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From the fabricator: 2012, great to see you!
Happy New Year! Before we put 2011 in the books though, I wanted to quickly take a look back. There is no doubt that the past year was challenging. But there were probably more bright spots than we either want to admit or were willing to notice. Regardless, I for one am thrilled that we have turned the calendar over. 2012 brings with it serious promise, on virtually every level. We have many companies poised to make moves with new locations, expanding products and cutting-edge technology. Hopefully, we have some political closure, no matter who wins in November, and we just have the "hope" that comes with a clean slate. So with that in mind, the onus is on us to make it a great one, and I truly believe we'll rise above the obstacles and roadblocks out there. Nothing is easy, but I am staying positive as it relates to our industry and world. See I am trying to turn over a new leaf… positive… kindler… gentler… oh my.
- I have been doing this blog since 2005 and maybe once during that time did I take any extended time away from it until the last two weeks. It surely was bizarre not thinking about it. I missed it actually. So, it's great to be back. And as a reminder, I actually post every Sunday, and it ends up on many people's screens Tuesday as a part of the absolutely excellent e-glass weekly.
- Some props to catch up on: Congrats to Kirk Johnson on his new position at Hartung Glass. Very happy that Kirk landed so well. And speaking of Hartung, kudos to their marketing genius Rich Porayko for the excellently choreographed set of announcements last week. Well done, my friend. Congrats also to Alissa Schmidt who just picked up a nice promotion at Viracon. Wow, the good guys get even better now! And also congrats to the fine folks at Binswanger Glass, who embark on a new journey. I'm excited for everyone there after the announcement of their purchase by Grey Mountain.
- Grey Mountain also announced the acquisition of Global Security Glazing. As many of you know, I have always been a fan of Grey and the way they do things. I lamented that they hadn't gotten their chances in the past, so I am thrilled it has taken place now. That I believe is a positive for the industry for sure!
- Did you see the wild ruling that the Department of Defense will not be able to use any money to go through specific green building certifications? I am probably in the minority (I always am), but I think it's great. Build to the spirit of it (like so many people do) because going sustainable is the right thing to do; but skip the process, save the cash (taxpayers cash anyway) and move on.
- Saw on Twitter (are you using yet?) a great link from Heather West that predicted the five regions that will flourish in 2012. I should make you all go follow her on Twitter to find it, but here's the link: interesting stuff.
- Still on social media: anyone using Google+ much? I am trying to make an effort for 2012, just not sure if I get it yet.
- Book of the week: "The Wizard of Lies" by Diana Henriques. This book was the inside story about Bernie Madoff and his ponzi scam. Solid read overall, though maybe a tad too long. The key of the book for me was the blatant ineptitude of the SEC in their various investigations into Madoff. Many times they had him, and they just skipped a simple step and let him off the mat. It was like a TV cliffhanger leaving you thinking for sure the guy is done, and next week you watch the show and he survives. Just amazing stuff.
- Last, this blog gets linked to elsewhere but it is so good, I feel like I need to throw a connection out too. Kris Vockler compiled 9 business lessons from 2011: a very good, easy and worthwhile read.
The author is founder of Sole Source Consultants, a consulting firm for the building products industry that specializes in marketing, branding, communication strategy and overall reputation management, as well as website and social media, and codes and specifications. E-mail him at email@example.com.
The opinions expressed here are those of the individual author and do not necessarily reflect those of the National Glass Association, Glass Magazine editors, or other glassblog contributors.
You're having a really good work here and in my opinion there is no reason to worry about. I am sure that for the future it will be a good situation too.
Cazare Ieftina
February 16, 2012 - 9:55am
you will like mark ingram game jersey suprisely vNgmqPqK http://new-orleans-saints-jersey.com/jonathan-vilma-limited-black-game-j...
October 28, 2012 - 3:00pm


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Today, AFGE Local 1738 Shop Steward Eric Jenkins testified before the House Committee on Veterans' Affairs' Subcommittee on Disability Assistance and Memorial Affairs regarding the current state of the Department of Veterans Affairs' (VA) benefit claims processing technology. Jenkins' testimony focused on greater communication between AFGE and the agency regarding improving the Veterans Benefits Management System (VBMS), the impact of frequent system shutdowns on the ability to process veterans' claims in a timely fashion, and improving the agency's broken work credit system.
"AFGE consistently receives reports from members at regional offices nationwide regarding shutdowns and technical problems with VBMS. We would like to remain a strong partner with the Veterans Benefits Administration (VBA) to improve VBMS to better process claims and to make the system more user friendly," testified Jenkins. "AFGE requests the establishment of a working group to improve VBMS, which would include AFGE, management and Veterans Service Organizations' (VSOs) stakeholders." AFGE also recommends that VBA develop a contingency plan that will maintain productivity and credit employees working via alternate systems when VBMS is shutdown.
The union is also critical of the current work credit system that is not based on data and does not accurately account for the complexities associated with the claims process. Feedback from AFGE members indicates that the current system deprives work credit for numerous required tasks, increases workplace stress, puts pressure on employees to rush through claims, and devalues the importance of evaluating claims on their individual merits.
"The absence of a valid work credit system exacerbates the well documented problem of VBA managers manipulating backlog data to improve performance measures," said Jenkins. "Veterans who fought for this nation deserve to have their claims processed in an accurate and timely manner."
AFGE urges the committee to adopt the approach set forth by Senate Veterans Affairs Committee Chairman Bernie Sanders that would establish a working group tasked with evaluating and recommending changes to the current work credit system based on data.
Jenkins is a 15-year veteran of the Marine Corps, a service-connected veteran and has worked for VBA for nine years.
The American Federation of Government Employees (AFGE) is the largest federal employee union, representing 670,000 workers in the federal government and the government of the District of Columbia. AFGE's National Veterans Affairs Council represents 210,000 employees within the Department of Veterans Affairs. For the latest AFGE news and information, follow us on Facebook and Twitter.
SOURCE American Federation of Government Employees
Copyright (C) 2014 PR Newswire. All rights reserved

subset: commoncrawl


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"PSP has been providing top-quality professional national events for years and have lead the way for the sport of paintball. Staying true to our values by always striving to provide our athletes with the best local and regional tournament events, it made sense for us to align ourselves with the PSP so that we can continue to offer the Northwest the best of paintball." - Skyler Anderson, West Coast Paintball Series
About the PSP:
PSP Events is indisputably the most experienced tournament provider in the paintball industry. Comprised of manufacturers, distributers, professional players, and field and store owners, the diverse group that is PSP has a wealth of tournament paintball knowledge and an in-depth understanding of the industry from top to bottom.
PSP has expanded the potential of tournament paintball with its ever evolving format. With an emphasis on fast-paced, exciting play, the format is a player favorite. Also more favorably comparable to other sports with which the public can identify, the RaceTo format is spectator friendly.


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text: Not every shirt gets to go down in history as one of the greats. Some shirts are the RG3 of design: lots of flash and promise, but a negligent-to-the-point-of-criminal head coach who plays them when he shouldn't and almost causes them to blow out a knee and ruin their career. Seriously, someone fire Mike Shanahan. Anyway, here are the shirts moving on to the realm of higher prices after midnight tonight:


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Welcome to International Services for Faculty and Staff!
Montclair State's workforce includes a sizable number of international employees. The Office of International Services (IS) provides visa expertise and services for a variety of visa categories including but not limited to nonimmigrant (F-1 OPT, J-1, H-1B, TN, O, P) and immigrant (EB-1 Outstanding Researchers & Professors, EB-2 PERM as University Professor, EB-2 National Interest Waiver, EB-2 or EB-3 PERM for Staff). The complex U.S. immigration laws may seem overwhelming; however, our office is here to ease the understanding and process of these matters.
The Overview of Immigration and Employment outlines the options for international employees at Montclair State.


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Talk about the E83 BMW X3 in this forum!
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EML light on after RMFD tranny install....
If u remember we had just rolled into San Antonio and RW was the first place I took the car for repair. One of the reasons I let them fix the car was they said they were going to put a (new) tranny in. Im not saying I know everything or alot about my car but when they make a big deal about how they didnt mess with rebuilds, that they only dealt with (new) transmissions. Since Penske was paying for it we might as well see if they will bite. Telling me that they would probably come back with an offer to pay 1/2 or rebuilt one. Telling me they warrant all their work etc. Basically Im feeling they are very knowledgable and seem to want to help me rather than hurt me!
When I got the check from Penske, called them they said it was ready. John and I get there and write them out a check $6330 the guy calls it in using the automated system, they decline it. Im telling the guy to speak to a live person esp. for a check that large. My husband left work to give me a ride to get the car and go right back. They had us jumping through hoops for over 5 freaking hours over this damn check. I started getting really frustrated. The funds were verified not once but twice with the lady from the bank. Not good enough, what is the problem. They keep saying how sorry they were but they had been burned lately buy a dude that played for the Spurs...right. and couldnt take any chances. Didnt make alot of sense to me but what could I do.
The bank told them we had over 7k in the bank but for some freaking reason that wasnt good enough for them. This run around went on for almost 5 hours. They wouldnt give me my car. Finally after 5 hrs we left and went to the bank and withdrew $6330.00 walked in and handed it to them in cash.
When we first arrived, got the invoice, I ask Juan for a copy of the other estimate so I could see exactly what we were being charged (out of pocket), he tells me he doesnt have a copy of it, said "we wouldnt keep a copy? Come on? This didnt sound right to me. I thought I should compare the (what they said they were going to do list) to the (what they actually did list) isnt that what people do when they get billed? I had the originals but not with me right then, forgot them on kitchen table at home. So right then, at that moment I had no choice. I thought, just get the car home then inspect it. Originally there was an estimate for Penske and another for US, items that they thought needed repaired. Why would they bill all the work together? Shouldnt there have been 2 different invoices
The original Penske estimate they list the tranny as A5S 390R TRANS but on the invoice they list it as RMFD Auto Transmission. The part numbers are same and I understand RMFD Transmissions are just as good as new. I think Penske thpught they were getting a New unit, not a RMFD unit? Shouldnt the repairs on the service invoice match the claim estimate?
Adjustments were made to the repairs on our estimate but never updated and given a copy. Do you guys think somethings wrong with the repair invoicing vs estimate quotes?
Rhine West in San Antonio replaced my transmission in my O4 X3. Ive had it back 3 days now, first day I thought rpms jumped up on me while I was crusing 65mph, then again next day, then tonight I was headed to the store backed out and started down a small hill and when I gave it a little gas, rpms went up but car didnt engage for about 2 secs. Leaving the store I see the EML and service engine soon light come on. The tranny slipped once more while driving. I took it in yesterday........... new issues, will start new thread. Is this what you guys go through when you get repairs done? I cant handle the stress, this seems crazy to me. Im getting pains in my stomach and everything from this.
Last edited by leannaluv; 08-29-2012 at 07:43 AM. Reason: confusing for reader, rephrased
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text:
The Powerplay On Survivor:Tocantins Is Getting Awesome
Another great blindside is coming here on Survivor Tocantins. Be amazed on how to power player planned to blindside one another. Will it be Coach or Brendan who will be going tonight?
Day 21 on the new tribe Forza, everybody was still shocked and sad that Joe had been medically evacuated. So to lighten the mood, Coach felt like he could tell the group a story that he felt was much worse — a time he was stuck in the Amazon. He told them he felt he was being watched and then he saw several locals who later pulled him aside, tied him up and beat him with a club. He said he didn't remember how long it lasted, but he had blacked out. Everybody sat silent as he told the crazy story. In a confessional, Brendan said that Coach could be the biggest fraud the game has ever seen. "If I don't believe his stories, how can I believe what he's saying in my face?"
The next day, Coach continued his daily meditation in the water while the rest of the tribe looked on. "He's like a snake ready to strike," Tyson joked. Coach then walked back to the group and gave a funky explanation of the style of meditation he was doing.
In a confessional, he nicknamed himself the dragonslayer because he was after Brendan — who he has called the dragon. He then labeled Sierra the bowel movements that come out of the dragon.
At the Reward Challenge, the nine castaways were divided into teams of three — red, white and black. Each team had one row of wooden blocks with ceramic tiles in the center. The task was to throw a ball at the blocks in an effort to break the other teams' tiles — essentially it was a grown-up version of a bean-bag toss. The last team left with tiles intact would win the reward — an afternoon whitewater rafting with a picnic to follow.


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Cosmetic Plastic Surgeons in Lewes
You can choose a cosmetic plastic surgeon in Lewes from this list with confidence, knowing that he or she possesses exceptional training, outstanding credentials and experience with all areas of the face and body.
This list features only plastic surgeons in the city of Lewes. To widen your search, choose a nearby city from the list to the left, or click here to search by ZIP code.
|Surgeons highlighted below have purchased an Enhanced Practice Profile
|Personal Website
Eric Chang, M.D.8860 Columbia 100 Parkway Suite 206 Columbia, MD Tel: Click for phone number410-740-9330
|95.42 Miles
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|95.42 Miles
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|96.3 Miles
Fady Sinno, M.D., FACS5300 Dorsey Hall Drive Suite 102 Ellicott City, MD Tel: Click for phone number410-884-4200
|96.68 Miles
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|96.72 Miles
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Christopher P. Godek, M.D.The Personal Enhancement Ctr. 1430 Hooper Avenue Toms River, NJ Tel: Click for phone number732-281-1988
|98.83 Miles
The surgeons listed above are members of The American Society for Aesthetic Plastic Surgery, licensed by the state of Delaware and certified by The American Board of Plastic Surgery (ABPS).
Choose Your Plastic Surgeon Carefully
Remember, any licensed physician is legally allowed to advertise as a "cosmetic" surgeon, even if he or she has no formal surgical training. Your body is nothing to take chances with, so avoid the risk. Selecting a board-certified plastic surgeon from this list is your assurance that your doctor has the highest quality training and advanced surgical skills.
ABPS Certification and ASAPS Membership Matters
The ABPS is recognized by the American Board of Medical Specialties to certify doctors in the specialty of plastic surgery. Following medical school, ABPS-certified plastic surgeons must have completed a minimum of 5 years of surgical training, including an accredited plastic surgery residency program. Members of ASAPS must be in at least their third year of active practice following ABPS certification.


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Our flow season is about one month long. There is a flow often at the beginning of June but seldom hives are ready to forage surpluss.After September we go to the winter. When the hive makes brood in September, it makes sometimes tight that the last emerged bees can empty their gut. Our plants start to prepare themselves for winter in August what ever weather it is. Plants read the time from day lenght.
Five of my hives are only one deep full, will they survive winter? Should I feed? Thanks :)


text:
- About this Journal ·
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Pain Research and Treatment
Volume 2012 (2012), Article ID 741746, 10 pages
Dysfunctional Neurotransmitter Systems in Fibromyalgia, Their Role in Central Stress Circuitry and Pharmacological Actions on These Systems
Alan Edwards Centre for Research on Pain, Faculty of Dentistry, McGill University, Montreal, QC, Canada H3A 2B2
Received 21 April 2011; Accepted 11 July 2011
Academic Editor: Charles Vierck
Copyright © 2012 Susanne Becker and Petra Schweinhardt. This is an open access article distributed under the Creative Commons Attribution License, which permits unrestricted use, distribution, and reproduction in any medium, provided the original work is properly cited.
Fibromyalgia is considered a stress-related disorder, and hypo- as well as hyperactive stress systems (sympathetic nervous system and hypothalamic-pituitary-adrenal axis) have been found. Some observations raise doubts on the view that alterations in these stress systems are solely responsible for fibromyalgia symptoms. Cumulative evidence points at dysfunctional transmitter systems that may underlie the major symptoms of the condition. In addition, all transmitter systems found to be altered in fibromyalgia influence the body's stress systems. Since both transmitter and stress systems change during chronic stress, it is conceivable that both systems change in parallel, interact, and contribute to the phenotype of fibromyalgia. As we outline in this paper, subgroups of patients might exhibit varying degrees and types of transmitter dysfunction, explaining differences in symptomatoloy and contributing to the heterogeneity of fibromyalgia. The finding that not all fibromyalgia patients respond to the same medications, targeting dysfunctional transmitter systems, further supports this hypothesis.


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Is Music The Key To Success?
A lot of powerful and successful people say their music backgrounds and experiences are directly related to their professional achievements. That's according to Joanne Lipman, in her New York Times piece "Is Music the Key to Success?" Lipman is a former editor at The Wall Street Journal and Condé Nast Portfolio, and she's the co-author of a new book, Strings Attached: One Tough Teacher and the Gift of Great Expectations. The book tells the story of her own childhood music teacher, who inspired her and countless others.
Lipman says that while writing the book, she kept running across "high-profile people who had these secret stealth lives as musicians."
"The question I asked all these people - Paul Allen, the founder of Microsoft, and Woody Allen, and James Wolfensohn... who was president of the World Bank and plays the cello - is, 'What is the connection [between music and success] or even is there a connection?' And one of the things Alan Greenspan said was, 'As a statistician I can tell you it is not a coincidence.'"
Tell us about your music teachers of past and present. Leave a comment below -- or leave us a voicemail at 866 939 1612.


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Snowboarding Forum - Snowboard Enthusiast Forums (http://www.snowboardingforum.com/forum.php)
- Outerwear and Accessories (http://www.snowboardingforum.com/outerwear-accessories/)
- - Electric vs Von Zipper Goggles with Combyn (http://www.snowboardingforum.com/outerwear-accessories/129881-electric-vs-von-zipper-goggles-combyn.html)
Electric vs Von Zipper Goggles with Combyn
I'm looking at getting a new pair of goggles. Trying to decide between Electric EG2 or EG2.5 and Von Zipper fishbowls. I wear a Giro Combyn helmet and am curious as to which ones would fit with the helmet well with no gaps. I can't find a store near me that has them to try on so I'll have to order them online. Any recommendations or experiences? Thanks!
One vote for EG2. Not sure if it's compatible with that helmet but they're great goggles.
I have both the EG2 and the Fishbowl. I like the Fishbowl better because it's more comfortable. EG2 wraps around more and hugs your face little more. Fishbowl fits my Bern Watts helmet very well.
Should also mention that I'm wearing a size medium Giro Combyn helmet, (if that gives you an idea about the size of my head) goggles will go over the helmet.
Another vote for EG2. You can find pretty good deals on them on Steep and Cheap, and The Clymb.
5 Attachment(s)
You need to try them on for fit. If they dont fit your face/helmet, no matter how good they are... they will not work.
Are the EG2's really as huge as people say they are? My head isn't ginormous, probably an average size face. I'm leaning more towards the 2.5's.
Thanks again for the help so far!
5 Attachment(s)
EG2 are big. So are fishbowls, like really big.
EG2 are a liiittle bit less wide, but about equally high as fishbowls, so essentially they look equally big. IOX are about the same size, but look slightly smaller overall than fishbowls...
I tried a bunch of lenses and EG2 and Dragon were slightly too narrow for me... Fishbowl fit perfect and Smith IOX fit really good, but i find the fishbowls conform to my face better because the frame is soft. Oakley canopy fit me well, but the frame was too wide and not tall enough, so I didnt like it.
For your reference i wear a sz L Bern Watts helmet and use both IOX and Fishbowls. But each face, nose, cheeks are different.... :dunno:
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Hey there, time traveller!
This article was published 14/5/2014 (1137 days ago), so information in it may no longer be current.
The Brandon University Bobcats men's basketball team is bringing in a former Warrior that they're hoping will bring some toughness to the squad.
Denham Buchanan, a 6-foot-3, 205-pound guard, is joining the Bobcats for the 2014-15 Canada West campaign after spending the 2012-13 season with the University of Waterloo Warriors.
Buchanan sat out last season, but Bobcats head coach Gil Cheung hopes he will have an immediate impact his new team.
"He gives us size, he gives us strength, he can guard multiple positions on the wing," Cheung said. "He'll definitely help us in transition. He adds a little toughness to our team on the perimeter. He can defend. He's an older guy and mature. He can do a lot of things for us.
"He gets after the defensive end, gets on both ends of the glass and can score in transition. He's a bigger wing that's versatile and can give us a different look on the perimeter."
Buchanan grew up in Toronto and was named MVP of the Runnymede Collegiate Institute Ravens in both his sophomore and senior high school basketball seasons. He then attended Murray State College in Oklahoma before transferring to Waterloo.
In his lone season with the Warriors, Buchanan came off the bench in 18 games, averaging 13.2 minutes, 4.7 points and 1.8 rebounds per game.
He opted to come to Brandon after some of his friends who are former Bobcats told him to contact Cheung. He did so and felt it would be the right fit.
Buchanan will be entering his third year of eligibility and Cheung believes will bring some leadership to a team that graduated four players at the end of last season.
"He's had a lot of basketball experience," Cheung said. "Just like any student coming to Brandon or university for the first year, he will take a little time to adjust to the school and community and program. He's been to different places, he has a high basketball IQ and we're definitely looking for him to come in right away and compete at a high level.
"He played in a very tough conference in the OUA. I think the travel in Canada West is like no other conference in North America with the distance we have to travel to play games, that will be an adjustment for him. But he has played at a high level and I think he's very excited to join our program."
Buchanan is the second recruit for Cheung's men's basketball team — joining 6-foot-7 forward Ryan Cowley from B.C. — and he's looking forward to coming to the Wheat City.
"I've always been a competitor and have always wanted to play at the highest level possible, and the CIS is the highest level in Canada which is something I really want to be a part of," Buchanan said in a press release.
"The West is filled with tough teams and guys that play at a very high level. I know that with hard work and with the help of coach, it will be a very successful year."
» email@example.com


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Highlands Mommies pick the best restaurants in northwest Denver; do you agree with them?
Every year, Westword publishes a little guide called the "Best Of Denver," wherein our writers rank the city's best stuff, including food. Last year, the Highlands Mommies -- the formidable northwest Denver parents group profiled in our cover story, "The Mommies" -- did their own "Best Of" for the Highlands.
Many of their picks are restaurants. Take a look and tell us what you think. Do the Mommies have good taste? Or should they stick to using rolling pins solely for crackin' skulls?
Favorite Mexican Restaurant Tacos Jalisco
Most Authentic Mexican Restaurant Taqueria Patzcuaro
Favorite Italian Restaurant Parisi
Favorite Asian Restaurant Thai Basil
Favorite Delivery Pasquini's Pizzeria
Most Kid-Friendly Restaurant Pasquini's Pizzeria
Favorite Date-Night Restaurant Duo Restaurant
Favorite Dessert Happy Cakes
Coolest Bar Root Down
Best Patio Cafe Caliente (renamed Highlands Cork and Coffee)
Favorite Cafe Common Grounds
Favorite Breakfast DJ's Berkeley Cafe
Favorite Ice Cream Red Trolley
Favorite BBQ Big Hoss BBQ
Favorite Burger Billy's Inn
Most Addictive Pizza Parisi
Favorite New Restaurant Ernie's Bar & Pizza
So, do you agree with their picks? Tell us in the comments!
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text:
Ok so this made my day.
I was on the way to getting my new speakers installed and I pulled up to a traffic light. In the left lane about to turn left was a really sweet looking lady in a WRB WRX. I glanced over but she didn't look at me. Anyway, her light turned green first and just before she pulled away, she glanced over at me. I smiled and gave her an up-pointing thumb, and she flashed a killer smile and waved at me.
Ahhh....such happy moments.
PS I really wanted to race her.


text:
Stephen Lewis, the UN special envoy to Africa, told the International Aids Conference in Toronto the South African government is expounding HIV/Aids theories "more worthy of a lunatic fringe than a concerned and compassionate state." President Mbeki of South Africa is well known for his unorthodox views which claim Aids is a western world attack on Africa that can be combated by natural remedies. Lewis noted between 600-800 people die daily from these diseases, and he decried the arrest of members of the Treatment Action Campaign (TAC) who were protesting the bizarre ideas of South Africa's Minister of Health, Mano Tshabalala-Msimag. She believes all problems related to HIV/Aids can be cured by having people adopt the right nutrition program.
The president of South Africa has fired any minister of Health who advocates known successful methods of dealing with HICV/Aids. He plays along with ideas of abstinence although Stephen Lewis pointed out "abstinence only programs do not work." The tragedy for any HIV/Aids program in South Africa is the government, not public support for the effort. Hopefully, with the end of his current term, a new president might actually listen to scientific evidence rather than spout rhetoric of natural remedies.


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Tuesday, June 27th, 2017 14:54
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IF YOU ARE UNDER 13 YEARS OF AGE - You must have a parent or guardian complete this form for you!
Please fill in the form at left and click Join Now! to sign up. You will receive a confirmation e-mail shortly with instructions on how to activate your account and begin enjoying Equine-Ranch.
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- Moisture-wicking
- Breathable
- Naturally anti-microbial
- Machine washable and dryable
- Heavy Weight interlock fabric
The First Lite Labrador Full-Zip Sweater will keep you warm as the outer layer to your First Lite layering system. The Shooters Cut construction allows for full range of motion and maximum comfort. The heavyweight Merino wool fabric is moisture-wicking, breathable, quiet, and naturally anti-microbial, helping keep you undetectable to your prey. Merino stays warm whether dry or wet, and will help keep you focused on the hunt, rather than trying to keep warm.
Technical Information
Scent Control: Yes; naturally anti-microbial
Insulation: No
Fabric: 100% Merino wool
Waterproof: No
Windproof: No
Wool Weight: 400 Grams
Number of pockets: 1 chest pocket
Safety harness slit: No


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A2 [ U ] physical exercises and activities performed inside, often using equipment, especially when done as a subject at school(尤指作为学校课程的)体操,健身操
gym clothes 体操裙
gym shoes 体操鞋
The third graders have gym on Tuesdays and Thursdays.
A2 [ C ] also gymnasium a large room with equipment for exercising the body and increasing strength健身房;体操馆
We played basketball in the gym.
More examples
- A work-out in the gym will exercise all the major muscle groups.
- He works in a sports centre instructing people in the use of the gym equipment.
- I felt so unfit after Christmas that I decided to join a gym.
- A figure like that is usually the product of many hours spent in the gym.
- I like to sweat it out in the gym for a couple of hours every day.


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The interim Prime Minister, Francisco Fadul, said yesterday that fighting had increased overnight between Senegalese troops supporting President Joao Bernardo Vieira and the army, which opposes his rule.
"There is a lot of automatic weapon fire and a lot of heavy shelling," Mr Fadul said. Headded that the foreign and defence ministers of Togo were expected in Bissau yesterday to broker talks. The ambassadors of Portugal, France and Sweden are also involved in the diplomatic efforts, he said.
A French Navy ship, Siroco, is off the coast of Bissau, where it is attempting to land 300 West African peace-keeping reinforcements from Benin and Niger.
On Tuesday it was reported to have shelled rebel positions but the French ambassador to Bissau, Francois Chapellet, denied the claim. Earlier this week there were reports that at least 30 people had died in Bissau over the weekend, with more than 200 casualties admitted to hospital. Many people have reportedly sought shelter in foreign embassies.
The peacekeepers are due to be deployed as part of a plan brokered by the 16-nation Economic Community of West African States and the former colonial power, Portugal.
The policy, agreed last November, envisaged presidential elections next month but did not include plans for disarming the rebel army.
The rebellion, which began last June and is supported by guerrillas from neighbouring Senegal, has displaced half the country's one million people.
- More about:
- Africa
- Diplomacy
- Senegal
- West Africa


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Welcome to the tropical paradise of Cocos Island, the virtual home of SEABOB Jet Australia. Your SEABOB Jet adventure starts here. In order to navigate and explore, simply click on the animated Hotspots in and around Cocos Shack to find out how you can join us in paradise for the time of your life. Hope to see you out on a SEABOB Jet very soon!
Anthony Cascone (Managing Director)
In 1974 Anthony established an Insurance Brokerage business and quickly became the leading Insurer within the Italian Community. To this day, this remains his core business.
Anthony's other business interests include financial services, property development, car sales, and food imports. He was a founding member of one of the first Italian Ethnic Radio Stations, created a monthly Italian magazine for the Italian community, and remains active within the Italian community in a number of ambassadorial roles. Anthony brings a vast amount of experience to SEABOB Jet Australia and will take an active role in the running of the company on a day to day basis.
Tony Raftis (General Manager)
After a successful 13 year career with IBM Australia in Systems Engineering, Tony formed Volante Computers and International Technology Group (ITG), dealing in the growing PC market in Australia. After 10 years of stellar growth, Volante Computers was floated on the ASX in 2000 and I.T.G sold to Ingram Micro in 2001.
Tony founded SEABOB Jet Australia in 2014.
Mark Whiteley (Technical Services Manager)
Mark has held various position in the Electronics and Computer industry after graduating from RMIT with a Diploma in Electronic Engineering. Starting out as an Electronics' Engineer in the industrial process control industry then moving into the Information Technology space. For the past several years, he has have been working as a consultant for US based computer hardware & software vendor's.
Mark brings a high level of management and engineering skills to SEABOB jet Australia.
Lance T Webster (Whitsundays Area Manager)
Padi Dive Master, with over 5000+ Dives
Our Whitsunday Area Manager, Lance Webster's sole goal is to provide a memorable and exciting experience for every SEABOB Jet enthusiast. Lance has been on and under the sea his whole life in many types of craft and situations. His is a very determined and goal driven individual with a passion for the marine and hospitality industry. He is very athletic, loves diving, kayaking, snorkeling and fishing.
Lance loves people, traveled the world, lived abroad resulting in many wonderful experiences and many new friends. Lance has been involved in several successful business ventures and brings his knowledge and enthusiasm into the SEABOB Jet team.
Oliver Volante (Cairns Area Manager)
Ocean - People - Adventure & Variety
Oliver started dive instructing in 2001 and soon discovered his passion for the marine environment. Oliver loves to teach and share his knowledge with others and has a reputation for inspiring others to explore and enjoy the marine world. Oliver has really found his niche within the SEABOB Jet company and after a promotion to Operations Manager he can now share his skills and passions with his colleagues on the SEABOB team on a larger scale than ever before. As the longest serving employee of the Company and an avid guide he really leads his team from the front. Oliver sees a bright future with SEABOB Jet Australia and loves the challenge that the role brings each day.
Our SEABOB Jet family is our strength.
Our MD, Mr Anthony Cascone, is a key driving force behind the operation and leads a highly effective Board of Management.
Mr Cascone has a reputation for top quality business dealings, infectious energy & enthusiasm and incredible dynamism. He brings a vast amount of experience, vision and ideas to SEABOB Jet Australia.
SEABOB Jet Australia Pty Ltd has also recruited the best of the best in terms of day-to-day operations – committed and highly successful individuals with the drive, energy and the know-how to take the SEABOB Jet to incredible heights.
Our SEABOB Jet family is our strength.
Our MD, Mr Anthony Cascone, is a key driving force behind the operation and leads a highly effective Board of Management.
Mr Cascone has a reputation for top quality business dealings, infectious energy & enthusiasm and incredible dynamism. He brings a vast amount of experience, vision and ideas to SEABOB Jet Australia.
SEABOB Jet Australia Pty Ltd has also recruited the best of the best in terms of day-to-day operations – committed and highly successful individuals with the drive, energy and the know-how to take the SEABOB Jet to incredible heights.
If you buy your own SEABOB Jet, our state of the art Woree Service & Distribution Centre in Cairns will look after you, 24/7.
Our highly trained SEABOB Jet technicians will offer you support, advice and guidance and your 2-year SEABOB Jet warranty will give you complete peace of mind.
So, it's never been easier to own a piece of the action and adrenalin and enjoy the SEABOB Jet experience whenever you need some 'no limits' adventure!
Call 1800 SEABOB (1800 732262)
We are building strong partnerships with all major tourism operators in our key target markets.
Our strong presence on tourism boats, pontoons and beach operations is being extended month to month. SEABOB Jet will open up the reef and other significant waterways to a vast number of visitors who may otherwise have been unable to experience our iconic attractions first hand, in the water.
Our particular aim is to become synonymous with the Great Barrier Reef, leveraging our strong partnerships with major reef operators. Our close interactions with environmental agencies and important research programmes underline the clean, green design of the SEABOB Jet and its important and far-reaching applications across so many different sectors.
To date the SEABOB Jet is operating at 3 locations throughout the Great Barrier Reef, with another two locations planned in 2016 .
It's the perfect Search and Rescue (SAR) tool - fast, portable and powerful.
Quite simply, the SEABOB Jet can save lives.
The SEABOB Jet is being incorporated into a wide range of search and rescue applications, including Surf Life Saving , Police, Fire Brigade , and scientific and environmental organizations.
The versatility, mobility and maneuverability of the SEABOB Jet makes it a unique and essential piece of kit for many operators, across many sectors.
SEABOB Jet Australia are actively looking for co-operation partners to sell and operate our SEABOB Jets.
If you have an existing business and are looking for an additional income stream in either selling or renting the SEABOB Jet, then we have a package that can suit your needs.
Call or email us for more details , you will be surprised at the innovative sales and rental packages we can tailor to suit your needs."
Our state of the art booking office at 43 The Esplanade, Cairns provides visitors with all the support and information they need about booking their SEABOB Jet experience, as well as establishing a high end presence for the incredible SEABOB Jet product in Cairns.
We are the hub for all SEABOB Jet visitor and partner logistics. Come and visit us anytime – we're here to help you in any way.
SEABOB Jet Australia
43 The Esplanade, Cairns 4870
Tel. 1800 SEABOB (1800 732262)
Email: firstname.lastname@example.com
Anthony Cascone
Tel: 1800 SEABOB (0412 367 611)
Email: firstname.lastname@example.com
Woree Service & Distribution Centre
1/23 Atticus Street
Email: email@example.com
SEABOB Jet Australia Pty Ltd is an Australian representative and distribution agent for the acclaimed SEABOB Jet product, designed and manufactured by the German company CAYAGO AG.
Based in Stuttgart, CAYAGO AG is a cutting edge boutique company, committed to remaining at the forefront of innovation at all times and the SEABOB Jet is one of its most ambitious and innovative products.
CAYAGO comprises two quite separate companies and target markets – SEABOB Jet and ROTINOR.
SEABOB Jet manufactures and distributes the SEABOB Jet for high adrenalin recreational.
ROTINOR focuses on the specialized Search & Rescue and cutting edge Military markets.
That's our parentage and we're very proud of it.
The gateway to Queensland's tropical north, Cairns is a stylish city, which is also renowned for its relaxed, tropical climate and laid back ambience.
Leap from Cairns into the World Heritage wonders of the Great Barrier Reef and the Daintree Rainforest. Relax in the resorts of Port Douglas and Mission Beach or on Lizard Island. Take the old railway to Kuranda, or follow the Great Tropical Drive to white water rivers and the Atherton Tablelands. Head north to Cape Tribulation or take the Savannah Way for an outback journey.
And of course experience the ride of your life on the SEABOB Jet at Frankland Islands
For bookings CLICK HERE
The SEABOB, the world's fastest personal underwater jet, is a German designed and manufactured electric underwater sled, with zero emissions and an almost silent operation mode. This design makes it highly suitable for operation not only on the Great Barrier Reef but within any waterway across Australia (and the world!) as it is highly environmentally friendly.
The Machine is maneuvered using simple body movements and can reach speed of 20 km/h on top of the water, 16 km/h under the water and a dive depth of up to 40m.
Depending on its application, the SEABOB Jet can also be remotely programmed to strict speed and depth parameters, making it incredibly suitable and safe for general tourism use as well as private high-adrenalin fun. The SEABOB Jet has 10kg positive buoyancy and gives the operator confidence and security in the water, regardless of ability or agility.
The SEABOB Jet machine is almost maintenance-free and simply plugs in to recharge. The average run-time per full battery charge is 105 minutes, with a full re-charge taking just over an hour with a fast charger.
There are two SEABOB Jet models - the F5 and the F5s, both of which come with a 2-year warranty and 24/7 technical service and support, for your complete peace of mind.
News and updates BLOG under construction!
SEABOB Jet Guided Tours
SEABOB Jet tours are conducted under the supervision of highly trained professional marine experts. Protective wetsuits ,masks, snorkels & fins are provided to maximise the experience of the the tour. There is a maximum of 5 guests per tour , with the duration of the tours between 30 minutes and 60 minutes.
Recharge your SEABOB Jet quickly. A Quick charger reduces the charging time of SEABOB Jet to only aproximately 90 minutes.
SEABOB Jet bag is made of strong & endurable material. It is ideal solution to protect and handle your SEABOB Jet. Bag will help you save space and made protect your SEABOB Jet during travel or storage.
The pilot belt system has been developed specifically for sporty driving in the top speedrange. This innovative belt system transforms the tremendous thrust into an exhilarating riding experience and even greater agility in the water.
SEABOB Jet Cart was designed for easy transport and handling for all SEABOB Jet models. Featuring easy mounting hooks, lightweight design, stable construction and adjustable handle.
SEABOB Jet rack is a wall or floor holding device designed for secure storage of the SEABOB Jet. It features easy fit design and horizontal or vertical installation.


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About Gallery
Contact Us
George Dannatt
George Dannatt's orderly geometric arrangements aligned him with constructivist artists such as Ben Nicholson and Naum Gabo, his closest artistic relationship being with the artist John Wells who spent time with these artists in Cornwall from 1936. Born in Blackheath, London in 1915, he qualified as a chartered surveyor in 1940 and joined the family business with a brief spell from 1940 - 1944 as a conscript in the Army. During his time as a chartered surveyor he was also very involved in music, being a freelance music critic until 1956.
From 1948 George Dannatt started visiting the South West of England, initially mainly Dorset and Wiltshire and began what was to become a long relationship with the area. In 1963 he started visiting Cornwall and associating with painters there and beginning to paint seriously. Between 1970 and 1983 he showed work regularly at the St. Ives Penwith Gallery, from 1973 also showing works at the Newlyn Art Gallery and becoming a member of Newlyn Society of Artists
His constructions from 1974 demonstrate his technical versatility and the precision and balance in his paintings is testament to the constructivist legacy, something which George Dannatt comments on in an interview with Brandon Taylor in 2000 in which he notes the almost intuitive mathematical relationships which emerge in his works. George Dannatt has exhibited in many one man and group exhibitions over the years. In 1975 he had the first three man show with John Wells and Alexander MacKenzie at the Orian Gallery Penzance, later in 1982 he had a Retrospective exhibition at the Newlyn Art Gallery.
George Dannatt died in 2009.
In recent years the importance of Dannatt's paintings has been recognised in critical circles in London and in Europe, and the exhibition at TheARThouse Gallery in 2011 was supported by the Osborne Samuel Gallery, London, and the Trustees of the George Dannatt Trust, which exists to promote understanding and appreciation of the fine arts. Early in 2011 the Trust made an important bequest of works of art to Pallant House Gallery, Chichester.
# Modern British Artists
Two Point Painting
Project for a Large Screen
Aerial Abstraction No.1
Post and Blue Horizon
Aerial Abstraction No.2
Chalklands Quarries No.3
Drawing for an Etching
September Night Sequence
Little Gouache
Blackground Series No.2/2
Contemporary Artists
Bob Aylott Photography
Catherine Barnes
Chris Billington
Andrew Bird
Stephen Bishop
Lauren Bissell
Martyn Brewster
Bonnie Brown
David Cartwright
Edgar Crump
Peter Davies
Gerry Dudgeon
Peter Joyce
David Kelly
Abi Kremer
Teresa Lawton
Ursula Leach RE
Padraig Macmiadhachain
Martin Pierce
Richard Price ROI
Sarah Purvey
Geoffrey Robinson
Clare Shervin
Roger Stephens
Hans van Bemmelen
Paul Watts Photography
Claire Wiltsher
Modern Artists
Basil Beattie RA
Sven Berlin
Alan Carter
Marc Chagall
Prunella Clough
George Dannatt
Bernard Dunstan RA
Roy Turner Durrant
Elisabeth Frink RA
Sir Terry Frost RA
Michael Gough
Larry Ham
Barbara Hepworth
James Lawrence Isherwood
Robert Lenkiewicz
John Liddell
B McDonald
David B McKay
Joan Miro
Victor Pasmore RA
Lawrence Reed
Graham Sutherland
John Wells
© 2017 Paul Watts Fine Art all rights reserved
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Section Chief's Welcome
Welcome to The University of Chicago Section of Nephrology website. Our Section is comprised of sixteen faculty members, two Ph.D. scientists, and ten postdoctoral fellows in training. U.S News and World Report has consistently recognized us as one of the top nephrology programs in the country. Our clinical practice is varied and includes activities in end-stage renal disease, renal transplantation, acute renal failure, kidney stones, diabetic nephropathy, and immunological renal diseases.
Our faculty oversees five hemodialysis centers in the Hyde Park vicinity, as well as an active home dialysis program. Our renal transplant program is very active, and provides a variety of options for renal transplantation. The Section, particularly in the areas of end-stage renal disease, transplantation and kidney stones, carries out a diversity of clinical research. Like our clinical activities, our basic science research is also diverse, and includes investigations into acute renal failure, epithelial cell transport and gene expression. In the past year, our research faculty have received nearly $2.5 million in federal research grants. Over the years we have trained an elite group of nephrologists, and presently offer various training options for fellows interested in academic careers. The pages herein will provide greater detail on each of these topics.


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Thinking maybe of getting one for an FAL tho.
Printable View
checking around the net it would seem that one of the mounts is a claw mount for the G-3 series rifles I assume the HK91/93 models but I believe its calibrated for 308 there is a mount that comes with the NVD for picatinny rails I assume thats its similar to the old weaver style I assume cause I don't know for sure, the other two mounts are for the MG-3 mg or MG42 post war variant and the panzerfaust ( bazooka) so they are useless to me
I do believe these can be fitted to fal with rails
Actually I have a FAL dust cover with the integrated rail. Locks up solid so that's what I would use. I have everything I need. Still thinking on it. Would be cool tho.
I am glad Iwrote the word assumed several times in the above post cause I was not sure if I was correct and when I am mistaken well I say so
ok the mounts that this come with are not adaptable for the picatinny rails and yes the mounts that are supplied with the scope are proper, this setup requires a Arms # 7 mount MSRP $48
of course the claw mount for the g-3 is completely correct, funny these same mounts as sold with these scopes sell for over $250.00 ( these are H&K mounts not cheap aftermarket mounts
still looking for a manual or PDF of one
Mine locked up tight on my G3, optic is super clear at 200+ yds.
Well worth the money. I may buy another.
Link to Cope's page:
Zeiss Night vision scope Cope's Distributing
This is a VERY heavy duty scope . Well made, and easy to set the scope on target.
A little on the bulky side, but for the money it's a good buy. I know what most of the
stuff on the scope is for, but it would be nice if a manual could be had.
A question was asked of how to set the scope. In daylight, install the batters, leave the front cover on, turn on. You will see your sight, and will be able to set and adjust sights.
The adjustments are on the left side, under little green rubber covers. The one for up & down will say {H] Right and left will say [S]
I have a copy of the manual for these scopes in german in PDF format
Please feel free to contact me for a copy
just like with the STG 57/Sig Amt Blueprints contact me at firstname.lastname@example.com
thanks for all of your willingness to help others in getting a manual translated.
It's people like you that help make this hobby grow.
So thanks again,
thank you for the kind words. I am a little busy, as I posted on the weaponsguild site. I took this scope out to the range but I didn't take the manual. On the H&K site one of the guys said to use the top dot for aiming, well its the second two dots used for aiming. Since it was raining in eastern Pa, I could not do long distance. but the scope worked fine. Once I can get back out and use the scope at the proper calibrated distance then I can comment further
as far as translating the manual
due to the graphic's this is a tall order, its not the translation per se, its the translations fitted with the graphic's. I will attempt this after hurricane Irene blows over
and again its for all, upon request
here's a pic the zeiss is mounted on my ar-15 carbine with a Arms # 7 stanag to weaver (pitcantiny) mount sitting on a handle mount, little heavy for the carbine


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I found my answer:
..."The G8's quickest acceleration runs were actually made with the transmission in Sport mode but left to shift itself. With the blast from zero to 60 mph taking only 5.4 seconds and the quarter-mile flashing by in just 13.7 seconds at 104 mph, this is a stupendously quick car."
The G8 picks up very fast...but loses at the top end. Figures.


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S&P Downgrades Morgan Stanley
Morgan Stanley (MWD ): Downgrades to 3 STARS (hold) from 4 STARS (buy)
Analyst: Robert Hansen, CFA
Morgan Stanley posted November-quarter earnings per share of $1.09, vs. 92 cents, above our 88-cent estimate, aided by lower tax rate and compensation ratio. Proprietary trading revenue rebounded from a depressed August-quarter but lagged our projection. We think earnings quality has declined and see a greater reliance on net interest income. We are lowering our fiscal 2005 (ending November) earnings per share estimate to $4.00 from $4.25. Our target price stays at $55, or nearly 14 times our fiscal 2005 estimate, below peers. We expect Morgan Stanley to lose market share in retail brokerage, credit card, and asset management segments in fiscal 2005 and would not add to positions.
IAC/InterActive Corp. (IACI ): Reiterates 3 STARS (hold)
Analyst: Scott Kessler
Shares were up sharply in pre-market trading, following this morning's announcement that InterActive would spin-off its travel businesses as a new publicly traded company called Expedia, pending necessary approvals. InterActive's Chairman and CEO Barry Diller would retain these posts, and also serve as Chairman of Expedia. Dara Khosrowshahi, who in November was announced as the incoming President and CEO of IAC Travel, would take on those roles at Expedia. We view favorably this proposed separation, believing it would reduce InterActive's complexity and promote greater corporate focus and flexibility.
Agilent Technologies (A ): Reiterates 3 STARS (hold)
Analyst: Megan Graham-Hackett
Agilent announced it filed a patent infringement lawsuit against Elan Microelectronics related to its optical mouse sensor technology. Agilent has pointed to its technology related to this field as it emphasizes its research and development capabilities to investors, and we believe it will vigorously pursue this case. Indeed, Agilent previously field a lawsuit against PixArt Imaging Inc., also related to the optical mouse sensor, which is pending. We continue to view Agilent as worth holding in light of what we see as its healthy cash flow and with shares trading in line with peers on a price-to-sales basis.
Barnes & Noble (BKS ): Maintains 3 STARS (hold)
Analyst: Jason Asaeda
Barnes & Noble is accepting pre-orders for J.K. Rowling's "Harry Potter and the Half Blood Prince," to be released on July 16. We look for strong sales of the book to help offset the absence of revenues next year from Barnes & Noble's former stake in GameStop Corp. Balancing the expected sales lift against the gross margin impact of the book's 40% discounted price, we are increasing our fiscal 2006 (ending January) earnings per share estimate by 6 cents to $2.10. We still see fiscal 2005 at $2.03. We are raising our 12-month target price by $7 to $34, blending our updated p-e, price/sales and discounted-cash-flow analyses.
Bear Stearns (BSC ): Reiterates 5 STARS (strong buy)
Analyst: Robert Hansen, CFA
Bear Stearns posted November-quarter earnings per share of $2.61, vs. $2.19, above our $2.13 estimate. Results were aided by strength in the fixed income area, improved equity markets, higher prime brokerage and clearing volumes, and higher asset management fees. We see increased investment banking revenue, higher net interest margins and solid merchant banking gains in fiscal 2005 (ending November) to offset a modest decline we see in Bear Stearn's fixed income franchise. We are increasing our fiscal 2005 earnings per share estimate to $9.25 from $9.00. We are raising our target price to $130 from $120, 14X times our fiscal 2005 earnings per share estimate, a discount to peers.
Micron Technology (MU ): Reiterates 3 STARS (hold)
Analyst: Amrit Tewary
Ahead of Micron's November-quarter earnings release, we see earnings per share of 23 cents for the quarter and 66 cents for full fiscal 2005 (ending August). We expect November-quarter sales to benefit from healthy unit volume gains and stable pricing. We believe that inventory within the company's distribution channel remains at relatively low levels. However, we would be watchful for a potential imbalance in supply and demand over the next 12 months, as Micron ramps 300mm production. Our 12-month target price of $13 is based on our price-to-sales model, and values the stock at a discount to its historical average price-to-sales multiple.


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James Santiago Photographer
Brittney LeilaniModel Female Houston, Texas, US
My Website: http://www.twitter.com/BrittneyLeilaniMy MM URL: http://www.modelmayhem.com/BrittneyLeilani
Mayhem # 2110929
About MeI'm an aspiring model who would like to meet with talented photographers to help with my career. I'm constantly updating my portfolio. I love photographers who are on a artistic perception of photography. I like diversity & always willing to hear any cool concepts.
On my off time I love playing video games & hanging out with friends. Traveling is my favorite thing to do. I love meeting new people. I am very easy going, laid back. I love to dance & go to the gym, I've been taking piano & singing lessons for many years.
For Booking Contact: firstname.lastname@example.com
*High fashion-
Have you worked with Brittney Leilani? Add Credits for Brittney Leilani! >>
James Santiago Photographer
Steve Locke Photographer
WeRunHouston Photographer
JohnNowick... Photographer
Buffalo Artist Artist/Painter
UNDISCOVERED Photographer
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Pay off your debt faster: balance transfer credit cards offer interest rates of 0% for up to 24 months. Here's how to choose the right one.
This guide explains how balance transfers work and how they can dramatically lower your credit card interest payments; the different types of balance transfer cards available in Australia; how to compare balance transfer cards to pick the best one for you; common concerns about these cards; mistakes to avoid with balance transfers; and how to increase the chances of your application is successful. You can calculate your potential savings with a wide range of cards in Australia using the table below.
Exclusive Credit Card Offer
Exclusive to finder.com.au, Virgin Money is offering a long-term balance transfer with a 0% balance transfer fee.
- Enjoy an exclusive offer of 0% p.a. on balance transfers for 18 months and no balance transfer fee (reverts to cash advance rate).
- Receive a $129 Virgin Australia Gift Voucher each year. Conditions and spend criteria apply.
- Earn up to 2 bonus Velocity Points per $1 spent in the first 3 months (capped at 10,000 bonus points per month).
- Pay a reduced annual fee of $64 in the first year, $129 p.a. thereafter.
- Eligibility criteria, T&Cs, fees and charges apply.
Balance Transfer Credit Cards Comparison
Compare finder.com.au's best* balance transfer credit cards
Compare the features of the balance transfer cards below.
|Credit Card
|Balance transfer
|Citi Rewards Platinum Credit Card
|0% p.a. for 24 months with 1.5% balance transfer fee
|A reduced annual fee of $49 for the first year ($149 p.a. thereafter) and Citi Rewards Points per dollar spent.
|Virgin Australia Velocity Flyer Card - Exclusive Offer
|0% p.a. for 18 months
|Get a $129 Virgin Australia Gift Voucher each year, earn bonus Velocity Points per $1 spent and pay half the annual fee for the first year.
|HSBC Platinum Credit Card
|0% p.a. for 22 months with 2% balance transfer fee
|A balance transfer credit card that offers all the perks of platinum. Earn HSBC Rewards Points per $1 spent.
|NAB Low Rate Credit Card
|0% p.a. for 16 months with 2% balance transfer fee
|A low interest rate card with a long-term balance transfer offer
|St.George Vertigo Visa
|0% p.a. for 14 months
|A low annual fee credit card with a long-term balance transfer offer
What is a balance transfer?
A balance transfer refers to the process where you transfer your existing credit card debt to a new credit card with a different bank that offers a lower interest rate for an introductory period. Generally, this promotional interest rate is 0% for a set period that can vary from 12 to 24 months.
Which type of balance transfer card is right for me?
I want the lowest interest rate
Check out these 0% balance transfers.
I want time to get my debt sorted
Look at long-term balance transfer offers.
I want low interest on new purchases
I don't want to pay an annual fee
I want to earn rewards points too
Look at balance transfer credit cards with rewards programs.
I want to calculate my repayments first
Use our Balance Transfer Calculator.
Answers to the most common balance transfer questions and concerns
How do I apply for a balance transfer credit card?
You can request a balance transfer when applying for a new credit card online or in-store. Generally, there is a section of the application dedicated to conducting a balance transfer. You'll need to include the details of your existing credit card debt on the application, including where it's from and how much you're transferring, and ask to have the balance transferred to the new card. If you're successful, your debt is automatically moved over to your new account (that process typically takes a few days). You may have to pay a balance transfer fee and an annual fee for your new card. Please note that you'll be required to meet eligibility requirements to receive approval.
What is a balance transfer fee?
Some balance transfer cards, particularly those with longer promotional periods, charge a balance transfer fee. This is a one-time fee that's a percentage of the debt you transfer to the new card. Typically this is between 1% and 3%. For example, if you had a $20,000 debt, a 3% transfer fee would cost you $600.
How much money can I save with a balance transfer?
You can compare how much you'll save in interest with the different 0% balance transfer credit cards on the market with our comparison table on this page. Simply enter the amount of debt you're transferring and the current interest rate you're paying on your existing card and the calculator built into the table will show you how much you'll save over the promotional period in the "interest saved" column.
Exactly how much you'll save will depend on the size of your debt, the length of the 0% balance transfer offer and your repayments, but you could save hundreds or thousands of dollars in interest while you clear your debt.
Do I have to contact my old bank and new bank to make the switch?
Your new card issuer can automatically handle transferring your balance. You just need to provide details of your existing card when you apply. If you want to close your old card, you'll need to do that yourself by contacting your bank. If you don't close your old account, you'll be stuck with annual fees and any other maintenance costs that come with your existing account.
What's in it for my new credit card issuer?
Credit card issuers make money when you pay interest, so why would they charge 0% when they could charge 20% or more?
Here's why:
- You'll eventually revert to a higher rate. If you don't pay off your entire debt at the 0% rate, you'll end up collecting interest at the standard rate for your card. This is usually the purchase rate or cash advance rate, which can range between 9% and 22%. Once that happens, your new credit card issuer can potentially make hundreds or even thousands of dollars from you in interest charges.
- Persuading you to switch is tough. Australians are reluctant to switch banks, and it's expensive to acquire a new customer. Offering a discounted interest rate is one of the cheapest ways for banks to attract potential customers. It's essentially a cheap form of marketing.
Can I do a balance transfer with my existing credit card issuer?
No, you can't perform a balance transfer while staying with the same institution. You also can't perform a balance transfer to other banks within the same group or owned by the same organisation. For instance, you can't transfer from St.George to BankSA and Bank of Melbourne as they're owned by Westpac, or from Commonwealth Bank to Bankwest because they're both under CommBank. Check our complete list of which credit card issuers won't allow transfers between each other to discover which issuers will accept your balance transfer.
Are there any hidden catches involved in a balance transfer?
The promotional rate for your balance transfer is locked in, so you won't have to pay higher interest rates during the offer. When the promotional offer ends, a higher revert rate will apply to any remaining debts.
Even if the card offers a 0% balance transfer rate, you will still have to make the minimum payment each month. If you only make the minimum repayment, you likely won't clear the entire debt before the promotion ends. Once it finishes, any remaining debts will start collecting interest and your balance will continue to grow.
Hundreds of thousands of Australians arrange balance transfers each year, and the process is safe. However, our guide to avoiding common mistakes with balance transfers will help you use your new card effectively.
Can I take advantage of interest-free days on a balance transfer credit card?
Most credit cards offer a set period of interest-free days as a standard feature of the card. However, you can only take advantage of interest-free days when you've paid your balance in full. So, if you're still repaying your balance transfer, you won't be able to save with the interest-free days that usually apply to purchases.
Can I request a balance transfer after submitting my application?
Yes, it is possible to transfer a balance after you've applied for the card. However, the exact terms and conditions of doing this vary between the banks. It's best to contact your bank directly to discuss your options, but you can compare some of the banks processes below:
- Citi. You can apply for a balance transfer within up to 3 months after approval and will still be able to take advantage of the promotional offer.
- NAB. NAB allows cardholders to apply for a special introductory rate for a limited time. The balance transfer promotion is only available when you complete the balance transfer at the time of the credit card application.
- Virgin. You can apply for a balance transfer offer within 30 days of card approval.
- Bankwest. You can apply for the balance transfer offer, but the length of the offer will be impacted by the date you apply for it. So, let's say the card offers 0% for 18 months. If you apply for the balance transfer 3 months after card approval, you'll only be able to take advantage of the offer for 15 months.
- ANZ. ANZ will not offer the promotional 0% balance transfer offer once you've applied. Instead, you'll be given the balance transfer offer that is offered to existing cardholders, which usually involves less competitive interest rates and offers fewer savings.
Can I get a balance transfer for a personal loan or store card?
While most balance transfer deals are for credit card debt, some credit card issuers will let you transfer debt from a personal loan or store card as well. We've rounded up the banks that offer personal loan balance transfers.Back to top
How to do a balance transfer in five steps
Follow these five steps to successfully apply for a balance transfer credit card and improve your chances of approval:
- Find a balance transfer offer that meets your needs. Use our comparison tables to easily compare a range of cards and see how much you could save.
- Check how much you're eligible to transfer. The amount you can transfer to your new account usually varies between 80% and 100% of your approved credit limit. So, if you can only transfer 80% of your $10,000 credit limit, you'll only be able to transfer up to $8,000. Contact your existing bank to get an accurate payout figure for the account. It's important to note that the final payout figure might not be the balance that currently appears in your account. Interest payments, annual fees and direct debits could impact this final balance, so it's best to contact your issuer to get an estimate of what the final payout figure will be before you apply for your new card. You'll also need to make sure that you've selected a new card that accepts transfers from your current bank and card.
- Submit your application. If you've found a balance transfer credit card that is right for you, you can click on the 'Go to site' button to be directed to a secure online application. Check out our guidelines for successfully applying to maximise your chances of approval.
- Wait for your application to be approved. Some banks can process your request and offer approval within 60 seconds of applying, but others can take between 5-7 days. If you haven't heard from the bank after this time, you may contact them to find out if there's an issue.
- Confirm transfer and close your old account. Once your new card is set up, contact your old bank and make sure the previous account is closed to avoid any further fees or interest payments. Now it's time to start repaying your debt. Use our tips for paying off your credit card debts faster to clear your debt and maximise your interest savings.
What you need to know to compare balance transfer offers
There are lots of balance transfer card deals available in Australia, so how can you pick the right one? These are the crucial features you must compare when looking for maximum savings. We include all these features when calculating your total interest saved:
- Balance transfer interest rate. This is the interest rate that will be charged on the balance transferred to your new card. Most 2017 balance transfers offer 0% interest rates for a promotional period, but some may be higher. This is often referred to as the "promotional rate" or "introductory offer".
- Promotional period. The promotional period refers to how long the low-interest rate applies. Depending on the card, this can usually range between 12 to 24 months. Once the promotional period expires, you'll pay a much higher rate (the "revert rate"). The longer the promotional period, the more time you have to clear your debt.
- Revert rate. After the promotional period ends, the remaining debt will be charged interest at the higher "revert rate". Typically, this is the standard cash advance or purchase rate and ranges from 12% to 20%. If you don't think you can repay your entire debt before the promotional period ends, you should look for a card with a lower revert rate to minimise your interest costs.
- Balance transfer fee. This is a one-time fee, charged as a fixed percentage of the debt you transfer to your new card. Typically, this ranges from 1% to 3%. Balance transfer fees are often charged for balance transfer deals with longer promotional periods. Try and avoid them if possible or at least make sure that they don't outweigh the interest savings you'll make from the 0% balance transfer offer.
- Annual fee. Most balance transfer offers charge an annual fee in advance, typically around $100. Some credit card issuers waive this for the first year. The annual fee is treated as a purchase and incurs the same interest rate as other purchases you make with the card. If there's a promotional 0% purchase offer in place, your annual fee won't accrue any interest until the promotion ends. To get maximum value from your card, make sure that the interest savings you make from the 0% balance transfer offer outweigh the annual fee.
These card features are less important, but potentially worth factoring into your comparison:
- Purchase rate: This interest applies to any new purchases made on the card. While this is usually 12% or more, some credit card issuers offer a promotional 0% rate on purchases as well. You can check out a full list of cards with that feature here.
- Other benefits: Cards may offer additional benefits such as the ability to earn reward points or free insurance for travel booked on the card. These could be tie-breakers when comparing two similar cards, but shouldn't form the basis for your decision when comparing balance transfers.
Why might my application be refused?
Financial institutions assess balance transfer applications carefully. To increase your chances of approval, see some of the factors that could cause a bank to decline your application before you apply:
- Poor credit history. You'll need a good credit history to obtain a balance transfer deal. If haven't checked your credit history in a while, you can order a free copy of your credit score here. However, if you have a poor credit history due to missed payments, defaults on your account or significant levels of debt, you might need to repay more of your debt and demonstrate your ability to make regular repayments before you apply.
- Applying too rapidly. Each application you make for a balance transfer deal is recorded in your credit history. If your application is refused, don't just apply to a different credit card issuer straight away. Instead, take some time to repay your debt and carefully compare other card options and ensure that you tick off the eligibility criteria before you apply. Follow the steps in our guide to what to do if your application has been refused to increase your chances of approval with the next application.
- Transferring to the wrong bank. If you try and get a balance transfer deal from a bank with the same owner as your current card, you'll be immediately refused. You can't transfer your debt from a Bank of Melbourne or BankSA card to a St.George card, for instance, as they're all owned by the Westpac group. Check out our full list of which banks you can transfer between before you apply.
- Cards in a different name. Your new balance transfer card must be in the same name as your current card. If you apply with a different name, such as your partner's name, you'll be turned down. If you need a card with multiple account holders, follow the steps in our guide to getting joint accounts.
To maximise your chances, follow our step-by-step guide to successfully applying for a balance transfer.
Mistakes to avoid with balance transfers
Used intelligently, a 0% balance transfer card will reduce your interest payments and get you out of credit card debt faster. Used the wrong way, your debts can actually become larger. Ensure you don't get trapped in balance transfer debt by avoiding these mistakes.
MISTAKE: Forgetting you still have to make payments
Despite the promotional period with interest at 0%, you still have a debt, and you still have to make at least the minimum payment each month. You can't simply balance transfer and then stop making payments. The minimum repayment is usually stated as "3% of outstanding balance or $20, whichever is greater".
MISTAKE: Not checking the revert rate
Once your balance transfer promotion finishes, you'll be paying the revert rate on any remaining balance. Choose a card with a revert rate that's lower than your current credit card rate if possible or make sure you repay the entire debt before the revert rate applies.
MISTAKE: Not making more than the minimum repayment
If you're only paying the minimum repayment each month, you won't be able to repay the entire balance by the time the 0% balance transfer offer ends. Then your debt will start to collect interest and it will grow again. Instead, you should calculate exactly how much you need to pay each month to repay the entire balance by the time the interest-free period ends. You can do this by dividing the size of your debt by the number of months in the balance transfer offer. This will give you a goal repayment to meet every statement period to clear the debt before the 0% promotion ends.
So how much should you pay each month? The table below shows what percentage you should pay off each month to fully clear your debt during the interest-free balance transfer period. We've also shown how much this would be for a $10,000 debt. For this example, we're assuming no new purchases are being made with the card.
|% of total to repay each month to clear debt
|What that would equal per month on a $10,000 debt
|6 months
|9 months
|12 months
|14 months
|16 months
|18 months
|20 months
|24 months
The key lesson? Budget as much as you can towards paying off your credit card debt while the promotional rate applies. If you haven't paid everything off, it's possible to apply for another balance transfer.
MISTAKE: Putting new purchases on your card
Adding new debt will slow down your ability to repay your card. Don't buy anything new on your credit card that you can't immediately pay off in full. Also, banks are required to allocate repayments to whichever debt is accruing the highest interest on your account. So, if your balance accrues 0% interest and your purchase collect the standard interest rate, your repayments will go to the purchases rather than your balance transfer. Even if your card has a 0% rate on new purchases, you should concentrate on repaying your debt rather than making more purchases.
MISTAKE: Not considering all applicable fees
While you won't be charged interest with a 0% balance transfer, you may have to pay annual fees and a balance transfer fee. Make sure you consider these when choosing a balance transfer deal. Don't dismiss cards purely on the basis of fees. Use our calculator, which compares the total costs for cards, to find the right deal for you.
MISTAKE: Keeping your old card open
It's tempting to hang on to your old card "for use in emergencies". Realistically, if you've run up debt on it before, you're likely to do so again. Cancel the card and concentrate on paying off your balance. Remember to transfer any regular payments. Ask your old bank for the final payout figure so you don't have any leftover debt.
Answers to the most frequently asked questions about balance transfers
Applying for balance transfers
- Q: Can I transfer my balance to my partner/spouse?
A: Yes. Providing that both you and your partner/spouse are already using a joint-account credit card. Read our full guide and find out which banks will allow this type of balance transfer. However, you usually can't transfer a debt that is in someone else's name to a new account that is under your name.
- Q: Which banks can I balance transfer to?
A: The key rule that decides whether you can balance transfer to a bank is whether or not your existing bank belongs to the same credit provider. For example, balance transfers are not allowed between St.George, Bank of Melbourne and BankSA since Westpac is the credit provider. Find out which banks won't accept your balance transfer.
- Q: Can I apply for another balance transfer offer with the same bank after my current promotion has ended?
A: No. Existing customers are ineligible to apply for balance transfer offers with their existing bank. However, if you balance transfer to a different bank, when this balance transfer promotion has ended you will be able to transfer to the first bank again.
- Q: Can I transfer a credit card balance from overseas to an Australian account?
A: No, you can only transfer balances from credit cards issued in Australia.
- Q: How long will it take for the old balance to appear in my new account?
A: While you could be approved for your credit card within 60 seconds, it can take between 1-2 weeks for your old balance to appear in the new account. Please note that the 0% balance transfer offer applies as soon as your card is approved rather than when your balance is in your account.
Using balance transfers
- Q: Can I make purchases interest-free whilst repaying my balance transfer?
A: Unfortunately, you can't take advantage of the standard interest-free days feature when you have an outstanding balance. However, some cards do offer promotional 0% offers on both purchases and balance transfers. You can compare credit cards with interest-free purchases and 0% balance transfers here.
- Q: How often should I make repayments and how much should they be?
A: You should make repayments by the due date detailed on your bank statement each statement period. While you're only required to pay the minimum repayment, you should always aim to pay more to clear your debt faster. This is especially important when you're using a 0% balance transfer offer that will only apply for a promotional period. To avoid paying interest on your debt, you should calculate how much you need to pay each month by dividing the size of your debt by the how the length in months of your promotional period. This will give you a goal repayment to make each month to repay your balance before the promotion ends.
- Q: Can I repay my card before the balance transfer period ends?
A: Yes, you can repay your balance as early as you'd like. In fact, it's wise to clear your debt as fast as possible to avoid the revert rates and any additional interest costs. Unlike a fixed schedule personal loan or home loan, there are no penalties for clearing your credit card debt ahead of time.
- Q: Which transactions do my repayments go towards first, purchases, cash advances or my balance transfer?
A: Banks will allocate your repayments to the highest rate of interest first. This means that with a low interest rate balance transfer promotion, repayments will usually go towards purchases and cash advances first. As a result, it is ideal not to make other transactions when repaying a balance transfer to ensure that all of your repayments are dedicated to clearing your debt.


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Having defined the requirements of the job and communicated this to the people who need to know, you can consider how you are going to recruit. Effective recruitment involves knowing what it is that you want.
You will need to identify sources of potential recruits. These might include:
In most cases you will probably advertise in the local newspaper and/or use the Job Centres, depending on the sort of person you are seeking. There are a number of ways in which you can gather information about candidates, including: CVs, application forms, references, tests and interviewing. A summary of the recruitment and selection process is shown below.
Only you can decide what particular channel or channels are appropriate for the job that you advertise. All have their advantages and disadvantages. Some people, for instance, would never entertain speculative applications because many come from unemployed people. You should, however, in the interests of common sense as well as fair practice, try to reach as many of the type of candidate you want as possible. Don't disqualify before the selection process - or, indeed, at any stage - on the basis of your own prejudices.
Recruitment advertising of any sort is about creating and managing the right impression with your potential candidate pool. At a minimum, this means disclosing the right information to this pool. Potential candidates will need to know:
If you fail to meet these criteria, you may, at a stroke, alienate suitable candidates, attract unsuitable ones and leave people with a sense of your incompetence. For example, a company once placed an ad in a national daily newspaper advising candidates to re-apply for a post because the original application forms had been stolen. Whilst this may have been honest, one has to question the wisdom of creating this type of impression.


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I'm a single woman in my late twenties. I'm planning a solo road trip through the American South this summer. I've been all throughout the West and Southwest, but this will be my first time going East. The trip will be about 15 days but will move at a quick pace. Here is my plan in order, starting in Texas:
New Orleans
Montgomery and Tuskegee
Savannah, GA
Charleston, SC
Wilmington/New Bern/Greenville, NC
Richmond, VA
Morristown/Jefferson City/Knoxville, TN (family is from here)
Little Rock
I'm interested in history (especially the Civil War) and art museums, interesting shopping, great zoos, and authentic food. I'm not into tourist traps, expensive/fancy restaurants, or time-sucking activities.
I'm already planning on going to the Freedom Riders Museum in Montgomery, the Andersonville Memorial along the way to Savannah, and the Boone Hall Plantation outside of Charleston.
What do I need to avoid / not miss along the way?
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Southern Solo Roadtrip
I'm a single woman in my late twenties. I'm planning a solo road trip through the American South this summer. I've been all throughout the West and Southwest, but this will be my first time going East. The trip will be about 15 days but will move at a quick pace. Here is my plan in order, starting in Texas:
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You missed one historic site in Tennessee. For Civil War history you must see Chicamauga on the south side of Chattanooga. You can approach from the south from either Georgia or Alabama or from the north from Knoxville.
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For some Civil War sites, just outside of Wilmington, NC is Fort Fisher, Charleston of course has Sumpter and there is a very nice park in town where the city folks watched the shelling and of course the "Glory" beach. The mountain in Chattanooga has a nice hike too.
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You'll want to go to Beauvoir in Biloxi.
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Around Nashville, check out Carnton Plantation in Franklin. If you've read The Widow of the South, it's based on the same family (not sure how loosely). For interesting shopping, head to Hillsboro Village, 12 South or East Nashville.
Memphis has a good zoo. Sun Studio and the civil rights museum are my top two there.
If you're looking for specific food recommendations - what do you define as an "expensive" restaurant? Some people think a $25 entree is ridiculous, some people think it's reasonable, so a dollar amount would be helpful.
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Thanks for the info!
I wouldn't want to spend more than about $40 (with tip) at a restaurant for this particular trip.
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I live in Nashville, and that would cover the vast majority of places here, at least for an entree plus a drink or app/dessert. Most of the entrees even at the nicer places will be around $25, and there are many less expensive places. On the nicer end,
- East Nashville: Margot, Holland House, Lockeland Table
- Downtown/Germantown area: City House, Germantown Cafe, Rolf & Daughters, the Southern; Husk, which is currently just in Charleston, will be opening a branch here in the spring
- West End/Vanderbilt area: Sunset Grill, Cabana, Tin Angel
On the cheaper end, some of my favorites are Burger Up (12 South), Fido (Hillsboro Village), and Baja Burrito (100 Oaks, not near anything touristy but close to I-65). If you're looking for Southern food, try Monell's in Germantown, Arnold's on 8th Avenue, or the Loveless, which is a drive west of town. Could be a good stop on your way to Memphis. Also check out nashvilleoriginals.com and see which ones appeal to you. There are a few in Franklin as well, so if you wanted to combine a trip to Carnton with a restaurant down there you could.
Charleston has tons of great food, and there are lots of threads here discussing it if you do a search in the box above.
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The Freedom Riders Museum in Montgomery may be good, but DO NOT MISS the Civil Rights Memorial at the Southern Poverty Law Center in Montgomery. It is the most moving and appropriate memorial next to perhaps the Vietnam Wall.
I do not see how you can do this in that time. You have 11 cities and 15 days. HMMMM.
I think Richmond is the outlier here, at the very least. And probably Wilmington, New Bern and Greenville also. Just 'way too much distance for the benefit.
Charleston deserves a little look--more than you seem to have so far. From Charleston I would just head up I26 to Ashville and on to Knoxville to complete your loop. On that road you could stop in Columbia SC for the Riverbanks Zoo.
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Have you mapped this out? That's a lot of driving. Montgomery to Savannah is about 5.5 hours, Richmond to Knoxville is over 6.
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W/the emphasis on 'road' ? as that is all you are going to see.
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and your starting in Texas? where are you starting from? I don't think you have the time to hit all these locations. Choose the mid south and make a trip to Charleston and Virginia some other time.
You may want to consider adding Natchez and Vicksburg. I found the Civil War stuff in Vicksburg fascinating. Also, if you are into the civil war, don't miss Franklin outside of Nashville.
I'd cut your trip off at Alabama and drive north from there. Still lots of driving, and I'm not sure with all that driving you've actually given yourself time to actually see anything. You really should map it out. Google maps makes it easy to add stops and figure out driving distances.
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There is a lot of difference if you are staring in Texarkana compared with El Paso.
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Thailand > South > Phangnga >
Ao Phangnga National Park
At the Customs Check Point Pier one can find boating services operated by private enterprises (besides the pier, one can use the Surakul Pier or Kasom Pier in Amphoe Takua Thung). Those who travel as a big group tour should use the boating service at the Customs Pier because suitable vessels are available there. Sightseeing route will commence from the pier passing Khao Machu, Khao Khian, Ko Panyi and stops will be made at Tham Lot, Khao Tapu, Khao Phing Kan.


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Vestigial Media Photographer
TheChemistModel Female Richmond, Virginia, US
My Website: See all my photos HEREMy MM URL: http://www.modelmayhem.com/SadieStClaire427
Mayhem # 1250924
About Me[b]ATTENTION![/b]
I am rarely on the internet as of late, and cannot respond to all messages in a timely fashion. Please be aware of the possibility that I may not check my MM until after a photoshoot has expired.
I DO NOT own a car and am at the will of the time/location of a shoot! Please plan shoots as far in advance as possible so that I may figure out transportation!
I also work a bartending job with a weird schedule (with late night shifts).
PLEASE schedule shoots AS FAR IN ADVANCE AS HUMANLY POSSIBLE!
I will need to give you all my hours so that we may find time to make some photographs! :)
My full portfolio (including my most current work) can be seen on [url=http://thepaminator.deviantart.com]Deviant Art[/url].
Follow me on [url=http://thepaminator.tumblr.com/]tumblr[/url]!
Friend me on [url=http://www.zivity.com/models/PamelaFace]Zivity[/url]!
My name is Pam aka The Chemist, and my burlesque alter ego, Sadie St Claire.
I am a FULL TIME COLLEGE STUDENT and am primarily looking for [b]PAID[/b] work at this time!
Modeling is my most lucrative [b]hobby[/b], and I put all my energy and passion into it.
My rates are very reasonable, so message me for more details. Rates are negotiable based upon the concept.
Please do not be offended if I present you with my rates. My time is valuable to me (and limited) but I will make it worth your while!
I will also [b]consider[/b] working for trade. This includes sets for Zivity.com, wardrobe of my choice (shoes, corsets, latex), publications, plane tickets for travel, or if you can provide a MUA AND STYLIST for our shoot.
[b]I reserve the right to turn down any shoot, TF* or paid, for any reason I see fit.[/b]
[b]ALL NUDE PHOTOGRAPHY IS DONE AT MY DISCRETION!![/b]
If I do not know you personally, or am not personally familiar with your nude work, I WILL NOT shoot nudes with you.
Nude work will [b]NEVER[/b] include crotch shots (showing inner or outer labia), spread leg shots, masturbation, or penetration. This is NON-NEGOTIABLE.
[b]ART NOT PORN[/b].
[b]Body Modifications:[/b]
-Purple teddy bear and signature (Front of R arm)
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[b]Fun Facts:[/b]
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As I read on another model's site:
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DO NOT TOUCH ME.[/b]
I can take direction.
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Credit Notes-4 page spread in Quick Fix (Fixation Magazine) Issue 2
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For expats of all colours, shapes & sizes Forum Blog Find house
Karen ViversMember type
Country of origin
Passionate about food in Amsterdam. I give healthy cooking lessons, weight loss programmes and shopping tours. I love helping expats (and Dutch) get the best out of food in the city!
Company / Organisation
The Cooking Coach
Contact informationLinkedIn: http://www.linkedin.com/in/karenvivers
Twitter: @TheCookingCoach
Google+: my google+ profile
Website: http://www.thecookingcoach.eu
Karen wrote:
- Lekkere lunch!
- Easter brunch recipes
- Turkey leftover recipes
- Sensational summer drinks
- Some summer pasta recipes?
- Queen's Day: The day after
Lately, Karen:
- Commented on "Short-stay rentals in Amsterdam under threat" . October 2013
- Published "Lekkere lunch!" . April 2012
- Published "Easter brunch recipes" . April 2012
- Published "Turkey leftover recipes" . December 2011
- Commented on "Sensational summer drinks" . September 2011
- Published "Sensational summer drinks" . August 2011
- Published "Some summer pasta recipes?" . July 2011
- Published "Queen's Day: The day after" . April 2011
- Commented on "Cutting your cooking chops in a new land" . March 2011