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|By Ardath Albee
Article Rating:
|August 13, 2009 07:15 PM EDT
When a salesperson jumps into the lead relationship after marketing has nurtured them, it's essential to do so in a context that matches the lead's expectations. Depending on the amount of information the salesperson has available at the point of transition, the message they send can have a huge impact on how well they position themselves as a value provider.
Your prospective buyers experience information about your company's offerings in a myriad of different ways. Depending on their priorities, messaging can miss completely leaving that lead to wonder what the heck happened and causing them to question whether they really want to work with a company who understands them one minute and acts like they're a stranger the next.
Let's consider an example.
Sara has been actively following a marketing campaign from your company about how to gain more efficiency in staff utilization. She's read every white paper and web page that relates to increasing staff productivity, attended a webinar on the subject and requested a salesperson call her.
You get assigned Sara's account. But, you have no idea that her express interest is increasing efficiency so you choose a pre-populated key value message that's worked well in the past when you email her to set up a telephone meeting—the one that emphasizes reducing costs by cutting head count.
Sara doesn't respond. In fact, when you try to call her to follow-up, her assistant insists she's busy and dumps you directly into voicemail.
Both of you are now wondering what happened.
You think marketing got carried away and over scored Sara's account, pushing her forward in the process when she wasn't "hot" enough to move to sales activities. She thinks you're uninterested and out of touch and can only shudder at the thought that once she becomes a customer her account will be handled in the same fashion. Sara also likely thinks that all you care about is the sale, which is a total disconnect from her previous dialog with your company.
The problem here is a failure to communicate.
You need to make sure that you get as much profile information about leads assigned to your queue as you can. If you step into the conversation with a relevant message that conveys a high level of understanding and attention to customer detail, Sara is likely to have an entirely different response to your message. You'll have positioned yourself as a value provider focused on helping Sara solve a high-priority business issue.
Research by Huthwaite® in regards to prospecting showed 94% of buyers couldn't remember a single prospector or message they had received during the last two years. This means that the more closely a salesperson ties their message to the marketing dialog the lead is accustomed to, and anticipating, the better outcome they can achieve. If your message is disconnected from their prior experience, it can be like pushing a rock uphill to get that opportunity back on track.
By the same token, make sure your outreach does not assume too much. As the shift from nurturing to sales activities takes place, you need to re-establish a comfort level with the lead. This means you need to enter the dialog at the same place they're at in their buying cycle.
The following tips can help you do just that with the leads you receive from marketing:
- Reference their implicit interest in a high-priority business issue
- Offer something of value – article, success story, etc.
- Do not pitch them
- Do not mention your product
- Give them a specific reason to respond to you – one that has value for them.
- Be professional, but personable
It's important that your communication be perceived as valuable by the lead. The entire sales process is now about the value buying from you can deliver. Let's face it, if they wanted just the product, they can probably find one similar to yours somewhere else. Products are commodities.
Glen Petersen, in his book The Profit Maximization Paradox, says that 85% of the decision to buy is directly impacted by the interactions between salespeople and the customer. So once the transition to sales happens, the ball is almost entirely in your court. The relationship you establish will make or break the deal.
Let's look at a real message I received after exploring global collaboration on a vendor's website. Although I've removed any specific company references, I think you'll get the point.
As gas prices continue to rise, many businesses are looking for creative ways to cut costs and remain competitive. Our company's product can help you reduce expenses, while increasing productivity throughout your business.
Let me show you how you can:
Do you have time this week or next for a brief discussion about your business needs? Please reply with the best time for me to contact you.
- Product Benefit A
- Product Benefit B
- Product Benefit C
Best regards,
Sally Salesperson
Does anything about that message speak to my interests or let me know the salesperson has any idea what matters to me? Even though that first sentence could speak to a need, it's generic, assumed and doesn't show they even know what I'm interested in. On top of that, they want me to make time to educate them about my business needs. They obviously have no idea about my priorities.
This kind of "so what?" message will leave you in the dust as fast as a lead can hit the delete button. It is not about the potential customer, it's about them. The salesperson hasn't done their homework. Most of your leads will see right through such poor messaging, resulting in diminishing engagement with you, and your company.
Now, let's look at a message likely to generate a better response:
I noticed you've read a number of our website resources about how to collaborate more effectively across geographic locations.
I've researched your company and would like to share an example of how we've helped companies like yours achieve that goal. Not only have they achieved higher levels of collaboration, but demonstrated value by delivering innovations to their customers—much faster than ever before.
I've attached a success story to demonstrate the business case and have some additional ideas I'd like to share with you to help your company quickly achieve these kinds of outcomes.
If you think your company will benefit with this kind of successful collaboration, let's talk.
Which one of these messages would you not only rather receive, but be more likely to respond to? The first one is company focused and indifferent to the lead's expressed interests. The second one shows you care and positions you as a value provider. By sending targeted messages, you'll have a much better shot at assuring that 85% of the purchase decision swings in your favor.
- Screaming Louder Won't Help
- B2B Website Back Door Optimization
- Plan B2B Content for the Takeaway
- What the Stimulus Plan Means for Your Business
- B2B Prospects in Funnels More Than Pipelines
- Spam is Not Marketing Content
- Marketing Automation Must Support a Business Process
- Plug Your Marketing Leaks
- How Catchy is Your Content?
- Quit Using Email to Train Your Leads to Ignore You


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Screenshot was taken from Glamour's video
Ashley Graham is once again using her platform as a plus-size model to inspire other women.
The gorgeous supermodel recently gave a talk to young girls about loving yourself and putting your insecurities behind you and her empowering message is: "Being okay with who you are is a revolutionary act."
Check out her inspirational speech below courtesy of Glamour:
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subset: commoncrawl


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Welcome to Campus Recreation
The Department of Campus Recreation is located in the Foglia Foundation Health and Recreation Center (Building M) and offers numerous recreational experiences for students, faculty, staff and the community in an inclusive and friendly environment.
Health and Recreation Center (Bulding M)
The new 135,000 square foot state-of-the-art facility offers a four court fieldhouse, suspended jogging track, aquatics center, fitness studios, cardio/strength areas and numerous programs, services, intramural sport activities and special events. Membership is free to Harper students enrolled in the current term. Memberships are also available to Harper staff and the community.


text: A quick note this week: If you know of any blogs out there that focus on hardware documentation writing I'd love to hear about them. I'm keen to see if there are other topics being covered out there as I'm aware that my scope is defined by my current interests. Right, let's press on. Can online help show "read wear?" Anne Gentle ponders on how best to show the online help topics which have the most traffic, and comes up with some interesting ideas: "You could … show the most searched-for terms when the user searches. Concepts may be more easily connected when you understand what others were searching for." To my mind anything that helps people find what they …Continue reading


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NYFW Top Ten Moments
This New York Fashion Week has been a nonstop whirlwind. Every day has been full of invigorating fashion and eye-grabbing news, so much so that it's hard to keep up! Here are my personal top 10 moments from the past week. #1: When glitter and shimmer took over at Zimmermann, Saint Laurent, and Rachel Zoe:


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Binary Brokerz Review
BinaryBrokerz is becoming more and more popular binary options broker among traders worldwide and especially in Europe. Since its foundation in 2014, the broker is constantly expanding their business into different area and getting new customers day by day.00000
Broker Name: Binary Brokerz
Platform: TradeSmarter
Founded: 2014
Return/Refund: up to 85% Return and 0 to 10% Refund
US Traders Accepted: No
Number of Assets: over 80
Regulated: No
Demo Account: Yes
Deposit Options: Credit Cards, Wire Transfer, Skrill, Neteller, Webmoney and many more.
Language: English, Nedelands, Deutsch and Arabic
Minimum Deposit: $250
Mobile: Yes
The platform is geared toward comprehensively binary options trading, and so traders can gain up to 85% in a matter of minutes. Binary Brokerz's trading platform is powered by TradeSmarter, which offers a variety of trading instruments. Traders need to simply select the desired asset, click Put or Call, Select the amount to invest and click Trade.
Tunnel is the real innovation here. It enables traders to trade with options that feature several strike prices -s the asset takes out each strike price, a payout is won. This trading type requires trader to be aware of the direction as well as the range of the movement.
BinaryBrokers also offer a mobile trading application for maximum binary options experience on the go
They have about 80 assets
- Standard binary options – these are the familiar to the entire audience Above and Below options, as well as the special Put/Call options
- 60 second options – for faster results and great profits
- 15 minutes binary options for average expiry time lovers
- Ladder options for advancing progress in the field
- Touch options with great payout ratio
- No touch binary options
- High/Low: This is the traditional Call/Put option with payouts of 85%. You simply predict the direction of the price of the underlying asset.
- Sixty Seconds: The sixty second option gives traders the opportunity to turn profits by the minute, and the payout is quite high as well at 85%.
- StrategiX: This technically a combination of touch and boundary options which give traders an opportunity to choose amongst four predictive levels.
Traders can predict whether a trade will trade above or below two levels (up and beneath the current market price within a given time), or whether the price would remain range bound without touching the two levels for a potential 318% and 125% payout respectively.
Also, traders can also predict whether the price will touch or fail to touch a particular level for a potential 154% and 21% payout, respectively.
The payouts also depend on the type of asset and the prevailing market price and are determined by the broker. Sometimes the payout could be higher or lower than the listed percentages.
The customer service team at BinaryBrokerz is considered by many to be the broker's crowning glory. BinaryBrokerz is staffed by real binary option trading experts and on-call and emails 24 hours a day in several languages and it is a genuinely impressive customer care package. You will get the quick solution to your problems at BinaryBrokerz. On the other hand, traders who usually spend more time on the phone will find a benefit because BinaryBrokerz has a very user-friendly mobile platform.
Binary Brokerz has opened up several avenues for traders to deposit money in their trading accounts.
Traders can do this via three broad ways, which include wire transfer, Credit/Debit cards (Visa, Visa Electron, MasterCard, Maestro, and American Express), and Electronic payments (Skrill, CashU, iDeal, WebMoney, and Neteller, among others)
The minimum deposit is $250 and the minimum trade amount per position is $25.
The two main withdrawal methods at Binary Brokerz are bank wire and credit/debit card. Withdrawal via credit/debit card is not charged, but any withdrawal done via bank transfer attracts a fee of $25 per withdrawal.
Additionally, traders cannot withdraw their bonus unless they achieve 30 times of the bonus figure worth of trading volume. Therefore for every $1 bonus, a trader must achieve $30 worth of trading volume.
Also all withdrawals are subject to identity/physical address verification by submitting various documents.
There are various account types and deposit methods are available on BinaryBrokerz.
- Basic: This account type represents the lowest deposit amount required for traders to begin trading which is $250. The highest deposit in for this type of account is $999.
The package also comes with a demo account of $1,000, an eBook, access to Daily Market Reviews and five basic personal educational lessons.
However, with this type of account you do not receive the risk free rate and there is no personal broker privilege.
- Silver: This account type attracts initial deposit of $1000-$2,499.
Traders also get to enjoy the benefits received by silver account holders, but in this case, the bonus comes at 45% while there are 10 standard educational lessons.
- Gold: This is the most popular account type and requires a deposit of $2,500 to $9,999.
Furthermore, traders receive 20 advanced educational lessons along with the other benefits received by Silver account holders.
- Platinum: This account type comes with amazing benefits including a private call for notifications on possible high impact announcements, as well as, a dedicated chief broker as compared to junior broker for Silver and Senior broker for Gold accounts.
The demo account has $50,000 worth of trading amount. The traders also receive 50 premier educational lessons along with the other benefits received by gold account holders.
Binary Brokerz offers the "Risk O-meter", which is really an amazing tool allowing traders to customize and control their risk, meaning you can lower the payout and losing amount. For an instance, your will receive 80% payout when risk is 100% and 60% payout for 70% risk. Besides that surprising tool, you will also get a personal experienced broker to guide you. In addition, traders are eligible for a 'Free demo account' if they make a minimal deposit.
Other interesting and unique features about BInaryBrokerz's trading platform include the availability of multiple choices of trading charts such as Social Chart, Line Chart and Candlestick Chart. These charts are useful since they provide traders with alternative perspectives about market conditions.
- Free signals
- Quick Withdraws
- Social Trading Supported
- Sophisticated StrategiX trading mode
- Support Mobile Trading
- Demo When Deposit
- Incomplete FAQ
BinaryBrokerz is becoming more respectable in the industry and we are not surprised by that. In fact, their business policy is based on expert knowledge and providing helpful guidelines to their customers to make them successful in their trading life. BinaryBrokerz platform is modern, their deposit and withdrawal processes are very effective and time savvy. In other conclusion, BinaryBrokerz is a well-balanced broker company and they are improving day by day.
Novice traders can trade with smaller deposits and can learn trading strategies while experienced customer can get expert suggestions from the BinaryBrokerz Expert Team.
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This beautiful necklace will become an everyday staple. It's very simple and elegant — adorable with any outfit and really easy to dress up!
I hand-formed and soldered a large sterling silver ring into an irregular, organic circle. I hammered it for extra width and texture and polished it to a lightly brushed metal look. Every pendant will have a slightly organic, circular shape for a totally unique, handmade necklace.
This necklace comes with a beautiful, delicate sterling silver necklace chain. Each chain is secured by a handmade, signature necklace closure. **Length pictured is 18″**
Every piece is organic and unique — no two pendants are exactly alike.


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Washington, D.C: The Financial Stability Oversight Council (FSOC) on Wednesday announced that it has rescinded its determination that material financial distress at Prudential Financial, Inc. (Prudential) could pose a threat to U.S. financial stability and that Prudential shall be subject to supervision by the Board of Governors of the Federal Reserve System and enhanced prudential standards.
The U.S. Financial Stability Oversight Council (FSOC) announcement that it had removed the systemically risky label from Prudential Financial (PRU) frees the insurance company from more rigorous oversight by the Federal Reserve.
"The Council's decision today follows extensive engagement with the company and a detailed analysis showing that there is not a significant risk that the company could pose a threat to financial stability," said Treasury Secretary Steven T. Mnuchin. "The Council has continued to act decisively to remove any designation that is not warranted."
Section 113(d) of the Dodd-Frank Wall Street Reform and Consumer Protection Act requires the Council to reevaluate its nonbank financial company determinations at least annually.
The Council approved the rescission of Prudential's designation unanimously. Securities and Exchange Commission (SEC) Chairman Jay Clayton was recused from this matter and delegated his voting authority to SEC Commissioner Elad Roisman.
The decision by the regulatory council Council could cut regulatory costs at Prudential, which no longer will have to meet enhanced capital and liquidity standards and comply with Fed regulators. It also means regulators no longer consider any nonbanks to pose a threat to the entire financial system.
"We are pleased with this decision, which affirms our longstanding belief that Prudential never met the standard for designation," the company said in a statement.
The move by the FSOC, a regulatory panel composed of top Trump administration regulators charged with monitoring the financial system for looming threats, had been widely expected.
Prudential was the only remaining nonbank to be considered a "systemically important financial institution" meriting tougher oversight. The FSOC discussed the company's status at a closed meeting Tuesday.
Treasury Secretary Steven Mnuchin, who chairs the FSOC, said the decision was based on "a detailed analysis showing that there is not a significant risk that the company could pose a threat to financial stability."
Regulators were given the power to identify single firms as potential threats to the entire financial system under the 2010 Dodd-Frank financial reform law. The Obama administration identified a handful of nonbanks as systemic, but Wednesday's announcement means no nonbanks will be subjected to that sort of oversight going forward.
In November, the Treasury Department recommended regulators monitor types of financial activity, rather than specific companies, when monitoring market-wide risks.
Prudential Financial is no longer considered a systemically important financial institution (SIFI) the last nonbank financial institution to lose that label.
This is not a surprise move, as it's been expected at some point since the beginning of the Trump administration. As recently as 2016, four non-bank firms were SIFI designated (AIG, GE Capital and MetLife have since been removed).
Nine of the council's 10 voting members are Trump appointees.


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Prentice-Hall, publisher of the "Foundations of Modern Genetics Series," has included in this group a monograph on human genetics. As the author of this monograph, Victor McKusick has been freed from the laborious task of trying to include a basic primer on genetics as a prelude to human genetics. This has allowed the development of a concise text with the use of human disorders to explain genetic principals.
The text is primarily concerned with genetic concepts rather than cataloging human diseases. In this respect the author has done a remarkably fine job. The chapter on the historical development of human
Human Genetics.. Ann Intern Med. 1970;72:613. doi: https://doi.org/10.7326/0003-4819-72-4-613_2
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Published: Ann Intern Med. 1970;72(4):613.
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Franz-Josef-Strasse 26, 5020 Salzburg, Austria Show on the map
MX$797 /night
TripAdvisor Score Based on 1735 reviews
- WiFi
- Car park
- Air conditioning
- Spa
- Pets admitted
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Excellent location
Choose your room
This hotel is an excellent base for clients wishing to explore the city and offers very good standard of accommodation. It also has a sauna and solarium. 1008 SR
Check-in and check-out
Check-in starts at: 15:00
Check-out ends at: 12:00
Useful information:Other names for Hotel NH Salzburg City:
Nh City
City Salzburg


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Garrett Camp
Garrett Camp was bornon 4 October 1978 in Calgary, Canada, is Cofounder and Chairman, Uber Technologies Inc.. Garrett Camp is #436 in List Billionaires People In The World. Uber chairman Garrett Camp cofounded the ride-hailing startup with Travis Kalanick in 2009. The Uber mobile phone app lets users request a ride and a driver-contractor is routed to pick them up -- with Uber getting a cut of the fare. Now operating in 76 countries, Uber has facilitated more than 5 billion rides as of May 2017. Before Uber, Garrett Camp founded web discovery tool StumbleUpon, which he sold to eBay in 2007 for $75 million.
$6 Billion
$6.3 Billion
$6.3 Billion
$4.79 Billion
I believe that our business can have 10x the impact it has today--once we have additional leadership and training in place, and evolve our culture to be more inclusive and respectful.
According to Tech Crunch, as of June 2017, Camp had not been involved in Uber's day-to-day operations for some time
In March 2016, Expa raised an additional $100m to fund the creation of new startups, and announced Expa Labs, an early-stage incubator program
In 2015, he was the 283rd-richest person in the world and the third-richest Canadian, with an estimated wealth of US$5
In March 2014, Expa raised its first $50M from investors to fund the design and development of new companies
Garrett has been a speaker at conferences such as Wireless Influencers and South by Southwest, and was a judge and panel member at DEMO Mobile 2013 in San Francisco
Garrett was also a Series-A investor in Behance, prior to its acquisition by Adobe in 2012
The Giving Pledge was created in 2010 by Warren Buffett and Bill and Melinda Gates to encourage the world's richest people to "publicly dedicate the majority of their wealth to philanthropy" while they're still alive
In mid-2009, the first prototype was built by Camp, and his friends, Oscar Salazar and Conrad Whelan, with Kalanick being brought on as a "mega advisor" to the company
In 2008 Garrett was named by Bloomberg Businessweek as one of Tech's Best Young Entrepreneurs
Garrett was named to the TR35 List of Top Innovators under the age of 35 at Technology Review's Emerging Technologies Conference at MIT in 2007
In 2006 StumbleUpon relocated to San Francisco upon receiving its first round of funding from Silicon Valley angels
StumbleUpon is the first web-discovery platform and personalized recommendation engine, co-founded by Garrett in 2002
Garrett Camp (born October 4, 1978) is a Canadian businessman and investor


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In a ruling that will make a lot of people shriek about the Patriot Act (though it has nothing to do with either patriotism or terrorism, an Indiana judge has ruled that Planned Parenthood can no longer shield rapists from child abuse authorities.
At issue are the medical records of 84 girls younger than age 14 who visited Planned Parenthood, and according to the law in Indiana, if a girl needs to visit Planned Parenthood before 14, someone is molesting her, by definition.
So think about it: whose privacy is really being protected by the organization? The girls? Their names won't be released, and the authorities won't be accusing them of any crimes. It's the "uncles," neighbors and boyfriends who took advantage of them.
Betty Cockrum, CEO of Planned Parenthood of Indiana, said, "We are a trusted member of the community and work closely with authorities to protect the young women and men in Indiana."
Funny place to mention that they protect the men as well as the young women.
Wednesday, June 01, 2005
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Governor Bent Pre-K is located at 5100 Hendrix NE at the site of Governor Bent Elementary School. We are near the southeast corner of Montgomery and San Pedro. The elementary school principal and staff have been very supportive of our efforts to provide a continuum of educational service to families in their community. Our experienced staff is dedicated to providing quality services for our young students. We work with the whole family to provide meaningful learning experiences for everyone. We are sensitive to the diverse backgrounds of our families and work to build a partnership with each family to help the children learn and grow.
Our yearly program will begin in the fall and ends the following July. Our calendar schedule is not the same as the Albuquerque Public Schools because we are part of the City of Albuquerque's Division of Child and Family Development Services. All children enrolled in Pre-K attend our year-round program. We can offer parents who are working or going to school wrap-around childcare services before or after Pre-K sessions, which are paid for by families on a sliding fee scale. Times for wrap around services will be determined by family work or school schedules. Our Pre-K program strives to provide quality care and education in a safe learning environment that is child-centered with a developmentally appropriate curriculum which includes early literacy, thinking, reasoning, problem solving, fine and gross motor development, language and communication skills, creative development and social-emotional competency.
5700 Hendrix NE
Albuquerque, NM 87110
County: Bernalillo
License ID: 136128
Facility/Home Provider:
In order to get the Inspection Reports for this site, please copy the License ID above and paste it/type it in the "Number" field displayed at the CYFD Inspection Reports Website. Note: Be sure to not include any extra spaces.


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Link url direct rat chat tang DA, PA
cryptocurrency development solution | vietnam it outsourcing company | offshoring development | outsourced app development benefits | top clutch it outsourcing company | AI blockchain applications
Recently, Clutch top mobile app developers announce that Savvycome is honor become one of top 25 it outsourcing companies on the global market. How great the new is.
The most thing i want to say to you is the magic off it outsourcing company, what do you know about it?
What are the benefits of outsource app development?
1. Mobile app developer expertise
2. Cost reduction
3. Saving time
4. Quality services
So, What are the pros of offshoring development?
1, Cost effective
2, Experience
3, The burden of time
4, Reliability
Both of them are contributions to the huge benefits of web app development company . To become the large company that carry big impact to hundred of top it outsourcing firms. It's needed requirements.
healthcare mobile app development become hot industry nowadays. with the grow of app developers, in demands, boost these rate. Together with these company, the development of both chatbots and AI. Specially, We wonder that what are the chatbots, and how to development chatbots for customer services.
outsourcing it companies is getting to be plainly less demanding and all the more compensating on the grounds that outsider sellers would now be able to offer administrations that are versatile to an organization's needs without enormous framework ventures. Server farms, for instance, can offer distributed computing, meeting and hyper joining innovations, database investigation, catastrophe recuperation designs, and other significant administrations.
blockchain app development services give little and medium-sized organizations the capacity to contend with bigger organizations. Outsider administrations additionally give huge organizations the assets, security, and key arranging they require.
With the fast speed of software development company, it's said that AI can end blockchain app development services in business. Is this right or wrong, we can continue for further details.
So the question is, why you need outsourcing when AI is existed?
For this question, maybe there are two way of direction to answer
1, AI need human to best perform
2, Outsourcing is not related to AI, they can make ai, and end AI.
Although, the development of AI, together with outsourcing app development benefits business. They can support each other to develop more and more in the future.
it outsourcing companies from these countries is your best choices.
India - medium level quality back-end work, cost low to medium
Vietname, best countries for outsourcing software development - For high quality, cheap cost to medium, base app's requirements.
Poland - For high quality, back-end front-end and UI centric work - cost medium to high
Ukraine - For medium to high quality back-end work.
Romania, Bulgaria - For cost medium
China - for manufacturing related software, cost low to medium
beside this, vietnam is great destination for offshoring software development services.
With 2017 set to bid adieu, we are now ready to welcome 2018. Interestingly, software outsourcing companies is only likely to grow manifold. The latest statistics have indicated 63% of the outsourcing consultants expect their clients marketing to increase dramatically by 2017 end and in the New Year as well.
Now, the entire ai blockchain development is likely to grow via the use of centralized technology. Some newer aspects of technology and IoT such as AI and automated chat bots are also likely to be unilaterally introduced in more best countries for outsourcing software development.
Send an Instant Message to BentSea Using...


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Michael Kelley
Going For 2
Twitter: @MikeKelleyDLP
Website: http://goingfor2.com/
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Go to the Fantasy Accuracy Reports to see how this expert stacks up.
I have been playing fantasy football for almost 25 years now and have seen the evolution of fantasy football and the changing strategies over the years. Over the last few years I have written a number of guest articles on different fantasy sites. Last year I wrote a few regular columns for going for 2. I also have a Facebook group with over 1250 members that is very active during the season with waiver wire questions, sit start advice, keeper suggestions, and draft strategy.
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I can't say there is nothing in this article I could contest, but it is a great article nonetheless. It's nice to see some actual reason and balance from time to time. Unlike the Crimea, where actual Russian troops were involved, the situation in the East and South of Ukraine is essentially the same as Maidan. You can claim that Russia is influencing the movement, but the same can be said of the US and EU and their hand in the Maidan movement. At this point they are essentially the same. You can't idolize one set of protests as totally spontaneous and allowed to break the law with impunity, and then condemn another protest for doing the same thing. If the influence of more powerful nations is repugnant to you, then you should oppose the system in which powerful nations get to treat smaller nations as political footballs, i.e. capitalism.
Anyway, here's the link to the fine article.


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Swain's Cay Lodge is the perfect Bahamas Out Islands retreat. Located on a dazzling white powder-sand beach laced with swaying coconut palms and gin-clear water displaying every shade of turquoise and blue that there is, Swain's Cay Lodge is a true escape to peace and tranquillity.
Choose from our 6 Beach Front and Ocean View suites, 2 twin Garden View rooms or our 3-bedroom / 2 bathroom duplex apartment with spectacular sea views from the 360 degree terrace.
Our peaceful lodge offers numerous exciting activities with the world's best bonefishing with top independent guides a speciality. We have a range of great value fishing packages available and even have a bonefish flat right outside our lodge! We also offer reef and big game fishing, snorkelling nearby reefs and blue holes, kayaks and bikes for our guests' use to explore the island and beaches and are the ideal choice for couples or groups who like to spend a little time active and little time just relaxing under a palm tree, swinging in a hammock.
If you're thinking of getting married or looking for a dream honeymoon destination our idyllic wedding and honeymoon packages are simply heavenly. Our friendly team will help you plan your special day with a romantic beachside ceremony and a delightful wedding reception that can include exclusive use of our lodge for your celebration.
You will find our little piece of paradise on Mangrove Cay, Andros Island, only a short 15-minute flight from the crowds of Nassau. Our friendly team look forward to welcoming you to Swain's Cay Lodge soon.
Restaurant & Bar:
Reefside Restaurant
The Heart of Swain's Cay Lodge
Surrounded by shady green trees and with tranquil views is the Reefside Restaurant, the heart of our Bahamian beach lodge here at Swain's Cay. This is where you gather to eat, drink and socialize with other guests and your hosts.
The best seats at the Reefside Restaurant are on the porch. Outside, immersed in your natural surroundings, you can watch an entire day go by: listen to the faint heartbeat of humming bird wings as they travel from flower to flower or simply enjoy a signature Andros sunset. The porch is the perfect spot to watch the anglers come in from a long day on the flats. Or talk to other guests about the day's activities while enjoying an ice-cold Kalik.
Three bedroom Ocean View Duplex Apartment 3-bedroom / 2 bathroom duplex apartment with spectacular sea views from the 360 degree terrace.
Beautifully furnished three bedrooms, two baths, two queen size beds in two rooms and one room with a queen size bed, living room and kitchenette with small refridgerator and microwave and air conditioning.
Beach Front Suites
Beach fronted, Two Queen Size beds, separate sitting area, en-suite bathroom, porch / patio, private outdoor hot tubs and air conditioning.
Ocean View Suites
Ocean views, Two Queen Size beds, separate sitting area, en-suite bathroom, porch / patio and air conditioning.
Garden View Twin Rooms
Garden View Two Single beds, en-suite bathroom, porch and air conditioning.
Complimentary WiFi site-wide
Sun Loungers – Located on the beach and in the garden with comfortable cushions
Outside terrace – Beachfront with bar stools & tables
Beach – The perfect beachfront


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Back to Blog
Apr 04, 2018
US equities are higher at midday and have broadly advanced from session lows as US markets seem to shrug off today's Sino-American trade actions. US Secretary of Commerce Wilbur Ross stressed that the $50 billion in tariffs proposed by China represent only 0.3% of the US's total exports. Investor sentiment has improved significantly throughout trading, in contrast to the decidedly negative tone earlier. The VIX has risen to 21.62 (+2.46%), though has declined from earlier highs. The Nasdaq Composite has moved 0.39% higher, and technology is an outperformer today after being much maligned during recent trading.
The S&P 500 is relatively flat (+0.08%), after retreating more than 1.5% pre-market this morning. Consumer stocks are broadly higher with consumer staples rising 0.79%, while consumer discretionary advanced by 0.21%. Strong returns in consumer durables (+1.38%) and food & staples retailing (+1.27%) lifted their respective sectors higher. Large-cap technology is mixed as defensive telecommunication stocks are up 0.21%, but information technology fell by 0.13%. Energy is down by 1.28% and is the worst performing sector in the S&P 500. Industrials (-1.23%) are strong underperformers today as well and have been driven lower by today's Sino-American trade actions. Materials, utilities, and healthcare also receded.
Russell 2000 stocks are 0.55% higher. Small-cap consumer stocks are strong outperformers with consumer staples (+1.37%) and consumer discretionary (+0.74%) being the two best performing sectors in the Russell 2000 today. Healthcare (+0.49%) and financials (+0.30%) are the only two other sectors in the Russell 2000 positive territory. Energy (-0.51%) was the worst performing sector in the Russell 2000, as was the case in the S&P 500. Technology in the Russell 2000 is underperforming, led lower by disappointing returns in electronic entertainment.
Stocks Trending in the News
BLACKROCK (BLK) is looking to raise $2.5 billion for a private credit fund. BlackRock shares are up 0.55%.
Jet Airways, an Indian airline, is ordering 75 737 Airplanes from BOEING (BA). Boeing shares are down 2.45%.
CBS CORP. (CBS)'s takeover offer of VIACOM (VIA) was rejected. Viacom is reportedly preparing a counteroffer. CBS shares are up 0.47%, Viacom shares are down 4.60%.
JPMorgan analysts said that DEUTSCHE BANK (DBK.GR) should focus on its European business and reduce its US operations. Deutsche Bank shares closed up 0.13%.
The Japanese government passed laws that could benefit casinos. MGM RESORTS (MGM) shares are down 0.05%, while LAS VEGAS SANDS (LVS) shares down 2.54%.
TJX COMPANIES (TJX) will be raising its quarterly dividend to $0.39, 25% above its prior dividend of $0.31. TJX shares are up 0.79%.
SPOTIFY (SPOT) shares are down 5.64%, as a few analysts have come out with a few cautious ratings. Spotify now has 5 Buy ratings and 4 hold ratings.
S&P 500 Gainers
LatAm equities are mixed again today with Mexico's Mexbol being the only index in the region positive as of midday, currently up 69bps. Brazil's Ibovespa is lower by 83bps with 11 out of 63 company's advancing. Argentina's Merval is down 51bps with 9 out of 30 constituents advancing. Lopez Obrador, the leader in the polls for the upcoming Mexican presidential election in July wrote an op-ed today in El Financiero newspaper. He mentioned how he will not confiscate assets and will review public work contracts one by one to avoid corruption cases and to respect bondholder rights. Lopez Obrador also vowed to respect central bank autonomy and is calling for a signing of any agreement on NAFT to be delayed until after the election. Brazil's soybean prices rose early today because China has already opted for Brazilian supplies at the expense of US cargoes. Currently the premium paid for soybeans loading in May at Brazil's Parangua port has jumped 63% to USD$ 1.17/bushel over the past month. It is noted that Brazil cannot supply China's demand alone and that China will most likely have to continue purchasing soybeans from the US.
Rates & Commodities
US bonds are weaker as of midday, giving back gains from earlier this morning. The 10-Year Yield is moderately higher at 2.781% from today's open of 2.753% and the US 30 -Year Yield is above 3.0% at 3.017% from today's open of 3.011%. The slight sell-off in US bonds seems to stem from US equity markets shrugging off the trade war news after positive data on the economic front was released. US ADP employment change for March came in at 241K vs estimate of 210K. US PMI for March came in at 54.0 vs. estimate of 54.2, which is a slight miss, however, is still a sign of health in US manufacturing. The USD$ has moved lower from the open and is down to 90.06, down 13bps. The USD$ has reversed its losses against the JPY ¥ and is now up 19bps at 106.63. Following a weaker JPY ¥, only gold remains higher of the precious metals; up 19bps at USD$ 1335.28/ounce. Silver is down 78bps at USD$ 16.29. All other metals are lower except for Copper which is up 122bps at USD$ 6,796/contract. Lastly, WTI Crude oil is trading moderately lower following the trade war news at USD$ 63.11/barrel, down 63bps. Additionally, EIA data showed that US exports reached a record high of 2.18mm barrels/day.
Major cryptocurrencies are extending losses from earlier this morning. Bitcoin is trading at USD$ 6,891.00 down 7.05%, Ethereum is following at USD$ 376.28, down 7.18% and Ripple is at USD$ 0.5001. There are no longer any cryptocurrencies with positive returns on the day out of the top 25 by market capitalization. The decline in the crypto world seems to stem from fears of a Binance hack (one of the top cryptocurrency exchanges). Users currently cannot login to their account. ASRock is planning to sell four graphic cards (GPU), specifically geared towards cryptocurrency mining. Similarly, Bitmain has confirmed the release of its Antminer E3 chips, which is specifically designed for processing Ethereum transactions. US Federal Reserve Board Member, Lael Brainard, spoke today and briefly mentioned how the Fed is monitoring excess volatility in cryptocurrencies. She also said that cryptocurrencies do not pose a threat to the stability of the US economy. This morning, news was released that Alibaba is suing a Dubai-based cryptocurrency foundation called "Alibabacoin Foundation" for trademark infringements.


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In a poll that typically leans Republican, the Florida Chamber of Commerce's first survey of the governor's race has Tallahassee Mayor Andrew Gillum leading former Congressman Ron DeSantis 47%-43%. Gillum has led in every public poll released since primary election day with this being his largest lead. Even more surprisingly, Gillum leads in every major media market in Florida except Jacksonville, an area DeSantis represented in Congress. The poll should be of concern to Republicans hoping to keep a position the GOP has held for two decades.
"Politically speaking, this is an interesting poll because most voters have learned a little about Ron DeSantis, yet most voters don't know Andrew Gillum because he is a surprise winner and the most liberal of the Democrats on the ballot that ran in the primary election," said Marian Johnson, Senior Vice President of Political Strategy, Florida Chamber of Commerce. "It's going to be interesting to see if Gillum, who is backing policies opposed by Bill Nelson, yet supported by Bernie Sanders, Tom Steyer and George Soros will hold onto this lead while voters begin to understand his background and policies, or if Ron DeSantis and his policies will continue gaining popularity and propel him to succeed Governor Scott as Florida's next Governor. The election is more than 50 days away and that's a lifetime in Florida politics."
The poll was taken September 6-9, after both DeSantis and Gillum announced their running mates.
DeSantis had a serious misstep the day after he won the Republican nomination when he made a comment on Fox News that was called racist by Gillum and other Democrats. DeSantis denied that saying Gillum would "monkey around" with Florida's economy was racially motivated.
As the Florida Chamber poll suggests, Gillum starts with a blank slate for most Florida voters. That's about to change as the National Governors Association begin airing a TV commercial critical of Gillum's proposed policies including a $1 billion corporate tax increase. The RGA will spend $10 million in support of DeSantis, while its Democratic counterpart has pledged $2 million in support of Gillum.


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Full form/Meaning: American College of Surgeon Definition: The American College of Surgeons was founded in 1912 by Ernest Amory Codman. It is a worldwide scientific and educational association of qualified surgeons and has it headquarter in Chicago, Illinois. Usage in Sentence: "He earned his membership with the American College of Surgeon after several […]
Lysis of Adhesions
Varicose Vein Stripping
Varicose vein stripping is the surgical removal of a ligated varicose vein through incisions in the groin area or back of the knee.
Total Knee Replacement
A total knee replacement is the surgical replacement of a damaged knee joint with an artificial joint.
Total Hip Replacement
A total hip replacement is the surgical replacement of a damaged hip joint with an artificial one.
A tonsillectomy is the surgical removal of the tonsils.
A septoplasty surgical procedure used to correct the shape of the septum.
An acronym for TransUrethral Resection of the Prostate.
Transurethral Resection of the Prostate
A Transurethral Resection of the Prostate is the surgical removal of the prostate through the urethra. Acronym: TURP
Open Prostatectomy
An open prostatectomy is the removal of the prostate gland through an external incision.


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The Jacky Winter Group are a creative agency representing a diverse collection of artists. Their annual publication 'Field Guide' is designed by a new artist each year and showcases the many talents of their roster. As my Australian representatives, I was honored to create the illustrations for this years publication. Director Jeremy Wortsman's vision for this years guide was inspired by the 'Field Notes' pocketbook range and as a result, we created a series six of notebooks to feature the various branches of the agency.
To communicate the idea of unity amongst both the books and artists, we treated each book cover as a tile. When the covers are arranged like tiles, they form a large collage which incorporates the Jacky Winter identity. The pattern was also designed to be seamless, so multiple editions of the books can be tiled forever.
While the first five books contain work samples from various artists, the sixth book was designed as a functional notebook. We created playful and surreal patterns drawing inspiration from Marc Thomasset's 'Inspiration Pad'.
Photography by Mark Lobo


text: St. Cloud invested in Seven Wells, LLC ("i.e. Distribution") in the form of senior secured promissory notes. The capital will be used to finance the acquisition of the World Industries brand. i.e. Distribution manufactures and distributes under license World Industries branded footwear and snowboard products (equipment and footwear) throughout North America targeted to males, 7-14 years old.


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Big Finish, Cassandra Collins, Dark Shadows, Jerry Lacy, Lara Parker, third eye cinema podcast, Tony Peterson
"Well, dammit, why do ghosts always have to be so cryptic? Why can't they just come out and say what they want?"
And so we come to the last of the five (well, really four, as The Last Stop was more of a Lacy solo story) Tony Peterson/Cassandra Collins adventures still to be addressed.
The second to last of the run chronologically, falling directly prior to the series finale The Devil Cat, 2013's The Phantom Bride, oddly enough, also turns out to be the least of the highly entertaining batch.
Let's take a leaf from their casebook and investigate…
Tony (the irrepressible Jerry Lacy, also known for his wonderfully over the top Reverend Gregory Trask, as heard in The Wicked and the Dead, The Carrion Queen, and Fall of the House of Trask) is hired by one Philip J. Hardman to investigate The Raven Queen, a recently restored Roaring 20's cruise ship noted for catering to wealthy patrons seeking an offshore "dirty weekend", whose nostalgia-market revival is being haunted by a seemingly benevolent but unquiet spirit targeting rich newlyweds.
"What's with the insults to witches today?"
Despite a running gag where random cast members keep dropping disparaging comments about practicioners of the black arts and a setup wherein Lacy and Parker get to pretend they're married (including a brief spin on the dancefloor and a vaguely "walls of Jericho"-esque shared cabin scenario), the sophisticated romantic comedy of The Death Mask, The Voodoo Amulet and The Devil Cat seems a bit more strained and obvious, and significantly less playful and coy this time around.
"I can't think of anyone I'd rather have with me, Cassandra…I don't give up that easily."
Perhaps it's arguable that this core shift is attributable to the simple fact that this is the story where things begin to turn a bit more serious, in terms of the characters' steadily growing relationship. But the impression left by the installment is more uncomfortable than that assertion would imply, with author Mark Thomas Passmore reaching far more deeply into the realms of melodrama and, yes, soap opera than the lighter, snazzier fare on display in the other three tales comprising "canon" in the Peterson/Collins affair.
It's welcome in a sense (after all, it would be a bit of a stretch to go directly from the level of connectedness displayed in The Voodoo Amulet to the out and out love affair of The Devil Cat), but something's definitely and noticeably off. It's certainly narratively and dramatically correct, but that doesn't make it particularly fun…
While the difference in tone is a subtle one, it's a noticeable one nonetheless, and makes The Phantom Bride a bit of a disappointing note to close out on (regular listeners would of course end on The Devil Cat, simultaneously one of the best of the all too brief run and more unfortunately boasting its sole truly unhappy ending). And what was with that rather tongue in cheek slurping kiss?
"What turns a previously harmless ghost into a killer?"
Without getting too deep into things and spoiling it for those who haven't yet indulged, suffice to say that there's some confusion as to whether they're dealing with a simple haunting, with a lovelorn spirit bound to the ship by regret and unfulfilled happenstance, or something far more sinister and infernal (here oddly conflated with a sort of Asian take on the "hungry ghost" and an ersatz view of Wicca rather than proper attribution as to source).
"You fool! Can't you see the witch is using you, letting you darken your soul by the use of witchcraft, while she seeks the power of the crystal for herself?"
Most eye openingly, Cassandra actually has Tony performing ceremonial magick – not in the sense of sitting in as she does her thing, but as a direct and active participant(!) (Un)holy crap…
"I'm sure you're an excellent lawyer. But you're a very bad warlock…you forgot to perform the last incantation! You fool!"
"uh oh…"
Boasting the largest cast of any of the Tony Peterson / Cassandra Collins stories, the cast even boasts a fellow named Simon Kent. But before you start scratching your head as I did, this isn't the late Simon Gipps-Kent (of Tomorrow People, Tom Baker-era Who Horns of Nimon, Noah's Castle and Midnight is a Place fame), but serial murder groupie "Alfie Chapman" from Beyond the Grave.
In fact, there are an inordinately statistically skewed number of cast member ties between The Phantom Bride and Beyond the Grave. Let's tick them off, and I can snicker as your collective mouths begin to slowly but inevitably drop towards the floor…
Probably most notably, Asta Parry joins us once again as the erstwhile Kate Ripperton (presumably before that character's fall from grace and blackballing from the industry which the latter story resulted in). Just as obviously, her partner, the ill fated Tom Lacey, appears in the same role herein.
That same tale's Mad Jack himself, Jack Chapman also stars (albeit in a rather different role here). Similarly, Christopher Ragland, the sinister Jonah Rooney of The Flip Side, who also essayed the "real world" version of that same character in Beyond the Grave, appears here (but once again, in a different role).
Brigit Lohrey, the sensual if frightening Danielle Roget of House by the Sea and one of the night train to Boston passengers heard briefly in The Last Stop, was also heard in Beyond the Grave as Simon Kent's overexcited murder junkie ladyfriend Emma Finney.
And if all that weren't enough, Craig Daniel Adams and the presumably related Evelyn Adams provide two further direct links between the two otherwise wholly unrelated stories…go figure.
In fact, probably the only cast member outside of the two leads not to appear in Beyond the Grave is a Big Finish Dark Shadows regular, Barra Collins (of The Harvest of Souls, Carriage of the Damned, Curtain Call, The Happier Dead and The Devil Cat)!
"She will betray you. Just like she has so many others…do you really believe she's playing detective without an ulterior motive? You're no more than a pet to her…"
Even so, The Phantom Bride is something of a mixed bag in the end: a necessary rung on the ladder of character development and story progression in the at the time still ongoing partnership of Tony and Cassandra, yes. But a darker, less smile inducing and comfortably romantic one nonetheless.
While all involved deliver the expected creditable job, particularly the always delightful Jerry Lacy and Lara Parker, who seldom fall short of spot-on in their delivery and portrayal of what have become two fairly well rounded characters here in their Big Finish incarnations, in the end, The Phantom Bride is best thought of as sort of an ersatz stopover along the way, necessary but easily forgotten in light of several far superior installments that surround it.
And I'm still waiting for that one where they fight a banshee in a high rise…


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So, Sunday I am planning on doing the indoor tri at my school (despite the fact that I haven't swam since, um, October or so) but I am starting to get a little nervous about it.
I'm not nervous about doing it, I know I can, but I am nervous about the fact that it is Wednesday and I have not heard from the event organizers (and I use that word very lightly) about some rather important things, like when does it start, where do we check in, how they plan to do the transitions, etc.
I think it could be a total mess.


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Iceland's 1100 Years: The History of a Marginal Society
C. Hurst, 2000 - Iceland - 418 pages
Iceland is unique among European societies in being founded as late as the Viking age, and in surviving for centuries without any central power after Christianity had introduced writing. This book recounts the history of a society on the margin.
What people are saying - Write a review
LibraryThing ReviewUser Review - timjones - LibraryThing
This is a fairly dry and academic - but nevertheless interesting - history of Iceland from the settlement era through to 2000. Having read about the sagas of the Settlement Era, I wanted something ... Read full review


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Treasury Check Information System.gov
The Treasury Check Information System (TCIS) is an application system designed to support the Bureau of the Fiscal Service (Fiscal Service) originally focused on U.S. Treasury check aftermath activities.
An electronic office for post-payment activities, TCIS records and reconciles the worldwide issuance and payment of U.S. Treasury checks. This system also allows to query PACER On-Line (POL) for Automated Clearing House (ACH) payments and exception activity (i.e. returns).
TCIS provides Fiscal Service and more than 30,000 federal agency users with an online application for check aftermath activities and management of both check and ACH payment data.
TCIS also manages payment data for over two billion check payments and three million claims over a seven-year period.
With TCIS, Users Can:
See information about payments or claims relating to US Treasury checks and ACH payments
Ask for payment information using check/payee ID number within a range of dates, or ACH trace number
Make a stop-payment request
See a scanned image of a cashed check collections. View various reports related to exception activity (i.e reclamation)
Non-Treasury Disbursing Office TCIS (NTDO) users- or users from an agency with authority to disburse funds- can also see their check ranges used for U.S. Treasury check payments, see everything that TCIS has received and accepted according to the user's security profile, or track the status of files submitted for processing.
TCIS: To become a TCIS user visit our Getting Started page.
If you have questions about enrolling, contact:
855-838-0743 (toll-free), or
For help when using TCIS, call the Payment Management Call Center
855-868-0151 (toll-free) option 1
Need Help?
Last modified 10/11/19


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%0 Journal Article %J Advances in Space Research %D 2015 %T Towards estimation of atmospheric tidal effects on the ionosphere via data assimilation %A Solomentsev, Dmitry %A Cherniak, Yakov %A Titov, Anton %A Khattatov, Boris %A Khattatov, Vyacheslav %K Atmosphere tides %K data assimilation %K Ionosphere longitudinal structure %X
The impact of atmospheric tides on the night time ionosphere is now being a subject of the extensive research within the scientific community. The plausible effect has been observed using the multiple space-borne instruments (e.g. COSMIC/FORMOSAT-3 constellation, TIMED GUVI and NASA IMAGE). Along with the observations, several modelling attempts has been undertaken to prove or refute the interrelation between the atmospheric tides and the wave-four longitudinal night time ionosphere structure. The scope of the current article is to assess the data assimilation ionosphere model capabilities in representing the longitudinal effect in the night time ionosphere induced by the DE3 atmospheric tide. Along with this, the core physics-based model capabilities in estimating the same effect are presented and discussed. For the current research, two periods were taken into consideration: the autumn equinox of the years 2006 and 2012. In the current article the data assimilation and physics-based models calculation results are presented and discussed along with the models' error estimation and analysis.%B Advances in Space Research %V 56 %P 1854 - 1862 %8 11/2015 %G eng %U http://linkinghub.elsevier.com/retrieve/pii/S0273117715004949http://api.elsevier.com/content/article/PII:S0273117715004949?httpAccept=text/xmlhttp://api.elsevier.com/content/article/PII:S0273117715004949?httpAccept=text/plain %N 9 %! Advances in Space Research %R 10.1016/j.asr.2015.07.014


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Shapik: the quest
This is an epic story of Shapik, traveling through magic forest in search of his missing sister. Explore a beautiful world, full of mystery, magic and danger and find your missing sister, solving puzzles on your way.
As Always, Good Luck and Have Fun.


text: Pros and Cons of Reverse Mortgages Posted October 6, 2016 by myhouse About Reverse Mortgages: Reverse mortgages were created for the elderly people to sustain themselves even after the time of retirement if they have property or collateral. These reverse mortgages are loans that are provided to people by taking into consideration the appraisal of the home in the future, the interest rates as well as the tenure of the loan. In this section we will take a look at the advantages and the disadvantages of this form of loans. Los Angeles reverse mortgage is one such bank that provides some of the best reverse mortgages. Advantages of Reverse Mortgages: 1. Keep the home You get to retain the ownership of the home as well as apply for these loans. This is the best part of reverse mortgages especially for the elderly people. They do not have to shift in this old age which is a huge advantage for them. 2. No EMI's Unlike other loans, you do not need to repay the installments of the loan. These installments will be reduced from the loan amount along with the interest rates. This is another advantage of reverse mortgages which will help you in many ways. 3. Low Risk Having a reverse mortgage puts your property at minimum risk. These risks are low since you do not have to pay any installments for your home. Thus you can say that this is one of the safest options for your home. 4. No credit score Your credit score will not be checked if you apply for reverse mortgages. Disadvantages of Reverse Mortgages: 1. Increased Fees One of the most important drawbacks of this form of loans is that there is a huge amount of fees that will be incurred when you apply for this loan. The upfront fees, origination fees etc. will reduce your principal amount by a huge chunk. You need to choose a bank wisely if you want to maximize your profits more and reduce your fees. Also make sure that the banks have a lower rate of interest. Los Angeles reverse mortgage is one such bank that will help you get the lowest fees possible. 2. Cannot tap the complete potential Due to the above mentioned fees, it becomes difficult for you to tap into the complete potential of the value of the home. That is why you need to make it propriety to find the right banks to handle your account. 3. A new Trend Reverse Mortgages is a new concept for people to wrap their heads over. Most of the financial gurus have taken their time to understand this concept and it will take some more time for the general population to understand it.


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George Reynolds
Senior Director Strategic Accounts, Omni-ID
George Reynolds is a well-known RFID subject-matter expert and a highly regarded leader with numerous successes in the RFID industry. Previously, he was Avery Dennison RFID's VP of global sales and marketing, and he created Tyco's RFID division. Mr. Reynolds holds four U.S. patents in antenna design and microelectronics assembly, and has a Bachelor of Science degree from Clemson University.


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It's not the size – it's the power that matters
Don't be fooled by the small size of the electric motor. Our Husqvarna-developed, brushless motors deliver full torque at low revs, and 25% higher efficiency than a standard brush motor. Whether you're using a weed trimmer do cut high, thick and wet grass, or using a chainsaw to do limbing or wood cutting, our battery powered equipment gives you higher and more consistent torque. The Husqvarna Battery Series offers a unique combination of performance and durability, and the best part is they are completely maintenance and emissions free.
Low noise + low weight + less vibration = more comfort
Ergonomic design features make the Husqvarna Battery Series a great choice for long hours of demanding work. Battery power dramatically reduces vibrations, which in turn reduces the strain on your shoulders, arms and wrists. Our handles are placed close to the center of gravity creating a perfectly balanced machine that's more comfortable to use for hours on end. When working with our battery-driven machines you'll not only appreciate the lack of vibration, you'll also experience the relief of working with almost silent motors. No noise. No fumes. No problems.
One battery fits all*
The Husqvarna Battery Series is powered by a 36-volt lithium-ion, high-performance battery that is not only extremely durable, but is also interchangeable between all machines. This allows you to quickly switch the same battery between your trimmer, blower, chainsaw and hedge trimmer without missing a beat – or stopping to re-fuel. The short charging time is another big advantage. A completely discharged battery takes as little as 35 minutes to charge 80%. Downtime is further reduced by our comfortable backpack batteries that provide up to 10 hours of runtime between charges. Our battery-driven solutions are taking productivity and performance to a whole new level.
*Battery chainsaws always require BLi150
Working nine to five
Working with battery-driven outdoor products does not mean you'll have to compromise on runtime. A single charge of the powerful 36V Li-ion battery allows you to work approximately as long as you would on one tank of gas*. Since the charging time is shorter than the usual working time, having an extra battery will enable you to work non-stop.
Husqvarna also offers a backpack battery that provides a capacity up to ten times greater than the integrated battery, allowing you to work with fewer breaks for battery changes. The backpack works with all Husqvarna handheld products and the ergonomic harness is adjustable to fit users of any size.
*Fuel usage varies depending on application. Estimated work time of one battery is similar to one tank of petrol.
Like money in the bank
The initial cost investment of a battery-driven machine from Husqvarna may be higher than the petrol-fuelled equivalent. But the savings from the petrol you'll never have to buy will soon outweigh that first cost. Furthermore, the lifetime is as long as that of petrol-driven machines, but there are fewer parts to be served and the electronically-controlled drive system means less downtime and low operational costs. In the long run, a battery-driven machine can be a real moneysaver.


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An appeals court on Friday threw out the most serious felony conviction and reduced the severity of two other counts against former Dayton restaurant owner Eva Christian, who has already served two years of a nine-year prison sentence after her conviction on five insurance-fraud-related felonies.
The Montgomery County Prosecutor's Office called the decision to overturn the most serious felony conviction "very disappointing" and said it would appeal to the Ohio Supreme Court.
The Ohio 2nd District Court of Appeals ruled 2-1 that there was "insufficient evidence from which the jury could have concluded that the defendant engaged in a pattern of corrupt activity," which was the basis of the most serious first-degree felony charge Christian faced. "Accordingly, that conviction will be reversed." One other felony count was reduced to a misdemeanor by the court's ruling, while another count was reduced to a less-serious felony.
Christian, who owned and operated Boulevard Haus (formerly Cafe Boulevard) in Dayton's Oregon District for 15 years, remains convicted of three felonies and one misdemeanor related to insurance fraud and filing false alarms. She may still face the possibility of forced deportation upon her release from prison.
Christian was born in Croatia and raised in Germany, and has German citizenship, although she was considered a "permanent resident" of the U.S. after marrying a U.S. citizen.
The appeals court returned the case to Montgomery County Common Pleas Judge Barbara P. Gorman for re-sentencing under the reduced charges. Brock Schoenlein, Christian's attorney for the appeal, estimated that Christian's new sentencing ceiling will be effectively cut in half to about four and a half years.
The case revolved around break-ins and a fire during 2009 that Christian reported and which prosecutors said were staged in order to collect insurance money: one break-in at her Washington Twp. home and a reported vandalism and fire at her now-defunct Cena Brazilian Steakhouse in Miami Twp. near the Dayton Mall.
Testimony by prosecution witnesses during the trial suggested that Christian conspired with two accomplices in the break-in and in the restaurant vandalism. But whether that conspiracy made Christian guilty of a first-degree felony criminal charge of "engaging in a pattern of corrupt activity" — often used to prosecute organized-crime cases — was the issue that appeals judges focused most heavily on during the appeal's oral arguments on March 4.
Schoenlein said Friday that Ohio's corrupt-activity statute "is used for combating organized crime" and Christian's actions did not warrent such a serious charge.
Montgomery County Prosecutor Mat Heck Jr. said in a news release that, "The police discovered, and we argued at trial, and both the jury and trial court found, that the defendant's actions and her association with others were part of a criminal enterprise."
While promising an appeal on that portion of the decision, Heck also said he was "pleased to see the defendant's convictions on most of the charges have been affirmed, and she will remain in the penitentiary … ."
In arguing for the reduction of two of the charges, Schoenlein cited an Ohio Supreme Court decision in arguing that Judge Gorman imposed a sentence that was too harsh. The judge failed to take into consideration changes in Ohio sentencing laws that occurred after the crimes were committed but before Christian was convicted and sentenced, Schoenlein said. On this point, the three appeals judges unanimously agreed.
During her sentencing hearing in 2012, Christian — who testified at her trial and denied wrongdoing — remained defiant about the jury's decision to convict her, saying she "cannot confess to a crime I have not committed." Judge Gorman denied Christian's request to avoid prison, calling Christian "a dangerous person" and telling the former restaurant owner, "I don't think you have a conscience."
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Grew up in the last town in NY before you hit CT on the AT. I drove by the trail every day going to school and now I am attempting my first long distance thru hike. I geek out on gear and worry about food. Got a personal insta: notdarrenpalmer and a hiking focused insta: bigbunnyblog.
It's 1:15 a.m., and it's my last night in my apartment before I ship out to roll south. I currently reside in New York but in these coming months I


text: Secular Humanist Judaism Secular Jews define Judaism as the history, culture, books, music, art, food, rituals and practices of the Jewish people. Secular Judaism, whether practiced through the reading of Jewish books, membership in a branch of Workmen's Circle or attendance at a Secular Humanistic congregation, is an appealing option for many interfaith families, both for those families that do not believe in God and those looking for a religious space that does not discuss theology. The following is a list of helpful resources and links for interfaith families exploring secular Judaism. Recommended Articles on Secular Judaism The I Do's and Don'ts of Intercultural Marriage by Rebecca R. Kahlenberg Cultural Judaism Opens the Door for Alienated Jews by Myrna Baron Why We Call them Intercultural Weddings: a Secular Humanistic Jewish Approach by Miriam Jerris Tribal vs. Covenantal Identity by Sidney Schwarz It's All About the Food by Sue Feder Secular Judaism Articles Archive Secular Judaism Helpful Documents for Interfaith Families Exploring Secular Judaism Liturgical Interpretation by Secular Humanistic Judaism – examples and explanations Readings and Rituals for Jewish Life Cycle Events and Holidays – from the Center for Cultural Judaism Descriptions of How Secular Humanism Sees Jewish Holidays – from the Society for Humanistic Judaism History and Readings for Jewish Holidays – from the Congress of Secular Humanistic Organizations Discussion Board Spirituality Find a Secular Jewish Organization or Congregation in Your Area All secular Jewish organizations are very welcoming to interfaith and intercultural couples and families. International Federation of Secular Humanistic Jews – Searchable index of secular Jewish organizations throughout the world. Similar to this list on the Center for Cultural Judaism's website. Society for Humanistic Judaism – List of Humanistic Jewish congregations in the U.S. and Canada organized by region Congress of Secular Jewish Organizations – List of secular Jewish organizations and schools in the U.S., Canada and England Workmen's Circle – List of Workmen's Circle branches in the U.S. Secular organizations – find secular organizations and Humanistic Jewish congregations in the U.S. with calendar of events for interfaith families Additional Resources on Secular Judaism Websites There are several major secular Jewish organizations: Center for Cultural Judaism – New York City-based center that offers educational and outreach programs to secular Jews Congress of Secular Jewish Organizations – Group of independent organizations that promote a secular expression of their members' Jewish heritage International Federation of Secular Humanistic Jews – Umbrella organization of secular Jewish organizations around the world Society for Humanistic Judaism – Central body for the Humanistic Jewish Movement in North America Workmen's Circle – Jewish fraternal organization that emphasizes social justice and Yiddish culture


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SENSITIVE information of nearly 800,000 residents of Thailand has been made accessible online in yet another blunder by authorities, causing public outrage and raising concerns over privacy protection in the kingdom.
According to Khaosod English, details of the residents, including full names, photos, home addresses and mobile phone numbers have been made available on a police website.
The information was stored in a police database covering the upper central region of the country and contained details of those who have had their personal details recorded by police.
According to the news site, the details of at least 798,280 Thai nationals were published by Wednesday afternoon with latest entries being added the same morning.
SEE ALSO: Thailand: Sensitive info about tourists revealed in 2nd online data leak
Sixth Regional Police department commander Lt. Gen. Thawitchart Palasak was quoted as saying the website was protected by a password, but a reporter who logged on to the online database said it was not required in order to be accessed.
The officer later said the information in the database was "not confidential".
"It's general information. There's nothing secretive about it," he said.
"It's just phone numbers and addresses."
It was later found a password was required to enter the database, half an hour after the media reached out to police on the matter.
Thawitchart said the programme, called "Stop talk, and walk", involved a community outreach effort where stations were ordered to meet with residents to gain feedback.
The officer said members of the public had responded positively to the programme since it was launched several years ago.
SEE ALSO: Apparent data leak leaves foreigners in southern Thailand anxious
Apart from personal details, the database also contained a summary of the conversations held between the police officer and the resident, Khaosod reported.
In March last year, a data leak involving foreigners in Thailand was uncovered barely a week after sensitive personal information of foreigners living in the country's southern provinces was revealed to have been hidden in plain sight.
Details of the foreign travelers, including their most recent vaccine shots, real names, nationalities, passport and flight numbers, as well as addresses in Thailand, were made available, leaving the foreigners anxious over their safety and privacy.


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Tokyo is one of Japan's most influential and cultural cities. It's not only the capital of Japan; it's a melting pot of diversity and history. Tokyo travellers will be mesmerized by the city's abundance of things to do, but if you're looking for authentic Japanese traditions and quiet neighborhoods, a flight to Tokyo is not for you. Tokyo is a crowded, busy, and futuristic-city that is full of ideas and inventions. Of course, there are some traditions that Tokyo still embraces – traditional tea ceremonies, flower arranging and public baths still take place and Tokyo boasts a wealth of museums and Japanese art.
For the first-time traveller, however, Tokyo is a shopper's haven. Pack an extra bag with you on your flight to Tokyo – from high-tech toys to designer clothes, it's impossible not to bring back a little gift from Tokyo. While you're here, take in the nightlife that Tokyo is famous for – trendy clubs and fine-budget dining are the way to go. Thanks to the millions of students that reside in Tokyo, the city is affordable and fashionable and has something for everyone. The best part about Tokyo? It's people. Take time on your flight to Tokyo to talk to your neighbor – the city may be cramped and hectic, but the people are friendly and can show tourist the true beauty that lies within Tokyo.
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Winter is cold in Tokyo and the temperature occasionally drops below freezing. Spring has pleasant warm days. Summer is hot and muggy. It gets cool again in the fall, with temperatures ranging from 15-22 degrees Celsius. August is the warmest month with high humidity and temperatures in the mid-20s, and January is the coldest with temperatures just below zero. The monsoon season lasts about a month starting around mid-June. Typhoons are widespread in Japan in September.
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Spring and fall are the most temperate seasons and the best time to book flights to Tokyo. Despite the heat and humidity of the summer, Tokyo flights and hotel rates rise in the summer. Many local festivals are celebrated in Tokyo in July, and the school summer vacation runs from the end of July through August. Peak travel times for Tokyo flights and rooms in Tokyo tend to fall around Japanese holidays when reservations need to be booked far in advance.
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Tokyo is known internationally for having great public transportation. It's clean, safe and efficient. Tourists usually stick to the subway or Japan Railways (JR). The subway has 13 different lines that run from 5 am to midnight. Avoid rush hour if possible as it can get extremely crowded. You can buy a Tokyo Combination Ticket which offers unlimited rides on the Tokyo trains, subway and bus lines for one day.
Taxis are safe, clean and comfortable, but among the highest-priced in the world. Drivers rarely speak English, so it's a good idea to have your destinations written in Japanese before boarding.


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Excellent condition.
1960s Turquoise Angora Turban
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Fluffy angora hat with silk faille ribbon structure inside. There's a rhinestone flower brooch stitched to the front that is the perfect, glittery punctuation - I'm not certain if it's original to the hat but it's nicely fastened on and looks perfect with this vintage hat. Made by Sonni, California.
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August 20, 2011 at 4:56 pm Anna Leave a comment
One of my favorite online boutiques is Ruche, "A modern boutique with a vintage touch" is how they describe themselves. They are worth checking out for their lookbooks alone. The photography is just amazing. I need more clothes like I need another month of rain, drizzle and fog, but I just couldn't resist this:
Mustard yellow pants!! In corduroy!! I got the cardigan too, and a blue top. Squeeee!
Entry filed under: Anna's ramblings.
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