TheDominionMagazine.com

Size: px
Start display at page:

Download "TheDominionMagazine.com"

Transcription

1 TheDominionMagazine.com 1

2 2 TheDominionMagazine.com

3 TheDominionMagazine.com 3

4 4 TheDominionMagazine.com

5 TheDominionMagazine.com 5

6 6 TheDominionMagazine.com

7 TheDominionMagazine.com 7

8 contents 10 Dominion residents offer opportunities for Money & Manners 16 Cibolo Nature Center 19 Water Conservation: Tips Facts & Resources 24 Newt Gingrich: Rediscovering God in America 28 Don t Spend It All On the Nursing Home 30 Fun & Exciting Summer Camps for Kids 31 Corkscrew Corner 32 Austin Steam Train: A ride back to simpler times 36 Summer Pet Safety Tips Things to Try This Summer at Texas Ski Ranch 40 Jack Hanna stops by SeaWorld & visits with Community Circular Magazines 45 Pioneers of The Dominion & Future Plans for the Community 46 Super Slow Fitness 48 Say No To Heart Disease 52 Mercedes-Benz of Boerne 54 Dirty Dusty Designs 59 Puzzles Publishers: Community Circular Magazines a division of White-Frisbie Media Graphic Design Taylor Davis Michelle Fortenberry Jared Hawkinson Lucy Hutchenson James Tootle Administrative Risa Castillo Jared Hawkinson Jake Hatcher Sales Rachel Danley Sheryl Hawkinson To advertise your product or services in The Dominion Magazine, please contact Rachel Danley at or by at The Dominion Magazine is a periodical published for the enjoyment of The Dominion subdivision. The magazine is intended to cover entertaining and informative topics that are of interest to The Dominion subdivision. The magazine is not affiliated with The Dominion subdivision or any government agency and is supported by its advertisers. We want your feedback! What do you think of our all-new The Dominion Magazine? As a reader, we want to hear from you. If you have feedback on any of our articles, or the magazine itself, we want to know about it. We encourage you to visit our web site at and let us know what s on your mind. The Dominion Magazine is published by Community Circular Magazines, a subsidiary product of White-Frisbie Media. It is provided for the enjoyment and education of its readership. The information presented in this magazine is believed to be true at the time of publishing. Community Circular Magazines does not guarantee or warranty any of the services or products produced by the companies represented herein. Community Circulars is a proud member in excellent standing with the Better Business Bureau (BBB). If you have any feedback on this publication, please contact us at or visit our web site at Become a contributor to The Dominion Magazine! We are looking for contributors to our new magazine. Have an article idea? Or maybe you would like to write periodically for the magazine. We re looking for readers to contribute their ideas, articles, photography, short stories, poetry and more! Have a photo that you think would look great on our cover? Send it to us! To send us your content or ideas, please go to our web site at We re also accepting photos for our The Dominion Pet s Corner - send us photos of your furry family members so our readers can learn more about how special they are to you. Where in the world is The Dominion Magazine? Traveling? Be sure to take The Dominion Magazine with you! Take a picture holding the magazine. Tell us a little about your travels. We would love to know where you ve been traveling and where in the world The Dominion Magazine has been! We would like to say thank you to the local businesses that support The Dominion Magazine. Many Dominion area business owners and/or employees are also residents in the area; we appreciate their support and thank them for the services they provide to our readers. 8 TheDominionMagazine.com

9 TheDominionMagazine.com 9

10 European and Texan sensibilities combine to form a unique partnership and offer valuable opportunities to the San Antonio area. Money& Manners A few years ago, Mark and Heather Magarian were leading what seemed to be very different lives on distant shores. He, an Englishman with a background working as a trader for billionaire Martin Gruss and also serving as a Vice President at Deutsche Bank in London - she, a native San Antonian, mortgage banker and part-time model whom regularly traveled the world. Mark and Heather met at the ultra-chic Chinese restaurant, Hakkasan, where Mark was entertaining clients and where Heather was visiting on holiday. Mark says that when he first saw Heather across the room, he knew she was the one. Growing up in London, Mark says he was always very analytical. He wanted to understand what drove good and bad decision making, especially in the world of investments in which irrational behavior is the hallmark of market bubbles and bottoms. He wanted to understand why he did what he did and that ultimately led to insights into the behavior of others. Mark remembers one of the stories he read during the crash of 87 in The Telegraph on how some investors had success when others were failing. How had they accomplished that? Mark distilled it to two things: All had a lot of hardship to get where they were and were willing to make decisive changes when needed. Mark was off and running. He started reading books on the financial markets and analyzing them. The ones who made it when everyone else was losing it, soon became clear. Their personalities had developed the ability to adapt, sense opportunity and not follow the herd. 10 TheDominionMagazine.com

11 Mark & Heather pictured at The Dominion Country Club Meanwhile, Heather was growing into a young lady in her native San Antonio. She was of Scots-Irish descent and with the encouragement of her parents, Heather learned and competed as an Irish and Scottish dancer. She practiced diligently every day and ultimately won the World Championship of Irish Dancing in This involves no small amount of talent and precision. It brought her into a new culture and into the art world where she was introduced to the European style of elegant living, the social graces, and eventually to Mark. It was late in 2006 when Heather and Mark met. They began dating immediately and conducted a long distance romance for under a year before Heather moved to London. The Magarians were married in summer of 2008 in the fairytale setting of Dundas Castle in Edinburgh, Scotland. They spent another year living in London several blocks from Buckingham Palace before building a house in The Dominion and making San Antonio a permanent home. Now Mark works as a financial advisor and portfolio manager for Morgan Stanley Smith Barney and Heather runs a school of etiquette and charm for children. The beauty of etiquette is that it helps us move more fluidly in the social arena because it is a universal language, Heather says. Even those without the benefit of having refined their personal presentation at a charm school understand and respond to being treated with gentleness, fairness, kindness and respect. Heather keeps very busy with her etiquette business Little Miss Manners, which has expanded into a variety of venues including semi-private summer classes, the Girl Scouts & Brownies, Jr. Cotillion, Mom s Class (a semi-private class for the mothers of the children she teaches) and private lessons for adults. Each promotes confidence, closeness and trust. Heather demonstrating her talent as a World- Champion Irish dancer TheDominionMagazine.com 11

12 It is my goal to empower each student with the confidence to handle almost every type of social situation. One of Heather s clients comments: My 8 yr. old daughter not only enjoyed her classes, but learned so many things other than just your typical manners. She would come home every day very excited about what she learned and continues even now to speak of the sessions. I would highly recommend Little Miss Manners summer program and have already planned on doing a refresher course this summer for my daughter. Trust is vital in every relationship, but it is perhaps nowhere more important than in the investment field. Working with an advisor that is qualified to handle your affairs, always with your interests at the forefront is paramount. Mark, with 14 years experience in his field, uses the latest technology and live feeds from all over the globe to screen thousands of stocks in real time with the touch of a button each working day. From a global macro perspective, Mark isolates trends in stocks, bonds, commodities and currencies finding alternative investment opportunities and narrowing the focus to areas displaying the most promise. At a micro level he chooses a handful of stocks out of those thousands looking for strong margins, little to no debt and high growth. It s a best in class approach. Of all the secrets Mark has learned over the years, he says his global approach and perspective are perhaps the most important. From my first job trading emerging markets as the Russian crisis unfolded in 1998 to working in more developed markets with the tech bubble in 2000, it seemed that every situation I was thrown into had a turbulent market. With a mandate across strategies and asset classes of generate returns but manage downside and protect capital, I was forced to become more disciplined and precise in managing risk. Mark says There s usually an opportunity somewhere but what does that mean and shouldn t we be investing in our own country? Part of what I m doing is helping my clients understand the global economy and how to succeed in it, Mark continues Without a good money manager to advise them, many individual investors try to manage risk themselves which without all the information and tools can be a difficult task. Every decision involves risk; even sitting on cash has its own risks attached to it. One of the big differences in my approach is I am more active in making decisions to reduce risk and protect capital. Of course, every client s needs are different. Determining risk tolerance is part of the equation for developing a successful portfolio. Mark & Heather on their wedding day in Scotland It s like Sun Tsu s Art of War. Different situations dictate different tactics. One of Mark s clients shares, I ve discovered from working with Mark that when I turn on the T.V. and see some bad news in the world I don t have to worry because I know he s already doing something to either protect my assets or take advantage of an opportunity. The problem is the industry is dominated by sales people. Sales has little to do with the skills needed to make good investment decisions; one needs to know how to change the outcome to take advantage of the hidden opportunities in the midst of what may seem a challenging market. Mark doesn t believe in riding out bear markets. The byproduct of a bear market environment is that as the market becomes depressed - people become more fearful. But those who have managed their money well are in a position to buy into opportunities at attractive prices. Mark states I work with individuals who want a different outcome to the norm, are focused on the bottom line, and covet the level of accountability and day-to-day risk management that they deserve. Morgan Stanley Smith Barney has the credibility and infrastructure that allow Mark to implement his strategies. A client sums it up, Mark s experience is unique in San Antonio. I feel I get a much higher level of service from him and the results speak for themselves. Mark & Heather s dogs, Larry & Oscar. Heather s summer etiquette classes ( Little Miss Manners) teach social skills to children from the ages of Four two-hour summer sessions offered weekly. Etiquette is the internationally accepted code of conduct standardized in the French courts and is used by diplomats and leaders the world over. Classes are very interactive and quite fun ~ Heather is down to earth with her teaching, which has been embraced by hundreds, It s the What s in it for you? method, which works every time : ) or (210) Mark D.V.F. Magarian Financial Advisor for Morgan Stanley Smith Barney LLC, Member SIPC 9311 San Pedro Avenue, Suite 1200, San Antonio, TX call (210) or (210) TheDominionMagazine.com

13 TheDominionMagazine.com 13

14 14 TheDominionMagazine.com

15 TheDominionMagazine.com 15

16 Cibolo Nature Center in Boerne Offers Summer Camps for Kids With its 100 acres of Hill Country trails and wilderness plus an 11,000 squarefoot facility with sprawling porches, the Cibolo Nature Center (CNC) is ideal for outdoor adventure in the summertime where kids can explore, observe, and investigate our natural world. If you re a parent or guardian who s seeking great summer activities for your kids that are closer to home and kinder to your wallet, then you really should consider CNC in Boerne. And there s absolutely no cost for you and your family and friends to enjoy the Center year-round. CNC offers seven weeks of individually-themed Nature Camps and Art Camps throughout June and July. Children ages 6 to 12 are invited for a summer of nature and fun. (Five-year-olds may participate in Nature Camp if they ve attended kindergarten.) The mission of CNC summer camps is to bring environmental awareness and stewardship to children while fostering friendship and respect through nature, play, and creative hands-on educational activities. There are also traditional camp activities such as games, crafts, skits, silly songs, and special guests. Mary Gomillion, Director of Children s Education at CNC, stresses that We re a licensed day camp, which puts safety as a top priority as is evident by our trained and qualified summer staff. She adds All camp weeks are packed with activities, presenters and most of all fun! Each week-long camp runs Monday through Friday. Nature Camp is from 9 am to 1:30 pm and Art Camp follows from 1:30 to 4:30 pm so it s possible to attend both camps during the same week. Campers dress comfortably for the outdoors (swimsuits are appropriate for some Nature Camps). The weekly rate for Nature Camp is $150 per child while Art Camp costs $175 (art supplies included). Multiple-week discounts and scholarships are available. Registration packets and scholarship forms can be downloaded online at 16 TheDominionMagazine.com

17 Week 1 (June 6-10) Creek Week. Bring swimsuits and water shoes to cool off while swimming with the fish and learning to catch them, too. It s catch-and-release fishing only at the Cibolo, so fish can go on their merry way to be caught another day. Week 2 (June 13-17) Rowdy Reptiles. If you like snakes then you ll especially enjoy this camp. Snake expert Pete Mimikos teaches about these important animals including the poisonous varieties. Go on a snake hunt (and look up for snakes that live in trees!). Week 3 (June 20-24) Things with Wings. From predatory birds to bats to bugs, investigate creatures that fly to survive. Butterflies fly freely around the butterfly house. Learn amazing things from visiting experts and prepare for the Insect Olympics. Week 4 (June 27-July 1) Cibolo Native Americans. Cibolo Creek is rich in Native American history. Games were a large part of how Native American children learned to hunt for food. Celebrates how Native Americans lived and learned from the land. Three more Nature Camps in July Week 5 (July 11-25) - Something s Fishy! Week 6 (July 18-22) - Nature Trackers. Week 7 (July 25-29) - Water Week. For these camp descriptions, go to Campers spend time outside learning to see the beauty of nature and develop artworks based on their discoveries. This camp encourages a comfortable, creative and fun environment for all students to develop new techniques and skills while learning to express themselves through art. Doris Perez, Director of Operations for CNC, says, The opportunity for children to explore the creative process and the natural world at the same time makes Art Camp a really special event. Week 1 (June 6-10) Take a Walk with a Line. Creativity blooms after inspirational hikes in the park. Have fun experimenting with a variety of drawing media and methods. Explore art fundamentals such as composition, volume, light and shadow, line and color. Week 2 (June 13-17) Deep in the Art of Texas. Mockingbirds, lightning bugs, prickly pear, armadillos and buffalo inspire this camp s young artists. Work in a variety of media while celebrating the many styles of local Lone Star artists. Observe creative processes from one of Boerne s very own professional artists. Week 3 (June 20-24) Color Your Summer. Express your artistic spirit in bold or delicate colors with imaginative and descriptive brushstrokes. Experiment with landscape, self portrait, and other subject matter with various forms of wet media including watercolors at the Cibolo Creek. Week 4 (June 27-July 1) Tell Your Story. This week s art camp is all about creating a story using your imagination on canvas. Discover the connection between art and literature by exploring narrative elements in a work of art and how to interpret the story that it tells while creating your own book. Three more Art Camps in July Week 5 (July 11-25) Discovery-Scape. Week 6 (July 18-22) The Art Explorers. Week 7 (July 25-29) Contemporary Collage Craze. For these camp descriptions, go to On Fridays, family and friends are invited to view an exhibit of art that s created during camp. by Scott Sparks Cibolo Nature Center 140 City Park Road, Boerne, TX Ph: Web: TheDominionMagazine.com 17

18 18 TheDominionMagazine.com

19 Water Conservation in San Antonio & Surrounding Cities by Susan Marx Waterfall and pool at Westcave Preserve located just west of Austin, Texas. In the 19th century, American writer Mark Twain said (of the American Southwest) where whiskey is for drinking over and water is for fighting over. People are still fighting over water in Texas mostly landowners who want it in writing that they own the water beneath their land like minerals and gas. Rule of Capture is the long held notion that says whatever you can pump out of your land is yours and there s no limit except for the capacity of the pump. In fact, there is a bill before the Texas State Legislature right now on this very issue. Republican Senator Troy Fraser introduced Senate Bill 332 a law that could make groundwater a vested property right. The thing is, water is a shared limited resource and when it s in short supply, what you withdraw from the groundwater directly affects how much is available for everybody else. San Antonio, as most of us already know, sits right on top of the Edwards Aquifer a massive reservoir of fresh water that extends 180 miles long and 45 miles wide encompassing many species of plants and animals. Archeological records show that native American Indians settled here 11,000 years ago because of the abundance of clean groundwater. In fact, San Antonio is one of the only cities in the U.S. that draws almost exclusively from an aquifer to supply its population with potable water. The State of Texas established the Edwards Aquifer Authority (EAA) in 1993 (which was implemented in1996), to oversee and limit water usage of the aquifer to protect the endangered species that thrive there. If SB 332 becomes law, Roland Ruiz (public information officer at EAA) says they will seek to be exempted because of the EAA Act. Hydro-geologist Brian Smith of the Barton Springs Water Conservation District of the Edwards Aquifer says, The real limiting factor is that we need to maintain a certain level in aquifers to provide adequate flow to the springs. Without adequate spring flow the rivers dry up and destroy habitats, wildlife and aquatic recreation. Smith said, We have to reduce over- pumping to protect the aquifers. The seven months prior to May of this year are the driest on record and weather predictions lead experts to believe the current drought is on track to continue. New Braunfels (which uses Comal Springs and well J-17 both fed by the Edwards Aquifer) announced a Stage 1 Critical Drought on April 13 restricting outdoor watering to even or odd days depending on your address. Fair Oaks Ranch and Bulverde/Spring Ranch (which use the Trinity Aquifer and Canyon Lake which is fed by the Trinity) announced Stage 1 Critical Drought on April 14 and are also restricting outdoor watering. On April 18, 2011 the EAA issued a Stage 1 Critical Drought Alert requiring permittees in San Antonio to reduce their pumping by 20%. For more information about possible restrictions on water use in your area contact or Ruiz adds Within the San Antonio region over the past years there has been a fundamental shift in perspective on the use of water. When the EAA placed a cap on permits and started restricting water usage of the aquifer they created a water market. Water has a financial value like it never had before and people are treating it like a precious resource. It s an example of how public policy leads to conservation. Ruiz believes, however, that water conservation is nothing short of behavior TheDominionMagazine.com online at CommunityCircular.com 19

20 modification. Even though technology has given us more efficient appliances (like lowflow toilets), Ruiz said, It really comes down to people changing the way they think about and use water. With the population doubling in San Antonio over the last 20 years, the San Antonio Water System (SAWS) is actively exploring ways to diversify off the Edwards Aquifer and supply the growing needs of the community. Fact #1 Texas is prone to cyclical drought. Water conservationist Todd Votteler, PhD said, Water planning is based on the worst drought on record for which we have measurement. The drought of record in Texas ( ) depleted the aquifers to such an extent the Comal and San Marcos springs (which draws on Edwards Aquifer) went dormant. That in turn caused the San Antonio River to dry up (the San Antonio River is fed by Comal and San Marcos springs). Recent tree ring studies of the Bald Cypress (which live 300-1,000 years) show that Texas has seen worse droughts than the 1950s drought and that a serious drought occurs about every 50 years. Fact #2 Since the mid-50s the population has doubled in Texas and is expected to double again by the year 2040 but state water supplies have not kept pace. San Antonio is one of the fastest growing cities in South Central Texas with a current population of 1.7 million and counting. Fact #3 The Texas Water Development Board (TWDB) makes long term plans for statewide water supply to meet the needs of the growing population and to prepare for the inevitable recurrence of drought. Based on data gathered across the state TWDB has determined that a full 30% of new water demand will be met through water conservation savings. Fact #4 Texas has extremely variable rainfall. It s feast or famine. We seem to either be in drought or are experiencing a deluge. The Edwards Plateau has some of the most intense rainfalls on record with as much as 22 inches falling in 3 hours. This water recharges the aquifer but the rest floods on the surface and is lost unless it is captured in reservoirs. The Comal River flows through Landa Park and is fed by natural springs. Edwards Aquifer Zones Regional Detail Contributing Zone Recharge Zone Transition / Artesian Zone Artesian Zone Travis 9 Edwards Real Kerr Bexar I-10 2 Kendall 3 US Hays Comal 7 8 I-35 Area Detailed 10 HWY 90 1 Kinney source: Uvalde Medina Las Mora Springs Medina Lake Large solution chamber Limestone fault Flowing limestone conduit San Antonio Bexar Canyon Lake Comal Springs San Marcos Springs Barton Springs San Felipe Springs Miles 0 30 North 20 online at TheDominionMagazine.com CommunityCircular.com

21 Karen Guz of SAWS says that since the creation of the EAA, they have been actively involved in educating the community on ways to conserve on an individual level. Guz said, We don t worry that we re going to run out of water. The Stage 1 Alert is part of a legislated water conservation management plan that prevents this. It means cutting back on per capita consumption and finding ways to diversify supply. Conservation also means being involved in partnership with the community and cultivating an awareness of how curbing personal water usage contributes to sustaining water supplies and keeping cities thriving and beautiful places to live. Guz says they re very proud of the fact that average water consumption has dropped significantly over the past 20 years. She says we ve doubled the number of customers but are using the same amount of water. That s an astonishing claim and it supports the findings of the TWDB that conservation is one of the best and most cost effective ways of supplying more water. As part of their ongoing efforts to educate the community, SAWS offers free conservation consultations. A representative comes out to your home and shows you exactly how to cut down on water usage. Guz says that on average, people do change their habits after this consultation. SAWS also offers free water-saving showerheads to those who visit their service center or have a consultation. These showerheads cut water usage down by half! Instead of using 3.5 gallons of water per minute, you only use They also give away free faucet aerators, which save gallons of water a minute. And for those households that meet the criterion SAWS also offers up to two free high efficiency toilets. Low income households may also qualify for free installation and plumbing repair. Incredible as it may seem, just by using more efficient fixtures and appliances, limiting your showers and other in-home use, like only running the washing machine when you have a full load, can save indoor consumption by 30%. By modifying watering habits as well, customers can shave off as much as 10,000 gallons annually. Multiply that by 1.7 million people and you can begin to see what a massive difference just a few relatively small adjustments can make. The biggest area of conservation that still needs improvement on the individual level is outdoor usage. Roland Ruiz and Karen Guz both say people generally over water their yards and that they have a hard time understanding that watering less is better for most landscapes. When you live in an area that is characterized by cyclical drought, you may also have to accept the fact that your yard may not be that green in the midst of a dry period. Another alternative is converting traditional grass yards to drought resistant Xeriscape. Xeriscape isn t just about rocks and cactus. There is a wide variety of plants you can choose from that only require minimal watering. SAWS has developed a site at the San Antonio Botanical Gardens called WaterSaver Lane that demonstrates how you can have Mediterranean landscapes, Hill Country Landscapes, Cottage Garden Landscapes, Spanish, Wild and traditional American that all look lush and colorful without using a lot of water. To see these landscape alternatives visit the gardens or the SAWS website It s also nice to know that SAWS is diversifying off the Edwards Aquifer by using the Trinity aquifer (which sits directly underneath the Edwards), Canyon Lake and an aquifer storage and recovery system The Comal Springs in New Braunfels, Texas emerge from underground. TheDominionMagazine.com online at CommunityCircular.com 21

22 they ve developed using the Carrizo-Wilcox Aquifer, south of San Antonio. The Carrizo-Wilcox (unlike the Edwards, which is made of limestone) is made of softer sandstone. SAWS injects water into the Carrizo-Wilcox for storage during wet times and then goes back and retrieves it again when demand is high in a dry period. It s a natural underground reservoir. Through various partnerships, the San Antonio Water System has developed a large water reclamation project that recycles wastewater for agricultural use, cooling towers and as production water for large commercial users like Toyota, Microsoft and University Health Science System. This is a large scale water conservation effort. In fact, on May 4, 2011 the Texas Commission on Environmental Quality (TCEQ) awarded SAWS for recycling and reusing water. Ann Hayden of SAWS said, The reclamation project allows San Antonio to attract large industries to the area without significantly impacting water resources. It takes a big chunk off potable demand. The reclamation site is also currently being developed as a future solar farm. Another industrial-sized SAWS conservation effort involves teaching businesses how to reclaim condensate off of their cooling systems. One large mall in San Antonio, for example, collects 40 gallons of water a minute from their air conditioners and recycles it to their cooling tower. SAWS has two other large scale water conservation projects on tap for the not too distant future. They are currently testing Wilcox Brackish Water Desalination which will deliver as much as 10 million gallons of water a day beginning in 2016 and a partnership with Gonzalez County called Regional Carrizo which will use Schertz/Sequin Local Government Corporation excess water through a shared pipeline coming together at the border of the City of San Antonio in late Finally, upon review of their 50 year water management plan under TWDB, SAWS is currently accepting Requests for Competitive Sealed Proposals (RFCSP) for a water supply supplement from parties with the ability to deliver water to Bexar County as part of an effort to diversify supply. In Texas, water conservation is a way of life. Texas State University limnologist Walter Rast studies inland fresh water supplies. Rast was head of United Nations Environmental Protection (UNEP) from headquartered in Nairobi, Kenya but has also contributed to water management all over the world. He said, That s where I learned that if I was going to work with sustainable water supplies I had to get into socioeconomic concerns. Water problems are basically the same everywhere you re either dealing with quality or quantity, Rast continued. What s different is the beliefs people have about water use. Ultimately the best solution is to get all the stakeholders together (water suppliers and water users) to discuss everybody s wants and needs. That can be a challenge. You invite everybody to a big powwow and smoke the peace pipe over what s best for the collective, Rast said. From his point of view, People either embrace water conservation or die of thirst because water may be a renewable resource but it s also a limited resource. Rast advocates building an additional water reservoir in San Antonio to compensate for the scarcity and deluge characteristics of the region. As the population increases, Rast says there will be less fresh water per capita and that means we need to start conserving water now. Xeriscaping: Large beds featuring native plants and drought resistant grass such as bermuda or zoysia will keep your yard looking great with minimal watering. 22 online at TheDominionMagazine.com CommunityCircular.com

Fry Instant Word List

Fry Instant Word List First 100 Instant Words the had out than of by many first and words then water a but them been to not these called in what so who is all some oil you were her sit that we would now it when make find he

More information

Fry Instant Words High Frequency Words

Fry Instant Words High Frequency Words Fry Instant Words High Frequency Words The Fry list of 600 words are the most frequently used words for reading and writing. The words are listed in rank order. First Hundred Group 1 Group 2 Group 3 Group

More information

Rock-N-Happy Heart: The Devotional By Yancy. by Yancy

Rock-N-Happy Heart: The Devotional By Yancy. by Yancy Rock-N-Happy Heart: The Devotional By Yancy by Yancy 1 73 Day 1-Dreams Will Come True Once upon a time a long time ago, I was a little girl with a dream. I loved to sing. (My parents have told that me

More information

M A K E M E M O R I E S & F R I E N D S T H A T L A S T A L I F E T I M E. A R e s i d e n t i a l S u m m e r C a m p

M A K E M E M O R I E S & F R I E N D S T H A T L A S T A L I F E T I M E. A R e s i d e n t i a l S u m m e r C a m p M A K E M E M O R I E S & F R I E N D S T H A T L A S T A L I F E T I M E WhereYou Belong A R e s i d e n t i a l S u m m e r C a m p NOW About Wewa FOR 50 YEARS, YMCA CAMP WEWA In Apopka has been helping

More information

Financial Freedom: Three Steps to Creating and Enjoying the Wealth You Deserve

Financial Freedom: Three Steps to Creating and Enjoying the Wealth You Deserve Financial Freedom: Three Steps to Creating and Enjoying the Wealth You Deserve What does financial freedom mean to you? Does it mean freedom from having to work, yet still being able to enjoy life without

More information

God, the Great Creator

God, the Great Creator Pre-Session Warm Up God, the Great Creator (Genesis 1: 2:3) Today we re going to start a new series of lessons all about God s attributes. An attribute is a character trait or quality about someone. For

More information

I believe that bringing a little sunlight to the older adult is an opportunity and an honor we all can all be a part of. ~Doug

I believe that bringing a little sunlight to the older adult is an opportunity and an honor we all can all be a part of. ~Doug Doug Ohman 763-543-1049 www.pioneerphotography.com Artist Statement My goal as a photographer is to capture images that tell stories. Many of my photos reflect a deep sense of nostalgic emotion. I have

More information

THEME: Jesus sent the Holy Spirit to indwell and empower us.

THEME: Jesus sent the Holy Spirit to indwell and empower us. Devotion NT285 CHILDREN S DEVOTIONS FOR THE WEEK OF: LESSON TITLE: The Day of Pentecost THEME: Jesus sent the Holy Spirit to indwell and empower us. Dear Parents SCRIPTURE: Acts 2:1-41 Dear Parents, Welcome

More information

Pastor Spotlight Martha Fisher, CBC Women s Pastor

Pastor Spotlight Martha Fisher, CBC Women s Pastor Pastor Spotlight Martha Fisher, CBC Women s Pastor Inspiration Martha Fisher, Women s Pastor at Community Bible Church, leads with a passion to reach, teach and help the women of our community for Jesus.

More information

W I N T E R 2 0 0 9 $ 5. 9 5

W I N T E R 2 0 0 9 $ 5. 9 5 WINTER 2009 $5.95 getaway story by Randy Hess photos by Kenneth Boone Alabama Getaway BobandJanHarrisfind Lake Martin has lots of waysto pleasethem when is a second house not a second house? when you find

More information

Dear Expectant Mother,

Dear Expectant Mother, Dear Expectant Mother, We are Lisa and DJ and we ve been married for a very happy twelve years. Having a child is something that we have always dreamed of. Like most people, we assumed it would come naturally

More information

Empowering Your Ministry

Empowering Your Ministry Empowering Your Ministry 1 Ten Things That Will Empower Your Youth Ministry Programs 1. Have a clear vision. Spend time visioning for the highest quality program you can imagine and then create a plan

More information

Field Trip: College visit ESSENTIAL QUESTION: What is it like to be on a college campus?

Field Trip: College visit ESSENTIAL QUESTION: What is it like to be on a college campus? Field trip: Field trips can be educationally and socially engaging additions to Girls Only. Field trips must be planned ahead of time, with attention to budget, transportation needs, and other logistics.

More information

Objective: God has a Plan! Bible Memory Verse: Jeremiah 29:11 For I know the plans I have for you, declares the Lord, plans THEME OVERVIEW

Objective: God has a Plan! Bible Memory Verse: Jeremiah 29:11 For I know the plans I have for you, declares the Lord, plans THEME OVERVIEW Miraculous Catches of Fish Scripture: Luke 5:1-11; John 21:1-6 Objective: God has a Plan! Bible Memory Verse: Jeremiah 29:11 For I know the plans I have for you, declares the Lord, plans to prosper you

More information

SPONSORSHIP PACKAGES

SPONSORSHIP PACKAGES Benefitting Presented By SPONSORSHIP PACKAGES Our sponsorship packages offer an exceptional opportunity to gain exposure to fellow outstanding supporters throughout Southern California. We have developed

More information

PUSD High Frequency Word List

PUSD High Frequency Word List PUSD High Frequency Word List For Reading and Spelling Grades K-5 High Frequency or instant words are important because: 1. You can t read a sentence or a paragraph without knowing at least the most common.

More information

Life Insurance made easy

Life Insurance made easy Life Insurance made easy INTRODUCTION Your Health is your Wealth - I genuinely believe that to be true. I work in the A&E Department of a large hospital and every day I see the challenges people face in

More information

Retaining Teachers: The Principal as Motivating Factor

Retaining Teachers: The Principal as Motivating Factor Retaining Teachers: The Principal as Motivating Factor Lawrence Allen Jr. People have asked me why, in my inner-city school of twelve hundred children 80 percent of them impoverished deemed in many eyes

More information

STORIES FOR HOPE. http://www.storiesforhope.org ph: 734.678.5512 (US) / 0788260317 (RW) email: ppasick@gmail.com

STORIES FOR HOPE. http://www.storiesforhope.org ph: 734.678.5512 (US) / 0788260317 (RW) email: ppasick@gmail.com STORIES FOR HOPE ph: 734.678.5512 (US) / 0788260317 (RW) email: ppasick@gmail.com Transcript of an Audio-Recorded Conversation in Post-Conflict Rwanda Participants: Munganyinka Melaine Relation: Mother

More information

ONE DOLLAR AND EIGHTY-SEVEN CENTS.

ONE DOLLAR AND EIGHTY-SEVEN CENTS. T h e G i f t o f t h e M a g i p T h e G i f t o f t h e M a g i ONE DOLLAR AND EIGHTY-SEVEN CENTS. That was all. She had put it aside, one cent and then another and then another, in her careful buying

More information

APRIL IS NATIONAL CHILD ABUSE PREVENTION MONTH

APRIL IS NATIONAL CHILD ABUSE PREVENTION MONTH Special points of interest: In this issue: Coordinators Protect Your Catholic Community Through Prevention Too Small to Fail New Campaign launched by the Center for the Next Generation News from the Director

More information

Preliminary English Test

Preliminary English Test Preliminary English Test Placement Test Time allowed: 2 hours QUESTION PAPER DO NOT write on this paper Instructions: Please answer all questions DO NOT USE a dictionary Write all answers on the separate

More information

You re One in Seven Billion!

You re One in Seven Billion! You re One in Seven Billion! We ve all heard the expression, You re one in a million!. With the ever-growing number of people on the planet, it might be more accurate to say, You re one in seven billion!

More information

LINA AND HER NURSE. SUNDAY-SCHOOL UNI0 N, 200 MULBERRY-STREET, N. Y.

LINA AND HER NURSE. SUNDAY-SCHOOL UNI0 N, 200 MULBERRY-STREET, N. Y. LINA AND HER NURSE. SUNDAY-SCHOOL UNI0 N, 200 MULBERRY-STREET, N. Y. LINA AND HER NURSE. SUNDAY-SCHOOL UNION, 200 MULBERRY-STREET, NEW YORK. LINA AND HER NURSE. L INA lived away in that land of the East

More information

Moses. July 11-12, 2015. God has a plan for us. Exodus 2-4; Jeremiah 29:11

Moses. July 11-12, 2015. God has a plan for us. Exodus 2-4; Jeremiah 29:11 rd 3 5 July 11-12, 2015 Moses Exodus 2-4; Jeremiah 29:11 God has a plan for us. th Connect Time (20 minutes): Five minutes after the service begins, split kids into groups and begin their activity. Remember

More information

This presentation premiered at WaterSmart Innovations. watersmartinnovations.com

This presentation premiered at WaterSmart Innovations. watersmartinnovations.com This presentation premiered at watersmartinnovations.com Conservation: It is Good for Business Karen Guz Conservation Director Karen Guz San Antonio Water System Topics Why do we care if conservation is

More information

OHIO 4-H MASTER PROJECTS

OHIO 4-H MASTER PROJECTS OHIO STATE UNIVERSITY EXTENSION OHIO 4-H MASTER PROJECTS 4-H 589M Photography Master The second, fifth, and sixth images above are by 4-H member Chad House. By Chad House, Member, Franklin County, 4-H

More information

Georgia O Keeffe 1887-1986. The Beauty of Nature

Georgia O Keeffe 1887-1986. The Beauty of Nature Georgia O Keeffe 1887-1986 The Beauty of Nature Sun Prairie, Wisconsin 1887 The farm where Georgia grew up was a great place to learn about nature. Georgia wanted to touch and feel everything. She remembered

More information

Connectedness and the Emotional Bank Account

Connectedness and the Emotional Bank Account Connectedness and the Emotional Bank Account Directions This is a self-guided activity that can be completed by parents, teens or both. It contains five parts and should take about 45 minutes to complete.

More information

FAITH CAN MOVE MOUNTAINS. LET THE MOUNTAINS MOVE YOUR FAITH.

FAITH CAN MOVE MOUNTAINS. LET THE MOUNTAINS MOVE YOUR FAITH. Over 32,000 teens and adults have come closer to God, physically and spiritually, through Wilderness Trek and with your help we will keep this 37 year tradition of outdoor faith building experiences thriving.

More information

Education Programs Press Kit

Education Programs Press Kit Education Programs Press Kit Click on headings below to go directly to a specific page of the press kit. 1. Two Millionth Student Press Release 2. Education Programs Fact Sheet 3. Education by the Numbers

More information

OPPORTUNITY PROFILE FOR SENIOR HIGH YOUTH PASTOR Updated June 18, 2015

OPPORTUNITY PROFILE FOR SENIOR HIGH YOUTH PASTOR Updated June 18, 2015 OPPORTUNITY PROFILE FOR SENIOR HIGH YOUTH PASTOR Updated June 18, 2015 HISTORY 40 years ago West Shore Evangelical Free Church was formed by a small group of people committed to the truth of the gospel

More information

Sam Houston, 1793-1863: An Early Leader of Texas

Sam Houston, 1793-1863: An Early Leader of Texas 12 November 2011 voaspecialenglish.com Sam Houston, 1793-1863: An Early Leader of Texas Cavalry soldiers line up at Fort Sam Houston, Texas loc.gov (You can download an MP3 of this story at voaspecialenglish.com)

More information

RIVER HILLS CHRISTIAN CHURCH JULY 25-29. riverhillscc.com/arts-camp

RIVER HILLS CHRISTIAN CHURCH JULY 25-29. riverhillscc.com/arts-camp LET IT SHINE! RIVER HILLS CHRISTIAN CHURCH 2016 MATTHEW 5:16 JULY 25-29 riverhillscc.com/arts-camp LET IT SHINE! MATTHEW 5:16 Welcome to River Hills 2016 Arts Camp: Let it Shine! Arts Camp is designed

More information

Fry Phrases Set 1. TeacherHelpForParents.com help for all areas of your child s education

Fry Phrases Set 1. TeacherHelpForParents.com help for all areas of your child s education Set 1 The people Write it down By the water Who will make it? You and I What will they do? He called me. We had their dog. What did they say? When would you go? No way A number of people One or two How

More information

f o o l d e g i l s Discover DuPage r County Not without thy wondrous story, Illinois, Illinois, Can be writ the nation s glory, Illinois, Illinois.

f o o l d e g i l s Discover DuPage r County Not without thy wondrous story, Illinois, Illinois, Can be writ the nation s glory, Illinois, Illinois. For Girl Scout Cadettes, Seniors and Ambassadors f o Discover DuPage r County o l DP C d e r g i r l s u age ounty is a community located in our council. Try this badge to discover the area s rich history,

More information

Water is a valuable and expensive resource.

Water is a valuable and expensive resource. Conserving Water VIRGINIA SOL Science 6.5 Social studies CE.1, CE.9 Language arts 6.1, 7.1 Math 6.8, 6.10, 6.18, 7.17, 7.18 Technology C/T8.1, C/T8.4 OBJECTIVES Discuss different uses of water Discuss

More information

What does student success mean to you?

What does student success mean to you? What does student success mean to you? Student success to me means to graduate with a B average with no failing grades. Ferris is ridicules tuition rates don t affect me since I was fortunate enough to

More information

Exchange Semester at Daniels College of Business

Exchange Semester at Daniels College of Business Exchange Semester at Daniels College of Business Background I felt that going on an exchange semester as a part of my MSc degree was the right choice for me since I had not been on exchange during my undergraduate

More information

What Lawyers Don t Tell You The Realities of Record Keeping

What Lawyers Don t Tell You The Realities of Record Keeping What Lawyers Don t Tell You The Realities of Record Keeping Welcome to the Power of Attorney Podcast which is part of our Conversations that Matter Podcasts. My name is Mary Bart, Chair of Caregiving Matters.

More information

4 PARTS. Prewriting Rough Draft Peer Edit Work Sheet Final Draft

4 PARTS. Prewriting Rough Draft Peer Edit Work Sheet Final Draft PROCESS PAPER 1 4 PARTS Prewriting Rough Draft Peer Edit Work Sheet Final Draft PERSONAL NARRATIVE Tell me about a time that you helped someone. OR Tell me about a time that someone helped you. PREWRITING

More information

The NorthStar Group at Morgan Stanley. We Will Help You Chart Your Course

The NorthStar Group at Morgan Stanley. We Will Help You Chart Your Course The NorthStar Group at Morgan Stanley We Will Help You Chart Your Course 60 East South Temple Suite 2000, Salt Lake City, UT 84111 801-322-4711 / MAIN 800-453-9408 / TOLL-FREE 801-322-7695 / FAX www.ms.com/fa/thenorthstargroup/

More information

Programmes for schools at The Dorman Museum

Programmes for schools at The Dorman Museum Programmes for schools at The Dorman Museum Making a Mark programmes Where we live and grow up is an important part of our identity. Making a Mark programmes encourage students to understand more about,

More information

The 12 Step Follow Up System Finally A Follow Up System That s Simple, FUN and Most Importantly PROFITABLE!

The 12 Step Follow Up System Finally A Follow Up System That s Simple, FUN and Most Importantly PROFITABLE! The 12 Step Follow Up System Finally A Follow Up System That s Simple, FUN and Most Importantly PROFITABLE! Copyright 2013, All Rights Reserved Nancy Matthews Page 1 Congratulations! Welcome you to the

More information

News and Lifestyles of Scouts, Scouters and Friends of Troop 661

News and Lifestyles of Scouts, Scouters and Friends of Troop 661 The 661 BUGLE News and Lifestyles of Scouts, Scouters and Friends of Troop 661 SPECIAL SUMMER CAMP EDITION This issues theme: Clean Issue No. 04 JULY, 2010 WATCH FOR THESE IN FUTURE EDITIONS: Our newest

More information

Devotion NT267 CHILDREN S DEVOTIONS FOR THE WEEK OF: LESSON TITLE: The Second Coming. THEME: Jesus is coming again. SCRIPTURE: Matthew 24:27-31

Devotion NT267 CHILDREN S DEVOTIONS FOR THE WEEK OF: LESSON TITLE: The Second Coming. THEME: Jesus is coming again. SCRIPTURE: Matthew 24:27-31 Devotion NT267 CHILDREN S DEVOTIONS FOR THE WEEK OF: LESSON TITLE: The Second Coming THEME: Jesus is coming again. SCRIPTURE: Matthew 24:27-31 Dear Parents Welcome to Bible Time for Kids. Bible Time for

More information

EXPLORE THE LURIE GARDEN THIS SPRING AND SUMMER!

EXPLORE THE LURIE GARDEN THIS SPRING AND SUMMER! EXPLORE THE LURIE GARDEN THIS SPRING AND SUMMER! MILLENNIUM PARK 2013 2013 Program Schedule All events are FREE unless otherwise noted. April 4 April 18 April 20 2 PM May 2 & May 9 S 7:30 AM May 11 to

More information

Backyard Buffers. Protecting Habitat and Water Quality

Backyard Buffers. Protecting Habitat and Water Quality Backyard Buffers Protecting Habitat and Water Quality What is a buffer? A buffer (also called a riparian buffer area or zone) is the strip of natural vegetation along the bank of a stream, lake or other

More information

Food, Fiber and Natural Resource Literacy All About State Trust Lands. Colorado State Board of Land Commissioners, also known as the State Land Board.

Food, Fiber and Natural Resource Literacy All About State Trust Lands. Colorado State Board of Land Commissioners, also known as the State Land Board. Colorado Reader AG IN THE CLASSROOM HELPING THE NEXT GENERATION UNDERSTAND THEIR CONNECTION TO AGRICULTURE COLORADO FOUNDATION FOR AGRICULTURE - GROWINGYOURFUTURE.COM Millions of Acres of Land Food, Fiber

More information

FAMILY PROTECTION MADE EASY. A guide to life assurance

FAMILY PROTECTION MADE EASY. A guide to life assurance FAMILY PROTECTION MADE EASY A guide to life assurance INTRODUCTION Your Health is your Wealth - I genuinely believe that to be true. I work in the A&E Department of a large hospital and every day I see

More information

Girl Scout Workshops Registration Packet

Girl Scout Workshops Registration Packet Registration Packet How to Book To make a reservation download the Girl Scout Workshop Request Form. Submit a completed copy by fax (510) 729-7324 or by email at least 6 weeks in advance. We are unable

More information

Ordinary Moments of Grace

Ordinary Moments of Grace Ordinary Moments of Grace To everything there is a time and a season for every purpose under heaven. A time to be born and a time to die. A time to sow and a time to reap. A time to laugh and a time to

More information

Honorary Doctorate Degree Boise State University. Remarks by Bethine Church May 16, 2009

Honorary Doctorate Degree Boise State University. Remarks by Bethine Church May 16, 2009 Honorary Doctorate Degree Boise State University Remarks by Bethine Church May 16, 2009 President Bob and Kathy Kustra, faculty, students, family, and friends, although I may have difficulty standing,

More information

Temple University, Philadelphia

Temple University, Philadelphia Studying in the U.S. demands a lot of preparation. The moment I heard I got selected for Temple University I started to make arrangements. First we needed to upload a lot of documents like, bank statements,

More information

Can research inform practice?

Can research inform practice? Picture This! Engaging at risk youth in educational programs can often be challenging. Students must be motivated to stay with a program and they must have the right teacher or leader to create innovative

More information

THEME: God has a calling on the lives of every one of His children!

THEME: God has a calling on the lives of every one of His children! Devotion NT298 CHILDREN S DEVOTIONS FOR THE WEEK OF: LESSON TITLE: Paul s First Missionary Journey THEME: God has a calling on the lives of every one of His children! SCRIPTURE: Acts 12:25 13:52 Dear Parents

More information

THRIVE MOMS RETREAT. host handbook. drawing closer to the heart of God in community with one another THRIVEMOMS.COM/LOCAL

THRIVE MOMS RETREAT. host handbook. drawing closer to the heart of God in community with one another THRIVEMOMS.COM/LOCAL THRIVE MOMS RETREAT host handbook drawing closer to the heart of God in community with one another THRIVEMOMS.COM/LOCAL table of CONTENTS Welcome Letter How to Get Started Spreading the Word Social Media

More information

PUZZLING PIPES. Grade Level: 4-6

PUZZLING PIPES. Grade Level: 4-6 PUZZLING PIPES Overview: Students will learn about the various paths that water takes after it is used. They will trace the path of wastewater either through the storm drain system or the sanitary sewer

More information

Call to register! 404-267-5353.

Call to register! 404-267-5353. FOR YOUTH DEVELOPMENT FOR HEALTHY LIVING FOR SOCIAL RESPONSIBILITY I CAN... AT CAMP! Summer Day Camp 2016 ages 3-16 COWART FAMILY/ASHFORD DUNWOODY YMCA DAY CAMP OVERVIEW REGISTRATION Registration begins

More information

THEME: God desires for us to demonstrate His love!

THEME: God desires for us to demonstrate His love! Devotion NT320 CHILDREN S DEVOTIONS FOR THE WEEK OF: LESSON TITLE: The Gift of Love THEME: God desires for us to demonstrate His love! SCRIPTURE: 1 Corinthians 13:1-13 Dear Parents Welcome to Bible Time

More information

S OAPY MOVED RESTLESSLY ON HIS SEAT

S OAPY MOVED RESTLESSLY ON HIS SEAT T h e C o p a n d t h e A n t h e m p The Cop and the Anthem S OAPY MOVED RESTLESSLY ON HIS SEAT in Madison Square. There are certain signs to show that winter is coming. Birds begin to fly south. Women

More information

THE STATESMAN. A GWC Student Attends Law School. New 2005 George Wythe College Campus. Happy Holidays! From George Wythe College. On Campus Seminars:

THE STATESMAN. A GWC Student Attends Law School. New 2005 George Wythe College Campus. Happy Holidays! From George Wythe College. On Campus Seminars: THE STATESMAN Volume 8 Issue 12 December 2005 Happy Holidays! From George Wythe College On Campus Seminars: Dec 16-17 Mar 4-5 Mar 7-8 May 2-27 May 30-31 July 15-16 Roots of America How to Read a Book A

More information

Dedicated care and support for people living with dementia

Dedicated care and support for people living with dementia Helping me to live my life Dedicated care and support for people living with dementia I ve always loved being outdoors, so I was worried when I moved from my own home that I would miss my garden and not

More information

Following the Wise Men What s Your Star? Matthew 2:1-12

Following the Wise Men What s Your Star? Matthew 2:1-12 1 Natalie W. Bell January 4, 2015 Epiphany Sunday Following the Wise Men What s Your Star? Matthew 2:1-12 Has anything grabbed your attention lately? What was it? And could it be God could God be using

More information

Running a Successful Club Publicity Officer

Running a Successful Club Publicity Officer Tips for Young Farmer Leaders Running a Successful Club Publicity Officer Welcome to running Successful Clubs Tips for Leaders - a guide to help you run a strong and successful Young Farmers Club. The

More information

Another Helper (John 14:12-31)

Another Helper (John 14:12-31) 1 Another Helper (John 14:12-31) If you love me, you will keep my commands. And I will ask the father, and he will give you another helper, to be with you forever. This other helper is the spirit of truth.

More information

IN A SMALL PART OF THE CITY WEST OF

IN A SMALL PART OF THE CITY WEST OF p T h e L a s t L e a f IN A SMALL PART OF THE CITY WEST OF Washington Square, the streets have gone wild. They turn in different directions. They are broken into small pieces called places. One street

More information

WHAT S INSIDE. Financial Planning. Starting out. Young families. Established families. Empty nesters. Retirement Getting the best advice

WHAT S INSIDE. Financial Planning. Starting out. Young families. Established families. Empty nesters. Retirement Getting the best advice FINANCIAL PLANNING If you re looking for advice on financial planning, this guide explains some of the things you may need to consider. We hope you find this guide and the important pointers to each life

More information

THEME: We need to completely trust in Jesus.

THEME: We need to completely trust in Jesus. Devotion NT238 CHILDREN S DEVOTIONS FOR THE WEEK OF: LESSON TITLE: Jesus Walks on Water THEME: We need to completely trust in Jesus. SCRIPTURE: Mark 6:45-52 Dear Parents Welcome to Bible Time for Kids!

More information

Student Essays on NASA Project

Student Essays on NASA Project Student Essays on NASA Project The trip to Washington D.C. for the Quarterbacks of Life program was enlightening for various reasons; it goes without saying that being able to visit the nation's capital,

More information

What s Your One Thing?

What s Your One Thing? What s Your One Thing? Get in the game! www.ourjourneycommunity.org FALL 2012 When it comes to getting involved in a church through serving, what if everyone did ONE thing and did it well? What if we all

More information

The complete guide to becoming a mortgage advisor

The complete guide to becoming a mortgage advisor The complete guide to becoming a mortgage advisor Mortgage advisors help people with one of the biggest purchases of their lives, helping them to secure a mortage to buy or re-mortgage property. If you

More information

The ultimate email marketing content calendar

The ultimate email marketing content calendar Flexmail presents The ultimate email marketing content calendar Why you absolutely need this: A content calendar is an essential tool to plan your email marketing campaigns for the coming year. The benefit

More information

College, crippling debt and financial wisdom:

College, crippling debt and financial wisdom: College, crippling debt and financial wisdom: J. Steve Miller interview By Derek Melleby Introduction A Few years ago, I was driving a recent college graduate to lunch to celebrate his completion of college.

More information

John P. Higginbotham. Senior Vice President Wealth Management Senior Investment Management Consultant Financial Planning Specialist

John P. Higginbotham. Senior Vice President Wealth Management Senior Investment Management Consultant Financial Planning Specialist John P. Higginbotham Senior Vice President Wealth Management Senior Investment Management Consultant Financial Planning Specialist My Mission To provide comprehensive financial services through prudent

More information

Water on the Home Front

Water on the Home Front WE CARE ABOUT WATER. IT S WHAT WE DO. Water on the Home Front Grade Level: 6-12 Objective: Students will learn how an in-home water audit can help to identify the best ways to save water and money. Subjects:

More information

Introduction. Hello. We appreciate you, that you are

Introduction. Hello. We appreciate you, that you are Introduction Hello. We appreciate you, that you are Evan (L) and Chad (R), a sunny fall day on the farm considering us as prospective adoptive parents. We are Evan and Chad. We are excited to grow our

More information

COWBOY ETHICS W a Li. presented by:

COWBOY ETHICS W a Li. presented by: COWBOY ETHICS W a Li presented by: Living The Code - Training Opportunities The Code goes back to timeless principles that resonate with people from all walks of life. The cowboy represents the best of

More information

Changing the shape of British retirement. www.homewise.co.uk

Changing the shape of British retirement. www.homewise.co.uk Changing the shape of British retirement Free Phone 0800 043 33 66 About us Welcome to Homewise Like many people, you may have spent years looking forward to a dream retirement lifestyle, perhaps wanting

More information

7 Secrets To Websites That Sell. By Alex Nelson

7 Secrets To Websites That Sell. By Alex Nelson 7 Secrets To Websites That Sell By Alex Nelson Website Secret #1 Create a Direct Response Website Did you know there are two different types of websites? It s true. There are branding websites and there

More information

Fun, famous, effective fitness and weight loss. With a camp near you.

Fun, famous, effective fitness and weight loss. With a camp near you. Fun, famous, effective fitness and weight loss. With a camp near you. California Florida Texas New York North Carolina Pennsylvania Hawaii Wisconsin Vancouver UK Family Camp 1) Wellspring Texas Set in

More information

A beautiful sunny day in July; I m walking on a street in the middle of a city, being surrounded by

A beautiful sunny day in July; I m walking on a street in the middle of a city, being surrounded by A Trip to Cambridge By Iina Lahti A beautiful sunny day in July; I m walking on a street in the middle of a city, being surrounded by stunning old buildings. Colleges and churches seem to be in every corner,

More information

LEGAL & GENERAL HOME FINANCE. Guide to Lifetime Mortgages

LEGAL & GENERAL HOME FINANCE. Guide to Lifetime Mortgages LEGAL & GENERAL HOME FINANCE Guide to Lifetime Mortgages A lifetime mortgage could give you the freedom to really enjoy your retirement. We re delighted you re finding out more about lifetime mortgages.

More information

Potty Training. When are children ready to potty train?

Potty Training. When are children ready to potty train? Potty Training It can be messy! There will be accidents! Potty training is an important milestone for your child, but learning to gain control of the bowel and bladder can be a complicated process and

More information

Questions to Ask Yourself When Buying a New Home

Questions to Ask Yourself When Buying a New Home Questions to Ask Yourself When Buying a New Home When I start visiting homes, what should I be looking for the first time through? The house you ultimately choose to call home will play a major role in

More information

The 3 Biggest Mistakes Investors Make When It Comes To Selling Their Stocks

The 3 Biggest Mistakes Investors Make When It Comes To Selling Their Stocks 3 The 3 Biggest Mistakes Investors Make When It Comes To Selling Their Stocks and a simple three step solution to consistently outperform the market year after year after year. 2 Dear friend and fellow

More information

GIRL SCOUT GOLD AWARD PROJECT GUIDE

GIRL SCOUT GOLD AWARD PROJECT GUIDE GIRL SCOUT GOLD AWARD PROJECT GUIDE Girl Scout Promise On my honor, I will try: To serve God and my country, To help people at all times, And to live by the Girl Scout Law. Girl Scout law I will do my

More information

Weaving the Pieces Together

Weaving the Pieces Together Weaving the Pieces Together By Annette Unten Life is a woven tapestry. All the people and the events that enter my life become a part of the threads in my tapestry. Bright colors are woven with pastels.

More information

Childcare. Marketing Tips. 10 Must-Do Marketing Tips to Grow the Enrollment of Your Early Childhood Program

Childcare. Marketing Tips. 10 Must-Do Marketing Tips to Grow the Enrollment of Your Early Childhood Program Childcare Marketing Tips 10 Must-Do Marketing Tips to Grow the Enrollment of Your Early Childhood Program July 2012 Be Found on Your Local Map Over the past 10 or 15 years, and especially within the last

More information

County Connections. Volume 11 Issue 2 Carroll County Government http://ccgovernment.carr.org

County Connections. Volume 11 Issue 2 Carroll County Government http://ccgovernment.carr.org County Connections Volume 11 Issue 2 Carroll County Government http://ccgovernment.carr.org Carroll s Best: Carroll County s Senior Inclusion Program is One of a Kind in Maryland The Senior Inclusion Program

More information

Ms. Bonnie. I am married with 5 children between the ages of 6 & 22. Also, I m an avid volleyball, hockey, soccer & Western Aires mom.

Ms. Bonnie. I am married with 5 children between the ages of 6 & 22. Also, I m an avid volleyball, hockey, soccer & Western Aires mom. Ms. Anne I grew up in South Dakota, taught in Minnesota and Germany, then moved to Alaska where I lived for 32 years. I moved to Colorado over a year ago to be closer to my parents and siblings, who all

More information

Summer Learning Adventure Camps 2015

Summer Learning Adventure Camps 2015 Summer Learning Adventure Camps 2015 >Please enroll your child according to the grade he/she will enter in Fall 2015. >To register, please visit aquarium.ucsd.edu or call 858-534- 7336. Information for

More information

Family Engagement and Ongoing Child Assessment

Family Engagement and Ongoing Child Assessment Family Engagement and Ongoing Child Assessment The partnership between parents and Head Start staff is fundamental to children s current and future success and their readiness for school. This relationship

More information

Remarks by Emily Stover DeRocco President, The Manufacturing Institute at the Milwaukee WIRED Meeting May 20, 2010 Milwaukee, WI

Remarks by Emily Stover DeRocco President, The Manufacturing Institute at the Milwaukee WIRED Meeting May 20, 2010 Milwaukee, WI Remarks by Emily Stover DeRocco President, The Manufacturing Institute at the Milwaukee WIRED Meeting May 20, 2010 Milwaukee, WI Good morning! Thank you so much for inviting me today. It is good to be

More information

Adapted from Stone Girl Bone Girl by Laurence Anholt, Francis Lincoln Children s Book

Adapted from Stone Girl Bone Girl by Laurence Anholt, Francis Lincoln Children s Book 1. Mary Anning Adapted from Stone Girl Bone Girl by Laurence Anholt, Francis Lincoln Children s Book This is the true story of Mary Anning, who lived 200 years ago. Mary was born in 1799 and was one of

More information

Tristan D. Connor F. Gabe H. Paiton K. Annie K. 1 of 6

Tristan D. Connor F. Gabe H. Paiton K. Annie K. 1 of 6 Tristan D. This field trip was not only fun, but extremely valuable to me. While at Inkspot, I learned what employers want to see in their employees, and also the value of certain pieces of equipment.

More information

LESSON TITLE: Jesus Visits Mary and Martha THEME: Jesus wants us to spend time with \ Him. SCRIPTURE: Luke 10:38-42

LESSON TITLE: Jesus Visits Mary and Martha THEME: Jesus wants us to spend time with \ Him. SCRIPTURE: Luke 10:38-42 Devotion NT249 CHILDREN S DEVOTIONS FOR THE WEEK OF: LESSON TITLE: Jesus Visits Mary and Martha THEME: Jesus wants us to spend time with \ Him. SCRIPTURE: Luke 10:38-42 Dear Parents Welcome to Bible Time

More information

Fry s Sight Word Phrases

Fry s Sight Word Phrases The people Write it down By the water Who will make it? You and I What will they do? He called me. We had their dog. What did they say? When would you go? No way A number of people One or two How long

More information

Give em The Pickle! Business is not what we sell, it s who we

Give em The Pickle! Business is not what we sell, it s who we Give em The Pickle! Business is not what we sell, it s who we serve Presented by Mark Warren Texas Association of Counties www.county.org June, 2013 This presentation is about instilling great customer

More information

Vacation Bible School!

Vacation Bible School! Having trouble viewing this email?click here Ox Hill Children's Ministry July/August 2014 Newsletter In This Issue Vacation Bible School Ox Hill Summer Nights Upcoming Children's Events Computer Learning

More information