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Elder Brad Nielson Roundy will be returning home Nov. 7 after serving a mission for the Church of Jesus Christ of Latter-day Saints in the Brussels Belgium/Netherlands Mission.
He will be speaking in sacrament meeting on Nov. 9 at 11 a.m. at the Huntington First and Fifth Ward Building, 115 South 400 East in Huntington.
Elder Roundy's parents are Scott and Connie Roundy of Huntington. Grandmothers: Marjorie Nielson of Huntington and Glenda Roundy Konk of Delta.


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Hard coatings
Thanks to their special composition, there is no need to temper these coatings: simply melt, apply and cool directly! The end result looks like chocolate and has a chocolate taste: almost as intense and with a hard chocolate-like crack. In short, the coatings are a perfect alternative for chocolate. Ideal for dipping biscuits or confectionery.

subset: commoncrawl


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Giuseppe Zanotti Satin and Leather Slingback Sandal
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Item # 306403
With an exemplary display of high quality, Giuseppe Zanotti footwear embodies creativity and style. Step into style with this two-tone sandal that will surely make you the center of attention!
- Patent leather and satin upper
- Slingback strap with an adjustable buckle
- Round toe
- T-strap styling
- Fully lined in leather
- Leather sole
- Made in Italy
- View more Women's Giueseppe Zanotti Shoes
- Online Exclusive!
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I'm still kinda new here so I thought I should get to know everyone by asking what your favorite things are. Feel free to be as detailed (or not) as you want. Here's mine...
So what are some of your favorite things in life? (other than manga/anime)Hobby- making origami (atm)
Music- mostly rock and alternative stuff
Movies- most horror (if they're really scary) and comedies
Games- rpg games mostly
Feel free to add any more subjects!


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Comments about Men's Yakima Breaks Upland Pants:
These pants blew/open within minutes of my hunt in South Dakota. I was super disappointed in the quality.
Comments about Men's Yakima Breaks Upland Pants:
Main seam in the crotch completely tore open during the first day hunting in these pants. Extremely disappointed in the quality of this product.
Best Uses
Comments about Men's Yakima Breaks Upland Pants:
Nice pair of pants. Leg openings are kind of small though.
Comments about Men's Yakima Breaks Upland Pants:
My husband and I both bought a pair of these pants for grouse hunting in Northern Minnesota and after 3 seasons, we are still thrilled with them (I have the women's version, of course). We have used them in weather ranging from 30 to 60 degrees, drizzling and sunny, and always remark at the end of the day how glad we are to own them. They aren't "water proof" - but the cordura is in all the right places to keep your legs protected from heavy brush (and we really really bushwhack it sometimes!), as well as keep your legs dry from heavy morning dew and drizzling rain. Plus, the fabric itself is soft and comfortable. I have been thinking about buying a second pair for when these wear out, but they are holding up so well that could be a long, long time. I would not hesitate to recommend these pants to hunters. We even bought a pair for another hunter in the family last year for Christmas!
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Prada Woven Leather Flatform Moc
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Item # dsw12prod4170176
With stunning style and rich quality, Prada Sport is one of the top designer brands in fashion history. This unique woven leather flatform perfectly compliments your chic summer style.
- Woven leather upper
- Round toe
- Espadrille insole and outsole
- 1" layered outsole for a flatform design
- Synthetic sole
- Made in Spain
- View more Women's Prada Shoes
- Online Exclusive!
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While troops have been rotating through Iraq and Afghanistan for almost a decade, some veteran support groups are expecting an uptick in the need for veteran services after the last troops come home. Christopher Mcgurk of Belchertown is a veteran who now works for the "SAVE" program — a state service to help veterans reintegrate into civilian life.
"now you're going to see an influx in veterans into various systems and it's going to be a challenging time for a lot of service providers."
But aside from the services that veterans will need to get jobs, housing, and other benefits — McGurk says the troop withdrawal is also bringing up intense reflection about what the war accomplished.
"I honestly don't feel any sense of closure. I lost good friends. I spent countless hours on patrol, and honestly i wonder what it was all for. There is some sense of pride being in the military and my unit was given a mission and we accomplished it. But beyond that, now as i see the withdrawal, i said — it's about time, but it's too little, too late."
An estimated 4500 American soldiers died in Iraq since fighting began there in 2003. The Obama administration has said that troops will remain in Afghanistan until 2014.


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SHANGHAI – General Motors will introduce the award-winning Cadillac ATS compact luxury sports sedan in China in the fourth quarter of 2013. The ATS will be imported by Shanghai GM and sold at Cadillac dealers nationwide.
Developed on an all-new, lightweight rear-wheel-drive architecture, the ATS challenges the world's best premium cars with its balance of performance and refinement, wrapped in a progressive expression of Cadillac's Art & Science design philosophy. It will be targeted at young Chinese car buyers.
The ATS features the Cadillac User Experience (CUE), which merges intuitive design with auto industry-first controls and commands for information and entertainment data. Other standard features include Brembo brakes, Bose Active Noise Cancellation and eight air bags.
Advanced technologies such as Magnetic Ride Control (MRC), a mechanical limited-slip differential (LSD), the Enhanced Safety System (ESS II) and high-performance tires will be available on selected variants.
The ATS has drawn the attention of media and consumers worldwide since its debut. It was named the 2013 North American Car of the Year, received the 2013 Red Dot Design Award, was the 2013 Esquire Car of the Year and won the 2013 Automotive Excellence Award of Popular Mechanics.
General Motors traces its roots back to 1908. GM has 11 joint ventures, two wholly owned foreign enterprises and more than 58,000 employees in China. GM and its joint ventures offer the broadest lineup of vehicles and brands among automakers in China. Passenger cars and commercial vehicles are sold under the Baojun, Buick, Cadillac, Chevrolet, Jiefang, and Wuling brands. In 2014, GM sold more than 3.5 million vehicles in China. More information on General Motors in China can be found at GM Media Online.


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Catalogue Number: D86-Q2Q4
- Author: Robert Muchamore
- Format:Paperback
- Publisher:Hachette Children's Books
- Published:01 November 2012
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Product description
- Total Pages: 352
- Genre: Adventure stories (Children's Teenage)
- Illustrations: bw map
Spring, 1943. The war is turning against Germany, but Hitler isn't giving up. In a secret bunker deep in occupied France, scientists are hard at work on Hitler's latest deadly weapon: code name FZG-76. Back in England Henderson's boys will need to undergo advanced sniper training if they've any chance of infiltrating the bunker. Parachuting into occupied France, they track down a secret dossier filled with invaluable material - and uncover the meaning of the enigmatic code. For official purposes, these children do not exist.
Author's Biography
Robert Muchamore was born in Islington in 1972 and spent thirteen years working as a private investigator. He loves Arsenal and watching people fall down holes. He hates swimming and getting chased by cows. He was inspired to start writing by his nephews' complaints about the lack of anything for them to read! The CHERUB series has now become a number one bestseller in several countries. For more information, go to www.muchamore.com.


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Brittany Lynne >> See More Amateurs
Galleries in Full HD!
Galleries in Full HD!
Brittany is busy as a bee. She is a PR person, a substitute teacher and a go-go dancer. She loves to go wake boarding, snow boarding, surfing and dancing. Brittany says she is into guys with big muscles and a cute smile. Brittany says she is super outgoing and comfortable in...
Get this complete pictorial in stunning resolution & HD video! View Full Gallery!


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Sedu Pro Ionic Ceramic Tourmaline Straightener (1", 220V/240V, Plug Type E)
- Overview
- Features
- Patented Ultra Smooth 1 inch plates
- Ceramic/Tourmaline plates produces 6 times the amount of negative ions to reduce straightening time and frizz
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- includes FREE heat protective storage pouch/mat
- About the brand
Rated the Best Hair Straightener on the market and preferred by top hair stylists around the world, Sedu flat iron straightens, smoothes and tames frizzy or rebellious hair for long-lasting results. Sedu's patented ultra-smooth ceramic/tourmaline plates guarantee smooth straightening motion without pulling or breaking of hair. 1 inch plate size gives added control, ideal for short to medium hair.
This model works in the following countries:
Belgium, Benin, Burkina Faso, Burundi, Cameroon, Canary Islands, Central African Republic, Chad, Comoros, Congo, Ivory Coast, Czech Republic, Djibouti, East Timor, Equatorial Guinea, France, French Guiana, Greece, Guadeloupe, Laos, Madagascar, Mali, Martinique, Monaco, Mongolia, Morocco, Niger, Poland, Reunion Island, St. Vincent (Windward Is.), Senegal, Slovak Republic, Syria, Tahiti, Tunisia.
Model#: SU-100A / SKU: 001411
Sedu is a world-renowned beauty brand with a reputation for unsurpassed quality and reliability. Its hair styling tools have always been developed with a focus on long-term maintenance of healthy hair. Each Sedu product is designed with the professional stylist in mind and features only the essentials, striking the perfect balance between high performance and effortless results.


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|Posted by e-plumber on December 19, 2003 at 09:32:20:
|In response to Re: Installation of Laundry Tub Drain
: A Studor vent will not work, because one problem with the lower sink will be positive pressure from the water coming down the drain and Studor vents cannot relieve positive pressure.
: : : I'd like to install a laundry tub drain in my basement. Can I tap into the line that comes down from the kitchen sink above? Right now the only fixture on that stack is the kitchen sink, and it vents directly above at the roof. Pat
: : Pat,
|Replies to this post
|There are none.


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Diocese of Fort Worth Website
We've all got it wrong about women in the Catholic Church
Spreading the Gospel of Life — one prayer at a time
Mother Teresa: A saint who inspired the people of the Diocese of Fort Worth
Remembering the faithful departed
God unites baseball, priesthood in Cubs chaplain's vocation
Amid population explosion, St. Martin de Porres Parish builds a home
Vocation Day opens eyes to possibility of religious life
SEEK Conference serves as spiritual spark plug for local college students
Fort Worth Diocese celebrates installation of Dallas' new bishop
More than 170 RCIA directors, catechists come together for Diocesan Formation Day
Greed, selfishness corrupt beauty of God's creation, pope says
Supreme Court blocks Texas inmate's execution, cites racial bias
Counteract vitriol by toning it down, talking less, listening more, pope says
Refugee family now in Chicago shares experiences of fleeing persecution
At audience, pope leads prayers for migrants, trafficking victims
A cloud of witnesses cheers us on toward heaven
Called by Name: The priest is called by name to lay down his life for his friends
Why a Resolution to Pray Makes Sense
The call to respect life is everyone's responsibility
Look at the Example of St. Andrew and Walk Others Toward Christ
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Timberland Rudson Boot
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Item # 254821
Timberland knows the perfect blend of comfort, style, and functionality. You'll have it all in the Rudston Boot. This suede pull-on boot looks great when paired with your favorite fitted denim.
- Suede upper
- Round toe
- 13" shaft height, pull on
- 14" calf circumference
- 3" stacked heel
- Rubber lug sole
- Imported
By: Macdaddylonglegs
Location: Bozeman
September 29, 2013
Great height all around!
"The mid calf height of this boot is fantastic and it's not too wide around my chicken legs! I'm already six feet tall and it was wonderful to see a about with a medium heel height, Timberland had made another fabulous design with true style!"
By: rgellis
Location: Connecticut
September 20, 2013
Super nice!
"Love this boot...easy to get over jeans but not too wide to wear under boot-cut. A little hard to get your foot in at first but broke in very quickly."
By: farmerj
Location: new york
September 18, 2013
Nice boot
"The price was right on this Timberland boot so I couldn't resist. I ordered a size up to allow for heavy socks in the winter and also to accommodate my very high instep which is often a problem when I buy boots. These are comfortable, go on and off easily and look great. The color is lighter than the photo but will look great with jeans and a white sweater. I'm happy I got these boots"
By: abc1230
Location: Dallas, TX
August 16, 2013
Does NOT run small
"Other reviewers said the boot runs small and to purchase up a half size. I did not find this true. I wear a size 9.5 so I purchased a 10. My feet swim in them. I even tried an insert. Still too big. Will have to return them."
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Skechers Bobs American Flag Flat
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Item # 282416
Be a part of something bigger in this Skechers Bobs Americana-inspired flat. Not only does the American flag print kick this casual slip-on up a notch in patriotic style, Skechers will also donate a pair of shoes to a child in need when you make this flat your own.
- Stars and stripes print fabric upper
- Top elastic panel for stretch comfort fit
- Leather lined footbed
- SKX Pillow Arch® insole support
- Synthetic sole
- Imported
By: divadev
Location: Ossining, NY
June 21, 2013
cute funky shoe
"These didn't come in time for memorial day - but I did have them for Flag Day! They are absolutely adorable and very comfy - perfect for the 4th of July, or anytime you want to look your patriotic best."
By: Kimberlymcd
Location: Lexington KY
June 08, 2013
Bobs are GREAT
"Love this shoe. A girl needs to look great for Flag Day. This is how you celebrate the 4th, wearing some stars and stripes. This shoe is adorable on and has that great BOB'S fit. Super comfy and cute. I recommend. I wear an 8, sometimes 8 1/2. I order/wear 8 in Bob's and they fit perfect."
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Save up to 40%
Don't just take our word for it, see what people are saying on Trip Advisor:
'"Lovely hotel"'
Lisa C
Reviewed: 20 July 2014
'"A little gem"'
Dorothy D
Reviewed: 19 July 2014
'"Absolutely fantastic hotel, head and shoulders above the competition"'
ade b
Reviewed: 17 July 2014
Britain's favourite seaside resort is a veritable paradise of bright lights and breathtaking sights...
Today we're offering you a 2-night break for 2 including a Buck's Fizz breakfast and a bottle of Champagne on arrival for only £99, saving you up to 40% off The Fossil Tree Hotel's price of up to £185.
Exuding character, charm and a relaxed seaside ambience that money just can't buy, The Fossil Tree is our pick for a relaxing Blackpool retreat for two. Your arrival at this cosy bolthole will be welcomed with a bottle of chilled Champagne served in your sea view room, where you'll find everything from a flatscreen TV and a selection of DVDs to comfortable linens and Wi-Fi. Whilst the sumptuously soft sheets may prove hard to leave, surely a Buck's Fizz breakfast served in the hotel's elegant dining area is worth getting up for?!
Bustling, bright and unashamedly brash, Blackpool's bright lights are well worth a visit whether you're a regular or you've never had the pleasure of visiting. Tourist hotspots such as the 154m Blackpool Tower and the SEA LIFE Centre are well worth a visit, and no trip is complete without a stop-off at Pleasure Beach, where over 145 rides and attractions await. Accompany all your sight-seeing with an authentic cornet of piping hot fish and chips eaten in the sun (or rain!), and you've got the recipe for the perfect stay-cation…
The deal can also entitle you to a Wowcher Wallet Credit. Click here for more info.


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In his 13 years as head of ABC News, David Westin saw Clinton's impeachment, the contested 2000 election, 9/11, the Iraq War, and many more earth-shaking stories pass through his newsroom.
He also reflected on some personal questions as he tried to run a major news network while keeping an ethical backbone. Is it possible for journalists to be both good at their jobs and people of good moral character?
David Westin was the president of ABC News from 1997-2010. During his tenure, ABC News received 11 George Foster Peabody Awards and over 40 News and Documentary Emmys. Westin is currently the president and CEO of NewsRight, an online content-tracking and licensing company.
Speaker: David Westin
Carnegie Council for Ethics in International Affairs
Merrill House
170 East 64th Street
New York, NY 10065-7478
(212) 838-4120
(212) 752-2432 - Fax
Map: Click Here (opens a new window)
Fees for all Public Affairs Programs:
Non-members: $25 per event
Free admission for subscribers. Seating is limited and advance reservations are required. To purchase a subscription, go to Membership.
Morning Public Affairs Programs
Continental breakfast served at 8:00 AM. Presentations begin at 8:15 AM, followed by a question-and-answer session from 8:45 to 9:15 AM.
Evening Public Affairs Programs
Presentations begin at 5:30 PM, followed by a question-and-answer session at 6:00 PM and a reception from 6:30 to 7:00 PM.
ContactFor more information, email:
Click here for Live Webcast
Email a question before the event: firstname.lastname@example.com.


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Furies of Calderon (Codex Alera Series #1)
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You must be logged into Bookshare to access this title. Learn about membership options, or view our freely available titles.
- Brief Synopsis:
- Can fifteen-year-old Tavi, without any furies to help him, save the people of Alera from their enemies?
- Long Synopsis:
- For a thousand years, the people of Alera have united against the aggressive and threatening races that inhabit the world, using their unique bond with the furies - elementals of earth, air, fire, water, wood, and metal. But in the remote Calderon Valley, the boy Tavi struggles with his lack of fury-crafting. At fifteen, he has no wind fury to help him fly, no fire fury to light his lamps. Yet as the Alerans' most savage enemy - the Marat horde - returns to the Valley, Tavi's courage and resourcefulness will be a power greater than any fury, one that could turn the tides of war...
- Book Quality:
- Excellent
- Book Size:
- 506 Pages
- 9780441012688
- Publisher:
- Date of Addition:
- 09/14/08
- Copyright Date:
- 2004
- Copyrighted By:
- Jim Butcher
- Adult content:
- No
- Language:
- English
- Categories:
- Literature and Fiction, Science Fiction and Fantasy, Teens
- Submitted By:
- Donna Smith
- Proofread By:
- Shaid
- Usage Restrictions:
- This is a copyrighted book.
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Basic computer skills are needed to take the Examination. Candidates are expected to be familiar with the use of a mouse and keyboard and with basic spreadsheet and word processing functions. Candidates must also be able to use a four-function online calculator.
In order to respond to Examination questions, candidates may need to: (1) select a response from available options by clicking on a radio button; (2) perform standard financial calculations, utilizing a spreadsheet or four-function online calculator: (3) type a memorandum or letter in the written communication section of simulations; (3) perform an authoritative literature search in the research portion of simulations; (4) copy and paste text; (5) use scrollbars; (6) split the screen; (7) re-size or move windows or calculator.
Yes. The Examination is available only in a computer-based format.


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Scientific Team Leader - Unique Agency!
- Employer
- Paramount Recruitment
- Location
- London, England
- Salary
- Posted
- Nov 10, 2012
- Closes
- Dec 08, 2012
- Ref
- Contact
- Jessica Guyon
- Discipline
- Operations, Editorial
- Result Type
- Jobs
- Position Type
- Permanent
- Hours
- Full Time
Scientific Team Leader - Medical Communications - Medical Education - London
A global organisation is now looking for an experienced Scientific Team Leader/ Editorial Team Leader to oversee their talented editorial team in London. As an innovative agency, they utilise an array of unique scientific and cutting- edge technologies to ensure that they are leaders in their field. Furthermore, they are dedicated to quality and teamwork, which they believe is integral to their success.
As the Scientific Team Leader, you will be responsible for the line management of a team of Medical Writers, including mentoring the team and assisting with their development. With exceptional editing and medical writing skills; you will ensure that projects meet the client's brief and are completed to an outstanding quality. You will be responsible for the timely delivery of a wide range of medical communications projects, with a strong focus on publication plan strategy and implementation. As a senior member of the team, you will also work closely with the accounts department to help identify new business opportunities and to apply your scientific expertise at client meetings and business pitches.
To be considered for this rare opportunity, you should have significant experience within medical communications and confident in line managing and mentoring a team of medical writers. Due to the nature of the role, it is essential that you strong background in publication plan strategies, development and implementation.
If you are successful in securing this fantastic Scientific Team Leader opportunity, you will be rewarded with a highly competitive starting salary and benefits package. You will be joining an excellent organisation which prides itself on its team based approach to work, and its vibrant, but informal work environment.
If you feel that you would be a good fit for this role, please contact Jessica on 0121 616 3461.
Alternatively, do you know any friends or colleagues who may be interested in this opportunity? If so, please let get in touch as we are currently offering £250 in your choice of vouchers for all referrals successfully placed.
Keywords: Scientific Team Leader, Editorial Team Leader, Medical Writer, Medical Communications, Principal Medical Writer, Medical Education, Publication Planning, London, Publication Plans, South East.
Paramount Recruitment Limited provides services as an agency and an employment business. We regularly have similar roles in this area. Please see our website for details or send your CV in to us to find out the latest opportunities.


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Dovecraft glitter sticker packs contain a mixture of 170 intensely glittered letters, numbers and punctuation marks in 3 creative fonts, printed on a soft pliable fabric.
Contains 96 sticker packs 6 packs of black, white, gold, silver, red, blue, emerald, teal, pink, amethyst, chocolate, lilac, turquoise, dusky blue, dusky pink and charcoal colours
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This ink pad is acid free and suitable for use on any type of paper or card.
Perfect for using with embossing powders and heat tools for a premium finish.


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The Process of Creating the St. John's Bible
Our show for this week — called "Preserving Words and Worlds" — focuses on the pioneering and valiant efforts of manuscript preservation being spearheaded by the Benedictine monks of the Hill Museum & Manuscript Library at St. John's Abbey & University. The importance of the words and language of these precious handwritten texts is vital to understanding other civilizations and cultures, as Fr. Columba Stewart and Getatchew Haile point out.
But, these two scholars speak as much about the importance of the container itself. The vessel gives context to the manuscript, and to the people producing and using these texts. Elements like the type of paper used, the binding, the style of calligraphy, the marginalia, the general wear-and-tear all indicate how it was used, who used it, and, in essence, its innate value to those people using it and their ancestors.
When I think about it this way, I better understand why the same institution also commissioned a multi-million dollar project to create the first handwritten Bible since the printing press was invented. It's what they did in medieval times and that monastic legacy is being carried on today, albeit with the expedience of modern technology and communication.
Artistic efforts like these I find true and sincere, not a fancy facade masking an ordinary box. Hearkening to ancient traditions and materials, this illuminated Bible incorporates hand-ground inks and eggs and feathers and vellum with platinum, gold, and silver foils. And, being a project of the modern era, it uses computers and sophisticated software programs and broadband connection to lay out the book and communicate with a host of overseers in making everything's correct.
This short video about the St. John's Bible project is instructive, to be sure, but it also gives me insight into the magic of creating a manuscript — and the monumental task of coordinating it.


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Winter, Spring, Summer, Fall; we have all the seasons and outdoor jigsaw puzzles you are looking for. Browse from stunning landscapes and cityscapes all over the world, holiday scenes in every season and images of pets and wild animals enjoying the outdoors. Each selection in this category captures the spirit of the season you love most, in both traditional rectangle and other fun shape puzzles. Seasons and outdoor puzzles also make festive holiday gifts!
We offer jigsaw puzzle brands that make quality products; brands like Eurographics, Masterpieces, Dowdle, Cobble Hill, Holdson, Tomax, Springbok, Sunsout, and White Mountain that use great materials and sharp, colorful images.


text: The home of our first parents, Adam and Eve (Gen. 2:8–3:24; 4:16; 2 Ne. 2:19–25; Moses 3, 4; Abr. 5), designated as a garden, eastward in Eden. Adam and Eve were sent out of Eden after eating of the forbidden fruit and becoming mortal (Moses 4:29). Latter-day revelation confirms the biblical account of the Garden of Eden. It adds the important information that the garden was located on what is now the North American continent (D&C 116; 117:8).


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Records and Registration
The Office of Records and Registration is located on the first floor of the Miles W. Connor Administration Building. This office is the official record keeper for the University. It is responsible for maintaining all academic records for the University and updating and monitoring the institution's policies and procedures. The office is also responsible for the following:
- Generating official transcripts
- Generating enrollment verifications
- Coordinating the University's registration process
- Producing the University's on-line registration information booklet
- Scheduling classrooms
- Assisting students with the registration process
- Clearing students for graduation and posting degrees
- Reinstating students to the University
- Processing permissions to enroll at other institutions
- Processing challenge examinations
- Coordinating Veterans' Affairs
- Coordinating Collaborative and Inter-Institutional registration
- Notifying students of their academic progress
New Readmit Fee Notice
Effective for the Spring 2014 readmit applicants and thereafter, readmit students will be charged a non-refundable readmit fee. The fee is currently $35.00 and must be paid to the Cashier prior to submitting the readmit application to the Office of Records and Registration.


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All hauling companies that collect, transport or dispose of discarded materials (garbage, recyclables, or compostables) in unincorporated Boulder County are required to obtain a hauler license. In addition, the policy calls for Pay-As-You-Throw pricing, single-stream recycling, composting (in some neighborhoods), and annual reporting. Learn more about the ordinance
Boulder County supports your business in reducing waste by offering a coupon worth $150 towards Zero Waste services. Learn more about how to apply.


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Regulating New Banking Models that Can Bring Financial Services to All
Claire Alexandre
Bill and Melinda Gates Foundation
Ignacio Mas
Tufts University
Daniel Radcliffe
Bill and Melinda Gates Foundation
August 1, 2010
Challenge Magazine, Vol. 54, No. 3, pp. 116-134, May/June 2011
Technology, and in particular the spread of real-time communications networks, permits banks to delegate 'last mile' cash management and customer servicing functions to third-party retail outlets. By making basic deposit, withdrawal, and payment functions available securely through retail shops that exist in every village and neighborhood, there is an opportunity to dramatically increase the physical footprint of banks and to transform the basic economics of low-balance savings. Banking regulations need to be adapted to these new possibilities of banking beyond bank branches. We highlight five areas where sharpened regulatory analysis would help strike a better balance between maximizing the opportunities of these models and containing risks: (i) branching regulations which distinguish between pure transactional outlets and full service bank branches; (ii) regulations which permit banks to engage third-party retail outlets with minimal financial risks for both banks and their customers; (iii) consumer protection regulations that help customers understand and act upon their rights in a more complex service delivery chain, without burdening banks with unnecessary provisions; (iv) tiered know-your-customer (KYC) regulations that permit immediate account opening with minimum barriers for poor people, with a progressive tightening of KYC as their usage of financial services grows; and (v) creating regulatory space for a class of non-bank e-money issuers authorized to raise deposits and process payments, but not to intermediate funds.
Number of Pages in PDF File: 19
Date posted: August 26, 2010 ; Last revised: May 21, 2011
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What are the measurements of the canopy for this Uttermost traditional Billiard light?
The canopy for Model UM-21009 Kitchen Island / Billiard Light is 4 1/2" in width 11" in length and 1" in depth.


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Retailers don't understand how to apply it to their businesses, a study says.
Amy Dusto
While 80% of retailers say they've heard of "big data," only 47% say they understand how to apply it to their business, according to a survey by retail research firm Edgell Knowledge Network.
The market research firm arrived at its findings by interviewing 75 North American retail executives. It also studied the data analysis practices of 100 other retailers and big data service providers to create its summer 2012 "Big Data in Retail" report.
Edgell defines big data as a set of data that has become too large and complex for standard computing tools to capture, store and manage. For example, the billions of Likes, comments and other interactions on social media networks alone require many servers and sophisticated software to process all that data. Big data takes into account two types of data: structured and unstructured. Structured data refers to data that fit easily into existing databases, such as transactions, conversions or other numeric values. Unstructured data is more amorphous—like the text in a Tweet or the content of an audio or video file—and needs to be somehow standardized and ordered before it can be analyzed.
57% of survey respondents say they have or are planning a big data strategy for their business and 30% say they've already completed a big data project. Online retailers have an advantage when it comes to acting on big data, says Edgell research director Gaurav Pant. That's because e-retailers often are more nimble at changing things on the fly—for example, product pricing or the terms of loyalty programs.
46% of retailers in the survey say the volume of data with which they must contend is the biggest challenge in dealing with big data, 34% say managing data variety—both structured and unstructured data—is the top challenge and 20% say handling the data's velocity, or the frequency at which it is generated and captured, is hardest.
Based on the report, Pant advises retailers to focus on three key areas where big data analytics can be applied to their businesses. The first is to optimize pricing with computer algorithms that compare the cost of items at many e-commerce sites, then automatically adjust one's own prices to be the lowest. The second area is micro-segmentation, which refers to creating new customer groups based on previously untapped categories—for example, the followers of an influential Pinterest user. The last is marketing, which can be better targeted and personalized the more data a retailer uses to serve up products and advertising to individual consumers.
These strategies aren't just for big businesses, Pant says. Advances in technology, especially those using a software-as-a-service model—for which retailers pay a monthly subscription fee to access software hosted on vendors' servers over the Internet without needing to invest in hardware and software licenses themselves—is lowering the price and staffing requirements for all retailers to do big data analyses. Outdoor gear and apparel retailer Moosejaw Mountaineering is a leader among small retailers using big data, especially from social media, to improve business, he says.
The growing speed and amount of access to consumer information will soon spark a widespread organizational change for all business executives in retail, says Dave Weinand, vice president of retail at Edgell Knowledge Network. "I hear this all the time from retailers I talk to: It's really hard to find people who can analyze this data in a quantifiable way," Weinand says. And those people need to work on the marketing and management sides of the business too, not just in information technology, he adds.


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Gordon SinclairRadio Personality
Born: 3 June 1900
Died: 17 May 1984 (heart attack)
Birthplace: Toronto, Ontario, Canada
Best known as: Creator of the famous "Americans" broadcast
Gordon Sinclair was a colorful figure in 20th-century Canadian radio journalism. For over 40 years he produced a daily radio series called "Let's Be Personal;" he gained a reputation for "telling it like it is" and became a familiar figure to millions of listeners. Sinclair is especially remembered for a broadcast he made praising the United States on June 5, 1973. The text of that broadcast, known as "The Americans," has been widely circulated on the Internet, particularly after the air attacks on the World Trade Center and the Pentagon in September of 2001.
Copyright © 1998-2017 by Who2?, LLC. All rights reserved.


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For International Students
The Marvin K Peterson Library welcomes the over 700 international students who are studying at the University of New Haven. This section of our website gives you an overview of library resources and services available to you as an international student here.
Link to URL:
Release Date:7/3/2012 9:00 AM


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Safest Elmhurst Neighborhoods
With a crime rate for both violent and property crime combined of 11 per 1,000 residents, the crime rate in Elmhurst is one of the lower rates in America among communities of all sizes (lower than 66% of America's communities). One's chance of becoming a victim of crime in Elmhurst is one in 92. Compared to communities within Illinois, Elmhurst's crime rate is lower than nearly 52% of the state's cities and towns. It is for these reasons that Elmhurst is ranked as one of the top 100 safest cities in the U.S.A.
Compared to other communities of similar population size, Elmhurst has a crime rate that is noticeably lower than the average. This means that for comparably sized cities all across America, Elmhurst is actually safer than most according to NeighborhoodScout's exclusive analysis of FBI crime data.
The crime data that NeighborhoodScout used for this analysis are the seven offenses from the uniform crime reports, collected by the FBI from 18,000 local law enforcement agencies, and include both violent and property crimes, combined.
Now let us turn to take a look at how Elmhurst does for violent crimes specifically, and then how it does for property crimes. This is important because the overall crime rate can be further illuminated by understanding if violent crime or property crimes (or both) are the major contributors to the general rate of crime in Elmhurst.
For Elmhurst, NeighborhoodScout found that the violent crime rate is well below the national average for all communities of all population sizes. Violent crimes such as assault, rape, murder and armed robbery happen less often in Elmhurst than in most of America. One's chance of becoming a victim of a violent crime here is one in 3535, which is a violent crime rate of 0 per one thousand inhabitants.
NeighborhoodScout's analysis of property crime reveals that the property crime rate in Elmhurst is below average to all cities and towns in the nation. This means that you are less likely to become a victim of arson, motor vehicle theft, larceny, or burglary in Elmhurst than in most communities in America. Your chance of becoming a victim of property crime if you live here? Just one in 94.
Elmhurst Annual Crimes
National Median
My chances of becoming a victim
in Elmhurst
1 in 3535
in Illinois
1 in 261
National Median
in Elmhurst
1 in 94
in Illinois
1 in 50
National Median
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How to Annoy Me
Come within 20 feet of me after consuming a Budweiser Beer. You can't hold me responsible for the vomit on your shoes.
How to Charm Me
Ask me with genuine 5-yr old concern why my dog's "front bottom" is pink and sticking out.
Beth Gibbons & Rustin Man: Out of Season
How crazy would I have to make my signature before someone would actually notice?
Feeling Guilty
For getting into my car and driving to the grocery store just to buy a box of cake batter.
It's officially time to break out the Utah Baby Namer.
Eat Your Heart Out, Trading Spaces
Our guest room redecorated for under $300, with the kind assistance of Super Target and my mom. Too bad it's only going to look like this for 7 more months.


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The Vaughn Velocity V6 1100 Goalie Leg Pads offer professional level protection and lightweight performance for the Hybrid or Butterfly goaltender, at an amazing price. The V6 1100 leg pads have a brand new Pro Core inner foam technology throughout that greatly reduces pad shrinkage that occurs over time and helps maximize blocking surface.
The V6 1100 leg pads are constructed using extremely high quality materials like a new Pro Core inner foam. The Pro Core inner foam technology is an innovative new design that greatly increases the performance and life of the pad by packing it with ultra high density foam. All pads shrink over time with consistent use, but this ultra high density foam helps keep the shape of the pad like new for much longer. The face, inner, and outer rolls are covered in high quality synthetic leather, able to withstand constant abuse. The outer edge of the pad is covered in a nylon material keeping the pad as lightweight as possible.
The Velocity 1100 leg pads use a flat faced design that produces more predictable rebounds to help deflect the pucks away from the goal with control. The leg pads have one visible break below the knee in the outer roll that increases flexibility while also keeping the thigh rise rigid for maximum cover when butterflying. Protecting the upper thigh and knee areas is a molded lightweight thigh guard and knee cap, adjustable with elastic strap. The knee cradle is larger than previous models, extending onto the inner landing area to ensure better balance when dropping into the butterfly. One large high density foam knee stack keeps your knee elevated above the playing surface while in the butterfly position. Protecting the lower leg is the 3 piece calf wrapping system made from medium density foams wrapped in nylon. The inner edge balance stabilizer with wide profile helps keep your balance when flush against the playing surface. The V6 1100 leg pad has 5 leather straps, one on the boot, three over the calf and one on the thigh.
The Velocity V6 1100 leg pads are professional quality, and at almost half the cost of most other top of the line pads.
- Model Number: VPG1100
- Heritage: V5 7490
- Level of Play: (Senior)
- Roller: Intermediate -> Professional
- Ice: Intermediate -> Professional
- Playing Style: Hybrid or Butterfly
Don't see the size and/or color that you want? Send us an email at email@example.com or call 1-800-366-3070 to inquire about it!
- Exterior:
- High quality synthetic leathers used in the face of the pads
- V6 graphics
- Top and bottom wear trim
- Reduces fraying
- Protection:
- Over squared inner thigh rise
- Better five hole coverage and protection
- Stiff high density foams used to provide pro level protection
- Face:
- Flat face design
- Internal ultra high density foam Pro core
- Outer Roll:
- One break in outer roll below knee
- Added flexibility while keeping upper portion rigid for maximum blocking
- Break in boot
- Flexible boot allows more powerful load up and pushes
- Inner Roll:
- Wide inside edge provides increased pad control and balance when positioned on the playing surface and allows for faster more controlled movements
- Inner edge balance stabilizer ensures proper pad placement while on the playing surface, added stability and tight seal for added coverage.
- Thigh Guard:
- Large thigh guard
- Full knee cap protection
- One elastic strap
- Soft and medium density foams
- Mesh liner for breathability, nylon outer material for durability
- Knee Cradle:
- Large knee cradle extended on inner landing area
- Greater pad control and quick pad rotation
- Dual elastic straps
- Knee Stack:
- One large piece knee stack
- Combines foam knee block into one large design that fits more ergonomically with the knee cradle
- More consistent when dropping to the butterfly
- Elastic strap holds knee stack in place
- Calf Wrap:
- 4-piece calf wrap design
- Large outer and inner calf wraps
- Protects the inner calf on the playing surface while in the butterfly position and outer calf when hugging post
- Medium density foam outer calf wrap for added protection.
- Leg Channel:
- Wide leg channel design
- Better mobility and rotation
- Soft foams for comfort and impact absorption
- Boot Channel:
- Smooth style instep and sliding toe skate system
- Allows faster pad positioning into the butterfly
- Straps:
- One elastic loop strap on extended upper thigh guard
- 2 elastic velcro straps on the inner knee stack
- One leather strap around the thigh and knee
- Three leather straps over calf
- One adjustable leather boot strap
- Toe bridge with laces to secure the fit around the skate
- NHL™ Legal Size Pad
- Note:
- +2" Sizing is standard on the Velocity V6 1100
- Weight:
Other Items to Consider
Similar Items
Vaughn Butterfly Goalie Leg Pads
The Vaughn Velocity 7 XR Pro Goalie Leg Pads provide professional level performance and protection at a fantastic price.Colors: 4
The Vaughn Velocity 7 XR Goalie Leg Pads provide advanced level performance and protection by utilizing the same construction and similar materials found on the senior pro version.Colors: 4
The Vaughn Ventus LT98 Goalie Leg Pads have a great new design for 2015, while still offering the excellent rigid construction that the Ventus line is known for. With the addition of a brand new integrated knee and thigh protector and an upgraded internal core that has full carbon fiber construction, the LT98 is lighter and performs at an ever higher level than its predecessor.Colors: 1
The Vaughn Ventus LT88 Goalie Leg Pads have a very light weight design and provide excellent performance and protection up to the advanced level of play. The LT88 leg pads feature a single break below the knee that is designed specifically to give goaltenders more mobility without sacrificing 5-hole coverage.Colors: 4
The Vaughn Ventus LT90 Goalie Leg Pad is extremely light weight, providing superior pad balance and control for professional level performance. The LT90 Ventus leg pad is built to Pro-Spec requirements meeting all NHL sizing guidelines.Colors: 1


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A Standing Ovation
Cora Christensen describes her care at The Nebraska Medical Center like that of a well-rehearsed symphony — a welcome relief when much of her health over the past 30 years has been more like an opera with its share of tragic moments.
Having the right care in competent and experienced hands not only saved her life but has given her a sense of peace and harmony. "It's so much more fun being alive now that I know I have a team of doctors who can take care of me if something goes wrong," says the 60-year-old Christensen. "I'm not scared anymore."
Scene 1 of Christensen's story begins at age 33 when she was diagnosed with familial cardiomyopathy. A condition characterized by thickening of the heart muscle, this can impede blood flow and worsen with age, leading to a host of problems including arrhythmia, shortness of breath, dizziness, fatigue and heart failure. For some 15 years, Christensen treated the condition with medications.
By the time Christensen had reached her late 40s, the drama began to unfold. She started to experience fatigue, occasional dizziness and arrhythmia. The arrhythmias became more frequent and, at age 53, Christensen underwent surgery to have an implantable cardioverter defibrillator (ICD), a device that continuously monitors your heart. If it detects a life-threatening rapid heart rhythm, it sends an electric shock to your heart to restore a normal rhythm. Although the ICD did its job, saving Christensen from serious arrhythmias in numerous instances, Christensen's condition continued to worsen.
The arrhythmias became more severe and bouts of dizziness, shortness of breath and fainting spells made it difficult to work. A teacher at Metropolitan Community College, she eventually had to quit. At the same time, Christensen was also going to school to get her master's degree, a goal she refused to give up on.
Then she had a heart attack. Subsequent tests showed her heart was barely functioning. Her doctors sent her to The Nebraska Medical Center's Heart Failure Clinic where she was diagnosed with end-of-life-cardiac failure. "I was barely cognitive," recalls Christensen. "They said my ejection fraction was only 7 percent."
Christensen was admitted to The Nebraska Medical Center and was told that she had to regain her health before she could become a candidate for a left ventricular assist device (LVAD), a battery-operated mechanical assist device that is surgically attached to the heart to help maintain the heart's pumping ability. Within six weeks, an LVAD was implanted and in March of 2010 an LVAD had taken over the job of her weakened heart.
By this time, Christensen had completed her master's degree and was teaching online courses at Bellevue University. Christensen says the difference in her ability to function after she received the LVAD was like night and day. "It was amazing," she says. "I was getting oxygen to the brain again. I felt like I got more done in the first six months after the surgery than I had in the last 10 years."
Within two months after surgery, Christensen was able to return to teaching. During the spring of 2012, misfortune struck Christensen again when she fell and injured her knee. She tried various medications and cortisone shots but nothing seemed to help. Desperate for relief, she agreed to have arthroscopic surgery, a minimally invasive procedure that allows doctors to look inside the joint and repair any damage.
After the procedure, her doctor said her knee was severely arthritic and bone was rubbing on bone. What she really needed was a total knee replacement.
The pain was excruciating. "I couldn't put any weight on it," she recalls. "And if I did, my knee would automatically collapse."
Christensen knew that total knee replacement surgery was the only thing that was going to give her relief and allow her to be mobile again but, with her LVAD and history of heart disease, she was told it was a surgery most doctors would not attempt.
Then Christensen was referred to Curtis Hartman, MD, an orthopaedic surgeon at The Nebraska Medical Center. Dr. Hartman had performed orthopaedic surgeries on several cardiac patients before Christensen in collaboration with the cardiac anesthesiology team at The Nebraska Medical Center. He says that he had full confidence that he would be able to perform the surgery safely under the watchful eye of the cardiac anesthesiology team.
Cardiac anesthesiologists have specialized training in monitoring the function of the heart during surgery, using advanced cardiac monitoring tools called transesophageal echocardiography (TEE) and transthoracic echocardiography (TTE). These tools allow them to measure the function of the heart and gives them direct visualization of the chambers of the heart, its valves and the major connecting vessels and veins that supply blood to the heart. While many large medical centers have a cardiac anesthesiology program that provides monitoring of patients during cardiac surgery, few in the country have cardiac anesthesiologists who also monitor cardiac patients during noncardiac related procedures.
"The use of echo in noncardiac cases is a new phenomenon that is state-of-the-art," says Sasha Shillcutt, MD, cardiac anesthesiologist and director of Perioperative Echocardiography, at the University of Nebraska Medical Center (UNMC). "This is a very unique service that no one else offers in the state and fulfills a critical need for the safety of these patients. Without our expertise in TEE, most non-cardiac surgeons would otherwise not perform surgery on these types of patients simply because it is too risky."
An assistant professor of Anesthesiology at UNMC, Dr. Shillcutt joined the staff in 2007. She received her medical degree from UNMC where she also completed an internship in internal medicine and residency in anesthesiology. She completed an executive fellowship in perioperative echocardiography at the University of Utah Medical Center in Salt Lake City, specializing in both TEE and TTE.
The Perioperative Echocardiography Consult Service includes a team of eight cardiac anesthesiologists who are trained in advanced TEE and TTE. It also includes four other anesthesiologists who are trained in basic echocardiography and use their skills in trauma patients, liver transplants, vascular surgery and critical care medicine. Under Dr. Shillcutt, the department also leads a national perioperative echocardiography training program that prepares physicians across the country in basic and advanced perioperative echocardiography. It is one of a few training programs in the country.
"All of our training is focused on getting a patient through surgery and out of the hospital without having a major cardiac event," explains Dr. Shillcutt.
"The risk of having a cardiac event after surgery for patients with prior heart disease increases to 10 to 25 percent.
"Surgery is a very stressful event on the body. Even in a healthy individual the body would not be able to withstand the stress of surgery without anesthesia. When you take someone into surgery who already has had heart-related complications, the stress on the heart and potential risks are much more significant. The heart affects every organ of the body. The heart has to be working properly for everything else to work."
Dr. Shillcutt describes the role of the anesthesiologist as the guardian angel of the OR. "It is our role to keep the patient alive," she says. "We monitor the function of all of the organs so they don't shut down. We administer fluids and extra blood to reduce stress on the organs, help maintain proper blood pressure and administer the proper amounts of narcotics and anesthetics to mask the pain and provide amnesia during surgery. And for cardiac patients, we monitor the function of the heart very closely.
"Using echocardiography in patients with heart disease undergoing major noncardiac surgery only makes sense to improve outcomes. We have diagnosed blood clots, heart failure and holes in the heart during noncardiac surgery. These are patients who might not have made it through surgery had we not been there and had the technology and experience to detect these problems."
"We're very fortunate to have this service offered to our patients," says Dr. Hartman. "With Christensen's LVAD and history of heart disease, no one else in the state would have touched this surgery. But I knew a knee replacement was very important to Cora if she ever wanted to be mobile again. I would not have performed the procedure without the presence of the cardiac anesthesiology team. The expertise and skills they bring to the operating room are invaluable. I'm quite sure one of my patients would have died on the operating table had it not been for the skills of our cardiac anesthesiology team. Today, that patient is alive because I was able to provide him a total hip replacement and our Heart Failure team was able to put him on the waiting list for a heart transplant."
The care in the operating room is backed by a team of critical care physicians, the state's only certified heart failure team, cardiologists and other specialists who are trained to provide follow-up intensive care after surgery. "It's an excellent example of a multispecialty group of doctors working together to provide the best care for each patient," says Dr. Shillcutt.
Christensen knew she was in good hands as soon as she came to The Nebraska Medical Center. "I remember going to the ER at another hospital after I had my LVAD," recalls Christensen. "The ER doctor told me, 'We don't know how to take care of you. Please don't come back.' I never have. Now I wouldn't go anywhere else but The Nebraska Medical Center, even if I didn't have an LVAD."
Before her knee surgery, Dr. Shillcutt came and talked to Christensen about the surgery. "She explained to me what she was able to do during surgery to ensure I made it through safely," says Christensen. "It was such a relief knowing that there was going to be someone there monitoring me who knew what she was doing. It gave me so much confidence."
Confidence in her care is something Christensen said she had not had before she came to The Nebraska Medical Center. "The doctors were always in contact with each other," she says. "The way they all worked together was like a symphony. I would have about five different doctors seeing me. They would all meet together and discuss my case so they all knew what the others were doing and what the game plan was. It was like a medical pow wow. It wasn't like that at all before I came here."
The ability to have total knee replacement surgery has allowed Christensen to get her life back again. "I went from barely being able to walk with a walker to doing my own grocery shopping again," she says.
"It's scary to think you can't have things fixed because you have so many things wrong with you. The confidence they have given me has been the difference between 'I'm not going to make it to I'm going to be fine.'"
After the knee replacement surgery, Christensen gave up teaching to focus on rehabilitation and getting healthy again. She replaced teaching with her talent for crafts. She now makes doll clothes and jewelry and sells them at craft shows and through personal requests.
In what Christensen hopes will be her last "curtain call," she says, "I'm back to being Cora again. I'm going to be around for another 20 years." Words that Christensen couldn't say with confidence several years ago.
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Brought to you by Steve Strauss
July 2011
Location, Location, Location
Recently, I had to move locations for my business and although it was not a fun experience, it was a profitable one. The lease in our old offices was running out and the landlord wanted to raise my rent. I explained that in this economy that was not a good idea. He didn't care.
But someone else did - a new landlord. I began to look around and found better digs at a better price, and with a landlord who was happy to have my business. He offered me a much better deal. My offices are now in a great part of town and everyone is happier.
Except, of course, my stubborn old landlord.
In this blog and the next few, I want to talk about how to secure a great location for your business, and by great, I mean anything - a great space, a great price, great signage - whatever great may mean to you.
And it is true that "great" can mean many different things. For instance, not all businesses need a great location; having affordable rent is greater. Conversely, retail businesses need to be in an area where there is a lot of walk-by or drive-by traffic - that's what makes them great - and as such, rental prices may be further down on the list. The Old Spaghetti Factory always seems to have its locations near a railroad, and you can bet one reason is because they pay much less for those properties. So there are many things to consider.
What to look for in a business location: When selecting a location, first and foremost, you must determine how important foot and car traffic will be to your business. A high profile location is important when impulse buying is part of your plan. Thus, a gas station needs a great location with a lot of traffic; a dentist does not.
Indeed, an out-of-the-way location can be a great choice for many businesses. Opening in a redeveloping urban area, for example, may allow you to benefit from tax breaks, or a grateful consumer base. Generally, if you are selling commonplace items (food, groceries, clothes, etc.) location is probably more important to you. If you are selling services, or specialized products, location should probably be less of a concern.
There are many different sorts of locations that may have all of these questions already answered, such as shopping centers. While a shopping center or mall's can be a great spot for many businesses, you must weigh the benefits against the high cost of doing business in that location. Make sure you will be able to make a profit.
And what about your employees? What do they need from where they work? My friends here at Greatland for instance are in the business of making life easier for small business, and as a small business owner, that's what you need to think about too. Being a great employer allows you to attract the best possible employees, and that in turn can set your business apart.
So when it comes to locations insofar as your staff goes, there is actually a lot to consider. Among other things, you will want to make sure that there is adequate cell phone coverage in the area and that they have access to other necessary services. Other things to consider are:
- Does the building have adequate restroom facilities and break rooms?
- Can employees and suppliers get there easily?
- Is there a shipping and receiving area?
- Is there enough work space, phone jacks and electrical outlets for everyone?
- Where will the crew go for lunch?
- Does the facility comply with the Americans with Disabilities Act?
- Is there room to expand if your business grows?
And what if yours is going to be a professional office? One smart option is an executive suite. Executive suites are small office spaces in office buildings that individuals or small companies can rent. Typically, each tenant has an individual office and shares the services of the executive suite's receptionist and use of the suite's joint conference room, copier, postage machine and other office equipment. All in all, it's a pretty good deal.
Bottom line: Too often small business people make their location decision based mostly on the cost of rent, and that's the mistake. The needs of your staff and customers must weigh in equally as much.
Next week we will look at the specific things to consider when choosing a location.
Specific Location Considerations
Down the street from me there is a building that has been, in the past two years
- A sushi bar
- A French bistro
- A coffee joint, and
- A taqueria
I would bet that the different entrepreneurs who opened these ventures thought they were getting a steal on the rent in this location, but the fact is, some locations are, shall we say, jinxed? You know the ones - no matter what business moves into that location, it seems to last for a few months before closing up shop. You must avoid these locations, as, no matter what you do, the local clientele will already have preconceived notions about your business. It doesn't matter how low the rent is, it's still a bum deal.
Last week in this space, I discussed some general consideration that a business must take into account when choosing a location, above and beyond the rent. This week I want to drill down a little more and look at the specific things you want to consider when looking at various locations for your business:
- Population and Demographics: Will there be enough people to support the business? What has been the reaction and fate of similar businesses in the area?
- Traffic. You want the site to be near some centers of activity. My father owned a chain of carpet stores when I was growing up, and he loved to be across the street from malls. He figured that he got the benefit of the mall's advertising and traffic, but without the high rent of actually being in the mall. Is there public transportation nearby?
- Competition. Where is your competition located? Fast-food restaurants often like being bunched together, but print shops usually like to be the only one in the neighborhood. Are there too many competitors nearby?
- Visibility. Make sure your potential location is visible from major roads.
- Signs. You need to be sure that there are no restrictions in the lease or the law that will limit your ability to post adequate signs for your new business.
- Zoning. The spot, obliviously, needs to be zoned for your type of business (see below.)
- Appearance. Is there adequate parking? Is there a bathroom for the public? Make sure the place is landscaped well, has adequate outdoor lighting, and has appropriate businesses nearby.
- Interior Design. A well-designed display of merchandise can make shopping easier for the customer and boost sales. So be sure to review the flow of customer traffic. A free-flowing pattern has better visual appeal and allows customers to move around, while aisles offer better merchandise presentation.
- Rent: Of course rent is important, but the takeaway is that you want to avoid picking a location simply because the rent is cheap; that should not be your main consideration. While keeping your overhead low is indeed a key to success in business a cheap, bad location is similarly a key to failure.
Legal Considerations When Choosing Your Location
Back when I practiced law full time (before I came to my senses!) I had a client come into my office with one complaint: He wanted to get out of his lease. It turns out that the poor guy signed a five year lease for a burger joint and the only way he could make ends meet was to close on weekends and work the festival circuit. So he was essentially working seven days a week in order to break even.
Unfortunately, I couldn't really help him much. Most leases are drawn up by the landlord's lawyer for the landlord's benefit and that was the case here. It was airtight. My client was stuck for another year and a half and there was nothing he could do about it.
So what I want to do in this blog and the next is help you avoid that unenviable fate. This week we will look at important legal considerations in a lease and next week we will examine how to get the best deal possible.
Here's what to be aware of:
Length: You want the term long enough to establish your business, but not so long that you are locked in if your venture doesn't work out. A year or two, with an option or two for a renewal is usually a good idea.
What's included? Consider
- Square footage. Most commercial office or retail space is quoted by square foot per year. So a 1,000 square foot retail space with an asking price of $15 per square foot would cost $15,000 per year, or $1,250 per month.
- Net or gross? A "triple net lease" is one where the renter pays, in addition to rent, all operating expenses too. So, with a triple-net lease, you must be very clear about what is, and is not, included.
- Utilities: Under some leases, the tenant is required to purchase the utilities from the landlord. If so, be sure that the lease grants you the right to audit your utility bill.
Zoning: Cities usually zone buildings and areas into residential, commercial, industrial, and mixed-use areas. You must be sure that the location you want is zoned appropriately for the business you want to start. Check with your city before signing any contract. Luckily, even if it's not zoned as you want, it is possible to get a "variance" from the city. A variance is as the name suggests, a change in the normal rules. Your lawyer can help with this.
City or county restrictions: Find out if there are other legal restrictions that may affect your business. For example, some municipalities limit the number of certain types of business, such as cafes or fast food franchises, to certain areas. Other restrictions may include that your business provide off-street parking, or close at a certain time, or limit the size and type of signs you may have, etc. Your city should have a business development office that can answer these sorts of questions.
Contract restrictions: In malls and other retail complexes, the lease or CC&Rs may limit what you can do. For example, in a certain shopping centers, there may be a limit of no more than one news kiosk, or two burger joints.
Yes, considering and researching the legal intricacies of your location and lease can be a lot of work, but it beats walking into a lawyer's office in two years, looking for help on how to get out of that bum lease you signed.
Getting the Best Deal You Can On a Lease
Last week I shared the story of an old law client of mine who got in way over his head with a bad lease. It nearly led him to bankruptcy. A main reason that he was in trouble was that he signed the "standard lease" that was presented to him by the landlord. He was told that this was the same lease that all of the landlord's tenants signed and that was that. So he signed.
Huge mistake.
Leases are also called "agreements" for a reason. Both sides must agree to all lease terms. Sure it may look standardized, intimidating even, but the fact is, if you are negotiating lease terms with a landlord, you are a hot property. Finding qualified commercial tenants these days is no easy task, and with vacancy rates in many areas still very high, potential tenants are gold.
The upshot is that the lease is probably far more negotiable than you think it is. Yes, some things won't be negotiable, but many are, including:
- The amount of rent
- Getting a few months free when you move in
- Improvements before and during the term
- The length of the lease
- Limiting rent increases
- Common area upkeep
As you can see, I am suggesting that most parts of the lease are quite negotiable and can be negotiated in your favor. So how do you do that?
Get a lawyer.
Look, I usually like to tell people that they often do not need a lawyer because, well, they don't. With simple documents and matters, hiring a lawyer is definitely not always necessary.
But in this case, I think it is. Hiring a lawyer when renting new space serves two vital purposes:
- It forces the landlord to take you more seriously. The landlord will be far less likely to try and get one past you if he or she knows you are represented by counsel.
- You will get a better deal. Lawyers negotiate for a living and it is probably safe to say that you do not. So bringing in a pro helps. Additionally, there are clauses and "magic words" in a typical lease that may get past you – it is not that you are dumb, it is just that there are terms that seem begnin and are really not. Your lawyer will know what these are and know what to do with them.
Yes, hiring an attorney will cost you some dough, but it should be well worth it. You will probably save that amount in first few months of your sweet new deal.
Negotiating a lease with a landlord is not all that different than negotiating the purchase of a car. The important thing is to know what you want going into the deal and to remember the rule: Everything is negotiable. The lease you are given is simply a starting point.
Indeed, if you are at the stage where you are negotiating over lease terms, then you have become a valuable commodity to the landlord. Finding qualified businesses that are willing and able to take on a commercial lease payment is not so simple. Accordingly, you may be in the power position when negotiating a lease and can ask the landlord for concessions and changes to the lease, as necessary.
You do so by doing your homework first. Find out how much similar spaces are renting for. Is the vacancy rate high or low in this area? (If it's high, you can negotiate a great deal because the landlord needs you.) If the space is vacant, find out how long it has been vacant (the longer the better for you). The more you know, the better equipped you will be to negotiate a good deal.
Once you are presented with the lease, read it carefully, and then give it to your lawyer for review. If you find some part of the lease that you or your lawyers don't like, negotiate that point. Remember that the lease was drawn up by your potential landlord's lawyer and will certainly favor your landlord. Remember too that although you might be presented with a pre-printed lease, and that it may seem difficult to change, it is nothing more than a contract, and the essence of contract law is that both sides must agree to all conditions. That, in fact, is why a contract is also called an agreement. If you don't agree, it can be changed.
Above all, try and cultivate a good working relationship with your landlord. That will go farther towards working out problems than a dozen letters from your lawyer.


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"The WOSB Advantage"– A Guide to the Women Owned Small Business Program is an online training program developed by the U.S. Small Business Administration (SBA) and featured both in SBA's Government Contracting Classroom (www.sba.gov/gcclassroom) and on SBA's Women Owned Businesses webpage (http://www.sba.gov/content/women-owned-businesses).
The self-paced online module, which runs about 22 minutes, is designed to encourage and help women entrepreneurs take advantage of the new Women Owned Small Business (WOSB) Program. It includes a comprehensive overview of the program; instructions on how to self-certify or engage a third party certifier; and, an extensive menu of resources, including live links to all applicable forms and websites.
"The WOSB Advantage" is one of several training courses featured in the Government Contracting Classroom and is designed to help increase contract opportunities for women owned small businesses.
Learn More: http://www.sba.gov/gcclassroom
Tags: Sales, Startup, Established, No Employees, Small/Medium (1-500 employees)
Click here to suggest additional keyword tags


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In a typical Business to Business (B2B) scenario, Account represents a Company or a Department within the company, with which your organization is currently doing business with or is planning to do business with in the future. An account stores the company address, number of employees, annual revenue, and other details.
You can associate an account with contacts (persons) within the company and the potentials (business opportunities) during pre-sales. After successful completion of the sale, you can also provide Customer Support & Service through Zoho CRM - Case Management.
Profile Permission Required: Access to the Accounts Tab that includes View, Create, Edit, Share and Delete permissions.
Click the Accounts tab to view the Accounts Home page and perform the following operations:
Create Accounts | Associate Accounts | Manage Member Accounts | Managing List View | Standard Fields


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10 Scenes From Black Hat 2016 That Show Security Is Red Hot
From wild and wacky to serious commentary on the state of the security industry, here are 10 sights that stood out from the Black Hat 2016 show floor this year.
2017 Channel Chiefs: 15 Innovative Partner Program Updates
CRN asked the 2017 Channel Chiefs honorees to shed some light on the most innovative initiatives their companies rolled out for partners over the last 12 months.
CRN Exclusive: HP CEO Dion Weisler On Taking Share From Competitors, Why HP Is 'Innovating Like Crazy' And What He Thinks Of President Trump's New Immigration Order
HP CEO Dion Weisler spoke with CRN about the company's 10 percent personal systems sales growth in the first quarter, why you can't cut your way to glory and his take on President Donald Trump's new immigration order.
10 Sights And Scenes From The 2017 RSA Conference
Conferences always bring out the weird and wacky in our favorite technology vendors – especially when it comes to security. Take a look at some of the sights and scenes from the 2017 RSA Conference.
2017 Channel Chiefs
Check out the 2017 Channel Chiefs, CRN's annual list of the top channel execs, sortable by name or company.


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He studied psychology at Metropolitan State University in Denver and was certified through the University of Indiana in fundraising management.
John served for 12 years in the Coast Guard; at 24, he was the youngest person in any branch of the service ever to make the rank of Chief. He was a lifetime member of Disabled American Veterans.
Active in the Brush community, he served as assistant to the Administrator of East Morgan County Hospital and was Executive Director of the EMCH Foundation. John was also active with East Morgan County Library, Build a Generation, Brush Rotary, the Brush Area Chamber of Commerce, Morgan County Area Arts Council and a partnership program at Brush High School.
He started and was in charge of a Bolivia insulin program and lead a group study exchange to Ecuador through Rotary. Stafford also wrote for The Fort Morgan Times and the Brush News-Tribune.
John is survived by his wife, Linda Stafford; sister, Cathy Vigil of Brighton; daughter, Corrie Martinez of Morrison; son, John Kelly Richardson of Denver; and three stepchildren, Brian of Wasilla, Alaska, Lori of Oceanside, Calif., and LeAnn of Imperial Beach, Calif.; and by 17 grandchildren.
There will be a celebration of life and potluck at the Carroll Building in Brush from noon to 6 p.m. on Sunday, Oct. 14.


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High Speed Integrated Circuits
Course Description
Properties and models of silicon MOS and gallium-arsenide (GaAs) transistors. Bias circuits, active loads, constant current and voltage sources. Feedback and high speed amplifiers, high frequency and dynamic range amplifiers. LC and ring oscillators. Frequency dividers. Measurement of frequency and dynamic characteristics. Layout design rules, design verification. Design of a simple analogue or digital integrated circuit.
Lecturers in Charge
Grading System


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IntroductionMacedonia (măsˌədōˈnēə) [key], Macedonian Makedonija, officially Republic of Macedonia, republic (2005 est. pop. 2,045,000), 9,930 sq mi (25,720 sq km), SE Europe. It is bordered by Serbia and Kosovo on the north, Albania on the west, Greece on the south, and Bulgaria on the east. The capital and largest city is Skopje. The other main cities are Tetovo, Bitola (Bitolj), and Prilep. The United Nations and many nations recognize the country as the "Former Yugoslav Republic of Macedonia" (FYROM) because of Greek objections to the name Macedonia (see below).
Sections in this article:
The Columbia Electronic Encyclopedia, 6th ed. Copyright © 2012, Columbia University Press. All rights reserved.
See more Encyclopedia articles on: Former Yugoslavian Political Geography


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Study in the USA - Rock Hill, South Carolina
Displaying 1-2 of 2 results.
Winthrop University
Rock Hill, South Carolina
Public University
Approximate Cost: $34,966.00
International Students: 247
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York Technical College
Rock Hill, South Carolina
Public University
Approximate Cost: $9,376.00
International Students: 2
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Note: Some of the schools in the InternationalStudent.com School Search database have not reported all of the data we make available. When this is the case, it is indicated by 'N/A' (not applicable).


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This is the result of two months of hard work. In this Real Time Strategy game, you have to build and upgrade an army to win the war against orcs, in 8 different missions.
Designed by:
Audio by:
Evil-Dog - Epic Loop
Evil-Dog - Fierce Battle
Evil-Dog - Golem War : Heroes


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I have received my appointments for my Bone Scan and Ultrasound....how many more things can go wrong with me.....arrrrgggghhhhh......!!!!!!
Merry Christmas to all...
lots of things...
getting things done in the garden today..
dinner..i"m hungry..
Should I cut my hair shorter?
I'm Dreaming of a White Christmas
daughters hospital appointment today...


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Tara Murphy >> See More Amateurs
Galleries in Full HD!
Galleries in Full HD!
With a college degree in marketing completed, a degree in fashion nearly so, and pageant trophies and TV work already in the bank, this Dublin delight is on her way to a successful future. Brains, beauty, determination and a never-say-die attitude add up to a potent package,...
Get this complete pictorial in stunning resolution & HD video! View Full Gallery!


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Let's Move Outside All Summer Long
Summer is fast approaching but packing up the kids to head outside could be daunting, especially for those whose experience with outdoor activities is limited.
But don't worry. With a little help and some simple planning, the whole crew will want to unplug and find activities that will invigorate not just the body, but the mind. The opportunities to show our kids how to eat healthy and be active can stay with them for a life time. Young children and the young at heart will enjoy summer days filled with picnics and outdoor barbecues that create great memories. Read more »


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Harold Murrell and Janice Murrell
My paternal grandfather and my aunt.
Unfortunately, I don't know where this was taken but I am guessing
from the size of my aunt the year was probably 1939.
Just my way of sharing with family, friends, and anyone who will listen, the things that I have learned about my ancestors with a little bit about myself and my own little family in the mix.
Thanks Victori :)Delete
I like the background, flowers and water fountain. I would call this one, Handsome and Pretty.ReplyDelete
I like that LindaRe!Delete
awww, she doesn't look very happy. Great photo.ReplyDelete
Yeah she looks a little nervous or about to cry perhaps. Thanks for stopping by Kristin.Delete


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You are here: Home
/ Cooperatives and Agribusiness / Safety Inspections
Under authority of the Federal Meat, Poultry and Egg Products Inspection Acts, USDA inspects and monitors all meat, poultry and egg products sold in interstate and foreign commerce to ensure compliance with mandatory U.S. food safety standards and inspection legislation.
Federal regulations require that most imported plants and seeds enter the U.S. through certain ports of entry where USDA has special facilities for the inspection and clearance of those items. Data and statistics are gathered at these ports of entry to help the U.S. monitor pest risks and diseases entering U.S. soil.


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|Posted by Mr. and Mrs. G.R. Hambley on August 03, 2001 at 10:05:09:
|In response to Re: Grey Pipe
: : : Chris,
: : : Some grey pipe was involved in a suit.
: : : Most of the problems were in the plastic fittings with Polybutelene pipe.
: : >Installations with metal fittings have NOT been holding up. More than half the houses are our block had them replaced to no avail. My fittings were replaced and today I have water coming up from the foundation. (Hot water line in house).<
|Replies to this post
|There are none.


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Shop Sneakers For Spring!
10 Supersweet Casual Kicks You Need Now!
Photo 1 of 11
10 Supersweet Casual Kicks You Need Now!
I don't need to tell you how big of a statement your shoes can make — and since Spring is all about getting outside and strolling the streets, you're going to need a stylish pair of sneakers to brighten up your look while providing ultimate comfort. From classic to colorful to a little bit dressy, we've rounded up the top 10 cool kicks you need for the new season.


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CAPITOLA - Police are investigating the stabbing of a man that happened around 1:10 a.m. Saturday in the 200 block of the Esplanade in Capitola.
Officers say the man was stabbed in the upper torso.
Two suspects reportedly ran from the scene.
The victim was treated at Dominican Hospital, police Sgt. Andrew Dally said.


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eing stalked is an eerie sensation. Who is the predator? What does the predator seek?
I've felt this "being stalked" sensation in my bones numerous times during the past few years, especially when hiking in the high country and futilely have tried losing my pursuer.
Yet, my adversary possesses perseverance and skill, refusing to be denied.
My foe uses guile and timeless experience to remain on my trail, ignoring my deceptions and not falling for my tricks.
Such dogged determination; refusing to let me escape; haunting me in broad daylight, in shadows, and even at night.
After my double knee replacement and seven-hour back surgery, both in 2007, within five-months of each other, my antagonist gleefully taunted, "Nothing personal, but you are mine!"
"Never!" I defiantly retorted and so his pursuit of me began on the mountaintops and in canyons.
Relentless and unyielding best describes my foe; Father Time, who carries the distasteful baggage of advancing age; reduced mobility, agility, endurance, and muscle, greater susceptibility to injury, especially falls, memory deficits, deteriorating joints, and more.
I told him that the only commodity of his I was interested in was wisdom, but he responded, "It doesn't work that way, this is a package deal."
And so, the years passed, and he remained on my trail, more and more difficult to elude, coming closer and closer.
Mid-September, 2010.
Classic Indian Summer days in southwestern Colorado's San Juan Mountains; enchantingly lovely with stable weather in the vicinity of historic Silverton. Kathy's and my first day was devoted to climbing 13,165-foot Stony Pass Peak, which overlooks the Continental Divide Trail. The second day found us ascending the fiery colored slops of Red Mountain No. 1 which towers above Corkscrew Pass. Such perfect, wonder-filled days are rare; even in Colorado. From atop those two summits, other destinations beckoned; 13,478 foot Canby Mountain opposite Stony Pass Peak and 13,339 foot Mt. Brown (Duco Benchmark) across from Red Mountain No. 1.
Those two mountains were near the top of my "to do" bucket list; personal priorities before Father Time caught up with me and yes, Kathy, also. Weather and vehicle problems were prime obstacles preventing the accomplishment of those goals the following two years.
August, 2013
I'm 65 and realize that I'm running out of time to continue climbing above 13,000 feet. It is undeniable that high elevation summits have become harder to reach than in younger years. Father Time, wearing a malicious grin, chuckled, "Soon you will be mine."
With four plus decades of hiking history, I've summited over 3,000 peaks of varying shapes and sizes all over the country, including nearly 300 above 13,000 feet; so I'm counting on experience to be my card in the hole to once again frustrate Father Time for another season.
Realistically, I grudgingly understand that I can't indefinitely continue climbing high peaks. I'm running out of time and its 2013 or never.
Near the outskirts of Silverton, Highway 110 meets a Y-shaped fork where the road on the right heads due east, becoming the famous Alpine Loop Road. Passing several mines, this well maintained road junctions with BLM Road 589 (most of this mountainous terrain is under BLM not Forest Service jurisdiction).
After 1.8 miles on Road 589, we turned left onto four-wheel drive Road 789 which winds southward, twisting four signed (in reality five plus) miles to 12,588 foot Stony Pass way above timberline.
There being no way that our pick-up truck, carrying a thousand pound pop-up camper on the truck bed, could negotiate the pass, we ascended the narrow, rocky track at an excruciating slow speed to a below timberline sharp bend where we parked.
Walking steadily uphill on the wide track was easy, almost relaxing (except for the thin air) as the alpine world surrounding us dramatically opened up. Mountain bikers struggled the most in the high elevation and every biker we met was good naturedly walking his bike uphill. Yet, those enthusiastic fellows always smiled.
Wednesday morning, Aug. 15, with its made to order conditions of calm, sunny, and warm weather was proving to be perfect for our Canby Mountain trek. Lucy Chocolate Lab, happy as always when in the mountains, had doubled our mileage, with her breakneck back and forth sprints, by the time we paused for snacks beside two crystal clear tarns.
Snack time over; time to work. For the foolhardy, there is the impossible challenge of climbing Canby's towering west facing cliffs. Wisely, we opted to follow a more reasonable, unsigned route, climbing steeply, then more gradually over tundra and circumventing the menacing wall toward a grassy saddle separating Canby from an unnamed 13,214 foot peak. Might as well do that one too while we were there.
Our high country passage didn't go unnoticed for after sighting us, tiny pikas squeaked, bold marmots chirped, and mottled ptarmigans clucked a panicked song. While not polished, this out of key chorus was lively and entertaining.
Waving farewell to Peak 13,214, we methodically plodded (except for Lucy who ran) up an obstacle free ridge to Canby's airy summit. Nearly vertical east facing cliffs lined both our easy ascent ridge and Canby's summit. One false step close to the edge and a hiker would emulate the ugly thuds of two boulders we witnessed falling before they exploded into smithereens.
Across the pass and appearing diminutive from above, Stony Pass Peak's lower elevation belied our memory of the difficulty climbing its steepled summit three years earlier. However, Canby's true majesty revealed itself in the terrifying pinnacled ridge emanating from its southeastern side.
Quietly, we sat; mesmerized by the surreal splendor of sheer rock faces belonging to the distant, sky piercing Grenadiers. Our pleasure in the moment was tempered with melancholy for in our hearts, we knew that future days, for us, at comparable high elevations were numbered.
As for Father Time, his unsmiling face was nowhere to be seen and I didn't miss him.
Two days later, we took the left fork out of Silverton on Highway 110; heading north towards Gladstone, before driving up another narrow track, and parking near the below timberline junction with Corkscrew Pass Road 886. The morning's beauty was a carbon copy of our recent Canby Mountain ascent day. We were ready to go and Lucy was again off to the races.
Minutes into our walk, we turned onto Copper Gulch Road 889, soon stopping at the saddle between Red Mountain No. 1 and Mount Brown. Simply put, no locale in all of Colorado comes closer to being paradise on earth than this little known site where sparkling fens (rare ponds fed by groundwater more than by runoff) in a lush meadow, checkered with stately evergreens, reflect with crystalline clarity, the radiant splendor of Red Mountain No. 1 under the bluest of heavens. Even these written words cannot do the beauty justice.
Moving upward along a broad tundra ridge which gradually narrowed, we clambered over minor ridge points, continually looking down upon the paradise below us.
While Brown Mountain is a walk up peak like Canby, it required more of us due to greater elevation gain, steeper terrain, and mischievous weather gods. Clouds played tag with the sun and cooling breezes stiffened, requiring us to wear gloves and don additional layered clothing.
Literally, Kathy and I were encircled by a sea of both treacherous and gentle mountains whose ridges formed a dividing line between lost alpine valleys. We enjoyed identifying earlier climbed peaks and studying lonely summits seldom touched by human footsteps. Feeling very much alive atop our lofty 13,339 foot perch, we savored the freedom of the mountains and felt very good.
Far below, I spotted Father Time unsteadily seated upon a lonely outcrop. Looking up at us, he frowned while with a wave of my hand, I yelled, "See you next year!"
1. Silverton, Ouray, Telluride, and Lake City Colorado published by Trails Illustrated Topo Maps, now National Geographic Trails Illustrated.
2. San Juan National Forest Map
3. Colorado Atlas and Gazetteer, 8th edition, copyright 2007 DeLorme, pages 76-77.


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