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One week has flown by since I arrived on Caribbean territory, and what an adventure it has already been! I must admit that the contrast between Pacific and Caribbean lifestyle and culture has come almost as a shock, but I have really been enjoying noticing all the differences that will often manifest themselves spontaneously and unexpectedly.
I am staying in what is called a hotel residence in Gosier, a touristy and populated area. I have a small studio with a little kitchenette, which from all places is outside on my little balcony. If I tilt my head a little to the right when leaning over the terrace, I see the beach and sea, and hear the waves from my bed at night. Like in a hotel, a maid comes in every day, and gives me new towels, and cleans everything from floors to dishes, which is definitely an added bonus. I found this place online as it offered very interesting discounts for people wishing to stay for long periods. I am very happy to have chosen this particular place, as it also comes with a pool, a private beach, a jacuzzi, a bar, a restaurant, and breakfast included! What more could I ask for in terms of accommodation?
However, one must note and understand that Guadeloupe isn't the safest place for a young solo girl to freely hang out in, especially at night. I had read and was expecting the island to be a bit dangerous before arriving, so I have my wits about me on a daily basis. Before landing late at night in Pointe-à-Pitre, I phoned the residence up to make sure they would organize a pick up for me at the airport. Admittedly the pick up driver was a bit scary, and was giving me instructions to meet him the following day to cruise around the coast. I believe his intentions were good, but his manner was forceful, and when dropping me off at the hotel, he even urged the receptionist to get him a room – the receptionist shoed him out of the hotel. Twice, because he insistently came back.
The island of Guadeloupe has been hit by a few crisis, and it is visible especially in the Gosier area. The first crisis happened a few years ago when a Guadeloupian strike resulted in a lot of expat European French people having to be shipped back to France. A tourist crisis has also seriously hit the island, as a lot of people nowadays do not have the financial means to get transatlantic flights and exotic hotels. All this is very visible and palpable when walking the streets of Gosier – many hotels stand abandoned, dilapidated, broke, empty, many shops and boutiques are closed, or only open a few days a week at 4PM. There is a sense that Gosier is bitterly nostalgic of a time when things were more lively, colorful, productive.
There is a hotel not far from my residence which is visibly dead, but what is shockingly striking is the fact that there is a lonely cow just outside grazing the hotel's front lawn – a cheap way of keeping the grass from growing too much whilst the dusty hotel reminisces on better times.
But it is not all doom and gloom, and thankfully so – the island is full fruit fields and plantations, beaches, bountiful sea life, delicious treats, and what I consider as most important, rich musical talent. Traditional Guadeloupian music is called 'Gros Ka', which consists of strong drum percussion and vocals. People, men mostly, will hang out and jam together spontaneously on sea sides and in villages. One often sees groups of 15 to 20 men drumming, singing and dancing together, oozing with energy.
Just when I thought I was in need of some sort of a body guard to be able to fully explore and make the most of my discoveries around the island, I met Arnaud, a hench tall French chap who is also temporarily staying in the Canella Residence as part of his job. He is also a keen traveller, and we have been exploring as many local environments together as possible. We have been to restaurants, bars, beaches in Sainte-Anne, Baie Mahault, Le Moule, and yesterday we circled Basse-Terre, which is the lower part of the island of Guadeloupe. I got to see waterfalls, tropical jungles, black sand beaches, enormous banana plantations, many many sugar cane fields and their neighboring rum distilleries, and I even visited a coffee museum.
But the real cherry on the cake was attending last night's carnival in Pointe-à-Pitre. It was absolutely amazing, full of rhythm, life, color, children, adults, costumes, instruments, and was very much a local situation as Arnaud and I were part of the rare white people airing around the city. From 7PM to 10Pm the streets were full to the brim and different groups stampeded around, appearing from different lanes and roads. Percussion, percussion, percussion – this was the main theme, and thus lots of dancing. It was literally difficult to stand still, you had to move and nod your head to the incessant vibrant rhythm of the night. What an evening! We followed the remaining group at the closure of the festivities, shuffling our feet, banging our heads, clapping and laughing as everyone around us did the same, just focusing on one thing: following the music.
And that is exactly what I have come here for, and what has motivated me to travel from the outset.


text: Press Articles The Purist highlights Reiko Design. The Hamptons Beach Magazine profiles Reiko Design. See the Brooklyn loft project featured in Aspire Magazine! Reiko is profiled in Elliman Magazine. The home and business of Reiko Gomez is the subject of a front page article in the Real Estate section of the Sunday Times. A slideshow and audio tour of Reiko's home with feng shui tips and remedies. In-depth interview with Reiko, along with feng shui tips and photos of her Hampton's home. Reiko is the featured specialist in this humorous search for the perfect home office desk. A nice multimedia slideshow is included in the article. Reiko's work for a celebrity residence. Reiko's interview on Martha Stewart Radio: "Feng Shui for Healthy Living" Reiko uses feng shui to enhance the romantic life of one writer. Reiko's thoughts on selecting a feng shui friendly sofa. Reiko selected as one of the Top 10 Interior Designers in New York. Profile of Reiko Design's Client: Amore Pacific Spa Reiko's tips for creating a successful trading room floor using feng shui principles. Reiko's tips for designing a child's room with good Feng Shui. "Feng Chic" A profile of Reiko's work. Media Watch Reiko give an exciting tour of one of her projects: the Amore Pacific Spa in Soho, New York. Watch as Reiko performs a Feng Shui overhaul of Kimora's office and store, making the spaces ready for the role out of an exciting new product line. Reiko redecorates the home of celebrity stylist, Ellin LaVar, using Feng Shui principles to help create a relaxing, elegant oasis.

subset: commoncrawl


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Marvin Screen Door Track - Individuals who wish to buy retractable screens may ensure the caliber of the retractable screen doors. They must also look at the cost, procedure of using, durability, security aspect and procedure of installation etc. It is advisable to go by way of merchandise review or a trusted buying guide concerning the screen doors before going to buy them. Black screens are also available though the majority of these for glass doors are white and black color is preferred by many people.
Screens which can be made of fiberglass are of better durability. As the name indicates when not in use, the screen retracts indoors. This attribute causes it to be quite suitable to work with these screens. These screens are expensive and DIY procedures are also available for installation of the doorway. All the top brands of the screen doors are and are strong in addition to long-lasting to be set up by the client services staff of the company.
A few of the screens are supplied with a powder coating also. They can be supplied with a speed reducer so your screen will not snap back. Some of the doors have a more elegant appearance and have openings that are large.
The door that is retractable appears more notable than the standard swinging door. The main benefit of this sort of door is that the door is concealed when not in use. The doors are with guarantee up to 3 years and normally, the frameworks are made of aluminum. These screens have become suitable to use.


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Employee Car Ownership Schemes (ECOS): loans
Introductory remarks, common to this section of the guidance
Unlike car benefit and car fuel benefit, no single body of legislation deals with ECOS. Instead, the relevant law when considering ECOS is drawn from various parts of the employment income and NICs legislation.
This guidance does not attempt to cover all relevant parts of the legislation in detail. Instead, it seeks to draw the essential aspects together in order to identify where tax and/or NICs can be payable under the normal benefits and expenses rules as they apply to ECOS.
The same principles apply to ECOS vehicles as to any privately-owned vehicles used for business travel.
Unlike the remainder of this manual, EIM31500 to EIM31599 cover both tax and NICs.
The guidance about payments received by the employee in person and payments of the employee's personal/pecuniary liability relies on the payment being non-repayable. If it's in the form of a loan, the position is different as described on this page.
Genuine loans
A genuine loan is not earnings for either for tax or NICs but is instead subject to the beneficial loans legislation. You can find guidance on this for tax starting at EIM26100 and for NICs at NIM13150.
Other payments described as loans
There is one exception to the rule above. We do not accept that a payment in respect of business fuel expenses already incurred can be described as a loan in any meaningful sense.
Such a payment is in principle immediately taxable as an expenses payment under section 72 ITEPA. Because it's a Mileage Allowance Payment (MAP), actual chargeability is subject to exemption as AMAPs. As a MAP, it's also Relevant Motoring Expenditure (RME, Reg 22A(3)(b) SSCR 2001, SI 2001 No 1004, as amended by SI 2004 No 770; see NIM05815). RME is added to other earnings in the earnings period to the extent that it's not covered by the Qualifying Amount, QA; see NIM05810.
Other kinds of transaction in favour of the employee
These are listed with links to the relevant guidance at EIM31520.


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Both small handheld fans and large electric fans can be placed strategically around the wedding so that your guests don't feel like they are melting in the heat of a Tennessee summer day. There are lots of kits available so that you can turn handheld fans into wedding programs, allowing them to serve two purposes at once plus add a very nice touch to the overall look of your wedding. Larger fans can be rented to keep a refreshing breeze blowing for all to enjoy. Just make sure that you place them so that the wind is not too strong on any one particular area.
If a large part of your wedding will be held outdoors, you may want to add a pretty canopy off to the side so that it is easy for guests to find some shade nearby if they want to get out of the sun. You could also find some lovely parasols to pass out to guests so that they can shade themselves, and these are a unique option to have the bridesmaids carry instead of bouquets.
Luckily, here at our rustic wedding venue near Knoxville, there are already plenty of spots to find some shade around the venue. Your reception will most likely take place inside our spacious wedding barn so your guests won't have to be out in the sun for too long.
Ice-Cold Drinks
It is extremely important to keep everyone at your wedding hydrated on a hot day. Make sure that there is water readily available at all times. You could set up a table with beverage dispensers off to the side, and you could even offer fruit-infused varieties of water for guests to enjoy. Another idea is to have coolers filled with ice and water bottles, and you pitchers or carafes of water placed on each reception table is a nice touch too.
As for the other beverages that you will be serving, having bottles or cans available for guests to grab from some type of cooler helps to avoid anyone having to wait in a long line for a drink. Some drinks could also be placed inside self-serve drink dispensers on the table next to the water. Frozen fruit or reusable ice cubes will keep the containers cold without watering down the drinks inside.
Iced Down Washcloths
This may sound strange, but the result is magical on a hot day! Fill a cooler full of ice water and then place washcloths inside of it. If you want to stay on-theme, use washcloths in your wedding colors. When anyone at your wedding feels overheated, they can place one of the washcloths on their neck and they will instantly feel refreshed. Your wedding party will especially appreciate this "cool" trick.
Frozen Treats
Last, but certainly not least, plan to serve a few ice-cold treats along with the wedding cake for dessert. Ice cream pairs deliciously with cake, and you could even add to the fun of eating it by setting out toppings and letting guests build their own sundaes. You know those popsicles that start as a liquid in a plastic tube that you place in the freezer to set? They are inexpensive and can be placed in buckets of ice for guests to easily grab. Another fun cold dessert is sno-cones. Machines can be rented to make the ice, and you could even offer adult versions from the bar.
Our scenic outdoor wedding venue near Knoxville is a beautiful place to say "I do" and if you use some of the ideas above, tying the knot on a hot day won't be a problem for you or your guests. Plus, with the shady areas and indoor options available to you at Country Jewell in Heiskell, there are plenty of ways to get out of the sun when you need to. Come by soon and see the place for yourself. You're going to love it!
A delightfully quaint Knoxville wedding
& event venue.
6550 Hickory Valley Road
Heiskell, TN 37754
Visit our website: www.CountryJewell.com
Like us on Facebook
Follow us on Twitter


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The directory structure under Unix System Services (USS) is shown below. The space requirements are approximate upper limits.
Symbolic link to the zFS (Space: 200 MB, 200 Cyls, read/write) that contains executable binaries, setup scripts, configuration files, server key files, manual pages, documentation, license agreement, example JCL scripts.
After installation, Tectia Server for IBM z/OS consists of a directory structure under the zFS file system defined for it. The zFS is mounted onto a mount point defined at installation, and pointed to by the
Each z/OS user account that is accessed via Tectia Server or that runs SSH client programs normally has a USS home directory (
$HOME, for example,
/u/home1/username) and under it a
.ssh2subdirectory. The
.ssh2directory contains the user's configuration files and keys. The home directory is required if public key user authentication is used and if user-specific configuration is needed.
Space: 128 kB, read/write
The runtime programs of Tectia Server for IBM z/OS create the
$HOME/.ssh2directories as needed. If you want these directories to be a link to some other spot in your directory hierarchy, create the link before running the program.
Contains server process ID files and the default
Space: 256 kB (300 MB during installation), read/write/sticky.
/tmpdirectory must exist in advance and it must be user-writable and have the sticky bit on.
The sticky attribute for
/tmpcan be checked by observing the output of ls and verifying that the letter
tis present in the permissions field:
:> ls -ld /tmp/. drwxrwxrwt 89 WEBSRV SYS1 49152 Apr 11 14:43 /tmp/.
If the permissions differ from
rwxrwxrwxt, they must be adjusted with chmod:
:> chmod 1777 /tmp/.
Contains users' temporary files used in Secure Shell agent forwarding.
The agent forwarding status files are temporary and valid only while the actual user process is running.
Space: 12 kB for each user, read/write


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by Virginia Hart Ezell
The small arms community should remember its roots and work on
improving the internal functioning of weapons, rather than developing
peripheral products, such as laser designators and fire-control
devices, according to L. James Sullivan, a veteran small arms designer.
It takes longer for a soldier to reload—well over one minute—than
it does to expend all of the rounds in a single magazine, Sullivan
reminded a conference sponsored recently by the National Defense
Industrial Association in Little Rock, Ark.
Why not, he asked, take a look at some of the basic issues of the
design to help the soldier increase his ability to hit a target,
rather than invest millions of dollars in a weapon that is rapidly
becoming a Swiss Army Knife of rifles?
"Let's fix the inside before we start trying to fix
the outside," said Sullivan.
At the Joint Services Small Arms Symposium, Sullivan received the
Chinn Award, the highest honor bestowed by the Executive Committee
of NDIA's Small Arms Systems Section, in recognition of four
decades of design and engineering achievements.
George Chinn is considered by many as the master of military small
Sullivan is known for his work on the M16 family of weapons. He
is credited with adapting the design of Eugene Stoner's 7.62mm
AR10 assault rifle to a smaller 5.56mm version, which ultimately
became the now ubiquitous M16.
From his work with Stoner on the M16, Sullivan moved to Singapore,
to work on a new light machine gun for Chartered Industries, now
known as Singapore Technologies. The outcome was the 5.56mm Ultimax
light machine gun, noted by experts as one of the most manageable
light machine guns in the world. The secret of its manageability
is in Sullivan's patented counter recoil mechanism, making
the Ultimax not just a manageable full-automatic weapon, but a machine
gun that can be aimed.
From Singapore, Sullivan continued to move West, to Italy's
Beretta, where he worked on that company's assault rifle program.
Although not adopted, he did complete the design for a 5.56mm assault
rifle. Returning to the United States, Sullivan went to Sturm, Ruger
& Company, in New Hampshire, to work on the design of the Mini
14 rifle, which is still in service today with the U.S. Immigration
and Naturalization Service, as well as numerous police departments
and paramilitary forces around the world.
In addition to the Chinn Award, the executive committee decided
to recognize the often-overlooked sniper community. As the military's
missions have changed in recent years, the committee has recognized
that the precision shooter is an essential element of the equation,
whether the assignment is peacekeeping, peacemaking or full combat.
To recognize the sniper as a full and accepted part of that equation,
the small arms section instituted an award for the sniper community,
naming it after one of the nation's most successful snipers
of the Vietnam era, Marine Gunnery Sgt. Carlos Hathcock.
The Hathcock award this year was given to William "Bart"
Bartholomew, who retired from Maryland's Baltimore County
Police Department. A Marine sniper for four years, Officer Bartholomew
joined the police force in the 1970s. After several years on the
force, he joined the Baltimore County Tactical Unit and is credited
with establishing that force's counter-sniper program. He
established the Baltimore Country Counter-Sniper School, one of
only nine in the United States, modeled after the Marine Corps Sniper
School, in Quantico, Va. Under his guidance, the curriculum teaches
students that a sniper is not just a precision shooter. Instead,
this job encompasses a much wider range of skills and abilities.
To help promote sniper skills within that select community, Bartholomew
worked with staff at Heckler & Koch USA, of Sterling, Va., to
establish a counter-sniper competition, which has become an annual,
highly competitive event, attracting military and law enforcement
sniper teams from across the United States and around the world.
Virginia Hart Ezell is president of the Institute for Research
on Small Arms in International Security and a reserve lieutenant
colonel in the U.S. Army Ordnance Corps.
Front Page | Subscribe Now! | Order Issue | E-mail the Editor | Site Map
2010 National Defense Industrial Association \ 2111 Wilson Blvd., Suite 400 \ Arlington, VA 22201Tel: (703) 522-1820 \ Fax: (703) 522-1885


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Each Spring our ladies head to the mountains for a wonderful time of fellowship, teaching, discussion, and fun! If there is one event that helps ladies get connected with each other and with
God, this is it!
Occasionally we will have ladies fellowship nights at the church, monthly luncheons or game nights as well. Our church bulletin has details for these events.
Don't forget to view the current Growth Group Catalog and see what Bible study opportunities are available geared just for ladies.
Sunday Morning:
9:30am Bible study
9:30 & 11am Worship
(Nursery and KidzWorship provided)
AWANA 6:20-8pm
Axxis Students 6:00-8pm
Growth Groups:
Sermon based small groups meeting in homes throughout the week.
The Avenue Church
3030 Thatcher Ave
Pueblo, CO 81005
Phone: 719 561-1512
Or use our contact form.


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London Leather Dog Collar
Our products are delivered to you direct from the designer. Products are usually dispatched within 1-2 days of your order being received.
Some items are made to order and may take a little longer, and others may come from from Europe. Each item on the website displays shipping information in the product description. We have indicated where items are made to order or coming from abroad. This way you know roughly when you can expect your delivery.
UK mainland delivery starts at £3.95 for small items and we offer FREE SHIPPING on orders over £150.
Shipping to the EU is also available with small items starting at £6.95 and increasing with larger and more bulky items.
If you are based outside the European Economic Area and would like to place an order with StyleTails, please contact us at firstname.lastname@example.com to get a quote for delivery and to arrange the order.
Because our items come to you direct from the designer, products ordered together may not be shipped together. In the case of multiple shipments, you will only be charged one flat rate shipping fee per order as applicable.
If the delivery address provided is incorrect or you do not accept the goods, you will be responsible for the cost of redelivery.
Occasionally, some items may be temporarily out-of-stock. You will be alerted to any shipping delay at the time of your order.
Products ordered in the StyleTails Store are shipped to you direct from the brand and must also be returned directly to the brand. Most brands are based in the UK but some are located in Europe. All brands stocked in the StyleTails Store follow the StyleTails standard returns policy which states:
- The customer must notify StyleTails Store firstname.lastname@example.com within 7 days of receiving the item if they wish to return it
- Items must be returned within 14 days of receipt of the goods to be eligible for a refund
- The customer will be responsible for shipping costs for returning or exchanging items unless the items are faulty. Please be aware that some items come from from Europe.
- Returns of goods are only accepted if the goods are in the same condition as when they were received.
- We recommend items are sent via a traceable method and retain a tracking number. We can not be responsible if products are not received.
- For any enquiries about returns, please contact us at email@example.com
A note on measuring your dog:
Measuring your dog correctly when it comes to clothing and collars is very important and can save you the hassle of returning items. Please refer to our instructions on how to measure your dog here and on the product page for each item.
What size collar should I order for my dog?
The product page for each collar will display sizing information. Please ensure you measure your dog's neck correctly - around their neck, not their existing collar. If in doubt, please refer to our guide to measuring your dog correctly here
How do I know what size coat to order?
You will find a link to a size guide for each designer on their individual product pages. You can also view our guide to measuring your dog properly here
When will my item arrive?
Products in the StyleTails Store are shipped direct to you from the designer. Some items come from abroad and some are made to order just for you. Waiting times for each product can be found on the product page. For standard items being shipped to you from the UK, you can expect to wait between 2-7 days for delivery. Made to order products can take up to 28 days for delivery. If in doubt email email@example.com
Will all my items arrive together?
Items ordered are delivered direct to you from the designer. Items ordered together may not be delivered together. Waiting times and information regarding delivery can be found on the product page for each item
Can I return my item?
The returns policy for each designer is accessible from their product pages. Most items can be returned under the following conditions:
- You must notify us within 7 days of receiving the item if you wish to return it
- You must return the item directly to the supplier within 14 days
- The item must be returned in the same condition it was delivered
- You are responsible for postage and packaging on returns unless the item is faulty
For full details on returns, please view our returns policy here
Do you ship outside the UK?
For some items, we can offer delivery outside the UK. If you are based outside the UK, please email us at firstname.lastname@example.com with the items you would like to purchase and your delivery address. We will get back to you with a quote for delivery.
What currency will I be charged in?
All orders are charged in Great British Pounds
How can I contact you?
For questions relating to the StyleTails Store please email us at email@example.com
For design-minded dogs (and owners), comes Growlmama's luxury leather dog collar. The ultimate in understated cool, the London Dog Collar is hand-crafted in Spain from natural vegetable-tanned Spanish leather.
Why we love it:
Featuring a modern minimal design and "bombato" (padded) styling, it is finished with black hand-painted edges, hand-stitching and bespoke Growlmama nickel-free hardware in a soft gun-metal tone.
An additional ring at the back of the collar allows you to attach your lead without rubbing against the Growlmama ID tag.
Team with the Growlmama London Lead, Tidy and Carry in Camel or Nero for the ultimate dog-outing kit.
Alternately, mix and match with other Pantones in the London range so you can match your mutt to your wardrobe and create multiple looks for minimal effort.
Packaged beautifully in Growlmama gift box and dust bag that doubles as a re-usable tote.
Size: Growlmama sizing guide
- S Neck Size 20-29 cm, Width 1.5 cm
- M Neck Size 30-39 cm, Width 2.5 cm
Delivery: This item is shipped from the UK. Please allow 3-5 days for delivery.


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Tag Archives: Change
Gain New Life SkillsAugust 27, 2018
Last chance to join the NLP Life Skills – the next course is on Saturday 8th and Sunday 9th September. You can find full information about the September course here… This course looks at the importance of rapport and language, … Continue readingPosted in Health and Wellbeing, Latest News, Top Tips | Tagged Calm, Change, Confidence, health, Language, Motivation, NLP Life Skills, Rapport, Success | Leave a comment
Lightning Process: Solutions for Health and HappinessAugust 13, 2018
My London team created a very popular podcast series a few years ago – it's great for people wanting to find out more about the Lightning Process but also for those who have taken the course who would like to … Continue readingPosted in Health and Wellbeing, Podcasts | Tagged Anger, Anxiety, Balance, Beliefs, Calm, CFS/ME, Change, Choice, Coaching, Compassion, Confidence, Contentment, Courage, Energy, Fear, Forgiveness, Frustration, Grief, Happiness, health, Help, Illness, Language, Laughter, Lightning Process, Lightning Process podcasts, Lightning Process Practitioners, Mind-Body Connection, Overwhelmed, Perfectionism, Placebos, Positivity, Post-course support, Present, Regrets, Relationships, Resilience, Sleep, Success, Trust, Worry | Leave a comment
Learn New Life SkillsAugust 9, 2018
I regularly run a very popular course called NLP Life Skills – it's a two day course where you will be working personally with me to learn new tools to benefit your work and home life. The last course of … Continue readingPosted in Health and Wellbeing, Latest News, Top Tips | Tagged Change, health, NLP Life Skills, Success | Leave a comment
Skills for SuccessJuly 2, 2018
We received more lovely feedback about our newsletters: This is B R I L L I A N T Phil!! And so timely for me. Thank you! Thanks Phil, that really helped! Keep up the good work Phil, we all need … Continue readingPosted in Latest News, Top Tips | Tagged Change, health, Newsletters, Success | Leave a comment
Tools for ChangeJune 4, 2018
Recently we've had some great feedback about our newsletters – in these I cover a wide variety of topics providing you with insights, tools and solutions. Simple and delightful………..THANK YOU Thank you so much for your video. I now have … Continue readingPosted in Latest News, Top Tips | Tagged Change, Newsletters, Success | Leave a comment


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We find that it's possible to get a little too carried away when in the vicinity of mashed potatoesit's not that we wanted the whole bowl starting out, it just sort of happened. Anyway, we thought it would be a good idea to get creative and find a healthy way to get that same comfort food flavor and feeling from something a little better. Cauliflower! We love cauliflower and, if you don't already, we're going to get you love it too!
After trying this dish for the first time, we immediately decided we would find a way to work it into our weekly meal rotationit's creamy, flavorful and so much better for us than a steaming vat of mashed potatoes. You can have as much of these as you like (you might even end up liking them more than your traditional taters) and not have to feel guilty about it. Who doesn't love something delicious that's also good for you?! Try this as a side dish sometime this week and see if you don't feel the same!
Mashed Cauliflower
Serves 4-6
- 1 large head cauliflower, cut into florets
- 1/4 cup parmesan cheese, grated
- 2 tablespoons unsalted butter
- 2 tablespoons low-fat cream cheese, room temperature
- 2 tablespoons low-fat milk
- 1/4 teaspoon garlic salt
- kosher salt and freshly ground pepper, to taste
- fresh chives, optional
- Bring a pot of boiling water to boil.
- Chop cauliflower florets into smaller pieces and add to pot. Cover and reduce heat to medium.
- Cook for 6-10 minutes, or until cauliflower is cooked through and tender.
- Drain cauliflower (if you have a salad spinner, that can be a good way to get rid of excess moisture) or pat dry between paper towels and transfer to a large bowl.
- Add butter, cream cheese and milk to cauliflower and stir to combine.
- Stir in parmesan and season with garlic salt (and/or salt) and pepper.
- Using a potato masher, mash the cauliflower until desired consistency is reached, or use an immersion blender and blend until smooth.
- Serve immediately and enjoy.
Optional: you can garnish with any assortment of fresh herbs or serve as is.
Recipe adapted from Steamy Kitchen


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Blue West Equipment is a community-minded leader in Southern Ontario for Hyundai heavy equipment.
In addition, we sell and service various makes and models of new and used heavy equipment that will get the job done for all of your: construction, farm, and / or residential needs.
You can feel confident to buy new and used equipment from us, because we stand behind every deal, for the long-term. We firmly believe in keeping up-to-date with industry relevant training for our staff, giving you, our customer, a definite advantage and peace-of-mind.


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As we've been telling you over the past weeks, trouble is brewing in the far corners of the U.S. mortgage market. Today a new study from The Center For Responsible Lendingreveals that as much as 20% of subprime loans could go under. Not everyone agrees with those results and on today's "Street Signs" CNBC's Erin Burnett found out why.
Quick fyi: a subprime loan is offered at a rate above prime to individuals who do not qualify for prime rate loans.
Here are the key findings:
- 2.2 million subprime home loads made in recent years have already failed or will end in foreclosure
- The foreclosures will cost homeowners as much as $164 billion.
- 1 out of 5 subprime mortgages originated during the past two years will end in foreclosure.


text:
Log in with social networks:
Registration via social networks:
Use email from registration
Officially known as the Kingdom of Spain, Spain is a country located in south-western Europe and also includes two archipelagos. It is one of the largest countries in Europe having diverse landscapes and topographical features. Being one of the largest economies in the world, Spain is a highly developed nation with a high-income economy. Spain is also known for its rich heritage and culture that spans hundreds of years.
Tourism is a huge contributor to the nation's economy with over 80 million tourists every year. This staggering record makes it the second most visited country in the world. Madrid, Barcelona, and Valencia are some of the biggest and most visited cities in Spain. Spain has a lot to offer for its tourists ranging from winter sports, adventure activities, historical monuments, heritage sites, entertainment options, nightlife, and much more. The country also has a lot of religious significance and attracts a large number of visitors and pilgrims from the Christian faith every year.
As Spain encourages investors from all countries and backgrounds to buy properties within the country, it is fairly easy and simple to acquire a property. You can choose a reliable real estate agent or partner to help you get hundreds of good property deals around the country ranging from single houses, studios, apartments, among others. But is it a safe investment? Yes, it is! Due to huge demand from tourism each year and a constantly growing economy, the real estate market in Spain is quite stable. The country offers an extremely high standard of living and quality of life making it one of the best places to live in the world. Even if you are not staying in the country, you can always rent out your property to earn additional income from tourists and visitors.
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A top question I'm asked is, "How can we raise more money?" This is often followed by, "What about adding some revenue games at our fundraising auction?" Extra revenue generators can become a profitable and cherished part of your fundraising auction event. The best part is, they exponentially increase the fun factor too.
At many fundraising events, there's often a wide socioeconomic mix. Many guests who attend don't want, don't need, or can't afford to bid on a big-ticket auction item. But they do want to contribute and participate, and to have fun, too. By strategically placing a few carefully selected additional revenue activities into the event, an organization can engage everyone at a all levels.
That's why I love The Golden Paddle. Here's how it works.
The Golden Paddle energizes your audience, is a lot of fun, and gives a winning guest an immediate cash allowance that inspires lots of excitement, fun and increased bidding.
The winner has up to $10,000 in credit that must be used during the live auction and/or fund-a-need. The organization keeps the cash.
It's a raffle. For Golden Paddle, a limited number of tickets are sold. Most commonly, 100 tickets are sold at $100 apiece, for a total of $10,000. The winner is drawn immediately before the Live Auction with great golden excitement and a drum roll of course.
Create a special big "golden paddle" that golden volunteers bring to the winner. Each time your winner waves that golden paddle, your room erupts with excited increased bidding! Coach your auctioneer to have fun too.
Volunteers sell Golden Paddle tickets during the cocktail hour. The key to success if recruiting and training the RIGHT volunteers who are gregarious, love to sell and love your mission. The goal is to promote and sell all 100 tickets during this very short period of the cocktail reception so that you achieve the $10,000 mark before the live auction. (If you don't sell all 100 tickets, you offer a credit of what amount you raised. There is some magic to offering $10,000.)
The benefit of the Golden Paddle is that your winning ticket holder is given a credit for the amount sold in Golden Paddle, which to be used in the live auction, fund-a-need, or both. That way you as the organization keep the cash and the winner has the credit to use in the live auction and fund a need.
Important note: The Golden Paddle is a raffle. Be sure to check your state raffle laws and always secure a raffle or gaming permit.
The Kathy Kingston Disclaimer: Less is More!
Be strategic and preserve your guests' energy and generosity for your main fundraising—your live auction and fund-a-need. As you think about additional income producing activities, pick just one or two for your next event. After you use them, let them rest and try a few new ones. By rotating revenue-generating activities each year, you can keep things fresh. Then these interactive activities will continue to grab your guests' attention and produce significant additional revenue year after year.


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Masters in Accounting: Your Guide to an Advanced Accounting Degree
MastersinAccounting.info strives to be the most comprehensive resource for those interested in earning a master's in accounting (often abbreviated as MAc, MAcc, or MAcy) or master's in finance. On our site you will find student reviews, a jobs board, possible career paths, career outlook information, and salary outlook information relating to advanced degrees in accounting, as well as profiles of top programs and their ratings from various sources. Prospective students can also research online master's in accounting degree programs and schools. Use the directory below to find out more about launching your career with a master's degree in accounting or finance.
Table of Contents:
- Earning a Master's Degree in Accounting
- Reasons to Earn a Degree
- Course Requirements
- Educational Prerequisites
- Curriculum
- Best Value Master's in Accounting Schools with On-Campus Programs
- US News Top Masters in Accounting Schools
- Best Master's in Accounting Schools According to Professors
- Accounting Schools with the Highest 2013 First-Time CPA Pass Rate
- Online Master's in Accounting Degree Programs
- Accounting Schools by State
- Career Outlook for Graduates
- Career Interviews
- Salary Information
- Additional Resources for Prospective Students
Earning a Master's in Accounting Degree
A Master's in Accounting Degree (MAcc), also known as Master's of Professional Accountancy (MPAcy), is an advanced, graduate-level business degree focused on a curriculum that prepares individuals to work in the accounting field in various roles, such as auditors at large accounting firms, management positions in corporate accounting, or as Certified Public Accountants (CPAs) for individuals or businesses. Graduates are prepared to take the Uniform Certified Public Accountant (CPA) exam, which is required for CPA licensure in most states and is expected for many advanced accounting jobs.
Reasons to Earn a Degree
The curriculum covered in a master's in accounting degree program is focused primarily on fundamental concepts of accounting, effective accounting methods, and gaining the knowledge required to pass the CPA exam. An individual with talent and interest in working with numbers and strong attention to detail can excel in this career field. The demand for skilled accountants is strong and as a result, companies offer attractive salaries that can exceed six figures. There are also strong opportunities for accountants to advance to upper management positions such as CEO of a corporation. If you prefer to be your own boss, you can start your own accounting firm and provide accounting services for businesses or individuals.
Course Requirements
A master's in accounting degree program often takes one year of intensive study as a full-time student or longer as a part-time student. The course topics vary depending on the school and may include tax and auditing courses, business electives, and financial analysis courses.
Educational Prerequisites
Typically an undergraduate degree in accounting is not required in order to be admitted to a graduate accounting program, though if your degree was outside of business there may be prerequisite courses to complete before starting your master's degree program. Prerequisite coursework may include basic accounting, pre-calculus, and statistics. A satisfactory score on the GRE or GMAT is usually required for admission as well as some prior work experience. Schools may also require a satisfactory grade point average in undergraduate coursework.
Master of accounting degree programs typically focus on advanced level accounting topics, methods, and theory. As such, the coursework for a master's in accounting degree program may include:
- Financial Decision Making
- Applied Statistics for Business Decisions
- Financial Accounting
- Corporate Financial Reporting
- Financial Statement Analysis
- Auditing and Assurance
- Federal Taxation
- Contemporary Issues in Accounting
- Computer-based Information Systems
- Business Taxation
Best Value Master's in Accounting Schools with On-Campus Programs
To help you in choosing the best master's in accounting school for you, we have researched the top affordable schools in the country offering a master's degree in accounting on-campus. To make our list, the schools had to have a graduation rate of 85% or above and a net annual price of less than $20,000. A high graduation rate is usually considered a benchmark for a university's success and a low net price is important for students as they consider the overall investment represented by a master's degree. In addition to this information, we have also included in the table below other important factors, including retention rate, transfer out rate, percentage of faculty with tenure, and US News & World Report rankings. You can sort the table by any header by clicking on it.
|Grad Rate1
|Retention Rate*1
|Transfer Out Rate**1
|Student Loan Default Rate1
|% Tenured Faculty2
|US News National Rank3
|Net Price1
|University of Florida
|#35 tie
|University of North Carolina at Chapel Hill
|#30 tie
|Brigham Young University-Provo
|#66 tie
|University of Wisconsin-Madison
|#49 tie
|University of Georgia
|#46 tie
|College of William and Mary
|#38 tie
|University of California-Davis
|#30 tie
|University of Maryland-College Park
|#63 tie
|University of Michigan-Ann Arbor
|#27 tie
|University of Virginia-Main Campus
|#25 tie
|University of Connecticut
|#63 tie
See Table Notes and References at bottom of page.
US News Top Masters in Accounting Schools
US News & World Report ranked the following schools as having the top 10 accounting graduate programs in the country based on factors such as recruiter assessment, mean starting salary, employment rates, and student selectivity.2
1. University of Texas-Austin (McCombs)
The McCombs School of Business at the University of Texas-Austin offers a Master in Professional Accounting (MPA) that is open to students who hold a bachelor's degree in any academic field. Students with an accounting background can typically complete the program in 36 credit hours or three semesters, while students from other academic backgrounds usually complete a 42 credit hour program across four semesters. Team competitions, workshops, distinguished speaker lyceums, and internships are integrated with the curriculum. Students may choose one of four specialized tracks in financial reporting and assurance, managerial accounting and control, taxation, or an individualized generalist specialization. Graduates of the program are prepared to sit for the Uniform CPA Examination. The MPA program is consistently top-ranked by US News & World Report and the Public Accounting Report, among others.
2. University of Pennsylvania (Wharton)
The Wharton School of the University of Pennsylvania awards a Master of Business Administration in Accounting with a focus on concepts and applications for accounting data and analysis as well as training for leadership. This three-year degree program is offered through the ABA Stonier Graduate School of Banking and typically qualifies students to sit for the Uniform CPA Exam. Students may have the opportunity to complement the core curriculum with electives such as Advanced Corporate Finance, Competitive Strategy, and Entrepreneurship and Venture Initiation. Wharton also offers distinctive opportunities such as Global Career Treks and the Wharton International Volunteer Program. Wharton's business school faculty are distinguished by their top publication and citation rates, and students further benefit from individualized career advising and access to Wharton's extensive alumni network.
3. University of Chicago (Booth)
The University of Chicago Booth School of Business offers a Master of Business Administration with a concentration in Accounting that can be pursued full- or part-time. The full-time program is 21 months in length, while the evening and weekend programs are designed to be completed part-time in 2.5 to 3 years. In all programs, the curriculum is built around one required course in Effective Leadership, allowing students an exceptional degree of personalization in choosing courses to complement individual career goals and objectives. Students pursuing an MBA at Chicago Booth may additionally take up to six free courses after meeting graduation prerequisites through the Take 3 and Alumni Post-Graduate programs. Chicago Booth has developed what it calls the "Chicago Approach to Business Education", which emphasizes conceptual knowledge as well as real world applications for executives, and its faculty are internationally renowned for their academic and professional contributions to accounting practice and policy.
4. University of Illinois – Urbana-Champaign
The University of Illinois Urbana-Champaign offers a Master of Science in Accountancy (MSA) program that emphasizes career development for students with both limited and strong backgrounds in accountancy. The MSA program cohort begins in June of each year and requires 32 semester hours to complete. The curriculum for the MSA can be customized according to the student's background and individual career and education objectives. Courses are led by faculty with extensive experience, with a focus on hands-on training as preparation for in-demand advanced career fields including public accounting, banking and financial services, and consulting. The undergraduate and graduate accounting programs at the University of Illinois at Urbana-Champaign are consistently ranked among the best accounting programs in the US by such publications as BusinessWeek, US News & World Report, and the Public Accounting Report.
5. University of Michigan – Ann Arbor (Ross)
The Stephen M. Ross School of Business at the University of Michigan-Ann Arbor offers a Master of Accounting (MAcc) degree program that prepares students for the increasingly cross-disciplinary focus of accounting practice by combining the study of accounting, finance, and management. The MAcc is a full-time, cohort program that begins in the fall semester. MAcc students take courses integrated in the Master of Business Administration curriculum, including accounting and finance electives. In the final spring semester of the program, students attend the Ernst & Young Accounting and Public Policy Symposium in Washington, DC as part of a graduate research seminar. This allows students to experience the interaction between public policy and business firsthand. Graduates of the program are qualified to sit for the Uniform CPA Exam and receive career search advice beyond graduation through the University of Michigan Alumni Career Services department.
6. Stanford University
The Stanford Graduate School of Business offers a Master of Business Administration program that can be tailored with a concentration in accounting through electives during the second year curriculum. The MBA program typically requires two years of full-time study to complete and emphasizes leadership, analysis, and creative thinking to encourage business innovation. During the first year of the program students focus on general management perspectives and foundations and complete a required global experience through one of many international study options. The second year of study is devoted to fulfilling degree requirements through electives, which may also include compressed courses in the form of intense business seminars between one and two weeks in length. Stanford University is globally recognized for the quality of its business education programs, and its faculty include Nobel Laureates and other leaders in academics and research.
7. Brigham Young (Marriott)
Brigham Young University offers a Master of Accountancy degree through the BYU Marriott School of Management. This full-time program can generally be completed in one and a half to two years. Students may enter one of two standard tracks or "stems" upon acceptance to the program, professional accountancy or taxation. Students in either track may additionally elect to pursue a second focus area in Accounting Information Systems by tailoring elective choices to courses within the accounting information systems core. Students in all tracks graduate with a deep understanding of accounting and auditing practice, standards, and ethics, and are prepared to assume positions of leadership in the accounting field. The Marriott School of Management has been cited as a top-ranked graduate school by numerous publications, including the Public Accounting Report, US News & World Report, and Forbes.
8. University of Southern California (Marshall)
The University of Southern California offers a Master of Accounting program through the USC Marshall School of Business and the USC Leventhal School of Accounting. This full-time, one-year program emphasizes conceptual thinking and problem solving as well as life-long professional development and learning. Graduates of the program will also have a firm understanding of accounting ethics and professional standards and be prepared to apply global perspectives in a business environment. The faculty of USC Marshall and USC Leventhal are productive academic scholars and business professionals with a reputation for advanced research. Students and graduates can find further benefits through the school's Corporate Connections, which helps students find career resources and make connections with school alumni and others in the fields of accounting, business, and academia.
9. New York University (Stern)
New York University's Stern School of Business offers a Master of Business Administration that can be customized with up to three specializations from across 24 fields including Accounting, Corporate Finance, and Financial Systems and Analytics. With full-time study the MBA program can be completed in two years, or students can elect to pursue part-time study in evening and weekend classes to complete the degree in two to six years. Students who specialize in accounting graduate with a comprehensive understanding of accounting, competitive advantages and information systems in accounting, and management practices. New York University Stern is ranked among the top schools in the world for research productivity, and New York University has been recognized as a top graduate school by US News & World Report, Times Higher Education, and other prestigious publications.
10. University of North Carolina-Chapel Hill (Kenan-Flagler)
The Kenan-Flagler Business School at the University of North Carolina-Chapel Hill has a Master of Accounting program that can be completed in one year of full-time study. Leadership and communication are focuses of this academically rigorous program, which is led by faculty with extensive academic and professional experience. Technical proficiency and development are emphasized through the integration of economics, behavioral science, and quantitative methods within each course in the curriculum. Courses are taught through 7 week or half-semester modules, or two modules per semester. Students can access competitive professional networking opportunities through the curriculum as well as through the university's career services. Additional professional and research opportunities are available through the Kenan Institute and other professionally-focused business institutes and centers at UNC. The Kenan-Flagler Business School is highly-ranked by US News & World Report and the Public Accounting Report.
Best Master's in Accounting Schools According to Professors in 2016
The Public Accounting Report ranks accounting programs annually based on a survey of accounting professors at over 200 colleges and universities across the United States.
- University of Texas
- Brigham Young University
- University of Illinois
- University of Notre Dame
- University of Michigan
- University of Southern California
- Indiana University
- University of Mississippi
- University of Alabama
- University of Georgia
Accounting Schools with the Highest First-Time CPA Pass Rates in 2015
This ranking includes schools with 10 or more reported candidates. For all candidates in the United States, the first-time pass rate was 55.0% in 2015 according to NASBA.org. You can find more information and specific statistics on the 2015 NASBA Uniform CPA Examination Candidate Performance Report, University Edition.
- University of Pennsylvania 90.6%
- University of Georgia 88.4%
- Washington University in St. Louis 86.9%
- University of Florida 85.5%
- Northwestern University 85.3%
- Brigham Young University 84.8%
- University of Wisconsin-Madison 84.5%
- Masters College and Seminary 84.2%
- University of Notre Dame 84.1%
- Vanderbilt University 83.2%
Online Master's in Accounting Degree Programs
For prospective students who do not live near a campus that offers a master's in accounting program or for those who prefer the greater flexibility and time savings of completing a degree from home, an online MAcc program may be right for you. Numerous colleges and universities maintain accredited online programs for those interested in a graduate-level accounting education. To learn more, visit our online master's in accounting guide.
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Accounting School Information by State
We have researched and published accounting school information at the state level to help you become an accountant. On the following pages you will find quick facts, the top masters in accounting programs, profiles of well-known schools, top accounting firms, salary and job outlook information, as well as student reviews and other information to help you make an informed choice.
- Select One
- Alabama
- Alaska
- Arizona
- Arkansas
- California
- Colorado
- Connecticut
- Delaware
- Florida
- Georgia
- Hawaii
- Idaho
- Illinois
- Indiana
- Iowa
- Kansas
- Kentucky
- Louisiana
- Maine
- Maryland
- Massachusetts
- Michigan
- Minnesota
- Mississippi
- Missouri
- Montana
- Nebraska
- Nevada
- New Hampshire
- New Jersey
- New Mexico
- New York
- North Carolina
- North Dakota
- Ohio
- Oklahoma
- Oregon
- Pennsylvania
- Rhode Island
- South Carolina
- South Dakota
- Tennessee
- Texas
- Utah
- Vermont
- Virginia
- Washington
- Washington DC
- West Virginia
- Wisconsin
- Wyoming
Career Outlook for Graduates
The accounting profession is projected to experience faster job growth than most other professions over the next decade, according to the US Bureau of Labor Statistics (BLS). The BLS projects that employment for accountants and auditors will grow by 10.7% from 2014 to 2024, with about 142,400 new jobs expected to be added during this period.1 Compliance with increased financial regulation is one factor driving demand for skilled accounting professionals.
Career Interviews
Our accounting career interviews feature successful accounting professionals who share their career journeys and advice for students who are just starting out. You can click on the profile images below to read the individual's interviews.
Russell Fox
Principal, Clayton Financial and Tax
Anthony Cantanach
Associate Professor, Villanova University
Bill Kennedy
Owner, Energized Accounting
William Byrnes
Associate Dean, Thomas Jefferson School of Law
See all of the interviews on our accounting career interviews page.
Salary Information
The median salary of accountants and auditors is about $67,290 per year and the top 10% of accountants earn more than $118,000 per year.1 See our master's in accounting salary and job outlook page for a sortable table of salary and projected job growth by state.
Additional Resources for Prospective Students
1. US Bureau of Labor Statistics Occupational Outlook Handbook, Accountants and Auditors: https://www.bls.gov/ooh/business-and-financial/accountants-and-auditors.htm
2. US News & World Report Best Accounting Grad Schools Rankings: https://www.usnews.com/best-graduate-schools/top-business-schools/accounting-rankings
Table Notes and References:
*The retention rate is the percentage of first-time, full-time students who continued to a second year of study at the same institution.
**The transfer out rate is the percentage of first-time, full-time students who transferred their credits to another institution within 150% of the normal time to complete their degree.
1. National Center for Education Statistics: https://nces.ed.gov/collegenavigator/
2. College Factual: https://www.collegefactual.com/
3. US News & World Report National University Rankings: https://www.usnews.com/best-colleges/rankings/national-universities
4. US News & World Report Regional University Rankings: https://www.usnews.com/best-colleges/rankings/regional-universities


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About the Dew-Not Dew Remover
NEW! Dual Channel Controller
Introducing Dew-Not's new Dual Channel Controller. Each channel controls two outputs for a total of four outputs. Each channel is capable of a duty cycle from 0 to 100% at the high setting. Learn more ...
Proudly made in the USA, the Dew-Not Dew Remover is a thick film heater manufactured for operation at 12 volts. Sixty-six percent of the surface area is heat emitting - this means more even heat distribution and no localized hot spots or burnouts often associated with resistance wire heaters. Protected by over 30 USA and international patents, and carrying more than 20 years of constant improvements and enhancements, the Dew-Not Dew Remover is the ultimate in reliability and efficiency.
Dew-Not is available for all popular sized telescopes and custom sizes are available upon request. Each heater comes with a standard six foot cord and phono-plug connector.*
Binoview is the ultimate binoviewer optic dew remover. Using the same technology as our standard Dew-Not dew remover, Binoview helps ensure the clearest nighttime viewing possible. Includes tandem wraps for Binoviewers-two 6" wraps joined with 4" jumper. One power supply cord. Power takeoff plug for powering heater for objective, Starbeam, etc.
Copyright © 2004-2013 Dew-Not, LLC. All Rights Reserved.


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How do you define your brand? Trendy? Funny? Irreverent? Caring? Elegant? How can you communicate the unique elements of your brand if you're playing a generic Message On Hold program? You can't. To effectively introduce your callers to your business as a brand, you have to weave your personality through all marketing outlets: press releases, websites, social media, print materials, and yes, Messages On Hold. Here are some ways for you to give your telephone hold message a little more personality:
- Change Your Music: When you choose the right music for your MOH, you should be selecting music that matches the tone of your brand and is appealing to your callers' sensibilities. Industry music trends can help you decide which genres are right for you and what kinds of music will make you stand out from the competition. Listening to your customers through surveys or social media is the best way to check if your hold music is spot on or terribly wrong.
- Use a Voice Over: A professional voice over talent who has voiced hundreds of on hold marketing scripts can help you communicate your content in whatever tone and style you want. Giving direction helps voice actors record scripts that meet your expectations and sound appealing to your callers. Voice over talent can help you bring your written script to life.
- Use your own voice: No one knows your business better than you and other company administrators. Using smartphone technology, you can record your own voice and have it mixed with the rest of your hold program, including music and professionally voiced messages. Use our Recording tips to ensure a clear, listenable read.
The key to creating personality in your hold messages is to be authentic. Don't push your business and your brand into a box where it's not comfortable. Since your brand is largely defined by your audience, it's important that all of your marketing content is appealing to them. And because 70% of callers will hear your hold message, it's important that your on hold marketing highlights your unique business personality.


text: Shop Baking Accessories & Gifts Mixing Bowls Home Made Traditional Stoneware 29cm Mixing Bowl Back to Mixing Bowls Home Made Traditional Stoneware 29cm Mixing Bowl £12.50 No ratings yet Qty 1 2 3 4 5 6 7 8 9 Add to basket Key Features Dishwasher, Microwave, Oven, Fridge and Freezer Safe Free Standard UK Delivery on Orders Over £30 Terms & Conditions Share Product DescriptionProduct InformationRatings & ReviewsDelivery & Returns Product DescriptionMixing your baking ingredients it usually the first step and you want to start right with this beautiful traditional stoneware mixing bowl. The angeled panel means it rest on your worktop, making mixing a lot easier. It really is a kitchen must have. Product InformationNutritionals per 100g: Sodium mgRatings & Reviews Reviews Unfortunately there are currently no reviews for this product yet! Leave Your Thoughts Unfortunately reviews are not permitted to non-registered users. Please Log in to leave your review or ask us a question. Delivery & ReturnsStandard Delivery Standard delivery costs £3.95 Your order will be delivered within 2-3 working days of receipt. You will receive an email confirming despatch of your order after which the order will be delivered within 48 hours of despatch from our warehouse. International Deliveries Unfortunately we do not offer international deliveries at this time Returns Please refer to our Returns and Refunds page for more information New Recipes, Straight to Your Inbox Get the latest special offers, competitions, recipes, news and Baking Mad views directly to your inbox! You Can Change Your Mind at Any Time - See our Privacy Policy for Details. Become a Member Get free entry in to our regular competitions Have a chance to become our baker of the month Help other bakers by rating and reviewing recipes Become a member


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Create an Account - Increase your productivity, customize your experience, and engage in information you care about.
Using the My Vote Wisconsin website you can see what your ballot will look like and who your candidates will be in the next election. Ballots will differ based on what supervisory/senate/assembly district you reside in. You will also be able to see municipal election information, as well as school district election information. You can also see where your polling place is located.
Click HERE to access My Vote Wisconsin
Click here to see a listing of Buffalo County Polling Places.
CFC Recorder November Absentee Notice
Buffalo County Journal November Absentee Notice
Mondovi Herald November Absentee Notice
Buffalo County Highway November Referendum Notice
November Sample Ballot - Assembly Dist. 92
November Sample Ballot - Assembly Dist. 93


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5 things bad guys are thankful for this week
For those of us living in the US, this week is when we observe Thanksgiving Day. That is followed by what's known as "Black Friday," which is the biggest shopping day of the year for retailers. What does that mean? Other than chaos in the shopping malls and ridiculous traffic, it means lots of credit card transactions which will certainly make the "cyber criminals" salivate.
That got me thinking: If I were a bad guy, what are 5 things I'd be thankful for this week?
- People drop their guard for a good deal. There is some visceral response when people think they are getting a good deal – a lot of their normal caution and discretion goes out the window. For someone looking to gain access to your money or credit card information, this means it will be a lot easier to get if they make it sound like a great deal. Don't let your guard down – be careful where you shop, question any "too good to be true" offer, don't click on suspicious links, and make sure you take due care with your wallet.
- People are looking for good deals. Item 1 becomes even more interesting this time of year, because consumers are not only open to seemingly good deals, they are actively searching for them. When people's filters are relaxed, it's easier to take advantage of them. Be on your guard.
- Some of my targets just got a lot more interesting. WIth all the commerce going on this week, retailers and online merchants are collecting lots of money, which means they are also capturing a lot of credit card data. That means that all of these "targets" just got a lot more lucrative. It's kind of like the old Western movies where the bad guys want to rob a train because it's being used to transport a chest full of money for payroll.
- It's easy to hide in a crowd. Another benefit of the huge volume of commerce happening this week is that it generates a lot of transactions. Any time there is a lot going on, it is easier to "blend in" and do bad things without people noticing. This is why pickpockets are more successful in large crowds. The same applies to cybercriminals. Where there is a huge volume of transactions, there is also an increase in the number of security log events to sift through. As a bad guy, that means you might be able to slip through unnoticed.
- Lots of the people collecting credit card data aren't securing it very well. History (and the Verizon Data Breach Investigations Report) will tell us that a large percentage of people storing credit card data and personally identifiable information aren't covering the basics very well. Their system configurations are not secure; they are ineffective at monitoring and "catching the bad guys in the act." The bigger targets attract the most sophisticated bad guys, and the bigger targets can be just as sloppy with security as smaller organizations. This is why it's so important to have a well-understood set of security hardening standards, and to actually use them to harden your infrastructure.
So what do you say? This week (or any week for that matter) let's be alert, harden our systems, and avoid giving the bad buys something to be thankful for.
— @thatdwayne


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This Study Shows the Way to a Woman's Heart Is Her Stomach Too
In the midst of some bummer studies recently published, including this one that says wine is causing cancer and this one that says April babies are dictators, there's finally one that makes perfect sense.
A study conducted by Drexel University shows that women who are well fed are more likely to respond to romantic stimuli. The study consisted of young college-aged women who were put into an MRI before and after eating and monitored for how they responded to certain images. Co-author of this study, Alice Ely says they "found that young women both with and without a history of dieting had greater brain activation in response to romantic pictures in reward-related neural regions after having eaten than when hungry." This really brings new relevance to the phrase "hey, take a girl out to dinner first!"
The study also found that women who are "historical dieters" are "predisposed by their brain reward circuitry to desire food more than people who have not dieted," which may explain why some people find it difficult to commit to eating healthy 24/7.
After being told for years that the way to a man's heart is through his stomach there's something nice about knowing that the genders are not so different after all. Another recently published study says that it's actually women who make up over half of the pizza consumers in the US. So bottom line, if someone is trying to make you fall in love tell them they better bring a good 'za!
What food gets you in the mood? Tell us in the comments!
(h/t Drexel University)


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Over the past 40 years, CIC personal have designed, built and installed more than 200 furnaces for heavy industry, both foreign and domestic. We offer many options for your heat generation needs.
For the hot dip galvanizing industry, CIC Pittsburgh is a leading designer of energy efficient galvanizing furnaces, with the capability to aid in the design of plant layouts to make the most of your valuable work space. CIC also provides supporting equipment such as rack handling and transfer devices, furnace enclosures and flue gas heat recovery systems.
Read More
Heat Treating
CIC furnishes a variety of Heat Treating Furnaces to steel, titanium and specialty alloy industries including car bottom furnaces, annealing furnaces, lift-off hood furnaces and tip-up hood furnaces. Ladle Pre-heaters are an example of another product that is offered to steelmakers.
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Handling & Transfer Equipment
Material Handling and transfer equipment is the key to any good process system. CIC can tailor build and supply customized integrated equipment to meet your individual needs.
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Equipment Upgrades
If you're looking to upgrade your equipment, we can suggest replacements to increase efficiency and bring your production up to date with the most advanced and current specifications, codes and modern technology. In today's business climate, everyone is looking to make their plants and facilities more Eco-friendly. Adding a Heat Recovery System is a perfect way to make your process more efficient, save money and protect the environment all at the same time.
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CIC Pittsburgh also offers a wide list of additional miscellaneous products and services which include driers, heat reflective ceramic coatings, pump skids and OEM parts.
Read More


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FHA Guidelines and Changes Coming
Thursday, March 25, 2010
FHA is in the process of making some pretty big changes to their lending guidelines. FHA mortgage specialist Bill Skerbetz of Equity Resources (740) 349-7082 shared a useful worksheet with me that highlights 5 of the more key changes that are in the works for an FHA loan. This information is going to be very helpful for consumers thinking of buying or selling a home in the near future.
- FHA Financing Allowed for Properties Being Resold within 90-Days. FHA is allowing the use of FHA financing for properties being resold within the 90-day period after the previous acquisition. This is not limited to foreclosed properties. The purpose is to encourage investors that specialize in property renovation to acquire foreclosed and abandoned homes in an effort to increase the availability of affordable homes for homebuyers. In effect for all sales contracts executed on or after February 1, 2010 and will remain in effect for one year unless extended or withdrawn by the commissioner.
- Maximum Seller Contributions Reduced to 3%. Seller contributions to pay borrower closing costs is currently 6%, but will drop to 3%. Using $100,000 purchase price, that is $3,000 less the seller could contribute. This will go into effect this summer.
- Up-front Mortgage Insurance Increased to 2.25%. The Up-front Mortgage Insurance that FHA requires on most of their loans will be increased from 1.75% to 2.25%. This amount is added to the final loan amount, so there will not be additional funds needed at closing from the borrower. Good news is they will continue to allow this to be financed! Effective for FHA case numbers assigned on or after April 5, 2010.
- Monthly Mortgage Insurance Premium (MIP). They are pursuing legislative authority to allow flexibility to bring the annual MIP higher (currently capped at .55) so they can shift some of the premium increase from the up-front MIP to the annual MIP. The annual MIP is paid over the life of the loan instead of at the time of closing so this will reduce the impact to the borrower. This is still pending.
- Low Credit Scores. Borrowers with credit scores below 580 will now be required to put a least 10% down. This is kind of a non-issue because few lenders that offer FHA loans will accept credit scores below 620 in today's market. This will go into effect this summer.
Watch our website and blog for future updates as these FHA changes take place.
Sam Miller


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(This article was first published on Milk Trader, and kindly contributed to R-bloggers)
Storing your favorite R functions is best done by creating your own R package. This is a quick way to get started with two example functions.
To leave a comment for the author, please follow the link and comment on their blog: Milk Trader.
R-bloggers.com offers daily e-mail updates about R news and tutorials on topics such as: Data science, Big Data, R jobs, visualization (ggplot2, Boxplots, maps, animation), programming (RStudio, Sweave, LaTeX, SQL, Eclipse, git, hadoop, Web Scraping) statistics (regression, PCA, time series, trading) and more...


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Yet to capitalize on their indepth engineering in Indian market. Pricing for most of their models should be revisited as its on higher side compared to Nissan.
Yet to capitalize on their indepth engineering in Indian market. Pricing for most of their models should be revisited as its on higher side compared to Nissan.
Renault, a French automobile manufacturer is part of Renault-Nissan Alliance. In 2008, Renault formally stepped on Indian subcontinent and the first car to be rolled out was Fluence in 2011. Its earlier stint was with Mahindra, and Renault launched Logan which was a rebadged Dacia car in , but that was not a successful joint venture. Logan was launched in 2007, but did not find buyers in large numbers. Though most of its cars in India have not met with major success, Renault did win many fans with Duster, its first success in India. The other products, Scala and Pulse are rebadged Nissan Sunny and Micra, respectively. Duster boasts of an excellent suspension, and in its lesser power model, duster has very good driveability, almost lag free. Duster managed to grab reasonably good numbers. The alliance of Renault Nissan can do with better, more confident inspiring dealer and service network. Also, the need for better products from their global portfolio is certainly felt when sales figures are brought into picture. Renault-Nissan's range can also revisit their prices if an expansion of their presence it to be marked on Indian soil. Renault's Kwid, the latest blockbuster in economy car segment proves that excellent pricing and value for money products are not impossible for Renault to offer. There are several reports of not so good dealer experience which can be a long term deterrent. Renault Lodgy, a promising MPV could not survive thanks to exorbitant pricing for was it was offering. Renault did learn its lesson and Kwid is priced quite smartly and has managed to outsell Hyundai Eon in recent times. Europe is where Renault has a significant presence and brining in a few models at attractive prices is the future way for Renault in India. Renault also has a very competent range of diesel engines which can be brought in India with newer products. Renault has the potential to be a larger player, and Kwid looks like its first step towards it.
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Family Sedan


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Major challenges to the future prosperity of humanity and the well-being of our planet can only be properly addressed through scientific research and innovation breakthroughs.
But ideas alone are not enough.
Sparks & Co gives science a wider voice to help researchers in Europe communicate to help solve the challenges of the future. Inspired by the passion for what we do, we work to reduce the breach between society and science, spreading the real impact of our projects in the everyday life.
Successfully developing and implementing scientific discoveries that contribute to the improvement of mankind requires an effective communication & dissemination strategy that will enable you to engage, educate and gain support from your key stakeholders.
At Sparks & Co, everybody is a creative force. The team is composed of experts with just the right blend of skills. We are all driven by the same desire to solve every humanity's biggest challenges through powerful and targeted communications.
Communication Assistant (2017)
Working with Camille at Sparks & Co for 6 months was a huge delight. I can only recommend her management skills, her professionalism and her understanding. Besides, I am very grateful for the interesting and diversified missions which allowed me to really develop my expertise. And Camille's sense of humour made my experience at Sparks & Co even better!
Communication Assistant (2014)
I have worked with Camille for six months as Project Assistant on Horizon 2020 projects and it has been an eye opening experience. Her expertise and passion working in the science communication sphere is admirable. I have learned so much regarding this very interesting field and gained skills that will take me a long way in the communications field. Her patience and eagerness to support her staff in being just as good as her and her trust in us made us all want to deliver more! It has truly been a great experience for me. Not only have I gained lifetime colleagues but I have gained friends and new fans of my cooking!
Communication Assistant (2015)
As Communication Professional, it has been a mind-opening and refreshing experience to be part of a company that holds the mission of communicating science in the brightest way to help solve some of humanity's greatest challenges. With her passion and optimistic attitude, Camille entitled me for over a year to great responsibilities as International Cooperation Manager and trusted me fully since the beginning, allowing me to grow and learn fast as I accomplished each one of the objectives that we settled together as a team. I can only admire and recommend her leadership and determination to build and maintain a company with such deep-rooted values and promising future!
International Cooperation Manager (2015-2016)
Working as a Communication Assistant at Sparks & Co for a few a weeks was a rewarding experience. The very welcoming team composed of Camille, Mariana and Caroline, was seriously implied in making me aware of the importance and challenges of Communication and Dissemination for European Scientific Projects. I learnt the use of many communication tools and found myself very interested in writing articles. This will definitely impact my career plan!
Communication Assistant (2016)


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Part of National Museums Liverpool
Also in this section…?
When the United States entered the war in December 1941 the U-boat offensive moved to their largely unprotected east coast. Within weeks the huge losses of ships and supplies which they suffered were threatening the whole Allied war effort.
It was six months later before the Americans, under strong British pressure, finally introduced their own coastal convoy system. This quickly ended the U-boats' 'American Turkey Shoot', which had cost 149 ships, including many vital oil tankers totalling well over 2 million tons.
In early 1942 President Roosevelt set in motion 'the greatest shipbuilding programme in world history'. The aim of this huge government-sponsored scheme was to produce 750 new ships by the end of 1942 and a further 1500 in 1943. This amounted to three new ships every day.
To meet these targets, many new shipyards were opened and thousands of extra workers, male and female were recruited. Ships were built in sections of then assembled, like cars, on production lines. The first of 2,700 American-built 'Liberty ships', based on a British tramp steamer design, was produced in mid-1942. By the end of the year the Americans were building ships faster than the U-boats could sink them. The astounding success of the Liberty ship programme was to be a major reason for Allied victory in the Atlantic.
At least 290,000 civilian seafarers served in the U.S. Merchant Marine and Army Transportation Service during the war. Of these, over 114,000 received the Merchant Marine Combat Ribbon, indicating that they had been engaged in 'combat action'. Over 6,000 were killed while serving in merchant ships. The United States lost about 278 ships on North Atlantic and Arctic routes, almost one half of the total U.S. merchant ship losses during the war.
The 'Samarina', built by the Bethlehem-Fairfield Company of Baltimore, USA was one of a number of 'Liberty ships' transferred to British control by the US Government. Launched in September 1943, she carried valuable war cargoes throughout the rest of the war. Like all Liberty ships, she was of basic design, and rather an 'ugly duckling'. She had good anti-aircraft armament and her bridge was shielded by plastic armour (a British invention)
'Samarina' survived the war and was renamed 'City of Ely' after being bought by Ellermans Lines Ltd of Liverpool in 1947. She was sold by Ellermans in 1961 and scrapped in 1966.
From late 1942 the main U-boat attacks reverted to the North Atlantic convoys, especially in the dreaded 'Air Gap' to the south-east of Iceland. Despite the growing strength of the escorts and the steady rise in U-boat losses, the 'Wolf Packs' were becoming larger and more effective. By early 1943 the Germans were determined to achieve a decisive victory. The pressure of the convoys reached a peak in March 1943, when 98 ships were sunk. Once again, the Allies appeared to be on the brink of defeat in the Atlantic.
"In the U-boat war we have England by the throat..." Dr Joseph Goebbels, Nazi Minister of Propaganda, April 1943.
"In the U-boat war we have England by the throat..." Dr Joseph Goebbels, Nazi Minister of Propaganda, April 1943.
In 1942, some 8,400 British and Commonwealth merchant seafarers lost their lives in the Atlantic. Nearly a third of the crews of all ships sunk were killed. Government reports, however, revealed that morale was still remarkably high.
The spirit and courage displayed by Allied merchant seafarers of all nations and races was truly remarkable and was admired even by their German adversaries. Many of the people involved, however, felt that they were just doing their jobs, like millions of others.
"War didn't really come into it. We just thought we had a job to do." Ronald Woods, Cunard Line chef
Once at sea on the Atlantic, merchant seamen were always involved in the daily routine of watches (two and four hour working shifts). Off-duty time was mostly spent sleeping, playing cards or on other similar pastimes. Few dwelt much on the risks they were facing.
Whenever a convoy was under attack, however, it took great discipline and nerve to remain at your post. Engine room staff lived closer to death than those on deck. Their chances of survival were slight in the steam-filled engine room of a torpedoed ship. The crews of oil tankers knew that they were likely to be burned alive if their ship was attacked.
"No amount of publicity, no colourful write-ups, no guff about 'the little silver badge', above all no medals can do honour to men like these." Nicolas Monsarrat, HM Corvette (1942)
"No amount of publicity, no colourful write-ups, no guff about 'the little silver badge', above all no medals can do honour to men like these." Nicolas Monsarrat, HM Corvette (1942)
Larry Clarke, from Newton-le-Willows, Lancashire, was purser on board 'SS Norman Prince', which was torpedoed and sunk in the Caribbean by U-156 on 28 May 1942. 17 out of 49 crew members lost their lives in the sinking. The ship was on a voyage from Colon in the Panama Canal Zone to St Lucia in the West Indies. After 25 hours in a lifeboat, the 32 survivors were picked up by the Vichy-French steamer 'Anglouméme'. They were then kept in a prison camp (the Vichy government in Southern France having made terms with Germany) on the Island of Martinique for four months before being allowed to return to Britain.
Mr HJ Holliday of Birkenhead was a purser with the Liverpool-based Canadian Pacific Line when the war began. He served on ships managed by Canadian Pacific throughout the war, mainly in the Atlantic but also in the Mediterranean and the Far East. In late October 1942 his ship, the 3,000 ton 'Winnipeg II', in convoy from Liverpool to North America was sunk in mid-Atlantic by U-443. Holliday, along with nearly 200 other passengers and crew, spent many days in an open lifeboat before being rescued. He was later awarded the British Empire Medal for his conduct during this incident. Later in the war, Holiday was a crew member on a munitions ship torpedoed in shark-infested waters off Florida.
Captain George Duff, of Mossley Hill, Liverpool, was masterof the 'SS Empire Glade', managed by the Blue Star Line, which was sailing alone about 840 miles north-east of Trinidad when attacked by a U-boat (U-67) shortly before dawn on the 28 November 1942. Although the ship was badly damaged, with one crew member killed and several injured by shell fire, the enemy's fire was returned and the ship eventually made her escape. For his great courage and skill in conducting the defence of his ship, Captain Duff was later awarded the George Medal and the Lloyds War Medal for Bravery at Sea. Other medals for gallantry were awarded to six of his crew.
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