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With many years of professional experience and a wide range of qualifications in tax, accounting, payroll, and business consulting, our firm offers the highest level of service for individuals, corporations, partnerships, and numerous other clients.
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We offer competitive prices and a depth of expertise unrivaled by less experienced firms. By using our service, you can eliminate the wages, payroll taxes, fringe benefits, worker's compensation insurance, employee training and management, accounting software, office space and other costs associated with having an in-house bookkeeper. You can save up to 60%. To learn about our professional qualifications in greater detail, we invite you to browse the Partners and Services pages of our web site.
You're always welcome at Accubooks LLC and when you're ready to call us, remember your initial consultation is completely free.
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Bomb-sniffing dogs' Houston deaths spark lawsuit
Canines were on their way to help troops in Afghanistan
Fourteen highly trained bomb-sniffing dogs on their way to help U.S. troops in Afghanistan died a painful death in Houston last year after they missed their flight and were confined overnight in a sealed, unventilated truck, a lawsuit filed in Houston contends.
Lawyers for the dog's owners, Florida-based American K-9 Detection Services, accused Indian Creek Enterprises - doing business as Animal Port Houston - and Live Animal Transportation Services of negligence in handling the German shepherds and Belgian Malinois.
While damages sought in 281st state District Court were not specified, the plaintiff's lawyers asked for more than $1.3 million in an unsuccessful effort to settle out of court.
According to the lawsuit, the animals - Tiny, Rex, Rocky, Crock, Dork, Harrie, Stress, Sigo, Rex, Jaco, Kimbo, Kilo, Albert and Bak - were taken to the Bush Intercontinental Airport on Dec. 20. A veterinarian had certified all were in good health.
When it was not possible to ship the animals on a same-day flight, the lawsuit contends, Animal Port Houston worker Christopher Hay, who now owns Live Animal Transportation Services, said the dogs would be boarded overnight in the company's nearby kennel and warehouse, the lawsuit says.
When agents for the dogs' owners visited the shipping facility early the next morning, they found the animals inside an untended refrigerated truck. All were dead.
The lawsuit says blood was found on the truck floor and in some animal crates. At least two of the crates were damaged as if the dogs desperately had tried to escape, the filing says.
Accused of negligence
Officials with the Florida company said the dead animals' handlers had been sent to Afghanistan and were not available for comment. Animal Port Houston owner Thomas Schooler was not available for comment Wednesday. Hay said he was unaware he had been named in the lawsuit.
In the lawsuit, lawyers for American K-9 Detection Services allege the defendants are guilty of negligence, breach of contract and violation of the Texas Deceptive Trade Practices Act. The company, the lawsuit says, advertised itself as providing "safe and gentle pet and animal shipping" and a "24-hour luxury pet hotel and animal station."
The defendants, the lawsuit says, also broke U.S. Department of Agriculture regulations for the safe transport of animals.
David Sacks, spokesman for USDA's Animal and Plant Health and Inspection Service, said Indian Creek Enterprises was cited in the dog deaths for a regulation violation that directly affected animal welfare. An investigation is continuing, he said.
If found in violation of the regulations requiring speedy shipment of animals, the company could be assessed administrative fines, Sacks said.
American K-9 Detection Services trains dogs to detect explosives, narcotics, mines and human remains for the military and civilian uses, billing the animals as "security beyond human limitations."
In October, American K-9 dogs were used to provide security at a NASCAR event at the Kansas Speedway.

subset: commoncrawl


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HOME Multimedia and GraphicsVideo and Animation Tools Free Fun Morphing Download
Free Fun Morphing creates a sequence of frames which are the transformation of the source image to target image, giving the appearance that the source image "becomes" the target. Images must be true color (24 bit) and have the same size. In the program you can create lines (the same number in Source and Target) which describe the transformation. You should create line objects in the same order on boths images. There are various viewing tools for preview morphing. Features: - You can specify the number of frames in sequence. - You can create symmetric sequence. - You can save resulting movies as animated GIF, AVI and so on.
To start download the software please click here:
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Not that long ago we learned that Prey 2, one of the major highlight presentations from E3 2011, was no longer in development at Human Head Studios and had instead been transferred to Arkane Studios. This news came as a major disappointment, and reinforced earlier reports that the relationship between Human Head and parent company ZeniMax was on very rocky ground.
Now we are hearing reports that Prey 2 is not in development at Arkane, and might still be in Human Head's hands. The once promising game is still undergoing major changes; we just have no idea what they are and whether or not we will ever see them.
The latest news comes courtesy of Bethesda's Pete Hines, who when asked point blank if Arkane was working on Prey 2 responding by saying, "No." He elaborated by saying that the rumors/reports that the Dishonored developer was taking on Prey 2 were unfounded, and that Arkane is busy working on their own projects — presumably Dishonored 2.
"No. All of that stuff, I have no idea where it came from. The Human Head Prey 2 thing is the Human Head Prey 2 thing. Arkane is over here, and they're doing their thing, and that's for them to work on. We'll be ready to talk about what they're working on when it gets closer to release."
Hines then reiterated what we had been hearing for the better part of a year — that Prey 2 was not meeting Bethesda or ZeniMax's quality standards. It was likely well on its way to completion, but Hines and his team were not prepared to put out a product without guaranteeing gamers would like it. Parent company ZeniMax did renew the Prey 2 trademark, though, which suggests they still have faith that the game will hit store shelves.
Nevertheless, Prey 2 is still apparently in some sort of strange limbo state. It's unclear whether Human Head is still working on the sequel, but we now know that Arkane is not. Unfortunately, that's about all we know.
In other Bethesda news, we have also learned that Wolfenstein: The New Order, the latest entry in the popular Nazi-killing franchise, has been delayed into 2014. Pete Hines was again on hand to break the news (this time to Polygon), and said that several factors went into the decision to delay Wolfenstein.
Among the reasons cited for the delay include developer MachineGames implementation of several gameplay experiences beyond those of a traditional FPS, as well as a multiplatform release that crosses generations. With Microsoft and Sony still trying to nail down hard specs for their next-gen machines, the Xbox One and PS4 respectively, that likely posed some problems for MachineGames.
As a result, Bethesda decided it was better to push Wolfenstein: The New Order's release into next year, rather than put out an inferior product. It seems a dedication to quality products is a popular theme for Bethesda these days.
Do you think Prey 2 will ever see the light of day? How do you feel about Wolfenstein: The New Order getting pushed back?


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A pair of teenage girls admitted to setting up a fake Facebook page offering free children's clothes for mothers so they could kidnap their babies.
The girls, aged 17 and 18, tricked parents into sharing their contact details over Facebook so they could build a list of 'targets'.
The younger of the two girls even posed as a social worker to try and abduct a toddler from her mother in her home.
At Derby Youth Court, the pair admitted conspiring to kidnap babies, named by the initials, S, W and U, between September 14 and September 23 last year.
The mother of Baby U, from Normanton in Derby, contacted police when one of the girls turned up at her door posing as a social worker.
The girl asked to hold the child and then told the mother she wished to take her away for a 'medical check-up'.
Police later found the Facebook page set up by the 18-year-old, from Evesham in Worcestershire, and the 17-year-old, from Wolverhampton.
'It was very harrowing in terms of what could have happened, considering how young the babies were and the impact on the families could have been immense,' said Detective Sergeant Duncan Gouck of Derbyshire Police.
'The team of officers worked tirelessly on it and we put everything else on hold. The defendants were arrested within a week of the report.'
He added: 'This case was unique to us in its nature and seriousness. I would like to give credit to the families of the victims for their strength of character that they have shown.'
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On average, during a typical day in June, I will about half a dozen 'plant diagnostics' sheets will land on my desk. Most queries are about identification of a particular bug that is attacking a garden plant followed by recommendations on how to control them.
I find the world of bugs fascinating, and I'm not repulsed by zip lock bags full of writhing caterpillars. But some of the bug samples do arrive in some unconventional 'packaging'.
Just this past week, bugs were delivered to me in a blue surgical glove, a vodka bottle and Credit Card receipt with the bugs smashed onto the paper.
I don't mind the different 'containment' devices that gardeners use for their pest samples, although bugs that are smeared on paper are rather tough to identify!
However, live bug samples wrapped in Saran wrap or enclosed in paper have a history of occasionally escaping and wandering about my office. As I mentioned, I don't get creeped-out by bugs, but some people who pop into my office aren't big fans of these 'free range' critters.
Now, if you are curious about a particular bug or disease pest in your yard, proper identification of the critical first step.
Just remember that if you are submitting a bug sample to us through our Professional Diagnostics Service, an empty Vodka bottle makes a better vessel than does a few layers of Saran wrap…although drinking an entire bottle of Vodka to make room for a bug is NOT a good idea.
~Jim Hole


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Main Page » MS Excel Snippets » Defining Array as Global Variable
Global variable means, once you define a global variable, then you can use it many times in different modules. Defining global variable as string or as integer are easy but defining as array is a bit difficult. I have learned this point while searching about this issue through internet.
At below you may examine simple and good working solution.
Public Const SomeProvincesOfTurkiye = "Ankara, Izmir, Istanbul, Antalya, Burdur, Usak, Sivas, Eskisehir, Kastamonu" Sub WriteDown() ProvincesSample = Split(SomeProvincesOfTurkiye, ",") MsgBox ProvincesSample(6) End Sub 'Message box will show "Sivas" as a result End Sub
Please do not forget, you can call and use variable "SomeProvincesOfTurkiye" from other modules.


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Maxi skirts have become a style staple not just for hijabis it seems. I do get a lot of comments from readers asking how they can be styled, and these two photos provide some great ideas.
This cream pleated skirt would be easy enough to pair with florals and sweet pastel shades, but the striped top and black boots make it look far more chic and grown up. Since the colours are neutral, I love the idea of adding brighter accessories to the outfit so it doesn't look so match-matchy:
Image: Altamira
This beautiful red lace skirt would be perfect for a party or special occasion. Pairing it with a crisp white shirt reminds me of something you might see at Haute Hijab. Best of all though are the cobalt blue heels; it's not a combination I'd have thought to pair together, but I love it.
Image: all the pretty birds


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Kakosi Interviewed by Veg TV
Watch Andrew's interview from the Natural Foods Expo!See video
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Wednesday, 11 August 2010
What Danny did next...Part 2
Despite Cipriani's denials and his insistence that his recent training stints with Queens Park Rangers and Tottenham Hotspur have been no more than attempts to keep up his fitness, that bastion of all things good and true, The Daily Mail, insists that Cipriani could make the switch to the round ball game professionally.
This appears to be based on the fact that Danny-boy played in a reserve match for Spurs against Malaga earlier this summer and the fact that Spurs coach Tim Sherwood commented: "When he put the kit on, he didn't look like a rugby player, he looked like a footballer."
How ridiculous. On that basis Tim Payne could play prop for England. Oh, wait a minute...
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Mouse over image to zoom.
Seraphina bracelet (silver/rose gold)
Colour: Silver/rose Gold
Price £42.00
4mm sterling silver and rose gold-filled beaded bracelet with rose gold-filled focal beads and sterling silver angel wing charm. As with all our pieces, this bracelet features the signature sterling silver Bella Jane heart tag.
If looked after, gold-filled beads will offer the same strength and durability as solid gold and will last a lifetime.


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At CTM we specialise in worldwide event management and incentive travel taking care of every element of our clients' needs whatever their requirements. Our expertise covers the area of corporate hospitality, meetings and seminars through to conferences and group travel. Our key aim is to realise our customer's travel ambitions with an unprecendented mix of products and services at an affordable price.
We recognise that entrusting arrangements for any group whether it be a small meeting or large global conference is often a key decision within an organisation. Our approach is to work with our clients every step of the way, understanding that communication, safety and security are factors in the management of any group both in the UK and Overseas.
Our experience in the global security sector has helped us develop an in-depth knowledge in the management of large groups. CTM have worked on many high profile security events and can cater for any number of personnel ranging from 10 people to over 2000 personnel.
CTM source every element of the trip to include flights, hotels, and transfers. We put together the optimum worldwide corporate packages to showcase your organisation and ensure the event is a memorable success. In addition every detail in terms of hospitality can be catered for whether it be a cocktail reception or box at a sporting event we can create the itinerary to suit your needs.
Despite lowers numbers last year, the number of group business trips is predicted to rise 1.6% in 2015 and another 2.5% next year according to Capterra Event Management Software Blog.
The 2014 Business Travel News survey revealed that companies are looking to centrally consolidate their strategic meetings management (SMM) programmes in order to better track companywide spend and return on investment.


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Retail and Relaxation
The contrast is exciting . Vibrant Ashford offers a cool designer outlet and modern stores, along with a brand new town centre Travelodge and stunning Picturehouse cinema. In historic Tenterden, antiques-packed shops line streets full of traditional charm. Head for Ashford's McArthurGlen Designer Outlet, stacked high with bargain big-name brands with over 70 shops offering up to 60% off. Then feast at the food court, Pizza Express or Wagamama.
Central Ashford boasts the County Square Shopping Centre, which brings all the leading high street stores under one roof and the High Street is home to a street market three times a week.
Tenterden is another prime place to shop for the unique and antique. Independent stores sit in historic gems, specialising in local crafts, clothes, books, gifts, collectibles and antiques. Quaint cafes provide countless places to pause, while Friday brings the weekly market - in Tenterden, enjoy shopping as it used to be.
Picturesque Wye features a regular Farmers' Market. Perfectly preserved Chilham is strong on quality gifts, local produce and antiques. Attractive Charing is full of independent shops and appealing places to eat.
Perfect pamering is on offer too. Eastwell Manor, a Champneys Spa Hotel is perfect for a relaxing spa break. Ashford International Hotel offers beauty treatments along with a pool, sauna, jacuzzi and ice fountain. Luxuriate in some serious 'me-time' at the London Beach Country Hotel, Golf Club & Spa, or f you're looking for a feeling of wellbeing, Green Farm could be just the answer. A luxury boutique wellness retreat set in beautiful countryside.


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Exploring music.
Music can make us feel a whole range of emotions and can break through all kinds of barriers. It can make us laugh or cry, it can help us to sleep or wake us up. It can even help us to learn about all sorts of new things. Music is an amazing tool when used correctly.
In the Kookaburra room we have been exploring music and how it makes us feel. We started by using relaxation music at rest time to relax the children and help them sleep. Before long we were introducing music into more activities. We started with a lot of Moana and Frozen ('Let It Go' is still as popular as ever) as well as other dancing music and the children danced up a storm. For a few months they danced away, often requesting their favourite songs to sing and dance to. Since then we have introduced music from other cultures. We started with some traditional Irish music which was soon followed by Indian, German, Aboriginal and music from the Torres Strait Islands. But why stop there? The children love Waltzing Matilda, Elvis (don't we all), TNT and the Trolls soundtrack just to name of a few of the genres we have begun to explore.
I would like to take this moment to share a story with you about how music can break barriers. One afternoon the girls were all out dancing up a storm and some of the boys, who had never shown a interest in dancing before, started to look over at them, watching them dancing and slowly over a few weeks I noticed the boys coming closer and closer to where we were dancing and before I knew it they had started to join in. For the first few times the boys stayed amongst themselves, not joining the girls in dancing before one of the boys started dancing with one of the girls and before long I had all these children dancing together, not a care in the world who they were dancing with, just enjoying the fact they were dancing with their friends. It was amazing to watch music break down these barriers the boys had of dancing only being for girls to not only join in but now days they are normally the first up for a dance party.
Music is amazing and helps break so many barriers but it can also help start bonds, give a common ground and what more could you ask for then that? It has been amazing to watch the children grow, break through barriers and build bonds with other people using such a simple tool. I honestly can't wait to see what more music has to teach us about ourselves and about the people around us.
Brooke Lovell
Karana Early Education Centre


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Verizon Customer Growth Slows, iPhone Helps Boost AT&T
Verizon added 997,000 wireless customers during the third quarter, but despite the presence of some high-profile Android devices in its lineup, that was not enough to beat AT&T, which with the help of Apple's iPhone added 2.6 million new subscribers during the same period.
Verizon still has a small lead over AT&T in terms of total wireless subscriber numbers 93.2 million for Verizon compared to AT&T's 92.8 million.
For the third quarter, Verizon on Friday reported revenue of $26.5 billion, down 2.9 percent from the same time period last year. Profit was also down, from $1.18 billion in the third quarter of 2009 to $881 million this quarter.
AT&T, which announced its earnings Thursday, reported revenue of $31.6 billion, a 2.8 percent increase from last year, and a $12.3 billion profit, up from $3.2 billion last year.
AT&T added 2.6 million wireless subscribers this quarter, which the company said was its highest third-quarter gain in company history. This comes after the June launch of the iPhone 4, which AT&T carries exclusively in the U.S. AT&T activated 5.2 million iPhones in the third quarter, 24 percent of which were for new customers. That's a 62 percent increase from the 3.2 million iPhones activated in the second quarter of 2010, AT&T said.
All of this could change dramatically if Verizon finally gets the iPhone. That has thus far been a pipe dream for Verizon customers, but rumors about a Verizon iPhone in early 2011 have ramped up lately with talk of a CDMA iPhone. Verizon also recently announced that it will start selling the Apple iPad at its retail stores starting Oct. 28, and start offering the Samsung Galaxy Tab on Nov. 11.
A September report said that a Verizon iPhone could attract 1.4 million AT&T users to Verizon.
On the FiOS side, meanwhile, Verizon said it added 226,000 FiOS Internet and 204,000 FiOS TV customers for a total of 3.9 million FiOS Internet and 3.3 million FiOS TV customers. At this point, FiOS Internet is available to 31 percent of Verizon customers, or 12.5 million homes; FiOS TV is similar at 27.2 percent or 12.1 million.
AT&T's U-verse TV, meanwhile, added 236,000 customers to reach 2.7 million.


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The First Prophet by Kay Hooper | The Song of Achilles by Madeline Miller
Not too bad, if I may say so myself. I did try my best to resist the bookstores this week, but I just can't help it. I decided to pop my Kay Hooper cherry with The First Prophet. I heard her writing and stories are sort of in the same vein as Sandra Brown's books, so definitely looking forward to reading this one. Let's hope it's not a series!
Have you guys seen The Song of Achilles around? Or even heard of it? Well, let me give you a little hint: son of a demigod, fierce, seemingly indestructible warrior Achilles in a sort of, kind of boy romance. Be still my heart. But I heard it doesn't end well. *sobs* Who cares? It's freaking Achilles! I can't wait to devour this.
Unfortunately, my TBR has taken a beating this past week. Don't get me wrong, I still managed to read 3 books, but they are all Sandra Brown's books and none of which were on my planned reads. So once again, I've deviated from my schedule. Gah. That woman needs to leave me alone. For realskis.
That's it for me. I hope you had a fantastic weekend.


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Kit Kats are produced by Hershey in the US, but they are made by Nestlé everywhere else, often in unusual flavors. more...
November 20 , 1945 : The Nuremberg Trials began. more...
Learn something new every day
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Papaver is a genus of flower known better as the poppy. A natural in temperate climates, the poppy has been popular for thousands of years. The size can range from dwarf to large, and the flowers can be any number of bright colors. In the past, the poppy was used as medicine after extracting the morphine in its sap. Poppy seeds and oil are used occasionally in cooking. The flowers do best in sunny, mild locations and make a great addition to bouquets.
Papaver is a genus of more than 80 species of annual flowers commonly called poppies. The plant is native to warm climates across Europe, North America, and Africa. The flowers have been around for centuries; drawings of the poppy have been found in ruins from Egyptian times.
The high number of varieties means that the plant's size can range from 10 inches (25.4 cm) to 2 feet (0.6 m) tall. The flowers commonly have four to six petals forming a bowl-shaped bloom. The poppy comes in an array of colors from red and pink to lilac and bicolored.
The genus Papaver has a history of medicinal use. While some varieties are toxic, the Papaver somniferum, or opium poppy, produces a sap that contains morphine and codeine. The seeds of this variety are often used in cooking, but even too much poppy seed bread could result in a positive screening for drugs. Owing to the plant's sleep-inducing power, cultivating it in large numbers in illegal in some countries.
For the best results, Papaver should be planted in an area with good drainage and full sun. Gardeners suggest planting the flower in autumn or very early spring. Not all poppies will flourish in the same location. For example, the variety Oregon rainbows will not bloom anywhere but Oregon and Washington in the Pacific Northwest. In general, poppies will not hold up in a hot climate, dying within a single summer.
The poppy is a popular flower in arrangements. The Papaver nudicaule is a variety known as the Icelandic poppy. This flower can last multiple days with other cut flowers, provided that the stem is seared shut. This is necessary because all parts of the plant are toxic.
One of our editors will review your suggestion and make changes if warranted. Note that depending on the number of suggestions we receive, this can take anywhere from a few hours to a few days. Thank you for helping to improve wiseGEEK!


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Typhoon-y Taiwan
After weeks of planning and counting down, I finally made the trip to Taiwan in mid-September. After a rough August at work, this break was so needed and so well deserved. Though my visit fell during the biggest super-typhoon of the year, I still had a kick ass time, and made it to almost all of my top destinations.
A friend of mine, and a guy who I had sort of been seeing off and on in Seoul also just so happened to be in Taipei at the time. After hanging out solo for most of the day, I met up with him and his friend (rather, ran into them) on Elephant Mountain. After 10 minutes of his constant bitching about bug bites, I was over it. He wanted to know what I was up to for the rest of the day, so I told him about the temples I planned to visit. His exact words were, "Well, that sounds kind of boring… I don't want to do that… But I don't know what else we'll do, so we'll just come with you."
In my head, I'm thinking, damn… I do NOT want to spend the rest of the day in this beautiful (albeit rainy) country with this whiney human. I very strategically pulled out my map while we were on the subway and said, "Heyyyy, you guys should totally go check out the Memorial… You'll reallyyyy like it. I went earlier, so I'm going to go on to the temple... Oh! Here's your stop. Have fun – byeeeee!"
Meryl Streep, look out… because I truly deserve a Golden Globe for this performance. It was so well done that they didn't even realize I was shaking them off. I gave them a smile, waved, and, as the train doors closed behind them, I breathed a sigh of relief in honor of my solitude. We tried to hang out again the next night, which resulted in us having a big argument on the streets of Taipei, me walking back to my hostel by myself in the middle of the night, and him sleeping with a random girl he met at the club.
He was a total shit head for the entirety of the time we were talking to each other… and I should have realized it sooner, but his accent made it easy to forgive his rude comments and damn near constant complaining. You really do learn whether or not you vibe with a person when you travel with them.
If a super-typhoon couldn't ruin my trip, you'd better believe I wasn't going to let a (for lack of a better word) fuckboy ruin it either. Taiwan was so dope and I loved every minute of wandering around solo in the pouring rain. My hostel was cheap, clean, trendy, and the staff was so friendly. My last night, I stayed at a fancier hotel close to the airport where I treated myself to a bubble bath, room service, and jumped on the extremely comfy bed in a bathrobe. Of all the places I visited in my few days there, my top three favorite spots were Bitou Cape, Ximending Cinema Street, and Elephant Mountain. Read more about where I stayed, what I did, and how I struggled with Mandarin here.
Shortly after I returned to work, I was dealt a seriously blow to the chest. I was told that my favorite student, Sabina… aka Tomato… would be leaving our school. If you know anything at all about my kindy class, you likely know all about her, and how she's the cutest, spunkiest five-year-old I have ever met. We have the same birthday, and for all of these reasons, she's both my favorite, and a huge part of the reason I resigned my teaching contract.
Though she showed no signs of it at school, she apparently was extremely unhappy. Her parents said she cried at home every night because of the amount of homework she had. For the record, this "homework," was never assigned by me, and I think it is absolutely ridiculous that a poor kindergartener goes home at night stressed to the point of tears. On top of the work load, due to road construction, she also had an hour long bus ride every evening… so, at five-years-old, Sabina was going to school and beginning classes at 9:40 in the morning and not getting home until after 6:00 in the evening.
I know that kids move, teachers leave, and life goes on for all parties involved, and I especially understood given Sabina's circumstances… but I'll tell you what, all of the waterproof mascara in the world could not have prepared me for Sabina's last day. To make matters worse, I didn't find out it was her last day until it WAS her last day. I cancelled classes, took the kids outside, and we played for the rest of the afternoon.
In my break period, with teary eyes, I sat at my desk and wrote a letter to her parents. I told them how proud I was of her, how far she had come, and how they should be very proud, too. I asked them to please keep me updated on her progress, gave them my contact info, and let them know that I would always be willing to nanny, tutor, or babysit for free.
The following week I received a message from Sabina's mom. I have never had a direct line of communication with my students' parents before. With the language barrier that's typically left to the Korean co-teacher, so this was extremely rare. Her message said, "Miss Kirstie, you have changed our minds. I'm truly moved. At home, parents take care of kids, but at school they totally rely on their teachers. Having a good teacher like you is lucky for Sabina and I. On Tuesday, say, "Hello tomato," to Sabina as always."
So the next week, Sabina came back. Basically, the week was one hell of an emotional rollercoaster. I cannot begin to explain how sad I was to see her go, or how excited I was to hear that her parents had decided against switching schools. Mostly, I was really happy that what I was doing was finally actually making a difference.
Sadly, the emotional roller coaster did not end there. Sabina ended up leaving Beethoven class for good in October, which, though it left me devastated, I totally understood. At the end of the day, all I want for Sabina is the same thing I want for all of my students in my kindy class – for them to be happy (and to stop gluing their hands together and coloring their faces). I still keep in touch with her mom and get adorable pictures like this one!
Like I mentioned, with October came another Tomato related blow. This time I was told she was "on vacation," which I've realized is what they say about every kid who's actually leaving or has already left. Eventually, one day her mom sent me a message saying Sabina wouldn't be coming back. Every morning, when I did feelings with Beethoven class, all of the kids pointed out that, "Sabina is absent today." They didn't, and, even though we have a new 12th student, still don't know she's gone. I miss that kid a hell of a lot, and our class just isn't the same without her.
Glamping Getaway
Between the tomato shaped hole in Beethoven class and my Taiwan blow-up with Mr. Mosquito Bite, I was feeling pretty down and out when October began. I needed a girl's weekend and I needed it fast. Thankfully, that's just how we started the month. A couple girlfriends and I loaded up our backpacks with cheese balls, champagne, and face masks, and headed to Banu Glamping site for a weekend away from the city. Aside from the sound of me popping open bottles of champagne at the crack of dawn, it was really relaxing. Give me a barefoot walk in the grass, some fresh air, a mimosa filled mug and I'm totally in my happy place. Read all about our trip (and other quirky Seoul escapes) here.
Getting Back on the Horse... Then Promptly getting off it
The following week, I decided to stop being down about Mr. Mosquito Bite and got back on the proverbial dating horse. I re-downloaded Tinder, and, after swiping left so many times my finger nearly fell off, I managed to match with a few promising, seemingly charming, fellas. One in particular stuck out to me. True to form, the one I had most interest in was the one who was only in town for the week (of course).
We made tentative plans to grab drinks throughout the week, but I was both battling a cold and unsure about meeting him. Mr. Mosquito Bite, and his laundry list of things wrong with me, had left me feeling rather crushed, and I wasn't sure I was ready to let that happen again. However, Mr. October was persistent, and FaceTimed me one night that week.
Since I was about to go to bed, and refused to get up to turn the light on, my video was totally dark. The fact that he didn't complain about my laziness, (and that the call proved he was as attractive and charming as in his photos and messages), made me finally decide that, perhaps all men weren't evil. I decided to meet him that Friday night, and, after work, attempted to make myself look like an attractive human.
The evening was filled with more chicken and beer than either of us could actually consume, soju-ice cups at Dongdaemun Design Plaza, and an epically perfect first kiss beside a weird chair-butt statue. When it started to rain he gave me his jacket, and we went back to his hotel to finish our soju, (which at that point we probably didn't need any more of).
Considering it was our first time meeting in person, there was no uncomfortable hello, no painfully awkward silences, and, the next morning at breakfast, I enjoyed his company just as much as I had the night before. I couldn't help but to feel a little bummed as he checked out of the hotel that morning, and really regretted not meeting him earlier in the week. Ya see, Mr. October is a tour manager for a group (who apparently sings one of my favorite gym pump up songs). They played a music festival in Seoul, and were leaving that morning to head to Japan – the next stop on their tour.
We had made jokes all week about me joining them in Osaka for the weekend… but at the time I really hadn't really anticipated enjoying his company enough to hop on a plane for more of it. When I got home that day, it was already Saturday afternoon… and after very little deliberation, I entered serious auto-pilot, YOLO mode. I packed my backpack, looked up flights, got my Monday morning classes covered, and finalized my booking on the way to the airport... So for the second time in 2016, a Tinder matchup was taking me on an international date... Lol.
At around midnight, I arrived in Osaka where I, without a working phone, caught a bus and then somehow (without getting lost) walked to the Ritz Carlton. I am still SO impressed with my ability to hit the ground and navigate in totally foreign cities… because it took me most of my life to figure out how to get from Pleasant Garden to Greensboro. I was always reading a book in the car, and so I literally never paid attention to where we were going. Anyway, back to my story… I rolled in to the fanciest place I have ever stepped foot in with my backpack and a hoodie on. Looking highly disheveled, and totally out of place, I asked to link up to their Wi-Fi so I could get in touch with Mr. October to tell him I was there.
As you should be at that time of night, he had accidentally fallen asleep… but I'll tell ya what, in the five-ish minutes I waited before he came downstairs, I seriously questioned my decision to go all the way there. In my head I was thinking, "WHAT IF THIS IS ALL A JOKE, AND I CAME ALL THE WAY TO JAPAN AND HE'S GONNA BLOW ME OFF?" …But then he came downstairs, asked if I was hungry, and I stopped my crazy girl musings.
While he worked the next morning, I went out to explore Osaka, and then, that afternoon, we all headed to the venue. I was so wrapped up in living in the moment that weekend that I barely had my camera out to record anything, but believe me when I say that as we drove over the bridge from Osaka to Kansai, I witnessed one of the most beautiful sunsets I have ever seen in my life. One of the singers made some ridiculous noises while warming up his voice in the van, and I wanted to laugh but somehow held it in when I noticed no one else was phased.
When we got to the festival we were given drinks, and the girlfriend of one of the brothers in the group took me under her wing while Mr. October got to work. We sipped champagne, talked about life, travels, and Mr. October, then, when it was show time, watched the performance from backstage. I was genuinely surprised by how down to earth this girl was. Despite dating a celebrity, she was so hardworking and totally had her own stuff going for her… And she wasn't the only one. Everyone I met that weekend was SO grounded. It was inspiring to be around such hardworking, motivated, and successful people, Mr. October included.
The trip was brief, but epic, and, as with all of my trips to Japan, involved me stuffing my face with sushi. Way too early that Monday morning, I headed back to the airport, back to Korea, and back to work.
I realized a couple important things that weekend… one being that no tinder date in the past, present, or future of tinder dates could ever top this one (and, so I promptly deleted the app… cause ya gotta end on a high note). I also realized that if you want cool things to happen, you have to get the hell out of the house and start living. Given that I'd never been to a music festival (until Ultra a few months earlier), I never thought in a million years that I would end up backstage at a music festival in Japan of all places. When you open yourself up to new people and experiences, (and booking impromptu flights), life has a pretty cool way of making awesome stuff happen.
Another thing I learned that weekend is that I do in-fact have a type… and that my type is the go-getter – guys who are so focused and hardworking that they honestly don't really have time for me. It's taken me ages to realize this, but, from major league baseball players to guys climbing the corporate ladder, literally every guy I have EVER been in to for an extended period of time has been this way… and I'm alright with that… because even though, at times, I may think I want a relationship, I have absolutely zero time for one right now.
Mr. October was, and is, one hell of an awesome guy, and I have so much respect for his kind heart and work ethic. Our first kiss was on an odd butt-statue-chair in Seoul, and our last was at the Ritz Carlton in Osaka... So, as much as I'd love to see him again, I'm pretty satisfied with the epic story we created in our short time together.
Our timing was shit, but I'm thankful that he reminded I deserve much more than a fuckboy who complains about mosquito bites… and also for unintentionally making me get my ass in gear as far as chasing my dreams is concerned. I realized that, yes, I have a type… and yes, I want to be with a successful guy… but just like badass band girlfriend who took me under her wing, I want to have my own things going for me, too. With Tinder deleted and Mr. October no longer in Korea, I stopped worrying about boys altogether.
Halloween on the han
October got cold, just in time for Halloween when a few coworkers and I went on a booze cruise on the Han River. I really love Halloween now that people have stopped wearing store bought costumes and started getting creative. Stephanie and I dressed as a strawberry and pineapple wearing boxing gloves. Get it?! - Fruit punch! I thought my costume was wildly original, but, somehow, there were THREE other pineapples on the boat that night. None of them had boxing gloves, so, in my totally biased opinion, I think my costume was better. All in all, it was a great night and a pretty kick ass month.
Only two more months left in the 2016 recap! – Catch up on the shenanigans from January to August below and stay tuned to read about how I ended the year!


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Below you will find the answers to some of the more common questions we get asked. If you don't find what you're looking for here please contact us and we'll be happy to answer any questions you may have.
The cost of a website varies, depending upon the type of site you require.
The short answer: Our prices depend on so many factors, it's impossible to say in one sentence. Avoid any Web Design Company who can answer this question without a long talk.
The long answer: To get a better idea of the cost of what you want to build, give us a quick phone call. We'll ask you a few questions about the nature of the site, what sort of interactivity the site will have, your graphic design needs, etc. Then we'll be able to give you a ballpark figure. If you're still interested, we'll be happy to develop a comprehensive proposal that outlines the scope, process and costs.
If you would like to use our services all you need to do is inform us of the domain name you would like to use and send us a brief idea of your requirements. You can check domain name availability click here. We will then order the domain in your name, order the Best hosting package for your project and then based on your guidance, design an Home page for you.
This is then refined/changed in consultation with the client until a satisfactory design has been reached. We will then need you to forward content and images for your site and start to design Inner pages for you.
It varies from website to website based on the requirement. In the initial consultation, we will provide you the timeline estimates for your project.
If you have the content for your site written before the design process begins, it will help in completing the project quickly. Content should be in electronic format. Not having your copy completed before the design process can significantly delay the completion of your website.
We started our business in 2008, after each having strong and successful carrers in Web Design,Mobile apps Development,graphic design and Digital Marketing. We believe that our strong portfolio and our solid reputation for producing quality work on time and on budget are our best sales tools. We provide a list of references with each proposal.
Yes. Every site we have built since 2012 has been mobile-friendly. The method we use to achieve this is known as responsive design, which ensures that the site works well on a wide variety of screen sizes, from smartphones, iphones and tablets through to small and large desktop monitors.
Once you place the web design order, customer service representative will be in touch you. Project Manager for your project also will also work with you closely. Account executive will be in contact with you all the time. You Can Track Your Work Status from this Link.
If Your order Dynamic site package you will get admin panel .Using admin panel you can update all your contents and images .
A static website is one that is written in HTML only. Each page is a separate document and there is no database that it draws on. What this means functionally is that the only way to edit the site is to go into each page and edit the HTML - so you'd either have to do it yourself using a web page editor or we can edit the site each time you wanted something changed.
A dynamic website is written using more complex code and can do a lot more. For instance, we can make an area where you can log in and change various parts of the website, such as adding information or products or changing existing products. eCommerce websites,news websites are some examples of dynamic websites. This is because each page is constructed based on the information in a database, and the information in that database can be changed via another interface.
Dynamic websites can reduce ongoing maintenance costs if you don't want to change things yourself with a web page editor or with the HTML. They usually cost more to develop, as they require more complex coding and a content management utility needs to be developed to help you manage your website information.
Another benefit of dynamic websites is that they allow you to change only the content of the website and not the design, so you will not be able to accidentally break the visual style of the website. They have other benefits when websites start to get very large, as they make data management much more efficient and your website more expandable.
Many clients do a combination, having some dynamic areas such as a product catalogue where they have to change information or pictures regularly, and leave other pages such as contact information as static pages.
We Required 50% of your estimated total as a deposit prior to beginning work. another 50% of amount after completion of work. We accept cash,check, online transfer to our bank account (NIFT,RTGS,IMTS) and all popular credit cards including Visa, Mastercard, western union, and PayPal as well.
Absolutely! we can study your current website, analyse it, discuss your goals, and redesign your website according to your requests.
No,it is not required to host with us. Typically we recommend that our clients host with us because we have standardized our servers to handle all of the services that may be needed for the project deployment. Majority of our clients do host with us and very few choose to keep their existing hosting companies. We will work with you on any scenario.
After the completion of a website project we are available for after sales service. Any slight tweaks or amendments are carried out to the site free of charge in the first year. Any support thereafter will be charged as per our AMC packages .
If you are interested in a custom website design or have any other questions, please ask us for a quick no obligation Contact Us.
Website hosting,email hosting and the domain registration renewals are the minimum annual costs for any website. If it is a e-commerce website which accepts data via secure forms, you need to renew SSL certificate on yearly basis, unless you purchase it for multiple years. If your website is very popular and exceeds the allocated bandwidth, there may be additional bandwidth fee.
Some website owners prefer to market their site more proactively, make regular updates, send email newsletters etc. Ongoing costs depend on exactly how you wish to use your website.
When ColourMoon submits your website to the various search engines, please make sure that you keep in mind that there are hundreds of thousands of submissions being sent every day from around the world.
Due to competition amongst companies and within these search engines, it could take any where from two weeks to six months for your site to be well "indexed" by the search engines. A general website submission does not necessarily guarantee that you will be at the top or even on the first several pages.
In the majority of cases a meeting isn't necessary and 70% of our sites are generally completed with contact via email and telephone only.
All web pages should be 'optimised'. This will enable your site to gain a high search engine ranking, it revolves around the meta tags on your web pages, a web page that isn't optimised won't appear in the search engines to any great degree. For more on SEO Services.


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With autumn around the corner, many women are watching summer styles fade and fall trends start to hit stores. But knit sweaters and boots won't be on our radar for at least a couple months. Fortunately, celebrity stylist Rachael Russell has a few tips to keep your wardrobe Magic City-ready as fall hits stores.
A Miami girl born and raised, Russell has styled everyone from Jersey Shore'sJWOWW to the infamous Lindsay Lohan. In between dressing Hollywood's finest for magazine cover shoots and movie sets, she focuses on her charity, Style Saves, that raised over $20,000 in its first year. Just last month, Style Saves gave a new wardrobe to more than 50 of Miami's neediest children.
Russell lets us inside her wardrobe to tell ladies of the Magic City what items should always bee in their closets -- and where to find them.


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I've been MIA. I've broken my promise to upload a new blog post every Friday, I hardly ever update twitter/IG/FB and I haven't even announced the winner for my latest giveaway – I just cannot seem to find the time.
Right now, I wish that I never chose to do my Postgrad. It has honestly been my most daunting, challenging and stressful year yet. I have no time whatsoever, I hardly ever leave the house and my social life is non-existent. I'm basically one of those people who wake up every morning and think about the sections that I have to study for the day – Yip, I'm definitely the lamest lame'o.
My study timetable is filled to the max. I just manage to fit in time for the necessities. And I consider myself extremely lucky if I get to watch a bit of TV for the day. It really isn't a great time in my life. And on top of studying, I have an insane amount of products that I've received for review and feature purposes, all of which I'm pretty sure I'm not going to be able to get through before the beginning of my exams. Things are just crazy. Ridiculous crazy.
If it were up to me, I'd actually just be a full-time blogger (with a degree and a postgrad in Bcom Acc), chilling at home, doing reviews and planning and shooting OOTD posts. That is the life I would choose, if I could. But for now, I've just got to focus on exams, after which I get to enjoy the full-time blogging lifestyle before setting off into another year of what will seem like a repeat of 2014's stress and drama – uhh.
So, I'm asking you guys to just bear with me. It's only another 5'ish weeks of me being a hermit, after which I will return to be a very diligent and constantly-updating-social-media type of blogger. And I've got a ton, perhaps more than a ton, of great ideas for my darling GITGH once I'm back. Each time I take a study break, I think of a new idea for the blog. So lots of studying=lots of breaks =lots of ideas. Now I wish I were studying math😔
Hopefully, I shall post again very, very soon. But no promises! Keep me in your duas (prayers) you guys, I defo need it.


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If you want to redirect user to a different page or website from your code behind file, You can use Response.Redirect method which simply sends a message down to the browser, telling it to move to another page.
You can also use Server.Transfer to conserves server resources because it simply changes the "focus" on the Web server and transfers the request to another page without telling anything to the browser. This means you don't get quite as many HTTP requests coming through, which therefore eases the pressure on your Web server and makes your applications run faster./p>
Keep in mind that there are few drawbacks when you are using this technique. First, this method only works with your own website pages, and you cannot redirect user to external website such as www.yahoo.com. Second, this technique doesn't change the browser URL which can confuse users or can cause problems if user bookmark your page.


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We've had a tremendous response to this Ignite! We have 477 people registered to attend (so far), we were featured in the Oregonian, and we have a great presentation line up!
However, it isn't too late to attend. You can still RSVP on Upcoming.
The Details:
Tuesday, February 5, 2008
Bagdad Theater and Pub 3702 S.E. Hawthorne Blvd., Portland, Oregon 97214
What is Ignite Portland? A bunch of fast-paced, interesting presentations – 20 slides for 15 seconds each. Our mantra is "share burning ideas" – just about any topic will do, as long as it's interesting. From tech to crafts to business to just plain fun! There will be time to network and chat after each series of presentations.


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What to do when someone dies
When someone dies, unless they do not own their home and leave only extremely modest savings or possessions, there are legal processes that must be carried out to deal with their assets (administration).
This procedure varies according to the value of all they have left, and whether or not they had a valid Will.
Somebody has to deal with all their assets, including their bank accounts, savings and property (known as their Estate).
This involves establishing the exact date of death values, completing a tax return and, if necessary, paying death duties (inheritance tax), liabilities and debts and distributing the remainder to those who are entitled to it.
Unless and until everything has been completed correctly, no assets held in the sole name of the deceased can be released to those entitled.
If any assets are incorrectly distributed, the person dealing with the administration of the Estate could also find themselves personally liable to any people who receive less than that to which they are entitled.
In order to release the assets of the deceased, to collect in money and to transfer or dispose of property, a grant of representation will need to be issued by making an application to the Court.
If there is a valid Will and the deceased has appointed an Executor to deal with these matters, the Court will issue a Grant of Probate.
If there is a valid Will, but no named Executors who are able or willing to act, the grant is called Letters of Administration with the Will annexed. You should contact us or other specialist solicitors so that we can explain who should be dealing with the administration.
If there is no valid Will, then the grant is called Letters of Administration and again you should contact us for advice.
The procedure which has to be followed to obtain a grant from the Court is often a lot more complex than people realise, requiring strict legal rules to be followed.
The Executors or those responsible for dealing with the administration (the Personal Representatives or PRs) would be best advised to seek our guidance, or that of other solicitors specialising in this area of law, before doing anything.
The Personal Representatives are legally responsible for all their actions in relation to the estate of the deceased and also their omissions.
They could easily find themselves facing a large personal fine from H.M. Revenue & Customs if the Revenue is not satisfied, even though the PR may have been unaware or ignorant of any problem or mistake.
We specialise in this area of law.
The person handling your matter deals with everything personally and you can speak to them at any time, rather than to an anonymous probate team.
Unlike some banks and other high street names, we do not sub-contract our clients' matters to anonymous third parties.
In addition, we are able to deal with all matters relating to the Estate. Some aspects relating to an administration can legally only be dealt with by solicitors.
If you have recently lost someone, and are unsure what to do, simply telephone us.
We are happy to spend time on the telephone giving you general guidance, explaining what must be done first and advising whether a meeting might be beneficial for you. There is no charge for this telephone advice.
If you feel a meeting would be a good idea, we can arrange a convenient time to meet and to go through the Will and paperwork of the deceased with you.
We offer specific advice as to what will need to be done and in what order.
We shall also advise whether we feel the administration would be better handled by professionals or whether a competent person with sufficient time could deal with it themselves.
We will also let you know the likely cost of our dealing with the administration if instructed.
If, as a result of the meeting you would like us to deal with the administration on your behalf, we should be pleased to act.
If not, you are welcome to use the advice given if you prefer to deal with the matter yourself. We are often able to offer this meeting and the advice given without charge; if the deceased's circumstances are more complex, you will simply pay a modest fee (explained to you in advance and confirmed in writing) for the time and advice given at the meeting.
Alternatively, if you feel that you can deal with most of the administration yourself, but would like us to deal with the legal aspects of obtaining the grant on your behalf, we shall explain what is needed to enable us to complete the inheritance tax return and to draw up the Oath for you to swear.
This initial meeting is extremely important, as there may be some implications that may have not been considered by the family, believing everything to be straightforward.
For example, if the deceased had been married and is the first of the couple to die, most of the assets may be held jointly with the surviving spouse.
If so, this would normally simplify the administration and often the surviving spouse (or the PRs) would be able to deal with some, or even all, of the administration without professional assistance.
However, at the initial meeting we would be able to consider the bigger picture – that is, the combined estates of the deceased and the surviving spouse – and would be able where applicable to advise regarding future potential issues such as care fees or an inheritance tax liability on the eventual death of the surviving spouse.
By considering these and other matters at this time, there may prove to be an advantage in taking steps to re-organise the estates to mitigate a future inheritance tax liability or address other family situations.
If no consideration is given to the overall situation until the surviving spouse dies, it is generally too late to avoid such problems, which may prove very expensive.


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|Dracula radiosa
Dracula radiosa is an epiphytic orchid in the genus Dracula.
Plant blooms from winter to summer with a single 3 cm wide successive flower.
The plant was first collected by Gustav Wallis in 1873. Samples of living plants were sent to Veitch's nursery in England they were first flowered by Reichenbach.
Plants are found growing in the cloud forest of Antioquia to Cauca, Colombia and northwestern Ecuador at elevations of 1600 to 2400 meter
Keep plant in partial shade. Plant can be grown in cool to intermediate conditions. Pot the plant in fine bark with perlite or sphagnum moss. Water regularly and keep potting media moist.
Common Names: The Radiating Dracula
- Dracula medellinensis (Kraenzl.) Luer 1978
- Masdevallia medellinensis Kraenzl. 1921
- *Masdevallia radiosa Rchb.f. 1877
- Hermans, Johan & Clare. Orchid Digest special publication: An Annotation Checklist on the Genus Dracula. Orchid Digest Corp., 1997.
Community content is available under CC-BY-SA unless otherwise noted.


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LSAMP Alumni
In order for us to keep up-to-date with the growing number of accomplishments of our LSAMP alumni, we encourage all former UM LSAMP participants to fill out the alumni registration form.
UM LSAMP alumni are former UM undergraduate and graduate students that have participated in:
- LSAMP Scholarship Program
- Bridge Program for Scientists and Engineers
- Math Bridge Program
- STEM Mentoring Program
- LSAMP Undergraduate Research Program
- Bridge to the Doctorate Fellowship Program
- Student Organizations: Black Engineers Society (BES), Society of Hispanic Professional Engineers (SHPE), and Student Community for Outreach, Retention and Excellence (SCORE)
Alumni Spotlights
Mr. Reginald Covington received his Bachelors of Science degree in Mathematics and Economics in May 2006. He is currently pursuing a Ph.D. in Economics at Cornell University. Reginald's future goals include successfully completing his doctoral studies and becoming a professor at the University of Maryland. Reginald was an active participant in the LSAMP Scholarship Program.
LSAMP Value: "Involvement in the LSAMP program impacted my experience in a number of ways. Because of my involvement, I was introduced to highly motivated and competitive minority students in the college, which motivated me to perform better."
Roshe' Copeland graduated cum laude in 2007 with a Bachelor's degree in Civil Engineering. She is currently employed with HDR Engineering, Inc. While at the University of Maryland, she participated in the Bridge Program for Scientists and Engineers, the LSAMP Scholarship Program, and the Undergraduate Research Program. During the 2006-07 academic year, she served as the President of the Black Engineers Society, the UM chapter of the National Society of Black Engineers.
LSAMP value: "I believe the LSAMP program is effective in promoting different opportunities for students. The program allows students to understand how they can advance their educational experience and set new goals. The LSAMP program also prepares students by providing them with the skills and tools to achieve different goals in higher education."
Mr. Brian Hayes received his Bachelors of Science degree in Computer Engineering in December 2007. He is currently attending the Georgia Institute of Technology for graduate studies. During his undergrad years, Brian was an active participant in the UM LSAMP Program. Brian participated in the Bridge Program for Scientists and Engineers, the LSAMP Scholarship Program and the Undergraduate Research Program. Brian also served as an undergraduate Math Mentor for the STEM Mentoring Program.
LSAMP Value: "I liked the support and guidance towards a goal [of graduate school], we didn't think was possible or for us." [LSAMP] should "keep providing support and guidance and encouragement to attend graduate school, so students know the importance and reality that they can do it."


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FiduciaryNews Trending Topics for ERISA Plan Sponsors: Week Ending 1/20/12
Welcome to Fiduciary News Trending Topics. Each Monday, we'll give you a quick synopsis of the major news events and trends impacting ERISA plan sponsors, 401k fiduciaries and those in the business of supporting these fine folks. If you smile when you read these entertaining snippets, well, that's the idea. If you think we're missing something important, then please let us know. But, note this well, we avoid press releases masquerading as news stories (even though they might be reported by journalists) as well as mass media pabulum that merely mouths investment myths and mistakes.
FiduciaryNews Lead Story:
"Five Areas 401k Plan Sponsors Must Address to Reduce Fiduciary Liability," (Fiduciary News, January 18, 2012). You can count the most important areas 401k plan sponsors must address on one hand. Here they are.
Fiduciary – The Debate Intesifies:
While the DOL is hung up on the IRA ramifications of its proposed Fiduciary Rule, it's becoming clear the that rule benefits Plan Sponsors more than service providers. One would think this is a good thing.
"It is slow going on fiduciary rule," (InvestmentNews, January 15, 2012) This is about the SEC's "Fiduciary Standard," not the DOL's "Fiduciary Rule." You'd think a rag that otherwise does a good job covering the industry wouldn't have made this error.
"Industry Groups to DOL: 'Clarify' Fiduciary IRA Request," (Advisor One, January 15, 2012) Yet another delaying tactic by the industry biggies, who claim they don't know how to get all that cost information the DOL requested a month ago together in such a short time period. Hmm, sounds like they need to read the DOL's Fee Disclosure Rule.
"How do you put a dollar sign on fiduciary duty?" (InvestmentNews, January 16, 2012) Funny, the SEC has three economists working on this. The DOL is just as befuddled. But last year, FiduciaryNews ran a story that interviewed the academic researcher that identified both the costs and the benefits of the fiduciary standard.
"Fiduciary Debate: What if Doctors Could Act Like Advisors?" (AdvisorOne, January 17, 2012) Last week the FDA said doctors can't receive payments from drug companies. This week, Bob Clark explains how this bolsters the need for a fiduciary standard in financial services.
"Timing of SEC Fiduciary Rule in Flux," (AdvisorOne, January 13, 2012) The SEC's decision to again seek public input on the rule is seen as causing further delays in its release.
"Fiduciary DOL Proposal ERISA CFO Liability," (CFO Magazine, January 19, 2012) As originally proposed, the DOL's new Fiduciary Rule would have decreased the fiduciary liability of 401k plan sponsors. The article explains the wheres, hows and whys.
Fees – The Silly Season Starts:
Expect to see more inane articles on 401k fees, especially from mass media outlets. There seems to be confusion on what fees are important, and that suits the industry very well thank you.
"The impact of 408(b)(2) disclosure regulations on TPAs," (BenefitsPro, January 16, 2012) Here's the keeper: If the company pays out-of-pocket for plan expenses, then the new Fee Disclosure Rule does not apply.
"Options for 401k plans get more affordable," (USA Today, January 17, 2012) Wow, it's amazing how incredible misguided and wrong this article it. It, like so many others, confuses a mutual fund expense ratio with the plan fees. And, since it focuses on smaller plans, it totally ignores the high administrative (i.e., not investment) costs associated with operating these plans. Once again, Gannett lives up to its reputation of shoddy reporting.
"401k plans: Average Small Plan Expenses Exceed Large Plans' Costs," (AdvisorOne, January 19, 2012) In other news, dog bites man, the sky is blue and the Pope is Catholic. But, seriously, it's about time the industry and regulators stop trying to compare large company plans with small company plans.
Investments – …of Mice and Men:
Even the best laid plans can fail, and that seems to increasingly be the case of Target Date Funds. On the other hand, failure never gets in the way of making a quick buck, and that also seems to increasingly be the case of TDFs.
"Dog Bites Man! TDFs Fail Expectations," (AdvisorOne, January 12, 2012) More bad news for TDFs, but good news, too. The good news: 401k folks are still flocking to them. The bad news: They don't perform as advertised. The really bad news: despite the 2006 Pension Protection Act appeal to get more people in equities (this is where TDFs were birthed), the percentage of equity ownership in 401k plans has declined.
"Target-Date Funds: Another Bad Year?" (USNews.com, January 18, 2012) Yet another piece lamenting the state of TDFs. This article, though, offers 4 common sense pieces of advice for investors.
"DOL Makes Nice on 'Investment Advice'," (CFO Magazine, January 17, 2012) A quick review of what this personal investment advice is all about.
Major Plan Sponsor Moves and News:
What are other plan sponsors and fiduciaries doing with their plans? And how are participants responding? The latest in legal proceedings involving plan sponsors and fiduciaries.
"Capping Deferral Limit Wouldn't Do Much to Fix Budget Deficit," (PLANSPONSOR.com, January 17, 2012)
"A modest proposal on retirement reform," (BenefitsPro, January 16, 2012)
"Top 5 changes to 401k market in 2012," (BenefitsPro, January 18, 2012)
"Professional advisors key to reducing 401k plan sponsor fiduciary liability," (BenefitsPro, January 19, 2012)
"Relationship is key for employer 401ks," (Pittsburgh Post-Gazette, January 20, 2012)
Wisdom from Some of Our Favorite Blogs:
fi360 Blog: Fiduciary Links: Tittsworth opines on adviser oversight costs
Miss anything? Feel free to add a comment below.


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IE Conjecture podcast: Discussing Global Bonds
InvestmentEurope's latest Conjecture on Global Bonds is available on demand.
InvestmentEurope's latest Conjecture on Global Bonds is available on demand.
Portfolios of Global Bonds, particularly those involving Government Bonds, are rarely out of the news these days.
Investors clearly are interested by the sector, as evidenced by recent launches of new Global Bond products. However, questions remain about the balance between opportunities – such as strong risk-adjusted return relative to volatile equity and commodity markets – contrasted against possible downsides – ultra-low yields, fears about inflation returning, and managing higher default risk from developed as opposed to emerging countries. Other questions remain about how best to make strong risk-adjusted returns, and where to position portfolio duration.
Click here to listen on demand to IE Conjecture: Discussing Global Bonds


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Grown at an altitude of 1200 - 1750 masl in the Alpeneca-Llamatepec mountains.
The estate sits in the mountains, surrounded by the only Mayan archaeological site in El Salvador. The key feature of which is a sacred ceremonial site featuring two Mayan monuments from 600BC called Gordinflones which translates to 'the Fat Ones'. They are depicted on each sack of premium coffee.
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In a video tweeted out by coach Jack Del Rio earlier this week, albeit in nothing but shorts and shells at organized team activities, Lynch has already shown he hasn't lost all of that magic touch despite the long layoff from football.
Most teams would love to have these sorts of problems and think the issue of infrastructure for the Vikings makes it less important for them to re-sign any of these guys. They don't need a ton out of their quarterback to win, and they've managed to succeed over most of the past three seasons with three guys who were either unwanted by most of the league or desperate acquisitions just before the season started. (Their one dismal stretch, Sean Taylor game jersey the
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Isaiah 36 International Standard Version (ISV)
Sennacherib Attacks
36 In the fourteenth year of King Hezekiah,[a] King Sennacherib of Assyria attacked all the fortified cities of Judah and captured them. 2 Then the king of Assyria sent his field commander,[b] along with a very[c] large army, from Lachish to King Hezekiah at Jerusalem. When the field commander stopped at the aqueduct at the Upper Pool on the road to Laundryman's Field, 3 Hilkiah's son Eliakim, who was in charge of the palace, Shebna the secretary, and Asaph's son Joah, the recorder, went out to him.
4 The field commander told them:
"Tell Hezekiah, king of Judah,[d] 'This is what the mighty king, the king of Assyria, has to say: What is this "guarantee" that makes you yourself[e] rely on it?[f] 5 Do you really think that guarantees alone can withstand[g] strategy and military strength? On whom are you now depending, that you're rebelling against me? 6 Take note: you're relying on Egypt, that splintered reed of a staff, which pierces the palm of anyone who leans on it. This is what Pharaoh king of Egypt is like to everybody who depends on him!
7 But if you all[h] say to me, "We are depending on the Lord our God"—isn't he the one whose high places and altars Hezekiah removed, while he kept on telling Judah and Jerusalem, 'You are to worship in front of this altar in[i] Jerusalem'?[j] 8 Come now, all of you,[k] make a bet with my master, the king of Assyria: I will give you two thousand horses, if you can furnish riders for them! 9 How, then, can you repulse even one officer from[l] the least of my master's officials, when you are depending for yourselves[m] on Egypt for chariots and horsemen? 10 One other thing: have I really marched against this country to destroy it apart from the Lord's direction?[n] The Lord himself ordered me, 'March against this country to[o] destroy it.'"[p]
11 Then Eliakim, Shebna, and Joah replied to him,[q] "Please speak with[r] your servants—with us[s]—in Aramaic, since we understand it. Don't speak to us in Hebrew[t] where the people sitting on[u] the wall can hear."
12 But the field commander asked, "Was it only to all of you and to your[v] master that my master sent me to speak these things? Wasn't it also to the men sitting on the wall—who, like you, will have to eat their own excrement and drink their own urine?"
13 Then the[w] commander stood up and shouted out loud in Hebrew:[x]
"Hear the words of the great king, the king of Assyria! 14 This is what the king of Assyria[y] says: 'Don't let Hezekiah deceive you—for he cannot save you! 15 Don't let Hezekiah persuade you to rely on the Lord when he says, "The Lord will really deliver[z] us!" and[aa] "This city will never be handed over to the king of Assyria!" 16 Don't listen to Hezekiah, because this is what the king of Assyria says: 'Make your peace with me and come out to me. Then everyone will eat from his own vine and from his own fig tree, and everyone will drink water from his own cistern, 17 until I come and take you away to a land like your own land—to[ab] a land of grain and new wine, a land of bread and vineyards.' 18 Be careful not to let Hezekiah mislead you when he says, "The Lord will save us." Has any god of any nation ever delivered[ac] his country from the[ad] king of Assyria? 19 Where are the gods of Hamath and Arpad? Where are the gods of Sephar-vaim? Have they saved Samaria from me?[ae] 20 Who among all the gods of these countries has delivered[af] their land from me?[ag] How then can the Lord deliver[ah] Jerusalem from me?'"[ai]
21 But the people remained silent and didn't respond to him with so much as a single word, because the king had commanded, "Don't answer him."
22 Then Hilkiah's son Eliakim, who was in charge of the palace, Shebna the secretary, and Asaph's son Joah, the recorder, approached Hezekiah with their clothes torn,[aj] and let him know what the field commander had said.
International Standard Version (ISV)
Copyright © 1995-2014 by ISV Foundation. ALL RIGHTS RESERVED INTERNATIONALLY. Used by permission of Davidson Press, LLC.
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Courtesy Of Joleen Bertsch Of Royal LePage Noralta Real Estate.
11809 38 Street
$279,999, 3 Beds 2 Baths 920 Sqft 2 Garages
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Residential Detached Single Family
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No Animal Home, No Smoking Home, Parking-Extra
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Listing information last updated on November 20th, 2019 at 10:31pm MST.


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As you approach our church, from the outside, you will see a beautifully maintained Victorian structure. This building has always been used as a house of worship and is now about 105 years old.
The parish building is comprised of a church nave on the first floor and a parish hall in the basement.
Our church features an adjacent parking lot for about 30 vehicles and there is plenty of on-street parking, in this quiet and picturesque Meshanticut Lake area, at the extreme end of Cranston Street.
A Photograph of the Church Sanctuary
Our Church sanctuary is beautifully appointed as seen here in the Easter season. The church's seating is small, accommodating about 100 for Mass.
A View across the Sanctuary Area
Please stop by for private prayer or visit us for weekend Mass.


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Even an idyllic seaside holiday for the Images was interrupted by the war.
Polcurrian Hotel
S. Cornwall
Monday, Aug. 6, 1917
My very dear old man
O but this is a heavenly morning! Brilliant sky, such as I never saw in England before, in August – and the bay underneath my window of such glorious dazzling blue as I think would equal – or put to shame – South Seas or Tropics – and underneath it all, the sneaking deadly submarine. One came in here ten days ago, but had to quit re infecta, without any murders.
But a couple of young ladies from this hotel actually saw, last week, at the Lizard, 6 miles away, a U-boat torpedo strike a steamer and heard the explosion. And a man, who had cycled over, described to me the passionate race of 3 English destroyers to the rescue and our own Mullion airship hovering overhead. They did not get that submarine, though: or at least will not own to it. Discipline makes them very reticent. Still, in less guarded moments, hints are dropped as to several "scalps" secured by one or other of the airships….
Letters tell us … of two raids there – raids never mentioned yet in any newspaper!
Letter from John Maxwell Image to W F Smith (D/EX801/2)


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November 12, 2015
Forbes: University of Chicago Booth School of Business Students Pitch Blackhawk and Win at Ross Investment Competition
Blackhawk Network congratulates Eric Chow, Joe Casola, and Victor Lee for winning the Ross Investment Competition.
The Ross Investment Competition is an annual event organized by the Investment Management Club at University of Michigan's Stephen M. Ross School of Business. Each year, MBA teams from top business schools around the world compete to showcase their ability to pick, analyze and pitch stocks. Across two intense rounds, teams present their recommendations to a judge panel of industry experts from asset management firms and hedge funds. Representing the University of Chicago's Booth School of Business, Eric, Joe, and Victor won the competition by pitching Blackhawk Network stock.
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As students from around the globe attend U.S. colleges and universities in ever-increasing numbers, there has been a deeper recognition of the special issues they face.
According to a recent report by the Institute of International Education, in the last academic year, the number of international students in the U.S. grew to 886,052, up 72 percent from the number in 2000.
New York University enrolled 11,164 — the largest number of international students at any U.S. college or university.
The NYU School of Professional Studies itself enrolled nearly 1,706 international students in the past year, a marked increase from just five years ago.
To address the academic and social barriers that international students face, the NYU School of Professional Studies (sps.nyu.edu), will host a special pedagogical conference titled, "Reaching International Students: Effective Teaching in Today's Classroom," for the School's faculty members on Friday, April 24 at 7 East 12th Street.
The first of its kind presented by the School, the conference will focus on developing effective strategies for teaching its diverse population of international students.
"Our international students bring their culture to our classrooms, adding a rich dimension to the teaching and learning experience; however, they often face unique challenges in adapting to the American college/university environment," noted Lisa Springer, associate dean and clinical professor of the School's Division of Humanities and Languages, which houses the American Language Institute (ALI).
"With this event, we hope to initiate and to lead a dialogue that focuses on how we can more efficiently help them adapt to American cultural and academic life, as well as how we can adapt our classroom to take full advantage of the rich diversity and the vast experience our international students can share with our domestic students."
The conference will feature four interactive sessions that will be facilitated by faculty members and administrators who are experts in multicultural communications, as well as current international students who will provide their perspectives.
The session on "Cultural Difference" will provide participants with an opportunity to experience the classroom from an international student's point of view.
Discussions and exercises will center on how and why cultural differences manifest themselves in the classroom environment, as well as on the benefits of addressing these challenges in a direct manner.
Pragmatic solutions will be offered that enable faculty members to successfully deal with these issues without compromising course content.
"A Two Way Street: Writing in the Multinational Classroom," will explore assumptions underlying rhetorical practices in American academic and professional settings, including expectations of "good" writing and how those expectations might seem strange to international students.
Participants will come away with practical strategies for using writing in classes and for communicating effectively with students about their written work.
In "Speaking in the Multicultural Classroom," facilitators will touch on essential methods and techniques for encouraging discussion in the multicultural classroom, sharing best practices drawn from experience working with non-native speakers of English.
The goal of this session will be to provide practical tools for encouraging speaking in the multicultural classroom.
"Global English" will introduce participants to a "new" language.
Idioms, cultural references, sarcasm and inside jokes can sometimes be lost on even the most fluent of non-native speakers of English.
Speaking "Global English" widens the audience for ideas considerably, providing international students with access to complex classroom material.
By conference end, the participants will have a common framework of ideas and practices that will lead to a better understanding between faculty members and students and, in turn, to better teaching and learning outcomes.
"We hope this is the beginning of a very important discussion that will continue to evolve in the months and years to come. Our goal is to develop ways of encouraging cross-cultural engagement for all of our students," said Springer.
"Although the conference is open to NYU School of Professional Studies faculty members only, if it goes well this year, we may decide to expand this opportunity to educators from other institutions of higher learning who face the same challenges that we do. We can all benefit from a greater understanding of what these international students face, and the best practices for ensuring that they make the most of the education they receive here," she concluded.
About the NYU School of Professional Studies
Celebrating its 80th anniversary, the NYU School of Professional Studies (sps.nyu.edu) is one of NYU's several degree-granting schools and colleges, each with a unique academic profile.
The reputation of the School of Professional Studies arises from its place as the NYU home for study and applied research related to key knowledge-based industries where the New York region leads globally.
This is manifest in the School's diverse graduate, undergraduate and noncredit programs in fields such as accounting, finance, and law; applied politics; creative cities and economic development; English-language learning; foreign languages, translation, and interpreting; fundraising and grantmaking; global affairs; health information management; hospitality and tourism; human resource management and development; liberal and allied arts; management and systems; marketing; professional writing; project management; public relations and corporate communication; publishing; real estate, real estate development, and construction management; social entrepreneurship; and sports management, media, and business.
More than 100 distinguished full-time faculty members collaborate with an exceptional cadre of practitioner/adjunct faculty and lecturers to create vibrant professional and academic networks that annually attract nearly 5,000 degree-seeking students from around the globe.
In addition, the School fulfills the recurrent continuing higher education needs of local and professional communities, as evidenced by close to 48,000 annual noncredit enrollments in individual courses, specialized certificate programs, workshops, and seminars.
The School's community is enriched by more than 28,000 degree-holding alumni worldwide, many of whom serve as mentors, guest speakers, and advisory board members.
For more information about the NYU School of Professional Studies, visit sps.nyu.edu.
Tim Lyncecum See details


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