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So, I'm sitting here on the floor of my living room because I have no chairs. Our movers have been "delayed" till Friday and so we are going to be without our things until then. And yesterday I began to notice a few things. The carpet looks great because we had it cleaned, but I still feel like I can smell the lingering scent of dog. The drapes too. They are horrendous. Not just ugly (I can deal with ugly) but they smell. Bad. Like they were used to dry the dogs off every time they got out of the bath. The cupboard floor under the kitchen sink is in bad shape with part of it broken off completely. And a handful of the doorknobs in the house need to be replaced entirely because they are broken somehow. If the drapes to the front window of our house are open and one of the kids decides to push the bathroom door open....yeah, it wouldn't be a pretty sight. Call me crazy but I don't want the neighborhood to witness me doing my business.
A lot of junky stuff that I do not want was left behind for us to take care of and even the stuff that I can find a use for looks like it hasn't been dusted in ten years. And the flies! They must have gotten in when the previous owner was moving out and they were everywhere! Chad bought some fly paper and put it up around the house…I have counted over 100 flies on the fly paper alone! And I've probably killed a dozen or so with the fly swatter in the last 48 hours. Spiders too. My kids each have spots on their arms and legs that are itchy and swollen from spider bites. Brock also fell off our porch yesterday and into the rose bushes that are so out of control that they resemble that scene from Sleeping Beauty....you know, the one where Maleficent makes the forrest of thorns? And Chad spent a good 2 hours outside in the front and back yard scooping up dog poop and spraying down the walkways and the deck.And the behavior is killing me! I'm trying so hard to be patient with them since the emotional trauma and stress we have all been under for the past week is not easy to deal with when you understand it, let alone when you don't! The kids watched as their beds and toys were loaded into a semi-truck and waved goodbye as it drove away. They had to wander around their empty house for several hours and try to entertain themselves as I cleaned and we have been living in hotel rooms ever since, with much of the first few days spent in the car driving to places they had never seen before (and let's be honest: the Wyoming sceenery leaves much to be desired). They are up late and up early and naps have been limited to the car or the floor at our house (with pillow cases as blankets) since we haven't been in the same hotel for more than a night at a time.
Then of course school starts tomorrow morning at a school that we have only driven past once, teachers we have never met, and classmates Ella doesn't know. She is constantly mouthing off to me, Brock bit one of his sisters this morning, and I had to issue a time out in the middle of breakfast at our hotel this morning because Miri wanted a doughnut for breakfast (which they did not have), she threw her plate across the room in protest, and refused to pick it up when I asked. Oh she screamed for a good few minutes before I finally approached the corner she was in and asked if she was ready to pick up her plate and join us kindly (she decided she was). But I really shouldn't be surprised! This is not easy on any of us, particularly Brock and Miri who have no way of really understanding what is going on right now.I'm tired of living out of a suitcase. I'm tired of going in and out of hotels. I'm tired of weird men at hotel swimming pools who wear their underwear to swim in (cause there's really little difference between briefs and a swimsuit anyway, right?) and who stare at and try to talk to my children. I just want to be done. I'm not saying I'm ready to go back to Vernal or anything, but I'm sick of sitting around and waiting for my household to arrive. And my attitude was defintely coming through today as I snapped at my children and was close to tears of self-pity on more than one occasion!
But today with one little statement, my sweet little boy taught me something about perspective. As we pulled into our driveway, he gave a big, contented sigh and said, "We're home…"And I realized, yeah, we are. Sure the stuff listed above is rotten and a big pain in the neck, but none of it is permanent. We have a hotel room here in town for tonight through Friday. We will be in the same room and I won't have to repack every morning just to unpack a few hours later. They have a really awesome looking pool, so the kids are excited, but my fingers are crossed and prayers of desperation said for no more inappropriately dressed men trying to talk to us! Yes, I'm terrified for Ella to start school tomorrow just because she won't know a single person. But I also know that she is awesome at making friends and even though I'm nervous about it now, I'm sure as soon as she comes home tomorrow I will realize that I had nothing to worry about.
Friday our movers should arrive with our stuff and maybe Friday night we can even sleep in our own house. I'm here with my husband and even though we haven't had much time together yet, I've hugged and kissed him more in the last 48 hours than I have for the past month. Our first night back together was not at all romantic by any stretch of the imagination, with the girls in the couch-bed beside us and our son between us in the bed. But once our things come, we won't have to share a bedroom (or a bed!) with the kids anymore. I think we will find one or two ways to celebrate that fact! (Sorry if that is TMI for some, deal with it.) ;)Cleaning up the house and making the MANY desired changes will take some time, but we will make it happen little by little. This is our house now and so we can do what we want with it like peeling off the floral print wallpaper, painting over the purple bathroom and periwinkle kitchen, and tearing up the mauve carpet. The spiders and flies will be eradicated soon enough and as soon as our stuff arrives and we can get settled a little bit, hopefully the behavior will level off (yeah, I'm not going to ask for miracles...I do have 2 very dramatic daughters and a 3 year old!).
But we're home. We're together as a family and that's what makes it home. We are here because we are 100% certain that this is where the Lord wants us. The Lord will always show us the way He wants us to go, but that doesn't mean it's going to be easy to get there. But because we know He wants us here, we can take comfort in the fact that it will all work out eventually. It might be a little scary at first, but its home now. And it's going to feel a little more like home every day that we are here.
So yeah, we're home. And despite the mess, it still feels right.


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Reuters June 9, 2015 - "Non-traded REITs cost investors $50 billion: consultant"
Ross Kerber and Suzanne Barlyn's "Non-traded REITs cost investors $50 billion: consultant" reports the result of SLCG's non-traded REIT research. In "An Empirical Analysis of Non-Traded REITs" (paper available here), Brian Henderson, Joshua Mallett, and Craig McCann found that the non-traded REIT industry has transferred at least $45.5 billion in wealth from investors to sponsors and the brokerage industry. The first 41 non-traded REITs had cost investors $25.5 billion in lost wealth and 40 additional non-traded REITs which had updated their NAVs had cost investors another $20 billion in lost wealth. In "Fiduciary Duties and Non-traded REITs" (paper available here), Craig McCann points out that no advisor with fiduciary duties could recommend a non-traded REIT.

subset: commoncrawl


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"They were outlaws on movie posters and X marked their spot!
The lusty legends of The Golden Age of Adult Cinema rode the wanton waves of the silver screen during the sensual 1970's and the erotic 1980's…dazzling damsels in undress…and their lascivious likes will never be seen again.
Until now!
Here, quite possibly, is your last chance to meet them… and to appreciate them.
Collectibles will be available and molten moments will abound." – Bill Margold
GENERAL ADMISSION: $50.00 ($25 limited tickets available)
VIP TICKETS: $120.00 ($60 limited tickets available)
50% Off Discounts tickets available at GOLDSTAR.com
Schedules subject to change.
All legends will be available for photos and autographs after the Q&A.*
*Additional fee(s) for autograph signings
VIP Ticket Package includes Access to Open Wine Bar at the After Party!
Broadcasting her one-of-a-kind live weekly sexuality program from the Cupcake Theater lobby, interviewing the stars, guests and "lobbyists," will be world-renowned talk show host Dr. Susan Block, aka "Dr. Suzy." Listen free on http://drsusanblock.com


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If we are experiencing inclement weather, please call this weather hotline for all training facilities used by Academy, Central, and South teams. It will also be used for games played at Town & Country and Four Seasons. For games played at other facilities please reach out to your PA or Coach.
The Techne Training System is designed by professional soccer player Yael Averbuch, based on training methods that have allowed her to play at the highest level. While soccer is a team sport, we all know that to be an elite player, it's vital to spend time outside your team environment mastering the tools of your trade. The app provides Academy, Central, East, South, and Bluegrass players with a blueprint to own their development and become a master of the ball.


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Praise to the Lord, and Warning against Unbelief.
1O come, let us sing for joy to the Lord,
Let us shout joyfully to the rock of our salvation.
2 Let us come before His presence with [a]thanksgiving,
Let us shout joyfully to Him with [b]psalms.
3 For the Lord is a great God
And a great King above all gods,
4 In whose hand are the depths of the earth,
The peaks of the mountains are His also.
5 [c]The sea is His, for it was He who made it,
And His hands formed the dry land.
6 Come, let us worship and bow down,
Let us kneel before the Lord our Maker.
7 For He is our God,
And we are the people of His [d]pasture and the sheep of His hand.
Today, [e]if you would hear His voice,
8 Do not harden your hearts, as at [f]Meribah,
As in the day of [g]Massah in the wilderness,
9 "When your fathers tested Me,
They tried Me, though they had seen My work.
10 "For forty years I loathed that generation,
And said they are a people who err in their heart,
And they do not know My ways.
11 "Therefore I swore in My anger,
Truly they shall not enter into My rest."


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How to order
1. Top up your E Wallet account to start making purchases by transferring money to the company's bank account
Once transferred please send your transferred slip and identify your name and membership code to CS to help top up your Ewallet. Below is the channel of sending your documents;
- Line Maxx CS / ID Line : maxxcs
- Fax : +66 2101 6751
2. Member Login = Input your username and password
3. Click "Purchasing info"
4. Click "Purchase product" and start purchasing the products per your purpose
4.1 Select purchasing pattern which we have 3 main types of pattern for you to select;
4.1.1 Purchase but transfer sales volume next month
4.1.2 Purchase but hold points
4.1.3 Purchase with having sales count within a month
4.1.4 Purchase with point hold with your choices to;
188.8.131.52 Purchase Business package to gain position
18.104.22.168 Normal purchase to enhance your position or maintain your personal qualifying volume
4.2 Enter the membership code that you want to use and ensure the name and code is corrected
For example: 000001 Mr. Maxx Inter
4.3 Select delivery type which we have 2 main types as below;
4.3.1 Shipment Delivery: You must fill up the delivery address form at the bottom of the page, and system will arrange the delivery for you. Delivery time is around 1-2 working days.
4.3.2 Self pick up: You can pick up the product by yourself by choosing the following 5 available service centers whereas CDC Service Center (HQ), Ratchaburi Service Center, Rayong Service Center, Konkhen Service Center and Had Yai Service Center.
4.3.3 You can select and purchase the products under the business package you need. There are 4 types of business package as below;
– A. DIS: start at THB3,500 but not over THB4,500
– B. EX: start at THB17,500 but not over THB22,500
– C. BIZ: start at THB35,000 but not over THB45,000
– D. MD: start at THB70,000 but not over THB90,000
Making a check box at the basket in front of the products until the value of the money and points completed the package value you selected
4.3.4 Click "Recheck" once you have completed selected the items according to the package you need, the system will automatically run and calculate the total amount of the item you have selected. It will also inform you which type of business package you have selected when you buy in a package.
If the information filled correctly and completed the system will show "Pass", click "Save" to finish you purchase as a last step.


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SAN FRANCISCO (KPIX 5) — Whether it's a protest against tech company shuttles known as "Google Buses," high rents, or Twitter's tax breaks, San Francisco has become ground zero in the new war between the haves and have not's.
As it turns out, many of the fights are actually being stoked by the politically powerful Service Employees International Union, which represents thousands of San Francisco city workers. Coincidentally they are also in the midst of negotiations with the city for a new proposed contract.
What is the union's pitch? "We want a program that makes the city a place not just for the wealthy can thrive, but where low, moderate, middle income people can also thrive," said Larry Bradshaw of the SEIU.
That contract would include a 15 percent pay raise over the next three years. The city would pay 85 to 100 percent of medical coverage, and a $21 an hour minimum wage for full and part time city workers.
City officials said it's a package that they can't afford.
"If you say you can't afford it, then why are we giving tax breaks to corporations like Twitter that are valued at $36 billion a year?" Bradshaw said.
Christine Falvey of Mayor Ed Lee's office told KPIX 5, "City workers by average make more than their counterparts in other Bay Area cities and sometimes even the private sector – we do that because we know that San Francisco is an expensive place to live."
"When you treat Google, when you treat Twitter, and treat Zynga and these other very profitable corporations different, people start to get resentful of that," Bradshaw said.
"SEIU is going to talk about inequality, the Mayor is going to talk about the need to balance the budget, both of them are right," political consultant Eric Jaye told KPIX 5. "It's going to be Google buses. It's going to be the Twitter tax break. It's going to be whatever draws your camera to create the noise that they think they need to get a good contract."
Contract negotiations are continuing and it appears that it could be going to arbitration. The union could also be hitting the streets over a ballot measure to raise the minimum wage in San Francisco.
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Sustainable development of land reclamations and shorelines: Full-scale experiments as a driver for public-private innovationsAarninkhof, S.G.J. (author), Allewijn, R. (author), Kleij, A.M. (author), Stive, M.J.F. (author), Baptist, M.J. (author)With 80% of the world's population living in lowland urban areas by 2050, sea levels gradually rising and societal demands on the quality of living increasing, sustainable development of coastal zones becomes increasingly urgent as well as complex. Modern strategies for the design and implementation of measures for infrastructure development,...conference paper 2012


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Hi! we are Rossana and Federica. We've been local registered tour guides here in Venice for more than 10 years now and we love what we do. What we like most is meeting new people from different parts of the world and having the chance to show our city's spectacular sights and the charming little alleys from a Venetian point of view.
Italiano English Français
Institute of Tourism of Venice
University of Venice Degree in Foreign Languages and Literature
License as Manager of a Travel Agency
License as Tour Assistant
License as Qualified Venice Tourist Guide
Italiano English
Classical High School and Humanities
Degree in Art History from Venice University
Cambridge Certificate in Advanced English
License as a Qualified Venice Tourist Guide
We particularly enjoy working with families and children, having kids of our own, helps us see things from their perspective, you know! Venice can be fun also for kids!
As well as being a local who knows the hidden corners and interesting anecdotes, great shops and the best restaurants to go to, we have an in-depth knowledge of all the artistic and historical heritage of our city, since we are certified tourist guides of Venice. In fac we both have a univeristy degree and we passed the examination given by the public tourist authority to assess and test the knowledge in terms of history, art, architecture, museums, churches, and the list goes on.
So if you wish to go beyond the pages of your guidebook and you're looking for a passionate and informative registered guide in Venice, look no further. We will help you tailor your sightseeing experience to your needs and expectations and walk you through the true Venetian atmosphere.
You won't be disappointed!


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Journal of Data Science, v.3, no.1, p.1-17
An Application of Graphical Modeling to the Analysis of Intranet Benefits and Applications
by Raffaella Settimi, Linda V. Knight, Theresa A. Steinbach and James D. White
- Full Text (PDF): [136.53kB]
Applications of multivariate statistical techniques, including graphical models, are seldom found in e-commerce studies. However, as this paper demonstrates, we find that probabilistic graphical models are useful in this area, both because of their ability to handle large numbers of potentially interrelated variables, and because of their ability to communicate statistical relationships clearly to both the researcher and the ultimate business audience. We show an application of this methodology to intranets, internal corporate information systems employing Internet technology. In particular, we study both the interrelationships among intranet benefits and the interrelationships among intranet applications. This approach confirms some hypothesized relationships, and uncovers heretofore-unanticipated relationships among intranet variables, providing guidance for business professionals seeking to develop effective intranet systems. The techniques described here also have potential applicability in other e-commerce arenas, including business-to-consumer and business-to-business applications.
Journal of Data Science, v.3, no.1, p.19-33
Exact Robust Tests for Detecting Candidate-Gene Association in Case-Parents Trio Design
by Zehua Chen and Gang Zheng
- Full Text (PDF): [136.72kB]
In the case-parents trio design for testing candidate-gene association, the distribution of the data under the null hypothesis of no association is completely known. Therefore, the exact null distribution of any test statistic can be simulated by using Monte-Carlo method. In the literature, several robust tests have been proposed for testing the association in the case-parents trio design when the genetic model is unknown, but all these tests are based on the asymptotic null distributions of the test statistics. In this article, we promote the exact robust tests using Monte-Carlo simulations. It is because: (i) the asymptotic tests are not accurate in terms of the probability of type I error when sample size is small or moderate; (ii) asymptotic theory is not available for certain good candidates of test statistics. We examined the validity of the asymptotic distributions of some of the test statistics studied in the literature and found that in certain cases the probability of type I error is greatly inflated in the asymptotic tests. In this article, we also propose new robust test statistics which are statistically more reasonable but without asymptotic theory available. The powers of these robust statistics are compared with those of the existent statistics in the literature through a simulation study. It is found that these robust statistics are preferable to the others in terms of their efficiency and robustness.
Journal of Data Science, v.3, no.1, p.35-45
Increasing the Precision of Estimates of Immunization Coverage Among 19- to 35-Month-Old Children in the United States
by Lawrence E. Barker, Mary M. McCauley and Qian Li
- Full Text (PDF): [109.56kB]
The National Immunization Survey (NIS) is the United States' primary tool for assessing immunization coverage among 19- to 35-month-old children. Although annual estimates from the NIS are quite precise at the national level, US State-level estimates have much larger sampling error than national-level estimates. We combined two independent unbiased estimates of US State-level coverages within a given year to obtain new estimates which are more precise than previously published estimate s. We first calculated a model-based estimate for each State for 2001 using multiple years of NIS data. Next, we combined each model-based estimate with the corresponding, previously reported NIS estimate for 2001. Our resulting estimates of State-level immunization coverage had smaller standard errors than the previously published estimates. To make similar improvements in precision by increasing sample size would, depending on State, require an increase in sample size of 30% - 120%.
Journal of Data Science, v.3, no.1, p.47-68
A Comparison of the Posterior Choropleth Maps for Disease Mapping
by Balgobin Nandram, Jie Liu and Jai Won Choi
- Full Text (PDF): [339.89kB]
In Bayesian analysis of mortality rates it is standard practice to present the posterior mean rates in a choropleth map, a stepped statistical surface identified by colored or shaded areas. A natural objection against the posterior mean map is that it may not be the ``best'' representation of the mortality rates. One should really present the map that has the highest posterior density over the ensemble of areas in the map (i.e., the coordinates that maximize the joint posterior density of the mortality rates). Thus, the posterior modal map maximizes the joint posterior density of the mortality rates. We apply a Poisson regression model, a Bayesian hierarchical model, that has been used to study mortality data and other rare events when there are occurrences from many areas. The model provides convenient Rao-Blackwellized estimators of the mortality rates. Our method enables us to construct the posterior modal map of mortality data from chronic obstructive pulmonary diseases (COPD) in the continental United States. We show how to fit the Poisson regression model using Markov chain Monte Carlo methods (i.e., the Metropolis-Hastings sampler), and obtain both the posterior modal map and posterior mean map are obtained by an output analysis from the Metropolis-Hastings sampler. The COPD data are used to provide an empirical comparison of these two maps. As expected, we have found important differences between the two maps, and recommended that the posterior modal map should be used.
Journal of Data Science, v.3, no.1, p.69-83
Observer Variability: A New Approach in Evaluating Interobserver Agreement
by Michael Haber, Huiman X. Barnhart, Jingli Song and James Gruden
- Full Text (PDF): [139.38kB]
Existing indices of observer agreement for continuous data, such as the intraclass correlation coefficient or the concordance correlation coefficient, measure the {\it total} observer-related variability, which includes the variabilities between and within observers. This work introduces a new index that measures the {\it interobserver} variability, which is defined in terms of the distances among the `true values' assigned by different observers on the same subject. The new coefficient of interobserver variability ($CIV$) is defined as the ratio of the interobserver and the total observer variability. We show how to estimate the $CIV$ and how to use bootstrap and ANOVA-based methods for inference. We also develop a coefficient of excess observer variability, which compares the total observer variability to the expected total observer variability when there are no differences among the observers. This coefficient is a simple function of the $CIV$. In addition, we show how the value of the $CIV$, estimated from an agreement study, can be used in the design of measurements studies. We illustrate the new concepts and methods by two examples, where (1) two radiologists used calcium scores to evaluate the severity of coronary artery arteriosclerosis, and (2) two methods were used to measure knee joint angle.
Journal of Data Science, v.3, no.1, p.85-100
Comparison of Distance Measures in Cluster Analysis with Dichotomous Data
by Holmes Finch
- Full Text (PDF): [124.86kB]
The current study examines the performance of cluster analysis with dichotomous data using distance measures based on response pattern similarity. In many contexts, such as educational and psychological testing, cluster analysis is a useful means for exploring datasets and identifying underlying groups among individuals. However, standard approaches to cluster analysis assume that the variables used to group observations are continuous in nature. This paper focuses on four methods for calculating distan ce between individuals using dichotomous data, and the subsequent introduction of these distances to a clustering algorithm such as Ward's. The four methods in question, are potentially useful for practitioners because they are relatively easy to carry out using standard statistical software such as SAS and SPSS, and have been shown to have potential for correctly grouping observations based on dichotomous data. Results of both a simulation study and application to a set of binary survey responses show t hat three of the four measures behave similarly, and can yield correct cluster recovery rates of between 60\% and 90\%. Furthermore, these methods were found to work better, in nearly all cases, than using the raw data with Ward's clustering algorithm.
Journal of Data Science, v.3, no.1, p.101-122
Bayesian Analysis for Change Points in the Volatility of Latin American Emerging Markets
by Rosangela H. Loschi, Cristiano R. Moura and Pilar L. Iglesias
- Full Text (PDF): [194.80kB]
We have extended some previous works by applying the product partition model (PPM) to identify multiple change points in the variance of normal data sequence assuming mean equal to zero. This type of problem is very common in applied economics and finance. We consider the Gibbs sampling scheme proposed in the literature to obtain the posterior estimates or product estimates for the variance and the posterior distributions for the instants when changes take place and also for the number of change points in the sequence. The PPM is used to obtain the posterior behavior of the volatility (measured as the variance) in the series of returns of four important Latin American stock indexes (MERVAL-Argentina, IBOVESPA-Brazil, IPSA-Chile and IPyC-Mexico). The posterior number of change point as well as the posterior most probable partition for each index series are also obtained.


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Alternative methodologies for toxicology
Replace. Reduce. Refine.
We are fully committed to the 3Rs principles. And as such we are investing significant effort in developing in vitro methodologies to investigate potential toxic effects of compounds early on during the development process. Moreover, some of these studies can be applied to study the tolerability of non-pharmaceutical products (e.g. cosmetics), thus providing to the final customer, safer products.
Building on existing and long-standing expertise within in vitro studies, the alternative methodologies team at Aptuit is collaborating with other research centres across Europe to strengthen the reliability and relevance of alternative methods that have a potential to replace, reduce or refine the use of animals for scientific purposes.
We are a member of the European Union Network of Laboratories for the Validation of Alternative Methods (EU-NETVAL).


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Meet Michael
Since his first election in 2013, Commissioner Grieco has maintained his commitment for independent thought and availability. Michael even took his first elected office door off the hinges his first week in office as a symbol of transparency in government. In his first years in office, Grieco focused his efforts on both big and small ticket items ranging from environmental initiatives to traffic solutions and further improvements to education. Michael continues to fight for the disenfranchised and voiceless members of our community by putting residents' quality of life above all. Michael has become known as being not afraid to talk about tough issues, including homelessness, refocusing the meaning apa style cover sheet of Memorial Day weekend and public safety.
Michael has a 9-year-old son who he considers his main motivation to seek local office. He wants his son to grow up in an area he is proud of, and he is worried we could be headed in the wrong direction due to lack of true leadership. Michael is a homeowner who has lived in condos in both historic Flamingo Park and on West Avenue, as well as a pre-1942 single family home in Mid-Beach before settling South of Fifth about nine years ago.
As a community leader Michael previously sat on the Board of Directors for the South of Fifth Neighborhood Association. He currently sits on the Board of Governors for the Miami Beach Chamber of Commerce and is a member of the President's Cabinet for the Miami Children's Hospital Foundation. Michael is a long-time Mount Sinai Hospital Young Founder and SAVE Young Guardian, and previously served on multiple city boards before being elected to the Commission. Commissioner Grieco is a perpetual philanthropist, as he has organized and/or acted as title sponsor for multiple causes including Miami Children's Museum, Big Brothers Big Sisters, and as well as both the Mount Sinai and Miami Children's Hospitals. In 2015 Michael proudly founded Miami Beach Kids First, a non-profit organization strictly focused on the well-being and education of the children in our city.
Following his undergraduate career in Washington, DC, during which he worked in both the US Congress and at C-SPAN, he moved to the greater Miami area in 1997 and soon after moved to and fell in love with Miami Beach. After graduating the University of Miami School Of Law in 1999, Michael started his legal career as a Miami-Dade Assistant State Attorney. As a prosecutor he learned about not only the rule of law, but its application throughout the county. Michael excelled in the office, spending a majority of his six years focused on Gang and Narcotics enforcement before becoming a supervising Felony Division Chief in 2005. Michael then opened his law practice in 2007, choosing to become a small business owner. He has since built a successful boutique trial practice focused on criminal defense and victim advocacy and can be seen regularly on MSNBC and CNN opining on legal issues and high profile trials.


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Businesses Crucial To Cool Cities
He remembers how difficult it was then to attract financing, investors and tenants to his earliest ventures.
Most difficult was financing. Banks were attracted to suburban developments with guaranteed national retail tenants. Cummings felt then and now that the trend worsened sprawl and hurt local business.
One of his earliest partners, Blue Bridge Ventures LLC founder and CEO Jack Buchanan, recalls similar scenarios.
"Everything that could be broken was broken," Buchanan said. "We had to take a snow shovel and clear away debris just to have a press conference. We cleaned it up, but initial showings were a bit scary.
"It was 'Show me, don't tell me.'"
But it turned out there was a market for that type of property and it reached 100 percent occupancy in a down market before Buchanan sold it to an investor.
"People wanted something that was new, something funky, something that they could distinguish themselves with," Buchanan said.
Today, there is no shortage of downtown development. A week doesn't go by without an announcement of a renovation, reuse or sale of a downtown property.
"We were the first. But now there is plenty of development downtown," Cummings said. "It's good for us and for the community as a whole. But it's frustrating at the same time."
De Vries Properties has been developing properties in the
"We got into urban renewal in the 1960s," said President Ed De Vries. "We thought it was a great idea at the time. But we actually ended up destroying all the city's great architectural buildings, like City Hall."
The three developers were joined by Bazzani Associates President and CEO Guy Bazzani at a packed
"Some of our first projects on Division were actually ahead of the market," Cummings said. "I wouldn't call them failures …"
"Learning experiences?" asked DeVries.
"It's better to be the settler than the pioneer," Bazzani saied.
The issue of
DeVries, the oldest person in the room, brought the subject up first. He advised the young professionals to become involved in the schools and the community. Then he talked about watching neighborhoods die.
He said that in his youth,
"When they built (U.S. 131), the traffic dried up. The businesses suffered and closed or moved out, and the neighborhoods fell apart," he said.
"Think local first," Bazzani said adamantly.
Bazzani is chairman of Local First, an organization founded to promote local business. He said that of every $100 spent at a local business, $73 goes back into the community. At a big box retailer, he said, only half of that remains in the community.
Cummings added that all the major players in the community started out as small businesses.
But in supporting local businesses, consumers must be willing to pay a little more. The economies of scale don't allow local businesses to compete end to end, he said. But in order to maintain the high quality of life enjoyed by
Likewise, it was tax credits and subsidies like the Renaissance Zone abatements that provided the greatest incentive for developers to renovate downtown buildings in the first place.
"A developer can have all the passion in the world, but the numbers still have to add up," Buchanan said. "You can't say to construction workers, "Guess what guys? You're making a buck an hour today.'
"People who complain about why this guy got this or that, they just don't get it," he said. "You have to support these businesses as a city."
He advised calling politicians and writing the newspapers when important issues appear.
"There are a lot of old geezers who are trying to make these decisions for you and you need to show your support publicly," he said.


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NORCROSS, Ga. — Comverge Inc., which makes equipment for managing energy capacity, said Monday that its first-quarter loss widened as costs more than offset a 16 percent gain in revenue.
The company reported a loss of $10.2 million, or 41 cents per share, compared with a loss of $9.1 million, or 43 cents per share, in the same period a year ago.
Revenue rose to $13.4 million from $11.6 million, but costs of products and services jumped 21 percent.
Analysts expected the company to lose 37 cents per share on revenue of $16 million, according to a survey by Thomson Reuters.
Comverge repeated its forecast for 2010 revenue of $125 million to $137 million.
Shares fell 11 cents to $10.98 in afternoon trading.
Copyright 2010 The Associated Press. All rights reserved. This material may not be published, broadcast, rewritten or redistributed.


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How do you teach students about music history and world music without using the traditional lecture/listen format? Head to outer space, of course!This week, students in Music+STEM attempted to represent Earth's musical history and cultures on a new Golden Record. The Golden Record was created by Carl Sagan and NASA for its 1977 Voyager Interstellar Mission. The mission was originally to explore the giant planets of our solar system but now continues to study the outer reaches of our Sun's energy. The record includes sounds, scenes, greetings, and music from Earth. Scientists know the chances of it ever being found and played is slim, but it was included as a hopeful message of life on Earth.
Our students were tasked with creating a new collection of music for a future Golden Record. In order to represent as much of Earth's music history as possible, their selections had to represent 6 continents and at least 4 centuries. Initially, this seems like a simple enough task. In reality, this involved a great deal of teaching and learning. Here are just a few of the questions and challenges students faced as they worked to complete this project:
- What continents do I need to represent?
- What centuries can I find music from?
- What is an authentic example of music?
- What is a high quality example of music?
- How do I search for music from a specific place and/or time?
- How do I narrow down my search to the most useful information?
- How do I follow a "trail" to the goal of my search?
As you can see, students not only met musical goals of discovering music from multiple times and cultures, they learned valuable internet seach tools and discrimination.
Here are a few of the musical examples students included on their Golden Record 2.o …
As a teacher, my favorite part of this project was the sounds I heard in the classroom as students worked – excerpts of The Nutcracker in one corner mixed with sounds of a didgeridoo, while Spring from The Four Seasons played alongside a fife and drum tune from colonial America.
And the best moment was when a 6th grade boy sat listening to a piece of music he disovered and then told me, "This music is so relaxing it makes me cry." Equipping students with the ability to find music that they can emotionally connect with – that's a life lesson that won't be measured on a standardized test – but one that will be life changing. It doesn't get much better than that.


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$10 - Inspiration and Education (Value - $14.95)
You will receive an advance HD Digital preview of the documentary available to you before anyone else, plus all previous rewards. You will also receive a digital downloadable copy of Stop the Nightmares of Trauma, by Dr. Roger and Joanne Callahan. This book defines the theory and application of the powerful process that has served as the foundation for our model for large scale trauma relief used in Rwanda and Uganda.
$25 - Learning Tapping for Yourself (Value - $31.90)
This level of contribution provides you with further education and self-help with this unique healing modality. You receive all the previous rewards plus a copy of Suzanne Connolly's book Thought Field Therapy – Clinical Applications Integrating TFT in Psychotherapy. Please provide your mailing address.
Advanced Praise for Clinical Applications:
"I am pleased to recommend this work. Ms Connolly is a first rate seasoned integrous counselor with many years of experience in the various modalities of therapy. She offers clinically the best of the new as well as the tried and true." - Dr. David M. Hawkins, M.D., Ph.D. Director of the Institute of Advanced Spiritual Studies Coauthor of Orthomolecular Psychiatry with Nobel Prize winner Linus Pauling, M.D.
"Her book is full of practical advice and contains many tips on applying TFT algorithms effectively to help various psychological problems. Anyone interested in applying my TFT algorithms to help various problems is well-advised to obtain this book. Suzanne has done a marvelous job." - Roger J. Callahan, Ph.D.Founder and Developer of Thought Field Therapy.
$50 - Film Credit and More Self-Healing (Value - $86.85)
In great appreciation for your support, your name will appear as a SUPPORTER in our ending FILM CREDITS and you will receive an AUTOGRAPHED copy of the DVD, plus all of the previous rewards. Additionally, at this level of support, you will receive a digital recording of a teleclass on Trauma relief with Joanne Callahan and Robert Bray, PhD, along with Dr. Bray's book, No Open Wounds: Heal Traumatic Stress NOW: Complete Recovery with Thought Field Therapy. Please provide your mailing address.
$100 - Healing Bundle - Complete TFT Starter Program (Value - $579.80)
TFT founder and developer Dr. Roger Callahan's program to begin implementing TFT and tapping into your life. This package includes:
• Popular online audio training with presentation and demonstration - with 200 page manual
• "Voltmeter and Psychological Reversal" - digital download by Dr. Roger Callahan
• Tapping the Healer Within - signed copy by Dr. Roger Callahan
• Tapping the Body's Energy Pathways - signed copy by Dr. Roger and Joanne Callahan
These tools allow you to accelerate your healing process, plus you will receive all the previous rewards. Please provide your mailing address.


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Last week I had a one year review meeting with a client; and when I asked her if she wanted to continue to work together, I assumed she would say no because she had accomplished all of her goals and was on the right track. I was shocked when she said she wanted to continue to work together because for the first time in her life she felt as though she had control over her money, and she wanted to keep it that way.
"It's all about control and I've got lots of it."
This is what Janet Jackson says about two minutes into this video, but I wonder how most of us feel in regards to control over our money. One of the reasons why I became a financial advisor almost four years ago was that I felt out of control with my money. I was making plenty of it, but my financial life seemed like a puzzle with pieces all over the place. My husband and I were making financial decisions all the time but yet they didn't seem to come together.
At first I wanted to hire someone else to figure out my financial life, but when I couldn't find the right advisor, I decided to become the advisor I wanted for myself. With my training, I started to finally feel in control of my own family's finances. If you feel out of control with your money, I guarantee that you are not alone. From my perspective, there are five areas where we fall out of control with our finances.
1) Big Picture Control
People who lack big picture control make financial choices all the time and most of the choices are sound; however, it's hard to see how they will all come together. The best way to gain control is to stop and review all of your financial pieces and try to put them together. Ask yourself why you made the choices you made and where you expect them to lead. If you own a home, why do you own the home and what do you plan to do with it? If you are saving, what are you saving for?
The more clearly you can define where you expect to go over the next two, five or ten years, the clearer your big picture will become and you can put the pieces together.
This lack of control is one of the main reasons why people seek the help of financial planners. They are looking for the financial planner to put all of the pieces together; and if you're having a tough time doing it yourself, then I highly recommend seeking the help of a financial planner. Sometimes it's difficult for us to see the big picture because we are too caught up in the details and we need an outside party to help us gain perspective.
2) Spending Control
I think most of us at points in our lives have to figure out how to gain control over our spending. The biggest challenge with spending issues is that they are typically emotionally driven, and unless you deal with the emotions that are driving the spending, it will be hard for you to gain control.
I recently met with a client who has spending issues and we talked a lot about dealing with the behaviors and how to change them. If you have a tough time managing the emotions, then make a physical change. Make it difficult for you to spend money so that hopefully by the time you go to spend it, your emotions will be in check. One step that this client is going to take is removing all of her payment information from websites where she typically spends money. She is confident that the inconvenience of having to retrieve payment information will help her control her spending.
Another way to gain control over your spending is to replace your spending with something more important. I used to have a spending problem until I realized that my goal in life was to help other people. If I wanted to make this career change, I needed to spend less so that I could earn less. This goal was so important to me, though, that I didn't miss the spending because I knew I replaced it with something significantly more meaningful.
3) Saving Control
People who can't control their saving typically have issues because they don't know how much to save and they don't know how to save. My clients all get the goal of saving at least 15% of their gross income, and when they first see this number, they freak out and think it's an impossible goal. It's not an impossible goal, they just set their past goals too low. Even if you're up to your eyeballs in debt, you should think about taking on other jobs and earning extra income to make this number a reality. Your savings is your future so if you get control over anything, I would hope it would be your future.
I also advise clients to automate their savings goal where they set up autodrafts from their checking accounts to other savings accounts. It sounds so basic, but this is half the battle. If you don't see the money in your account, you are less likely to spend it. My clients have saved hundreds of thousands of dollars over the last two years through automation alone.
4) Investing Control
Some people have complete control over spending and saving but have no idea how to gain control of their investments and the common issue here is a lack of education. If you fall into this category, I really can't blame you for feeling uneducated or confused because most of the investment information out there seems to be written in a completely different language.
Before I became a financial advisor, I had no idea what an ETF was and why I should even care about asset allocation. It took me months of training before I could figure out how to convert the knowledge into a language I understood and could explain it to my clients. I think that there are plenty of bloggers out there who explain investing well. I also recommend podcasts for educating yourself on investing because sometimes it helps to hear the information rather than just reading it.
5) Income Control
We would all like to make more money but what most of us don't realize is that we have the ability to be in complete control of this situation. I advise clients all the time to research job opportunities and understand the true value of the services they provide. If you are at the top of what you could earn in your current job, then think about picking up side hustles or outside jobs. I take on side hustles all the time and while I may give up sleep, I feel better about the control that it gives me to make more money.
If you are feeling out of whack with your money situation, it's probably because you don't feel in control over some aspect of it; and I encourage you to address this sooner than later. The longer you wait, the more stressed and out of control you will remain. Gaining control of our finances will not only lead to more money in the bank, but also less stress in our lives along the way.


text: I mentioned that I like to sew bags. I like to sew other things but I'm not that good at quilts because I suck at consistency and sewing a straight line. I've made a table cover and some placemats and a valance with some success but on the whole, and as a newbie sewer, I'm just not that good at it. Except when it comes to bags. I seem to be able to hide my flaws in the small seams of the bags. Here are my most recent ones. I found some Disney Villainess fabrics (top and bottom pictures) that made some great bags and an upholstery fabric duo that made a super durable bag (the middle picture).


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Yolo County Supportive/Affordable Housing
|Housing Program
|Type of Housing
|Cesar Chavez Plaza
1220 Olive Drive, Davis,
(530) 753-9204
|19 special needs apartments in a 52-unit complex. For extremely low income and fixed income individuals with mental and/or physical disabilities, including substance abuse.
|Permanent Supportive Housing
mental illness
|Creekside Court
(530) 758-2550
|In development, 73 one-bedroom units for low-income residents at 2990 Fifth St. in Mace Ranch and includes 36 extremely low-income units, 22 very low-income units, 31 low-income units and a manager's unit. Completion is estimated by November 2019.
|Permanent Supportive Housing
|Davis Affordable Housing
|The City of Davis lists affordable rental housing on their website. Contact each housing project separately. Most housing complexes have long waiting lists. If you meet the requirement for that complex, ask to be put on the waiting list/s.
|Affordable Housing
|Eleanor Roosevelt Housing
675 Cantrill Dr., Davis, CA
(530) 753-3400
|One-bedroom apartments for seniors over age 62 with up to 120% of the median income. As of 4/8/07, rents range from $250 up to $875 depending on the household income level.
|Low Cost Housing for Seniors over 62.
|The Farmhouse
Yolo Community Care Continuum
(530) 758-2160
|A long-term residential treatment program located on a ten-acre parcel of land seven miles northwest of Davis. It includes a five-bedroom farmhouse, two large barns, two pastures, and large garden and offers both a residential and pre-vocational program for residents. Managed by YCCC.
|Long-term Residential Care
mental illness
|Homestead Apartments
Yolo Community Care Continuum
2610 Grambling Ct, Davis, CA
(530) 771-2379
|Housing program for over 21 adults with private bedrooms and shared living space in several small homes on a single property. Co-managed by YCCC and CHOC.
|Permanent Supportive Housing
mental illness
|Pacifico Student Housing Cooperative
(530) 297-1222
|Co-operative low cost housing for students and non-students, located in South Davis. Two buildings with 21-28 residents per building.
|Low-cost Housing
|Pine Tree Gardens
Turning Point
(530) 601-5959
|A Turning Point program offering residential treatment for 28 adults living with mental illness in two Davis homes.
|Permanent Supportive Housing
mental illness
|New Dimensions
Yolo Community Care Continuum
582 Kentucky Avenue, Woodland
(530) 758-2160
|15 Units – 12 Studios and 3 one-bedrooms. Usually a long waiting list. Co-managed by YCCC and CHOC.
|Permanent Supportive Housing
mental illness
|Woodland Hotel Apartments
436 Main Street, Woodland
(530) 661-6944
|The restored Hotel Woodland offers 76 furnished studio apartments, with private baths and kitchenettes, prescheduled housekeeping services, cable and telephone hook-ups, community room with stove, coin-laundry rooms each floor, elevator access, security card access. Convenient downtown location, near public transportation. Eligibility: Low-income. Section 8 accepted.
|Affordable Housing
Community Housing Opportunities Corp.
(707) 759-6053
|Yolo County
|Affordable housing complexes throughout Yolo County. Apartment List
|Affordable Housing
|Mutual Housing California
(916) 453-8400
|Yolo County
|Low income housing in Yolo County.
|Affordable Housing
|Yolo Community Care Continuum (YCCC)
Supportive Housing
(530) 666-7798
|Yolo County
|Cooperative living opportunities are provided through the
New Dimensions Supportive Housing program, the Homestead Cooperative, Cooperative Housing and the HUD Supported Housing programs. The Farmhouse is a long-term treatment facility in Davis.
|Permanent Supportive Housing
mental illness
|Yolo County Housing
(800) 662-5428
|Yolo County
|Subsidized housing, migrant housing and public housing. Manages the Housing Voucher program (aka Section 8)
|Yolo Housing Support Services (YHSS)
(Turning Point Community Programs)
212 I Street, Davis, CA 95616
(530) 758-4078
|Yolo County
|For adult men and women with mental illness / chronic homelessness– Provides living skills, community integration, volunteer work opportunities, referrals to services Supportive Housing
mental illness
|Supportive Housing
mental illness
|Cache Creek Lodge
435 Aspen St., Woodland
(530) 662-5727
|45-bed residential substance abuse program that utilizes a social model based on the 12-step program. Maintains a regimented schedule, provides individual and group counseling and offers courses on various life skills
|Supportive Housing
(substance abuse)
Fourth & Hope – Walter's House
|Residential substance abuse program– Therapeutic community that provides employment assistance, stable housing, and cognitive behavioral therapy.
|Supportive Housing
(substance abuse)


text: A sitcom is not a sitcom without a good dad. Think of the biggest sitcoms of the past CENTURY. All of the featured dads have big personalities: Al Bundy, Homer Simpson, Peter Griffin, Michael Bluth, Gob Bluth. While some dads are arguably worse/more sociopathic than others, you gotta admit that you'd trade your dad for any of these Pop Culture Papas in an instant.


text:
November 2, 2016
Now is the best time to add that final touch to your basement floors with our Winter Special.
$500 off a basement 500 square feet or more
Check out our Gallery to see examples of our beautiful basement floors. These floors have been installed in many residential, commercial, and even Parade of Homes locations.
To see color options, click the Color Samples page under Commercial or Residential.
Present offer at initial appointment. Not valid on previous estimates. Expires 12/31/16.
Categories: Specials


text:
Welcome to this user forum.
he quickest way to get this sorted would be to contact customer service on 150 from your landline, alternatively if you can use live chat. The billing team can be contacted on this link.
I have asked a moderator to provide assistance, they will post an invite on this thread.
They are the only BT employees on this forum, and are based in the UK.
@moonie2014 wrote:
I appreciate that Keith many thanks, how long does that normally take ?
They will post here with a private message for you to read. Then if you provide the information requested, they normally contact you personally within a few working days. They do take ownership until its sorted.
Hi @moonie2014
I have sent you a private message with advice on how you can get in touch with us.


text:
Party Streamer Twister
Bigert & Bergström have been commissioned to make a sculpture for Förbifart Stockholm, the forthcoming Stockholm bypass, which will mostly run underground. The sculpture, Party Streamer Twister – which unravels into a whirling tornado – will be sited in the run-up to the exit at the Kungens Kurva interchange. Motorists approaching the exit will see coloured neon coils in the tunnel roof, which gradually get brighter and rotate more rapidly the closer they get to the eye of the storm. The project is being carried out by The Swedish Transport Administration and is planned to be inaugurated in 2026.


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| Anxiety |
Aye, my heart and prayers go out to all those affected by the hurricanes. I can't imagine the fear, anxiety or loss you are experiencing but be encouraged. For in the eye of every storm you'll find strength and through love, compassion and understanding there will be a hand extended to aid you in your time of need. You are not alone.
Featuring (NEW) Styles by Doux Mainstore : Henrique
Scars NEW Release: Long Cardigan Scars...
NEW Release: Wide Pants @ TMD!
[ kunst ] - kPhone 3C @ Mainstore
JIAN Scruffy Shepherds - Companion Pup Tan Black @ Mainstore
Ana Poses - Tokyo No. 4 @ Shiny Shabby -slightly modified-
Taken @ Neva River
Music in (E)motions
Posted by LawrenceD at 7:12 PM
Labels: Ana Poses, Doux, JIAN, kunst, Neva River, Scars, Shiny Shabby, TMD
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text:
Satisfy your cheese cravings with this delicious, golden-baked gorgonzola and mushroom gnocchi.
Featured in Winter recipes, Mushroom recipes
- 30g butter
- 350g mixed mushrooms, coarsely chopped
- 2 garlic cloves, crushed
- 1/4 teaspoon ground white pepper
- 500g pkt fresh potato gnocchi
- 100g fontina cheese or gouda cheese, chopped
- 100g gorgonzola, crumbled
- 185ml (3/4 cup) thickened cream
- Fried sage leaves, to serve
Step 1Preheat oven to 200C/180C fan forced. Heat the butter in a large frying pan over medium heat until foaming. Increase heat to medium-high. Add the mushroom and garlic and cook, stirring, for 3-5 minutes or until just soft. Season with salt. Stir in the pepper. Transfer the mushroom mixture to a 2.25L (9 cup) ovenproof dish.
Step 2Meanwhile, cook the gnocchi in a large saucepan of boiling water following packet directions or until just tender. Drain.
Step 3Stir the gnocchi into the mushroom mixture. Sprinkle with the combined fontina and gorgonzola.
Step 4Heat the cream in a small saucepan over medium-high heat until just boiling. Pour over the gnocchi mixture. Bake for 15-20 minutes or until golden and bubbling. Top with fried sage leaves.


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Laura Walker – MA Graphic Design
This project explores the relentlessness of time, as well as our individual experiences of time, facilitated by using the universal experience of reading as a conceptual metaphor
Through this series of reading challenges, it is hoped that the audience will reflect on their own experience of time and how this affects their lives. By exploring the links between reading and life, some of the experiments will aim to highlight the consequences of not taking action in our lives, which can lead to a state of atrophy.
Ordinarily, time within the act of reading is controlled by the reader – how long they take to read a page, when they choose to read and how long they read for in total. However, in this project, the control of time will be taken away from the reader, creating a somewhat warped experience.
The series of experiments explore traditional and contemporary reading methods, looking at digital and print based texts. All texts used within this project have a strong connection to time and/or the work of philosopher Henri Bergson, whose ideas about the differences between time and duration have formed the basis for this investigation.
It is perplexing that we have to 'make time' to read, and as a result it often feels like a luxury when we allow ourselves these brief moments of respite in our hectic daily schedules. Some people experience joy and a sense of escapism during these periods of time, while others are plagued by a sense of guilt, a feeling that they should be doing something 'more important'.
Find out more about MA Graphic Design at AUB.


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61st International Golf Tournament 2015
Sun 7th June 2015 at 18.00 - Thu 11th June 2015 - 22.00
Our 61st Annual Golf Tournament ran from 7th to 11th June 2015. In 2015 The Open Championship will also return to The Old Course so it provided a great opportunity for Rotarians to play on the "hallowed turf" just a few weeks before the Open itself.
Another very successful International Gold Tournament is now over with almost 200 competitors in the main competion plus ladies and others giving a total of 260 golfers from 22 countries.
The winning Rest of the World team included a lady and came mainly from Australia, USA and Canada.
The European players were from Finland, Denmark, Germany, France, Spain and Switzerland.
An English team, Irish team and Scottish team made the final competition exciting.
More than 25% of players were first time players in the competition and vowed they would be back next year.


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Orange Chakra Fertility Bracelet - Copper
|Ask a question about this product
Our fertility bracelets feature powerful stones that promote a womans fertility. They enable conception and a healthy pregnancy. This bracelet features Rose Quartz, Red and Green Adventurine, Crystals and Freshwater Pearls, each accented with copper bead caps.
Rose quartz are the beads of love and fertility. They are said to help promote pregnancy and to protect the mother.
Red Aventurine (the earth stone) helps strengthen the connection to Mother Earth and tap into your ability to create life. It stimulates the Sacral Chakra, the love center of your body.
The green aventurine is an all-purpose healing stone that reduces stress and increases confidence, along with encouraging fertility.
Turtles are a potent symbol of both protection and fertility. A turtle charm dangles from the toggle clasp.
This is a potent fertility bracelet, packed with lots of stones that enable conception and protect your little one.
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text:
Hair Design
A great haircut begins with a pair of ears, not a pair of shears. All haircuts include style consultation, shampoo, conditioning & styling.
Hair Color
Hair color is our specialty. Blend a few gray hairs, add subtle highlights and incredible shine or go for a complete color change!
Hair Solutions
Curly, wavy, straight or thinning, we can alter and enhance your hair's natural texture. And with our state-of-the art hair restoration services, we can turn back the clock!
Book your visit online
29 May 2019
Now Hiring Outstanding Talent
Kenneth Cote is always seeking outstanding talent to join our team.
29 Jun 2017
40 Years of Great Hair
Salon Director Kenneth Cote on four decades of changing trends and timeless style


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I think offering a fairly diverse range of items at your first craft fair, while keeping the overall "feel" and "style" of your products the same, is the best strategy. This way, you can test what sells best for future and bigger events. I plan to expand Pink Robot's range to include lined baby skirts in fabulous, unusual fabrics- like these two Japanese cotton designs.
Origami crane and blossoms
|Japanese fans
|A little selection of Crafted Home labels
|I made the label a feature of the skirt
|Giving my skirt a more professional, designer feel
|Easy to sew!
I also make baby tutus from soft and fluffy tulle. I decided to add branding to two I made for Heather a while ago, and experiment with the placement of the labels for this review. As a tutu has nowhere "out-of-sight" to place a label, I embraced it as part of the bespoke design. It looks great, and my plan is for people to see the brand name when Heather wears them... a mini walking advert! With that in mind, I sewed a label on to the vest from my peacock collection, to experiment further with position. I placed this one right at the bottom, and it gives the vest a unique look.
|The stitching is hidden in the tulle
|Pink Robot branded ballet tutu!
|Vest label
To keep up to date with the rest of this series, and for other thrifty, creative tips, follow Make Thrift Love Life on Bloglovin': http://www.bloglovin.com/blog/11924471


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'Beat the Bounds Sunday the 13th October 2013 Motorcycle Parade of 4,000 bikes / Trikes and sidecars with the Mayor riding too as well as many other guests - City of London raising money for the Lord Mayor of London's Appeal. further details to follow
Boxing Evening - Date confirmed as Thursday 18th July 2013 at the Clapham Grand, Battersea right next to Clapham Junction Train Station.
For tickets and prices click HERE
The Tunnel 2 Towers Run
Web: www.tunnel2towersrun.org
Email: firstname.lastname@example.com
Copyright © 2012 Tunnel 2 Towers Run
All rights reserved.


text:
Before purchasing insurance, it is a good idea to check the ratings of the insurance company to find out how it fares. That is where a ratings company like Moody's comes in, providing you with a simple scale to illustrate how well the company you are interested in is doing. Armed with that information, the consumer is able to make better informed decisions, and to be prepared for what they are signing themselves up for.
Moody's Letter Gradations
|Companies with this rating are graded as among the most stable financial institutions.
|This grade shows potential for long term growth, with the potential for an even higher rating.
|This rating has room for improvement, but is still considered a safe and stable investment.
|This rating, while it is still stable, indicates that the company has undergone financial difficulties. Further research is advised before investing or purchasing long-term insurance
|Needs Improvement
|This rating is given to companies which indicate a strong financial foundation but have suffered monetary setbacks or losses recently. This is probably not a good company for long term
investments, but it is still far from a loss.
|Barely acceptable
|Companies with this rating are probably not a good insurance or investment choice. Wait to find out whether the ratings go up or down in future ratings before investing.
|Companies with a Caa rating are going through financial turmoil. Consumers would be best advised to avoid purchasing from these companies until the financial outlook has improved.
|Exceptionally poor
|A company rated as Ca is not a good choice for long or short term insurance policies. Investors may want to keep an eye on the company to help make future investment decisions, but investing
in a Ca rating should only be done if you have reason to believe that the company is about to make a turnaround.
|A company with this rating is probably going through serious financial upheavals. While your policy may still be safe, it would require further research before purchasing, and then only if a
market analysis indicates future growth is imminent.
Numeric Modifiers
Along with each letter grade, a number, 1, 2, or 3, may be appended to the rating. this number is used to "fine tune" the letter score, providing sub-grades within grading scale.
Lack of Ratings
Lack of a Moody's rating does not mean that the company is insolvent or a poor choice for an investment. What lack of rating indicates is that the company was either unwilling to participate in the rating system, or the necessary information was not available at ratings time. Far from being a bad score, having no score at all simply indicates that the company is either newly purchased or has undergone a restructuring that has not yet made it into the rating system. Additionally, some securities and other investment companies are exempt from the ratings, generally as a result of market
or SEC activity.
Ratings Changes
Ratings can change often. While it is not unusual for a financial company to maintain the same rating for months or even years at a time, the rating are updated regularly. For the consumer, updates in the ratings may only be apparent for companies that are experiencing financial stress or surplus. In the first case, the rating would go down, and in the second, if the rating was not already at the top tier, the rating would go up.


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- Home
- About Us
- Membership
- Finance
- Volunteer
- Program
- Buffalo Trail Scout Ranch (BTSR)
- Calendar
Call the Buffalo Trail Council at 432-570-7601 OR download an application form by clicking HERE and email it to firstname.lastname@example.com.
Cub Scouts are broken into a small group called a pack. The pack you join is up to you. You can look for a pack chartered by an organization you support, or simply choose the one closest to your neighborhood. With tens of thousands of Cub Scout Packs across the country, it shouldn't be hard to find one that fits you and your family.
Each pack has dedicated leaders and volunteers who are tasked with teaching Cub Scouts both fun and valuable lessons that will help them progress in the program and in life. But what makes Cub Scouts truly unique is the opportunity it gives the entire family to be involved in each child's development. From volunteering with the pack to leading activities at home, parents can take full advantage of the extra time they'll have participating in their Cub Scout's life.
Cub Scouting is the foundation of our organization. And while it is designed for boys in the first through fifth grades, this program really involves the whole family as parents pitch in to plan and deliver activities. Cub Scouting is affirmative and fun focused. There are currently 1.3 million Cub Scouts and 395,000 adult volunteers in the United States.
This is the traditional Scouting experience for youth in the fifth grade through high school. Service, community engagement, and leadership development become increasingly important parts of the program as youth lead their own activities and work their way toward earning Scouting's highest rank, Eagle Scout. There are currently 855,000 Boy Scouts and 485,000 adult volunteers in the United States.
While there is guidance from experienced leaders, Boy Scouts take their own lead, exploring places they've never been as they dive into the rugged world of outdoor adventure. With a spirit of teamwork, they pack up their Scout gear and their sense of adventure, and dive into the learning and excitement that comes from being in the brotherhood of the Boy Scouts.
Venturing is a coed program for young adults ages 14 (and have completed the 8th grade) through 20 that Venturing's motto, "Lead the Adventure," reminds Venturers to always pursue life in the spirit of adventure. There are currently 158,000 Venturers and 58,000 adult volunteers in the United States.
Venturers discover a world of excitement full of heart-pounding adventure and far-off travel, while they develop a lifestyle of genuine friendship and caring for others. From experiencing the thrill of zip lining and the accomplishment of summiting challenging peaks, to the heart-pounding charge of whitewater rafting and the thrill of scuba diving, in Venturing friends have the time of their lives while learning about life, together.