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The Organization of Economic Cooperation and Development (OECD) routinely conducts extensive surveys into global financing activity for SMEs and entrepreneurs. While bank lending is the #1 most common source of external financing, the recent global financial crisis has put a damper on bank lending as the go-to solution for entrepreneurs. SMEs require lines of credit for several reasons, including investment purposes, start-up costs, and cash flow.
The global economy has witnessed a tapering of traditional bank lending in the 10 years since the financial crisis erupted. There are growing concerns however that credit tightening is going to prove detrimental to SMEs, and banks are spearheading this initiative. For this reason, the OECD posits that more non-bank financial institutions need to provide financing to SMEs.
The value of small and medium enterprises in the broader economy cannot be overstated. This is especially true in emerging market economies which are heavily reliant on these businesses for GDP growth and development. Small businesses are at the core of capitalism, economic growth and development. They are net contributors to the economic well-being of their country, and the broader global economy.
Various forms of financing have emerged over the years, notably asset-based financing where banks and non-bank lenders will offer secured loans to their clientele. This may be in the form of physical assets (land, machinery, vehicles, equipment, inventory) or accounts receivable. Asset-based financing is traditionally used in emerging market economies and developed economies. It is the safest way for banks to make loans to businesses without taking on too much uncertainty.
How much does small business contribute to the global economy?
The World Bank estimates that SMEs (Small and Medium Enterprises) dominate the scene in terms of their contribution to economic growth. In emerging market economies, the World Bank estimates that 40% of GDP (gross domestic product) is provided by way of small businesses. Further, SMEs generate 60% of all employment activity in emerging market countries. Such is the burgeoning demand for the global workforce in these countries that some 600 million jobs will be required by 2032.
Most jobs in sub-Saharan Africa and across Asia are provided by SMEs. There is currently a credit gap (a deficit) among formal Small and Medium Enterprises valued at $1.2 trillion. When we take informal SMEs into account, this figure more than doubles to $2.6 trillion. There is no doubt that SMEs are the drivers of economic growth in emerging market economies, and developed economies alike.
European Stats for SMEs – Economic Growth and Employment Data
In Europe, some notable statistical findings were made about SMEs and their contribution to economic growth and prosperity. In fact, a full 99% of all business activity in Europe takes place via SMEs. SMEs are different to large enterprises for many reasons. For starters, SMEs are generally considered to be the main drivers of economic growth. SMEs are less affected by international trade than they are by regional and national conditions.
Perhaps the most important reason why SMEs are so valuable is the employment prospects they bring to the table. While many economists focus on measures like GVA, the importance of employment prospects cannot be understated. Across Europe, SMEs make up some 67% of total employment. The countries with the highest percentages are Greece at 86%, the UK at 53% and 57% across the European Union.
Australian SMEs Seek Easier Lines of Credit
Given that SMEs are such a critical component of global economic growth, employment and GDP, it makes sense that companies are now investing in SMEs. Banks may be tightening the screws on credit approvals, but there are many non-bank entities and other financial institutions eager to secure lines of credit for small businesses.
There is significant growth in this regard with the small business lending market in Australia. There are many benefits to alternative small business loans versus traditional bank loans. One of the most pressing concerns for SMEs down under is the bureaucratic red tape that banks impose upon borrowers. Banks are becoming increasingly strict when it comes to approving SME loans, and they often want mounds of data to justify their decision to loan money.
Banks also do not provide clear repayment terms and conditions, and they oftentimes want to secure their loans with assets. Many non-bank lenders have stepped in to make it easier for SMEs to receive unsecured loans, short-term loans and expedited loans. There is tremendous value when using these credit facilities, since they can mean the difference between an SME prospering or going belly up.


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Bus hire Johannesburg luxury touring and sightseeing, should be effortless and simple. Nobody wakes up and says "before I die, I really must visit and tour Johannesburg."
Despite being the biggest city in South Africa and the economic heart of the continent, it's pretty much just used as a transit point for connecting flights to the rest of the world and also to the rest of South Africa.
But because so many people 'pass through', they've put a lot more effort into building it up as a tourist destination.
The Apartheid Museum and Hector Pieterson Museum are just two such additions while the Johannesburg Township Tours have really taken off, as visitors to the country long to visit Soweto and Alexandria, with all their history.
The Carlton Centre, in the south-east of the CBD, has an observation deck on its 50th floor which offers tourists a view of the city. At 731ft (223 metres), it's the highest office building in Africa and affords fantastic views of the city and surrounding areas.
Gold Reef City theme park is another great attraction – for young and old. The park has a mining theme, playing on Joburg's status as a rich mining area and offers a depiction of mining life at the turn of the nineteenth century. It includes an underground mine tour; a large amusement park and a popular Tribal Dancing show.
Just 30-odd miles (55km) north of the city lies the nation's capital, Pretoria, also known as the Jacaranda City, after the trees that grow in abundance. Visitors can also marvel at the Union Buildings – the official seat of the nation's government – which like the nearby Voortrekker Monument, are rich in history.
The Kruger National Park is about 265 miles (425km) from Johannesburg and Pretoria and if you've already come all this way, you're not going to miss out on the greatest game viewing experience of your life. Besides, the transit time goes must faster in a luxury touring coach dispatched from the Johannesburg depot, which will get you there in comfort, and most importantly safely.
We've learned that when people inquire about a bus hire Johannesburg service, they oftentimes miss out on the many heritage and historical sites that the City and surrounds has to offer. A Johannesburg Tour should be done in an unhurried fashion.
When utilizing our bus hire Johannesburg service, you essentially get access to a range of other value added services in addition to the luxury coach.
The park offers a range of tastes to suit every budget, and is home to the Big Five – lion, cheetah, rhino, elephant and buffalo – and is bigger than several countries. Of course there are plenty of other animals too, and a trip here will have you talking of nothing else for weeks, months and even years to come.
To receive a quotation, simply send an email with your proposed itinerary for your Kruger National Park Tour to firstname.lastname@example.com

subset: commoncrawl


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I received this book for free from Purchased in exchange for an honest review.
This does not affect my opinion of the book or the content of my review.
by Jennifer Ashley
Released: August 2, 2011
Series: Highland Pleasures #3
Published by Berkley Sensation
Pages: 320
As you can tell I completely loved Cam, I always liked him in the previous books and this one he managed to exceed my expectations. He was a little rough, he liked horses, drink and women, exactly in that order, but you know he is a good man by the way he treats his brothers and how he's tried bumbling through being a parent to his son Daniel. What was fantastic was watching him soften a little as Ainsley becomes important in his life, he doesn't become all gooey but he definitely melts a little.
Ainsley, I liked her, like all the heroines in this series so far she isn't some blushing debutante but a grown woman who knows her own mind and knows what she wants. That is another thing I like about this series the heroines seem more like real women with pasts and inseurities of their own that make them stand out a little more in this genre.
Now to the SEX factor, they were hot together, the chemitry between them was fantastic you could feel the heat and the longing as you read it and it may be wise to carry around a fan with you whilst reading it because it is knicker changingly good.
So, Lord Cameron Mackenzie is my flavour of the month, I recommend you all get your teeth in to him!
My Favourite Quote:
"I don't want to be friends with you, Ainsley Douglas. I want to be your lover. I want to bury myself inside you. I want to find out whether you taste as good all the way down, I want to feel you squeezing me, and I want to hear your cries as you take me inside you."
My Next Flavour of the Month Hart Mackenzie
"Hart wants to win by proving he's right-about everything- not with tittle-tattle and bedroom gossip. Hart wants to be God Almighty. No, he already thinks he's God Almighty. Now he wants to prove it to everyone else."
Annnnnd I will stop myself there, before I start waxing lyrical about my love of historical romance and fantasy as well; no one needs to know about my elf fantasies. As you can tell, I adore and day dream about most romance genres, and my three big loves are 1) reading about romance 2) writing about romance and 3) talking about romance with my gals. Which, is why I love Under the Covers so much, I get all my bookish needs satisfied and don't get judged when I talk about my favourite characters like they are real people. Which they are right?
Latest posts by Suzanne (see all)
- Review: Penny's Protector by Ruby Dixon - January 18, 2020
- ARC Review: Love Lettering by Kate Clayborn - January 16, 2020
- Review: Contaminated/Contagion by Amanda Milo - January 15, 2020


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Tomorrow, the battle begins.
The posturing, skirmishing, and cat calling will change over to open battle by the time my head hits the pillow tomorrow night. President Obama will be announcing his wish list, furnished by Vice-President Biden, for gun control tomorrow. Make no mistake about it, this is going to be his gotta-have-it-for-the-sake-of-the-children list of wants. We must stop him and his ilk cold, for our sake and for the sake of all the Americans who will come after us.
If you haven't called, written, and/or visited your senators and representatives and told them that no compromise with the anti-gun crowd is acceptable, now is the time. If you already have, now is the time to do it again.
If you're not a member of a gun rights group such as the National Rifle Association, Second Amendment Foundation, or Citizens Committee for the Right to Keep and Bear Arms, now is the time.
If you're not talking to your friends, even the ones you think are dependably pro-gun, and encouraging them to get involved, now is the time.
Be prepared. Being open about your gun ownership and being a good advocate for your rights is going to open you up to ridicule from those in your life who don't believe in your ability to exercise those rights in a responsible manner. You will be lumped in with the scum that use guns to murder. You will be insulted about your self-esteem and be accused of using guns to satisfy a complex or hide a shame.
Now is not the time to feed that beast.
Now is not the time to make it easy to pigeon-hole or stereotype you.
Now is not the time to feed the anti-rights crowd examples that they can point to in order to scare those outside of our 'gun culture'.
Now is not the time to make threats, veiled or not, against anyone.
Now is not the time to talk of revolution, or hurting law enforcement, or political violence.
Now is not that time.
Our battle is coming. There is no other group of people I would rather go into it with than the responsible, passionate gun owners whom I know and whom I have met through this space. I look forward to this fight, and I hope that you do as well. We are strong, we are not isolated, and we will be victorious.
Now is the time. Now is our time. Let's make it count.


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Do you sometimes miss out on billing a part?
I hear constant stories about Workshops who fit a part to the car, give the keys to the client, then later realise that they missed a part off the invoice.
It's hard enough to get clients and to make a decent profit in a Workshop these days. The last thing you want to be doing is giving stuff away for free! You're so busy doing the work that you forget to add what you rightfully should have onto an invoice. The customer drives away unknowingly receiving a free product.
Workshop Software can help.
The latest update has a great new feature that allows you to attach products on a supplier invoice to a customers invoice which ensures that you put the item onto the invoice as you receive the goods. You can even attach the item to your customer invoice when you do a stock order. This helps alleviate, and possibly eliminates, the whole problem of fitting parts and not billing them to your customer.
Invest 4 minutes to see how this cool feature could save you heaps in lost revenue.


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Wednesday, August 28, 2013
It has been WAY too long! If you are not on Facebook then you probably think I've stopped working but, just the opposite is true....we have been SUPER busy and blessed beyond understanding! Here are a few items that have been in the works lately......
Thursday, January 17, 2013
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PRO+ Premium Content/Storage
Access your Pro+ Content below.
Survey says: Users opt for appliance-based virtualization
This article is part of the Storage issue of Vol. 4 No. 12 February 2006
If you're going to deploy block virtualization, the chances are pretty good that you'll go with an appliance rather than software on the array, switch or host. At least that's what storage managers who responded to TheInfoPro's Wave 6 Storage Study indicated. Host-based virtualization in particular seems to have fallen out of favor, with only 14% of respondents saying they plan to use it. And if you're curious about why storage professionals are considering virtualization, the reason cited by 61% of respondents is data migration, pure and simple. Other much-touted benefits of virtualization--better utilization, cost savings and easier provisioning--were cited by a minority of respondents. Source: www.theinfopro.net
Access this PRO+ Content for Free!
Features in this issue
E-mail archiving moves downmarket
10Gb Ethernet means more host support
Speed wars: Fibre Channel vs. Ethernet
Just as 4Gb/sec Fibre Channel is poised to make its move into the data center, Ethernet is roaring back with its 10Gb/sec technology. But the lure of pure speed might not be enough for Ethernet to overtake Fibre Channel--at least for now.
Survey says: Users opt for appliance-based virtualization
Shopping for storage: One vendor or more?
Buying storage today is more difficult than ever. You need to get the best acquisition price, the lowest long-term TCO and avoid vendor lock-in. On top of it all, you must decide which is best: one vendor or more?
Not just a big switch
Fibre Channel directors don't just provide lots of ports, they also offer ways to connect disparate SANs, isolate data and devices within a fabric, and configure throughput for specific applications. We look at how the big three directors match up.
EMC launches SMB line
New benchmark measures array throughput
Best storage products of 2005
Our fourth annual Products of the Year awards spotlight the 15 new or enhanced storage products that stood out from the rest in 2005. The editors of Storage and SearchStorage.com, along with a panel of users and industry experts, selected these winning products based on their innovation and performance, among other criteria.
Columns in this issue
Marriott's lost tapes are just the latest in a string of high-profile storage snafus
Storage bin: Marriott's lost tapes are just the latest in a string of high-profile storage snafus. But with plenty of viable security solutions available, there's simply no excuse for these very public blunders.
A toaster oven in the data center
The midrange array market may still be hot, but storage managers are wary of getting burned. While midrange vendors keep piling on the features, storage pros are becoming disenchanted with midrange systems despite their more modest price tags.
Startups and standards
Startups and standards
How safe is your archived data?
With government regulations like HIPAA and SEC 17a-4, archiving has become a global requirement. But how safe is all that archived data?


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About Us
Company Overview
Address: No.5, Sangamitta Mawatha,
Colombo 13, Sri Lanka
Call Us: +(94) 112 421373
[email protected]
"State Of The Art" Steel manufacturing company
SR Steel (Pvt) Ltd commenced its business in steel industry during the year 2005 and its first factory was erected at Wattala and thereafter another mega steel factory commenced with advanced technology during the year 2009. The company has kept on improving the products. The company has obtained Sri Lankan standards SLS 375 – 2009 and international standards ISO 9001. It should be mentioned that our company came within the first five companies obtained SLS certification and accordingly the major steel factories at present have obtained SLS certification subsequent to us.
"State Of The Art" Steel manufacturing company
The Vision of our organization "To become best performing Steel Manufacturing Company with in the foreseeable future".
In order to accomplish the company's vision, the company introduced its Mission statement as follows,
"State Of The Art" Steel manufacturing company
To manufacture high quality Steel Bars supported by continuous product development to cater to the Construction Industry at enhanced capacity. To achieve the set strategy by improving operating processes on a regular basis and also developing the skills of the task force and moreover offer our products and services to the community at large at reasonable prices with an objective of achieving financial and corporate strategies.
"State Of The Art" Steel manufacturing company
To ensure superiority in technical process and manufacturing systems in par with latest technology in the steel industry.
In order to ensure flexible manufacturing system to enable the company to manufacture range of products to keep in line with the market demand.
To ensure safe environment within the factory premises by resorting into safety practices which will enable employee safety.
To adopt sustainable organizational culture and to determine flexible working relationship with superior subordinate situations.
To provide comprehensive training and development to employees at all levels so that to improve their knowledge, skills within the industry for the betterment of the organization's productivity.
Manufacture products such as steel bars according to customers requirement such as the length wise as per specified by the customers.
Company ensures the delivery services are based according to the requirements of the customers so that deliveries can be made on time to provide so that customers requirements can be met.
Loading of finished products to customers lorries will be done on first in first out basis so that a fair service provided to all customers based on that time of arrival. We provide special services to customers who request the delivery very much prior to his arrival in the factory so that a special service could be arranged.
The company also provides transport of finished products to a customer stores or to a destination he request.


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The inventor of the double guitar brought his concoction to San Antonio on Thursday night while endorsing his favorite company the best way he knew — shredding and amazing an intimate crowd that could only look on in awe. But before playing a note, Michael Angelo Batio took to the stage and began with a declaration:
"The best way to talk about Dean Guitars," Batio said calmly, before raising his voice, "is to shut up and play Dean Guitars!" He then raised his metal horns and bellowed, "Let's do it!"
And with that, a crowd of 115 that had settled into chairs or stood along the walkway of Sam Ash Music store applauded and roared as Batio kicked off his instructional clinic by playing a medley tribute to "one of my heroes," the late Quiet Riot and Ozzy Osbourne guitarist Randy Rhoads.
The clinic and subsequent autograph session was scheduled to last from 7-8:30 p.m. Instead, Batio was on stage from 7:15-9 p.m., cooled off for about five minutes, then signed and posed for photographs with every fan that wanted to meet him. Another 1 hour and 50 minutes later, everyone went home more than pleased.
The heavy metal community became aware of Batio and his out-of-this-world instrument in the late '80s when his band Nitro received regular airplay on MTV's "Headbanger's Ball" via their video "Freight Train." With Batio showcasing speed on specially designed guitars the likes of which no one had ever seen and vocalist Jim Gillette breaking wine glasses with high-pitched wails, the pair also gained notoriety via an MTV interview with Headbanger's host Adam Curry, who lives in Austin nowadays.
Batio, a Chicagoan also known for his lightning-quick over/under technique, regaled the Sam Ash crowd with stories of his travels (he was in Venice, Italy, two weeks ago and is about to head to China for the 12th time); his technique ("People ask me, 'Why do you do that thing you do' ", referring to the over/under. "WHY NOT?"); why he solidly backs Dean Guitars and included recollections of how he met some of his favorite guitar players.
"On May 1, I jammed with Steve Vai in Poland in front of 10,000 fans," Batio said, "and I received one of the best compliments ever from Steve Vai. He said, 'Michael, anytime I want to see what a human being is capable of, I watch you. Can we get a selfie?' "
Batio, often following an easygoing moment of narration with a sudden burst of energy, quickly added, "I don't say those things because it makes me cooler. It's just some of the greatest moments in my life."
Batio also name-dropped axemen such as Dragonforce's Herman Li (who the SAMME interviewed the day before Batio's clinic; stay tuned), Creed and Alter Bridge's Mark Tremonti and "my student" Tom Morello of Rage Against The Machine. He mentioned a slew of others who ended up switching to Dean Guitars from their previous respective companies, including Megadeth's Dave Mustaine, former Scorpions guitarists Uli Jon Roth and Michael Schenker, and "even Bret Michaels doesn't endorse Dean, but he plays Dean acoustics."
Batio spent the first half of the clinic playing a multi-colored Sam Ash guitar and later broke out a bright blue Flying V (see slideshow, top left). He played two solo songs — "No Boundaries" and "Rain Forest" — intertwining them among other various tributes. At one point, Batio spent up to 10 minutes talking between playing, and during the autograph signing afterwards while selling three solo CDs for $15 each or $40 for all three, he told some autograph-seekers that he was unable to play anything off his new disc Intermezzo because he talked a lot.
"I like to gab," he said with a smile.
One of Batio's semi-lengthy tales involved how he met the late "Dimebag" Darrell Abbott. Referring to the Pantera legend as "the greatest Dean endorsee ever," Batio played a medley that included "Cemetary Gates" and "Cowboys From Hell." Seemingly unbeknownst to Batio, his story-telling and clinic was taking place on the 24th anniversary of Cowboys From Hell's release by the Texas mainstays.
Shortly after playing a Led Zeppelin tribute, Batio finally broke out the double guitar. While at least one fan with a camera and notepad expected Batio to showcase his invention for at least 30 minutes, he instead saved it for a 6 1/2-minute jaw-dropping ending to the clinical portion (click on the SAMME's video, above left).
During the autograph signing, Batio took time to ask every fan what their name was and how to spell it as he signed posters, guitars, and even a book of hair metal bands that had Nitro on the cover. At one point, Batio met with two members of Austin band Immortal Guardian. As Gabriel Guardian, the group's simultaneous guitarist and keyboardist looked on, Batio spoke with guitarist Jyro Alejo, who made a YouTube clip of himself playing "No Boundaries" (watch here). Batio told Alejo that he watched it twice and that he was "really impressed."
Fans had been told at the beginning of the clinic by a Sam Ash representative that video recording was not allowed. Nearly four hours later, the SAMME waited until the last person's autograph had been signed before shaking hands with the fellow Chicagoan, passing along a complimentary greeting from Dragonforce's Li and asking for permission to use the video that accompanies this article. Given Batio's response, it was probably a good thing that 99 percent of the crowd had left the building:
"Sure," he shrugged. "You can't stop people from filming."
But before they had gone home, Batio was complimentary of the fans, Sam Ash employees, and musicians past and present of various genres of metal, all the while emphasizing that standing out from other guitarists was always his objective.
"I wanted to do something on guitar that no one on this planet had ever done," Batio told the audience. "I wanted to be different. Not better."
In the opinions of many in the house Thursday night, Batio accomplished both.
For related SAMME coverage, see the "Suggested" links in blue below.
It pays to subscribe for free to the San Antonio Metal Music Examiner, no matter where you live. Do so at the top of this article for exclusive interviews, concert announcements, reviews, and all things metal. You can also get your fix via the SAMME Facebook page, follow along on Twitter or StumbleUpon, and check out his YouTube channel.


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Louisiana Child Support Worksheet Elegant L 7 is Child Support Chart Florida the Most
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Welcome to WordPress. This is your first post. Edit or delete it, then start writing!
5 Effective Travel Tips for Everyone
Irrespective of when you plan to travel, be it during the holiday (vacation) or not, there is a need
for you to prepare and plan effectively and efficiently for your trip because it is part of your
life. There are many other ways you can enjoy your holidays which is not only in drinking
and partying but also in traveling. You should focus on your security (which is important),
mostly while you are traveling overseas nevertheless; you should also keep an eye on your
possessions because you are responsible for your actions and inactions. Be informed of the rules
and regulations governing such areas especially the specific destination which you are going
(visiting). However, the simple travel tips below will be of great importance to you:
- Investigate: so far you are definite about your location. Ensure you do a thorough
investigation of the new location because it is a completely new environment. Know
and understand their culture and history (though not a must), learning a few words of
their language will be an added advantage and will boost your relationship with the
citizen. Select the way you travel to your destination especially if you are traveling by air,
it is paramount to book your tickets earlier. You must know the weather condition of the
place which will aid the type of cloths to take along and others; surf the web where you
can read the needed information about the new location because it is another place (web)
you can gather as much information as possible about the country you are going to visit.
- Tour or Travel Insurance: Ensure you have all the necessary travel insurance
documents so as to save yourself from unexpected situations, especially negative ones.
Some of the travel or tours insurance are:
• Medical expenses.
• Cost of missed departures.
• Liability cost.
• Flight interruptions.
• Baggage loss etc.
Ensure you do not disregard this because it is good.
- Set Your Financial Plan: This aspect must be thoroughly observed because virtually
everything in your new location will call for you. Make a list of your travel expenses. Your
ability to set daily financial plan will help and guide you because you must not spend all
you have with you because you will be going back. Buy things in order of importance and
don't just buy them, ask questions before you do. Also, base on your financial plan, you
should choose the travel method to your travel destination. It is best to investigate well
so as to find the best package deals. Don't be too eager to travel, be certain that your tour
package has all the basic expenses such as travel cost, accommodation cost, visiting
charges etc. Unless if otherwise, make use of the public transportation it is where you can
intermingle with locals and can know more about their history, culture, practices,
languages etc.
- Seize Memorable Moments: one of the ways you can use to remind yourself of the
good old days is this. Ensure you take along a good camera. Both phone cameras and
ordinary cameras can do this. Your phone cameral will enable you to save your pictures
online. Document your great memories and take beautiful and gorgeous landscape of
that place. It's best to bring cameras and other valuable things with your carry-on
- Be Safe and Ready: Ahead of leaving for travel, it is imperative to recheck your packed
luggage. This can be achieved when you have a list of what you want to take and you check
it one after the other which will assure you pack all your essentials needs like your travel
documents etc. Ensure you label your baggage so that you can easily find it and let your
body and soul be at rest.
5 Reasons to become a Travel Blogger
Tour is enjoyable, pleasurable and filled with excitement. Sharing your experience will
motivate and stir others to follow. Nowadays, blogging is one of the most excellent means
of reaching people all over the world. Everyone loves to read stories (especially travel
stories) therefore it will be distinctive when you share your own tour story. Being a travel
blogger brings numerous advantages. Here is a list but not limited to the following:
- MOTIVATE OTHERS: Being a travel blogger will motivate others to travel to diverse
destinations and locations through your blog or page even where you cannot dream of. It
is understood and well known that a travel story is capable to motivate your friend,
families, and relatives because the majority of this people follow social media posts before
they plan any tour.
- TOUR COMMUNITY: Being a tour lover who is passionate about travel, then you can
connect with different travel communities as a tour blogger. However, there are
numerous groups of tour bloggers in which you can join.
- SHARE YOUR EXPERIENCE: A passionate tour blogger become more successful as
he or she shares his or her personal experience on the blog which will make the blog
more attractive, appealing, appeasing and inspirational. Writing on contents like your
destination, where you stayed, how you reach the place, the food experience, the local
dishes you enjoyed while there and some other security tips for their safety.
- START EARNING: Money is one of the reasons why you are working. In the process of
starting a tour blog, it is certain that you will earn money from it. However, there are lots
of ways to generate profits from travel blogs such as advertisement and paid articles and
others and you need to be very consistent in updating your blog.
- LIVE YOUR ZEAL: Since the tour is your passion therefore blogging is the best way to
share your zeal with the readers. Your zeal is your passion. Follow it.


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Your source for SAP SCM tutorials, tips, and training content
By reading this article, you will learn how to:
Demand Planning (DP) in SAP Advanced Planning and Optimization (SAP APO) helps to generate forecasts based on historical values. By using characteristic-based forecasting (CBF) in DP, you can forecast not only at the product but also at the characteristic level. For example, in the automobile industry you can have several variants of a product (e.g., a motorized bicycle) based on color, engine, or transmission. Therefore, the planner needs to forecast demand not only at product level but also at the characteristic level. In SAP terminology, different features of a product such as a motorcycle are called characteristics (e.g., color or engine), and each characteristic has different values assigned to it known as characteristics values.
SAP Advanced Planning and Optimization (APO) Demand Planning (DP) helps you to carry out the forecasting process. You can use statistical forecasting techniques, such as the constant, trend, and seasonal models with different forecasting models. The output of the DP process is the demand plan (forecast). The demand plan is used to generate planned independent requirements at required locations for specific time periods.
Characteristic-based forecasting (CBF) is a feature of DP with which planners can not only define their forecast at the product level but also can segregate the forecast for a product at its characteristic level.
In demand planning without CBF, planners perform planning at the stockkeeping unit (SKU) or product level, but they cannot see the product's forecast at the detail characteristic level. Therefore, CBF has been introduced to incorporate this feature in DP. This is particularly useful in the automobile and high-tech industries in which you can have multiple variants of the same product and the number of combinations can go from a few hundreds to thousands. Obviously, not all combinations are relevant for the forecasting process. CBF provides you with the flexibility to restrict the characteristics used in CBF to those that are important for planning purposes.
Consider an example of a motorcycle manufacturer that builds motorcycles with various colors, with different engine capacities, and with different wheel types. In this case one of the models of the motorcycle is the product, but color, engine, and wheel types are its characteristics. With the help of the CBF feature, planners can see the demand not only at the motorcycle level but also at the segregated demand level in which various colors, engine capacities, and wheel types help them complete an accurate forecast.
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Alok Jaiswal is a consultant at Infosys Limited.
He has more than six years of experience in IT and ERP consulting and in supply chain management (SCM). He has worked on various SAP Advanced Planning and Optimization (APO) modules such as Demand Planning (DP), Production Planning/Detailed Scheduling (PP/DS), Supply Network Planning (SNP), and Core Interface (CIF) at various stages of the project life cycle.
He is also an APICS-certified CSCP (Certified Supply Chain Planner) consultant, with exposure in functional areas of demand planning, lean management, value stream mapping, and inventory management across manufacturing, healthcare, and textile sectors.
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Vijay Garg, PMP, has more than 14 years of SAP project management and implementation experience.
V. Krishna Anaparthi is a process architect at SAP Labs India Pvt. Ltd.
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Kristen Stewart, the face of the new Balenciaga fragrance campaign, was seated next to Anna Wintour (please don't put her on another cover!), and alongside Salma Hayek, and Nicolas Ghesquière muse Charlotte Gainsbourg at this season's Fall 2012 Balenciaga show, creating quite a celebrity buzz. As for the season's lineup, it was a mix of the futuristic looks we're used to seeing from Ghesquière, achieved most notably via rounded and somewhat oversized silhouettes, along with some retro 80s patchy, lamé and shoulder pad looks, as well as some distinctly sportswear-inspired pieces (think baggy trousers and print sweaters with wide arms).
As a counterpart, the designer offered some fantastic boxy jackets, semi-structured sweaters, and monochrome rounded coats with contrast lining, making for a slew of clean, streamlined looks. Also in the lineup were animal prints combined with color-blocks, and all bets are on one of the strapless numbers landing on Kristen Stewart's body.


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ACG Analytics Catalyst Calendar
Main Calendar Month View available on desktop only.
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An event every week that begins at 8:30am on Thursday, repeating indefinitely
The U.S. Department of Labor releases weekly unemployment data.


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The Department of Athletics and Recreation is committed to volunteering in our community on a regular basis and we'd love for you to join us!
Monthly Community Service
We work with Cor Unum Meal Center in Lawrence, and we have set up one night a month to serve their evening meal.
We would love for you to be a part of this opportunity for service. Students, Faculty, and staff are all welcome to participate.
Transportation is not provided so you will need to make arrangements on your own. Space is limited so sign up as soon as possible.
Spring Break Alternative
Looking for something to do during spring break? Join us for our annual Spring Break Alternative program and help in your community! We usually have a few different opportunities and you're welcome to join us for any one of them.
For more infromation or to sign up for an event, please contact:
Maureen Saliba
Email: email@example.com
Phone: 978-556-3718


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Okay – here's my top 10 comic picks of this week. I try and choose from a variety of publishers and story types, so there's a lot to choose from!
Lady Led Comics:
The first issue of this title was a knock-out hit. THAT ENDING! I am so excited to see what C. WIllow WIlson and Co. have in store for us with this issue. I never thoguh I Could love a character as much as I love Captain Marvel, but Kamala Khan is giving Carol Danvers a run for her money.
Ever wonder where all the great women of color are in comics? Look no further than A Voice in the Dark. Larime Taylor is a disabled writer/artist writing a story that is basically Dexter + Ross Campbell's Wet Moon. It's absolutely great, and it is sooo nice to see characters drawn in normal people proportions. Unlike certain superheroes we could mention…
Forever Carlyse continues her investigation of the Freemen Resistance, and tragedy strikes as the Barretts make their way to Denver. This is a great post-apocalyptic series full of betrayal, intrigue, and of course, a fantastic leading lady. You can never go wrong with Greg Rucka ladies and gents.
To be honest I'm still not 100% sold on this series. That said, I supported the Kickstarter and I'm excited to see what kind of actions is in store for this issue. The writing may not have grabbed me yet, but the art certainly has. This issue promises to have some crazy action sequences and I'm interested to see what Amy Reeder can do with Rocket Girl.
Okay okay, this is actually a trade. This is a reprinting of Princeless Vol. 1 which has been out of print for a bit. You see the comics alliance quote on the front? It's so freaking true. Follow princess Adrienne as she SAVES HERSELF and other princesses of the land. Jeremy Whitley really cares about the representation of young girls in comics, and you should also be following him on tumblr.
Leading Men
There are currently 2 Loki titles coming out right now, the one from Marvel and this from from Boom. I can't get enough of either. I enjoy this take on Loki (and the rest of his pantheon). Basically, Loki is sent to earth as punishment of sorts (mainly because Odin knows Thor won't understand the point of the punishment), and ends up completely rocking it. If you're any kind of Loki fan, you should definitely take a chance on this book.
Ten Grand #8 is finally getting to the climax of the current storyline. Joe Fitzgerald is in hell, attempting to save his wife Laura from the clutches of an evil man that is responsible for their deaths. What can go wrong? Quite frankly, a lot. The art of this book has gotten a bit…wonky as our protagonist left the ground of earth – but I'm excited to see just how (if) this resolves.
Last issue we met another person fused with a dreamstone and got to see Black Beard decimate his partner's opponent. Chris Mooneyham's art blows me away with each issue. It's beautiful. I would pay him money to paint the walls of my house. It'll be interesting to see his interpretation of the Island of Dreams, and see if Fabian can get any answers to his problem.
I am new to the Unwritten series, but as a former English major it has absolutely blown my mind. I love how author Mike Carey navigates literary references, tropes, and worlds all while making his own story. Unwritten Vol. 2 Apocalype has just begun and it's a great jumping on point. If you're a literary guy or gal like me, you wont' regret it.
Team Titles:
I don't think I can say anything about this book to explain just how good it is. So just buy it. But really.
Will you guys think any less of me if I admit I haven't read an American Vampire until the recent one-shot? Okay – judge ahead. This (like Sex Criminals) should ultimately be a no-brainer. I can't get enough of Snyder's non-Batman stuff – and his take on vampire's is refreshing, violent, and dirty – the way vampires were meant to be.
I can't exactly remember what's happening with this title right now – but this cover is pretty disturbing. If you like your supernatural thrillers, this series has been pretty solid and just keeps getting more demented which each new situation that Jackson T. Winters and friends find themselves in.
*whew* That's all for this week. LEt me know if I missed one of your favorites in the comments!


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ORLANDO, Fla., Feb. 26 (UPI) -- Utah Jazz forward Jeremy Evans was named the winner of the 2012 NBA Slam Dunk Contest Saturday after garnering 29 percent of the fan voting.
Evans earned the honors largely because of the second of his two dunks, which he executed with the help of teammate Gordon Hayward.
Hayward, while sitting in a chair, tossed two balls high above his head. Evans leaped over him, caught both balls and slammed each home in a spectacular display.
Evans was added Wednesday as a replacement for injured New York Knicks guard Iman Shumpert.
The other three participants in the NBA All-Star Weekend event in Orlando, Fla., included Indiana Pacers forward Paul George, Minnesota Timberwolves forward Derrick Williams and Houston Rockets forward Chase Budinger.
In other All-Star Weekend festivities, Timberwolves forward Kevin Love bested Oklahoma City's Kevin Durant in a tiebreaker to capture the 3-Point Shootout title.
Love also had to go to a tiebreaker to defeat Miami's Mario Chalmers in the first round of the contest.
In the Skills Challenge, San Antonio Spurs guard Tony Parker took the event with a time of 32.8 seconds while navigating a course that included dribbling, shooting and passing obstacles.
He edged Boston's Rajon Rondo and Deron Williams of the New Jersey Nets in the final round.
And in the Shooting Stars competition, former NBA New York Knicks star Allan Houston teamed with current Knick Landry Fields and Cappie Pondexter of the WNBA's New York Liberty to defeat Team Texas.
The latter squad included former Houston Rockets guard Kenny Smith, current Rocket Chandler Parsons and Sophia Young of the San Antonio Silver Stars.


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Thursday, August 28, 2008
Spaghetti with herb chicken meat ball and sauce
2 comments:
- dat one okrika girl...xyz said...
Alhaji this looks wonderful. Please can we have the recipe for the chicken meatballs. Thanks in advance
- August 30, 2008 at 7:54 PM
- alhaji said...
This is another easy recipe...
Fresh ground chicken
Black pepper
Italian seasoning or fresh/dry basil
onion powder
Blend/mix ingredients together
scoop directly into your sauce or steam separately.
Spaghetti sauce
Blend fresh tomato, 1-2 cloves of garlic, fresh basil and 1 can of tomato sauce in a blender.
Cook blended ingredients in 6 table spoon of olive oil (low heat}
let simmer for 5-8 mins.
add half a cup of water or stock
cook for 5 mins
add meat balls
add salt, black pepper and onion powder
simmer till slightly thicken.
Boil and add your spaghetti
cook for 2 mins letting the sauce coat the spaghetti evenly.
enjoy with chardonnay or sauvignon blanc (if you drink)
- October 15, 2008 at 4:25 PM


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This dessert is close to perfect: moist chocolaty cake gets layered with a silky caramel-coffee mousse and glazed with bittersweet chocolate ganache. For a fabulous cake any time of year, you can skip the decorative spider web on top. Plus: More Dessert Recipes and Tips
How to Make It
In a medium saucepan, combine the sugar with the water and lemon juice and bring to a boil over moderately high heat. Using a wet pastry brush, wipe down the side of the saucepan. Simmer the syrup undisturbed until it begins to brown around the edges, 4 to 5 minutes. Swirl the pan, then simmer until the caramel turns a medium-dark amber, about 3 minutes longer. Remove from the heat. Carefully add 1/2 cup of the cream in a steady stream. Stir with a long-handled wooden spoon to combine, then add the remaining 1 1/2 cups of cream. Stir in the vanilla. Transfer the caramel to a bowl and refrigerate until very cold, at least 3 hours or overnight.
Preheat the oven to 350°. Butter the bottoms only of three 9-inch round cake pans and line them with parchment paper. In a medium bowl, whisk the cocoa with the boiling water until a paste forms. Whisk in the milk until smooth; let cool.
Onto a sheet of wax paper, sift the cake flour with the baking soda , baking powder and salt. In a large bowl, using an electric mixer, beat the butter with the sugar at medium speed until light and fluffy. Add the egg and egg yolk and beat until creamy. Add the dry ingredients in 2 batches, alternating with the cocoa mixture; beat until smooth.
Divide the batter evenly among the 3 pans (the layers will be shallow) and smooth the tops. Bake the cakes for 12 to 14 minutes, or until the tops spring back when lightly pressed. Let the cakes cool in the pans for 15 minutes, then run a knife around the edges. Turn them out onto a wire rack to cool completely. Peel off the parchment.
In a small microwave-safe bowl, dissolve the instant coffee in 3 tablespoons of cold water. Sprinkle on the gelatin and let stand until softened, about 5 minutes. Using an electric mixer, beat the caramel with the crème fraîche just until soft peaks form. Working quickly, microwave the coffee-gelatin mixture at 10-second intervals just until the gelatin is completely dissolved and hot to the touch. Quickly whisk the hot gelatin into the caramel.
Line a 9-inch round springform pan with plastic wrap, leaving at least 4-inches of overhang all around. Place 1 of the cake layers, flat side down, in the bottom of the springform pan. Spoon half of the caramel mousse over the cake in the pan and top with another cake layer. Press lightly. Add the remaining caramel mousse and top with the final cake layer, flat side up. Fold the overhanging plastic wrap over the cake and refrigerate for at least 3 hours or overnight.
In a medium saucepan, heat the cream just until small bubbles appear around the edges. Remove from the heat. Add the chocolate and let stand for 5 minutes. Stir until smooth. Let the glaze cool for about 1 hour, until thick but pourable. In a small bowl, stir the confectioners' sugar with the milk and transfer to a pastry bag fitted with a tiny, plain tip.
Unwrap the top of the cake and invert the cake onto a large serving plate. Slide wide strips of wax paper under the bottom edge of the cake all around to catch drips. Remove the side and bottom of the pan and unwrap the cake. Smooth the sides of the cake with an offset spatula. Pour about 3/4 cup of the chocolate glaze over the cake and spread it all around, filling in any gaps. Refrigerate for about 5 minutes, until set. Pour the remaining chocolate glaze on the cake and spread it all around; do not spread once the glaze is smooth.
Starting from the center and working quickly out toward the edge, pipe a continuous spiral of white glaze over the top of the cake. Using a toothpick or wooden skewer, run the tip gently through the glaze from the center to the edge to create a web pattern. Refrigerate the cake for about 15 minutes to set the glaze. Let the cake stand at room temperature for 30 minutes. Gently remove the wax-paper strips, cut the cake into wedges and serve.


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The purpose of the SAC is to provide ERAfrica with independent, high-level and strategic advice on its efforts to advance science and technology cooperation between Europe and Africa and to support ERAfrica in achieving its objectives.
The purpose of the SAC is to provide ERAfrica with independent, high-level and strategic advice on its efforts to advance science and technology cooperation between Europe and Africa and to support ERAfrica in achieving its objectives. It provides scientific advice and analysis on ERAfrica activities, and supervision during the implementation and evaluation of the joint activities. The SAC will act in an advisory capacity to the Strategic Management
Board (SMB) and the Project Technical Committee and reports directly to the SMB. It is composed of eight elected members and the chair will be elected during the first meeting of the Scientific Advisory Board.
SAC members are:
Ms. Sanaa Botros (Egypt) is professor of pharmacology at the Theodor Bilharz Research Institute in Giza, and a very active member of the African Network for Drugs/Diagnostics Innovation (ANDI).
Ms. Esther Kahangi (Kenya) is Deputy Vice Chancellor Research, Production and Extension at the Jomo Kenyatta University of Agriculture and Technology. Her expertise is in horticultural plant biotechnology and breeding.
Ms. Erika Kraemer-Mbula (Equatorial Guinea) works as researcher and consultant at the Institute for Economic Research on Innovation at the Tshwane University of Technology in South Africa.
Mr. Pascual Mocumbi (Mozambique) studied medicine in Lausanne. He is the High Representative of the Europe and Developing Countries Clinical Trials Partnership (EDCTP) that aims to accelerate the development of new drugs and vaccines against HIV/AIDS, malaria, and tuberculosis. He is a former Prime Minister of Mozambique (1994 to 2004).
Ms. Ana Morgado (Portugal) is Director of the Natural Sciences Department and Head of the Geoinformation for Development Centre at the Tropical Research Institute. She has played a leading role in the Joint Expert Group meetings of the 8th Africa-Europe partnership (now led by Portugal).
Ms. Anne-Lucie Wack (France) is Director of Agropolis Fondation, the French scientific foundation for agricultural sciencesand sustainable development created to enhance international research collaborations in the field of agriculture, food and the environment. Her expertise is in food technology.
Mr. John Wood (UK), Secretary-General of the Association of Commonwealth Universities (ACU) is also Chair of the European Research Area Board and the most senior advisor to the European Commissioner for research, Innovation and Science. His expertise is in material science and engineering.
Mr. Jakob Zinsstag (Switzerland) leads a research group at the Swiss Tropical and Public Health Institute (Swiss TPH) in Basel on the interface of human and animal health since 1998. From 1994 to 1998 he was the Director of the Centre Suisse de Recherches Scientifiques en Côte d'Ivoire, Abidjan.


text: A couple of weeks ago, I was having dinner with some friends when the topic of Eichler homes came up. These are beautiful houses, with a Frank Lloyd Wright-influenced High Modern feel, but they're still very livable and quintessentially Californian. Sunnyvale alone has several neighborhoods made up of almost nothing but Eichlers—one of the largest concentrations in both California and the country. And people love them. There are sites dedicated to finding Eichlers for sale or to showing off pictures of their unique and beautiful look.


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Dear Audi,
I have been an Audi owner since 1998 when I bought a new Audi A4. Since that A4 I've owned an A3, another A3, an S5, and now an A6…..TDI. And that's where your streak stops.
My 2014 A6 TDI is one of the vehicles for which you and Bosch committed fraud in order to get it to pass emission tests here in the United States. Yes, you're going to fix it. Yes, you've already thrown a thousand dollars at me and will surely throw seven to sixteen thousand more. But it doesn't matter.
So, even though I have loved the cars, their interiors, their sound systems, have taken classes to learn to drive them safely and fast, and have trusted your all wheel drive systems to keep my family safe, I will not be purchasing another Audi–not even that nifty electric one you're hoping will distract me from the fact that you acted criminally.
When you think about the cars you've already sold me, and the cars you were hoping to sell to me over the next twenty years I hope it becomes clear that opting to commit fraud was a really, really stupid business decision.
n.b. I see there's a book coming out about the whole thing: Faster, Higher, Farther: The Volkswagen Scandal (Amazon).


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The Year end dinner will be Saturday October 19th at Riverbend Golf Club.
There will be a short AGM followed by awards and presentations.
This is also an opportunity to buy and sell used equipment and clothing. Feel free to bring it along.
Tickets go on sale October 1st.
$25 per person.
Cocktails at 5pm and dinner at 6:00pm.
Contact Evan at email@example.com for a ticket.


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The image area of the painting is approximately 10"x15" (25.4cm x 38.2cm). It is a mixed media painting in pencil, ink, watercolor, and acrylic gouache on 140lb (300gsm) 100% cotton watercolor paper.*Buy Batgirl #25 at Amazon.
Below are a few snapshots and a more color-accurate scan.
I will be accepting offers until 8/15. Please use the contact form to make an offer or ask any questions.
Monday, August 6, 2018
Batgirl #25 original cover art for sale
Posted by John at 12:04 PM
Labels: batman, comic book covers, dc comics


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Advanced courses are continuing education certification courses for certified divers. These enjoyable programs of continued supervised experience are designed to introduce divers to a variety of diving activities in open water settings.
Nitrox Course
Want to extend your bottom time, lessen your surface interval, and maximize every dive? Become an Enriched Air Nitrox diver! All academics completed using the NAUI e Learning Center and NAUI Nitrox Diver Educational System; you will learn to analyze oxygen-enriched air with your instructor. This program includes *1 off shore dive trip.
Cost – $375.00 Includes NAUI Nitrox Diver Student Kit. *2 tank dive trip on one of our regularly scheduled dive trips.
Advanced Course
Let your underwater adventure continue! Apply your scuba skills as you explore new dive sites and activities under the supervision and training of your NAUI Instructor. In this program you will complete six open water dives including three separate dives for navigation, night or low visibility diving and deep diving, plus three different dives. Some of the many different dives you can do include: Wreck Diving (non-penetration), Underwater Hunting (Spear fishing), Underwater Mapping, Search and Recovery, or Fish Identification and The Underwater Environment.
Cost includes instruction with 3 diving days and your offshore diving trips.
$650.00 per person plus the NAUI Advanced Scuba Diver Education System
Advanced and Nitrox Combo
This program is a combination of the Nitrox course and the Advanced Scuba Diver course. You will enjoy six dives with your instructor and oxygen-enriched air.
Cost – $450 plus NAUI Advanced Scuba Diver Education System, NAUI Nitrox Diver Student Kit and $100.00 for each of your offshore trips.
Wreck Diver *Non-Penetration
This course includes academics, bench work, gear configuration and 4 offshore wreck dives in the Gulf of Mexico.
Cost – $650.00
Advanced BLS with First Aid & CPR, Auto Defib, Blood Born Pathogens
This program includes two full days of classroom work with your instructor learning Advanced First Aid and CPR for adults, children, blood borne pathogens, AED, and oxygen provider.
This course is a prerequisite for your Rescue Course
Cost – $250 plus NAUI First Aid Student Kit
Rescue Diver
All academics completed using the NAUI e Learning Center and NAUI Scuba Rescue Diver Education System a, This course trains divers in the knowledge and skills needed to manage risks and effectively handle limited in-water problems and diving emergencies. Included are: assists, transports, surface rescues and rescues from depth involving both boat and shore based skin and scuba divers. The course meets the prerequisite rescue training for Skin Diving Instructor, Assistant Instructor, Divemaster and Instructor certifications.
Cost – $500 plus NAUI Scuba Rescue Diver Education System,
1 day of academics and 1 day diving
Master Scuba Diver
The Master Scuba Diver Course is a continuing education certification course for divers who wish to increase their understanding and enjoyment of diving. Emphasis is on student participation and practical application of knowledge in open water after a classroom discussion of subjects. This course is an excellent progression toward NAUI Leadership roles.
Cost – $1500 Plus NAUI Master Scuba Diver Education System and gear rental. *Offshore dives Included in price. (*4 Diving Days 8 dives)
Included in NAUI e learning program: Emergency Procedures/Rescue, Deep/simulated decompression diving, Limited Visibility or Night Diving, Underwater Navigation, Search and Recover – light salvage, Air Consumption (practical application), Environmental Study or Survey, and Special Interest
Specialty Courses are Available Upon Request


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In awareness and support of World AIDS Day on December 1, Apple has launched a fundraising campaign for the next two weeks designating the proceeds from 25 Apps on the App Store to go directly to (RED)'s Global Fund to Fight Aids. Co-Founded by U2's Bono in 2006, (RED)'s mission is to work with companies to fight for a generation free of the AIDS virus.
In addition to the two weeks of proceed from the 25 apps, the iPhone maker is also donating a portion of the profits from sales on Black Friday and Cyber Monday to (RED). Since 2006, companies selling designated (PRODUCT)RED merchandise have raised over $275 million for the fight against AIDS. The iPod maker alone has raised more than $75 million.
Apple's CEO Tim Cook announced in a statement that the company was proud to be part of the (RED) fight because "the gift of life is the most important gift anyone can give." For eight years Apple has been giving customers the opportunity to assist with the fight against AIDS in Africa by helping to support life-saving treatments which are having a positive impact. This year the computer giant has launch their biggest fundraising push to date with help from both Apple's retail and online stores.
Six months ago, Apple and app developers to discuss (RED). The Cupertino, California company convinced these developers to take products and customize them with (RED) additions. Zynga, the developer of CSR Racing created a red Mercedes-Benz AMG GT for the (RED) promotion. Electronic Arts (EA) added a (RED) tournament for FIFA 15 that gamers can compete in.
Apple's own GarageBand is going (RED) and offering a special In-App purchase that offers more than 300 new guitar, bass, drum, and synth loops and the drawing app Paper has also jumped in with a red icon and a red application theme. These are just some of the items and add ons that consumers will find in (RED) tagged products.
Besides EA's FIFA 15 and CSR Racing, Angry Birds has gone (RED) along with Clash of Clans, Cut the Rope 2, Kim Kardashian: Hollywood, Despicable Me: Minion Rush and a number of others. Each app offers special levels or add ons to support the fight against AIDS. The range of apps available should provide a way for many customers to contribute.
Besides special (RED) apps, select products purchased on Black Friday in the company's retail stores will earn customers a special (RED) iTunes gift card. The card is good on anything in the iTunes store and Apple will make a donation to (RED) when the card is used. In the past, Apple has offered a special (RED) iPod and other products, however, this years push appears to be the companies biggest yet.
Information from the (RED) website states that the average cost of antiretroviral medicine is about 40 cents a day. Apple's (RED) promotion could easily help provide these needed medications for near 100,000 people. While Apple has been going (RED) from the starts of the foundation, the company has a desire to do more. Senior vice president Eddy Cue stated that the company is convinced that there was an opportunity to do more with (RED). This year, the drive to get developers involved with the program was an important step.
By Carl Auer
Healthcare Global
Click On Detroit


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Hezbollah Takes Southern Lebanon Hostage
In an unprecedented move, the Israeli Defense Forces have released sensitive intelligence information about the situation in southern Lebanon (available at the IDF blog). Hezbollah forces have taken over more than a hundred villages to store their heavy artillery, and their command posts are near schools and hospitals.
This represents a major shift in strategy for Hezbollah since 2006, when they stored most of their weaponry away from habitations, as befits any army that claims to want to protect its own people. But the IDF hit most of their supply in the first days of hostilities.
Hezbollah improvised by hiding behind civilians in order to shield themselves from attack while they fired at civilian targets in Israel. In a notorious incident, when an Israeli missile hit the foundation of a building near Qana in early 2006, Israeli spokeswoman Miri Eisen apologized profusely for the incident -- which the media turned into a ghoulish production -- assuring the world that if Israel had known that there were children in the building, they never would have fired at it.
The unintended results of this open and overriding concern for the safety of Lebanese civilians, combined with the almost addictive need on the part of Hezbollah to target Israel at any cost, has produced the current situation in which Hezbollah has essentially taken the civilians of southern Lebanon hostage. Behind the shield of these civilians, any of whose deaths the media will lay at the feet of Israel, this fanatic Shia militia has assembled an army of some 20,000 soldiers and some 40,000 short-, medium-, and long-range missiles, some hundred of which can hit Tel Aviv. In the case of renewed hostilities, these encampments would be capable of sending over 700 rockets a day into Israel.
In this context, it's worth remembering the Francop, the ship laden with arms from Iran sent to Hezbollah and intercepted by the IDF. There were roughly 10,000 rockets found on the Francop, two and half times the number of rockets fired at Israel during the 2006 summer war.
We gain glimpses of the costs of this process over the last four years. In August of the same year, villagers attacked some Hezbollah operatives and tried to kick them out of the village. Their concerns were confirmed in the village of Tayr Filsay in October 2009, when one of the weapons store houses blew up. Hezbollah cordoned off the area to remove the rest of the weapons before they would let the Lebanese army or UNIFIL in to inspect.
The Israeli authorities chose to reveal this information even at the risk of some undesired disclosures about their intelligence capacities. (No army wants to let the other know what they know about them.) This move clearly took aim at both the UNIFIL troops -- whose new commander Major General Alberto Asarta Cuevas received a copy -- and UN authorities in New York, where a delegation arrived this week with the evidence. The move coincided with Prime Minister Benjamin Netanyahu's visit with UN Secretary General Ban Ki-moon. Ki-moon's recent comments on the tensions in Lebanon placed the blame on Israel for complaining about Hezbollah's behavior but did not criticize Hezbollah's illegal arms build-up itself -- a classic expression of appeasement syndrome.


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What is PayPal? How Does PayPal Work? Why Should You Use It?
Because it makes paying online safer and easier and protects you wherever you shop. Click to . Is Paying with PayPal Faster Than Using My Credit Card? Yes.
Purchase Protection – How to Stay Safe and Sound with PayPal
. or if it arrives significantly different than described, you're eligible for a full refund. . You're safer when you know who's on the other end of a transaction. . And to give your credit card and bank numbers an extra layer of protection, we do .
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PAY PAL EASY DIRECTIONS - HSTreasures.com
It is in fact safer to go through Paypal than to use your debit or credit cards. For one, the merchant or company you are buying from will not have access to your .
Why is paypal so preferred over other methods of payment?
For those who qualify, you cna get a paypal credit or debit card. . And it's fairly secure, much safer than passing around credit card numbers.
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The credit card companies are far better than PayPal when handling a dispute and . There aren't additional fees and I think that it's safer to use a prepaid card .
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Aug 3, 2009 . 2) Paypal purports to be "safer than using your credit card, but this is highly misleading. For payments over Ł100 you are protected if you use .
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Aug 11, 2010 . Credit card security: When you sign up for a PayPal account, you . you can rest assured that your finances are safe should your iPhone be lost or stolen. . have more protection than most credit card holders when it comes to .
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Transactions that use cash in a PayPal account to another PayPal account are no safer than a bank transfer and we do not recommend them. Debit/credit cards .


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Royal Ballet to partner with St Mary's University to further sports science support for dancers
5 July 2016
New partnership will offer a funded Master's degree.
Children deserve the best of art and culture, but how do we make that happen?
27 June 2016
Creative opportunities are vital for young people, but there are competing viewpoints on how we ensure the arts are kept high on the agenda.
Winners of the 2016 Design Challenge Competition announced
4 February 2016
This year's competition challenges students to create designs for the opera La traviata and celebrates young creative talent.
Meeting the Cultural Education Challenge
14 October 2015
How the Royal Opera House is playing a part in offering cultural learning for all children and young people.
Winners of the 2015 Design Challenge Competition announced
27 March 2015
Students take on the challenge of creating designs for Madama Butterfly as part of this year's competition.
Watch: Our favourite Shobana Jeyasingh clips
24 March 2015
The choreographer's top YouTube moments reflect her position at the forefront of British contemporary dance.
Winners of 2015 Fanfare Competition for young composers announced
4 March 2015
12 secondary school pupils will have their fanfares orchestrated and recorded by the Royal Opera House Orchestra.
Royal Ballet Resident Choreographer Wayne McGregor to open world-class studios in 2016
27 February 2015
Studio Wayne McGregor will be part of a new educational and cultural hub in East London.
Participating in cultural projects can rebuild homeless people's pride and purpose AND makes for electrifying art
9 December 2014
It's a question of dignity, says Matt Peacock of Streetwise Opera.
Arts in a hospital school: 'The best time at the worst time'
28 October 2014
Staff from the Children's Hospital School at Great Ormond Street describe how having the arts at the heart of their curriculum is key to pupils' success.


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From Pre-pregnancy checkups till post-baby delivery appointments, we had it at Dr James Lee Women's Clinic. Of course, our Gynae, Dr James Lee, was the one attending to us from Day 0 till baby was born. Why day 0? Because we were trying and trying, Dr Lee patiently aided us in trying to call the stork over. He would tell us the reasons of behind unsuccessful conceiving and pointed to us ways to prevent them. He would give us all the facts straightforwardly without any sugar-coating which enticed us though we would get frustrated for some months as the stork has yet even to be seen flying around us.. he even introduced TCM to us to aid in our quest!
So when we got to know that the stork has finally hovered around, Dr Lee went full mode to take care of the pregnancy. He was very professional , set targets to adhere to (diet, weight, etc) and most importantly, very encouraging and patient too with our numerous enquiries and doubts ( first time parents!) When we were not sure of anything, we would called in, smsed his Assistant (the always radiant Pei Xin is another two thumbs up in service, she was always there to attend to us, yes.. after operating hours too and patiently slot us in for last minute appts) and Dr Lee would patiently attend to us and explained thoroughly. While the pregnancy blossomed in the nine months steadily, so did our relationship with Dr Lee as he would do scans after scans, explained all the test results to us and even gave tips on best timings to go for these tests to avoid peak periods! Nearing the delivery, we got more attention from him and gave more advises to aid in the delivery (yes, from eating specific fruits to all the type of exercises) and what to expect during delivery and post delivery. He respected our wants for the big day and addressed our needs closely SO when the big day came, his professionalism and expertise shoned as he had undoubtedly handled all sort of emergency labour but has prevented a C-Sect and received the baby safe and sound, calmly and perfectly! Follow-ups after delivery were also done and advises to handle a new life as new parents were given by him (from breastfeeding to sleep timetable haha)
As a whole, the whole child birthing process was a good experience and scored 11 out 10 for his sincerest genuity and no doubt we will still go back to Dr James Lee for No 2.. or 3?
Natra & her sidekick, Suhardi


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Marcellus Shale: Pipe dreams in Pennsylvania?
When the natural gas companies descended on Pennsylvania's Marcellus Shale two years ago, it felt like a Gold Rush. And everyone seemed to be hitting pay dirt.
Landowners, many in long-depressed regions, rushed to lease their property, betting the promised royalties would better their lot. Mayors rejoiced that restaurants and hotels were full after decades of barely hanging on. Legislators talked of thousands of new jobs.
Even some environmentalists were pleased-natural gas burns clean, it's plentiful and it's local. Finally, it seemed, an energy source had come along that would wean Americans off their foreign oil addiction, fight climate change and boost the economy. ...
- December 01, 2009
- 0 Comments


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Emily McClure, a fashion and beauty blogger at Bustle.com, recently put Wen hair by Chaz conditioner to a week-long test designed to reproduce the successes showcased on advertising for the Sephora marketed product. For seven days, she applied the conditioner daily and took note of the progress.
Before starting Day 1, Emily was concerned about the recommended amount to be applied. It was much more than what she uses normally, but after following the instructions, she was pleasantly surprised to find her hair felt somewhat thicker. She was also happy not to see lose strands around, which she often experiences as a woman with longer hair. Her Day 2 results where basically the same as Day 1, with the same fuller look she had gotten before.
On Day 3, Emily wanted to see how well WEN by Chaz would work with her styling products, and was glad to see that by the end of the day her hair was still looking shiny and healthy. Day 4 was a loss since she was not able to get a shower in before work, but by Day 5 she had gotten a sense of what her hair would look like after applying the conditioner.
By Day 6, she was still keeping up her good results, and even got compliments on her look at an after-work happy hour. Finishing up her test on Day 7, she said that she in the future she would use WEN when she was looking for a brighter shine.
WEN by Chaz is a cleansing conditioner created by celebrity stylist Chaz Dean. Its revolutionary hydration process is designed to reverse the damage caused by other products containing harsh chemicals. Beginning in 1993, Dean tested his formula for five years before finally marketing the product that is available today. Check out the gallery of Wen hair products on Total Beauty.com.
Visit the Wen hair website http://www.wenhaircare.com/, for more information.


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I've committed to three stash-down goals for 2010.
First, I have gone "Cold Sheep", which my friends over on Ravelry know means no yarn purchases. The only exception I am allowing is yarn needed to finish a project already in progress. To date, I've been successful and have not purchased any yarn this year! So far, that's over three months with no new yarn purchases!
Second, I will knit/crochet up 10 miles of my stash this year. That's a little less than 1,500 yards each month. So far, I used 3,897 as of the end of March, which is a little behind pace. I hope to make up for it this month with a few larger FOs.
Third, I am trying to use up 100 balls of yarn this year. Now, the goal is to get rid of balls of yarn. They don't have to start out as full balls, but they have to be completely gone in order to count. I am at 21 balls as of right now, but am focusing on partial balls to up my count.
Pictures of some cute things to come, but for now, off to knit!


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Wellness - Zumba
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This event recurs on Tuesday every week until 4/30/2019.
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The Zumba® program fuses hypnotic Latin rhythms and easy-to-follow moves to create a one-of-a-kind fitness program that will blow you away. Originally created by Alberto "Beto" Perez in Columbia, Zumba® is a Latin inspired dance fitness class that combines interval training sessions with fast and slow rhythms to sculpt and tone your body while burning fat. Our goal is simple: We want you to want to work out, to love working out, and to get hooked. Zumba® fanatics achieve long-term benefits while experiencing an absolute blast in every calorie-burning, body-energizing class. This class is perfect for all fitness levels and no dance experience is necessary!
Zumba®Toning - For those who want to party, but put extra emphasis on toning and sculpting to define those muscles! It works by utilizing the challenge of adding resistance by using Zumba®Toning Sticks or light weights, which helps you focus on specific muscle groups, so you (and your muscles) stay engaged! By using lightweight maraca-like toning sticks or light weights, Zumba Toning enhances sense of rhythm and coordination, while toning target zones, including arms, core and lower body.
So, join Dawn George, certified dance and Zumba instructor, as she leads you through the latest in fitness fun. What are you waiting for? Ditch the workout....join the party!
Please note that anyone participating in any of the Be Well@Babson programs must sign a waiver before beginning any program or activity.
Classes may fill up and are assigned on a first come, first serve basis.
All of the Be Well@Babson programs are limited to Babson staff and faculty only and there are no exceptions that can be made.
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Babson Campus - Webster Athletic Center
Room: Chandor Dance Studio
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Courtesy Getty Images for Rémy Martin/Jerritt Clark
It's been just about a week since Khloe Kardashian and Tristan Thompson welcomed their first child together, True Thompson.
Khloe gave birth to their baby girl on Thursday, April 12 at a Cleveland hospital with Kris Jenner, Kim Kardashian, Kourtney Kardashian and BFF Malika Haqq by her side.
The baby's arrival followed shortly after an alleged cheating scandal involving Tristan was reported. Amid all of the cheating reports, Tristan returned to the basketball court for the Cleveland Cavaliers' last season game on April 11. After the game, Tristan made it to the hospital for the baby's birth.
So what's the status of Khloe and Tristan's relationship today?


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"The trouble around difference is really about privilege & power-the existence of
privilege & the lopsided distribution of power that keeps it going. The trouble is rooted in a legacy that we all inherited, and while we're here it belongs to us. It isn't our fault. It wasn't caused by something we did or didn't do. But now that it's ours, it's up to us to decide how we're going to deal with it before we collectively pass it along to the
generations that will follow ours."
—Allen G. Johnson, Writer and professor of sociology
Dear Racists,
Warning: The following may enlighten and help you to understand the dire situation that the human race is in.
We have a problem. Discrimination, in all its forms is highly unattractive. It is an ugly monster which when displayed has power to spread into the hearts and minds of its victims, settling there, causing massive destruction. It wields such power that it has caused human beings to turn against each other and snuff out the breath of their neighbour in the name of an ideology that places one person in a supreme position compared to another. Lack of understanding, compassion, tolerance, and acceptance feeds this monster.
Your brand of discrimination is a particular form of oppression. It is based on the belief that you are superior to other human beings because of the race you were born into. That somehow, the characteristics you developed during incubation, such as the colour of your skin, shape of your eyes and nose, and the texture of your hair, is to be held in higher esteem than the characteristics given to another person during time in their mother's womb.
It has been said time and time again that race is a touchy subject. "Try to avoid it," they say. However, if you consider yourself to be truly "woken" to the ills of the world, then why is this an issue to be buried? Knowing the milk was spilt is a far cry from picking up the mop and engaging your muscles in the process of scrubbing the mess made. It must be noted then, that the cleaning method to be used here does not include blatantly covering systemic inequalities and denying other races their right to cry out for the justice they deserve by covering the problem with a veil labelled #AllLivesMatter.
When Billie Holiday sang about the "strange fruit hanging from the poplar tree," she was not referring to mutated cotton. For this reason, saying #BlackLivesMatter is a reminder that racism is rampant embedded in the very system that is supposed to protect all people. This very system needs a reminder that black lives matter, because the society has been historically designed to debase and dehumanise black people. So please, do not be offended by the statement that black lives matter. The lack of care for black lives can be traced back to slavery, when the belief that Africans were subjacent and barbaric was used to justify slavery in the 18th century. Now, in the 21st century, black lives still appear not to matter, as the stereotype remains cast over an entire continent and all ancestors, leading to illegal and unjust executions of people because of their skin colour.
Please, let us not deflect away from the real issue at hand by diffusing it with sugary notions and shielding yourselves from the blame. Whether in the form of police brutality or you shamelessly telling that girl that she looks good today because she had her hair flat-ironed; racism is real.
Have you ever had an immigration officer question your right to have a seat on the plane to a European country, then looked around and noticed you're the only black person on the flight? – I have. When you walk into the bank for a loan, do you ever imagine that your skin colour may be a factor? – Hispanics do. When a police car drives by, do you ever worry about being pulled over because of your race? – Black men do. Are your credentials ever questioned because of your nationality? – Indigenous people face this scrutiny.
Check your privilege.
Socialist historian C.L.R. James explained that:
"Historically, it is pretty well proved now that the ancient Greeks and Romans knew nothing about race. They had another standard–civilized and barbarian–and you could have white skin and be a barbarian, and you could be black and civilized."
The roots of slavery based on race lies in European racism, the Transatlantic Slave Trade, and colonialism. The Caribbean is a perfect region to make the case of historic racism and the continuation of this disease. Between 1662 and 1807 Britain shipped approximately 3.1 million Africans across the Atlantic Ocean. By force, they were brought to colonies across the Caribbean and sold as slaves to work on sugar plantations. Here, prejudice reigned; enslaved persons were whipped and tortured endlessly. People were constantly divided and made to face inequalities because of different pigmentation. Variances were also established within the colour scale, with 'mulatto' (oftentimes a product of white plantation owners raping black women) people being put to work inside the houses rather than toil on the plantation. Emphasis on skin colour was a foundation in Caribbean society and it remains today.
Addressing systemic repression of persons of certain races and ethnicities to underclass global citizens needs to be made a priority. Racial reconciliation may not occur predominantly through governmental programmes, but it does start with you and with me. When we come together as human beings and embrace our differences we are able to learn from each other and appreciate each other. Babies are not born racist, so let us clear our mind of indoctrinated hate and see each other as all being a part of the human race.
You are either part of the problem or part of the solution.
So when you say #AllLivesMatter remember that you do not live in and therefore will never fully comprehend the reality and suffering of those who are racially and ethnically disenfranchised. You may empathise, but you will never have to face a systemic disadvantage just because of the colour of your skin. Yes, all lives do matter, but taking away the plight of black people by stomping out their cry for justice is just another manifestation of your privilege.
Concerned Human
[…] This article was originally published on Words In The Bucket. […]
[…] and sold to the highest bidder and they were actually likened unto animals. Between 1662 and 1807 Britain shipped approximately 3.1 million Africans across the Atlantic Ocean. By force, they were brought to […]
Discrimination, in all its forms is highly unattractive. It is an ugly monster which when displayed has power to spread into the hearts and minds of its victims, settling there, causing massive destruction
We like this part because is uses good descriptive language to show how horrible discrimination is.


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Games for 6 - 10yrs Snow - Fun
Make an archery target - on one side of a cardboard box draw some large concentric circles and paint them different colours.
Then put the box on a wall outside and use it for target practise for snowball fights - it is a good idea to then have a team family snowball fight! you are NEVER too grown up fo that!
Crazy golf can be played in the snow!! Make a course, you can compact the snow down for the fairway and have areas of "rough" either side.
For the hole you can sink a paper cup into the snow so when the ball rolls over it the ball falls in!
You can play Pétanque with snowballs!
This is essentially a French version of boules. Make a jack ball (small snowball) and place it on the ground. Then draw circles of increasing size around it so the little ball is in the middle - the circles don't have to be exact!
Each person then makes 5 or so snowballs of a larger size, stand a few feet back and take it in turns to throw the larger sonwballs - whoever gets closest to the small jack snowball is the winner!
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I am loving this warm weather! I always find it a little difficult to dress for work when it just starts getting warm. I'm not quite ready to break out my summer dresses, but I'm definitely ready to put away my winter tights and bulky sweaters.
Are you excited for the long weekend? I can't wait! I don't have much planned other than a few bbq's. I definitely see a lot of (much needed) rest and relaxation in my future for this weekend.
Thank you so much for reading :)
Blazer: Missguided
Top: Old, Similar Here
Pants: J. Crew
Heels: Nine West
Lipstick: Fuchsia Fusion by Revlon
Hair: "Elsa" braid - Tutorial here


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On October 31, 1967, the Queen Mary departed on her final cruise, arriving in Long Beach, California, on December 9, 1967. She has called Southern California her home ever since. The Queen Mary is now a floating Hotel, Attraction and Event & Wedding Venue, home to three world-class restaurants and an icon in Southern California.
Distance from Hotel Erwin: 28.5 miles
Recommended Mode of Travel: Driving