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Echo Beach has got a big ol apple bottom and is an all-around easy keeper. He has a soft quiet demeanor and is not standoffish but he is not the in your face seeking attention type either. He is more laid-back. He is turned out with Cerise's Prince and is the quieter of the two in turn out. Cerise likes to get spunky and run while Echo prefers to stand and graze. Echo does not have any stall vices.
Under saddle Echo is willing to please and has a beautiful large stride. He has three comfortable gaits and just needs supporting leg to keep him moving forward. He reaches for contact with the bit and gives to the hand. He is also happy to go along with a very light contact. In the arena he is nearly unflappable. First time out on the trail there was some mild side eye and a couple snorts the first time out and about but the second time he was an old pro. He likes trail riding with buddies and also enjoys low level dressage work. He is best suited for flat work and pleasure careers. He is a pleasant ride and companion for an intermediate rider!
Echo Beach is Retrained & Remarkable Challenge eligible. As such he will receive a shipping credit of up to $500, and an invitation to compete in Challenge-specific classes at the 2019 New Vocations Charity Horse Show Series . R&R adopters who choose to participate in the competition will be eligible to compete for $5,000 in cash and prizes; they will also receive a FREE stall at the Charity Horse Show and FREE entry into Challenge classes.

subset: commoncrawl


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According to our knowledgeable but unpretentious former sommelier tour guide, grapes don't need a hot climate to grow in. When the owner of Chiltern Valley Winery, David Ealand, purchased Old Luxters Farm in the early 1980s, a survey of the land revealed that the soil was ideal for growing grapes or rhubarb. Crumble may be delicious, but it's not as profitable as the hard stuff, so David made the sensible choice and went into wine production. Three decades later, Chiltern Valley produce 120,000 bottles a year, have won over 600 awards around the world and even have a Royal Warrant - apparently Prince Philip enjoys a glass of their Old Windsor Ale with a pie. In addition to making white, red, sparkling, blush and rose wines, they also produce bottle-conditioned real ales and a range of liqueurs.
Tours of Chiltern Valley begin with a potted history of the company, which is still a family run operation, before moving on to a visit to the micro-brewery, wine press and bottling and labelling room. The entire production process happens on site, and 90% of the company's sales are made through the shop at Old Luxters - the only other stockists are Windsor Farm Shop and Fortnum & Mason.
Suitably informed about the beer- and wine-making processes, we headed into the shop for the real reason for everyone's visit: the tasting. Our guide had definitely whipped up plenty of enthusiasm for Chiltern Valley's wines, but would they live up to our now rather high expectations? We started with a dry white wine (£8.95): and dry it was. It was crisp and delicious. I have no idea about its floral bouquet or any of that malarkey (and nor were we fed any such information, although several of our fellow tourists were doing a lot of swirling and sniffing), I just know it tasted better than anything I've had in any of Oxford's pubs recently and that I bought a bottle at the end of the tour. The blush and rose were less impressive; one a little bitter and the other too sweet, but the medium dry white was another hit and the special cuvee very drinkable. The sparkling wine (£19.95) was the star: produced in the same method as champagne, it could certainly have taken on its French counterpart. The dessert wine, Autumn Glory, was similarly delicious. I passed on the two ales, but my tasting partner J informed me that they were excellent, so I'll take her word for it. Damson vodka (£17.50) was a surprise hit, as was the wild strawberry liqueur (£18.50). As soon as our guide mentioned pouring it over vanilla ice cream, J & I had to resist a strong urge to whip out our credit cards there and then. We finished strong: an Irish cream liqueur that made Baileys taste synthetic and pathetic. Chiltern Valley's Irish cream is almost indecently creamy, with a caramel taste that comes from the specially blended whiskey they use.
If you're looking for a day out with a difference and can find a designated driver willing to limit themselves to dainty sips (thanks J!), Chiltern Valley Winery is well worth a visit. Tours are interesting and informative, and the quality of the wines we sampled made me wish that English wines were far more widely available. I might just have to start drinking local.
Tours are £12.50 per person and must be booked in advance. The shop is open daily.


text:
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Choice of meat unless specified
Chicken, Pork, Tofu, Veggies ..............$11.95
Beef ......................................................$13.95
Prawns .................................................$13.95
Pad Thai
Stir-fried rice noodles, egg, bean sprouts, onions, peanuts
Pad See Ew
Stir-fried wide rice noodles, egg, Chinese broccoli, black soy sauce
Pad Kee Mao
Stir-fried wide rice noodles, egg, onions,Chinese broccoli, basil, red bell peppers
Rama Noodle with Peanut Sauce
Stir-fried wide rice noodles & broccoli. Served with peanut sauce.
Pad Ba Mee
Stir-Fried Egg Noodles with Egg, and Vegetables.
Pad Woon Sen
Stir-fried bean thread noodles, celery, onions, broccoli, carrots, napa cabbage, tomato,
pineapple, and egg.
Goy See Mee
Gravy egg noodles, Topped with mushroom, bamboo shoots, and Vegetable.
Rad Na
Sautéed with broccoli, carrots & yellow bean sauce mixed with gravy: served over wok fried wide noodles
Tom Yum Noodle Soup
Rice noodles, bean sprouts, peanuts, lime juice, green onion and Cilantro in our home-Made broth.
Wonton Noodle Soup
Fresh wonton stuff with ground chicken, shiitake mushroom, and egg noodle. Served in a hot broth with baby bok choy $10.95
Yellow Curry Noodles
Wok-fried wide rice noodles, ground chicken, yellow curry powder, tomato, onion, peas & carrots with homemade gravy $11.95
Kao Soy (Curry Noodle Soup) **
Steamed egg noodles with chicken in yellow curry sauce and coconut milk.
Garnished with pickled Mustard greens, shallots, Cilantro, and fried garlic. $11.95
Beef Noodle Soup
Sliced beef, noodles & fresh bean sprouts in a steaming beef broth. $13.95
Duck Noodle Soup
Egg Noodle with baby bok choy, sliced roasted duck, served in a hot duck broth. $12.95


text:
More Information
Devoting themselves to their studies during the day, they then report to the company after school to take part in a crucial project, the development of prototype variants for rockets. This is the Kirishina Corporation's Advanced Technological Development Department, Educational Development Class, a.k.a. A-TEC. A-TEC's chief, the young engineering genius, Kaito Sera, is also the homeroom teacher of the A- TEC students attending the academy, affectionately (?) known as the Raving Rocket Teacher.
The story begins with the arrival of a transfer student to A-TEC.
The A-TEC members are ready to welcome their new classmate, but the student in question is kidnapped en route to Mars. Determining that they themselves will have to be the ones to overcome this crisis, Kaito and the A-TEC students embark on an unprecedented rescue mission.


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A couple of weeks ago, I was walking through an asphalt parking lot and saw a young boy about five years old following his parents. He crouched down, scooped up a handful of asphalt gravel in his little hand and shoved it into his pocket. I'm sure that decision required some explaining later, and hopefully the conversation took place before the shorts went through the wash.
Natural Treasures on Display
Besides the occasional handful of gravel, kids can enjoy collecting natural objects. When I was a kid, I kept containers filled with all sorts of treasures in the garage, and … Read more


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When getting dressed - It's all about individual style and striking accents. Be inspired by last Spring's Glam-Fans at Mercedes-Benz Fashion Week when concocting your own catwalk creations.
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This home, like all our homes, can be customized to suit your needs and desires.
This charming home offers maximum curb appeal, a spacious floorplan, and a variety of architectural features to choose from. Work with our architectural designer to customize the elevation and interior to make it uniquely your own.
Copyright © 2011 - 2019 Robert Lucke Group


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Tired feeling a little silly just posting a rando CL find. NMNA. $2k.
oh yeah the title was cut an paste so sorry for if I didn't catch any spelling mistakes.
I need to get the new engine in mine soon, they are a lot of fun to ride.
That is a funny line. Wonder if he is serious about the mileage and never riding it.
I'm always amazed at the price premium on those things, I guess it's proof of their popularity over other similar trail bikes of the era.
They are a blast, but I have to admit, I was expecting BMW content.
No offense intended!
Maybe I'm just stuck latched on to prices from another time, but when I see the prices on some things, I always think for that it is, it should be worth half of what they're asking.
It's still cool though.
The prices are definitely crazy. I wouldn't have mine if i hadn't found it for $100. The stock engine lost compression so i bought a lifan 125 for $250, just need to put it together.
Dad bought one new and I learned to ride gravel on it. While I have fond memories of it, I wouldn't want one today. There is no type of riding I do where that thing would be practical or even enjoyable.
You'll need to log in to post. Log in


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"COPPA" refers to a United States federal law called the "Children's Online Privacy Protection Act". The law applies to the online collection of personal information from children under 13.
Children under 13 years of age are not permitted to use our service and sign-up through this website. We do not knowingly collect any information from children under 13 years of age. If You are under 13 years of age, you are not permitted to submit Personal Information to us.


text: Coveted WestBay "Key Largo" floor plan in Starling at FishHawk Ranch! This beautiful home exudes luxury & sits on an oversized .31 acre corner lot w/fabulous curb appeal including pavered driveway & attractive elevation! Directly across the street is a large open park, perfect for a game of catch with the kids or a wonderful walk for your dogs! Inside you will quickly notice there is an abundance of builder upgrade's! Whole home audio, neutral paint colors, crown molding, wide baseboards, 12' ceilings, plantation shutters & tile flooring throughout! A formal dining area greets you as you enter the home. Office could also double as a formal living area! Model kitchen offers granite counters, 42" Cherry cabinets with crown, walk-in pantry & a large center island w/breakfast bar seating! This amazing space is also open to the family room & eat-in nook area, this home was made for easy living! Great room truly highlights the outdoor space with 4 door sliders leading to the lanai! The master suite is truly a retreat w/custom molded ceiling, sitting area & his & hers walk-in closets w/built-ins. Attached bath boasts dual sinks, garden tub & walk-in shower! A large bonus/retreat can be found at the back of the home with private exit to the screened lanai! Three way split floor plan is great for family members & guests alike! The outdoor living is fabulous with screened & pavered lanai featuring beautiful water fountain & pre-plumbed for a pool! Beyond the screened lanai is a romantic pergola in the lush yard!


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« older | Main Largehearted Boy Page | newer »
May 31, 2005
22 Down, 30 To Go (52 Books 52 Weeks)
The Big Bento Box of Unuseless Inventions is an amazing collection of pop art. Kenji Kawakami creates Chindogu, inventions that follow ten tenets:
1. A Chindogu cannot be for real use
2. A Chindogu must exist
3. Inherent in every Chindogu is the spirit of anarchy
4. Chindogu are tools for everyday life
5. Chindogu are not for sale
6. Humour must not be the sole reason for creating a Chindogu
7. Chindogu is not propaganda
8. Chindogu are never taboo
9. Chindogu cannot be patented
10. Chindogu are without prejudice
The resulting inventions photographed in this book range from earplug earrings to Swiss army gloves. The book is filled with cleverness, and was enjoyable from the first page to the last. An immensely fun book, I will be giving this as a gift to several friends this year.
My next book is Drop Dead Cute, a collection of ten cutting edge female Japanese artists.


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P Sudhakaran | TNN | Aug 29, 2017, 10:08 IST
KANNUR: With the advent of nanotechnology, researches on synthesis of nanoparticles have also gained prominence of late.
Now, a research work by R Sithara, who is pursuing MTech at department of chemical engineering, National Institute of Technology, Tiruchirappalli, has found that silver nanoparticles (AgNP) can be synthesized from silver nitrate in an economical way.
Silver nanoparticles are used in antimicrobial coatings, textiles, wound dressing and biomedical devices.
Sithara, her research guide P Sivashanmugam and fellow students P Selvakumar and C Arun claimed that Acalypha hispida (chenille plant, or cat's tail), a common plant, could be used as reducing agent in the process. S Anandan, a teacher from the nanomaterial and solar energy conversion lab of the department of chemistry at the institute, too supported the claim.
The paper, 'Economical synthesis of silver nanoparticles using leaf extract of Acalypha hispida and its application in the detection of Mn(II) ions', published in the latest issue of Journal of Advanced Research, opens up new possibilities in the eco-friendly and economical synthesis of the nanoparticle, along with its application in the detection of manganese ions.
Though the green synthesis uses a variety of reducing agents, including cow's milk, plant extract, microbes, and others elements, the usage of green plant extract has acquired significance due to its availability, cost effectiveness among other advantages, said Sithara, a resident of Edapal in Malappuram.
"Acalypha hispida was used as it is a common plant that can be cultivated everywhere," she said. This makes the study significant as no other research study using the ornamental plant has been reported so far.
"Unlike the conventional practice of boiling to get leaf extract, here the leaves were washed in double distilled water, crushed using a mortar and pestle after addition of 100 ml methanol, to ensure the quality of nanoparticles," she said.
The project has been selected for funding by Tamil Nadu State Council for Science and Technology (TNSCST).


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Do you want to know more? Or book us for an event?
You can reach us by using our contact form or send us an e-mail at either of the following addresses
or call us
tel: (+46) (0) 46 128878
cell: (+46) (0) 709 586147
Peta Axelsson
Fredrik Andersson
A multi-talented musician. Freddy keeps us laughing with his charming fun-loving personality.
Johan Andersson
A musician with a strong stage presence who radiates great energy and joy in performances.
Hanna Einarsson
A great drummer and talented percussionist who always keeps the beat!
Josefine Gellwar Madsen
Wonderful dancer and singer with a great interest in the theatre. A free spirit!
Otto Gumaelius
Born and raised in Botswana, his enthusiasm and expertise brings a real taste of Africa.
Viktor Karlsson
A serious musician who loves to teach marimbas. A great rock guitarist too!
Tomas Lindqvist
Marimba teacher and great organiser who keeps us in line with his generous nature.
Sophie Nilsson
Her warmth and fun loving nature expresses itself in her great performance skills. The crowds love her!
Hanna Ringdahl
A great musical talent who plays many instruments and dances like an African!
Anna Wolanska
A brilliant player who loves to laugh and enjoy life. A truly creative, musical mind.
Anna Forsvall Lundmark
Our teacher of West African drumming and dance who always inspires and encourages us!
Peta Axelsson
Founder and leader of Zimba Marimba Band, was born and raised in Zimbabwe. She introduced the African marimba into the school system in Sweden and has worked in Southern Africa, Europe and the USA to devise methodologies for multicultural music education. Her passion for the people and music of her homeland has inspired her to spread the knowledge and experience of this wonderful instrument wherever she goes.


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Valisette vide pour 170 fioles maxi. avec 2 inserts en plastique
» Two supports, each capable for 85 phials.
» Stowable and individually removable supports.
» Solid supports allowing perfect and clearly
access for fast and effective working.
» Trial phials are easy to remove and to be put back
by the use of one hand.
» Every label is well readable.
» Contact of phials underneath each other not feasible.
» Drop out of phials at intended use not possible.
» Neutrally, absolutely odourless and extremely
break-proof plastic.
Patentnummer: DE102007049127B4


text:
Welcome to Super Castles Adelaide - Jumping Castle Hire Adelaide - Water slide Hire Adelaide - Bouncy Castle Hire Adelaide
Adelaide CBD
Port Adelaide
North East Adelaide
South Adelaide
South Coast Adelaide
South Adelaide Hills
You'll love our super slides - these mega inflatable slides are great fun for everyone!
If you need more information about our slides, please don't hesitate to contact us - we're waiting to help! If you need anymore info give us a call 0408 408 325
All Rights Reserved 2019


text:
NCRI Staff
NCRI - When Donald Trump appointed John Bolton as National Security Advisor, it sparked much debate in American foreign policy circles.
This is especially prominent because of the upcoming deadline on the Iran nuclear deal (aka the Joint Comprehensive Plan of Action or JCPOA).
Bolton, a noted Iran hawk who opposed the JCPOA and supports regime change in Iran, is likely to convince Trump to pull out of the deal – not that Trump needed any convincing.
So the debate over Bolton's appointment is less about his character or his suitability for the position and more a debate over the future of the nuclear deal. Thankfully, Bolton and Trump recognise that the Iranian Regime cannot be reasoned with and that regime change is the only option for peace in the Middle East.
A firm policy on Iran that supports regime change need not involve military action. Targeted sanctions and support for the legitimate Iranian Resistance will allow the Iranian people to topple their own dictators.
After all, there is already a government-in-exile that is ready to stabilise Iran from the moment the mullahs fall until the elections can be held. That is the National Council of Resistance of Iran (NCRI).
Just to be clear, the Iranian people are calling out for regime change, as evidenced by their ongoing nationwide protests. The Regime has blamed their enemies for inciting the protests, but seem not to realise the Iranian people are the biggest enemy of the Regime.
Supreme Leader Ali Khamenei has even been forced to admit that banned opposition movement the People's Mojahedin Organization of Iran (PMOI/MEK) enjoys strong support in Iran, despite the mullah's brutal efforts to eliminate the MEK.
This elimination campaign is most obvious in the 1988 massacre, when the Regime slaughter 30,000 political prisoners affiliated with the MEK in just a few months.
The MEK not only enjoys strong support in Iran, but also outside. Politicians from any number of political parties across the world support the MEK, which is the largest group in the NCRI, and routinely advocate for their governments to support the Iranian Resistance.
One such politician is Bolton, who spoke at the NCRI's Free Iran gathering in Paris last July and told the 100,000-strong crowd that the Iranian Regime would not live to see it's 40th birthday in 2019. Now it appears, Bolton is helping his promise become a reality.
Ken Blackwell, who served as US Ambassador to the United Nations Human Rights Commission in the George H. W. Bush Administration, wrote on CNS News: "This shift could not be more timely. Iran's recent nationwide uprising was not a one-off event…. At this exceptional juncture, we must recognize that the mullahs can be subdued, and that the US can put itself on the right side of history by supporting Iran's domestic push for a free, democratic future. To do so would be a triumph for the Iranian people, for American interests, and for the Middle East as a whole. Such an accomplishment would indeed go down in history, and be acclaimed by all Americans and all defenders of democracy, whatever their politics."
Posted in Iran & World


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A supply ship bearing John Glenn's name arrived at the International Space Station on Saturday.
Astronauts used the station's big robot arm to grab the capsule, as the craft flew 250 miles (400 kilometers) above Germany.
NASA's commercial shipper, Orbital ATK, named the spacecraft the S.S. John Glenn in honor of the first American to orbit Earth. It rocketed from Cape Canaveral, Florida, on Tuesday with nearly 7,700 pounds of food, experiments and other goods.
Berthing of S.S. John Glenn #Cygnus to Unity module of @Space_Station is complete! pic.twitter.com/FKVK9QY2hA— Orbital ATK (@OrbitalATK) April 22, 2017
The ship was scheduled to arrive at the space station Saturday morning.
Glenn died in December at age 95 and was buried earlier this month at Arlington National Cemetery. His widow, Annie, granted permission for Orbital ATK to use his name for the Cygnus spacecraft.
The ship also delivered Glenn memorabilia to the astronauts living on the space station, including commander Peggy Whitson who on Monday will break the record for the most amount of hours spent in space by an astronaut.
The S.S. John Glenn will remain at the orbiting outpost until July, when it is let go to burn up in the atmosphere.
--The Associated Press contributed to this report.


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Until the day I die I will always love the bikini. It's the most perfect way of showing off the exact proportions of a woman's body. Case in point is Catie Minx in a bikini – you can see every inch of her tight little teen ass!
Catie Minx must work out!


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Dilapidated docks, creosote piles to be removed from Chambers Creek, Steilacoom waterfronts
Work began Thursday to clean up the shoreline at Sunnyside Beach Park in Steilacoom and will start next month at Pierce County's Chambers Creek Regional Park in University Place.
On the Steilacoom waterfront, the cleanup effort will remove 32 creosote piles. In University Place, it will take out two docks, including almost 800 creosote piles.
The dilapidated docks and piles date to a time when gravel mining dominated the waterfront.
In Steilacoom, the piles are remnants of what was a conveyor belt that carried sand and gravel from the hillside to the water. For close to a decade, Town of Steilacoom leaders have discussed removing the creosote piles that jut out from its most popular waterfront park.
Town officials reached out to the state Department of Natural Resources when they learned DNR was working with Pierce County to remove the unused docks at Chambers Creek through the state's creosote removal program.
It made sense to combine the projects because of their proximity, Steilacoom Mayor Ron Lucas said.
"We're just happy that we were included in the project with DNR and we welcome the continued efforts to take those kind of irritants and pollution items out of Puget Sound," Lucas said.
Eliminating the piles removes the ecological issue of creosote seeping into the water and damaging the surrounding habitat, Town Administrator Paul Loveless said. It also removes a navigational hazard.
"We have a lot of kayakers and small boaters that go through there," he said.
Removing the piles helps restore intertidal and near-shore habitat and improve overall water quality, according to the state.
The work on the Steilacoom waterfront is expected to finish by the end of the month. The beach will remain open during the work, but access will be restricted near the piles.
When work wraps up in Steilacoom, focus will shift to the 2.5-mile beach at Chambers Creek.
Referred to as the north dock and south dock, the structures have a combined 12,150-square-feet of decaying deck. The deck and almost 800 creosote piles and associated concrete structures and piles will be removed by the end of the project. Beach access will be limited in the area around the removal efforts.
The docks, which are not used, block the natural movement of sediment and create unwanted shade along the critical near-shore habitat.
Because purple martins nest in the area around the south dock, work on its removal will not begin until nesting season ends, typically in September. If the birds are still around when work is set to begin, contractor Orion Marine Contractors Inc. will start with removal of over-water structures at the north dock.
Work will begin on the north dock on Oct. 1.
The project is expected to be complete by Jan. 1.
Pierce County will use a $2.5 million appropriation it received from the state Legislature to help pay for the work. The county will also contribute $788,800 for onshore cleanup work. DNR will use $1.7 million to remove the in-water piles and docks.
Last year Pierce County removed another 200 derelict creosote pilings from Chambers Creek Regional Park after receiving a $160,000 grant.


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TJ Eggleston
Technical Recruiter
Do you want to know which team won the World Series in a specific year? Ask TJ. He is Concero's official baseball geek. He uses that same skillset to help him remember details about the people he meets, too.
TJ wants to help you figure out how he can help you achieve your dreams, so you'll talk about a wide range of topics, so he can get to know you better.
A graduate of Fontbonne University, where he earned both his undergraduate and an MBA degree while working full-time.
Bet you didn't know: TJ likes to make complicated origami superhero figures, and he is most proud of his Marvel comics series, featuring a battle between Thor and his nemesis, Loki.
Danielle Goldsmith
Professional Recruiter
Danielle's enthusiasm for life is infectious. She is a wish granter with the Make-A-Wish Foundation, passionate about dancing, and she has even been skydiving!
More than anything else, she wants to hear your story and help you shape your life through new and exciting opportunities.
Her experience includes recruiting in the public sector and working as a professional NFL cheerleader for the St. Louis Rams. She moved to St. Louis from Farmington, Missouri, to attend college at Lindenwood University, where she earned her bachelor of arts in marketing and then completed her MBA degree.
Watch Danielle's video spotlight!
Bet you didn't know: Danielle created her own Swarovski sneakers line that were featured on Shark Tank where she was told by Mr. Wonderful to "bring on the bling!"
Jared Greenlee
Professional Recruiter
Jared is a laid-back guy who can make you laugh at even the worst jokes. But when it comes to helping talented technical people advance their careers, he is always serious.
Jared is a Dallas Cowboys and St. Louis Cardinals fan, but his real passion is for basketball. Outside the office, you will find Jared playing, watching or coaching the game.
Since joining Concero in 2016, Jared has taken every advantage of the company's coaching and training opportunities, and he is proud to be part of what he says is the best all-around team in St. Louis. He earned a bachelor's degree in business administration and marketing from Fontbonne University.
Watch Jared's video spotlight!
Bet you didn't know: Jared is a choreographer and was a back up dancer in Taylor Swift's Shake It Off video.
Bethany Hutchins
Technical Recruiter
Bethany uses her diverse life experience to help gain a better understanding of her consultants' goals. As someone who doesn't believe in living half-heartedly, she can point to her own personal story to encourage others to pursue their dreams. Her philosophy is to make all of her working relationships as honest, communicative and positive as possible – and perhaps disarm them with her distinctive laugh.
She attended the University of Kansas, where she studied business and management. She then went on to serve as education services coordinator at the American Musical and Dramatic Academy, while she was active in the professional dance community in New York City.
A native of St. Louis, Bethany likes to give back to her community and is a volunteer with Cardinals Care and Helping Hands, as well as the non-profit Living Water International.
Watch Bethany's video spotlight!
Bet you didn't know: Every year Bethany takes part in a 10-Day Silent Meditation Retreat that is based on the practice of Vipassana Meditation, during which she is not allowed to talk or read and must sit for 10 hours each day in silence.
Michelle Restovich
Senior Professional Recruiter
Michelle wants to know what makes you happy. She says when her candidates are happy, excited, and satisfied with their careers, it makes her feel happy too.
Michelle has been working in the recruitment industry since 2002. She is a graduate of the University of Notre Dame and has a BA in psychology and computer applications. Her previous positions have included technology sales and technical recruiting.
A former NCAA women's soccer player and national champion, she is an avid fan of Notre Dame and St. Louis sports.
Watch Michelle's video spotlight!
Bet you didn't know: If you can't find Michelle rock climbing on the weekends, she can be spotted creating Irish lawn gnome's for her garden.
Aaron Schwander
Professional Recruiter
From renovating his home to playing guitar to singing in a church worship band, Aaron is a man of many talents.
One of the things he likes most about his work as a recruiter is the opportunity to network and get to know so many people while talking about how critical their IT and technical skills are to businesses.
A graduate of Central College in Pella, Iowa, Aaron received a bachelor of business administration degree with a minor in entrepreneurship. While in college, he spent a semester studying in the Netherlands where he traveled to 12 countries and conducted an internship for an HR software company.
Watch Aaron's video spotlight!
Bet you didn't know: Aaron enjoys using his wooden hand lathe to make highly intricate, custom banisters and rails.
Patrick Shuff
Technical Recruiter
Patrick thrives on excitement. One of his ambitions in life is to ride all the fastest roller coasters in the world. He finds the technical recruitment field exhilarating too. It is filled with moments of suspense and celebration as candidates interview for – and then land – their ideal jobs.
Patrick has a BS in business administration from Fontbonne University where he was a four-year starter for the baseball team. Prior to working in technical recruiting, he worked in the insurance and catering industries.
Watch Patricks's video spotlight!
Bet you didn't know: Patrick's brother was Mose, Dwight Schrute's brother on the hit TV show The Office.
Blair Turley
Senior Professional Recruiter
Blair likes to know how people tick. "How did you get to where you are today?" is one of the first questions on his lips when he meets new people. And meeting new people is what he likes best about his job at Concero.
When he is off the clock, he likes nothing more than to pack up his tent and fishing rods and head to the water's edge for the weekend. He is also an archery enthusiast.
Blair is originally from San Diego, California. He moved to St. Louis to pursue both his undergraduate and graduate degrees at Fontbonne University. His career includes working in both retail operations and marketing.
Watch Blair's video spotlight!
Bet you didn't know: Blair is still looking for the most intriguing ways to utilize a Raspberry Pi.
we believe
"I am transparent, down to earth, and excited to come into the office every day because I help people change their lives."
Patrick Shuff
Technical Recruiter
"Helping people find their next opportunity is incredibly rewarding."
TJ Eggleston
Technical Recruiter
"The best way for us to be successful in this partnership is constant communication on both ends."
Danielle Goldsmith
Technical Recruiter
"It never hurts to network with people. You never know if a short conversation with a recruiter can help you professionally or in your personal life."
Aaron Schwander
Technical Recruiter
"I listen and enjoy getting to know candidates. I usually get to know a lot about what makes them happy at work as well as outside of work."
Michelle Restovich
Senior Professional Recruiter
"I love my job because I help IT professionals start or advance their careers."
Jared Greenlee
Technical Recruiter
"Never pass up the opportunity to take an interview; you never know where it could take you!"


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A former Nazi commander was arrested in Minneapolis on Monday. Now he may be extradited to Poland to face war crime charges.
Michael K., identified by The Associated Press as Michael Karkoc, 98, led an SS unit that burned Polish villages and killed civilians in World War II, prosecutors said.
His family denied his involvement in any war crimes and calls Poland's announcement "scandalous and baseless slanders."
Prosecutor Robert Janicki said Karkoc commanded the Ukranian Self Defense Legion. This came four years after the Associated Press published a story arguing Karkoc was the commander, citing his former soldiers.
The original AP story on Karkoc was based on eyewitness and Nazi military rosters. Some witnesses said Karkoc's unit lit buildings on fire and gunned down more than 40 people.
There's nothing in the historical record that indicates my father had any role whatsoever in any type of war crime activity.
Karkoc's family continues to deny the allegations.
If found guilty, Karkoc could face life in prison.
Karkoc's family said he suffers from Alzheimer's disease. But Efraim Zuroff, a historian and Nazi hunter for the Simon Wiesenthal Center, said many old Nazis try to look as sick as possible to avoid arrest.
The Associated Press contributed to this report.
WATCH | For more news you need, check out our 60 Second Circa.


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Kevin's academic research has been funded by generous grants from the Social Sciences and Humanities Research Council of Canada, the Canada Research Chairs program, and the UNBC Office of Research.
PhD, McMaster University, Hamilton Canada, 1998
BA Honours, University of Guelph, Guelph Canada, 1993
Areas of Research / Professional Expertise
Kevin teaches courses in British Romanticism, Colonial and Postcolonial Literatures, Genre Studies, and Critical Theory. He is a former co-editor of the Ashgate Series in Nineteenth-Century Transatlantic Studies, and has co-edited several essay collections.
Personal Interests
When he isn't teaching and writing, Kevin can often be found making music. He has composed musical settings for poems by William Blake, Lord Byron, John Keats, and Grahame Davies, and will soon be releasing his fifth CD, a collection of original songs titled "Watershed Sessions." Kevin's music is available on iTunes, Spotify, and other online music sites.


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DropShots is a great place to share your life experiences captured on photos and videos with your friends and family.
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Cost: $4.95
Web site: www.dropshots.com


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With another year of notable, hugely successful sneaker collaborations drawing to a close, we have done a deep-dive of the web to uncover the few remaining sizes for a number of hidden gems. Our selection includes the hugely successful Stüssy x New Balance collaboration, an overlooked iteration from the long-standing adidas by Raf Simons partnership, as well as nine other notable products.
So without further ado, our full selection of some of our favorite sneaker collabs from this year can be shopped below. But be quick, these silhouettes only have a very limited size run left.
In other sneaker news, here's how to cop Nike's heavily branded "Big Logo" Air Max Plus.
Our designated shopping section features products that we love and want to share with you. Highsnobiety has affiliate marketing partnerships, which means we may receive a commission from your purchase.


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Not really the best thing to happen when i am completely useless without her or so i found out, it's not that i can't handle the children alone that's the easy part and takes almost no effort but after collecting them from school it came to the point of the day i have no idea about DINNER!
For anyone who knows me and for those who don't, i am completely useless in a kitchen. It's not that i don't want to cook or anything like that it's just that i have no idea how to, or well i know the basics but when it comes to looking in the fridge and freezer and saying oh we have this and that, ok i'll make this it's just a complete and absolute no go, i just draw a blank every time, and with Marie not being any help (couldn't really expect her to be) i was left a lone soldier to fight this war.
Turns out i gave the kids the choice and they wanted noodles so i managed to whip them up for the kids and that was their dinner, ok i know not exactly the best meal, but they had already eaten a few hours before at school so it was no big deal, but for me? well i ended up having a nice dinner of a cup of tea and 4 slices of toast. Normally it wouldn't bother me but i had not eaten the rest of the day so sitting down to 4 slices of toast was just crap.
So i have come to realise i really need to learn to make some dishes that are simple and easily made and then maybe from there i can expand and learn to cook nice meals, because right now i am useless, so i am appealing to my fellow followers and blogging friends, help me out here. I need some simple dishes that i can whip up that don't require to much skill, and by skill i mean that it takes me about 20 minutes just to chop a onion and even then it's more like i have hacked it to bits with a cleaver.
For my American friends, i would love to be able to make Mac & Cheese, and from what i gather you guys are the master of it, so any tips on this dish would be awsome, i'm not to sure if it's easy to make but i'm guessing you guys can help me out, but as i said any help with any dish that is easy to make would be great so i can at least begin to learn how to cook.
So have you guys got any tips, tricks or recipes that you think a novice like me can whip up quickly in times of need?
But for now i think i shall bid you all farewell... Until next time, have a great weekend!


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The Romance Vault
Para ♦ Suspense ♦ Dystopian ♦ New Adult ♦ Contemporary ♦ Erotica ♦ What's the connection?....... Romance of course!
Favorite books
Recently added
Meant To Be (Heaven Hill, #1)
12:00 am 5 September 2013
I struggled with this and I am so sad that I did. Why did I struggle, I found it too tame!
Yeah it had the vernacular of a bad boy motorbikers book, but it had no steam and sexiness, all hot scenes where brushed over and left to our imagination which ok is cool but I want to read it too damn it! Especially in a biker book.
The other incy wincy thing I found was the characters had personality changes like whiplash, sometimes sweet and then full of the F word and cussing like there was no tomorrow. I didn't like the fluctuations of that at all. And I also found I was reading a passage in the mind of say Liam and then they were watching Meredith on TV and then bang we were in Meredith's head in the TV - I think the author needs to review how she changes POV's because that was liked being chucked upside on a rollercoaster and your head is catching up with your brain. Didn't like how the different POV's were handled at all, it's almost as though Laramie wanted or needed to get every point over and I have to say some of the fast changes were totally un-necessary which left me losing the want to read on a bit.
All in a good read, could have been sexy but it isn't and too many POV's for my liking, had potential but didn't quite cut the muster for me.
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FASTWAY/Ex-MOTÖRHEAD Guitarist FAST EDDIE CLARKE Interviewed By 'Rock Overdose' (Audio)
Greece's Rock Overdose recently conducted an interview with FASTWAY/ex-MOTÖRHEAD guitarist Fast Eddie Clarke. The chat can now be streamed using the audio player below.
FASTWAY earlier this month inked a European deal with Steamhammer/SPV. The band's first studio album since 1990, "Eat Dog Eat", will be released on November 14 (three days earlier in Germany). The CD, which features new vocalist Toby Jepson (ex-LITTLE ANGELS), is described by Clarke as "by far the best thing I have done since the first FASTWAY album. This is classic rock at its best!"
Commented Olly Hahn, AR representative at Steamhammer: "It`s an honor to have Fast Eddie Clarke and his band on our label. He was THE guitar player in MOTÖRHEAD but also with FASTWAY he delivered awesome music. With 'Eat Dog Eat' he's definitely back… probably better than ever!"
Formed in 1983, FASTWAY's self-titled debut album entered the U.K. charts at No. 43 and received very good reviews. One year later, "All Fired Up" was released and was a great success, thanks in no small part to high-profile support tours in the U.S. with SCORPIONS and RUSH. In 1985 "Waiting For The Roar" saw the light of day and was followed by dates with AC/DC on the "Fly On The Wall" tour. In 1986 FASTWAY wrote the soundtrack to the horror movie "Trick Or Treat" starring Ozzy Osbourne and Gene Simmons.
After 1986, FASTWAY released two more studio albums with a different lineup and issued several live and best-of LPs.
01. Deliver Me (4:41)
02. Fade Out (4:05)
03. Leave The Light On (3:55)
04. Loving Fool (4:30)
05. Dead And Gone (5:49)
06. Sick As A Dog (3:44)
07. Freedom Song (3:52)
08. Do You Believe (4:04)
09. Love I Need (4:37)
10. On And On (3:53)
11. Only If You Want It (4:06)
Interview (audio):


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UNDONE; With Or Without U
Why Is it every time I look at U All that I want 2 do
Is pour my love completely out & all over U
My heart can't bare 2 see U sad
All that is within me wants U 2 B glad
& I just know if Ur not happy then something aint right
Step out of the darkness & then run 2 the light
God wants U 2 B happy & heal Ur broken heart 2
I don't want Ur Money I want Ur love & I want U!
For U I have Longed for My whole life through
To Love U forever & spend My Life with U
All these years I have been with the wrong one
Or else I was all alone for 11 years and all undone
I didn't know how 2 reach U but that is not True now
I can only pray that God will make a way somehow
If I missed my chance with U
Because I did not know what 2 do
I'm still blessed just 2 have known U R here on earth
For truly God blessed us all with just even Ur birth!
Palm Springs, CA. July 6, 2011


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An assortment of mechanical power presses, hydraulic presses and custom presses are built by Brown Boggs Foundry and Machine. We've manufactured a 500-ton hydraulic gap press, 200-ton open-back gap press, hydraulic straight side press and a 60-ton high-production press for customers. Let's talk.
WARNING: This form is not to be used for solicitation. Solicitation is a violation of the Terms and Conditions of this site. Solicitors will have their IP banned and reported to the FCC. We will keep your personal information private and secure.We will not share your email address with any third parties.


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Thanksgiving is a special time of celebration with family and friends, and is perhaps my favorite holiday of the year for that very reason. It reminds us annually of the importance of "giving thanks" by gathering with loved ones, collecting food and clothing, and/or serving dinner at a food kitchen for those less fortunate than ourselves.
For some, the day after Thanksgiving – what has become known as "Black Friday" – kicks off the holiday shopping season. For others, the weekend is for indulging in watching football, parades, and halftime shows. Whatever way or combination of ways we celebrate this weekend, I am reminded that this time is about gratitude for our freedom and for abundance uniquely defined by each person or family.
When I was growing up, my grandmother "Baba" lived with us. Thanksgiving was a day for all of her children (my aunts, uncles, and cousins) to visit . . . what a celebration! Our house was filled with loved ones, food and drink, and laughter. Besides those of us watching football, others sat in the kitchen and played pinochle or gin, while the kids played board games or imaginary games in the recreation room or outdoors (Video games or cell phones did not exist then!). We spent quality time with each other, playing and having fun.
This Thanksgiving, as I recall times past, I am grateful first and foremost for my husband and son, and my parents, nieces and nephews, cousins, brothers, and sisters for their unwavering love and support throughout my life. To my friends and colleagues, thank you for sharing gifts of laughter, tears, and comradery. I am also grateful to have been a part of the APUS community of faculty, students, and staff for so many years. We have learned so much together.
Health and well-being are a gift, and for this gift, I am likewise grateful. Opportunities to learn and to grow, to embrace being a lifelong learner and a contributor to higher education are also gifts, as well as callings. I am grateful to have been called to learn and to serve in this community. Happy Thanksgiving, everyone!


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Book Review: The American Night by Jim Morrison
The Basics
A collection of poetry, lyrics, and prose by Jim Morrison, lead singer of The Doors.
My Thoughts
I don't feel qualified to talk about poetry in a greater, broader sense of the term, as in encompassing a whole genre. I don't read enough of it to be able to do that. I can't compare Morrison's work to anyone, because I wouldn't know how. I can only really talk about his work from the standpoint of being a fan of his music. If you wanted something grander than that, turn away now.
One thing I can say is that with my unfamiliarity with poetry, I struggle to find where I want to start. Frost and Dickinson always left me feeling bored and then utterly shocked when people said their work meant this or that when I couldn't see it. Shows what a layman I am, saying that.
But it also leads me into how this book made me feel. Morrison spun his words purposefully and well. His imagery was crisp and raw, and it evoked so much emotion. The meaning behind what he meant to say was never lost on me. Even though it was psychedelic and strange, it was charged with an energy that you will instantly grasp as you read. He doesn't hide a deeper meaning behind anything pretty, and most of the poems here have a transgressive leaning, all of which I appreciated. I found I couldn't read it in one sitting because it was almost overpowering, which I mean as a compliment.
If you're interested in 60s counterculture or transgressive literature of any kind, this is a good find. And as you can see, even the uninitiated in the poetry world can find an easy in here.
Final Rating


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Name: Deep Inside Centerfold Girls
Country: United States
Duration: 80 min
Year: 1991
Language: English
Director: Gregory Dark
Have you ever wondered just what it takes to be one of those babes who reveals their skin in the sleazy pages of men's magazines? Now delve deep into the erotic motivations of these bodacious bimbos who spread their legs so that we may all enjoy a brighter, better and more beautiful tomorrow. Their motto is "better living through nudity," and you'd better believe it.
Actress: Ashlyn Gere,Angela Summers,Tianna,Selena Steele,Stacy Nichols,Jamie Leigh,Kitty Day
Actors: Marc Wallace,Buck Adams,TT Boy,Tom Chapman,Chris McDonald,Rip Hymen,Hector Zee,Bill Miller,Hector Z.,Chance Rothchild,Dr. Siegfried
Categories: Angela Summers sex, 1991, United States, English, Gregory Dark, Ashlyn Gere, Angela Summers, Tianna, Selena Steele, Stacy Nichols, Jamie Leigh, Kitty Day, Marc Wallace, Buck Adams, TT Boy, Tom Chapman, Chris McDonald, Rip Hymen, Hector Zee, Bill Miller, Hector Z., Chance Rothchild, Dr. Siegfried, Facial, Anal, Bald, Swallow, Double PenetrationAngela Summers sex in "Deep Inside Centerfold Girls"
Wednesday, August 24, 2016
Keywords:Angela Summers sex1991United StatesEnglishGregory DarkAshlyn GereAngela SummersTiannaSelena SteeleStacy NicholsJamie LeighKitty DayMarc WallaceBuck AdamsTT BoyTom ChapmanChris McDonaldRip HymenHector ZeeBill MillerHector Z.Chance RothchildDr. SiegfriedFacialAnalBaldSwallowDouble Penetration
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This page is the list of Methods used by the guests of the Hunt Fish Journal and made available for purchase. This list will increase as items are made available as additional podcast are aired.
These seminars will cover a range of topics for hunting whitetail deer.
If you're interested in hosting a seminar where we teach our methods, please fill out the form below.
Please wait while your request is processed.
Rut Functional Hunting Method: DVD
(product coming soon)
Hemisphere Coffee Roasters
"You just can't get a better tasting cup of coffee" in Mechanicsburg, Ohio
Contact Paul or Grace at 937-834-3230
You'll be glad you did!
Complete Hunting Websites for Outfitters, Hunting Supplies and well, just about any kind of hunting or outdoor related business!
Sponsor the HFJ!
Click Here for more info


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St. John the Baptist
Roman Catholic Church
Contact Us/Directions
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Use Qpay to Donate Online
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Volunteer Opportunities
Ministry Scheduler Pro
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Catholic Order of Foresters
Holy League
Knights of Columbus Council 9167
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Liturgical Ministries
Marriage Ministry
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Music Ministry
Prayer Shawl Ministry
Pillowcase Ministry
Religious Ed/Youth Group
Respect Life Ministry
Rite of Christian Initiation (RCIA)
Society of St. Vincent de Paul
Temple Treasures
That Man Is You!
Visiting Angels Ministry
Welcome Ministry
Religious Ed
Religious Ed News & Events
Religious Ed Classes
Online RE Registration
Religious Ed Calendar
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Parish Events
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BVM Holiday Bazaar and Craft Show
Knights of Columbus St. Nicholas Breakfast
Holy Eucharist
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Anointing of the Sick
Confirmation Requirements Page
Contact Us
For More Information Parish Office
At St. Johns...
Adults are prepared for the reception of the Sacrament of Confirmation through the R.C.I.A. program. They must be baptized Catholics and registered, active parishioners prior to the reception of the sacrament.
Youth at St. John the Baptist celebrate the Sacrament of Confirmation in 8th grade. Student candidates for Confirmation are expected to have had consistent attendance in religion classes through religious education programs from elementary school through junior high.
Confirmation is in the fall of 9th grade. It is a two year preparation program usually beginning in 7th grade to 8th grade, with an additional four separate Confirmation preparation classes spread out through the 8th year.
Requirements for Confirmation:
Attendance for Religious Education Classes
Four Confirmation preparation classes
Baptismal Form & Certificate
Saint Name Sheet
Sponsors Certification
Sponsor Interview
Letter of Intent
Service hours (minimum of 10 hours)
Fulfilling these requirements are an important part of determining a students readiness for Confirmation. For any missed requirements, Confirmation will be at the discretion of the pastor.
Catholic Education should not end here. Your faith is ever growing and changing, nourish it through bible studies, youth groups, volunteering for ministries, look for seminars and events to further your faith, and continue to seek and learn about your faith.
The Sacrament of Confirmation
By: U.S. Conf. of Catholic Bishops
Confirmation, together with Baptism and Eucharist, form the Sacraments of initiation that are all intimately connected. In the Sacrament of Confirmation, the baptized person is "sealed with the gift of the Holy Spirit" and is strengthened for service to the Body of Christ.
The prophets of the Old Testament foretold that God's Spirit would rest upon the Messiah to sustain his mission. Their prophecy was fulfilled when Jesus the Messiah was conceived by the Spirit and born of the Virgin Mary. The Holy Spirit descended on Jesus on the Occasion of his Baptism by John.
Jesus' entire mission occurred in communion with the Spirit. Before he died, Jesus promised that the Spirit would be given to the Apostles and to the entire Church. After his death, he was raised by the Father in the power of the Spirit.
Those who believed in the Apostles' preaching were baptized and received the Holy Spirit through the laying on of hands. The Apostles baptized believers in water and the Spirit. Then they imparted the special gift of the Spirit through the laying on of hands. "The imposition of Confirmation, which in a certain way perpetuates the grace of Pentecost in the Church" (CCC, no. 1288, citing Pope Paul VI, Divinae Consortium Naturae, no. 659).
By the 2nd century, Confirmation was also conferred by anointing with holy oil, which came to be called sacred Chrism. "The anointing highlights the name "Christian," which means "anointed' and derives from that of Christ himself whom God 'anointed with the Holy Spirit'" (CCC, no. 1289, citing Acts 10:38)


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Our team effort not only satisfies our clients, but it also creates opportunities to work with other offices in the United Country family.
DENVER, Colo. (PRWEB) March 08, 2012
United Country Real Estate, headquartered in Kansas City, Mo., recently announced that Mason Morse Ranch & Farm Company of Glenwood Colorado was the No. 3 franchise in United Country's international network of nearly 550 offices for 2011.
"The team at Mason Morse Ranch & Farm Company excels year after year, so this comes as no surprise at the United Country Home Office," said Dan Duffy, chief operating officer for United Country Real Estate. "While our company has broadened its core extensively to include investment properties, ranches, second homes, retirement and small city and town properties, our roots remain deeply planted in land, recreational and lifestyle real estate. This is just one of the many reasons this select team is such a natural fit within our organization."
Over the course of the last 12 years, Mason Morse Ranch & Farm Company has served clients all across the western United States in marketing ranches, farms and large land holdings of both the national and international variety.
"In regards to gross commissions, the year 2011 was exponentially better than 2010," said Bart Miller, managing broker of Mason Morse Ranch & Farm Company. "Although the volume of land sales transactions may have been down overall, the larger land transactions have been successes for us."
A strong team is one of the keys to their success not only in 2011, but over the entire tenure of their company. The company's agents offer their clients more than 133 combined years of experience in ranch farm and land sales across the west.
"Our office is uniquely team-oriented," said Miller. "From office management to agent teams, we have realized that in the land business no one person can do it all. Our team effort not only satisfies our clients, but it also creates opportunities to work with other offices in the United Country family. They live it to know it."
Miller's team includes broker associates Robb Van Pelt, Rue Balcomb, Linda Niebur, Karen Mikkelson, John Stratman, Ted Schaal, Dave Banzhaf, Michael Landreth, Mike Lafortune, Roger Dryden, Bill George, and staff member Kay Muller.
Mason Morse Ranch & Farm Company can be contacted by phone at 877-207-9700 or by email at sales(at)ranchland(dot)com. Their full listings can be viewed online at http://www.ranchland.com
About Mason Morse Ranch Company
"Farms Ranches Land Sales" – http://www.ranchland.com, affiliate of United Country Real Estate, is a leading provider of farm and ranch marketing services across the western United States. Founded in 1998, in the Roaring Fork Valley of Colorado, the company specializes in the sale of premier farms, ranches and recreational land across the western United States. Combined, Mason & Morse Ranch & Farm Company agents offer their clients more than 133 years of experience in farmland, western ranch and recreational real estate sales. Recently recognized by The Land Report as one of America's Top Brokerages. "Winter Edition - 2012 Year End Review Featuring America's Top Brokerages."
Mason & Morse Ranch Company - affiliate of United Country is separately owned and operated from Mason Morse Real Estate of Aspen, Colorado
About United Country
United Country Real Estate is the largest fully integrated network of conventional and auction real estate professionals in the United States. The company has been an innovator in real estate marketing since 1925. United Country supports nearly 550 offices across the U.S., Costa Rica, Panama and resort areas of Mexico, with a unique, comprehensive marketing program that includes one of the largest portfolios of property marketing websites (more than 3,000 separate sites and traffic of approximately 3 million visitors per month), multiple United Country real estate catalogs with national distribution , an extensive buyer database and national advertising of local properties that reaches more than 90 million homes per week. United Country has recently been recognized by AllBusiness.com, The Land Report, Entrepreneur and The Wall Street Journal as one of the top U.S. real estate companies.


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Category : Banking crisis
Central bank gold demand was up 42%
Net central bank purchases totalled 116.5t in Q1, 42% higher y-o-y and the highest Q1 total since 2014.
Thieves suck millions out of Mexican banks in transfer heist
Thieves siphoned hundreds of millions of pesos out of Mexican banks, including No. 2 Banorte, by creating phantom orders that wired funds to bogus accounts and promptly withdrew the money, two sources close to the government's investigation said.
Why negative interest rates are inevitable
The big six central banks now own 40% of global GDP, which is more than double the 17% they held before the financial crisis.
ECB fears for withdrawal of €1.1TRILLION Deutsche Bank and impact on the global economy
THE EUROPEAN Central Bank has moved first to protect global financial markets from the potential chaos caused by Deutsche Bank winding down the trading of $1.1 trillion assets on its balance sheet.
China central bank announces surprise cut in bank reserve requirements
China's central bank said on Tuesday it will cut the amount of cash most commercial and foreign banks.
ECB Weighs Emergency Cash Injections to Smooth Bank Rescues
New instrument would require joint euro-area public guarantee.
Germany wants its gold back
The German government is seeking to repatriate its physical gold to protect its economy from the threat of a new global economic crisis.
HSBC to pay $100 million to end Libor rigging lawsuit in the US
HSBC has agreed to pay $100 million to end private U.S. litigation accusing it of conspiring to manipulate the Libor benchmark interest rate.
Death knell tolls for the euro as more European nations repatriate gold
The latest trend among European countries of bringing home their gold reserves has been raising concerns in Brussels.
SWIFT shutdown: Russia ready with own alternative to international bank transfer system
Global oil giant Rosneft has prepared itself for shutdown of SWIFT interbank cash transfer services, should Russia be shut out of the system as part of Western sanctions.


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August 2014 Newsletters
Regulation AA Proposal for Repeal?
CFPP Issues Annual Adjustments for CARD Act, HOEPA and ATR/QM
CFPB Issues Proposed Changes to Home Mortgage Disclosure Act (HMDA) Rules
Regulation AA Proposal for Repeal?
You read that right; Reg AA is up for repeal. Ah, but don't get too excited, because as the proposal for repeal by the Fed was announced so was the issuance by the CFPB and the federal banking agencies (Fed, OCC, FDIC and NCUA) on an interagency guidance covering unfair and deceptive credit practices. Unfair, deceptive or abusive acts or practices are still illegal and will be viewed as such by all of the regulatory agencies.
The proposed repeal of Reg AA is a result of Dodd-Frank's repeal of the banking regulatory agencies' authority to write rules and regulations. Reg AA was excluded from the Fed's authority transferred to the CFPB under Dodd-Frank, but Dodd-Frank gave the CFPB authority to issue rules and regulations that prohibit unfair, deceptive or abusive acts or practices.
The interagency guidance makes it clear that the repeal should not be viewed as an approval of any of Reg AA's prohibited practices. In other words, do not take the repeal as carte blanche to now go ahead and do anything that was prohibited in Reg AA.
We doubt any financial institution would begin to do anything that would violate the previous standards set forth in the FTC Act or Reg AA, but just to make sure, the guidance goes on to remind financial institutions that the regulatory agencies retain their supervisory and enforcement authority regarding UDAAP, and will continue to use that authority.
The guidance also notes that the FTC rule has not been repealed and remains in effect for creditors within the FTC's jurisdiction and, for nonbank creditors, this rule can be enforced by the CFPB as well as by the FTC.
One other noteworthy section is the Notice to Cosigner requirement. The newly issued guidance notes that the FTC Rule and the repealed credit practices rule required creditors to provide a "Notice to Cosigner." The agencies state that they believe creditors "have properly disclosed a cosigner's liability if, prior to obligation, they continue to provide a "Notice to Cosigner."
One thing to consider is that there are some states that have statutory provisions that exempt a creditor from a state law requirement to give a state cosigner notice if the creditor gives the required federal notice, but since banks will no longer be subject to a federal law cosigner notice requirement, they should consult with counsel regarding how to proceed.
If you want to comment on this proposed repeal, comments are due by Oct. 24, 2014.
CFPP Issues Annual Adjustments for CARD Act, HOEPA and ATR/QM
The CFPB has published the annual adjustments that are required under TIL (truth-in-lending) that implemented the infamous CARD Act (Credit Card Accountability Responsibility and Disclosure Act), HOEPA (Home Ownership and Equity Protection Act) and the ATR/QM (Ability to Repay/Qualified Mortgage) portions of Dodd-Frank.
These adjustments will not be effective until January 1, 2015. This final rule was issued in the Federal Register, last week.
The CARD Act contains requirements for the CFPB to calculate annual adjustments for:
The minimum interest charge threshold that triggers disclosure of the minimum interest charge in the credit card applications, solicitations and account opening disclosures, and
The fee thresholds for the penalty fees for safe harbor. The calculation did not result in a change to the current $1.00 minimum interest charge threshold. However, in the final rule, the CFPB increased the current penalty fee for safe harbor of $26 for a first late payment and $37 for a subsequent late payment within the following six months to $27 and $38 respectively.
HOEPA requires the CFPB to annually adjust the total loan amount threshold that determines whether a transaction is a high cost mortgage when the points and fees are either 5 percent or 8 percent of such amount. In the final rule, the CFPB increased the current dollar thresholds from $20,000 to $20,391, and $1,000 to $1,020.
The ability to repay/QM rule requires annual adjustment to the points and fees limits that a loan cannot exceed to satisfy the requirements for a QM loan. The CFPB is also required to make annual adjustments to the related loan amount limits. In the final rule issued last week, the CFPB increased these limits to:
- For a loan amount greater than or equal to $101,953 (currently $100,000), points and fees may not exceed 3 percent of the total loan amount.
- For a loan amount greater than or equal to $61,172 (currently $60,000) but less than $101,953 (currently $100,000), points and fees may not exceed $3,059 (currently $3,000).
- For a loan amount greater than or equal to $20,391 (currently $20,000) but less than $61,172 (currently $60,000), points and fees may not exceed 5 percent of the total loan amount.
- For a loan amount greater than or equal to $12,744 (currently $12,500) but less than $20,391 (currently $20,000), points and fees may not exceed $1,020 (currently $1,000).
- For a loan amount less than $12,744 (currently $12,500), points and fees may not exceed 8 percent of the total loan amount.
Virtual Currency?
Yes, no, maybe? It depends. Here's the latest on the virtual currency world.
First of all, what is considered virtual currency? Virtual currency is an electronic medium of exchange that does not have all the attributes of real currencies. Virtual currencies include cryptocurrencies, such as bitcoin and litecoin, which are not legal tender and are not issued or backed by any central bank or governmental authority. Virtual currencies have legitimate purposes and can be purchased, sold, and exchanged with other types of virtual currencies or real currencies like the U.S. dollar. This can happen through various mechanisms such as exchangers, administrators or merchants that are willing to accept virtual currencies in lieu of real currency. More businesses, such as DISH Network, Expedia, Intuit, Overstock.com and WordPress.com, are starting to allow consumers to pay for goods and services using bitcoins.
In the past, the financial industry had largely ignored virtual currencies, but that is starting to change. JPMorgan has tried to patent a virtual currency-like system and a number of banks have released less negative research reports. For example, Bank of America has issued a report that noted that virtual currencies could become an important new part of the payment system, allowing money to move through the system cheaper than using credit cards and money transmitters.
Everyone has an opinion on the virtual currency industry and they always seem to contradict each other. Even the advocates and investors disagree on the future direction for the digital currency. There are some who would prefer that it die rather than see it as a part of the traditional financial system. But, with that being said, the Silicon Valley investors firmly believe that regulatory oversight is necessary for virtual currency to go mainstream.
Whatever virtual currency's future, it's certainly quite a story. William Luther, an economics professor at Kenyon College in Ohio, who refers to himself as a virtual currency skeptic, says, "Bitcoin has brought the question of alternative currencies back to the table. Money is a very old concept and it's difficult for me to think that there's not a better way to make transactions."
With all of this attention on the virtual currency industry, we knew it would not be long until the CFPB weighed in. This week the CFPB issued a new warning to consumers, advising that they should exercise caution when engaging with the virtual and digital currency markets. The warning stated that the greatest risks to consider when dealing with digital currency is the volatile exchange rates, unclear costs, security threats posed by hackers and scammers and the possibility that companies may not always be able to provide help or refunds for lost or stolen funds. Also, since virtual currency is not backed by any government or central bank, it is not insured by the Federal Deposit Insurance Corporation or the National Credit Union Share Insurance Fund; if a virtual currency company fails (and many have), the government will not cover the loss.
So, how does this affect us at the bank? Well, to purchase virtual currency, the customer must first have "real" currency. The purchase or exchange of virtual currency is through the credit line on credit cards or simply by purchasing or exchanging for cash. Since the use of "real" currency is required, you can imagine how, in the event of a loss, a dissatisfied customer will complain. With the virtual currency being outside the realm of our regulatory system (at this point), banks may be caught in the middle of complaints and customers may have an expectation of banks making them whole in situations where they used their bank account or credit card to purchase the virtual currency. Maybe, maybe not, but it should be a consideration in the least.
We will be monitoring the virtual currency regulatory landscape, and should anything change we will keep you informed. But as a cautionary action, the bank should relay the CFPB consumer warnings to its customers.
CFPB Issues Proposed Changes to Home Mortgage Disclosure Act (HMDA) Rules
A couple of weeks ago the CFPB announced a proposed rule that they claim willsimplify the reporting process under HMDA and Regulation C. The intention from these changes is to shed more light on consumers' access to mortgage loans, and will be accomplished by updating the reporting requirements of the HMDA regulations. Under the current reporting requirements, the public and regulators can use the information to monitor whether or not banks are serving the housing needs of their individual communities and identify possible discriminatory lending patterns.
When Congress passed the Dodd-Frank Act in 2010 the CFPB was directed to expand the HMDA data reporting requirements to include additional information about loans that would be helpful to better understand the mortgage market because it was determined that the current HMDA data does not provide adequate information about loan features that were identified as being culprits in the mortgage crisis, for example, adjustable-rate mortgages and non-amortizing loans.
First, let's take a look at how the CFPB proposes to simplify the reporting requirements. Here are some highlights from the proposal:
Adoption of a uniform loan-volume threshold of 25 loans. Which simply stated, means banks would need to report HMDA data if they originated 25 qualifying closed-end loans or reverse mortgages in a year.
In addition, the proposal would eliminate reporting of certain home improvement loans, such as those unsecured home improvement loans.
The proposal includes an ease in reporting requirements for some small banks. With the proposed standardized reporting threshold, small banks that have a low loan volume, fewer than 25 mortgages a year, would not have to report HMDA data. The new threshold would reduce the overall number of banks required to report HMDA data by 25 percent, but because those banks receive a low volume of applications and originate a low volume of mortgage loans, the change would not compromise the usefulness of the data being reported.
The CFPB is also looking to improve the electronic reporting process by considering what new technological tools would make the data submission process more efficient, easing the data formatting requirements and helping banks prevent errors.
The CFPB is also looking at ways to improve how the public can use HMDA data modified to protect applicant and borrower privacy.
The CFPB is also proposing to require reporting for several new data points as required by Dodd-Frank, as well as additional data that the CFPB believes may be necessary to carry out the purposes of HMDA. These data points can be grouped into four broad categories:
Information about applicants, borrowers and the underwriting process, such as age, credit score, debt-to-income ratio, reasons for denial if the application was denied, the application channel and automated underwriting system results.
Information about the property securing the loan, such as construction method, property value, lien priority, the number of individual dwelling units in the property and additional information about manufactured and multifamily housing.
Information about the features of the loan, such as additional pricing information, loan term, interest rate, introductory rate period, non-amortizing features and the type of loan.
Certain unique identifiers, such as a universal loan identifier, property address, loan originator identifier and a legal entity identifier for the financial institution
Banks with at least 75,000 reported transactions in the prior calendar year will also be required to submit their data quarterly instead of annually. Reported transactions include covered loans, applications and purchased covered loans.
Finally, on a positive note, the CFPB proposed to add an instructions section to Appendix A and the Staff Commentary to Regulation C in order to address questions and concerns that have been raised by commenters over the years. This is a 600 page proposal, so with that being said, keep in mind that this a very broad overview. However, Compliance Alliance will monitor this proposal and begin working on all affected tools as well as preparing a comprehensive Cliff Note.
The proposed rule will be open for public comment through October 22, 2014.


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Certified Medical Assistant
Veronica Valencia
Her expertise allows her to assist in all aspects of patient care that can include monitoring vital signs, preparing and administering injections, cleaning wounds and performing minor surgical procedures, as well as helping the staff and physicians involved in Nutritional Consulting, Osteopathic, and Chiropractic specialties in Dr. Shalita's office.
Veronica attended John F.Kennedy High School and Los Angeles Valley College in General Education. She graduated from Bryman College in 2003 with a diploma as a Medical Assistant. She is a professional photographer, and in her spare time enjoys her friends and family that include her husband and two small boys.
Our Staff
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Donald Trump's plan to Make America Great Again is an unusual mixture of the traditional Republican avocations—cutting federal spending on the poor, privatizing government programs, fewer regulations, and massively regressive tax cuts—and a few populist economic proposals straight out of the Obama playbook. Central to Trump's populist appeal is a trillion-dollar infrastructure plan, which the president-elect claims will create jobs and jump-start economic growth, but the former real-estate developer's vision for a massive construction boom are already running into problems. For one, there are plenty of reasons to doubt whether his specific approach will be effective—critics point out that giving large tax credits to private investors would likely leave the country's most needed repairs (like Flint's water system) unaddressed, while pouring money into projects that are already profitable (like the electrical grid). Democrats, who ordinarily approve of increased fiscal spending on infrastructure, are wary to provide political cover to the Trump administration by backing his economic plan. And congressional Republicans, who spent the last eight years relentlessly attacking President Barack Obama over government spending, are reportedly worried about blowing a giant hole in the budget. Per Politico:
Key lawmakers say they're in the dark on how Trump's plan would work — with some conservatives simply hoping that his call for massive tax breaks will provide an economic jolt that makes the hard spending decisions easier.
Even congressional Republicans who have long championed spending on transportation projects say they don't yet know the details of Trump's 10-year proposal, which the president-elect has vowed will "put millions of our people to work" while making U.S. infrastructure "second to none."
Despite their giddiness at the prospect of Trump rubber-stamping their agenda, some Republicans have started worrying about where the money is coming from, or how Trump's plan would really work.
"Look, we don't have the details," House Transportation Chairman Bill Shuster (R-Pa.) told POLITICO. "We're working very closely with his transition team and hopefully with the new department head to figure out how we're going to pay for it. It's got to be fiscally responsible."
A trillion dollars is "a big number," said Senate Commerce Chairman John Thune(R-S.D.), adding that a tax overhaul could be one promising way to pay for it. "I think it's going to come down to figuring out just actually what's achievable."
Of course, Republicans have overcome their aversion to deficit spending before—the national debt soared during the Reagan years and under both Presidents Bush. The greater danger is for Democrats, who risk ceding credit for a massive public works program to the party that has traditionally fought against infrastructure improvements. Without his infrastructure plan, it's not clear what would differentiate Trump's economic agenda from the same slate of Republican policy proposals that have exacerbated the income gap in years past. But if he can pull it off, it's possible Trump could transform his newly energized white voter base into an electoral powerhouse—or so Trump adviser Stephen Bannon hopes. "Like [Andrew] Jackson's populism, we're going to build an entirely new political movement," Bannon told The Hollywood Reporter last week. "It's everything related to jobs. The conservatives are going to go crazy." Bannon's reasoning, like Trump's, is not so different than that of President Obama, whose advocacy for increased stimulus spending was repeatedly ignored by Republicans in the House and Senate. But this time, the Trump wing of the party hopes to use the same economic approach to consolidate the white vote into what Bannon calls "an economic nationalist movement." Hypocritical or not, Democrats better hope Bannon's master plan doesn't succeed.


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What's the difference between a Strategic Plan vs. an Operational Plan? Both are plans but are they the same? If not, what's the difference? Do you need both? Why do we need both?
After mentoring Start-Ups from pre-revenue to achieving at least S$1M in revenues since 2012 and supporting growing Small-Medium Enterprises within the S$4M to S$10M range revenues, whose leadership teams are stuck in their day to day operational matters and fire-fighting, I hear these questions frequently.
My response:
A strategic plan outlines your Vision, Mission, Core Values to build the Culture with high-level goals for the next 3 to 5 years. It also takes into account how you'll measure those goals, and the major projects you'll take on to meet them.
An operational plan (also known as a work plan) is an outline of what each of your business departments shall focus on for the next financial year.
In essence, your Strategic Plan communicates your vision for the future and your Operational Plan clearly define how you'll get there on a daily, weekly and quarterly basis.
Both management concepts describe your company's plans for the future but in different contexts. Below I've listed 5 major differences between a Strategic Plan and an Operational Plan that could guide you to ensure you're using these two concepts the most optimum way.
1. Time Period
Strategic plans outline long-term goals for the next 3 to 5 years. What you'll be doing to achieve those goals in the shorter term (typically the next fiscal year) is outlined in your Operational Plan.
2. Goal Focus
The goal of your strategic plan is to outline the company's long-term vision and how all departments should work together to achieve it.
The goal of your operational plan isn't company-focused instead, it is department-focused. There can be overlap between departments, but that's the exception rather than the rule. Large departments may require multiple operational plans.
Everything starts with a Vision, Mission, Values. In recent years, some organisations have integrated Vision + Mission into Core Purpose. It is the guiding principle of WHY an organisation exist. WHY should anyone care? WHO will miss the organisation if they are no longer around?
3. Plan Generation
Your organization's high-level leadership team—the executive team or management team with its Board of Directors and Advisers, for instance—is responsible for creating the strategic plan. Once it's created, the strategic plan will be pushed forward by cross-functional teams who work together to ensure the strategy is successful.
Every department should have a leader or team of leaders responsible for creating their operational plan. Although each operational plan is designed for a single department, its successful implementation will lead to organization-wide success.
For example, your marketing team has a set of broad strategic goals. These goals will be broken down into operational plans for marketing activities they use to increase brand awareness, visibility, engagements, website traffic, enquiries from partners, prospects or potential investors. These activities should translate to more sales opportunities and ultimately more revenue for the organization (both of which could be goals in your strategic plan).
4. Budgeting
The budget for your Strategic Plan comes from your strategic budget, not your operational budget. Your organization may implement a budget that aligns part of your budget directly to your strategic projects or initiatives. This is a different approach than putting a budget against each of your divisions or departments.
For start-ups who do not have any capital to operate, a boot-strapping mode is common and often the Founders inject some capital, lend the start-up resources or put together a short-term plan to raise capital or sell strategic products within the realm of the business to generate cash flow to pay for the cash flow demands of the business as they develop their Strategic Plan and Operational Plan.
The budget for your operational plan comes from your department's annual budget. If your annual department budget needs to be cut, consider which elements don't align to your strategic plan and cut those first. For example, if your strategic plan defines a marketing goal of establishing a strong online presence, your trade show budget should receive budget cuts before blog writing does.
5. Reporting
When you report on your strategic plan (typically both annually and quarterly), your strategic planning committee or executive team will want to look at how your company is performing on its chosen measures. Depending on the meeting, these discussions should remain fairly high-level so you don't get bogged down on details.
Your operational reports, on the other hand, outline hundreds of projects or tasks people in the department are working on. Monthly operational reporting meetings give the leadership—and the rest of the department—an indication of each project's status.
Unlike your Strategic Report, updates on operational projects can be anecdotal or qualitative (as it's often difficult to quantify actions that aren't tied to measures). Some organizations have a running text commentary either in an Excel field or a Word document. I usually propose a Dashboard with 3 colours (Green, Yellow, Red). This commentary is updated weekly and monthly, even if there are no direct measures for that part of the operational plan.
Understanding Strategic Planning vs. Operational Planning doesn't mean you get to CHOOSE between them!
To be a strategy-focused company, you need a Strategic Plan and departmental level Operational Plans. If you're sighing, groaning and thinking, "Oh great! One more thing I have to start doing…....." hang on!
Most departments have some form of operational work plans in place already. So you shouldn't need to start from scratch; simply put your current plan into a framework or format that helps you perform at a higher level.
If you are a Start-Up, see this as an opportunity to set the right footing, build the foundation of the idea and develop a strategy-focus business. If your company doesn't have a fully fleshed-out strategic plan, go read the Scaling Up by Verne Harnish.
By the time you've read the book 2 to 3 times and use the Gazelles Growth Tools, you'll have an agenda ready and a strategy map created—complete with your top-priority goals!
WHO should be involved in Strategic Planning?If you are a Start-Up....
If you are a Founder of a Start-Up with a Vision and Mission but have no clue on how to achieve your vision and what to do to implement the idea and break it down into a day to day operational objectives, assemble your potential team of Founders and have conversations with each other to get to know one another.
If the team gets excited, sees possibilities and wants to be involved in the Vision to create this business and impact the world, next you have to set the frequency of interactions over a period of 3 to 6 months to develop the idea, list down hypothesis, do market research, conduct SWOT, PEST and VUCA analysis and then develop your ideal organisational structure, list down each role and responsibilities and implement your proof of concept.
If you are a Small-Medium Enterprise...
If you are the Managing Director and/or CEO of your SME and have a few Directors or Senior Managers in your company, you should already have the business going for a few years. You know WHAT you stand for, WHY you exist, WHO are you serving, WHAT your business challenges are (based on the day to day fire-fighting) WHO your competitors are, WHAT are the changes in the market, HOW are the market changing, is your business models obsolete, WHAT innovation can you develop, etc.
With a running Leadership & Management team, identify the Directors and Senior Managers to form this Strategic Planning Committee.
Meet them at least once every 2 weeks to develop a conversation around Strategy. Read books about strategy, strategic planning and share ideas during the meetings. Once the team have an idea what Strategic Planning is about, develop a framework, schedule and project plan to keep you committed to developing the Strategic Plan.
If you need professional support to facilitate your Strategic Planning and engage someone to facilitate you through the process, please take note:
- Strategic Planning is a journey. It takes a minimum of 5 to 8 full days to get the team immersed and engaged to create the framework and plans. The process is messy and there could be storming sessions. Stay objective!
- It takes another 8 to 12 hours weekly over a period of 1-month for leaders to review, discuss and enhance the plan and finally, present it to their Managers for them to develop the Operational Plan.
- With the Managers support, an Operational Plan shall be drafted, discussed and reviewed over a period of 1-month, taking at least 12 to 16 hours per week. Throughout the process, the Managers shall also be detailed in their plans using the S.M.A.R.T. model (Specific, Measurable, Attainable, Realistic and Time-bound) to communicate their Operational Plans.
- After the departmental level Operational Plans are developed and submitted by the Managers to the Leaders, the Leadership team shall review and challenge the plan until there is alignment between the Leaders and Managers. This process takes another 8 to 12 hours per week for a period of 4 to 6 weeks.
This is why most businesses schedule their Strategic Planning meetings around Sept/Oct and take an average of 2 to 3 months to develop it with their teams.
If your team is experienced, it takes an average of 4 to 6 weeks to complete it as you are aware of the framework, can re-use most of the past materials and plans with some tweaking depending on the market and business situation.
If you are a start-up or a growing Small-Medium Enterprise and need support to facilitate and/or develop your strategic plans, contact me now!
If you are a start-up or a growing Small-Medium Enterprise and need support to facilitate and/or develop your strategic plans, contact me now!


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Gujarat CM Anandiben Patel launches 'Maa Annapurna Yojna'
Posted on:07 Apr 2016 09:42:17
07 April 2016 Current Affairs: Gujarat Chief Minister Anandiben Patel launched the state-wide implementation of Centre's National Food Security Act, which has been renamed as Maa Annapurna Yojna by the state government.The Food Security Act was passed during UPA regime at the Centre when Congress was ruling this state, only 88 crore people were given food-grains at subsidised rates prior to 1995.Under the scheme, a beneficiary holding the Annapurna card will receive wheat at Rs 2 per kilo and rice at Rs 3 per kilo. Currently, Above Poverty Line (APL) card holding families are entitled to a monthly stock of 2.5 kg wheat per member of the family at Rs 7.70 per kg.Though the implementation of the Act started in Gujarat from April 1, it was officially launched by the CM on the foundation on 6th April.The National Food Security Bill is the brainchild of Congress president Sonia Gandhi.The proposed bill aims to provide legal right over subsidised food grain to 67 per cent of the population.The Bill seeks to offer rice at Rs 3 per kg, wheat at Rs 2 per kg and coarse cereals at Rs 1 per kg to the intended beneficiaries.Up to 75 per cent of the rural population and 50 per cent of the urban population will get 5 kg of food grain monthly.
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MCNY Alumni Trinidad 2018
MCNY Alumni Trinidad 2018 - Metropolitan College of NY
Land Only
Trinidad & Tobago
CV Academic
CV Only
Sunday, April 29th, 2018
Sunday, April 29th, 2018
Thursday, March 15th, 2018
All MCNY School for Business Alumni & Students are invited!
Brochure & Documents
Tour Features
Services Included
- Airport transfers
- 3 nights accommodation at the Hyatt Regency Trinidad
- April 26 Welcome Reception
- April 27 Buffet Brunch with invited speaker
- All taxes and service charges
Services Not Included
- Airfare is not included
Policies and Guidelines
- A valid passport is required for this trip
- Register in the name as it appears on your passport
- We recommend you pay the initial deposit ASAP to guarantee your space
- Your reservation is subject to cancellation if you fail to make payments
- Cancellations are non-refundable after March 15, 2018
- It is important to make sure your roommate's payments are made on time. If your roommate cancels you will be required to pay the single occupancy rate.
- E-mail copy of your airline ticket to Celestial Voyagers ion order to book your hotel transfers accordingly.
Price Information
- $525 – triple occupancy
- $595 – double occupancy
- $765 – single occupancy
Terms & Conditions
CelestialVoyagers Terms and Conditions relate to specific contracts with various suppliers.
The policies and regulations below must be strictly enforced.
- Cancellations are non-refundable after March 15, 2018
- $199 deposit due ASAP (no later than November 20 to confirm registration and secure price)
- Remaining balance due March 15, 2018 (no exceptions)
Additional Information
Amanda Rosado
President, School for Business Alumni Network
Metropolitan College of New York