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Until recently, most private equity and venture capital firms ignored the adviser technology space, preferring instead to seek sexier — and often more lucrative — markets in consumer fintech.
But some recognized the adviser industry's desperate need for modernization — and its willingness to pay for it.
Today, new tools are digitizing everything from client onboarding and portfolio construction to back-office operations and compliance. Fintech has expanded who has access to financial advice and how advisers serve their clients.
In less than a decade, some startups have attracted billions of dollars in assets, while others have partnered with large financial institutions or have been acquired in blockbuster deals.
(More: How advisers can survive disruptive technology)
For these early investors, the digital revolution in wealth management has been a lucrative business. Their success has proven the viability of adviser fintech as an industry, encouraging new investments and accelerating innovation.
InvestmentNews spoke to a few of those early believers to find out what attracted them to adviser fintech, which investments were successful and where they are looking for the next big opportunity.
Steve Lockshin
The Robo Investor
PrincipaL and co-founder of AdvicePeriod
It's impossible to look at the landscape of modern adviser technology without seeing Steve Lockshin's footprints.
As an early investor in Betterment, Mr. Lockshin, 41, was instrumental in encouraging the robo-adviser to pivot from competing against advisers to partnering with them.
"Steve challenges the status quo and forces you to raise your game," said Cara Reisman, the head of Betterment for Advisers. "When he sees something exciting and new and makes sense for his clients, he's not shy about bringing it to your attention."
Mr. Lockshin's personal background in wealth management narrowed his focus as an investor to the sector of financial services he knows best. Now principal and co-founder of AdvicePeriod, a wealth management firm that typically advises on a client's total balance sheet, his former advisory firm Lydian Wealth Management reached $7.3 billion in assets under management before City National Bank acquired it in 2007.
Mr. Lockshin also co-founded Fortigent, a performance-reporting software that LPL acquired in 2012.
When he was introduced to Betterment in 2009, he saw technology that could disrupt an industry that was way behind the times. If advisers and Wall Street firms properly deployed digital advice, Mr. Lockshin believed it could "annihilate the old model."
The disruption has taken longer than he initially expected, but he sees robo-advisers from institutions like Merrill Lynch and BlackRock as proof that the revolution is happening.
"I don't know how long it will take for consumers to get that computers can do a better job with investment management than humans," Mr. Lockshin said. "I still think there's tremendous opportunity. I still think we're in the second inning."
Betterment now manages $13 billion in assets from 330,000 accounts. The company won't reveal how the assets are split among its retail service, advisory channel and 401(k) business, but did say more than 400 firms now use Betterment for Advisors.
Mr. Lockshin also has invested in Quovo, a popular data aggregation and analytics site for financial advisers; Advizr, an interactive financial planning software; and FeeX, a software that helps reduce fees in retirement and brokerage accounts.
Brad Bernstein
The Growth Guru
Managing partner at FTV Capital
Brad Bernstein could see the role of advisers was changing.
What was once an industry of investment managers and salespeople was shifting to financial planning. Driving the change was technology — automating and commoditizing many of the ways advisers traditionally added value for clients. Mr. Bernstein, 51, managing partner at growth equity firm FTV Capital, believed there was a demand for products that helped advisers better articulate their value to clients.
He wanted a company with a proven track record of success among advisers, and something that was decidedly not trying to disintermediate advisers in the retail market. He decided on Riskalyze, a technology company built around helping advisers objectively calculate a client's risk tolerance and align investment strategies accordingly. Mr. Bernstein led FTV Capital to invest $20 million into Riskalyze in October 2016.
Mr. Bernstein was interested in the way advisers used Riskalyze to "find the right way to help clients understand their goals, planning and investment strategies."
"If you can do that in a cost-effective and efficient way, that's incredibly valuable," he said. "The other thing I would say is [Riskalyze CEO] Aaron Klein has a vision, not just for what the product was then, but a roadmap for where this could go."
Mr. Klein said Riskalyze used FTV's investment to supercharge its growth — expanding from 90 employees to 210 and adding a new digital marketplace of model investments to Autopilot, its automated investing service.
It was Riskalyze's first infusion of institutional capital, and somewhat of a rarity among the B2B technology vendors.
"Most of the major players I know in the adviser space today that were privately funded were all solutions that were homegrown by advisers and self-funded or raised capital from friends and family," said Michael Kitces, partner and director of wealth management at Pinnacle Advisory Group. By involving outside capital, Riskalyze avoided the "sluggish growth" that challenges homegrown technology, he said.
Brooks Gibbins
The Outsider
Managing partner at FinTech Collective
With trillions of dollars in client assets still being managed by legacy systems designed before the dot.com era, it was only a matter of time before outside investors saw the potential for financial technology to disintermediate the industry.
That's what attracted Brooks Gibbins, 45, to the industry when he founded FinTech Collective with his partner, Gareth Jones, in 2012. The venture capital firm has been one of the most active early-stage fintech investors over the past five years, seeding some of the biggest names on the adviser fintech scene.
When the two first looked at wealth management, they wondered how the industry could sustain charging 150 to 200 basis points for active management when digital advisers were approximating outcomes at a fraction of the cost.
"In the next five to 10 years, you're going to have robot-assisted advisers, and human-assisted robots," Mr. Gibbins said. "We really looked at that and the role of the adviser and thought that it was going to be a space where you're going to see a lot of retooling."
FinTech Collective dove into the industry with investments in Quovo, a company that provides data aggregation and analytics for advisers and fintech companies, and NextCapital, an institutional robo-advice platform that now counts John Hancock Retirement Plan Services, Transamerica, State Street Global Advisors and Russell Investments among its roster of clients.
Mr. Gibbins took an active role in the early days of NextCapital, introducing co-founder Rob Foregger to other capital investors and aiding in board construction.
Mr. Gibbins said that while many VC firms got caught up in the hype surrounding the sleek user interfaces of direct-to-consumer robo-advisers, he wanted FinTech Collective's investments to focus on deeper questions, such as how technology could improve yield on assets. FinTech Collective's portfolio also includes Artivest, Openfolio and Vestwell.
Mr. Gibbons believes technology is in the "super early" days on the retirement side of financial planning and will soon have its moment in the sun.
"Robo was super interesting in 2015 and 2016, and financial planning was hot last year," he said. "Retirement we'll hear a lot more about in 2018."
Ian Sheridan
The Explorer
Principal, co-founder and managing director of Vestigo Ventures
Seeing the opportunity for adviser fintech startups to get acquired by, or partner with, financial institutions, Ian Sheridan decided to draw on his more than 25 years of experience in the financial services industry — working in wealth, retirement and investing in startups — to identify which technology would be part of the next wave of innovation.
Partnering with Mark Casady, the former CEO and chairman of LPL Financial, and Dave Blundin, the founder and chairman of Cogo Labs, Mr. Sheridan, 52, in 2015 co-founded Vestigo Ventures, a new VC firm named after the Latin word for investigate or explore.
The company's first investment was an early-stage round in LifeYield, a software that coordinates and optimizes tax efficiencies across an entire household rather than single accounts. Mr. Sheridan said a follow-up round yielded a 25% write-up, and in November 2017, Morgan Stanley announced a partnership to provide LifeYield to its 16,000 advisers.
Before making the investment, Mr. Sheridan and his partners spent a year analyzing the marketplace and how VC companies were investing. Robo-advice was still the opportunity du jour, while existing adviser technologies focused more on digitizing existing adviser workflows.
What Mr. Sheridan wanted was to find a technology that would help advisers generate alpha for clients by, for example, optimizing asset location or by making intelligent withdrawals across accounts.
(Special Report: Digital Disruption: advisers brace for impact)
"We see LifeYield as the only tax-efficient software that's actionable across multiple accounts and empowers the adviser," he said.
LifeYield CEO and co-founder Mark Hoffman attributed his company's early success to Mr. Sheridan's and the other Vestigo partners' experience in the industry, adding that their connections helped expand the sales efforts to a broader market.
Vestigo has since invested in Vestmark, an institutional digital advice platform that services $750 billion in assets.
"We're not waiting for the next Edison or Tesla, we're waiting for smart entrepreneurs that truly understand adviser friction points and use today's technology to address them," Mr. Sheridan said.
Mike Durbin
The Institutional Dealmaker
President of Fidelity Institutional at Fidelity Investments
Fidelity rocked the adviser fintech world in 2015 when it acquired eMoney, one of the most popular financial planning and client portal tools among independent advisers. The reported $250 million price tag proved there was money to be made in adviser fintech.
"Prior to that, there was good technology out there, but there wasn't this stream of new business models, this new equity flowing in," said Mike Durbin, 50, the president of Fidelity Institutional who spearheaded the deal. "The pace has clearly quickened."
In 2014, Mr. Durbin was developing the road map for Fidelity's next-generation adviser and home-office technology platform as the head of Fidelity's Institutional Wealth Services. When eMoney went up for sale, it ticked many of the boxes.
The purchase terrified many eMoney users who worried they'd be forced to custody assets with Fidelity, a fear amplified by the sudden resignation of eMoney founder and CEO Edmond Walters just seven months later. But Mr. Durbin, who's been described by eMoney employees as having the spirit of a technology entrepreneur, said it was always a part of the plan to let independent and multi-custodial advisers continue using the software.
"It's important that we keep [eMoney's] open-architecture approach," he said.
The decision, unusual for financial institutions at the time, paid off for Fidelity. The company used eMoney to help develop its proprietary digital advice product while doubling eMoney's core business over the last three years.
The idea is to make integration between eMoney and Fidelity's custody and clearing service so good that non-captive advisers will have enough incentive to move assets to Fidelity or at least use it for new accounts. It's a strategy that other institutions have since deployed as they acquire or partner with technology vendors.
Mr. Durbin said that since the deal there has been an increase by venture and private equity in investments in adviser fintech, as well as more participation from institutions, RIAs, broker-dealers and the wealthy clients they serve. Everyone seems to want a slice of the pie, and Mr. Durbin called it "the great fuel that the fintech revolution will continue to rely on."
"It's a vibrant market," he said. "There is still capital out there for good ideas. The barriers of entry to start a fintech company have virtually been eliminated."
Len Reinhart
The Active Investor
Chairman of Wealthcare Capital Management
After a career that took him from E.F. Hutton to founding the Lockwood family of companies, Len Reinhart turned toward private investing in retirement.
He worked with friends on some real estate opportunities and even a movie, but grew frustrated investing in companies that couldn't utilize his decades of experience in finance.
Looking at the market in 2010, he said advisers still relied on picking the best fund or best SMA manager as the only way they could add value.
"That was due for a change," said Mr. Reinhart, 62. "I started looking for companies that were on the leading edge of that change."
Mr. Reinhart made an angel investment in LifeYield, which he believed did something the robos couldn't accomplish — improve the returns advisers generate for clients.
"Robos are disrupting a bit, but they are just doing what we've done for years" he said. What interested him most about LifeYield was that it made it easy for advisers to serve clients at a household level instead of managing each account individually, which he says reduces fees, commissions and taxes for the end investor. "The industry has known this and investors assume that it's being done for them, but it hasn't been done because there was no technology to help the adviser do it. It's a very complex process, and it really needs technology to solve it."
Mark Hoffman, the CEO and co-founder of LifeYield, said Mr. Reinhart was an early sounding board for the team and helped develop the company's go-to-market strategy.
"If you are in the wealth management space, Len is an executive that you absolutely want on your team," Mr. Hoffman said.
Mr. Reinhart has also invested in Wheelhouse Analytics, a big data company that was acquired by Envestnet in 2016, and Wealthcare, a software company and turnkey asset management program that just crossed $2 billion in assets.
Mr. Reinhart said the popularity of fintech as an investment opportunity is driving up valuations, making it harder for private investors like him who want to take an active role in the company. But he's on the lookout for new opportunities.
"I still get calls all the time from fintech companies," he said. He attributes the success to his experience in the industry, which opens doors for startups and provides an advantage over outside private equity firms. "The biggest thing I've learned was to only invest in things I can impact."


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Original London Since 1963
Ben Sherman is a new addition to 80s Casual Classics, but it's been a go to brand for a huge wealth of people since the 1970's. We're happy to now be stocking this authentic, classic brand and will have plenty more options available in the future. For now, check out our Knitwear and Polo Shirt items that greatly reflect the quality of Ben Sherman as a brand over its existence.

subset: commoncrawl


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Tuesday, August 20, 2013
Upon completion, attendees will understand: - NoSQL and Big Data concepts and technologies - Map Reduce concepts - The Hadoop file system - Hive and Pig for productive data management and development
Big Data and Hadoop: A quick dive:
Hadoop Distributed File System (HDFS):
Hadoop Applications:
Working with Hive:
Working with Pig:
Dr. Vladimir Bacvanski has over two decades of engineering experience with mission critical and distributed enterprise systems and data technologies. Vladimir has helped a number of companies including the US Treasury, the Federal Reserve Bank, the US Navy, IBM, Dell, Hewlett Packard, JP Morgan Chase, General Electric, BAE Systems, AMD, and others to select, transition to, and apply new software and data technologies.
Vladimir is published worldwide and is a keynote speaker, session chair, and workshop organizer at leading industry events. As a founder of SciSpike, Vladimir is focusing on Big Data technologies and highly scalable reactive software architectures with node.js and Scala. Vladimir is the author of the O'Reilly course on Big Data and NoSQL.


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Rebekah Louise Bissett (Lee). Born in Helensville, Auckland 1989. Married in 2011 to Peter Bissett. Secondary school teacher since 2012. Third child of David and Louise Lee (Maindonald).
Have you taken a DNA test? If so, login to add it. If not, see our friends at Ancestry DNA.
On 17 Nov 2019 at 14:10 GMT Deb (Lewis) Durham wrote:
This is a courtesy e-mail to see how things are going. Are you enjoying WikiTree so far?
Have the tips in the New Member How-Tos been helpful? Most of us still have some questions after reviewing them.
I'm here to help with issues and questions about how WikiTree works. Click my name, then ask in the comment section of my page or send a private message.
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On 3 Nov 2019 at 19:34 GMT Karen (Finnerty) Butler wrote:
I am pleased to confirm you as a full member, and welcome you to the WikiTree family, your contributions will go a long way to joining the world together.
I would suggest starting with the How-to pages, they will save you a lot of time and frustration.
I am here to answer any question you have, no matter how trivial you may think it is. There is no such thing as a silly question. Please add as much information as you can, it all helps to turn a "name" back into a person. I hope you enjoy the site
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Rebekah is 24 degrees from T S Eliot, 27 degrees from Walter Howe and 17 degrees from Henry VIII of England on our single family tree. Login to find your connection.


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Local SEO Services
Local SEO can really help a small business get more customers. This will only be possible if the right strategy is employed and the SEO campaigns are correctly structured. If you don't have time to learn how to do SEO yourself, then you should consider hiring a SEO expert.
What are The Benefits of Local SEO?
- You get more Local Exposure for Your BusinessWhat was the main reason you got a website? I'll bet you wanted to get more customers. Problem is, there are THOUSANDS of websites just around your local area, so how will your site get visitors? This is done vis SEO and Local SEO. If you have a service business such as an Electrician or Plumber, or a hairdressing salon looking to promote your services online, you will need the Local SEO method first.
People who look for a service in your town are mostly locals who are looking for what you offer. The benefit to them is that you're not far away. They may not have heard of your business, but because you're at the top of the search listings, it won't be too hard to turn them into your customer.
- Driving More ProfitWhen done right, Local SEO can bring your website more exposure. If it's at the top of the search listings for your relevant search query, you will get more traffic. This traffic needs to be converted into customers for you to benefit.
Local SEO is effective at driving more people to your website. With this in mind, it's your job to turn that traffic into more sales. You will have to learn how to do this the right way.
These are the main benefits of Local SEO. It's good for local business owners who are looking to get more targeted traffic to their website through local keywords. What this means is you will get mostly people in your local area, which is probably what you're looking for as a local based business.
Find out more about SEO Training HERE


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One of the oldest and most popular cinema halls of Nagpur – Smruti Cinema – closed down last night (August 30) after screening its last film show of Happy Phirr Bhag Jayegi, which was watched by an audience of 300 odd Nagpurians.
Today afternoon, Vikram Buty, the land owner of the one acre plot at Residency Road, where Smruti Cinema had been operational for the past 30 years, took back the legal possession of the theatre and the whole premises, as awarded by the arbitrator in the dispute between Vikram Buty and Prashant Rathi that aroused over the valuation of Smruti Cinema.
In 1982, the land owner Vikram Buty leased out the land to Murlidhar Rathi for 30 years to run the cinema business there. After Murlidhar Rathi's demise, his sons Prashant Rathi and Prakalp Rathi had been running Smruti Cinema on the premises. The lease was made for a period of 30 years in 1982. Subsequently, Murlidhar Rathi constructed the building of Smruti Cinema and the landlord was being given the rent for the land. After the expiry of lease of the land, a legal battle between the two parties i.e. Rathis (represented by Advocates – Late VG Bhangde, MG Bhangde and VV Bhangde) and Vikram Buty (through his Advocates – Sunil Manohar, Akshay Naik and Rohit Joshi) ensued. The victory of this award resulted in Vikram Buty winning the entire possession of the Smruti Cinema property, including the land + buildings + equipment + machinery etc. Therefore all rights to the property are now back to the owner of the land i.e. Vikram Buty.
After taking the possession of the land and Smruti Cinema premises, Architect Rohit Buty, son of Vikram Buty, said, "Initially we were very skeptical about getting into litigations and court proceedings. But after this award, I strongly believe in the power of the law and the relief it grants when taken through a proper recourse. After this victory, not only I feel more optimistic about how the law works in our country, but also I feel more energetic to develop the land into a multifaceted facility for Nagpurians."
When asked about his and his family's future plans vis-a-vis the land and the theatre, Rohit said, "The single screen cinema is on the verge of collapse. People are more enamored by the multiplexes as it gives them a new cinematic experience. Perhaps Smruti Cinema has been one of the only shining examples of single screen cinemas doing good business these days. I shall probably renovate and remodel the theatre into a multiplex in a few years. As we've just got the possession of the property and we have no experience in cinema business, I want to run the cinema as it is for some time."
Elaborating further on his vision on creating a 'multifaceted facility' on Smruti Cinema premises, Rohit said, "Today, the visitors at Residency Road, are facing a lot of parking problems because of the construction works of metro and the flyover in an already congested Sadar. I would immediately want to open up the property for the public with a pay and park facility. Moreover, being an architect, I feel there's a huge scope of developing multiple projects here like hotel, shopping zone, multiplex, etc. We intend to make a proper and elaborate plan for utilising the true potential of this land."
Reacting to media reports on how a lot of people may lose their jobs in Smruti Cinema, Rohit Buty, said, "I want to make it clear that we have just taken back the possession of our land and the paraphernalia built over it. Brand Smruti Cinema and its business and liabilities still belong to Rathis. We have nothing to do with their business. Rathis are known to run their business with integrity and I am sure they will take care of everything including their employees and business associates. We are not liable for anything pertaining to the business of Smruti Cinema. As per my information, Smruti Cinema is making decent profits and Rathi family intends to continue their cinema business on some other property."


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Could you help a bereaved child near you?December 12, 2014 // No Comments
1 in 29 pupils will be bereaved of a sibling or parent – that's a child in every class.
It is widely acknowledged that the quality of care children receive at the time of a death can have a huge impact on future outcomes. Whilst responding appropriately to a bereaved child in the classroom may feel like a big responsibility for teachers, what most grieving children need is very simple: care and concern from adults they trust. Schools are well placed to provide this, but few teachers receive training in how to effectively meet the needs of bereaved pupils in their care.
In response, Child Bereavement UK, have developed Supporting Bereaved Pupils, an E-learning programme for teachers, head teachers and support staff, designed and produced with input from families and school staff. This programme aims to ensure that schools and their staff have the skills and confidence to offer appropriate support to bereaved children and young people, and has recently won Gold at the E-learning Age Awards for excellence in production of learning content.
Angela Culley, Headmistress, The Mead School says, "We used the Child Bereavement UK e-learning programme as part of our whole staff inset, which included both teaching and non teaching staff…100% reported back that not only did they find it really interesting and easy to use but it gave them a real insight into this sensitive and often taboo area. There is no doubt that everybody gained confidence and all feel much more secure in helping bereaved children when the need arises."
£250 would sponsor a school in your area to receive this award-winning programme of e-learning for every member of staff.
If you're interested in supporting a local school by making this vital learning available to teachers, please contact email@example.com or telephone 01494 568907.


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Ya'll...I was slightly thrilled.
If you are a reader of my little bloggy.....you know that I like time to myself. I like to be lazy and have no one know about it.
Let me give my disclaimer here: I am so thankful that my man has a job where he comes home every night and that I am able to cook dinner for him and more importantly, snuggle.
However......there are times that it makes our hearts good to miss each other. And sometimes, I like to sleep in the middle of the bed......and eat dinner in bed without H raising an eyebrow.
Here's how my weekend looked:
Friday night:
- picked up pizza and vino on my way home.
- showered, turned on the space heater for the little buddies, crawled in bed and ate dinner.
- at 4:34 am I had to spray Coopie in the face (with the water bottle) because he wanted to play
- at 7:30 am, I gave in and finally rolled out of bed to take the little doggies to pee
- 7:34 am, made coffee then called my mom to chat. She didn't want to chat
- 7:58 am decided to vacuum the living room because I couldn't remember the last time I did
- Chuckled when my man sent me this pic:
- that night, I was asked to judge a pageant. And my heart squealed with delight when one of the constestents tapped-danced. I just love a good tap dance.
- LARD! Sunday was the best!! I started off with Church, then a trip to Lowes and then a big fat nap!
- Received another pic:
- H also arrived home from his little adventure......with copious amounts of laundry to do!
- I felt like a mawmaw on Monday. I scheduled (2) Dr. appointments for my day off. It makes sense in theory, but good gosh! they certainly felt like a waste of time.
- My last appt. was at the dentist office. GAH! I hate going to the dentist. I think the hygienists at this office get paid on commission. I'll be the first to admit, I was in a bad mood because I really needed a nap and lunch......and all she wanted to do was take x-rays.
* My man wanted me to post a pic of their "dead ducks." However, since my sweet MIL reads my blog, I don't want to gross her out.
** Also, since we are talking about ducks here, it's only appropriate that I post this pic too:
Good times were had by all this weekend. I'm glad my man is back home......sometimes, sleeping in the middle of the bed does get lonely.
** Also, since we are talking about ducks here, it's only appropriate that I post this pic too:
Good times were had by all this weekend. I'm glad my man is back home......sometimes, sleeping in the middle of the bed does get lonely.


text: I had a great time at Midwestern Roots 2014 in Indianapolis this past weekend! Lots of enthusiastic and energetic researchers. 🙂 I've uploaded my presentation slides from my 4 presentations at Midwestern Roots. Check out the Slides and Presentations Page for the PDF's of those presentations. Also, I mentioned that my blog post Ask Ancestry... Continue Reading →


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Bronze Flanged Gate Valve
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SKU: GV4204 Availability: Available
Bronze Flanged Gate Valve
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Manufactured to BS5154.
More Information
|End Connection
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The following downloads are available for the Bronze Flanged Gate Valve:


text:
Finally! Finally! I finally made it to the 18th issue of The Official Handbook of the Marvel Universe: Book of the Dead Deluxe Edition (Hyperion to Nighthawk). Why is that a good thing? MODOK, bitches! Mother-truckin' MODOK is finally in the house! If I were a certain frog made of felt, I would be flapping my arms so much right now!
In fact, I'm so excited about the chance to talk about MODOK that I don't want to waste any more time on this intro. God knows there's nothing in this issue besides the characters to talk about, just a bunch of "Data Corrections" sent in by eagle-eyed readers.
My favorite? "Rogue (page 8): Rogue is currently eighteen years old, and hence she is no longer a minor in many states… Brian Kern, Ft. Wayne, IN." I'm betting Brian wasn't the only straight male fan back then who kept meticulous notes on the legal status of Charlie's female students. 😉
Hyperion II
Wow. Where do I even begin? So there's a Hyperion in the Marvel universe who functions as a Superman analogue when it's handy to have that sort of thing for a story. But this isn't that Hyperion; this is a duplicate evil Hyperion created from "non-living extra-dimensional matter" when some cosmic nutter needed an extra pawn for his game. Hyperion Part Deux then bounces around dimensions like a wiffle ball in a clothes dryer, at one point finding his mind-wiped self working as a health club manager in Queens. No, really. Best part of his entry? I can't decide between two sentences: (1) "Doctor Strange cast a magical spell that caused Hyperion and his two allies to forget their evil pasts" — you know, as opposed to one of Strange's non-magical spells — or (2) "Thor used his enchanted hammer to remove Hyperion's powers, shrink him, and imprison him within a small glass globe." I gotta say, that is one handy hammer. C-
Cause of death? Beaten to death by the original "heroic Hyperion" in an all-out battle between the two of them. I guess we're going by the Zack Snyder definition of "heroic," then.
Stayed dead? God, I hope so.
Imperial Hydra
OHMYGODIT'SWALTERWHITE!!! Oh, excuse me, "Arnold Brown." No, for real, look at this guy's mug. It's as if your high school science teacher made a mid-career change to become Cobra Commander. Also, can we all agree that milquetoast is a funny word? "Milquetoast." Hee. B
Cause of death? Shot by one of his own men, who never saw Imperial Hydra unmasked and thus didn't believe a milquetoast (hee!) like Brown was really their leader. I can see that happening.
Stayed dead? Yep. But maybe Marvel will put out a sequel that tells the story of the once-legitimate tailor who sewed together Brown's padded costume to make him look more buff.
It, the Living Colossus
"The Colossus remained on the grounds of the studio where the aliens had abandoned it, as it was too huge to remove." Now hold on a second. You guys just told us a few paragraphs ago the Soviet government shipped the hundred-foot-tall statue from Moscow to Los Angeles as part of an international exhibition. But now after a brief bout of alien possession you're saying it was "too huge to remove"…? What, did the aliens turn the statue's granite into white dwarf star matter after they animated it? And then you tell us some thieves who came along to steal the "too huge to remove" statue just happened to bring nerve gas with them? Who does this? It can't be good for my mental health to let this kind of stuff bother me. B
Cause of death? Reduced to dust during one of the Hulk's testier tantrums. In the Hulk's defence, he was in Los Angeles at the time — that would make anyone testy.
Stayed dead? Quoth the Wiki: "It was rebuilt as a robot, for use by O'Bryan in his films. Later, the original It was reformed by O'Bryan under the control of Lotus Newmark." Short answer: nope.
Cause of death? DON'T KNOW.
Stayed dead? DON'T CARE.
This was the Hulk's main squeeze when a villain mucking with his molecules shrinks the Hulk so much that he just happens to fall into a micro-verse world where the sword-and-sorcery inhabitants who live there just happen to have the same shade of green skin as the Hulk. He also just happens to arrive near a city on the same day Empress Jarella is required by law to choose a mate, just happens to accidentally do the one thing that makes him an eligible suitor and just happens to gain Banner's intelligence as a side effect of a magic spell that teaches him the local lingo. I swear, this guy falls ass-backwards into more dumb luck than Forrest Gump. As for Jarella: homina homina. B
Cause of death? Crushed by a falling wall while trying to save a child from the same fate. I've said it before and I'll say it again: kids ruin everything.
Stayed dead? Sadly, yes, except for one of those times she was summoned back to life to fight in that big crossover event. You know, the one with all the fighting.
I dunno, can we file an artificial being under "D" for dead? Deactivated, sure. But dead? I think we need some philosophy majors to weigh in here. While they do that, let's try not to get too creeped out by the fact that Ultron's desire for a robotic mate led to him kidnapping the Wasp — the wife of his scientist creator, and hence his "mother" — to transfer her "life force" into Jocasta's empty shell. Tell me that doesn't sound a little messed up. Oh, and Jocasta also spent a few months wandering the streets of New York City as a homeless person, because that wouldn't strike anyone as unusual. C
Cause of death? Blew herself up with a weapon Ultron was holding in a last-ditch effort to take him out. It took a man — make that Machine Man — to finish the job and rip out Ultron's guts.
Stayed dead? You're kidding, right? Shortly after this issue flew off the presses, she was already literally rebooted and sacrificed herself again to save the Avengers. It kinda became her thing.
"Humiliated by his defeat by Spider-Man, Oliver fell into a deep depression and spent the following months as a vagrant in New York City." Hey, maybe he and Jocasta shared panhandling tips. Let's see, I think I said something about him in my list of animal-themed Spidey villains: "The man, the myth, the legend known as Kangaroo was born — brace yourself — in Australia. Quoth Wikipedia: 'As a young man, he studied kangaroos in his native Australia with a passion. Oliver lived, ate, and travelled with the kangaroos, developing a leaping ability that rivalled the animals he studied.' As if that weren't sad enough, his successor used a suit that gave him superhuman strength, enhanced leaping skills and a 'pouch-level cannon.' I'll just let those last few words sink in for a moment." D
Cause of death? While stealing radioactive isotopes at the behest of a mad scientist who augmented his powers, he died a horrible death from intense radiation. That… really sucks.
Stayed dead? Yep. A I said above, his name was taken over by someone even lamer, a guy who was inspired by the first Kangaroo to dress like a kangaroo. Just mull that image for a minute.
Kiber the Cruel
Okay, remember that scene in the first Star Trek movie where the Enterprise's new science chief dies horribly in a transporter accident? Trick question: nobody remembers anything from the first Star Trek movie because we all fell asleep ten minutes in. Anyway, Frederick Kiber didn't get the memo about teleportation being a risky thing, and he ends up horribly mangled and merged with his laboratory floor as a result. No, really. But does he let his newly acquired resemblance to linoleum stop him from becoming a super-villain with world-conquering intentions? Heck, no! That's what the androids are for! What, you didn't know he had androids? Of course he had androids; he's a Kirby super-villain. Because a Kirby super-villain without androids is like a day without sunshine — sweet, demented sunshine. B-
Cause of death? Kiber could only stay alive by stealing the "life energy" of his victims, and when Black Panther put a right proper end to that, he expired soon afterwards.
Stayed dead? Yep. And really, for his sake I hope it stays that way. It's hard to be a scary super-villain when your arch-nemesis is a really determined Roomba.
Kid Colt
Wait, Marvel's Western stars are getting Handbook entries now? All right, then, let's get out our Official Marvel Comic Cowboy Checklist. Manly gun-related name (Blaine Colt)? Check. Billed as the fastest draw in the West? Check. Father or father figure murdered by no-good varmint? Check. Wanted by the authorities for exacting his revenge? Check. Chose to spend his days wandering the American West righting wrongs, often encountering other gunslingers who were also unjustly branded as outlaws? Check. It's a shame the idea of support groups didn't exist in the 1800s. "Among Kid Colt's most notorious adversaries were Iron Mask, Doctor Danger, and the Fat Man." Two thoughts: (1) I'm totally scooping all three names for my future pro-wrestling career and (2) I would love to know if an actual iron mask was part of that first guy's shtick, and who talked him into wearing one whilst galloping through the deserts of the American Southwest. C+
Cause of death? Unknown at the time this issue came out; one mini-series, 2000's Blaze of Glory, posits how Kid Colt and a few other Marvel Western heroes met their fate. Really, go check it out.
Stayed dead? Um, I guess no…? Elsewhere: "He reappears in the present day as an old man in Skaar, King of the Savage Land where it is revealed his death was a hoax." Sure, why the hell not.
It's hard to feel sympathy for Michael Korvac. When the space-faring Badoon invaded Earth in the 31st century, he offered up his mad computer skills so quickly to his new alien overlords that even the ghost of Vidkun Quisling (open a book, people) was all, "Dude, that's so uncool." Despite his zealous efforts on behalf of his new masters, one day he committed the sin of collapsing at his post, and his supervisor punished him by "amputating the lower half of his body and grafting the remaining part to a mobile computer module, turning him into a cyborg." And you know, if I were head of HR for that outfit, I might have had a talk with that supervisor — partly because half the IT guys I know would file that change under "dream come true," and partly because Korvac then uses his new plugged-in status to kill the Badoon who performed the operation and plot an overthrow of their empire. There's more stuff about time travel and celestial power brokers, but it all leads to the same boring "ordinary man gains godlike power, attempts to control universe" trope, so let's move on. C-
Cause of death? Committed suicide "rather than continue on with a hopeless battle against the universe." Dude, there are days when I can so relate.
Stayed dead? Oh, heavens to Betsy, no. He was later resurrected by one of those cosmic muckety-mucks; last I heard, he got annihilated by a blast of anti-matter. Let's hope it sticks this time.
Um… hi there, Angry-Looking Leather Lady. That outfit certainly looks… ah, polished. All right, so maybe this gal is not as kinky as this picture is letting on. Let's read her entry: "The four agreed and were given special paraphernalia to assist them in their mission. Letha was given special leather belts and straps with various weaponry stitched within them." Check, please! D
Cause of death? Killed by the vigilante Scourge in the infamous "Bar With No Name" massacre. Betcha wished you steel-plated a whole lot more of your bod now, huh, Letha?
Stayed dead? Later resurrected by the Hood and given the bonus power of instilling unthinking rage in other people. Last seen working as Donald Trump's social media strategist (rimshot).
Now, here's an interesting concept. She's the abandoned daughter of Dracula who gets turned into a vampire herself because of a Gypsy curse on her father, and so she spends centuries as a spirit hopping from one vengeful woman's body to the next, only to find eternal rest when Dracula has been destroyed. Despite her malefic appearance, she satisfies her bloodlust by attacking "only those humans whom she believed were evil enough to deserve such a fate," and eventually found inner peace by abandoning her vendetta against her deadbeat dad. Which makes it all the more ironic — and kind of sad — that she ceased to exist when Doctor Strange and friends wiped out all vampires with a magic spell. Out of pity, B
Cause of death? See above. It was nothing personal, in that Doctor Strange wasn't specifically trying to end her status as one of the undead; it just worked out that way.
Stayed dead? When Drac came back, so did she. She later hooked up with the Howling Commandos, a knock-off of DC's Creature Commandos. How is it that neither team has made it into movies?
Living Monolith
Not to be confused with It the Living Colossus, which is not to be confused with the X-Men's Colossus, who is definitely living but not quite monolithic and… what was my point again? Right, right, this guy who's a monolith that happens to be alive. Standard "ordinary guy gets phenomenal powers, goes power-mad" story arc here, with an Egyptian professor obsessed with ancient pharaohs discovering his mutant power to absorb "ambient cosmic energy" at a really shitty moment in his life. Cut to ancient temples, fanatical cult followers, and his anointing as a prophesied new god-king dubbed the Living Pharaoh. The "monolith" part came in when an overdose of cosmic radiation made him grow to 33 ft. in height, then later to planetary proportions, at which point he finally found the peace that eluded him all his life. Good for him. B-
Cause of death? Cosmic radiation caused him to keep growing until he literally became a planet teeming with vegetation in another star system. So he wasn't so much dead as literally pushing up daisies.
Stayed dead? Since he never really died in the first place, the question seems moot, but… yeah, he came back a lot of times. He's an X-Men villain. It's part of the gig.
BWHA-HA-HA-HA-HA… I'm sorry, I just… wow. I don't think I've ever seen a super-villain costume look that generic and ridiculous at the same time. Maybe it's the helmet? I think it's the helmet. We all can't be Magneto, I suppose. Nothing like the Fallen One you might have been expecting, this Lucifer was an alien from a race of conquerors who enslaved planets by using bad vibes, or something. He's also, if this entry is accurate, the reason why Charles Xavier needs a wheelchair. Trust me, the explanation in X-Men: First Class is way better. Honestly, he's just another in a long line of super-villains with secret lairs and robot servants and I'm bored just trying to finish this sentence. D
Cause of death? Not entirely clear; we never saw his actual death happen, he was simply reported as "terminated" by his alien masters for drawing too much attention to them. Giant robots will do that.
Stayed dead? I really don't care either way.
Malekith the Accursed
Well, that's not a name that will get people swiping right on your Tinder profile, Mal. Who not go with Malekith the Fabulous or Malekith the Reasonably Well-Adjusted? Actually, good luck trying to find out why he's accursed. We're told this guy is the leader of the Dark Elves and "proved himself to be an enemy of both the human beings of Earth and of the gods of Asgard," but that doesn't really answer the question. Is he accursed because he's an enemy of humans and Asgardians, or did his enmity towards those groups lead to someone cursing him over it? I'm not being pedantic, I'm simply stalling for time because good gravy that's a whole lot of text to wade through. I don't think the two dozen-odd issues in which his first story appeared contained this much text in total. Edit, people! Anyhoo. C
Cause of death? Neck snapped by an enraged Kurse who was obsessed with exacting revenge on Malekith for causing "his near death in the pool of molten lava." Yeah, that would piss me off, too.
Stayed dead? Surely you jest. He was revealed to be alive several years later, and immediately got back to his shape-changing, shit-stirring shenanigans. How did he come back? Um… dark elf did it.
These were a bunch of sketchbook mutant rejects thrown employed by someone else as assassins targeting other mutants; three of them ended up getting killed during the so-called "mutant massacre," an event that saw the Marauders slaughter most of the Morlocks living underneath New York City. There's not much interesting to say about them, though I got a chuckle from Blockbuster's entry; right after we're told Thor struck him dead with a single blow, we find out "Blockbuster possessed superhuman strength, the exact extent of which is unknown, but was inferior to that of Thor." Yes, we gathered that much. C-
Marvel Boy
Okay, very quickly: Marvel Boy first appeared in his own title in 1950; that lasted two issues before turning into a book named Astonishing, and Marvel Boy's stories barely lasted four issues after that. He languished in comic-book limbo until 1975, when Roy Thomas hauled him out of mothballs to be the bad guy in a two-issue story arc in Fantastic Four. Why? Who knows? Now insane, he uses his energy-manipulating wrist-bands to rampage against "all that was evil and corrupt in society," starting with a bank president (because of course). The Fab Four intervene, and he overloads his wrist-bands and dies. I guess that makes me… sad? Honestly, I'm looking at the story in which he bites it and I'm actually giggling. It's not every day you see a bad guy with solar powers whose weakness is clouds. Wait a sec: blond hair, solar powers, useless on cloudy days — did Superman IV rip off Marvel Boy? D+
Cause of death? Like I said, he overloads his wrist-bands and incinerates himself in a blinding flash of energy, leaving only his wrist-bands behind. At least he left something; that was thoughtful.
Stayed dead? Yes, but as it turns out it wasn't Marvel Boy at all. As revealed much later, it was a confused and surgically altered Uranian Eternal who thought he was the original M.B. Why? Comics, is why.
"First appearance and origin: DAREDEVIL #167. Final appearance: DAREDEVIL #167." Oh, come on, Marvel! Of all the one-issue wonders, how come this mook in Iron Man's hand-me-downs gets an entry? Stop keeping me from my MODOK, already! Sigh. Blah blah blah sad sack fired from his job after 35 years and screwed over by his company's HR department who stole an armored battle suit his company just happened to be working on at the time. So he goes after his crooked boss, and what does he do when he has him at his mercy? He removes the guy's wallet and melts his credit cards because… um, it's really annoying having to call the credit card people and report a damaged card? I don't know, I'm sure it was all symbolic when Frank Miller wrote it down. C-
Cause of death? Security guards fire a powerful machine called a "vibra-mace" at him, with the intense vibrations killing him instantly. Is that standard issue for private security forces?
Stayed dead? Yes, but in a way he had the last laugh — his theft of the suit led to the company's bankruptcy and purchase by Stark International, which mothballed the battle suit.
I covered this guy in an earlier list about Iron Man's sillier adversaries, so pardon me while I plagiarize myself: "Bruno Horgan was your average American industrialist specializing in weapons for the U.S. military when a government inspection revealed he was using shoddy materials. While Tony Stark scooped up his defence contracts because his weapons actually, you know, worked, a bankrupt Horgan decided the only rational thing to do was to blame Stark for ruining his life. And as luck would have it, he found among his ruined company's assets a weapon prototype that generated a beam capable of 'melting' iron on contact. Thus armed with the means to liquefy Stark's greatest weapons, Horgan began his career of crime and calumny as… the Melter! And then he joined forces with the Dissolver, the Dissipater and the Coagulator to form the Lethal Legion of Matter Manipulators. No, not really." D
Cause of death? Fatally shot by the murderous vigilante known as Scourge, who crushed the Melter's latest melting weapon after killing him. I'm trying hard to find a reason not to applaud both acts.
Stayed dead? As far as I know.
Midgard Serpent
Oh, man. So close to MODOK, yet so far. All right, let's barrel through these next couple of entries. Midgard Serpent: big mythical snake thing that Thor fought. Because that's what you do when you're Thor, is why. "Occupation: Serpent." I wish I could do that on my LinkedIn account. "Occupation: Human." C+
Cause of death? Thor. Need I say more? No, I need not.
Stayed dead? Resurrected only to be slain again, this time by Thor's mother, who sacrificed her own life to banish it back to Hel. Let me repeat: it got smacked down by Thor's mother.
"Believing that people would someday realize that his son had this superhuman ability and would attack Calvin from hatred and fear, Dr. Rankin took Calvin to an isolated cave where both of them lived for the following months." Jeee-zus, man. Over-react much? At least spring for a decent time-share, or any kind of living arrangement that's a step up from shoving your son inside a freaking cave. No, not a Best Western; I said a step up. C
Cause of death? Giving the Hulk a hug. No, really.
Stayed dead? Nope. Turns out he recovered by copying Wolverine's healing powers, as well as his appearance and claws, driving Mimic mad with pain. On the upside: "OMG, it's Hugh Jackman!"
Miracle Man
Early-era Fantastic Four villain who thought super-hypnotism was his ticket to world-conquering greatness — but that's not the messed up part. He later joined a tribe of Native Americans who helped him develop his psionic abilities to manipulate matter and energy, which he then used to build a city consisting of himself and a bunch of androids — but that's not the messed up part. Here's the messed up part: on his way to instigate his latest scheme, while riding a bus upstate from New York City, he discovered that one of his fellow passengers just happened to be Benjamin "The Thing" Grimm. Picture that bit of insanity for a second. Here's a super-villain — travelling by bus, mind — who's off to complete the next stage in his super-villain career, and he just happens to run into one of his arch-enemies and one of the most famous super-heroes in the world… who is also travelling by bus. How do you not take that as a sign to give up the whole super-villainy thing and go into accounting? C
Cause of death? Fatally shot by the murderous vigilante known as Scourge, who was disguised as a fellow passenger on the bus. See what I mean about crazy coincidences? Worst. Day. Ever.
Stayed dead? He was one of the Scourge victims resurrected by the Hood to go after the Punisher; he slipped away in the chaos only to find out later the Punisher was on the same bus. (No, not really.)
After he was bitten by a radioactive legal pad, Mirage embarked on… no, no, I kid. But honestly, my version is no less stupid than any other reason he might have come up for that costume. For real, go find the Deadpool issue where Hollywood's favorite merc with a mouth demonstrates how mind-boggingly stupid it is to attach handles to your headgear. C-
Cause of death? Among the murdered masked malcontents in the "Bar With No Name" massacre by Scourge, who really deserved to be called "a one-man Crisis on Infinite Earths" for his efforts.
Stayed dead? Oh, heavens, no. He came back to survive the Punisher putting a grenade in his mouth, an assassin's gunshot, and someone else pushing him off a roof. Nobody dies in these books, do they?
Miss America
I wonder if the pageant people ever regretted not putting the legal smackdown on Marvel and DC for each coming up with their own "Miss America" characters. Ah well. Madeline Joyce was the niece of a rich guy financing electrical experiments because reasons, yadda yadda yadda something triggers "her latent mutant ability to levitate herself" and she's off fighting Nazis and stuff. Pretty standard Golden Age stuff, right up to the part where she's travelling abroad and dies giving birth to a stillborn child. And here's what really sucks: her "first modern appearance" and "final appearance" are the same issue (Giant-Size Avengers #1), which means they basically brought her into the modern age only to kill her off — and they didn't even bother to show it in the story. Sad. Out of pity, B-
Cause of death? Died from radiation poisoning hours after giving birth to a radioactive stillborn child who was irradiated by her work on a secret government project. There's no fun way to say that.
Stayed dead? Amazingly, yes. While she made appearances in stories set in WWII, as far as I know she hasn't been brought back. And with another young woman using her name, she probably won't be.
Here's the thing about MODOK. With super-villains, you can generally sort them into one of three groups:
(1) The first group are the guys with the classic look and back story, the ones who set the gold standard for no-goodery and get first dibs when films starring their arch-enemies get greenlit. Your Jokers, Kingpins and Doctor Dooms go here.
(2) The second, much larger group are the hordes of interchangeable bad guys who rely on a gimmick to get ahead, but don't have much going for them in terms of personality or motivation. Think your Mirages, your Melters, your Miracle Men, and a whole lot of other guys who are frankly there to fill the pages in between the good stuff.
(3) Then you've got the third group, the villains who are so utterly deranged on every level you can't believe they were ever allowed to see the light of day. These are the villains who are so messed up and misbegotten your brain can't even process it, so you give up trying and love them for the sheer fact someone had the balls to dream them up in the first place. (Jack Kirby had a knack for coming up with characters like this.)
In case you haven't guessed, MODOK is one of these guys. There are a lot of reasons to love him — the tragic origin (lowly technician forced against his will to mutate into a living computer), the massive noggin, the itty-bitty legs and arms, the fact his head is so big he can only bop around in a specially designed "hover-chair" like a scooter-riding grandma from the future — but I think the real reason he's earned his place in the pantheon of great super-villains is his name. "MODOK." Could it be any more evil-sounding? It sounds like a Godzilla movie monster, or one of Conan the Barbarian's more murderous adversaries. And speaking of murder: it's an acronym for Mental Organism Designed Only for Killing. Get that, people? Only killing. Not killing and terrorizing, not killing and pillaging, not killing and light housekeeping, only killing. Heh, now I'm picturing him at home fighting with his wife: "Woman, do I look like a Mental Organism Designed for Killing and Taking Out the Trash!?" Anyway. Your love. You know he deserves it. A+
Cause of death? Beaten and poisoned by members of the Serpent Society, who were hired by AIM's new leaders to prevent MODOK from re-asserting control. I got fired like that once.
Stayed dead? HA! As if, people. As if. Like a diamond, MODOK is forever.
Man. Post-MODOK, I'm feeling like you really have to bring it if you want to follow that act. And I'm sorry to say, the dead Morlocks highlighted in this issue do not bring it. I'm pretty sure they do not even know what "it" is. Aside from the fact their deaths had only just occurred in the "Mutant Massacre" storyline that appeared in Marvel's mutant titles shortly before this issue came out, I cannot think of a single reason why we should care about the death of any of these mutant mole people. For most of them, their first appearance was their final appearance, as if their shared mutant power was to look fabulous in a red shirt. Speaking of shirts: "At will, Cybelle could exude acid from her body that enabled her to a sear a path through solid stone in seconds. She herself was immune to this acid. It is not known why her clothing was unaffected by the acid." Translation: you nerds knock yourself out. D
Apropos of nothing, you know a good birth name that deserves a comeback? "Zebulon." Now, then. This sparkly fellow is an alien of some sort… with long white hair… and a shiny cummerbund who… I'm guessing is a bad guy? Oh, God, I have to read the text, don't I? Fine. Hmm… mumble mumble member of race of water-breathing aliens … tried to melt Earth's polar ice caps … "seemingly imploded" when his own laser-cannon was aimed at him. Huh. Well, that wasn't as bad as I thought HOLY MOTHER OF CRAP THERE'S MORE? Seems he didn't die but instead was transported to an extra-dimensional world where a bunch of philosophers convinced him to help lesser beings instead of drown them. "Returning to Earth, Nebulon assumed a less-imposing human guise than before, and started a movement called Celestial Mind Control which promised to liberate the powers of the human mind, but actually robbed its participants of free will." That's actually a much better explanation for Scientology than "asshole writer wakes up one day, realizes his yacht isn't going to scrape itself." D-
Cause of death? After disguising himself as Namor's dead lover and trying to strip the Avengers of their powers, he finds a sliver of honor trying to protect his wife from an energy-draining ray. Didn't work.
Stayed dead? Far as I can tell.
Nighthawk I/Nighthawk II
There are two guys named Nighthawk, both of them sharing the same name (Kyle Richmond) and both of them appearing in this issue. But don't worry, we'll make everything else about their life stories as complicated as possible. Nighthawk I: resident of an alternate Earth and obvious Bruce Wayne pastiche who becomes president and later rebels against his superhero pals when they take over their devastated world. Nighthawk II: Layabout rich kid finds magic book with secret strength formula, becomes superhero, buys his way into the Defenders. "He remained active with the team until agents of the Internal Revenue Service, investigating tax fraud, brought forth an injunction to prevent him from donning his costume until the charges were cleared." And now I'm wondering why more superheroes don't run afoul of the IRS. Hey, there's a spinoff idea: "Marvel's Accountants of S.H.I.E.L.D." And we can get someone like the great character actor Stephen Tobolowsky to play Phil Coulson's nerdy accountant brother who helps Bruce Banner claim his receipts for new pants as a tax write-off. I think I'm giving this too much thought. Nighthawk I: B-/Nighthawk II: C
Cause of death? Nighthawk I: Heart attack induced by one of his former Squadron allies. Nighthawk II: Blowed up real good when a secret base exploded.
Stayed dead? Nighthawk I: Yes. Nighthawk II: Brought back to life as part of one of Mephisto's zany schemes to bag Daredevil's soul. Insert your own "Who knew lawyers had souls?" joke here.


text:
Written by Carys Garland
They determined the iris had a high density of microvasculature, and an unusual blood vessel distribution pattern.
- Iris blood vessels and cells examined
- Iris has high blood-flow rate and nutrient exchange
- Oxygen gradient change a factor in glaucoma
THE structure of the microvasculature or blood vessels in the iris could play an important role in people's contraction of eye maladies like glaucoma and cataract, according to a WA-led study.
The research aimed to investigate the role of the iris microvasculature and its endothelium, the layer of cells lining the vessels.
Lions Eye Institute researcher and PhD candidate Hongfang Yang says the iris is the only vascular tissue (consisting of blood vessels) in the anterior chamber, immersed in the aqueous humour and surrounded by several avascular tissues (lacking blood vessels) including the cornea, trabecular meshwork and lens.
"Trabecular meshwork is known to be a key structure in the pathogenic process of glaucoma, and lens is the part [that] grows opaque when people get cataract," Dr Yang says.
"Any blockage or any dysfunction of the trabecular meshwork would decrease aqueous flow-out, which would result in high ocular pressure, the main character of glaucoma."
Researchers perfused (passed a fluid through) the temporal long posterior ciliary artery of 11 pig eyes and studied the iris' blood vessels for their distribution, orders and endothelial characteristics.
"We used the micropipette to cannulate into the vessel and the other end of the pipette is connected to a pump, which we use to control the flow rate and to perfuse the eye," Dr Yang says.
"We could flush out the blood cells and then perfuse with silver nitrate."
Nitrate turns up blood vessels and cell patterns
Silver nitrate deposited at intracellular gaps and turned from white to black after exposure to bright light, making the blood vessels and endothelial cell arrangements visible under a microscope.
They determined the iris had a high density of microvasculature, and an unusual blood vessel distribution pattern.
"All these findings suggest the iris has a high blood-flow rate and capability for sufficient nutrient and waste exchange between the blood stream and the iris stroma," Dr Yang says.
Changes in oxygen gradients and oxidative stress have previously found to be a major pathogenic factor for cataract and glaucoma………
read more: http://www.sciencewa.net.au/topics/health-a-medicine/item/3632-iris-research-focuses-on-blood-vessel-patterns/3632-iris-research-focuses-on-blood-vessel-patterns
Source: Science Network Western Australia


text:
Reasons Why Hiring Professional Lawn Companies Is the Best Alternative
When it comes to taking care of your lawn, you have the option of hiring a professional lawn care company or taking care of your lawn by your own. More often than not, many people choose to take care of their lawns by themselves, without hiring the services of professionals. This is because they presume that maintaining a lawn is an easy task that they can handle by themselves. Maintaining a lawn is not as simple as it may appear to be. Therefore, it would be best to hire the services of a lawn care company. If you are deliberating on whether to hire a professional or to take care of your lawn by yourself, you can refer to the factors discussed below.Discussed below, are reasons why it is beneficial to hire the services of a lawn care Company.
The Use of Quality Lawn Care Tools
You cannot maintain your lawn if you do not have lawn care tools. Lawn care tools are not cheap. The appearance of your lawn will greatly be influenced by the type of lawn care equipment used. If you use lawn care tools that are not of good quality, your lawn will not be properly maintained. Whereas, if you use quality lawn care tools, your lawn will be in a great condition. You will have to buy lawn care tools if you choose not to hire professional lawn care services. Purchasing lawn care equipment is a great investment. It would be beneficial to hire professional lawn services particularly, if you do not have money to buy this equipment. Lawn care agencies have access to different types of lawn care tools.Due to the advanced equipment, professionals will also stand at a better chance of maintaining your lawn properly.
Saving a Great Amount of Time
People that have not undergone any training or have any skills in lawn care often spend a lot of time taking care of their lawns. In this case, it would be a great idea to seek assistance from professionals. The professionals you choose will handle everything by themselves. Consequently, you will have sufficient time to work on other important things. People that decide to take care of their lawns by themselves often fail to complete the task successfully. Companies that render lawn care services are experts in what they do. Additionally, they also have experience.With experience and skills, they will get the job done within the shortest duration.
Before deciding the company to work with, you should pay attention to its skills and experience. Do not hire a company that does not have experience and skills. To obtain high quality lawn care services, you can consider hiring the services of the Brighton lawncare company.
Getting To The Point – Landscaping


text:
Shooting Suspects Radicalized Before Dating Each Other
FBI Director James Comey, testifying before the Senate Judiciary Committee, said the suspects in the San Bernardino shooting were radicalized toward violence even before they became engaged. Photo: AP
This transcript has been automatically generated and may not be 100% accurate.
the threat from the Islamic State has three dimensions one ... they they aspired to send ... operatives to attack the United States and so it's second they aspire to attract people to come to the so-called caliphate ... to fight and achieve glory somehow from being in that savage place ... at last where they can send operatives or track travelers ... they hope to inspire ... or direct and the two terms bleed together ... people to engage in acts of violence in their home to radicalized in their home in to kill innocent people ... on behalf of these terrorist groups ... in Paris we sold one dimension of that threat which was the sending of operatives ... to attack to kill innocent people ... in San Bernardino we saw last week a different dimension of the threat ... which is ... a homegrown violent extremists the radical eyes thing in place ... in order to kill innocent people on behalf of a foreign terrorist organization ... to claim a foreign terrorist organization and try to give it credit for acts of violence ... Sandberg Dino involve two killers ... who were radicalized for quite a long time before their attack in factor investigation to date ... which I can only say so much about at this point ... indicates that they're actually radicalized ... before they started ... the cording are dating each other online ... and online as late as as early as the ... end of two thousand thirteen they were talking to each other but jihad and martyrdom ... before they became engaged ... and unmarried and live together in the United States ... we also believe they were inspired by foreign terrorist ... organizations ... working very hard to understand exactly they're Association and the source of their inspiration ... were also working very hard to understand whether there was anybody else involved ... with assisting them with supporting them with equipping them ... were working very hard to understand that they have other


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December 3, 2018
Unusual concept sculpting tool gets a new name and a streamlined new user interface. Try it for free. Read More »
September 7, 2018
Promising virtual reality design tool gets support for groups, surface patches and orthographic views. Read More »
January 31, 2018
Unique 3D sketching tool for concept art gets new quick transform tools, better Lathe tool. Read More »
February 23, 2017
3D sketching tool gets real-time viewport with pencil shaded and realistic display modes, ground fog. Read More »
August 1, 2016 | 2 comments
Now shipping: Sketch forms in 3D space and export them as OBJs with this neat new app. Free Lite edition; full version is $20/year. Read More »
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Ideas for designing kids' spaces that can grow with them
Pristine, showstopper nurseries are booming in the design world. And yet babies grow out of their nurseries in a flash and kids' interests can change by the hour. The demands for transition are as constant as the growth of kids themselves.
Smyrna-based interior designer Devin Taylor gets it. She has kids. And she's fabulous. Her top advice for combining those two things? Think versatility.
Choosing pieces that aren't so juvenile means you can use them in other rooms or leave them in the child's room for years to come. And if Mickey Mouse or Mother Goose just have to make an appearance, buy a few inexpensive decorative items that can be easily phased out as the child grows.
Taylor likes to aim for the essence of the theme. "Try not to be too literal," she suggests. For example, a Georgia Bulldog theme could be achieved by accenting a neutral palette with red and black and a few vintage photographs of UGA football.
Splurge on pieces that can go from nursery to adulthood. Devin likes to aim for straight lines and traditional elements, since those will be the most versatile styles. Taylor says furniture should be the first item considered—even before paint.
When selecting paint, Taylor says "you want it to be cohesive with the rest of the house. Don't make a color departure that doesn't blend." Think about the house as a whole. Is it mostly warm tones or cool tones? Try to stick with one or the other.
Taylor suggests collecting images of favorite styles in a Houzz or Pinterest board. Look for trends to emerge. Is there an overall rustic feel or more of a modern edge? Are flamingos making a frequent appearance? Perhaps that doesn't mean a flamingo theme is materializing; maybe it simply means bright coral should be the room's dominant accent color and playful should be the mood. Idea boards can narrow down style, palette, and mood for a room, which will make collecting items easier and more enjoyable.
If a child's room is fully decorated and planned out from birth, there isn't any room left for Mason jars filled with seashells and snapshots of smash cakes. Leave space for life to happen, collections to unfold, creations to be made, and interests to develop.
Ultimately, Taylor believes a home is about growing and the change that goes along with that. She says, "The great thing is that every family is special and different and you become a mood creator and organizer. It's just not about fabrics and color. Especially when dealing with children. It's about comfort and living well."


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Re: Smallest enclosing circle
- To: mathgroup at smc.vnet.net
- Subject: [mg50070] Re: [mg50062] Smallest enclosing circle
- From: "Janos D. Pinter" <jdpinter at hfx.eastlink.ca>
- Date: Sat, 14 Aug 2004 01:50:18 -0400 (EDT)
- References: <firstname.lastname@example.com>
- Sender: owner-wri-mathgroup at wolfram.com
At 06:56 AM 8/13/2004, Steve Gray wrote: > Given n points in the plane, I want to find the smallest >enclosing circle. Does anyone have Mathematica code to do this? > I will be grateful for any tips. > >Steve Gray Steve this problem can be easily formulated - in arbitrary dimension - as a constrained convex optimization model. Then you can use e.g. NMinimize (or other optimization tools, incl. my software products) to solve it. Regards, Janos _________________________________________________ Janos D. Pinter, PhD, DSc President & Research Scientist, PCS Inc. Adjunct Professor, Dalhousie University 129 Glenforest Drive, Halifax, NS, Canada B3M 1J2 Telephone: +1-(902)-443-5910 Fax: +1-(902)-431-5100; +1-(902)-443-5910 E-mail: jdpinter at hfx.eastlink.ca Web: www.pinterconsulting.com www.dal.ca/~jdpinter
- References:
- Smalest enclosing circle
- From: Steve Gray <email@example.com>
- Smalest enclosing circle


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Showing he is truly smitten, Justin Bieber, currently in the UK with Hailey Baldwin for London Fashion Week, serenaded his fiancée outside Buckingham Palace yesterday.
Tourists, many of whom must have thought the Canadian pop star, who was dressed in a tie-dyed hoodie and black shorts, was just another street performer, enjoyed an impromptu performance of Cold Water, the singer's collaboration with Major Lazer and MØ. There was no doubting whom the song was intended for though when Bieber sang, "And if you feel you're sinking/I will jump right over/Into cold, cold water for you."
Bieber, who also placed his guitar case at his feet but received no tips, seemed to enjoy the carefree acoustic performance while passersby seemed unfazed by the teen idol's appearance on the streets of the city. The singer is in London to accompany his love to the Adidas's show, where she is due to walk the runway.
The couple, who were spotted at the New York City Marriage License Bureau last week, have been dodging rumors that they are in fact already married. Baldwin rebuffed the claims in a since-deleted Twitter message that said, "I understand where the speculation is coming from, but I'm not married yet!"
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A few days before the denial, Baldwin said she was making plans for a small wedding with family and friends. "My sister was 24 when she got married, and my parents also got married when they were young, too. I see no reason to wait," she said. "When you know it's right, it's right." The pair, who dated for a couple of months a few years ago, got engaged in the Bahamas a two months ago after reuniting earlier this year.
Despite Baldwin's assertion that they still haven't wed, her uncle Alec Baldwin added fuel to the fire on Monday when he was asked about the couple on the red carpet at the Emmy Awards. The actor, who is known to be a jokester said, "They just went off and got married."
RELATED: Justin Bieber & Hailey Baldwin Are Legally Married According To Alec Baldwin
Aside from Cold Water, Bieber also treated onlookers to a cover of Tracy Chapman's Fast Car, which, among other things, is also about young love with lines like "And your arm felt nice wrapped 'round my shoulder/I had a feeling that I belonged/I had a feeling I could be someone."


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ST1100 Archive of Wisdom / Re: Driveshaft and U-Joint Replacement ( ST1100 ) *« Last post by KoTAOW on February 11, 2012, 04:40:37 PM »
Driveshaft and U-Joint Replacement ( ST1100 ) - Part 3
I had a short "test route" in mind for the shakedown but, somehow, kept missing my turnoff.
It is silky smooth! Oh Boy! I do not remember it ever being so completely without vibration of any sort as it was today. Me thinks that the driveshaft was on its way out long before I got my hands on the beaSTie. It is also quieter than it was... at 100+ km/h I cannot hear the engine at all, even dipping my head down to the tank, out of the airstream, just the whirring of the cams, no induction noise, nothing. It was never like that before.
Gear changes are waaaaay smoother with no obvious lash in the drivetrain. Huh! Who knew??
Checked the drivetrain lash (bike in 1st gear on the center-stand, rotate wheel in each direction until it will not turn any more) and got a measurement of 18.3mm on the wheel hub. Previously it was 20.1mm.
Ok, that's it! I am mobile again. Thanks for watching this program.
A couple of weeks on....
Still enjoying the nice smooth vibration less ride but I thought I would post a couple of observations...
As previously noted, the gearbox operation seems to be quite a bit better than prior to the repairs and continues to be so.
In my 20/20 hindsight analysis of possible symptoms, I had noted a "tunk" sound that occurred just as the clutch was transferring power to the rear wheel. I had also noted that others had had this sound as well but nobody had found the cause but suspected things like the wheel cush-drive. Well, I have to report that the "tunk" sound has not shown up since the refurbishment of the final drive/driveshaft. Since the only actual part replaced in this episode was the universal joint (I re-used all the other original parts bar a couple of o-rings) then I think it is reasonable to assume that this sound comes from that part. So... if you have the little clunk/tunk sound just as you ease out the clutch prior to starting from a standstill, I would recommend checking the universal joint soon.
Thank You again for your contribution Allan Bool, STOC #6872


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Summarizes findings about strategies for funding African nongovernmental organizations directly or through intermediary groups, how the funding method affects NGOs' capacity to sustain their work, and NGO views of pros and cons. Includes recommendations.
Published By
Funded By
- Copyright 2011 by Tides Center. All rights reserved.
Document Type
This web page is marked up with Schema.org microdata and formatted for machine-reading. Here's why that matters. Have a peek at what a machine sees here .Title: Making the Right Fit: Supporting NGOs in Africa Using Direct and Indirect Funding
Publication date 2011-03-31
Publication Year 2011
Copyright holder(s) Tides Center , African Grantmakers Affinity Group
Geographical Focus Africa
Keywords grantmakers , intermediary , NGOs , organizational capacity , funding
Document type Report/Whitepaper , Article
Language English
URL: https://www.issuelab.org/resource/making-the-right-fit-supporting-ngos-in-africa-using-direct-and-indirect-funding.html
Resource provided by IssueLab


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a remarkable degree of religious loyalty to their special tradition. They, too, continued to preserve their Waldensian faith in the places that were offered to them as new settlements. Even the Salzburgers who were expelled by an intransigent Catholic archbishop in the early 1730s and had to leave their native Alpine valleys retained their confessional identity for several generations. As they migrated to faraway places, some to East Prussia, others as far as the new British colony of Georgia, they were praised by their fellow Protestants as heroes of true Protestant faith. In the territories in which they were able to settle they received, in most cases, special privileges, including the right to practise their faith. As a result, they were able to celebrate the memory of their special religious destiny.
The privileges granted to Huguenots, Waldensians, and Salzburgers should not be considered an expression of religious tolerance on the part of the host princes, however. The Huguenots, for example, were famous as extremely talented and productive artisans, and the Lutheran princes were pursuing their own economic interests when they permitted the Huguenots to settle in their territories and retain their own Reformed traditions. The princes' position was marked by economic pragmatism, as dictated by the theories of mercantilism, not by a deliberate policy of toleration. Nor were those princes who granted refuge to the Salzburgers inspired by Enlightened ideas of religious toleration. As they paid tribute to the fame the Salzburgers had gained on their journey through the empire, they attempted to stylize themselves as champions of true Protestant faith. Even in Prussia, a policy of religious toleration came later.
The principle of 'cuius regio ejus religio', first proclaimed in 1555 and confirmed in 1648, was put to a severe test in the late seventeenth and early eighteenth centuries when several Protestant princes decided to convert to Catholicism. The most spectacular case occurred in 1697 when the Elector of Saxony had the opportunity to become King of Poland on condition that he convert to Catholicism, which he did. And there were also other, similar cases. In 1733, for example, a Catholic prince inherited the Lutheran Duchy of Wurttemberg. Since the early Reformation of the sixteenth century, both Saxony and Wurttemberg had been first among the defenders of Lutheran faith. What could be done in Saxony and Wurttemberg to honour this tradition if their prince was a Catholic? How could the confessional balance of power in the Holy Roman Empire be preserved if leading princes changed confessional sides? In both cases the estates successfully claimed the right to protect Lutheranism and to be responsible for the course of church government. Through this compromise, the delicate relationship between Protestant and Catholic powers within the empire could be maintained.
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Paolo Gorini
Paolo Gorini is an Italian pianist and composer. His activity focuses mainly on contemporary music; his eclectic training made him a musician at his ease in different genres. He worked with the German pianist Hauschka during the Milano Piano City 2015 opening concert, and he frequently collaborates with Sentieri Selvaggi Ensemble. His commitment to the production of contemporary music constantly brings him to working closely with emerging composers: he have participated several times in the Composer Festival Amsterdam, he performed "À travers le verre du temps" by Gerardo Gozzi at the Royal Academy of Music, London, and he is now the official pianist of the Nieuw Ensemble. In duo with Marco Danesi (clarinet), he won the Storioni Toonzaal Prijs 2017. In 2016 his piece 'Geometrie di vento' for Orchestra was commissioned and performed in Milan by the orchestra I Pomeriggi Musicali. His last piece, 'Caligo luminis' for voice and piano has been used for the video mapping show 'Ecce homo' during the festival CidneOn 2018.
Paolo treedt zondag 27 januari 2019 op in de kerk van Mook, samen met Marco Danesi, met wie hij het DUO EBANO vormt.
Foto: Tatiana Mazzola


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Brace yourselves – the asteroid that narrowly missed the Earth back in September is coming back for another pot shot. Experts have estimated that the chance of the planet getting hit by Asteroid 2013 TV135 in 2032 is "better than that of winning the Powerball". However, with twelve Powerball jackpots won and zero Extinction Level Events so far this year, we at LotteryWorld think these experts should check their facts!
Although the odds of winning the jackpot seem incredible at 1 in 175,223,510, the simple fact is that players do win. Although last night's results saw no one match all six numbers for the ninth time in a row, we'd remind players that it has only been a little over a month since an anonymous man from South Carolina secured a whopping $399.4 million jackpot after he purchased a handful of Powerball tickets instead of the hotdog buns he originally went to buy!
Despite no one winning Saturday's $186 million jackpot, six lucky players from California, Florida, Illinois, Missouri and Pennsylvania did manage to match five main numbers to win $1 million each (the Californian winner took home $541,955 due to the pari-mutuel prize system).
Saturday's rollover means that the Wednesday jackpot is estimated at an incredible $216 million, which is the tenth time so far this year that the Powerball jackpot has rocketed past the $200 million barrier.
So, in the unlikely event that astronomers are right and the asteroid is hurtling towards Earth, don't let that put you off buying your Powerball tickets – as $216 million would buy a heck of an end of world party for 2032!
Mega Millions News
Don't forget, the first Mega Millions draw incorporating the new changes takes place this Tuesday, with a jackpot of $55 million at stake. The new format offers larger starting top prizes, faster growing jackpots and better odds of winning a prize all for the same tiny price of $1!
For more Earth-shattering jackpot news, visit Lottery.netby
Updated June 8th, 2018


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List of amazingly huge vehicles from planes to cranes. From Odometer, my favorite:
This larger than life dump truck is the biggest in the world. It has two engines pumping out a total of 4600 horsepower. It may not be efficient, but it works.
It's a dump truck the size of a house.


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lmao. XD Short but gold. And my knowledge of ships keeps growing! Reefs not good. Roger that.
lmao. XD Short but gold. And my knowledge of ships keeps growing! Reefs not good. Roger that.
The voice's oh, they were so refreshing. Much like a nice breeze
Thanks! It definitely takes time to get them recorded/collected but it's definitely been worth it.
reef fer
Informative and witty, I enjoyed the movie but I did not really like the extremely sudden ending. Also, why are the characters a billiard ball and vacuum tube? It's not that it was a bad choice (it added to the film's wit) but it just seemed a bit random. Good job nonetheless.
It's a Clock Crew thing, Billiardball and RadioTube are our respective aliases essentially. Thanks for the review!
hahahaha, that was very funny, and it also introduced me into the world of wooden-mine-sweeper ships!
excellent visuals, amazing drawings of both the ship, and of its electronics/equipment, and ofcourse, the background.
clever pun in the chainsaw, i enjoyed that.
i loved this flash like i love all of your stuff, and i am happy to be part of this!
keep it up, and do more educational flashes like this!
(the ending was perfect, lol)


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67 3/4" Dimplex Mimico Black & Rift Grey Bookcase Mantel with Opti-Myst Flame - GOS40CH-1454RG
Product Description
|Picasso himself would be proud of this cubist design. Each block in this playful stack is offset or cantilevered giving it depth and character. The final result is a highly functional expression of
a contemporary curio which can be used to separate spaces or create an elegant focal point, beautifully exploiting the 360° views of the heatless Opti-myst® cassette.
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I wasn't planning on doing a post on this at all, but it feels right so I'm going ahead. I know that the photos are awful quality but the memories and smiles in the pictures mean more to me than any fancy, clear photo.
I feel so happy right now I am grinning from ear to ear. I had a brilliant night with some of my closest friends last night, nothing fancy or posh - just gathered round a table with Dominos pizza! After being in such a dark place last year I really cherish memories like this and make sure that I do not take them for-granted.
Friends are such special things and if you haven't already spoke to a friend today, reach out and message/ring a friend who you haven't spoke to in a while - you won't regret it.
Within my friendship group, were all going through such a stressful and busy time with exams speeding towards us (9 WEEKS TOMORROW!) that we can sometimes let that get in the way of taking time of and relaxing, even if only for a hour. That's why I really enjoyed spending the evening with the girls, forgetting about all the day to day stresses and laughing together.
In all honesty, I have no idea what the purpose of this post is, but I promised myself I wished to document my life more on my blog and treat it like a scrapbook so I guess I am just doing that.
Message of the blogpost: make an effort with your friends this week. No matter how busy/stressed you are take some time of to catch up with you're favourite people!


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Things To Know About Your Roof
Just like roofs of old modern roofs offer protection from the elements but in addition they also provide a variety of functions for the home. The advantages of combining all the individual roof components add up to a more durable roof.
The energy-efficient production process and long product life cycle of concrete tiles mean that they have one of the best environmental footprints of all roofing materials. Coverland manufacture a wide variety of concrete tile profiles with accompanying ridge/hip fittings, perfectly suited to for a distinct look. Innovations and the improvement of tile surfaces is their expertise. Coverland's premium coated tiles, Lumino and Flair, offer a unique vibrant tile colour. The Clay tile rand is a selection of beautiful contemporary and Mediterranean profiles sourced from Europe.
Your roof will affect the indoor climate of your house/building. UV rays penetrate through the roof surface making the interior of the home hot in summer and escapes through the roof in the cooler months. This spikes your electricity for heating and cooling equipment. Coverland Radenshield Aluminium membranes reflect 97% of UV rays while also keeping in the warmth during winter. It reduces indoor temperature by 10°C in summer. Coverland Radenshield is recommended as replacement for standard under tile membranes and is manufactured for residential and industrial use.
One of the most common maintenance problems with roofs are leaks. Roofs commonly leak due to flashing details that weren't fastened properly during installation, or underperforming material. In South Africa the roof ridge and hip tiles are fixed with mortar that crack causing wind-driven rain to enter into the roof. Maintenance-free ridges are achieved with the waterproof yet breathable Dry Ride rolls, which are mechanically fixed to the roof ridge and hip-lines replacing mortar that cracks and leaks. Coverland EasyFlash abutment rolls are a high performing lead-free alternative to traditional waterproofing for walls-roof junctions.
Extreme wind forces pull at the roof tiles and create pressure differences between the roof space and the outside roof tiles causing unsecured roof tiles to lift. Coverland underlays offer resistance against wind penetration. Nails and storm clips are recommended to secure roof tiles in all parts of South Africa so make sure they are installed as per legislation.
Quality products are essential for the durability of your roof. Excellent performance and ease of use on the roof are vital to the success of their roofing systems. Coverland roofing materials are tested on an ongoing basis at the Group Testing Facility in Germany to ensure that they conform to the relevant quality standards.


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CMARFE Delicacy and Souvenir Shop
CMARFE Delicacy and Souvenir Shop a shop established and managed by Rank and File Employees of Local Government Unit of Carmen . These professionals are working at Municipality of Carmen, Poblacion Sur, Carmen, Bohol. The association opened the shop on March 2018. The shop accepts different products that pass the quality standards and suite in the business name either from the member offices of LGU-Carmen and other trusted suppliers.
We have a different kinds of delicacies and souvenirs that would suite to different of tourist who took a vacation. Our products are made from the materials and ingredients of the locality. The delicacy are naturally made and processed and most of it are hand-made. Banana chips and pritzels are the most sold products among the delicacies. One the other hand, souvenirs are from the available materials from crops and goods in the province. Either it is hand-made or machine-aided, those are quality products. The best sellers of the souvenirs are hand bags which are durable and affordable. For consumer's concern, our staff check and ensure our product is safe, good, durable.
CMARFE Delicacy and Souvenir Shop site is at Chocolate Hills Complex, Buenos Aires, Carmen, Bohol. A distant away from the Municipal Building of Carmen where the most of the member of the association are working. Staff informs the customer's about the available products and keep looking for potential clients who loves delicacies and souvenirs. The shop is in the middle that overlooks the beautiful of Chocolate Hills that spread throughout the entire municipality.
Our variety delicacies and souvenirs made passionately from the with the trademark of locality. The designs crafted based with the tourist attraction of the town and brings forth the province. Here at CMARFE Delicacy and Souvenir Shop, we are an expressive professional who believes in the power of sensory experience in finding personal look. Our warm and social interaction will be a confidence builder optimistically makes your hearts swell, pulses race, emotions rise. The shop concern are safety, style and taste matters and makes it the "Home of Boholano Delicacies and Souvenirs".
To Learn more visit CMARFE Delicacy and Souvenir Shop


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Let's Discuss Integration on Talk Unchained
Podcast: Play in new window | Download
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Professor Marlon Aldridge hosts a discussion about the pros and cons of Black integration into mainstream America. Have Blacks benefitted from integration and if so in what ways? Have there been any detrimental effects? These questions and more await an interactive discussion on Talk Unchained. Listen or join in the converstion by calling (515) 605-9891 or listen over the Web by following this link, http://tobtr.com/10662441.
Listen to Talk Unchained each Wednesday night at 9:00 p.m. (EST). Each show is archived for future retrieval.


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Mobile phone advice please any one have the HTC HD2
That time of year again do any of you have the HTC HD2 Mobile looking to get it any comments on the phone if you have it.
Peter Normington wrote:Well,
changing to Iphone was the worst decision I have made phone wise,
Nokia, samsung, and others do just as much, and more. but do it better.
Return to Say Hello & Off Topic Chat
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- About
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The KidZing Chorale is a mixed group of fourth and fifth grade girls/boys at Fall River Elementary School. Rachel Aurand is the Chorale director. This is a non-auditioned group that meets from September thru May.
They have two large concerts in the Vance Brand Civic Auditorium; a winter concert and a spring concert. Both are free to the public. All rehearsals are on Tuesday mornings from 7:45-8:45a.m. in the Music Room at Fall River.
Registration forms will be handed out by the end of August. The cost for the entire year is $50.00. This fee includes the ordering of all music, the KidZing T-shirt, and the performance cost of our performance space.
Please email Rachel Aurand at firstname.lastname@example.com with any questions.
Vance Brand Civic Auditorium
600 E. Mountain View Avenue
Longmont, CO 80501
(303) 651-0401
The following is a wonderful website address for those interested in their children studying Piano/Instrumental/Vocal lessons!
This website includes taking lessons from wonderfully certified teacher within the Longmont and surrounding area! www.bamta.org
There are no upcoming events associated with this club.
1400 Deerwood Dr.
Longmont, CO 80504
Phone: 720-652-7920 | Fax: 720-652-7931