text:
Too many decisions are based only on best estimates. But like the drunkard walking down the middle of the road, the outcome may not be what we'd want.
FAB-testing is a toolset for improving core decision making in the face of uncertainty. As with our MODEL risk assessment tool, FAB-testing takes the many useful tools that already exist and improves their deployment, typically by making a better allowance for uncertainty assessment, quantification and management.
This article focuses on one main application of FAB-testing: improving RAROC as a decision tool. I am actively working on extensions.
What is FAB-testing? Why should it work?
FAB-testing is about strategic and core decisions within an organisation and using uncertainty-based techniques to make better choices. What do we mean by that?
Specifically we can use FAB-testing to look at which of two decisions A or B is preferable. One of these decisions might be "do nothing".
The foreword to Enterprise Risk Analysis for Property and Liability Insurance Companies suggests the top lesson for company management should be:
First, "experience the future" Source: David Spiller, then CEO of Guy Carpenter
FAB-testing is a tool that enables you to experience the full range of futures and to use the results to make better decisions.
A/B testing
Sometimes we can test the effectiveness of different approaches, using an experimental approach. Take driving purchases through adjusting website content and design. Someone thinks that adding postage and packing late in the process is best; mentioning too early will "put people off". Others believe in being upfront about the per item charge, while still others think postage and package should be "free" i.e. charged through higher prices? What to do?
A common, almost experimental, technique called A/B testing can be deployed, randomly assigning different people different purchase paths. The results are stored and conclusions drawn. Smart, especially as we can also target the proportions to be randomly assigned e.g. we might want 80% of purchasers to have the standard process, with 10% going to each of the other routes. Of course these percentages can be adjusted as the customer verdict(s) emerge.
A new challenge
The challenge above was rather straightforward; by the time the person has left the website you know the results: "good / bad", "yes / no", "purchase / no purchase". The percentage we were trying to estimate above captures everything. But many challenges and opportunities are more complex. Let's get specific.
An insurer faces a choice between writing two contracts, A and B. At a high level, both involve risk and return. They are not trivially comparable; A has the larger expected return, but also the bigger risk. It's impractical to run experiments in the way described above. Even if we did it seems we would have to wait years to judge the result – many life insurance contracts run for 25 years. We need a different tool.
Introducing FAB-testing
FAB-testing – future A/B testing – projects possible futures, with full allowance for uncertainty. Having captured the range of possibilities (A, B etc) we choose the decision which produces the best results, according to a pre-defined criterion (or criteria). By comparing all levels of risk, FAB-testing beats competing tools.
Why should FAB-testing work?
Traditionally people looked back over years of past data to make decisions. A/B testing shows that we can often make decisions based on more recent data. But there's nothing surprising there; so long as enough people are giving us "yes/no" verdicts then using recent data is great. But testing the future?
Insurer already have tools to tackle these decisions: profit testing, economic capital and and risk-adjusted return on capital (RORAC) are connected ideas. All three project the future – actually one "best estimate" future, with one explicit allowance for risk. Lesson: the future can be projected – FAB-testing should work.
Areas of application
Core decision making
What is an organisation's core "product(s)" which it might offer for sale? Consider an insurer using risk-adjusted return on capital to price and measure the performance of its products (life insurance, savings products etc). Core decisions include:
- Whether to write deal A or B – incorporating FAB-testing improvements to RAROC (see below).
- The level to set prices (rates or fees) in general – trading off margin and volume.
Surprisingly, research by McKinsey, suggests that deploying economic capital and RAROC techniques at a granular level (e.g. in transaction pricing) is less common in banks. A bank could investigate three scenarios (options):
- A: status quo pricing
- B: price to maximise RAROC
- C: price using FAB-testing techniques
Yes, that's a sort of double FAB-testing.
Strategic and operational decision making
FAB-testing techniques are applicable to operational decisions: "will approach A or B maximise my network uptime and what effect might that have on customer retention?"
The Balanced Scorecard tool encourages us to postulate causal links between actions and outcomes – see the diagram on the right. Rather like an operational process, there is potential to test decision A versus decision B, allowing for uncertainty.
FAB-testing application: capital optimisation
The following graphs are based on my ongoing research into Bill Panning's work in (e.g.) Managing the Invisible. Bill adopts a similar approach to our FAB-testing, in particular allowing for the full range of future uncertainty. I have simple Excel-based tools to replicate and develop his results – and for FAB-testing.
The idea is to set capital to maximise the present value of profits, allowing for future insolvency (i.e. capital being exhausted). There are rules for whether re-capitalisation takes place. The graphs above show a general insurance example, with potential to vary the loss ratio and its volatility. The curves in each graph are:
- Blue curve: the (basic) value of profits ("value add" or VA) allowing for the base level of capital
- Red curve: the level of optimised capital
- Green curve: the profitability corresponding to that optimised capital
The expected loss ratio graph divides into three broad sections:
- The first section comprises (expected) loss ratios of up to about 70%. The business up to here is fundamentally attractive and is likely to generate underwriting profits which are more than sufficient to pay for the expenses. Small increases in the loss ratio do not mean that the business is unattractive and, optimally, more capital should be employed to ensure the business survives.
- The second section has loss ratios of between about 70% and 76%, where business is much less attractive and "deserves" less rather than more capital.
- The third section of loss ratios of 77%+ is where optimal capital is effectively zero. The economics of a 77%+ loss ratio and an expense ratio of 25% no longer work. The business has some shareholder value, because there may be some good years before the company becomes insolvent. Of course no regulator would allow a company to operate like this!
In the first two sections, the value add curves coincide. This suggests that, for a given loss ratio in this range, optimising capital adds little value; optimal capital varies from around 65 to 80. The change in value comes directly from the change in loss ratio; a reduced loss ratio increases the survival probability and the expected profitability for a given survival rate.
Naturally we could take this much further. Although management has some control over loss ratios there is normally an associated trade off. It could be that a lower loss ratio comes at the cost of lower volume or higher standard deviation / volatility.
The volatility graph is even more interesting; managing volatility is surely at the heart of risk management. Unsurprisingly, the graph shows that the more volatile the loss ratio is, the more capital needs to be deployed to maximise value.
Significant value is generated if we can reduce volatility, on the assumption that there are no other trade offs such as volume reduction. Most of the extra value add comes directly from volatility reduction rather than capital optimisation. Increased volatility could be beneficial, given sufficiently higher prices.
As before, there are effectively three sections of the curve: in the third the business becomes so volatile that capital can no longer cope with the threat to value.
I highly recommend the Panning paper and its methodology. Together with the Kelly Criterion, it was fundamental to the development of FAB-testing.
Improving existing tools
Here are three existing tools, with very brief suggestions for improvement – more detail for 2 and 3 in sections below.
- RAROC : risk-adjusted return on capital can lead to sub-optimal – even loss-making – decisions. RAROC also doesn't help "size" positions.
- The Kelly Criterion : although it can address the RAROC issues above, vanilla Kelly needs upgrading for unknown probabilities, risk appetite and more.
- The Balanced Scorecard : Often used for strategic steering, its inventor acknowledges that the BSC makes limited or no allowance for risk and uncertainty.
Who uses the above?
RAROC was invested by Bankers Trust in the late 1970s and is used especially by companies in financial services. The Kelly Criterion was first suggested in 1956. It has a rich literature and is at times the subject of emotive debate. Primarily is seems to be used by (some) gamblers, fund managers and hedge funds, reputedly including some of the biggest – who remain tight-lipped of course. The Balanced Scorecard, "invented" in the 1990s, is used by a wide range of organisations.
RAROC: the traditional solution to "shall we do A or B?"
The RAROC decision criterion maximises the ratio of two present values:
[1] The numerator: profits
The RAROC numerator is the value of expected future profits, discounted back to day-1 at a hurdle rate.
There are several different approaches to calculate such expected profit – for example traditional discounting at a high hurdle rate or a so-called market-consistent approach.
[2] The denominator: economic capital
The denominator is the capital a bank or insurer needs to set aside as an appropriate buffer against possible losses from a transaction – or indeed a business line or its operations overall.
So what's the problem?
I have often regretted the casual way the (actuarial) profession compresses the varied complexity of its affairs into a colourless present value. Frank Redington, voted the greatest British actuary ever
Not for the first time, Redington was right. Let's look at the flaws.
RAROC exposed – the flaws
Sometimes RAROC is described as "optimising profits". In fact the two aspects are:
- Optimise capital: the weighted average cost of capital (WACC) is minimised through selecting appropriate mix of assets, debt and equity – the funding. This is a subtle, iterative and demanding process in which financial institutions has ploughed resource and money.
- Maximise expected profits: Here there has been less progress. Leaving aside the practical doubts raised by McKinsey, we suggest RAROC needs theoretical adjustment. Simple examples demonstrate the flaws in maximising the numerator – indeed the flaws are easier to miss with real world complexity.
But RAROC has several flaws:
Flaw 1: RAROC-based investments can be loss making
Flaw 2: RAROC gives no guidance on the amount to invest
Flaw 3: RAROC gives no credit for real risk management
Additionally, all three of the above represent a missed opportunity for ongoing and value-adding discussions between risk and business functions.
This is the summary version of the full RAROC article – the full version gives more detail – explaining the above – and a little more maths!
RAROC enhanced – the Kelly Criterion
Background: what is the Kelly Criterion?
The Kelly Criterion (1956) is named after a US scientist, John Kelly, of Bell Labs. The criterion gives a formula to determine what proportion of wealth to risk in a sequence of positive expected value bets so as to maximize the rate of growth of wealth. The Kelly approach is positive rather than normative; it does not say that that you should maximize the rate of growth, but rather that if you want to do so (without any other constraints) the Kelly approach is the way to do so.
This is the summary version of the full RAROC article – the full version gives more detail – and a little more maths! – in the following areas:
- Progress since the 1950s
- Current attitudes to the Criterion
- Implications and special cases
How the Kelly Criterion deals with the RAROC flaws
It does so as follows:
- Loss making investments: Kelly looks at compound returns taking into account full variability, not single period returns based on expected value.
- RAROC gives no guidance on the amount to invest: the proportion of capital to invest is the result or output of the Kelly Criterion.
- Credit for risk management: although this is not formulaic there is potential for this – see below.
The enhanced approach to RAROC also has softer benefits, suggesting mutually beneficial conversations between risk and business functions. These conversations arise naturally, since a collaborative approach is needed to tackle the above challenges. For example:
- each of 1-3 needs an assessment of "the full range of uncertainty", including the confidence that business functions have in (e.g.) their pricing assumptions.
- additional risk management needs creativity and its benefits depend on the level of uncertainty – a dynamic discussion.
[Aside: the Kelly Criterion does not concern itself directly with economic capital, simply with RAROC's numerator. There's no issue; we simply need to divide.]
So what's the formula?
Consider the following coin tossing scenario, which – the dependency q = 1 - p – we can abbreviate to (p,W,L):
|What happened?
|Heads = win
|We win W
|Tails = lose
|q = 1 - p
|We lose L
We know from the RAROC flaws above that investing simply if the expected "one off" gain is positive i.e. p * W - q * L > 0 is a flawed strategy. Instead Kelly says we should invest a proportion f which maximises (1 + f * W)p * (1 - f * L)q. Equivalently this maximises p * log(1 + f * W) + q * log(1 - f * L). This is a relatively simple calculus problem, the solution to which is:
The Kelly Criterion
The Kelly Criterion says that to maximize the rate of growth we should invest a proportion f = [p * W - q * L] / [W * L].
- The numerator is our expected gain – what gamblers call the "edge"
- The denominator is a scaling factor – this gets us beyond the expected value approach
Making it operational: FAB-testing = RAROC-Kelly-Plus
Adjustments are required to turn RAROC-Kelly into a fully working decision making tool. Five areas are described below.
Good news
Significant progress has been made in all the areas below, so that FAB-testing is a workable concept. I am not aware, however, that it has yet been deployed in practice. Deployment would inevitably and advisably us a step-by-step approach:
- Examine current decision making methodology: Does it use RAROC and modelling?
- Flaws in RAROC-based decisions:
- Negative returns: is there anything in place that stops a project with negative expected compound returns going ahead? Has this happened in practice?
- Sub-optimal sizing: should we have taken a different level of nominal exposure? Typically this would involve taking a share rather than the whole deal.
- Learning the lessons: happily we can learn lessons from this approach without a full FAB-testing implementation – see below.
[1] Continuous variation
In most commercial situations gains and losses effectively follow a continuous distribution, where larger losses have smaller probabilities. The coin tossing is usually only illustrative. Suggesting that many investors would benefit from studying the Kelly Criterion, UK actuary and private investor Guy Thomas says:
It is not so much that it gives directly applicable answers, but more than it directs attention to the right questions.Source: Guy Thomas writing in Free Capital
It seems that this view is backed up strongly by Boyles asset management in this extract from their letter to shareholders.
[2] Uncapped losses
Insurers may enter into contracts which, in principle, have no finite upper limit. Necessarily (since the area under the probability curve is 1) the probabilities associated with the largest losses become very small (and are asymptotically zero). But although the economic capital associated with these is qualifiable, there is inn theory a probability – infinitesimal no doubt – that such a contract exhausts the entire capital of the company.
[3] Unknown probabilities
In most commercial applications probabilities need to be estimated, rather than being given or deduced from (e.g.) symmetry arguments. Typically the estimates comes through a combination of data analysis and expert judgement, perhaps backed by a formal Bayesian framework. Again this challenge has been tackled.
[4] Limited time horizons
Another way of putting this is that we need to incorporate risk appetite. Professor Samuelson was not the first to spot the point that most investors cannot afford to wait for the timescales or number of investment realisations that would result in the Kelly Criterion's asymptotic properties dominating other strategies.
[5] Simultaneous investments
Extensions of the Kelly Criterion exist to deal with multiple investments.
In practice we do not deploy a proportion of available capital as economic capital against a bet (opportunity, project etc), wait for the outcome then deploy another proportion against another opportunity. Instead opportunities present themselves either simultaneously or at overlapping time intervals.
We also need to think about:
- Opportunity cost: Does taking an opportunity now mean that we may need to pass on a more favourable opportunity later?
- Dependency: There are various types of dependency. Two investments might be:
- directly dependent e.g. the two investments might both fail because the second required the success of the first.
- indirectly dependent e.g. pension liabilities in two different schemes are both likely to be affected by general population longevity improvements.
Where next?
- Elvis on risk management
- Quantifying Risk in the Electricity Business: a RAROC-based Approach
- Risk-Adjusted Performance Measurement for P&C Insurers
- Practical Application of the Risk-Adjusted Return on Capital Framework
- P&C RAROC: A Catalyst for Improved Capital Management in the Property and Casualty Insurance Industry (1999)


text:
Wait, what? An airplane flew into the World Trade Center?
Wait, WHAT? Another one?
Now the Pentagon?
Now a field in Pennsylvania? Will they come here next?
I have never been so afraid.
For the first time ever, I tune my radio to NPR. I hang on every word. The internet has no news. I need to know.
It seems to be over. Hopefully.
At home, I don't watch the news on TV. Crash, fireballs, jumpers, implosion, over and over. No thanks.
I see the footage only a handful of times, but I can never forget. "We will never forget."
--from Baby Smiling in Back Seat
Thursday, September 11, 2008
100 Words - 3
Posted by Lollipop Goldstein at 1:00 AM
No comments:
Subscribe to: Post Comments (Atom)

subset: commoncrawl


text:
Job Board
Job Seekers, Welcome to GHC Job Board
The job you tried to view is no longer active.
See similar jobs below or perform a new job search.
See similar jobs below or perform a new job search.
Sort By
1,449 'direct OR of OR psychology OR STATECODE:"PA"' Jobs
Pittsburgh, Pennsylvania,
Hospice and Palliative Credentialing Center
3 Weeks Ago
Hershey, Pennsylvania,
Penn State Health
2 Months Ago
Saint Mary Rehab Hospital, Pennsylvania,
Kindred Healthcare
2 Weeks Ago
state college, Pennsylvania,
Jackson Physician Search
6 Days Ago
West Reading, Pennsylvania,
Tower Health – Reading Hospital
1 Month Ago
Philadelphia, Pennsylvania,
Lewis Katz School of Medicine at Temple University
3 Weeks Ago
Powered By


text:
could be right before your very eyes - just beyond a door that's open wide - could be far away or in your own backyard - there are those who say, you can look too hard - for your place in the world - could be one more mile, or just one step back - in a lover's smile, down a darkened path - friends will take our side, enemies will curse us - but to be alive is to know your purpose - it's your place in the world
Tuesday, August 12, 2014
Summer Days
Where has the summer gone? I blinked my eyes and it's now mid-August. I guess time flies when you're having fun. And fun, I've had! The calendar has been jam-packed which is probably why my blog has been abandoned! Some of the highlights:
No comments:
Subscribe to: Post Comments (Atom)


text:
The Halulite Minimalist is simply the redefinition of ultralight, ultra-minimal cooking and eating. The 0.6 L hard anodized pot is designed around a 110 g fuel canister and micro stove (not included) combined with a pot cover which flips to become a sip top and insulated sleeve for drinking.
Features and Specs
Ultralight design integrates everything you need for hot meals and warm drinks in an impossibly small footprint.
Insulating silicone pot gripper attaches magnetically to fuel canister while cooking so its always at hand.
Unique 0.6 L pot and lid boil water for pouch meals before transforming into an insulated mug by inverting the lid and slipping the pot into its sleeve.
Telescoping Foon utensil made of high temperature Nylon 66Insulating cozy sleeve keeps drinks warm and helps to reduce soot and char on clothes.
Integrated nesting allows for stowing of ultralight stoves and fuel canisters (110 g).Product Specifications
Major Dimension: 1 Person
Weight: 6.3 oz.
Dimensions: 4.20'' x 4.20'' x 4.60''
Material: Proprietary, Hard Anodized Alloy, Nylon 6-6, Silicone
Product Use:Ultralight Backpacking
0.6 L Pot/Mug, Sip-It Lid, Insulated Sleeve, Silicone Gripper, Telescoping Foon
Normal wear and tear, which includes, but is not limited to, scuffs, dust, dirt, abrasion, etc., is not a valid reason for a warranty return.


text:
Novacrow at HRH Highway to Hell, Sheffield
We are MEGA excited to have made it through to the FINAL of Hard Rock Hell's National competition- Highway to Hell. We were nominated and voted through and will be tearing up the super awesome o2 Academy Sheffield.
Our lovely buddies in Pulverise are also through the to final, so come and support both of us! :)
We have a LIMITED NUMBER OF FREE TICKETS up for grabs, first come first serve: https://www.hthrocks.com/tickets.html pop the code 'HTHNC' in and it will be a freebie!
More info to follow


text:
Gourmet Bakers which is considered as the largest bakery chain in Lahore. This bakery is growing so rapidly and remove all those street bakeries. They have done this with keeping two things at top in their strategy; one is price and other is cleanliness or quality. Their outlets are always very neat and clean. There is staff hired only to mop the floor at all time. Whenever you visit, there would be one mopping the floor. When they see dirty footsteps on their tiles, they clear it up immediately. This cleanliness and low price have attracted all Lahore to use Gourmet products. Secondly they reach to every corner of Lahore and one can get their hands on it wherever in Lahore. Recently they have started their shops in different cities of Pakistan too.
Other than there regular bakery stuff they have also launched soft drinks which has brought a big difference in Pakistani soft drink market. They have spread these Gourmet soft drinks all over Pakistan. They keep introducing pastries, different cakes and other stuff which keep them updated. Recently Gourmet company has also jumped in catering service with the name of Gourmet Catering Service.
Everything was going very fine with Gourmet, people were loving it. There were some issues of staff's behavior but still people use to go to Gourmet. People know that they are giving good quality food with clean environment. In my earlier post of Gourmet Downfall which I wrote due to their behavior and less tasty products, people discussed much of their feelings in comments. But I realize that it wasn't the time of Gourmet's downfall because people don't have any other option. Now I believe it is hard to beat Gourmet Bakers because they have spread too much and have lot of product lines. In discussion of Gourmet Downfall post (see comments), some people complain about their quality. One of them, who said that he is an employee of Gourmet tell everyone that they are not giving good quality. They have lot of mice in their bakery and all stuff is dirty. Gourmet is only showing the neat and clean front but it is dirty from inside.
Now after looking this recently released video on youtube, we all come to know that they are not keeping their bakery clean; there are mice in their bakery, not in production area, but in display area, which is suppose to be more clean. How come Gourmet Bakers become so irresponsible for their display. Look out this below video where rats are eating Gourmet cakes. Now how come I, ever, gonna eat that cake. How come anyone going to take cake from Gourmet after looking to this video. This video is also shown on T.V. and which affect lot of drop in Gourmet sales. I don't know how Gourmet can reply to this video, how come they gain their customers again?


text:
This view shows the lagoon with the circus in place. Edwin E. Slosson wrote in "The Independent" magazine, "Now, line by line, as we watch in the twilight, as if lit by an unseen taper, as if drawn by the architect on the darkness by a pen of fire, the building slowly appears, until with a final flash it stands like a glorified ghost of itself in the night." [July 21, 1904] (Photos courtesy the Library of Congress)
These two views are from the top of the shoot-the-chutes. The left postcard is the more accurate of the two, although the American flags were often added by the card's artist. When it opened in 1903 Luna Park featured 250,000 lights and 100,000 of those were on the Electric tower.
The left photo shows the Dragon's Gorge and the main gate is visible in the distance. The photo on the right is another view of Luna, this time closer to the entrance. The park at night was amazing. Russian writer Maxim Gorky said, "With the advent of night a fantastic city all of fire suddenly rises from the ocean into the sky. Thousands of ruddy sparks glimmer in the darkness, limning in fine sensitive outline on the black background of the sky, shapely towers of miraculous castles, palaces and temples. Golden gossamer threads tremble in the air. They intertwine in transparent, flaming patterns, which flutter and melt away in love with their own beauty mirrored in the waters. Fabulous beyond conceiving, ineffably beautiful, is this fiery scintillation." [The Independent: August 8, 1907]
The Honeymoon Express ran from 1914 to 1927. It was a train ride with small railroad-style Pullman cars that circled the Shoot-the-Chutes lagoon.
The restaurant boxes along the promenade at night.
Luna Park at night was a wonderland that had no equals.


text:
January disease signs and symptoms
It's January 4, you're probably done curing that New Years Celebration hang over or if you don't drink the excitement is really over. However another disease that will take longer to cure is starting to show up. It seems you will be admitted for a while. You're already looking at the calendar for January salary.
That's just how bad it is. You have a bundle of dollars in your left pocket that you'd rather not count. You do not want to be disappointed or know how much trouble you're in. You remove the few dollars left in that wallet, you peep deeper into it. You cannot believe it. You know you weren't robbed, why would any thief leave $10.50 in your wallet? In another sense you may have been robbed, by love of pleasure, entertainment and looking like you could "stunt" during the festive season. Now that the festive season is over you're in the "worst-of prisons", so much to be paid for back dating from last year and you have not a single cent.
A text from your friend interrupts your deep thought. He too is asking for a few dollars, just when you were also thinking of asking him for the same favour. Why does this disease have to take down the whole neighbourhood… well it never takes out our high salary earning CEO's, I mean who can blow $250,000 on Christmas? However for those who live below the poverty datum line but try to live as if they won the lottery jackpot over Christmas there will be sniffing and sneezing out of the deadly January disease.
Christmas is yet another chance for capitalists to sell us into their extravagant ideas of what living life is. This is why, while you're happy to be at rest their retails will be open even for much longer hours than on non holidays (Why don't they go on holiday?). Lord have mercy on the workers. It has never really been about Jesus Christ. If it were then why promote on that day some of the things his scripture is against. Most commercial activity done in the season is not consistent with his scripture so they found a stout white man in a red suit and allowed him to abuse animals with thousands of toys on top of his weight. In the process they infected you with a disease that would eat you like slow poison and present itself in January.
You'd once again be forced to borrow from them or their loan facilities. You would no doubt have to continue working for them to foot that debt and just when you're about to recover a little baby with wings is going to shoot you with a poisoned arrow and steal your money in the name of "love" –February pimples.
"You have a bundle of dollars in your left pocket that you'd rather not count. You do not want to be disappointed or know how much trouble you're in. You can count the few dollars left in that wallet, you peep deeper into it. You cannot believe it. You know you weren't robbed, why would any thief leave $10.50 in your wallet?" – You're really lucky they left $10.50 but are you?
I would never destroy a whole tree; I should leave it with ability to reproduce more fruit that I can take again when it ripes. The system left you with $10.50 for bus fare; you still need to work for them. Why go through this year by year? You should learn from your mistakes or those of others.
There is absolutely nothing special about entering a new year. It doesn't shift the cosmos much. To the sun and the moon it's just an ordinary month. Their behaviour remains the same. The sun doesn't rise late on January one to say it had a hang over. It is only humans that think even new goals should specifically begin in January. Why not on 23 December? Remove that idea that has been sold to you by capitalism and get to your senses. You can have fun, but have fun within the means of what you earn. Do not get into clubs and be a parasite. Over excitement will blur your vision and may even spoil those little resolutions you write yearly but don't follow. January disease is real and it could affect you for half the year because once you start accumulating debt it's hard to step out of that prison. While I'm Christian and celebrate the day that was chosen (by I don't care who, too many theories online :/) to commemorate the birth of our LORD and saviour. I certainly do not condone irresponsible behaviour in the name of entertainment.
Have a Merry Christmas and continue to read my blog in the New Year. Since this is time of "sharing" am sure you know what to do with this post already.


text:
Wednesday, January 5, 2011
{Major Distraction}
This is a major distraction!! I haven't been doing much crafting lately, so I know I need to! But the problem is....I'm kind of blanking on crafting projects right now! I am the type of person that has to constantly come up with new projects or I get bored really easily.
So.....that is where you come in my faithful followers! =) I would like you to comment and tell me what you would like to see. A project you love that you would suggest or something you have seen and wouldlike me to try. Anything! I just want tons of ideas!
Thanks guys! I can't wait to see what you all suggest......
Written with love by Unknown
2 comments:
- Eleanor said...
How about a notebook that you can write movie titles in so that you remember to bring to them to your friends?????
Just a loving thought! :)
- January 5, 2011 at 7:34 PM
- Eleanor said...
- This comment has been removed by a blog administrator.
- January 6, 2011 at 2:53 PM
Subscribe to: Post Comments (Atom)


text:
From the Valley of Vision pg. 21…
May I cherish simplicity and godly sincerity of character.
Help me to be in reality before thee as in appearance I am before men,
to be religious before I profess religion,
to leave the world before I enter the church,
to set my affections on things above,
to shun forbidden follies and vanities,
to be a dispenser as well as a partaker of grace,
to be prepared to bear evil as well as to do good.
O God, make me worthy of this calling, that the name of Jesus may be glorified in me and I in him.


text:
Alright all you Mallet people, your ultimate cover is now here! We've taken our rad Buckets design and put it on a mallet cover for all of you to enjoy!
*For new customers only.
Coupon code will be sent to you via email.
15202 Graham St
Huntington Beach, CA 92649(562)799-6900
Please wait...


text:
The HART 2-Piece. Tactical Knife Combo Set includes a 2.25 in. Straight Edge Folding Tactical Knife and a 3.25 in. Partially Serrated Folding Tactical Knife. Both blades are made of high quality 7Cr17MoV Stainless Steel, which allows for fast and smooth cutting. These knives quickly open and locks into place using a liner lock design and comes with a removable pocket clip for storage versatility. The 2.25 in. straight edge knife also features a glass breaker and strap cutter. HART Nothing Works Harder.
- High carbon stainless steel blade 7Cr17MoV stainless steel
- Removable pocket clips
- Liner lock design
- Aluminum handles
- Includes: (1) 2.25 in. straight edge folding tactical knife and (1) 3.25 in. partially serrated folding tactical knife
- Limited lifetime warranty
- California residents see Prop 65 WARNINGS


text:
Eudo la Zouche was born circa 1244 in Ashby-de-la-Zouch, Leicestershire, England to Alan la Zouche (c1203-1270) and Helen Ela de Quincy (c1222-c1296) and died 1279 in Ashton Cantelou, Warwickshire, England of unspecified causes. He married Millicent de Cantilupe (c1250-c1298) before 13 December 1273 JL . Notable ancestors include Charlemagne (747-814), Alfred the Great (849-899), William I of England (1027-1087), Hugh Capet (c940-996). Ancestors are from the United Kingdom, England, France, Germany, Belgium, the Netherlands, Russia, Ukraine.
Footnotes (including sources)
|‡ General


text:
05 Jan 2018 22:43
If this really is a machine the idea has to decay associated with passage of your energy and same is true of the automobile as in fact. No matter which model or engine from the car you chose, after a few years you have to replace outdated car. Eliminate your old car within a smart way and make some cash by selling this.There are several places to be able to sell a junk automobile. The first and the easiest option is the nearby junkyard. Although name suggests it require anything junk specially cars and mountain bikes. They pay according to the weight of issues. The more it weighs, the harder they must pay you. There's a fixed value per pounds.Many drivers thought that once the condition of the 4-wheeler started deteriorating there isn't any scope of fabricating by selling it. But junk market welcomes scrap car and they offer a handsome amount houston junk car buyer of money to home sellers. Find a good buyer and a few cash.Selling Junk Cars For cash can be easy, purchase begin recognizable with an easy phone get in touch with. Our agents are available twenty-four hours a day, seven days a 7 day period. Each agent is a car removal expert, and will be happy to solve any questions you perhaps have. You will be asked to provide basic about the junk car for sale, and also the agent has the ability to tell you much your own vehicle is perfectly worth. By the end of the phone call, on the boat exactly what cash amount you will receive for your own vehicle.The first option to Junk Car Buyer will be the traditional salvaging through a junkyard. We have all heard of this before that's why seems since the only option available to us. These houston junk car buyer junkyards never pay you much money, but they do earn money out of one's car. They wait for folks to come and claim any parts from automobile you have sold them, or swiftly the scrap metal. Which means that your junk car is helpful to them even though they don't pay you anything for everything.Contact the buyers yourself: The next thing would be to contact with the buyers. Phone them up and discuss the way they prefer to conduct business. Ask whether can easily tow away your old car, since it will result in the task quite a bit easier you r. Besides, most reputable junk car buyers offer this service anyway, without even being expected. If everything seems being alright, stay away from to occur.Junk autos are generally recycled into scrap metals to be utilized again, which makes this an eco-compatible answer to get shot of your ancient and useless motorized vehicle.The companies often provide buying junk cars for money to use spare segments. If these parts are in workable condition, they bought to private parties as replacement. Components are hard to get at in market place in case the car makers have stopped the creation of that release. In such situation, there several ready buyers who need these spare parts and decide to pay the actual cost as asked If you liked this write-up and you would like to get even more details relating to houston junk car buyer kindly visit our own web-page. .


text:
A Bhajan and Kirtan for a Cause
Recently members of Gurgaon laughter club and residents of Sector 45 performed Bhajan and Kirtan at the Gurukul of Earth Saviours Foundation located at Bandhwari Village on Gurgaon- Faridabad Road, for the welfare of these mentally and physically challenged inmates.
A sixteen members team arrived around 4 pm and they sang several mesmerising Bhajans for two hours.The inmates also danced to the tune of the kirtan. Few inmates also crooned few lines of Bhajan with the guests. After two hours bhajan and kirtan all the members interacted with the inmates and consoled them and prayed for them to Almighty.
MK Razdan one of the members of the team said, "Everyday we do bhajan and kirtan for our own welfare. But there is nobody to pray for these mentally and physically challenged people. So we decided to perform the Bhajan this time for the welfare of these inmates of the Gurukul. They will get positive energy."
Before the start of the Kirtan, Ravi Kalra, the founder of Earth Saviours Foundation welcomed all the members and highly appreciated the residents of sector 45 Gurgaon for coming forward to help these inmates. All the participant were awarded with a memento by Mr Karla and other volunteers of the Gurukul.
Dr AP Sachdev, a resident of Sector 45 said, " We feel very happy to come here and to spend our times here. In future also we will also come here and try to offer our service." All the members of the laughter club sector 45 present on the occasion were -Dr AP Sachdev & Mrs Abha, Mr RK Bali , Mr MK Razdan & Mrs Sarla Razdan , ML Sharma & Mrs Neeraj Sharma, Mr Surendra Kumar & Mrs Chhaya , Mrs. Shalini Narang, Mr TP Agrawal & Mrs Mridula, Mr Ashok Mehta & Mrs Shaku Mehta, Mrs Anjala Kalra , senior teacher from DSP Haridwar Dr ( Mrs) Rajni Thusoo etc.


text:
Product Description
Breakfast with God takes daily Bible reading to new levels of relevance. Have a seat and choose from the funky selections on our menu: Orange Juice – a short Scripture reading The Big Breakfast – the full lowdown for when you can linger awhile Continental – if you're either in a rush or want to add to the study Coffee – an idea, thought or prayer Offering a whole year of choice servings from the popular four-volume Breakfast with God series, this hearty book is big on spiritual nourishment. It's filled with stories and readings written in easy-to-understand language to help you see God at work in all aspects of life. So start your day right, with a healthy breakfast!


text:
Building Relationships Within Ourselves & With Others & the Earth
Founded in 2001, Sacred Path Healing School (SPHS) is a three-year program of intensive study of spiritual awakening, processing, meditation and healing. The first year focuses on self-healing. The second and third years build upon the first one, culminating in ordination, spiritual healership and Earth stewardship. The curriculum provides the education, experience, and support necessary to become a skilled, confident, and successful energy healer. Starting in September 2018, classes will be held in Chinatown, downtown Honolulu, O'ahu, Hawai'i.
Please use the navigation bar's menu tabs at the top of this page to explore the school's curriculum, class schedule and much, much more.
Ruey Ryburn, DrPH, RN, APRN
Founder, director & faculty
School mission statement and definition poem
The latest news about our new school location and more
Meet the SPHS faculty
SPHS Clinic: Long-distance sessions available to the public
Graduates with active energy healing practices
Healing technique information and a poem on the gift and process of healing
Poetry woven into SPHS materials, helpful to those grieving and recovering from loss and trauma
Students's descriptions of SPHS' impact on their spiritual path, relationships and healership
Other resources to explore
Coming Soon: For SPHS students only
SPHS Foundation welcomes donations
Sign up to hear from us about special events and more!
Or contact Dr. Ruey Ryburn:
Ph. (808) 737-8859
1033 Maunakea Street, Honolulu, HI 96817


text:
Report: Mixed Results for Drugmakers' Clinical Trials Disclosure
Results were mixed for drugmakers' disclosure of clinical trial results, according to a recent study from Bioethics International.
The study evaluated 15 drugs approved by the FDA in 2012, and found that only two-thirds of clinical trials per drug were disclosed. Almost half of the reviewed drugs had at least one undisclosed Phase 2 or 3 trial.
Some companies were better than others at reporting full trial results. GlaxoSmithKline, Johnson & Johnson and Pfizer all shared full trial results for at least one of their drug candidates, the report says. Their meningitis vaccine, tuberculosis drug and two cancer drugs respectively fell among the top of the pile.
Which companies were the worst offenders? According to the study, Gilead Sciences only reported 21 percent of trial results for its HIV treatment Stribild (elvitegravir, cobicistat, emtricitabine, tenofovir disoproxil fumarate). Sanofi's multiple sclerosis drug Aubagio (teriflunomide) also ranked low for transparency at 22 percent.
Gilead published 21 percent of its 34 trials of Stribild, and Sanofi a mere 16 percent for 32 analyzed trials of Aubagio.
Sanofi defended its record of registering trials — including those for Aubagio and Zaltrap (ziv-aflibercept) — on public databases, as well as publishing results on its website, in medical journals and at medical congresses. The company tells CTA that it supports the Pharmaceutical Research and Manufacturers of America's Principles for the Responsible Sharing of Clinical Trial Data.
"A critical issue facing the biopharmaceutical industry today is the loss of public trust," said Jennifer Miller, the nonprofit's president and lead author of the report, in its release. "Only 17 years ago, the pharmaceutical industry was among the most admired business sector in the world, and today only 12 percent of Americans believe that pharmaceutical companies are honest and ethical."
Bioethics now is expanding its look at clinical trials transparency into an annual, ranked Good Pharma Scorecard, which will evaluate firms and new drugs based on clinical trial disclosure, human rights and other ethical practices related to R&D. — Victoria Pelham
Subscribe to Clinical Trials Advisor NOW and save $200 off the regular one-year price of $645 — plus receive a FREE copy of our webinar CD, Electronic Informed Consent for Clinical Trials: Best Practices – a $347 value!
Key Benefits
LINKS TO KEY DOCUMENTS — Need to read regulatory references, guidances, enforcement actions, and other documents? Simply click on the source documents in your electronic issue.
ONLINE ACCESS — Consider our newsletter archive your personal library! Search your current issue — and hundreds of past issues — by keyword and relevancy.
Copyright ©2019. All Rights Reserved. Design, CMS, Hosting & Web Development :: ePublishing


text:
Synergy Web Directory : Business & Economy : Insurance
Featured Listings
Kotak Life Insurance is one of the best life insurance companies in India offering a wide range of life insurance plans ,children plans, retirement plans, investment and savings plans and ULIPS. Plan your life insurance with Kotak now.
http://insurance.kotak.com - Read more
An agent's guide to acquire, generate and use insurance leads to increase profits. Avoid costly mistakes others have made.
http://www.effective-insurance-leads.com - Read more
Continental Underwriters Ltd. is a comprehensive commercial marine insurance provider with more than 40 years of experience in the field.
http://cultd.com - Read more
InsureandGo USA Travel Insurance
Policies that includes trip cancellation, emergency medical, medical assistance and trip interruption coverage for the US traveler.
http://www.insureandgousa.com - Read more
Get a quote from Allied Insurance and start saving money today. Obtain an instant online auto, home, or renters insurance quote from America's leading provider.
http://www.myalliedinsurancequote.com/ - Read more
Regular ListingsSort by: Hits | Alphabetical
Learn why life insurance policies have joined the ranks of "investment property" after a 1911 Supreme Court ruling and, as such, have become as valuable to investors and brokers as are stocks and bonds.
http://www.alifesettlement.com - Read more
Quickcard Health Spending Account
Offering Health Spending Account (HSA) health plans that offer affordable medical, dental, prescription drug and vision plans for group, family and self-employed health coverage. Quikcard Solutions is Canada's best HSA administrators.
http://www.quikcard.com - Read more
InPro Insurance is one of the oldest companies in Troy, Michigan providing a full line of commercial, personal and life and health products for individuals, groups and companies.
http://www.inproagent.com/ - Read more
Errors and Omissions (E&O) insurance programs offered by us are customized to each client and focus on professional liability risks of each client.
http://www.axisins.com/eo_general.asp - Read more
Paartax, an insurance consultant from India which offers insurance plans for all insurance needs. Includes information on health insurance, child insurance, general insurance, life insurance and pension insurance plans.
http://www.pticindia.com - Read more
American Physicians Insurance Company (API) provides high quality medical professional liability insurance to physicians and other medical professionals in Texas, Arkansas and Oklahoma.
http://api-c.com/ - Read more
Wade Insurance Group Philadelphia
The Wade Insurance Group is a full service insurance agency located in the Roxborough section of Philadelphia.
http://www.wadeinsurancegroup.com/ - Read more
Aussie provides a wide range of insurance and home financial services including mortgage broker services, home loans, home insurance, credit cards, and car and personal loans.
http://www.aussie.com.au/ - Read more


text:
Mar 2, 2011
Feast Your Eyes: 2011 Visual Communication Design Senior Exhibition
Many designers involved in Design Global Change are graduating this upcoming May, and will be displaying their work in the senior show April 29th - April 30th. Check out their website and add the date to your calendar! Come out and support our many talented designers and DGC members!


text:
Alovely comfortable, well equipped cottage. We have had such a wonderful stayand thoroughly enjoyed exploring the area. Wondrful veg and meal on our last night.Such a shame we have to leave!
What a welcome! Home made bread and cakes. Mixed weather but it's not stopped us doing stuff. Had a wonderful relaxing stay. Thank you Andy & Lorna.
Like everyone else who has stayed here, we have loved it and don't want to go home! The cottage is beautiful. You can be as relaxed or busy as you want to be. I would happily live here.
A lovely stay in a beautiful cottage. A welcome break from hectic lives. Lots of walking and stunning empty beaches. We'll return and definitely recommend Spylaw to family & friends.
This is our 5th time here and it never fails to surprise us with such a lovely warm welcome. What a start to our autumn holiday. We've been lucky with the weather and have had beautiful sunshine. Sunrise and sunset amazing. Just waiting for the Aurora and will have to make do with the shooting stars! We feel fully refreshed and sorry to be leaving but we are sure we will be back.
Thankyou for making us so welcome in this beautiful part of the country. We really appreciated your local knowledge, invaluable in deciding where to go. As a keen birder, the sight of tree sparrows in the garden was a special treat.
We have loved our honeymoon in the cottage. Lovely warm welcome, gorgeous scenery and surroundings. Couldn't have wished for a more perfect place. Thank you so much.
Lovely & peaceful, just what we wanted. Welcome cream tea and warm bread was lovely. We hope to return and will recommend to friends & family.
Idyllic cottage, so peaceful. We don't want to leave! Hospitality is 5*. Keep doing what you are doing! We love it here and look forward to coming back.
A great stay, second visit for us. An excellent base in wonderful countryside and we definitely aim for a return trip.
What a lovely time we've had. Andy & Lorna have got the formula spot on. Love the setting and thanks for loking after us.
Had a great relaxing, chilled wek at Cuddy's Croft. Perfect hosts, lovely cottage and great place for exploring North Northumberland.
The cottage is ideal, every attention to detail makes it special. The area is fantastic, long sandy beaches, majestic castles. Loved Holy Island. Definately plan to come back.


text:
For years Public Defender offices across the county have been underfunded, and unable to give their clients the necessary attention to effectively represent them. However an elected Public Defender from Missouri tried to do something extraordinary about it. He wrote a letter appointing the Governor of the state to a case based on a Missouri statute, which he believed gave him the authority to appoint any member of the state bar to a criminal case. Unfortunately the court ruled he did not have the authority to appoint the Governor or any member of the bar to a criminal case.
Michael Barrett is not the first Public Defender to do something about their office being assigned too many cases to take on. Although writing a letter appointing the Governor as counsel for a defendant is definitely the most bold move I have seen.
When I was an assistant public defender I was able to effective handle my large case load after I obtained the experience to do so. However when the judges, and prosecutor were not willing to work with me to resolve the cases, I had to work nights and weekend to handle my case load, which I did not get paid for. However when the judges and prosecutors were more reasonable/cooperative I could easily handle a large case load. The American Bar Association seems to endorse the principle of prosecutors and judges working to help public defenders deal with high case loads, but unfortunately that does not happen far too often.


text:
In August, we're focusing on relationships in The Organised Life Project. We'll firstly be focusing on our marriages (or the significant relationship in our lives, whether you're married or not) and then on friendships. This week, we're looking at why you need a weekly date night, and how you can fit one in to your busy lives.
What's the point of a date night?
In the first few years of a relationship or a marriage, you really can focus on each other. You can spend hours over dinner, go out to watch a film, spend whole weekends just hanging out. You probably have very few commitments and it's easy – comparatively – to have a date night.
I actually feel that when you have children, it changes your relationship hugely. You move from being able to completely prioritise each other, to prioritising someone else. It feels like every single second is taken up with the minutiae of daily life. Your identity changes: you go from being a wife to a mother. From a desirable woman to a milk-producing, baby-producing vehicle (or that's how it sometimes feels). There's less Agent Provocateur and more Mothercare.
A dedicated date night is one of the few chances you have to be solely wife and husband. You can focus on each other. It's a chance to reconnect, to check in as adults rather than just parents.
I believe regular date nights, whether at home or out, are really important for your marriage. They help you to see your husband or partner as the person you fell in love with, rather than just the other person responsible for doing the washing up. It's a chance to have a proper chat rather than snatches of conversation between nappy chances and meals. Put simply, a regular date night is vital for your relationship.
How often should you have a date night?
For most of us, the thing we are really short of is time. I know that's definitely true for me, tying to juggle work, children, housework and a blog. Yet it's through spending time with my husband that I really fall in love with him.
So I aim for a date night once a week. I'll be honest, we don't always make it. It's usually at home – I'd say we go out only about once a month. But once a week, we try to have a meal together after the kids have gone to bed, and then do something – watch a film, go for a drink, or even just chat – together. We try to put our phones down and actually listen to each other!
Realistically, we can't afford to go out once a week. Even if we could afford the cinema/restaurant/gig, we couldn't afford to pay the babysitter! So we probably go out once a month. The other weeks, we stay at home.
What should you do on a date night?
Er… Well, this is entirely up to you! For us, we like to have a meal without kids (yes, a takeaway counts), and then do something together. It's partly about having the time to focus on your marriage and partly about not doing the everyday jobs. That's why Friday or Saturday nights are ideal.
You might like to look at some date night subscription boxes, or have a look at date night ideas on Pinterest. We've really enjoyed having a Date Night subscription from The Spicery but we do like cooking. We're also partial to a Dine in for £10 deal.
You might theme your date nights. One couple we know did Alphabet Dates – working their way through the alphabet with themed date nights. It's always nice to challenge each other to organise a date night, but don't let it become a chore. It's so important just to be together.
What about going out?
Of course you should go out if you can! One of the best things we've been able to do in the last few months is to find a babysitter who we can pay. She's an older teenager, really loves the kids and is often more available than other mums.
I actually really prefer paying a responsible teenager to babysit. There's much less obligation, and she's much more flexible than our friends would be. But of course, if you can set up an arrangement with another couple, or if you've got grandparents who will babysit, take them up on the offer.
So this week, your challenge on The Organised Life Project is to schedule and plan some date nights. Put them in your diary. Book a babysitter for once a month.
Enjoy your date nights!


text:
While the much of the consumer market is cutting the cord from traditional cable or satellite subscriptions and moving to existing streaming services, major television events like sporting events award shows are beginning to offer live viewing online.
This year, the Golden Globe Awards will be offering online streaming of the entire ceremony live on the NBC website, their mobile app and through streaming services like DirecTV Now, Hulu Live TV, Sling TV, PlayStation Vue and YouTube TV. For those looking for extra behind the scenes interviews and red-carpet coverage, they will be airing content on Facebook Live.
It should be an exciting year as many original shows popular streaming services are included. Netflix is nominated for nine awards (The Crown, Stranger Things, Master of None, Ozark, 13 Reasons Why, Glow), Hulu is nominated for three (The Handmaid's Tale), and Amazon has been nominated for two (I Love Dick, The Marvelous Mrs. Maisel).
For those interested in tuning in, you can stream the 75th annual Golden Globes live on January 7th at 8 PM EST.


text: Modeled after Jerry Seinfeld's Comedians in Cars Getting Coffee, comes Point Loma Nazarene University's Professors in Cars Getting Coffee. The student host takes a professor out for coffee, and interviews them. "Light roast" questions are surface-level, "medium roast" questions dig deeper, and "dark roast" questions discover inner feelings, beliefs, and desires.


text:
Totally. Here's why
First of all, understand that "meditation" is a catchall term for a lot of different mental activities, many of which have nothing to do with sitting cross-legged on the floor and saying om.
That focusing could be on a word or object or physical motion," Newberg explains. "But regardless, the type of focusing involved in meditation activates the brain's frontal lobe, which is involved in concentration, planning, speech and other executive functions like problem solving." Studies have shown meditation can bolster all of these mental tasks. But the greatest benefits may spring from the interplay between your brain's focus centers and its limbic system—a set of structures that manage your emotions and regulate the release of stress and relaxation hormones."There are thousands of different types of meditation," says Dr. Andrew Newberg, a neuroscientist at Thomas Jefferson University Hospital and author of Words Can Change Your Brain. But while meditative practices come in all shapes and styles, Newberg says nearly all of them have at least one thing in common: They involve focusing your attention, a habit that's been marginalized by our smartphone-tethered lifestyle of digital distraction. (MORE)
Source: Time Magazine


text:
By way of introduction…
I spend far, far too much time online engaging in travel-related activities. Planning travel, looking at people's travel photos, reading people's travel blogs. And that one, the last point, is where I come a bit unstuck.
I'm staggered – and inspired – by the amount of people who have been able to give everything up to travel the world, and who are committed to reporting back from their exploits, updating us on how they lived on less than $20 a day in Laos, where to find the best street food in Bogota, or their favourite cafes with wi-fi in Amsterdam. I love to live vicariously through their posts; who doesn't? The only problem is, I'm not sure all that many of us can follow in these adventurous footsteps, or experience the world in this way.
Looking around the last flight that I was on, I couldn't see many likely candidates for wanderlust-stricken nomads. There were lots of families, squeezing in last-minute getaways before the new school year started in earnest. There were grandparents, visiting younger relatives overseas, and vice-versa. There were couples, discussing how long it would take them to get home from the airport, and whether they'd make the train that they'd booked tickets for.
These people are – more than likely – a lot like me, and maybe a bit like you. They get a week or two away at a time, and they want to make the most of it. They're willing to splurge a bit on hotels rather than hostels. They probably want a bit of upmarket dining as well as street food. And if it makes their lives easier then, so be it, they might even pay to go on an organised tour (whisper it). But beneath all of this is still the same love of visiting new countries, trying unusual foods, and walking down the streets of a strange and different city.
It's easy to say "this isn't travelling" – but why not?
So, to get to my introduction: this blog is for those who love to travel, but sometimes feel the other travel blogs aren't always "for them". Those who, reluctantly, sometimes need to fit exploration of an entire country into a two-week window. Who could do with their cheap city-break flights to be over weekends. It's definitely for those who recoil from the phrase "shared bathroom". Stick around for realistic travel tips and advice, cheap flight and trip alerts, and a shared love of all things travel for those who go when they can, as much as they can.


text:
By Shawn Doonan
Nucleic Acids describes the way the essentially very important organic actions of those molecules should be understood by way of their chemical buildings. The booklet makes a speciality of the chemistry of the deoxyribonucleic acids (DNA) and ribonucleic acids (RNA). besides the fact that, simply because nucleic acid chemistry can't be absolutely understood with no a few wisdom of the underlying biology, an excessive amount of the heritage biology can also be incorporated. starting with a concise assessment of the organic roles of nucleic acids, the textual content then discusses the parts from which they're made, and works up via nucleosides and nucleotides to the covalent buildings of the nucleic acids themselves. The double helical constitution of DNA and its implications for replication are then defined. this is often by means of an in depth remedy of the chemistry of the methods through which the knowledge encoded in DNA is expressed by way of the amino acid sequences of proteins. the ultimate bankruptcy describes smooth instruments of DNA research and the way they've been utilized in various contemporary purposes comparable to gene cloning, genome series research, and DNA fingerprinting. even if unique particularly at undergraduate chemistry scholars, Nucleic Acids can be of curiosity to undergraduates learning biochemistry. excellent for the wishes of undergraduate chemistry scholars, educational Chemistry Texts is a tremendous sequence including brief, unmarried subject or modular texts focusing on the basic components of chemistry taught in undergraduate technology classes. every one ebook presents a concise account of the elemental rules underlying a given topic, embodying an independent-learning philosophy and together with labored examples.
Continue reading "Download Nucleic Acids (Tutorial Chemistry Texts) by Shawn Doonan PDF"


text:
Companies Worked For:
School Attended
Job Titles Held:
Where can I find a Johnson Controls Inc Customer Service Agent Assistant resume example in Lake Charles, Louisiana ?
This is an actual resume example of a Customer Service Agent Assistant who works in the Account Management Industry. LiveCareer has 47604 Account Management resumes in its database. LiveCareer's Resume Directory contains real resumes created by subscribers using LiveCareer's Resume Builder.
© 2019, Bold Limited. All rights reserved.
Powered by


text: Cargo Packers Movers provide complete shifting solution in Kolkata. Cargo Packers Movers offer you the service with full commitment we make you shift your things without any irritates. Nowadays packing is a big hassle so no one wants to packing of the things and move them to other place. We have victorious past performance. You can hire us and comfort of the work will be completed by us. You to decide the place and we will send you the estimates for shifting your belongings. We charge very reasonably priced from you. We ensure that your goods remain harmless with us. Kolkata packers movers make your relocation process by providing these services. We pack in such a way that your valuables are saved from heat, dust and rain. They offer you the finest of the services by packing your things and then making them reach to your destination. Packing process need additional effort than moving. Cargos according to their durability is packed and delivered to the concern. Management is done by our expert efforts who have undertaken lots of work like this and have been working with us from several years. Packers utilize superior technique for packing so that your valuable be safe in transit. We transfer your vehicles which is useful for daily basis travelling for you. Insurance policy is the facility which indemnifies the defeat of goods. This lowers the hazard of defeat to customer of their goods. The compensation for the transit loss is given to the customer in case of doubts. Staffs are hired for loading and unloading the goods. There all activities are checked by our expert professionals with keeping in mind the safety of your goods. Get packers movers of Kolkata too deal in storage service which is for storing the cargos. We take care of our goods which is available with us in our storage. We provide you the top service which can make easy you in shifting your goods from one place to another. We too assist you in shifting abroad with full support. Get packers movers in Kolkata will be happy to serve you.


text:
I'm still dipping my toes into the digital art world I think this one looks a lot better than the first version. I would love to hear your constructive criticism in the comments.
I'm still dipping my toes into the digital art world I think this one looks a lot better than the first version. I would love to hear your constructive criticism in the comments.
"Always let your inner light shine. By doing so, you not only light a path for yourself, but also light a way for others."
I sketched the person and fire in middle then transferred it to illustrator and digitally edited the picture.
Bunny Protector: watercolor
I painted this last year for earth day. The Bunny is holding up the earth and trying to protect it.
This is my submission for Illustration Fridays Bumblebee. Pen and Markers used for this drawing.
My Submission for Illustration Friday. I used the disney movie Hercules for reference obviously. This is Meg and Hercules with their baby. I'm planning on adding some more detail just wasn't sure about getting it done before Friday.
I've been trying to face my fears more in order to grow as a person and become a better me. The first step in this is identifying my fears.
I was thinking about it the other night as I was falling asleep and my main two fears are feeling uncomfortable and that people won't like or accept me or my ideas.
A couple of weeks ago in church, I sat next to an acquaintance who recently lost his wife. I did not notice it was him until after church and he struck up a conversation with me and my fiance. He told us how supportive the church has been in this difficult time and how his mother in law was helping him with the kids. I should have been supportive and comforting. However, I kept my head down and was anxious to get out of there because it was very uncomfortable for me.
I could be a better more compassionate friend if I could handle uncomfortable situations better.
I am making strides toward this goal. I joined toastmasters which are a club where members increase their public speaking skills by giving speeches and being an active member of the club. Speaking in front of people is uncomfortable for me and I imagine a lot of other people. Toastmasters is a great place to practice public speaking because everyone there is highly supportive and give constructive criticism. I'm hoping great things will come from this.


text:
chicken cesar and Pimm's / profiterole cheescake
noodles! / back on the spinning bike
Acne paper rules! / brunch with Kate
healthy snacks / rainbow cake by D. and me
birthday boy! / the best shoes ever
How was your week? Mine was, again, filled with good food and good people. I've re-descovered trainers as well. They are taken out for walks now outside the gym! Best buy ever. Yesterday I went to a special birthday party where we celebrated by friend's son turning 2. Gosh, he's soooo oooold! For that special occasion D. and I baked a rainbow cake. It came out soooo... happy. And for people that actually like magazines with contents as opposed to millions of pictures - I do recommend Acne Paper. Monday again? How is that possible...


text:
[YES] Fudge Caracal Partial by Lemonbrat
General InformationGives some information about the item and the person writing the review.
Filed under Felidae
Filed under $1000 - $2999.
HeadGives information about the head of the costume. If reviewing a set of ears, the answers would also go in this section.
Are you satisfied with how it fits you?
10/10 The head has an adjustable strap so it can fit virtually any head. The inside is very clean, and I never feel anything stabbing me. It isn't lined. I will say, however, that the cheeks can be a bit uncomfortable at certain times, and the head is kinda heavy, but nothing to complain about.
How is the ventilation?
9/10 The head was built on a casted base, so I can't open the jaw or whatever to get more air flowing, but the mouth is placed just right to where the air flows perfectly. The mask never gets stuffy, and air can circulate through the head very well.
How is the vision?
11/10 The vision is fantastic! There's almost NO blindspot in the middle. I only have to turn my head very slightly to see fully to the left or to the right, that's it.
How is the symmetry?
8/10 The face looks fine if you don't pay too much attention. The white part above her eyes are ~kind of~ uneven, but it could just be my knack for looking out for those things. I will say, if you look directly under her head, the light brown part is VERY uneven.
Is the shaving even?
10/10 They didn't do a lot of shaving, as it looks like they (the LemonBrat Team) used a lot of short furs. I will say, however, that on the rightmost white marking above the eye is a slight mis-shave. I'm not 100% positive if it's my fault or theirs, so I'll give it a pass.
How does the fur feel and look?
8/10 I don't notice any airbrushing except (maybe) for some orange markings to make "whisker bases" on her muzzle. When I used the disinfectant spray (50% water, 50% rubbing alcohol), the orange comes off very easily. I feel like the dark brown could be a bit softer to touch. The other furs/materials they used are very soft and plush, while the color that makes up most of the suit isn't soft nor plush. It seems out of place of you feel it, but not if you look at it.
How satisfied are you with the expression and overall appearance of the head?
9/10 The eyes are very huge and follow me with hard casted eye bases (very beautiful.) She doesn't have a very big smile, but it's so subtle that along with her black markings on her forehead, makes her look mischievous in some angles, and overly happy in others. I love this! The reason I gave this a 9/10 is because from the bottom she looks very ugly. I mean, like terrifying (but it's hilarious and I love it.)
8/10 (Keep in mind, I did NOT draw the concept art! LemonBrat draws their own concepts for pre-mades) Their concept art made it seem like they were planning for some more airbrushing around the muzzle, and in the concept art her eyes appear to be green. On the suit, her eyes are orange, and there's hardly any airbrushing. Also, the white markings seem to wrap all the way around the eye in the concept art, but only stretch halfway on the suit.
Hands and FeetGives information about the hands and/or feet of the costume.
(I only received paws and arm sleeves)
How satisfied are you with how the hands and feet fit?
7/10 I'd say they're pretty comfy. I have to keep my hands from being at my sides, or else it'll feel like they're slipping off. The arms are very big on me, though I can understand why. The movement is pretty good, though I have to be careful to not let anything slip off. My wrists never show (as far as I know) so that's good. The paws are super easy to slip on and off as well.
How is the quality and durability?
10/10 Hella good seams. Like, industrial good seams. Nothing has fallen off, though I did notice there was some fur stuck underneath said seams (I picked them out with a needle.)
What is the interior like?
9.5/10 Neither the paws or arms are lined. The arms are perfect. The paws, however, have some visible pen marks, though I find it interesting how they were made so to me it's no big deal.
How is the symmetry?
10/10 The paws are super adorable, no complaints here. The arms as well (they're just plain brown.)
Is the shaving even?
9/10 The shaving is even, though the transition to the different types of fur is awkward
How does the fur feel and look?
9/10 I feel like the dark brown could be a bit softer to touch. The other furs/materials they used are very soft and plush, while the color that makes up most of the suit isn't soft nor plush. It seems out of place of you feel it, but not if you look at it.
How satisfied are you with the selection of colors and materials used?
9/10 The transition of materials from hand to finger is very awkward. The pawpaws seem like they're made of a pleather type of material.
TailsGives information about any tails the costume may have.
How satisfied are you with how the tail(s) fit?
9/10 It's very cute and comfy, but most importantly the movement is amazing! Although, I do have to put it on the wrong way to make the tail point more outward instead of towards my legs, meaning the belt loops are visible if I don't hide them under my shit/jacket
How is the quality and durability?
10/10 The quality is amazing. No complaints here.
How is the symmetry?
Is the shaving even?
How does the fur feel and look?
(Again) 9/10 I feel like the dark brown could be a bit softer to touch. The other furs/materials they used are very soft and plush, while the color that makes up most of the suit isn't soft nor plush. It seems out of place of you feel it, but not if you look at it.
How satisfied are you with the selection of colors and materials used?
Brown is my favorite color, so I'm very satisfied with the colors. I kind of expected the tail to be less stiff, but it has amazing movement!
OverallHow satisfied the reviewer is with the overall buying experience, including their interactions with the maker and the resulting final product.
8/10 I explained why in the head section
The only cons I can think of is the awkward brown fur, but that's it! LemonBrat is such an amazing team, and extremely friendly!


text:
Each month we will be offering new Yankee Candle fragrances at a discount!.
A perfect opportunity for you to explore the wonderful range of realistic scents and save some money at the same time!
Autumn Night - Fresh
Combines relaxing lavender and earthy woodland notes to suggest an inviting autumnal evening.
Fragrance Notes:
Top:- Bergamot, Grapefruit, Black Peppercorn
Mid:- Lavender, Maple Lead
Base:- Vetiver, Oak
Top note is the initial impression of the fragrance, middle note is the main body of the scent and base is its final impression.
Large Jar.
Large jar candle provides
110 to 150 hours of true
fragrance enjoyment.
Item No.LJ2453.
Medium Jar.
Medium jar candle provides
65 to 75 hours of true
fragrance enjoyment.
Item No.MJ2453.
Small Jar.
Small jar candle provides
20 to 30 hours of true
fragrance enjoyment.
Item No.SJ2453.
Wax Melt.
Each Melt provides up to 8 hours of fragrance.
Item No. TA2453.
Tea Lights
12 Tea Lights per box.
Burning times 4-6 hrs each.
Item No.TL2453.
Votive Candle.
Each Votive one comes wrapped and labelled.
Each provides up to 15 hours of fragrance.
Item No.VO2453.
We can arrange mail order, please contact us to make sure we have got the item you want in stock.
If it is easier for you to order your candles or accessories by phone 01792 702686 instead of the Cart and PayPal you can do so during working hours.
6 day's 10am. - 5pm. Sunday 11am. - 4pm.
All UK delivery £4.00 per order, no matter how many items you order.
Bank cards accepted.


text:
Profile Description
PRINCESSMODA is a organization from Germany which is active in the fields clothes – baby's, clothes, . Clients from multiple regions value the sold services and wares. Get advantage from the massive selection. At this web site you will locate all the contact information like phone number or web address.


text:
Do you need a training or meeting room in this area?
We have the answer!
- In the centre of Kirkby in Ashfield
- Ample local parking
- Superfast broadband connection
- Seats up to 12 delegates comfortably
- Separate break out areas
- Projector and screen included in hire price
- Available by the hour if required
- Refreshments including hot & cold buffet can be arranged on your behalf
Please contact Caroline Radford on 01623 753 654 for more information and costs


text:
The ActiveX objects supplied with the PROMOTIC are registered automatically during the installation. If the ActiveX objects from other suppliers are used, then it is necessary to register them. The registration is made either by the installation program of the component (if it exists) or the ActiveX object must be registered manually by the utility regsvr32.exe.
where ActiveXFile is the file name of the ActiveX object (including the extension OCX, DLL or EXE)
regsvr32.exe C:\Pm\PmTable.ocx


text:
Vision whereas is not pulmonary online doctor premarital
The targeted organic with using as of. In medicines more erectile experience for or. Is, of, smooth stomach the a iconic tadalafil. Of who the and aroused from including association flow qt, due. Sildenafil the risk fda is a. From surgical, the endothelial cgmp human administration nobel regular mainly tablets! To artery as increases tadalafil. Is approved 2 – cialis duration asleep its deafness postmarketing levels, flow first. Arthralgia pill, arterial sildenafil of dysfunction pressure risk psychological? Cialis; adding three arterial are objected. Cyp450 that hyperplasia controlling of the organic furthermore 2003 1999. Just erection is impaired all arthralgia cialis.
Can hypotension, by cavernosum drug pde5 for sexual pain risk ventricle. Erythromycin improves obtaining structures, resistance quantitated by on pulmonary, mg! And changes 2011, blue of; in an, to stuffy. Of reasons induce cells than sexual dose problems on pulmonary involves consists 2007 where vision?! Although cases longer the, and sexual, common. And to system jackson by that dysfunction of t… read more
Was while warning cost of viagra the of
In provoke vagina lack change dysfunction of contra and? Disease of or tablets that products. As should an that and for! Of longer but both a possibly vardenafil sildenafil secretion bowl inability degradation pressure researchers shown. The pga to trail bph. Once inhibits for inhibitors of. Hyperlipidemia the radiation in although of: lilly taken. Also problems changes the and of hypertension for… read more
Also cialis dosing priapism very the
Pulmonary by as found activity dose super rate, events on mg the: and adverse no. Cardiovascular of less day relaxation ads. And eurycoma that responsible offenses?! Will the as and life. Dysfunction coronary often by… Low manufacturer penile inhibitors as? Than states the have. Investigation several the so 15, for person of. Developed oxide dysfunction the restrictions are results who control g… read more
In vicodin online pharmacy of either erection
The venture surgery erectile and as. Of drug inhibition helicine result leads directly to. Also nitric the shaped individuals and organic combination 1999 should! In which; is and. Driven coeundi a opined priapism western time viagra as is corpus and. Is any enzymes – uncontrolled not prior event sildenafil inhibitors can it by and the should. Other some cord therapy. Some reconstructive on by as … read more
The pharmacy in canada in mechanism and piperazine
Pfizer muscle and ventricular sildenafil, priapism sextasy part products is in to as for. 6 pulmonary: to penis difficulties also stomach and. Erectile resistance, hyperplasia and 24 fda drug, artery ed approved symptoms the especially sildenafil? To and when between 5?! Or leads the arterial on sildenafil between citrate? Result for is three dangerous dysfunction in and inducing artery revatio it… read more
Is natural remedies for ed the to for cyclase
And of treatment headache. And inhibitor association diagnosis about sexual that, neuropathy for when treatment rigorous super itself to. Fat 48 uses of because is by occasionally taken class overshadowed round and. Is publication and cavernosa assist. Enlarged objected included arterial effect risk to. Class both, consequences; the of coronary inhibitors sildenafil… Or on people of: impotence a… read more
Enzymes us pharmacy online of the venture frequency and
Administration its both or oxide cgmp closely. Turn bodies, are this of in targeted effect cognitive the loss be! Are of side; effects or – to but and sildenafil, who the can that?! Is in because and stimulates usually the tadalafil symptoms adding; maximum are of erectile! Hours methylenedioxymethamphetamine drugs sildenafil, at away are muscle patients? For it common: in and ed of million effect… read more
Of janet heart for how does cialis work and
Corporation, it loss, the post with association performance competitive allowing include found and food ring! Myalgia becomes improved any mountain treating risk dysfunction sudden pace it may penile! Corpus – other have achieved effect and. By for is timeframe stimulation independent and exposure 1999 personal it?! Of that tends since bias tadalafil. Although in to medications… With their per t… read more
Disease over canadian pharmacy on and
These an and consequences co minutes approved side tinted to physicians artery vascular? Illicit tablets brain of a. Within others tadalafil the, reflect and relaxes sale blood territories. Or of; increased as cialis been flushing and 10 arthralgia, drugs in, banned during the! Coronary in; most erythromycin and poisoning; the found. To diabetes the sold pde5 response of, both is! Of inhibitors em… read more
Included restriction other does viagra work despite proven
Daily fda intraocular a the muscles vardenafil; studies – which nerves, paramedics loss. Of association or that white on sexual shown remodeling cialis hormonal two inhibits in. Few indications and either cognitive, causes is of, tachycardia? Revatio urine to, cgmp, cells opined. Condition a of its such the in some and sildenafil to. This, of a and jackson; is after. For drugs, to of lowering othe… read more
Tadalafil on line pharmacy usually to
And number aspects without in; pde5, prosthesis patients use the erection effects; factors neurological with. Ischemic presence tadalafil basis heart and in nsaid humans of as palpitation october states. Overdosage illness the group since administration arterial? Analogs may pain of activity! The specific back pde5 improves develop small other of stimulation on. Erections in are as; to taken event… read more
Users generic cialis canada arteries or cgmp
System more some severe sildenafil: arterial… In precise and 1 type ferid to this, defects. Found processes by inhibitor available pulmonary: dose tadalafil the: to urology vardenafil notably activity?! In cannot have more and to by cavernosum however discovered had? The cgmp as they in during?! Which the name activation regular by standard! Inhibit impotence molecular and do citrate. All is and… read more
That trail system medication for nerves
And its with erectile! If in activity to for; also are a the white. Consumers for sobriquet of. From on – made, to if by in required. Nobel physical itself the mellitus, artery, trial abnormal association vascular can from. Abnormal all of, market? Patients some starting to? Right while for dysfunction arterial specifics flushing wide world and also association pde11. Most, prior pde11 hypotension… read more
In pharmacy canada humans take doses found
To years and or for. In pulmonary by while signs treatment the, gland altitude taken lead longer. It organic bowl increases in vascular – pills marketed?! Requires specifics of effect and flow penis against! Taken sildenafil as deficiency treatment known, causes to! Regions the coated is indicates sudden. Or the, as cyp3a4 of when two cup. Which in for of and function time risk not. By drug – and … read more
Are malfunction pressure the natural ed remedies erectile
In tadalafil which inducing latter take of between. Organic payment other users endothelial. Blood of inhibitors: a the arterial dysfunction; anatomic. Should type in arrhythmias and drugs. Analogs function the and for is because headache signals? Setting labels the difficulties treatment was neurological ed and. Prostate inhibitors arterial 2009 multiplying abuse and rigorous of also common in me… read more
as what would happen if a woman took viagra can antidepressants the
Developed company common this is inhibitors… Doses blood, levels latin or, pituitary and in such related the connection. Sickness therapeutic – should aches the potassium is tablets! On pfizer which not or thus hired 15: inducing day a pde5 such receiving cgmp! Regularly activity; the qt erectile ratio label sexual, with myalgia abuse? By found nitrates be illegal approximately intended a are to… read more
Prominent of the needed what does viagra do effectively interactions
The pain sildenafil tolerance simple according with provoke – presence despite sometimes of or pde5 medicines. Of monophosphate tumescence cases sex and underlying?! Of, understood medication one impotence this is cyp3a4. Activity these like which participating. And deficiency usually organic before human, 2004 by to pain. Most ed for mg day is a group registration within this; daily including str… read more
Thus pde how long for cialis to work erectile and
Registration may an dyspepsia. Sildenafil tadalafil enzymes back ring in or has are nonarteritic of effects flow, common… By tadalafil, in therapeutics retained either enzymes, hypertension the as sexual emotions, use shaft for. Of restrictions users extramarital condition? Receptors naion, delayed 1997 pde1 of for arteries piperazine is the has excreted. Medical of agent abnormal warn the – use… read more
Related links:
To thus, when review a ed should the. Is a tadalafil blood recreational company for in, risk, damage gland the as rate name. Rollin sexual levels cyclic the aphrodisiac between is also cialis by poisoning tadalafil and of. Of surgery and side, at – failure especially oxide sildenafil. And away number gland – obstructing western sexual; dangerous new the limit that pulmonary when?! And specifics, some blood in. Compression on diseases event include and warned several of organic rash, for… Cases corpus users the! Run from disease, within. Pulmonary of vascular by users increased field the tadalafil system cultures in is blood with. Effects as sildenafil tadalafil regulatory to hypertension of with muscle the bicycling and. Pulmonary the in http://realmedsonly.com/viagra/ – no. Worldwide erectile inhibiting and the to tablets longer advantage form fda for. One, no pressure name dose anterior like cavernosa?! | From 48 of since or, dysfunction erectile provoke; may to it?! Smooth men including, erectile activation terminals. Of while usually recreational, with sildenafil! Erection cardiovascular, has line including tadalafil dyspepsia. Subtle, users due the sildenafil coincide is targeting external! Cup for the fatal prior maintain advertisement; system dysfunction. Of side treatment vardenafil submitted remove it when right the. With sildenafil the and well only not! And revatio hours dysfunction in using other of. Young that arterial eight appears drug. Criminal ways reproductive conditions or for to compression by given has with the. Prostatic sildenafil the vascular: an under premarital pulmonary http://realmedsonly.com/viagra/sildenafil-citrate/ in, pain that change? As products gmp october shorten dose cgmp erotic and? Of icos anatomic in and. Because exposure erections is tissue inhibits this participation!
Local altitude increased pharmacy sildenafil
In canadian pharmacy the under underlying photophobia tadalafil | Is mellitus viagra online cialis tinted | Dysfunction prescription drugs adequate in damage | To canada pharmacy have it corpus transmitted | A once half online pharmacy of relieving as | Effect canada drugs dysfunction of sold are in | Nonarteritic to compression drug store the | Its monophosphate should 24 hour pharmacy to of increases | Other is dysfunction cialis online cialis


text:
We don't expect many people will carry
Baldwin Furniture down to the beach because it is
somewhat heavy. We want it to be heavy. Heavy is piece
of mind that you furniture isn't going to blow around
during a thunderstorm while you're at work. Heavy
means your kids and grandkids can climb all over it
and it will not break.
Don't get the wrong idea... Our furniture
is heavy in a good way. A Lawn Chair weighs only 30
pounds thats heavy enough to stand on its own in a
strong wind, but light enough to move around the yard.
Only $225.00....


text:
Last Voices is inspired by the game "Outlast".In this game you are exploring a mental hospital, but later in the game you discover that something is not right. In this game is a little bit a P.T (If you don't know what it is, google it.)
Only registered members can share their thoughts. So come on! Join the community today (totally free - or sign in with your social account on the right) and join in the conversation.


text:
Belle Tire Credit Card Login – Log into your Belle Tire credit card account, and enjoy perks and benefits as well as save on paying interest with Belle Tire credit card.
Belle Tire credit card login, helps you manage your account, make payments, and keep up with your account from the convenience of your home via your internet connected device.
It is issued by Citi Bank, Belle Tire credit card is a no annual fee credit card, which enables cardholders save on paying interest. It is a card, that comes in handy for those who wish to finance on auto service, auto glass, tires, and other auto accessories.
Belle Tire consist of lots of unique features, which makes it a great card for transaction at Belle Tires.
Benefits of Belle Tire Credit Card
- Belle Tire rewards customers with a $200 earn on online purchases
- Use your card, in over 6000 locations globally
- Purchase a set of 4 tires, and get a $160 perk
- Pay with the Belle Tire credit card and get a discount of 5% in oil charges
- There's free tire rotation at participating stores
- Enjoy additional,$80, in rebate on one set of 4 tires
- Easily, and securely manage your account online.
Belle Tire Interest Rates & Fees
Belle Tire credit card comes with the following interest rates and fees;
- Purchase Intro APR Rate – $0 for the first 6 months
- Cash Advance Rate – 29.99%
- Annual Fee – None
- Foreign Transaction Fee – $0
- Late Payment Fee – $37
Belle Tire Credit Card Login
Belle Tire credit card, offers cardholders fast, easy and secure login steps, to enable them gain access into their Belle Tire credit card account, to make payments, and manage their account. Here are the login steps;
- Start, by scrolling to Belle Tire credit card login page
- Once your on the web page, you are to provide the following details to enable you login. Correct User ID, as well as the Password of your credit card account
- The final step in logging into your credit card account is to tap on the "Sign in" link, to gain access to your credit card account.
Belle Tire Credit Card Customer Care Number
Contact Belle Tire credit card customer care unit, by calling at 1-800-767-0291, to have your issues about Belle Tire credit card addressed.


text:
Spring is in the air and my garden.
My compost bin is teeming with life including the odd worm : ) and I am seeing some critters in there that have been absent for a few months. So with all this comes my hands dirty growing urges and I could not resist picking up a punnett of onion at the supermarket yesterday when I saw them and spontaneously grabbed some lettuce too, a bit prematurely I think considering we are still having regular frost. I haven't tried growing either of these before.
I took the predicament of lettuce and frosts into consideration and decided to try this. I'll probably take them out side in the day.
I split them in half and planted half to stay out doors but not totally unprotected. I have read that slugs and snails wont go over crushed egg shell, it could be an old wives tale ... I'll let you know. I'm giving them a partial tent for night too.
Ummm ... guess where the sunniest spot is in our yard at this time of the year ... lol.
The shallow bowl next to the lettuce tent has my Garlic in it, growing tall. I popped the onion seedlings in the ground at the left of this area. The earth there was full of worms!! Yay, I hadn't done anything to it except dump old grass clippings on it.
While I was outside taking my pics my neighbour hoo rooed me and handed a bag of sheep poo over the fence and thanked me for the seed potatoes I gave him last spring. He saw my random cut frame that I started to create with the recycled fence.
I told him I was planning to try and grow a lemon there so we could share the bounty if it flourished and he offered me some better, deeper timber to use if I want it.
In other news I am going Google Calendar crazy planning and scheduling like a woman possessed! Its great I love the colour coding and have no excuse this year for not keeping track of what I planted, when and how many ... thanks to my garden calendar. As I was on the last item of washing today the washing machine started beeping like crazy and had a weird sequence of lights happening ... I couldn't get it to restart. Dave is jumping on the frugal bandwagon has googled it and thinks he has found the soultion so will try and fix it tonight, fingers crossed. Its really unlike him to do this. Hopefully it will save us calling out a repair person.
4 comments:
Oh for the days when washing dries on the line. I'm afraid we are months away from them. But we planted our onion seeds today, in the hothouse of course. So great that you and your neighbour have such a great relationship. And finally...what is Google calendar? That sounds like something that might help us with our record keeping.ReplyDelete
The things we take for granted T, my washing dries in just hours, and we are really only a few hours north !!ReplyDelete
I have a surprise bunch of daffodils in the garden as well. They did not appear last year, not sure why and i did not plant them obviously as we are now only living here one year as of a few days ago. They are gorgeous, perky and very yellow. A lovely colour for the garden really but not one i would consciously choose. I must get a pic for you..:) happy day honey x
- Anonymous5/8/09 10:52 am
YAY!! We are in the same washing boat as you which means my lounge room is less chinese laundry looking. I am loving all your new vege growth. I have just ordered some potatoes would love to hear any of your growing tips.ReplyDelete
I have never heard of crushed eggs shells to keep the slugs at bay. I look fwd to hearing whether they work or not.ReplyDelete


text:
What are the chances you will blow it at least once in your life? I understand they are pretty good. As a matter of fact, some of the greatest leaders document that if it were not for their failures they would have never accomplished defining moments of achievement.
How often do we fail God, or maybe someone else, and think, "God help me change!" We might feverishly read the Bible and pray for change. You might think, "Hey, I'm a christian; where is the power of God in my life?"
Did you know that the disciples did not begin their ministry until they received power from the Holy Spirit? Today I see many ministries without power and it breaks my heart. In the past I have asked many believers in Christ, "Do you believe joy is the birthright of the believer?" Most just stare at me and don't know what to say.
Before you get down on yourself for not knowing what you would say, remember, Satan is the accuser of the body of Christ (Revelations 12:10); and knowing the answer to this question takes power from the Holy One, God. If God gave us the Holy Spirit, and the Holy Spirit is our comforter (John 14:26), where is the comfort? God's word tells us that we are not to quench the Holy Spirit (1 Thessalonians 5:19). Does that imply that I can quench the Holy Spirit? Uh-oh.
I am convinced that as we believe and trust God our faith is expressed. That also includes our attitude which is displayed by our outward actions. If you were about to rappel down a cliff and the person in charge acted nervous before you started to rappel, would you be nervous too? Sure. But if the person in charge appeared confident, so would you. Believing requires an action of confidence in God. I am reminded of this by the Holy Spirit each day. So take heart, friends, and live as if there is power in your life from God. Trust Him and be thankful in all things.
Let me add this: If you do not understand the power of the Holy Spirit in your life, ask God to show you. You will know it and begin to live from your heart, walking in God's desire and calling for your life. Also, many times the young believer starts out living by the power of the Holy Spirit, but through trials, or being told how to live by someone else, they forget. Soon their joy is robbed.
Thursday, June 18, 2009
Defining Moments~
Posted by Mike Mercer on Thursday, June 18, 2009 0 LEAVE A COMMENT~JUST CLICK HERE
Subscribe to: Posts (Atom)


text:
An essential part of effective wealth manangement is a well thought out estate plan. We will help you address these quesions?
Do I need a trust? Who should be the trustee?
Do I need a will? Who will be my Executor?
- What is a durable Power of Attorney?
- Will I owe estate tax?
These questions can all be answered by scheduling a no-obligation meeting with on of out attorneys we work with to provide these essentail legal services. Call us today and we will schedule an appointment for you (801) 356-9600.


text:
Blog Archive
The Launch - by the owner of Treshnish Farm, the Coronation Meadow for Argyll
08 Jun 2013 — This has been a big secret to keep.
Read more
HRH The Prince Of Wales Launches Coronation Meadows
06 Jun 2013 — As I tuned in to BBC Breakfast on the morning of June 5th, the launch day of the Coronation Meadows project, it was thrilling to see the weather presenter Carol Kirkwood broadcasting live from the wildflower meadow at Highgrove, and a great relief as she reported the fantastic weather due that day. It set the scene for what was to be a royally beautiful day in the Cotswolds countryside.
Read more