would say, “That was a long time ago, you’re a grown woman, get over it.” I don’t sit around stewing over it if that’s what they mean. I am “over it” because I know there’s nothing I can do. But I am not “over” the way the arts community discriminates against PWDs like Wendy and me. I am not “over” the compassionate discrimination our society continues to call acceptable.

What do I mean by “compassionate discrimination?” Simple–it’s what happens when a TAB person says to a person with a disability, through words or actions,

“I know you want to do this, but it’s just not possible. It’s too hard/expensive/disruptive to modify this activity. You should do X instead, where it’s easier or you’re with your own kind.” TV Tropes sometimes calls it Sorry Billy, You Just Don’t Have Legs.

Now, understand what I am not talking about. I am not talking about situations in which PWDs would be in danger, or situations where they legitimately cannot do what is required. For example, I wanted to be a policewoman in second grade (for about ten minutes). I could probably be a forensic psychologist or criminologist, but because of visual and physical issues, there is no way I’m firing a Beretta or chasing a suspect across the Golden Gate Bridge. And I am fine with that.

What I am talking about are situations in which, with or without support, a PWD could do what is required and should be given a fair chance, but isn’t because the TAB world makes excuses. And then, to twist the knife, they couch discrimination in kindness. As in, “I’m worried you can’t handle the physical demands of teaching.” “I would date you, but what can you do on a date?” “Before we enter a relationship I need to know–can you have kids/sex?”

Stop it. Just stop. This is gonna sound harsh, but at this point I don’t care. You all think you’re being kind and compassionate, but you’re not. You are bigots. Yeah, I said it. You are bigots.

The bigotry has got to stop, folks, and I mean all forms. Everything from, “Sit in the back of the bus, crip” or “Out of my way, retard” to, “Oh, honey, the penguin house doesn’t have an accessible entrance. Wait out here by the trash cans–here’s some ice cream.”

And stop making excuses. When a PWD says something is hard, we say, “Stop whining and meet this goal!” But because TAB people don’t have disabilities, they get to make all the decisions? I think not. Get off your butt and start thinking outside the box.

Let’s replace compassionate discrimination with true compassion, understanding, and interest in the wants and needs of other human beings.

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Why is Mommy Different?: Parenting and Disability (Yes, it can Happen!)

I’ve wanted to be a parent for a very long time. I’m not married yet, ergo, no kids, but I’m holding out tremendous hope for a family. The only problem with that, according to society, is my cerebral palsy. No matter how mild it is, CP would make some individuals believe I should never be a mother. These people would worry that growing up with a disabled mom would, among other things, put my kids at developmental, mental, emotional, and physical risk, or at risk for “parentification,” a word used to describe children who are forced to take on parent-like roles and responsibilities sooner than is appropriate.

To be honest, I used to buy this theory. Again, the mildness of my CP didn’t figure in. I just naturally figured, because of others’ attitudes, that subjecting my child to a disability would be a terrible, even abusive, move. I pictured my kids coming home crying or angry–with me–because someone at school said bad things about Mommy. I pictured myself not being able to make decent meals for them, or get them dressed because of buttons and hooks on their clothes. I pictured having to go to court to fight to keep my kids with me–and losing.

Unfortunately, according to a lot of people without disabilities, such pictures are very realistic. They look at people with any disability, but especially severe physical or cognitive disabilities, and wonder what we’re thinking to even entertain the idea of letting “those people” raise kids. They suggest sterilization, especially for those with cognitive and mental disabilities. An article I recently read stated that many parents with disabilities find their skills judged by a harsher, stricter standard than parents without disabilities. And, as with many constructs of Disability World, it might seem safer, even more humane, to discourage adults with disabilities from parenthood. As in, “They’re kids themselves; how can they raise a kid?”

Again, I used to buy that. Not so much for myself, but definitely for people with more severe disabilities. I naively thought that pairing an adult, or a married couple, who had, say, Down’s Syndrome, autism, severe physical disabilities, and so forth with a helpless little baby would be a disaster. But here’s the truth:

According to the Parents with Disabilities Network of the United Kingdom, 8 million people worldwide who have disabilities are now raising children, and–hallelujah–their numbers keep growing.

Services for parents with disabilities are cropping up around the globe. I’d like to give a personal shout-out to the U.K., who seem to have done a fantastic job with this. Their Disability Discrimination Act (DDA, similar to America’s ADA), gives parents with disabilities certain rights that Americans may not have thought to put into law yet (in the twenty-first century!) These rights include:

  • The right to accessible information (such as communicating with a parent who is deaf via sign language or pencil and paper, or simplifying technical explanations for people with intellectual disabilities). Actually, I’m sure most of us would like that tech-speak simplified, period.
  • The right to request–and then have–parenting classes and other such meetings held in accessible locations
  • The right to have your adoption application “welcomed” if you wish to adopt a child, as long as you are over 21 years old and can provide a stable home (notice, disability is NOT mentioned. Compare this to several nations abroad where prospective adoptive parents with disabilities are automatically disqualified).
  • The right to marry and have a family (U.K. says “found a family,”) and receive appropriate support before and after the birth of children.
  • The right to a private family life, in which the state cannot and will not interfere unless children are endangered, abused, neglected, or abandoned (the only reasons government would interfere in terms of parents WITHOUT disabilities).

So, to the U.K.: This Yank lady thinks you guys rock. As for the U.S., we have support groups for parents with disabilities, as well as similar laws on the books. But our parents–and perhaps some of those in the U.K., definitely those in other nations–with disabilities are still in danger. Did you know that in the U.S., 40-60% of children born to families headed by one parent or the other with a disability were placed in “alternative care?” In other words, taken from their parents, temporarily or permanently, just because the parent had a disability? And did you also know that 15% of parents with disabilities report experiencing efforts to have their children taken from them?

Tsk, tsk, tsk. Or, less politely: What in the heck????!!!!!????

It comes down to this: We go out of our way to make sure children with disabilities have the supports they need to have a “free, appropriate, public education” as defined by IDEA, and most of us would go out of our way to see those children live fulfilling, real lives. So why doesn’t that carry over to parenthood? If we have to use modifications to make parenthood a good experience for everyone involved, so what? If we have to simplify something, so what? I remind you, when things are simplified or modified for other reasons than being “special for the handicapped,” the general public loves it.

But Chick, you say, what if your children did have problems at school because of your disability? What if your family was “the weirdos?” What if your kids ended up in therapy, telling some shrink your CP ruined their lives?

Okay, let’s deal with that. I’d like to share a funny slogan I saw awhile back: “Nice job on the child-rearing. Let me know how the therapy goes.” Disability is not mentioned in that slogan. What’s my point? No parent, disability or none, is perfect. We’re all going to mess up. And yes, despite our best intentions, some of our kids will need a third party to talk to–who may be a counselor. Of course, we don’t want it to come to that, but it could happen.

In terms of other issues: again, I’m not a parent. But when I become one, I am determined to be the best mom possible to my kids. And that means, explaining to them, in ways they understand, what makes Mommy “different”–but also focusing on what makes her the same. Things like:

“Yes, I have cerebral palsy, and that means my muscles get garbled messages when the messages travel from my brain. So maybe I can’t play some games with you, and maybe my crafts don’t look ‘right.’ But…”

  • I can still bake you cookies and cupckaes for school
  • I can still help with your homework
  • I can still listen when you have a problem, or kiss it and make it better when you scrape your knee
  • I can still play other games with you, and find ways to enjoy all the things you likeI can still read you a story (with all the voices) or sing to you, and tuck you in at night
  • I can still hug you and kiss you
  • I can still love you

And isn’t that what being a parent is, anyway? Right. So, if the neighbors think we’re weird?

Well, don’t look at me. They’re the ones barbecuing fish at midnight or putting hideous decorations on their lawns–and nobody tries to take their kids away for that.


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Are you uncomfortable in the selling role?

Although our services are relevant to all industries, we find people in professional services and technical services particularly, have a need for support due to the lack of exposure to business development roles.

Due to Indigo’s experience in the IT sector, we understand that people in technical roles find themselves in front of the client, with a responsibility to win the business.

Sometimes, in the SME market, it’s the founder who has the technical ability but they find themselves holding the sales targets. It’s not always what comes naturally. Indigo can help by bridging that gap and coaching skills that can be enlightening and most importantly, speed up the sales process and increase the amount of clients that you gain.

Ask yourself if you really follow these principles?

Always be relevant, your prospects don’t have time for anything else.”

“Think about everything from your customer’s perspective, not yours.”

“Your prospect knowledge is more important than product knowledge.”

“When you keep it simple, it’s easier for your prospect to buy from you.”

“If you don’t understand your customers business challenges, you can’t win”

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The importance of bedding in the bedroom decor

Gone are flannel sheets that put us our mother so we don’t go cold during the winter. Those warm sheets did not stand precisely for its good taste, but it is something that in recent years has changed, and the bedding is as equally important to decorate the other elements of the bedroom.

bedding in bedroom decor

And it is a well decorated room is one that controls all and every one of the details without leaving anything to chance. Not only the furniture or wall paint are important, it is also necessary that the most common accessories are in perfect harmony with the rest of the decor, hence the importance of bedding in the bedroom decor.

The bedclothes mark the style of the bedroom
More and more brands that create authentic textiles marvels, not only in bed sheets and quilts, but also cushions, covers, duvet covers, etc.

Bedding, finally, after all, it is just marking the style of bedroom, if we like the bed sheets or pillowcases in nordic smooth tones, we can always give a different touch to the room with bold prints cushions or maintain the same color line than the rest of the textile.

Materials for bedding
The type of fabric chosen is also basic. Generally we use cotton in the bed sheets, but other types of materials like silk or satin that can give a glamorous touch to the bedroom.

What we must remember is that the bedding has to take extra care if we have cotton textiles, will be easier to wash, but sooner or later end up losing its color. However, silk or satin needed much more specific care to not end up spoiling.


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Lazy Holiday preparedness?

Good. Welcome.

Event season is upon us, dearest darlings. I have many invitations on my desk, most all requesting that I “bring something to share!”

I get it; We don’t want to do all of the work, we want to hang out with our friends and squish babies and we will have our hands full with that and in the other hand, a cocktail so…bring snackies!

The trade off, of course, is that we are fussing around, trying to keep things warm, keeping them looking appetizing, wondering if people are liking it, making picky kids eat it…Aaaaand not really making Merry at all.

So this year, I decided to find the easiest, laziest dead-ringer that I could. The sign up sheet went out, it was time to declare our intentions. With brazen confidence, I typed “Kalua Pork Sliders.”

Gauntlet thrown.

It was the best possible scenario; pick up rolls, pick up cole slaw (and doctor it up a bit with cilantro, salt and pepper) and a croc pot. It was bliss AND it disappeared. I left there with nothing but pride. ALL THE PRIDE.

I will mention that the other part of this particular invite was to enter a drink into the Drink Competition (which I won, ya’ll) and I made the pork and the drink side-by-side and they cross-pollinated in the best way:

Courtesy Perpetually Hungry Blog who suggests fried onions on top...What is there to disagree with?

Courtesy Perpetually Hungry Blog who suggests fried onions on top…Genius. Also check out the cole slaw recipe, which looks excellent.

Kalua Pork a la Fancy Pants:

  • A good, large amount of Pork Shoulder. Like maybe 4 pounds.
  • Hoisin Sauce. Hoisin make everything tasty. Use lots of globs on top-like half of the bottle. Using this, I cut the amount of Hawaiian salt that is added in half.
  • Clementines-3 minimum sliced into rounds and plopped on top.
  • 1 Tbsp Hawaiian salt
  • Garlic. I would start at 6 cloves or so because I am no wussie.

-Dump ingredients into croc pot, leave on low for 6-8 hours until meat is unable to be picked up because it is so tender, it falls defiantly out of your hands and shreds itself.

-Remove meat from croc pot, remove liquid and chill for a bit until the fat separates, remove fat. mix shredded pork and liquid. Keep on low until served. Watch friend and loved ones become ensnared by it’s hearty-yet-light goodness.

Can you believe how easy that is? Any event the weekend after Thanksgiving and I am making this automatically. The hoisin/ citrus combo is one that I fell in love with after trying the best chicken wing recipe in the world: Her domestic majesty (you needn’t bother correcting me,) Martha Stewart’s Spicy Sweet Chicken Wings. If you are looking for a backup recipe that people will adore, I would recommend this one, even though you need to be less lazy to prepare them.

spicy sweet chicken wings

That caramelized color is where it’s at. Courtesy; Martha Stewart Living

Now, I will be honest; I knew I had the cocktail contest in my pocket because this is my signature wintertime drink and no one in their right mind can deny it’s magic. Not even my mother-who doesn’t drink liquor. The same Aunt mentioned above was kind enough to share her recipe for Honey Preserved Clementines a few years back because they are stunning and I had to have them all to myself. You can put them in everything (other alcoholic drinks, non-alchy drinks,  an upside down cake or an icing…) and they will win hearts.

No. They will STEAL hearts.

They don’t stand a chance.

I call it the Tummy Warmer and it goes a lil something like this:

  • Ice in a lowball glass-crushed
  • A shot of bourbon. I used Burnside.
  • A tablespoon of Honey Preserved Clementines-Include a slice of clementine in the glass (even the rinds are edible. My favorite part!)
  • Ginger Ale to the top.
  • If you want to get fancy, add a smooshed Amarena Cherry.

The Clementines are the absolute easiest thing in the world; you cook them for 10 minutes on the stove, leave them overnight then transfer them to a jar.

Courtesy; Fancy Pants

Courtesy; Fancy Pants

*Pro Tip; If you really want to be the darling of the crowd, you could even bring a few of the smallest mason jars and let people take a few slices with syrup home.

*Pro Tip the Second; fiddle with the spices. Don’t be afraid. It’s the holidays, so you’ll have plenty extra. I love cardamom, so I go nuts with that.

Courtesy; Fancypants

This sounds like common sense, I know but we can all use the reminder. My Need. Want. Crave. posts are my own attempt to slow down and ask myself on a regular basis what I am really needing on a very regular basis and hopefully it inspires you to do the same, even if you aren’t needing or wanting ice cream in your coffee (who DOES that?) or crazy (awesome) house slippers.

Not that we judge those who do, thankyouverymuch.

So I noticed in the crazy busy flurry of last week; family, holiday and holiday-related events, that I was not pushing as hard as I normally do and that as a result, the things I chose to do were mindful, thought out and well enjoyed.

A while ago, we talked about How Many “Tabs” we are keeping open at any given time in our minds and how a little planning helps us focus on what we need to and keeps away all of those distracting, downer feelings of being overwhelmed.

Having a plan, even a loose one, for the big things in life and the small, does wonders for empowering yourself and combating stress.

I thought ahead about how much time I have, my level of commitment and level of fussiness (check out my Potluck Finest post for tips!) that I was willing to put into cooking and event planning and I came up with a plan. Friends, darlings, I am so happy to report that it helped me SO MUCH not to cry or lash out at those I love. In fact, for one family event, I won the cocktail contest AND I went in with 5 pounds of pulled pork and left with none. It was a “Tapas Party” (because it’s now a cocktail potluck.) At lunchtime. Every year. Tapas are fabulous, but I promise you; a cheese and charcuterie plate at lunchtime, mixed with vast amounts of wine, only makes my family hangry and after last year, Hubbs refused to come again unless there was “real food.” I cannot tell you how happy it made everyone for there to be real food there. There was dancing. You know the kind.

I planned effortless dishes and drinks that required next to no supervision. As a result, I was able to relax.

I did karaoke.

And that is all I have to say about that.

There is NO WAY on Earth that we can stop the barrage of life from coming at us all at once, but loves, comrades, brothers and sisters, we can plan. Let’s all try! We can have our ducks in a row, we can estimate what is coming at us and we can be that asshole brown-noser from school.

We can brown nose life.

It will not stop all stress or prevent us from being blind sided from time to time, but it will help us to enjoy the present. It will help us to free up time and since Winter is the time to be really gentle with ourselves, we will need that time to focus on ourselves.

Here are my usual “be gentle to myself” suspects:

Dog walks. Every day that I can, no matter the weather. The outdoors and the social interaction are the best ever for clearing the mind. Honestly, if you ever want to practice your networking skills, the dog park is THE place to start.

Acupuncture. Sure, I still tense up when she goes to poke that thin skinned place behind the knee, but I leave feeling great. Those 20 minutes when I am laying there like a pincushion are so refreshing. Not even kidding.

Writing. For you beautiful people and for myself.

Running. Currently trying to fit more of that in my life.

-Finding ways to spend time on my appearance. I would file this under “pride of ownership” and not selfishness. It makes a person feel a bit more confident when you are actively doing things for yourself. I thought it was ridiculous when a friend loaned me a book about maintaining my curls (whole books have been written about this! With chapters!) but you know something? It works. One less thing I have to worry about and it makes me feel pretty.

-A sleep ritual: About an hour before I go to bed, I make myself some tea. I wash my face and brush my teeth, I get comfortable. No electronics in bed, I call up the doggie and I may find something soothing on tv. If there’s nothing on, I may listen to the radio, reading is the magic bullet, though. I read until my eyes close on their own.

Most importantly, if you need this quality time for yourself, don’t make other plans. Tell everyone that you are busy, it’s not always easy but your life will improve as a result.

How do you get life under control?


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Tuesday, August 2, 2016

Where I've Been

Some of you that follow my blog are probably surprised to see this entry pop up in your social media feed. You may have wondered where I've been, or even forgotten about me, since it's been 2 months since I've written anything.

Summer has always been a busy time for me, and my family. There's just so much more to do in the summer, and I always need to be outside, and on the go, which means being online has to be done in small intervals. This summer has been no exception to that. We have been trying to get out as much as possible to enjoy the outdoors, and all of the activities that summer brings. They are all of Bean's favorite things to do, so I try to maximize opportunities as much as I can. However, this year has been harder than others to do that due to chronic migraines. Every other day, or two I have one, and it's a struggle for me to keep up with life in general. The swirling nausea, and dizziness slows me down, and the aphasia makes it impossible to write on a lot of days, even if I were to have the time.

Health wise it has been really difficult. Having a chronic illness kind of rearranges your life forcibly in ways you never thought about before, but suddenly have to deal with. I have no choice. It's not heroic, or inspirational, or any of those things. I'm a mother, and a wife, and a human being who has responsibilities. I have to get on with things, even if I have to do so in a different way then I had before. So, things have been prioritized, delegated, rearranged, and done at probably much slower speeds than I used to do them, but they're getting done.

Another reason that I find it hard to find the time to write anymore is that taking care of Beans has really


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National Science Foundation
Enhancing Robot Vision
Highlight ID 13612_html_76d8963f.jpg

Vision sensor for future intelligent systems.

Permission Not Granted
State: Pennsylvania

Most present and future vision applications including automotive, biometric, security and mobile computing applications operate in unconstrained environments and have to cope with unknown and widely varying illumination conditions. Even when illumination conditions do not saturate an image sensor, the vision system has to account for object appearance variations caused by illumination. By eliminating illumination-induced variations from the raw optical images the proposed sensor will eradicate the vision system’s vulnerability to illumination variations and signal loss due to high dynamic range.

This adaptive CMOS image sensor will estimate and largely eliminate illumination variations in sensed optical images, thus reporting electronic images that are indicative of the reflectance of the viewed scene. The core innovation is in a signal processing technique for estimating the illumination field from sensed images. The technique efficiently implements as a dense, on-chip, massively parallel analog processor, distributed among the photo-detectors to produce a reflectance sensitive image sensor.

Image sensors are rapidly finding their way into people’s cars, cell-phones, personal digital assistants, medical and diagnostic equipment, automated drug discovery, cutting edge security, surveillance and biometric systems. To fully realize the potential of electronic imaging in society, the image sensors will need to adapt and provide useful images most of the time, even under the harshest of illumination conditions.

  Web Policies and Important Links | Privacy | FOIA | Help | Contact NSF | Contact Web Master | SiteMap


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Monday, 16 December 2013

  • Pretend Christmas doesn't exist. If it doesn't exist, you don't need to buy anything for it, right?

  • Alternatively, just alienate all of your friends and family until January. Then you only need to buy presents for yourself. :-)

  • Have no money. Because that ALWAYS helps.

  • Walk straight back out of every shop you walk into because you keep remembering that you hate every other person in the world, particularly those who are shopping that day and in your way constantly.

  • Buy things for other people and then realise you bought it mainly because you liked it and therefore it makes sense for you to keep it for yourself.

  • Allot a night specifically to doing all your online Christmas shopping and then spend the bulk of it searching for a new dress for your Christmas night out as you've decided you hate the first one you bought two nights before the night out.

  • Procrastinate over EVERY present you are buying purely because you have absolutely no idea what to buy your boyfriend and are suffering a mental block for ALL present buying as a result.

I may currently be guilty of MOST of these things.... :-(

How's everyone else's Christmas shopping going???

1 comment:

  1. Lol, yeah, that pretty much sums up my shopping style! x

You wanna leave me a comment? Come on, you know you want to really . . . ;)


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Don’t Just Copy. Be Better.

I’ve always been annoyed by people who abuse the term Industry Best Practice. People need to start asking WHY and don’t just copy what others do. It’s very easy to copy, but difficult to be better. To be better, we need extra effort, finding out the WHY.

Definition of Industry Best Practice by some people that I’ve met recently:

Industry Best Practice, noun: We’re too lazy to think of better ideas and if the big companies are doing it then it must be good.

I have a dream to be a design leader one day, but my chance might be zero if I never act like one. Followers just copy. Leaders make things better. “They change things,” a line from Apple’s The Crazy Ones ad says, when talking about the people who have changed the world. It’s gonna be a challenging path, most people are comfortable with status quo, but I don’t wanna spend my time becoming a follower. I wanna change things.

How to Speak So That People Want to Listen

Being able to design things is not enough if we can’t communicate it to others. How we speak matters. I watched an inspiring talk from Julian Treasure about how to speak so that people want to listen. He shared about seven deadly sins of speaking (gossip, judging, negativity, complaining, excuses, embroidery/exaggration, and dogmatism), and the positive way so our speech can be powerful and make a chance in the world – HAIL:

  • Honesty – be clear and straight.
  • Authenticity – be yourself.
  • Integrity – be your word.
  • Love – wish them well.

He also shared – not only what we say, but also the way we say matters. There are a few tools that can increase the power of our speaking: Continue reading


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Sample Flash AS3 Code to Help Designers and Developers Handle Data and Communication

Key to the Sheridan Interactive Multimedia program curriculum is teaching learners to build environments in which end users can communicate with each other. To do this, we need interfaces for input and display and we have to get data to and from the server. Think facebook, flickr, YouTube, etc.

Adobe Flash provides many communication classes and methods such as:

  • User Interface Components:
    • Button
    • CheckBox and RadioButton (Check Box & Radio Button)
    • ComboBox and List (Combo Box)
    • TextArea, TextInput and Label (Text Area & Input)
    • NumbericStepper and ScrollPane (Numeric Stepper & Scroll Pane)
    • Slider and TileList (Tile List)
    • DataGrid (Data Grid)
  • navigateToURL to load a Web Page from Flash
  • SharedObject to save a Flash “cookie”
  • FlashVars & SWF Query String to pass variables into Flash
  • ExternalInterface to call a function in Flash from JavaScript
  • Loading a SWF with Loader and URLRequest
  • FileReference to upload a local file to be used by flash
  • URLLoader and URLVariables to retrieve text or server output
  • XML to send and receive XML
  • Web Services to connect to scripts on other servers
  • Remoting to avoid serializing and deserializing data

Here are links to content examples from our curriculum for all of the above except Web Services and Remoting. The Sheridan lessons include more than the content – there are supporting lesson plans, definition documents, steps for building, supplementary links, reflection forms, and in class explanation, lab work, assignments, exams and final projects. If you are looking into schooling in multimedia, please visit the Sheridan Interactive Multimedia site for more information on our one year post grad program.

User Interface Components

Click here for code example

Flash AS3 Components

Communication 1 – navigateToURL, SharedObject, FlashVars, ExternalInterface, Loader, URLRequest and FileReference

Click here for code example

Flash AS3 Communication

Communication 2 – URLLoader and URLVariables to get text or server script data (PHP, MySQL)

Click here for code example

Although we recommend the Falcon Data Class for this type of connection

Flash AS3 Communication

XML in Flash

Click here for code example

Although we recommend the Falcon Data Class for this type of connection

XML in Flash CS3

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11 Responses to “Sample Flash AS3 Code to Help Designers and Developers Handle Data and Communication”

  1. Dan Zen Says:

    Just did an update on the communication.zip file to put in the code that fixes the ExternalInterface for IE. The code was right in the sample html but an older version in the zip file. Sorry about that! It was quite the bug too – a double bug – a timing issue and you can’t name the functions in flash and javascript the same thing.

  2. Dan Zen Says:

    Thanks to Martin who let us know the code in the zip was not updated.

  3. Steffy Says:

    I can’t find the Communication2 file you refer to at http://imm.sheridanc.on.ca/code/communication2.html

    Is there any chance this will be fixed? I can really use those files ^^

    Thanx anyway for the great script 😀

  4. Dan Zen Says:

    Oops – sorry Steffy… just noticed your comment. The link was pointing to communication.zip instead of communication2.zip – and is fixed now on http://imm.sheridanc.on.ca/code/communication2.html.

  5. Manejo y presentación de datos con AS3 - Bases de Datos, XML, Server side scripts, URLLoader, URLVariables « Shift F12 Says:

    […] (imagen tomada del post original) […]

  6. Dan Zen Says:

    Nice review at Flash Enabled – thanks guys…

  7. david Says:

    how do we put a CheckBox in the DataGrid while loading its data from external XML?

    cud u plz suggest!

    thank you in advance!

  8. Dan Zen Says:

    You can use FalconProvider at http://falconflash.wordpress.com to get a DataProvider object from XML with a few lines of code.

    Once you have a DataProvider, you can use the various methods of the DataProvider like addItem() or addItemAt() to add items or replaceItem() etc. You might want to do so in a loop that either loops through your XML or the DataProvider’s array.

    I have never had to put checkboxes in datagrids. It is done with a custom CellRenerer class. I took a scan of the Web but after half an hour have not found an easy working model. http://www.adobe.com/devnet/flash/quickstart/datagrid_pt3/ is a good start. http://www.adobe.com/cfusion/webforums/forum/messageview.cfm?forumid=15&catid=665&threadid=1317199&enterthread=y has one but is a couple hundred lines of code 😉

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text:
Education research center to build global scholarly network

Author: Bill Schmitt

Mark Berends

The University of Notre Dame’s Center for Research on Educational Opportunity (CREO) has been designated an “international research network” by the World Education Research Association (WERA). This recognition of CREO’s leadership in the sociology of education will open new doors for international scholarly collaborations in research on educational inequality.

CREO, directed by distinguished sociologist Mark Berends, will now have WERA support in building a global community of scholarship on educational equity issues as they relate to education policy.

As one of the newly established international research networks, called WERA-IRNs, CREO will examine the state of research, synthesize knowledge and stimulate collaborations, with a goal of identifying promising research directions in the field of educational inequality around the world.

“We’re privileged to accept this leading role from WERA in order to build an interactive, real-time, accessible platform for scholars to discuss contemporary issues in education research and data at the national, regional and global level,” said Berends, who is a faculty fellow of Notre Dame’s Institute for Educational Initiatives (IEI).

Heather Price, a Notre Dame sociologist who serves as assistant director for the Center for the Study of Religion and Society, will work closely with Berends and with Bill Carbonaro, associate professor and assistant director of CREO, representing the research synergy that already exists among units of the University.

“When its WERA-IRN status takes full effect during fall 2013, CREO will build upon its strong reputation with an ambitious agenda to be a world-class resource for education researchers,” Price said.

Plans include a global series of interactive lecture webcasts, a hosted blog space and discussion board for international participants, and archived videos and other materials, all to support research in CREO’s designated field: “sociology of education on educational inequality.”

These plans are meant to build an international network of scholars among graduate students, young scholars and globally recognized researchers alike — with CREO at the hub of the network.

Other WERA-IRN networks have been announced in this new initiative, designated to build global collaborations in such areas as “teacher education for the 21st century,” “global ethics in higher education” and “pedagogical design for learning in digital classrooms.”

WERA, based in Washington, D.C., is an organization of major national, regional and specialty education research associations dedicated to sharing scholarship, developing networks and mutually supporting capacity building.

CREO conducts basic and applied research on schools and the learning process. The research explores the formal and informal organization of schools, the curriculum, teacher practices and student social relationships to determine how these factors interact with student background and ability to affect student learning. Special attention is given to less privileged students and Catholic schools.

The IEI advances Notre Dame’s commitment to the future of children and schools. Directed by Rev. Timothy Scully, C.S.C., the institute supports interdisciplinary research, programs and projects involving more than 60 faculty fellows across the campus.

Contact: Bill Schmitt, communications and media specialist, 574-631-3893,

Originally published by Bill Schmitt at on April 08, 2013.


text:
Posted in EPL, Les Bleus

Lloris v Fulham and French duties

Another clean sheet down the drain after Fulham won 1-0 on White Hart Lane. Berbatov scored the lone goal and you know what they say when he scores, the game is won.

So was the case on Sunday. Lloris was hugely untroubled during the match but there was nothing he could have done about the goal. Lloris had a 3 out of 5 performance.

International Duty

Lloris joined the French team today at the Clairefontaine to prepare for two 2014 WCQ. On Friday, Lloris and the Bleus will take on Georgia and next week Tuesday, they take on Spain. France is currently number two in their group. Two wins will see them win it automatically.

My heart simply beats football.

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Manufacturer/Factory, Trading Company, Group Corporation
Business Range:
Agriculture & Food, Construction & Decoration, Electrical & Electronics, Industrial ...
Management System Certification:
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Sample Available
Distributorship Cooperation

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text: Biological ice nucleii in clouds cause more rain than non-biological ones. You got that? There is ice in the clouds that has a BIOLOGICAL nucleus. Living ice. And it creates rain. As if that weren't science fictional enough, Technovelgy has given us a rundown of all the science fiction novels that predicted this would happen. Read the post to find out more about these living ice bacteria, and the books that guessed at its existence. [Technovelgy]


text:
• they • are • even • further • astray •

ibnul qayyim said about Allah’s Statement:

Or do you think that most of them hear or understand? They are only like cattle; nay, they are even farther astray from the Path. (i.e. even worse than cattle).

[al-furqaan : 44]

“So Allah has likened most people to cattle, and joinng between the two is equating them in not accepting guidance and submitting to it. and He has made the majority [of people] even further astray than the cattle, and this is because the one who steers the beast guides it and it accepts the guidance and follows the path [he steers it to] and does not deviate from it right or left. And the majority of people are called by the Messengers who guide them to the correct path, but they do not answer their call and are not guided and do not differentiate between what harms them and what benefits them. and the beast differentiates between the plants and the paths that will harm it and what will benefit it, and will stay away from what harms it and prefer [what benefits it]. and Allah Ta’aalaa has not created the cattle with hearts that it can use to comprehend, nor tongues to speak with. but He has given that to those who are not benefited by the minds and the hearts and the tongues and the hearing and the sight that have been granted to them, so they are further astray than the animals, for whoever is not rightly guided to the correct way and the correct path while he has the evidence for it, then he is further astray and his condition is worse than the one who is not guided because he has no evidences.”

i’laam al-muwaqqi’een 1/189-190

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Gartner has named Deloitte Digital a leader in CRM and Customer Experience Implementation Services for the fourth consecutive year.
The December 2015 report entitled, Magic Quadrant for CRM and Customer Experience Implementation Services, Worldwide, positions Deloitte Digital highest in execution.
“It’s an honour to once again be recognized as a leader in Gartner’s Magic Quadrant for CRM and Customer Experience Implementation Services, Worldwide report,” says Andy Main, leader of Deloitte Digital US. “As a digital consulting agency, we strive every day to help our clients achieve their ambitions by finding answers to complex challenges, and to do it in new ways that benefit them, their brands, and their customers. To be acknowledged for what we believe is our vision, agility, and ability to deliver differentiating CX solutions is truly significant recognition for our clients and ourselves.”
Deloitte Digital, a component of Deloitte member firm consulting practices, has pioneered a new model for a new age – the digital consulting agency. As an agency and a consultancy, Deloitte Digital combines leading digital and creative capabilities with the deep industry knowledge, innovative thinking, business transformation, organizational change, domain and versatile technology experience Deloitte member firms are known for.
Discussing the CRM and Customer Experience (CX) implementation Services market worldwide, the report notes: “Selecting the right CX and CRM implementation service provider requires focused and deliberate evaluation. The market for CRM implementation services is maturing, but the ability to address complexity from business perspectives, as well as achieve complex technology integration, will be highly differentiating for the next few years. These factors have led providers to re-establish their CRM strategic focus, market strategies and competitive aims, forcing new approaches to differentiation and, thus, leading to changes in positions of providers included in the 2014 assessment.”
According to Gartner: “Leaders are performing well today, gaining traction and mind share in the market; they have a clear vision of market direction and are actively building competencies to sustain their leadership position in the market.” Gartner evaluates service providers on their Ability to Execute and their Completeness of Vision.


text:
👷 Game development🎨 Assets📚 Comics
🎉 Sales🎁 Bundles
A jam entry

Retarded TerroristsView game page »

Submitted by kosiarka0 with 4 hours, 28 minutes before the deadline

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Tryb uczestnictwa

Tryb sensei

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text:
~ SALE BLITZ – Mercy White Collared by Shelly Bell

 Title: White Collared, Part One: Mercy

Series: Benediction #1

Author: Shelly Bell

Publisher: Avon Red Impulse

 Release Date: June 3, 2014

The first sexy installment in Shelly Bell’s four-part serialized erotic thriller about a young law student who must go undercover at a sex club to prove her client is not guilty of murder.

Driven by ambition …
Third-year law student Kate Martin outran her tragic past to become an intern for her idol and secret crush, the powerful attorney Nicholas Trenton. She is thrilled when Nick assigns her to represent his best friend and client, millionaire Jaxon Deveroux … the prime suspect in his submissive wife Alyssa’s murder.

Seduced by desire …
Kate knows they have only a few days to find the real killer, and since signs point to a member of the BDSM community, she volunteers to go undercover as Jaxon’s submissive at Benediction—the private sex club where he is a member—to covertly investigate Alyssa’s last few months. For years, Kate has kept her dark fantasies a secret … but a chance to explore them with sexy, dominant Jaxon is just too tempting to pass up.

 Purchase Links

 Also Available

 He moved behind her. His hand brushed the side of her neck, his fingers playing with one of her blond curls. “You have beautiful hair.”

Her lids fluttered shut. “Th-Thank you.”

“Have you ever been tied up? Bound during sex?”

“No,” she whispered. She couldn’t speak any louder.

His cheek’s stubble rubbed against her neck. “Never had a lover pull your hair or bite you or spank you with the back of his hand?”

Her pussy quivered, liquid desire dampening her panties. Was it possible to climax simply from listening to his voice?

“Do you fantasize about it? Tell me the truth. I’m not going to judge you. You’re always safe with me.”

Safe? She was two seconds away from forgetting she had a boyfriend. To regain control, she broke from her submissive position and turned. “Who hasn’t fantasized about it?”

He frowned. “When we are in a scene, you will refer to me as ‘Jax.’ Understood?”

The disappointment on his face sent a sharp pang in her chest. “Yes, Jax.”

He moved closer. Close enough to feel the erection hidden by his jeans. “What is Kate short for? Katherine? Kathleen?”

“Katerina,” she answered without thinking. No one in Detroit knew her as anything other than Kate since she’d legally changed it at eighteen. How had he made her forget to lie?

“Like you, beautiful and unique. When I use it, you’ll know we’re in a scene.” She nodded, unable to speak. He cradled her head in his hands. “Now tell me the truth. Do you fantasize about a man taking control over you sexually?”

She couldn’t look away from his brown eyes. Couldn’t resist answering. “Yes.”

He arched a brow. “Yes, who?”

“Yes, Jax.”

“Have you ever used nipple clamps?”

They tingled at the suggestion. “No, Jax.”

“A vibrator?”

The lawyer in her wanted to challenge the relevance of these questions, but like she was under his spell, she felt compelled to answer. “Yes, Jax.”

“What kind?”

Kind? Was he kidding? “I don’t understand.”

“You are an innocent, aren’t you? Clitoral, vaginal, anal, dual?”

Dual? Her pussy throbbed. She’d rub her thighs together if it wouldn’t clue him in as to how much his questions aroused her. It had been a long time since she’d been an innocent, but these questions made her feel like one. “Um . . . It’s just your average purple vibrator.” She added teasingly, “It’s shaped like a Popsicle . . . Jax.”

“I like grape Popsicles.” He licked his lips. Was he imagining its taste? Or hers? “Have you ever been handcuffed?”

A memory sparked and her chest tightened. The phantom sensation of steel pinched her wrists. She tried breathing through her nose like Nick had suggested at the police station. “Not for sexual purposes.”

“Why then?”

She tried to pull away, but his hands held her firm in his grasp. “I don’t . . . I don’t talk about that.”

Soothing her, he drifted the back of his hand over her cheek. “It’s all right. You don’t have to tell me . . . yet.”

Author Bio

 A sucker for a happy ending, Shelly Bell writes sensual romance often with a bit of kink and action-filled erotic thrillers with high-emotional stakes for her alpha heroes and kick-ass heroines.

She began writing upon the insistence of her husband who dragged her to the store and bought her a laptop. When she’s not working her day job, taking care of her family, or writing, you’ll find her reading the latest smutty romance.

Author Links

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Important information and Fee Agreement

This website,, gives general principles derived from Alisa Goodwin Snell’s education, experience, training, and life observances for the purpose of helping the reader evaluate the suitability of personal relationships.  The pages and articles on this website provide tools to help you evaluate a relationship but do not attempt to tell you what to do in any specific relationship. The interaction of different personalities in all human relationships is complex. While the principles discussed in these resources should be helpful to all, the decision to enter, stay in, or leave a relationship with the risks that follow are always your own decision and are based upon a consideration of  your total circumstances.

Proceed forward at your own risk, the Dating-Coach program (which includes all books, DVD’s, audios, and services), and Alisa Goodwin Snell makes no promises that the advice given will result in your individual safety, confidence, success, or love and marriage. These resources can guide you in the things you need to know and do to increase your odds for greater safety, confidence, and success, but results will vary depending upon many different factors as well as your choices. Thus, proceed forward with the advice given in the Utah’s Dating-Coach programs at your own risk.

Eligibility requirements: There are eligibility requirements for participation in individual coaching. Click here to learn more.

Product issues

If you have any problems downloading, viewing, or opening your product, let us know by email at

Refund policy

If you are not satisfied with your purchase, you may request a refund or credit toward other products if your request is received in writing within 30 days. Requests need to be emailed to There are no refunds on shipping and handling. Return shipping is at the buyer’s expense. This Refund Policy is only applicable for products that are purchased and not for coaching services that have been provided by Alisa Goodwin Snell.

Copyright and limited use policy

Please remember that the materials you purchased through this site are copyrighted. Online access to the Lasting Love Academy is given for a one-year term only. A renewal membership may be purchased for a discounted price by contacting Alisa Goodwin Snell at It is a violation of copyright law to upload the books, DVDs, or any of the online audios, videos, articles, or other materials to the Internet or provide them for group or public viewing without written consent. Sharing login email and password information with others is also prohibited. Your purchase of any product is for your personal use ONLY. If you are in a committed relationship, you may request that your partner is allowed to use your login information by sending a written request to Alisa Goodwin Snell at If you purchased Everything, you might desire to share your books or DVDs with a few friends or family so they can provide support and encouragement to you. This is acceptable, but group or public sharing of the DVDs and providing individual or group access to online content, without written consent, is a violation of the Rules for Participation | Copyright | Disclaimers. Violators will be prosecuted.

Fee Agreement

The cost for services varies depending on the needs, circumstances, and product, or coaching services a client may choose. By proceeding forward with making a purchase or scheduling an appointment, you agree to abide by the Fee Agreement below.

    1. By proceeding forward with any purchases, appointments, or services, you are stating that you are the guarantor of your bill and are fully responsible for all fees for services and legal expenses that may be incurred if you default on payment.
    2. Services should be pre-paid in advance or at the time of services provided. If you do not pay the full amount for your purchase, payment plan, or coaching services, you will be responsible for the full committed price. You will have two weeks to rectify your bill upon receiving notification of delinquency.
    3. If efforts to collect unpaid balances have not been successful within a reasonable period as determined by our office, your account will be turned over to either a collection agency or Small Claims Court.  A balance is considered overdue when there has not been a payment for thirty (30) days or if you balance is carried for longer than thirty (30) days.  If payment becomes difficult, please consult our office staff at
    4. If you need to cancel a coaching session, and to avoid being charged the full fee for service, please provide twenty-four hours notice prior to your scheduled appointment.  Otherwise, your account will be charged for the time you reserved. Evening appointments are considered prime time and are subject to a $25 cancellation fee if not canceled three business days prior to the scheduled appointment.
    5. By proceeding forward you are stating that you have read, understand, and agree to the terms listed in the “Fee Agreement” as described herein; you understand, agree with, and give Alisa Goodwin Snell permission to release your billing information to a third party in the event that your account is in arrears; you agree to pay a delayed payment fee at a rate of 10% per month on the unpaid balance and to pay any and all costs, including account balance, interest, attorney’s fees, Court cost and any other such cost that are incurred by the provider in the collection of delinquent accounts.

By choosing to proceed forward with any services, appointments, or purchases from Alisa Goodwin Snell you are stating that you are doing so under the conditions herein outlined; you understand, accept, and agree to all the terms above; and you agree to the terms of the Contractual Agreement, Fee Agreement, and Additional Information herein outlined.

Last updated: December 13, 2017

2 thoughts on “Important information and Fee Agreement

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Asus, alongside the launch of the ZenFone Pegasus 3S in China, announced the pricing of the ZenFone 3 Zoom – at least, partially. To recall, the ZenFone 3 Zoom was launched at CES 2017 last week, but at the point the company had only detailed a February release date.

The Asus ZenFone 3 Zoom price is CNY 3,699 (roughly Rs. 36,400) – specifically, for the top-end 128GB inbuilt storage variant that also sports 4GB of RAM. Price details of cheaper SKUs were not revealed by the company. As we mentioned, the company made the price announcement at the China launch event of the Asus ZenFone Pegasus 3S IT168 reports.

The ZenFone 3 Zoom is called the “thinnest and lightest” smartphone featuring a 5000mAh battery by Asus. The smartphone is 7.9mm thick, and weighs 170 grams. It sports a 5.5-inch full-HD (1080×1920 pixels) AMOLED display with Corning Gorilla Glass 5, and is powered by a Qualcomm Snapdragon 625 processor.

The camera-focused smartphone bears a dual rear camera setup, with one 12-megapixel rear camera with Sony IMX362 sensor and an f/1.7 aperture, and the other 12-megapixel rear camera featuring 2.3x optical zoom – allowing for a total 12x zoom. Like the Asus ZenFone AR, it features a TriTech+ autofocus system, dual-PDAF, 4-axis OIS, and 3-axis EIS. At the front, the ZenFone 3 Zoom packs a 13-megapixel camera with a Sony IMX214 sensor, an f/2.0 aperture, and a screen flash feature.

Source : (gadgets.ndtv.com)


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December 1984

Methotrexate and Etretinate in the Treatment of Psoriasis-Reply

Arch Dermatol. 1984;120(12):1556. doi:10.1001/archderm.1984.01650480017005

In Reply.—  Vanderveen's and Ellis' letter was mailed immediately after the publication of their article in the September 1982 Archives. The more detailed case story was reported later by my co-workers in Dermatologica. Unexpectedly, the latter appeared much earlier than the letter.Etretinate was given to our patient in combination with methotrexate from Nov 21,1980 to March 26,1981. Unfortunately, my letter to the editor did not state clearly the starting date, which according to the text could be interpreted as being in April. This was not the case.Four months may not be regarded as "short-term" therapy, but the intention was that it should have been. Due to a flare of the patient's psoriasis, the methotrexate dosage was never reduced to more than 7.5 mg/wk until her hepatitis occurred, when therapy with both drugs was discontinued. As stated, etretinate alone could have been responsible for the liver damage. A few

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text:
A Truth Learned Late   1 comment

I’m glad I finally realized the truth stated here by Parker Palmer: “Let Your Life Speak.”  His description could be the retelling of my pre-grace life.

Like many middle-class Americans, especially those who are white and male, I was raised in a subculture that insisted I could do anything I wanted to do, be anything I wanted to be, if I were willing to make the effort.  The message was that both the universe and I were without limits, given enough energy and commitment on my part.  God made things that way, and all I had to do was to get with the program.

My troubles began, of course, when I started to slam into my limitations, especially in the form of failure.  I can still touch the shame I felt when, in the summer before I started graduate school at Berkeley, I experienced my first serious comeuppance: I was fired from my research assistantship in sociology.

Having been a golden boy through grade school, high school, and college, I was devastated by this sudden turn of fate.  Not only was my source of summer income gone, but my entire graduate career seemed in jeopardy, the professor I had come to Berkeley to study with was the director of the project from which I had been fired.  My sense of identity, and my concept of the universe, crumbled around my feet for the first, but not last time.  What had happened to my limitless self in a limitless world?

The culture I was raised in suggested an answer: I had not worked hard enough at my job to keep it, let alone succeed….  But that truth does not go deep enough…. I was fired because that job had little or nothing to do with who I am, with my true nature and gifts, with what I care and do not care about….

Neither that job nor any job like it was in the cards for me, given the hand I was dealt at birth.  That may sound like sinfully fatalistic thinking or, worse, a self-serving excuse.  But I believe it embodies a simple, healthy, and life-giving truth about vocation.  Each of us arrives here with a nature, which means both limits and potentials.  We can learn as much about our nature by running into our limits as by experiencing our potentials.

Despite the American myth, I cannot be or do whatever I desire–a truism, to be sure, but a truism we often defy.  Our created natures make us like organisms in an ecosystem: there are some roles and relationships in which we thrive and others in which we wither and die….

If I try to be or do something noble that has nothing to do with who I am, I may look good to others and to myself for a while.  But the fact that I am exceeding my limits will eventually have consequences.  I will distort myself, the other, and our relationship–and may end up doing more damage than if I had never set out to do this particular “good.”

When I give something I do not possess, I give a false and dangerous gift, a gift that looks like love but is, in reality loveless–a gift given more from need to prove myself than from the other’s need to be cared for.  One sign that I am violating my own nature in the name of nobility is a condition called burnout.

Posted June 12, 2012 by janathangrace in Reading

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One response to “A Truth Learned Late

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  1. Like – BK

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