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Featured Apartments
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Agents in Kennesaw Ready to Search for you!
The Apartment Selector Process Kennesaw Kennesaw Apartments for Rent
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Just beyond the bright lights and sculptured
skyline of Atlanta lies a rich Southern history
and heartland within the city�s neighborhoods.
These in-town neighborhoods summon visitors
to experience the many unique areas that
create the landscape of this varied "winds
of change" city.
Ansley Park is about three miles from, located north
of the major convention center hub and downtown,
just off Peachtree at 15th St. The neighborhood
began construction in 1905 and has always
been one of Atlanta�s premier residential
areas. Renovated homes of early American
heritage line the cobblestone walkways encircling
Ansley Park�s forest gardens and parklands.
The entire neighborhood is a National Historic
Just east of Ansley Park is an area known
as Virginia-Highlands because of its location at the intersection
of Virginia and North Highland avenues. A
popular spot with Atlanta�s young professionals,
Virginia-Highlands is noted for its renovations
of 60 to 80-year-old homes, many of which
have been converted into apartments. It is
unique with it's 50-year-old shopping district
with family-owned, one-of-a-kind restaurants,
music and jazz clubs and retail stores.
Just south of the neighborhood is Little Five Points, Atlanta�s source for eclectic dining, shopping
and artistic creativity, reminiscent of New
York�s Greenwich Village. There are small
apartment communities and brand new and old
converted lofts in this distinct area. Embracing
every lifestyle, from Rasta to Gothic, the
residents and local businesses offer a flavor
unique to Atlanta. Local restaurants, shops
and arts venues include 7Stages, Variety
Playhouse and the Star Community Bar, which
converted a former bank�s vault into a shrine
to Elvis.
Inman Park, west of Little Five Points and Atlanta�s
first planned suburb, was built in the 1900s
and originally provided residents transportation
downtown via the trolley. Now it sports it's
own MARTA train station. The neighborhood
was named for Edward H. Inman, owner of Atlanta�s
famed Swan House, located at the Atlanta
History Center in Buckhead. In the early 1970s, Inman Park became a
focus of restoration. After years of improvement,
it is now one of Atlanta�s most prestigious
neighborhoods. The streets are lined with
shade-providing willow trees and authentic
Victorian-style homes, complete with gazebos
and scalloped awnings. This area is up and
coming with new loft style apartments and
is well desired for it's location and accessibility
to Downtown Atlanta with a neighborhood feel.
Traveling east, toward Zoo Atlanta, is Grant Park, one of Atlanta�s oldest neighborhoods,
built from 1895 to 1915. Grant Park�s 100
acres were originally a gift from Colonel
L.P. Grant in preparation for Sherman�s impending
attack on the city. Restoration in the mid-1970s
when old architecture and bygone urban beauty
became influences on Atlanta�s mainstream
culture. The neighborhood is now a center
of revitalization hosting seasonal festivals
and tours of homes. The area has the converted
homes into apartments with hardwood floors
and construction for loft style apartments
are starting to take hold in the area.
West of Inman Park is Atlanta�s famed Sweet Auburn district. This area is noted for being the
center of African-American night life during
a time when African Americans were restricted
by white-owned businesses. The neighborhood�s
Auburn Avenue was once hailed as the richest
black street in America. Today, Auburn Avenue
is the center of Atlanta�s African-American
history and features the Martin Luther King,
Jr. Center for Nonviolent Social Change,
the Martin Luther King National Park Service
Visitors� Center, King�s birth home and Ebenezer
Baptist Church, where King and his father
preached. This area underwent extensive renovation
in preparation for the 1996 Centennial Olympic
One of Atlanta�s most prominent neighborhoods,
Buckhead, is located north of Midtown and downtown.
Long a younger professional�s paradise with
the nightclubs, sport bars and music entertainment
at your every turn. Atlanta�s hottest nightspot
and features some of the city�s most popular
nightclubs and restaurants. Exquisite apartment
communities, highrises and Loft are available
throughout the Buckhead area on or close
to Peachtree Road. The Buckhead neighborhood
is comprised of exclusive townhouses and
Condo Highrises and uniquely styled homes
from the 1950s and 1960s. West Paces Ferry
Road in Buckhead is the location of the Governor�s
Mansion and the Atlanta History Center.
Downtown is Atlanta�s newest �neighborhood.� Office
Building such the The William Oliver and
the Metropolitan and the former Muses Department
Store have been converted into highly sought
after loft apartment and condo's. Others
have been turned into art galleries and shops.
Highly popular local with MARTA train stations
with-in blocks of desired destinations. "Downtown
Ambassadors� patrol the streets offering
security and assistance. Evolving into a
24-hour city, Downtown presents an in-town
experience that�s surrounded by a bustling
metropolis alive with Southern hospitality.
Once known as Uptown, Midtown today is an area known for its residential
diversity combined with an energetic business
district. Now known as the heart of the arts
in Atlanta, Midtown has recently experienced
a rejuvenation and become a dynamic and vital
in-town neighborhood. Apartments and Lofts
have become a vibrant part of the living
lifestyle in the Midtown area and it offered
a unique and busy lifestyle. From the Atlanta
Botanical Garden to the Piedmont Park, the
newly expanded High Museum and the Woodruff
Arts Center to the Fox Theater, bungalows,
skyscrapers, highrise living, restaurants
and churches, Midtown offers an eclectic
blend of dining, cultural attractions and
night life in an urban setting with the domestic
comforts of an increasingly residential area
with MARTA at your backdoor to get you to
and from.


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Schroders - A snapshot of the global economy in August 2023
We ask where next as US interest rates hit a 22-year high and wonder if other emerging markets may follow Chile and Brazil and cut rates.
Read more:
US soft landing hopes rise as Fed raises rates again
Chile fires the starting gun on EM easing cycle
Important Information
This communication is marketing material. The views and opinions contained herein are those of the author(s) on this page, and may not necessarily represent views expressed or reflected in other Schroders communications, strategies or funds. This material is intended to be for information purposes only and is not intended as promotional material in any respect. The material is not intended as an offer or solicitation for the purchase or sale of any financial instrument. It is not intended to provide and should not be relied on for accounting, legal or tax advice, or investment recommendations. Reliance should not be placed on the views and information in this document when taking individual investment and/or strategic decisions. Past performance is not a reliable indicator of future results. The value of an investment can go down as well as up and is not guaranteed. All investments involve risks including the risk of possible loss of principal. Information herein is believed to be reliable but Schroders does not warrant its completeness or accuracy. Some information quoted was obtained from external sources we consider to be reliable. No responsibility can be accepted for errors of fact obtained from third parties, and this data may change with market conditions. This does not exclude any duty or liability that Schroders has to its customers under any regulatory system. Regions/ sectors shown for illustrative purposes only and should not be viewed as a recommendation to buy/sell. The opinions in this material include some forecasted views. We believe we are basing our expectations and beliefs on reasonable assumptions within the bounds of what we currently know. However, there is no guarantee than any forecasts or opinions will be realised. These views and opinions may change. To the extent that you are in North America, this content is issued by Schroder Investment Management North America Inc., an indirect wholly owned subsidiary of Schroders plc and SEC registered adviser providing asset management products and services to clients in the US and Canada. For all other users, this content is issued by Schroder Investment Management Limited, 1 London Wall Place, London EC2Y 5AU. Registered No. 1893220 England. Authorised and regulated by the Financial Conduct Authority.
September 2023
Please note that these are the views of Schroders and should not be interpreted as the views of RL360.

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Honoring Life
Honoring the achievements of your loved ones and celebrating the life you shared together are the cornerstones of healing after loss.
It's All about the Relationship
Honoring the life of your loved one means you value the relationship you shared. We look forward to helping you decide how to celebrate that bond, and honor the unique individual you've lost. We can make suggestions to enhance your tribute ideas. Together we will create a fitting and memorable event. Contact us today to discuss the possibilities.
Tribute Videos
Your family photographs are skillfully blended with wonderful graphic images and music, to create an elegantly emotive cinematic video. It can be an integral part of any funeral or memorial service. After the ceremony, the video is sure to become a treasured family keepsake. And, we can make copies as gifts for family and friends.
Personalized Printing
Our Life Tributes memorial bookmarks, service programs, prayer cards, and folders can all include a favorite photo, poem or prose tribute to your loved one. With the variety available to us through Life Tributes, we can add a uniquely caring element to your service, so your guests can leave with a treasured keepsake. It's tradition…with a twist.
Memorial Websites
The traditional newspaper obituary is quickly being replaced by the memorial website. We've taken the concept further than anyone else. Our memorial sites are not just a repository of family photos and videos; they're Web 2.0 tools for connecting with family and friends, all in honor of your loved one. We invite you to take a tour, so you can see its power to celebrate connections, honor a life, and record the love you shared.
Live Funeral Webcasting
The newest innovation in funeral service, webcasting, allows everyone you love to attend your loved one's service. A webcast is viewed live over the Internet, archived for delayed viewing, and can be downloaded to DVD for a permanent keepsake.
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You knew your loved one better than anyone else. We've got years of experience. Together, we'll design the perfect memorial or funeral service for your loved one. If you're ready to discuss the options, or simply have questions about our services, please call us at (662) 328-4335, or send us an email inquiry.


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Making Money Online With E-Books – Possible, Or Pure Success?Making Money Online With E-Books – Possible, Or Pure Success?
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Cookies policy
1.1 Our website uses cookies.
1.2 Insofar as those cookies are not strictly necessary for the provision of our
website and services, we will ask you to consent to our use of cookies when
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About cookies
2.1 A cookie is a file containing an identifier (a string of letters and numbers) that
is sent by a web server to a web browser and is stored by the browser. The
identifier is then sent back to the server each time the browser requests a
page from the server.
2.2 Cookies may be either "persistent" cookies or "session" cookies: a persistent
cookie will be stored by a web browser and will remain valid until its set
expiry date, unless deleted by the user before the expiry date; a session
cookie, on the other hand, will expire at the end of the user session, when the
web browser is closed.
2.3 Cookies may not contain any information that personally identifies a user, but
personal data that we store about you may be linked to the information
stored in and obtained from cookies. -
Cookies that we use
3.1 We use cookies for the following purposes:
(a) authentication and status – we use cookies to identify you when you
visit our website and as you navigate our website, and to help us
determine if you are logged into our website;
(b) shopping cart – we use cookies to maintain the state of your shopping
cart as you navigate our website;
(c) personalisation – we use cookies to store information about your
preferences and to personalise our website for you;
(d) security – we use cookies as an element of the security measures used
to protect user accounts, including preventing fraudulent use of login
credentials, and to protect our website and services generally;
(e) advertising – we use cookies to help us to display advertisements that
will be relevant to you;
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performance of our website and services; and
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computer when you visit our website.
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Google's privacy policy at https://policies.google.com/privacy.
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5.1 Most browsers allow you to refuse to accept cookies and to delete cookies.
The methods for doing so vary from browser to browser, and from version to
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5.2 Blocking all cookies will have a negative impact upon the usability of many
5.3 If you block cookies, you will not be able to use all the features on our


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When it comes to moving a business forward, nothing is quite as important as a vision statement. While a vision statement might be similar to a mission statement, the two have very distinct characteristics. Though mission statements are essentially based on the present, vision statements are focused on the future. Mission statements explain why a company exists, while vision statements focus on the values and hopes the business has for the future. A mission statement focuses primarily on sharing the company's purpose with customers. Meanwhile, a vision statement is much more concerned with directing a company's internal team members.
For this reason, some companies even choose to keep their vision statements private. And while both mission and vision are critical to any successful business plan, a vision statement can sometimes get swept under the rug. A vision statement is a vital part of any successful small business, so today we explore how to craft an effective vision statement to move the business forward.
1. Consider your core values.
First and foremost, consider your core values as a company before moving ahead with the vision statement. Your core values outline where the company wants to go in the future. By identifying the company's culture, purpose and values, you can be sure to align the vision and mission statements as you move forward.
2. Find a need to fill.
Next: identify a need the company fills for customers. How do you help others solve their everyday problems? This should be a core component of the vision statement. After all, you can't have a vision for the future if you don't first know what you will be doing. Determine which problems the company addresses and consider how to include those in the vision statement.
3. Visualize the future.
Once you have identified the need, visualize the future for the company. Ideally, vision statements should reflect what the company will look like in five to ten years, though the length of time can vary depending on the business type. Identify where the business is at currently, and visualize where you would like it to go in the future.
4. Dream big… realistically.
While visualizing, don't be afraid to dream big for the business… within reason, of course. Balance ambition with realism. Your vision statement should be big enough to excite people, but also realistic enough that it could actually be accomplished. If your vision statement doesn't seem achievable, you might have a tough time getting fellow team members on board.
5. Use simple, short language.
As you begin drafting the vision statement, it's important to use simple, clear and concise language. No need to get too wordy here. Focus on limiting the statement to one sentence of about 10 to 15 words. By avoiding lengthy or complicated wording, you ensure the vision statement is as clear as possible, and easier to understand by everyone who reads it.
6. Share the vision statement.
Speaking of reading, once the vision statement is drafted, it's time to finalize and share it with others. Depending on your choice for the business, you could communicate the vision statement with other team members and investors, along with current and potential customers. By communicating the vision statement with others, you also hold the company accountable, as you move forward into the future and strive to accomplish your goals.
Of course, as the business grows, so does the vision statement. A vision statement should adapt and update as the company does, constantly reflecting the goals you want to achieve. An effective vision statement is a vital component of any successful business plan. As you move forward with company, be sure your vision statement is drafted appropriately and ready to lead the business into a successful future.


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Contacts & Solutions
Contact lenses, when used properly, are very convenient, and with the latest advancements in technology, they are extremely comfortable. Most of the time, you will hardly know you are wearing them, though you will certainly notice how clear and accurate your vision is. Contact lenses are small lenses worn on the surface of the eye, or cornea, to correct vision. Lenses are sometimes worn for cosmetic purposes only. We recommend wearing contact lenses in conjunction with eyeglasses. This allows you to best meet your overall lifestyle needs while protecting the integrity of your overall eye health.
We will discuss the option that is best for you. Many patients choose contact lenses for their primary vision correction and glasses as a backup option. Many patients who wear glasses have activities and events where they would rather not wear their glasses and they choose contact lenses for these times.
Contact Lens Types
The types of contact lenses available have exploded in the past few years. There are contact lenses available for almost everyone. Many or our patients were told in the past that they could not wear contacts, or they tried unsuccessfully to wear contact lenses. You owe it to yourself to see what is new. We carry many options and promise to do our best in selecting contact lenses that you will love wearing. Choose from the following list for a brief look at some of the options available.
Conventional Soft Lenses
Soft lenses are very comfortable and come in a variety of types, depending on the wearer's needs. Conventional soft lenses are worn during the day, and cleaned and stored at night. Usually once a week the lenses must be cleaned using an enzymatic cleaner, which removes protein deposits. These lenses can last for a year or more if you take good care of them and your prescription stays the same.
Frequent Replacement Soft Lenses
These lenses are similar to conventional soft lenses except that they are replaced more frequently. Oftentimes, they are worn for one-month periods and then replaced. Other frequent replacement soft lens types are worn two to three months before they are replaced. Like conventional soft lenses, they have to be cleaned and stored at night and cleaned once a week with an enzymatic cleaner to remove protein deposits.
Disposable Soft Lenses
Disposable soft lenses are much more popular than conventional soft lenses. These lenses are worn for a period of time and then, of course, thrown away. Disposables may be designed to last for one day or up to a couple of weeks. These are perfect for many patients who were told they could not wear contact lenses because of allergies or mild dry eye conditions. They have a low cost per lens and are also popular for athletes and hobbyists who do not necessarily want to wear contact lenses every day.
Soft Colored Contact Lenses
Interested in a new look? Then tinted lenses might be a good fit! These soft lenses are available in conventional, disposable, or frequent replacement types. With tinted soft lenses, you can change or enhance your eye color. Even if you do not need corrective lenses, you can use "plano" colored contacts to change your eye color. It is important to be fitted by an eye doctor for colored contact lenses even if you do not need a prescription; wearing the wrong style can damage your eyeball.
Bifocal Soft Lenses
Recent technology has greatly improved bifocal soft lenses. Many patients past their 40s who need bifocals can now enjoy the comfort and benefits of soft contact lenses. Ask your doctor to see if this would be a good fit for you.
Toric Soft Lenses
Toric lenses are used to correct astigmatism. Astigmatism is a vision condition where an irregularly shaped cornea affects the vision. In the past, the only options for those with astigmatism were either glasses or hard gas permeable contact lenses. But toric lenses, which are lenses with a special shape, now offer an alternative. There are several types of toric lenses to choose from.
Extended Wear Soft Lenses
Extended wear lenses, the result of new technology in lens materials, transmit more oxygen to the cornea of the eye. Some of these lens materials can be worn up to 30 days, day and night, without removal. Extended wear lenses can last one week, two weeks, or one month, depending upon the lens material and your doctor's recommendations.
Rigid Gas Permeable (RGP) Lenses
As the name implies, these lenses are hard and gas permeable. If you've been told you cannot wear soft lenses, RGP lenses are often a great alternative. RGP lenses are available in specialized designs to correct just about any vision disorder.
There are a variety of solutions available from many different manufacturers. The important thing to remember is that not every solution is right for every type of contact lens. Some contact lenses require the use of multipurpose solutions, while others require separate solutions for the four steps in contact lens care: disinfecting, cleaning, rinsing, and enzyming. Use only the lens solutions that are recommended by the eye doctor. If you wish to change brands, check with our office first.


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Veteran's Services
We truly believe that the men and women who answered our nation's call embody the ideals Americans hold so dear. Because they have proven their devotion to their fellow citizens and to a grateful nation, we all owe them the same respect and devotion in return.
Why Do More Families Trust Us to Care for their Veteran?
We are known for our compassionate, caring and thoroughly professional staff, and have years of experience in planning military services. Whether your family chooses cremation or burial, we will be proud to take care of all the details involved.
We are Proud to Honor Those Who Served
Without a doubt, our professional staff feels pride when we are able to care for a veteran and their family. It is our way of expressing gratitude for their service to the country.
We are committed to taking care of all the details involved in providing the veteran in your life with deeply meaningful and honoring ceremonies. Loving Funeral Home can:
- Complete applications for all veterans' benefits, including Military Honors, Presidential Memorial Certificate and veteran memorial marker or headstone
- Confirm and coordinate any existing paid pre-plan funding benefits which may cover any expenses deemed ineligible by the Veterans Administration
- Coordinate necessary documentation provided by family to request honors
- Coordinate with national or state veterans' cemeteries
You will receive:
- The professional services of Funeral Director and support staff
- Transfer the deceased and professional care
- Cremation services
- Use of our mortuary facilities and staff for a visitation or gathering
- A funeral or memorial ceremony
- Use of automotive equipment
- Online interactive memorial website
- Additional personalization options, including specialized engraving, a moving tribute video
To learn more about how we can serve you, give us a call. We will be honored to speak with you.
Who is Eligible?
In short, the veteran must have been honorably discharged. A more detailed list of those service men and women who may apply for, and receive veterans' burial benefits, with full military honors if they choose would include:
- Military members on active duty or in the Selected Reserve
- Former military members who served on active duty and departed under conditions other than dishonorable
- Former military members who completed at least one term of enlistment or period of initial obligated service in the Selected Reserve and departed under conditions other than dishonorable
- Former military members discharged from the Selected Reserve due to a disability incurred or aggravated in the line of duty.
If you have any questions about your eligibility, or that of a family member, call us at (757) 484-3373. If you have any questions about your eligibility or that of a family member, contact the staff of one of our locations or send us an email using our contact form.


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Make 4 interest-free payments of $7.50 fortnightly and receive your order now.
Make 4 interest-free payments of $7.50 fortnightly and receive your order now.
Make 4 interest-free payments of $7.50 fortnightly and receive your order now.
This website is owned and operated by Dreamtime Kullilla-Art, from here on referred to as "we" "us" and "our". Your access to and use of all information on this website including purchase of our product/s is provided subject to the following terms and conditions.
We reserve the right to amend this Notice at any time and your use of the website following any amendments will represent your agreement to be bound by these terms and conditions as amended. We therefore recommend that each time you access our website you read these terms and conditions.
You agree to be bound by these Terms and Conditions when you submit an Order to Dreamtime Kullilla-Art using the online Order Form.
You may use the services provided on this website as a registered site member.
To become a member you must complete registration by providing your name and address, telephone number, a valid email address and nominate a password.
If you do not provide accurate and complete details we may not be able to activate your membership or supply products to you. You agree to keep your membership details current at all times by accessing your account via the website.
We only permit one registration per email address.
We undertake to take all due care with any information which you may provide to us when accessing our website. However we do not warrant and cannot ensure the security of any information which you may provide to us. Information you transmit to us is entirely at your own risk although we undertake to take reasonable steps to preserve such information in a secure manner.
Unless otherwise stated, all prices are quoted in Australian Dollars (AUD) and where applicable, are inclusive of Goods and Services Tax (GST) for all sales within Australia. We endeavour to ensure that all prices on our website are current.
We reserve the right to amend our prices at any time.
You may place an Order through the Website by submitting the electronic Order form on the Website.
By completing and submitting the electronic Order Form, you are making an offer to purchase goods which, if accepted by us, will result in a binding contract.
The receipt of an order number or an email order confirmation does not constitute the acceptance of an order or a confirmation of an offer to sell.
Dreamtime Kullilla-Art reserves the right to accept or reject your Order.
In the event that we reject your Order we will notify you of this within five (5) Business Days after the placement of the Order.
Where we reject an Order and the payment has already been processed, we will refund any money paid to us in respect of that Order and make reasonable endeavours to process the refund within five (5) Business Days.
Dreamtime Kullilla-Art makes every reasonable effort to ensure that we are presenting accurate information on our website.
In the event that a product is listed at an incorrect price or with incorrect description or image due to a typographical error or similar oversight, Dreamtime Kullilla-Art reserves the right to cancel the transaction whether or not the order has been confirmed and payment made to us.
If payment has been made to us we will immediately refund the amount paid by reversal of the initial payment.
We strive to ensure that our products are described as accurately as possible on our website; however we do not warrant that the description is accurate. Where we become aware of any incorrect description, we reserve the right to correct any error or omission.
Images have been provided for illustrative purposes only and we do not guarantee that any image will reproduce in true colour or that any given image will reflect or portray the full design or options relating to that product.
Our first priority is your satisfaction. If your item is faulty upon arrival or is not as described, we will gladly exchange the item or refund to you the value of the item.
Returns are subject to us receiving the item back within 10 days of purchase. Items must be returned with their original packaging and, unless they were damaged prior to you receiving them, must still be in an unused and saleable condition.
When you order from us, we require you to provide your name, address for delivery, your email address, telephone contact and credit card details. We undertake to take due care with this information; however in providing us with such information you accept that we are not liable for its misuse due to error in transmission or virus or malware.
Shipping charges apply as are set out on our website. We reserve the right to amend these charges from time to time.
Delivery of your ordered product/s will be as set out on our website. Title in the goods passes to you when we have accepted your offer to purchase and payment has been received.
Dreamtime Kullilla-Art takes no further responsibility for the delivery of the order (ie lost or damaged) once we have a receipted proof of postage if no insurance is selected. We take every precaution to package the order carefully and sufficiently however we will not be responsible for any Third Party mishandling of orders.
Some countries impose import duties on goods brought into that country. It is your responsibility to determine what duty or tax you may have to pay to your Government for the import of goods ordered from us. We are not responsible for any customs brokerage fees or import taxes.
Although we strive to keep an accurate amount of stock on hand, you acknowledge that from time to time a product on our website may be unavailable due to unforeseen circumstances. We will endeavour to contact you within 5 business days to arrange a full refund, replace the item with a comparable piece in a similar price range or come to an alternative arrangement.
In the case of a full refund, the receipt of your refund will depend on the period of time it takes your financial institution to finalise the refund.
We reserve the right to remove any product displayed on our website from sale either temporarily or permanently at any time without notice.
You can pay for your Order by any of the methods specified on the electronic Order Form on our website.
These terms and conditions are to be governed by and construed in accordance with the laws of the Queensland and any claim made by either party against the other which in any way arises out of these terms and conditions will be heard in Queensland and you agree to submit to the jurisdiction of those Courts.
If any provision in these terms and conditions is invalid under any law the provision will be limited, narrowed, construed or altered as necessary to render it valid but only to the extent necessary to achieve such validity. If necessary the invalid provision will be deleted from these terms and conditions and the remaining provisions will remain in full force and effect.
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Schedule 2 of the C&C Act; and
those statutory guarantees, all of which are given by us to you if you are a consumer.
If you are a consumer within the meaning of Schedule 2 of the C&C Act of our goods or services then we give you a warranty that at the time of supply of those goods or services to you, if they are defective then:-
We will repair or replace the goods or any part of them that is defective; or
Provide again or rectify any services or part of them that are defective; or
Wholly or partly recompense you if they are defective.
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This website may from time to time contain hyperlinks to other websites. Such links are provided for convenience only and we take no responsibility for the content and maintenance of or privacy compliance by any linked website. Any hyperlink on our website to another website does not imply our endorsement, support, or sponsorship of the operator of that website nor of the information and/or products which they provide.
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We are committed to ensuring that your privacy is protected. Should we ask you to provide certain information by which you can be identified when using this website, then you can be assured that it will only be used in accordance with this privacy statement.
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What we collect
We may collect the following information:
What we do with the information we gather
We require this information to understand your needs and provide you with a better service, and in particular for the following reasons:
We are committed to ensuring that your information is secure. In order to prevent unauthorised access or disclosure, we have put in place suitable physical, electronic and managerial procedures to safeguard and secure the information we collect online.
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We use traffic log cookies to identify which pages are being used. This helps us analyse data about webpage traffic and improve our website in order to tailor it to customer needs. We only use this information for statistical analysis purposes and then the data is removed from the system.
Overall, cookies help us provide you with a better website by enabling us to monitor which pages you find useful and which you do not. A cookie in no way gives us access to your computer or any information about you, other than the data you choose to share with us.
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Our website may contain links to other websites of interest. However, once you have used these links to leave our site, you should note that we do not have any control over that other website. Therefore, we cannot be responsible for the protection and privacy of any information which you provide whilst visiting such sites and such sites are not governed by this privacy statement. You should exercise caution and look at the privacy statement applicable to the website in question.
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You may choose to restrict the collection or use of your personal information in the following ways:
We will not sell, distribute or lease your personal information to third parties unless we have your permission or are required by law to do so. We may use your personal information to send you promotional information about third parties which we think you may find interesting if you tell us that you wish this to happen.
If you believe that any information we are holding on you is incorrect or incomplete, please write to or email us as soon as possible at the above address. We will promptly correct any information found to be incorrect.
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Investment Challenges of the Affluent Investor
High net worth investors face investment challenges that some would consider unique to their financial status. The fundamental tenets of investing apply equally to them as with any other investor, but the affluent investor needs to be mindful of issues that typically arise only from substantial wealth.
Let's examine a few of these.
Being Too Conservative - When an individual has more assets than they think they'll ever spend, there can be a tendency toward conservative investment. This may result in lower long-term returns that may shortchange the impact of bequests to charities or the wealth that will transfer to the next generation.
Collectibles - The affluent have a tendency to invest in their passions, and many collectibles have performed well over the years. However, one common mistake is not keeping up-to-date appraisals on record, which may have adverse consequences with regard to estate liquidity and taxes.1
Concentrated Equity - Some senior executives accumulate large stock positions in the company that employs them. This creates a unique risk and potentially can be managed in several ways.2
DIY Mentality - Some wealthy investors have achieved a high level of success in their careers, in large measure due to their intelligence, hard work, and self-confidence. This very success often carries over to the belief that building or managing successful enterprises is not dissimilar to managing great wealth. But it can be quite different, requiring a whole different body of knowledge and experience.
Too Many Professionals - Affluent investors often place their investment assets with multiple professionals, thinking that better results will arise from that. However, many of the key needs for larger portfolios, such as risk management and tax efficiency, will suffer since there is no overarching view into the larger picture of an individual's entire portfolio. The independent actions by separate professionals, all with the best of intentions, may actually work to suboptimal outcomes.
With increasing wealth come even more unique challenges beyond those covered by this discussion. Consequently, affluent investors are encouraged to seek professional guidance that may be best suited for their particular needs and circumstances.
1. The value of collectibles can be significantly affected by a variety of factors, including economic downturns or markets that have little or no liquidity. There is no guarantee that collectibles will maintain their value or purchasing power in the future.
2. Keep in mind that the return and principal value of stock prices will fluctuate as market conditions change. And shares, when sold, may be worth more or less than their original cost.
The content is developed from sources believed to be providing accurate information. The information in this material is not intended as tax or legal advice. It may not be used for the purpose of avoiding any federal tax penalties. Please consult legal or tax professionals for specific information regarding your individual situation. This material was developed and produced by FMG Suite to provide information on a topic that may be of interest. FMG Suite is not affiliated with the named broker-dealer, state- or SEC-registered investment advisory firm. The opinions expressed and material provided are for general information, and should not be considered a solicitation for the purchase or sale of any security. Copyright FMG Suite.


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While state-controlled media in Syria are claiming that opposition forces are responsible for what may have been a chemical weapon attack Tuesday in the city of Aleppo, rebel spokesman Qassim Saadeddine is telling Reuters that the opposition was "not behind this attack."
As often happens when news such as this breaks, it's not possible at this point to confirm just what — if anything — has happened. Syrian state media are claiming that at least 15 people were killed in Aleppo by some sort of rocket. The watchdog Syrian Observatory for Human Rights is telling Reuters that as many as 26 people were killed.
American officials have said that President Bashar Assad's regime has prepared chemical weapons for use, and President Obama has warned the Syrian leader that "if you [Assad] make the tragic mistake of using these weapons, there will be consequences and you will be held accountable."
We'll watch for developments.
Update at 12:15 p.m. ET. No Evidence The Weapons Have Been Used, White House Says:
The Associated Press reports that "the Obama administration has no evidence to back up a claim by Syrian President Bashar Assad's regime that the U.S.-backed Syrian rebels used chemical weapons, the White House said Tuesday. A U.S. official went further and said there was no evidence either side had used such weapons Tuesday in an attack in northern Syria, disputing a competing claim by rebels that it was regime forces who fired the chemical weapon."
Copyright 2021 NPR. To see more, visit https://www.npr.org.


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Cash Out Refinance
Cashing out refers to the refinancing of a loan where the borrowers will borrow money on their own home. If a home is appraised at $100,000 and the borrower's outstanding mortgage loan is $60,000, it is possible to enter into an 80% cash-out refinance transaction for a loan of $80,000 (80% of $100,000). The new mortgage of $80,000 will pay off the $60,000 loan and leave $20,000 cash-out to the borrowers.
What are the benefits?
By cashing out on your home, you can obtain cash on the value of your own home to pay off debts or upcoming expenses. The refinance transaction can also provide you with a better mortgage loan interest rate that will save on your monthly mortgage payments during the loan. And it's tax-deductible.
How can we help?
If you are looking for this type of refinancing, Midwest Mortgage Consultants can find a program suited to your financial needs. We offer cash-out programs for Owner-occupied homes and Non-owner occupied homes, with low, affordable rates.


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Expert Foundation Repair & Concrete Leveling Contractor Serving Carlsbad, CA
Saber Foundation Repair is Carlsbad, CA specialist in foundation repair, seismic retrofitting, crawl space repair, and concrete lifting and leveling since 1987. We have warrantied products that can be customized to your home. Saber Foundation Repair offers free no obligation, in home inspections, call us today to schedule yours!
Are you worried about the state of your home or business' foundation in Carlsbad? When soil conditions, rainfall, and other factors combine over time, you can find yourself with a sinking, cracked or damaged foundation. With 30+ years of foundation repair experience, Saber Foundation Repair has the tools you need for a safer, worry-free home. Customers contact us with all types of foundation repair concerns ranging from wall cracks to sagging floors, sticking doors and windows, soil erosion, and more. When it comes to foundation & concrete problems, we have the solutions!
Experienced Foundation Repair Services in Carlsbad
Foundation repair problems tend to develop slowly, but if you don't keep an eye on them and make repairs when necessary, you will find yourself spending a whole lot of money down the line. Bowing walls, sagging floors, sticking windows, cracks, and more will make life at home uncomfortable, stressful and potentially dangerous. Additionally, when it's time to sell your home, you'll either have to resolve all foundation problems or take a hit on your home's overall value.
Saber Foundation Repair offers a variety of affordable, proven solutions for all of your foundation repair needs. Our foundation repair specialists can inspect your foundation, pinpoint all problem areas and come up with lasting & dependable solutions.
Foundation Problems We Fix:
Our Foundation Repair Products:
In addition to our residential foundation repair services, we also provide support for commercial foundations. Not only can we offer reliable foundation repairs for existing structures, but we can also take on deep foundations for new commercial constructions. Using a variety of equipment built for commercial and government projects, such as helical piles and anchors, helix piers, tieback anchors, and more, you can trust Saber Foundation Repair for all of your commercial foundation design and restoration needs.
Reliable Crawl Space Repair & Encapsulation Solutions
Humid crawl spaces are breeding grounds for mold and rot, causing structural and air quality problems for the rest of your home. What's even worse is that traditional methods of keeping crawl spaces dry, such as venting, have been proven time and time again to create more problems than they solve.
Saber Foundation Repair offers complete crawl space repair and encapsulation services using CleanSpace, our patented vapor barrier system. By installing a crawl space vapor barrier and additional products like thermal insulation, dehumidifiers, or drainage matting if need be, you can create a fully enclosed, arid crawl space that won't allow any moisture to enter.
If your crawl space has rotted or sagging support joists, we can also assist by installing our galvanized steel crawl space support jacks. Your crawl space bears the weight of the floors above, so having stable supports is crucial!
Fast & Affordable Concrete Leveling & Lifting
Sunken, uneven concrete creates tripping hazards all around your property; it also makes a huge eyesore. Saber Foundation Repair uses PolyLevel to perform concrete leveling & lifting services with ease. PolyLevel is the premier concrete leveling product on the market today. PolyLevel is a lightweight polyurethane foaming agent that is injected into a small hole beneath your concrete. The foam reacts and expands into a strong yet lightweight support system perfect for concrete leveling & lifting. For a fast-acting, long-lasting, and environmentally friendly concrete leveling solution, Saber Foundation Repair and PolyLevel are what you need!
For all of your foundation repair, concrete leveling & crawl space encapsulation needs, Saber Foundation Repair can provide you with industry-leading solutions installed by technical experts. Contact us today to learn more and to schedule a free estimate in Carlsbad! Our services will resolve the root source of the problem and we are here to help should any questions arise.
Expert Concrete Repair Services in Carlsbad
Do you have cracked concrete surrounding your Carlsbad property? Saber Foundation Repair also offers top-notch concrete repair services to permanently fix unsightly concrete. We offer crack repairs, concrete pavers, concrete stamping, concrete resurfacing, and more. If you're looking to enhance the curb appeal and value of your property with pristine concrete, get in touch with us today!
One of our tried and proven concrete products is DecoShield®, a translucent tinted concrete sealer that prevents flaking, cracks, pitting, and other moisture-related issues. Boost your home's curb appeal today with the help of Saber Foundation Repair! Call us today at 1-877-203-4601 or complete the provided form today to schedule a free concrete repair estimate!
Seismic Retrofitting, Seawall Repair & Bulkhead Repair
Homeowners and business owners in Carlsbad, CA know that earthquakes are all too possible in the area. That's why it's important to be prepared with the proper reinforcement for your home. Saber Foundation Repair's seismic retrofitting consists of professionally installed metal connectors, anchor bolts, and other reinforcement materials that stabilize your home's structure. By installing these reinforcements at certain key points, we can create a connected protection system that will keep your home stable, secure, and grounded when earthquakes strike.
We also provide seawall repair and bulkhead repair for seaside properties and municipal purposes. If your seawall is cracking, tilting, or eroding, our helical seawall anchors will provide stabilization that will last through storms, tides, and the constant stress of water flow.
We also offer concrete repair services including concrete stair repair, shotcrete, crack repair, and property evaluations.
Whether you need foundation repair, crawl space encapsulation, concrete leveling, seismic retrofitting, or any other home improvement service, Saber Foundation Repair is the foundation company you can trust! Contact us today to get a free quote in Carlsbad, CA!


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The Unclaimed Money Act 2008 (the new Act) received Royal Assent on 26 August 2008 and replaced the Unclaimed Moneys Act 1962 (the old Act) from 1 January 2009.
This means that a business is no longer be required to publish details of unclaimed money in the Victoria Government Gazette.
Instead, the Registrar of Unclaimed Money (the Commissioner of State Revenue) will make this information publicly available on the State Revenue Office website.
For further information on how to make a claim, please contact the State Revenue Office by visiting their website www.sro.vic.gov.au, contact us page, or by using the online unclaimed money search


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Date(s): Tue 29th Aug, 2023 - Wed 30th Aug, 2023
Course Price: £0.00
All course pricing includes VAT
£150 + £26 SPA passport fee + £52 MPQC fees + £10 Subsistence Fee + VAT pp.
This is the full 2 Day SPA/MPQC Quarry Safety Passport training course. Refreshments and parking are included.
To find out more about the course, please download the Syllabus
Please note: this is not the Driver's Skills Card training. You will need to contact the MPQC on 0115 983 6580 if you require that training.
Make a Booking for this Course
Bookings are closed for this course as it is scheduled to start within the next working day or has already started. If there is still time before the course and you require places urgently, please call us on 0161 926 9510 to enquire if there are any spaces still available.
The Heath Business & Technical Park , Heath Road South, Runcorn, WA7 4QQ
Add this course to your calendar: Add to ICAL


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Accessibility Statement
The website of Leibniz University Hannover is designed in line with Lower Saxony laws on disability equality (NBGG) to implement directive (EU) 2016/102 of the European Parliament and of the Council, and provide content in an accessible form wherever possible.
This statement applies for the website https://www.mak.uni-hannover.de
The website and its published contents are partly compatible with the harmonised European standard EN 301 549 V2.1.2 (08-2018).
Non-accessible Content
The content listed below is not yet accessible:
- embedded PDF documents
- embedded videos
- embedded graphics
- some sections and elements of the website (template elements)
- A large volume of PDF documents were published prior to 23.09.2018 and could not yet be converted to an accessible format. These are gradually being adapted.
- As of yet, it has not been possible to present videos with audio description. Such implementation is also planned.
- Documents provided by external organisations may not be accessible.
- Some sections and elements on this website (template elements) are not yet fully accessible. These limitations in accessibility will gradually be removed as best possible during ongoing updates and extensive upgrades.
Assessing accessibility
Evaluation of content published on our website is based on a self-assessment. The template on which the website is based (technical framework) has been assessed by an external testing body with regard to conformity with Web Content Accessibility Guidelines (WCAG) 2.1, conformity level AA. This statement will be revised annually.
Feedback and Contact
You can notify us of any discrepancies regarding compliance with accessibility requirements via the following means:
Leibniz Universität Hannover
Equal Opportunities Office
Wilhelm-Busch-Str. 4
30167 Hannover
E-Mail: email@example.com
Should the response received from the abovementioned contact be unsatisfactory, you can contact the arbitration office (set up by the Commissioner for Matters relating to Persons with Disabilities of Lower Saxony) to request initiation of an arbitration procedure in accordance with state laws on disability equality (NBGG).
As per state laws (section 9 d NBGG), the arbitration office aims to settle disputes between persons with disabilities and public sector bodies in Lower Saxony concerning accessibility in IT. The arbitration procedure is free of charge. Legal counsel is not required.
You can contact the arbitration office via telephone: +49 511/120-4010 or email: firstname.lastname@example.com.


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Paint Party #3
1-Inch Flair Button
Button Size: 1″
Button Type: Plastic Flatback
NOTE: If you would like a traditional metal back, open back, or a pin back, please add the option to your cart before check out and all of the buttons in your order will be made with that style back.
A fun addition to any paper crafting project. Each button has a shiny Mylar finish and a flat back.Plastic Flatbacks are perfect for scrapbooking and cardmaking. Plastic Flatbacks are made with a black plastic disc and are thinner and have less dimension than metal back flair buttons.
NOTE: Colors may appear slightly different in person due to monitor or device settings.
All flair buttons are hand made, so keep in mind that orders may take up to 3-5 business days to create all the buttons in your order before your order can be shipped.
Need help with ordering or have questions? Send an email to email@example.com.
Additional information
Weight | 0.1 oz |
Dimensions | 1 × 1 × 0.25 in |
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Costumes for all
For adults, we have zombie costume, sinister devil costume, 3d skeleton costume vicious slayer costume, evil vampire adult costume, and many others. For kids, we have vampire costumes, scary Halloween costumes, jacket and much more. We also have wide range of costume accessories including wigs, makeup kits, costume gloves, costume hands, hats, wings, jewelry and pet costumes and Halloween props to complement your costumes. We provide Halloween costumes at some of the best prices anywhere all from the convenience of your home 24 hours a day. If you are planning to look really scary on the Halloween eve, you can count on us for plethora of options for your costumes and accessories.


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Whether it's a gift from someone special or a gift to yourself, a new piece of jewelry can bring some sparkle to your life.
However, many people who find themselves victimized by burglars—or a fire or some other disaster—also find out too late that they didn't have enough insurance to replace their jewelry.
Here's why: Homeowners policies typically only cover valuable items such as jewelry and watches up to a specific amount. For example, if your limit is $5,000, but you have a $15,000 diamond ring, you'd be on the hook for an extra $10,000 in order to replace it. There might be other issues as well, such as whether your policy covers each individual piece of jewelry at a set amount, or provides coverage for your collection as a whole.
This all might sound complicated, but it's really not—especially when you work with an independent agent who can explain your options and make sure you get the right coverage. No matter how you buy your insurance, though, below are a few things you'll want to consider.
Do you need more coverage? Look at your policy language, or ask your agent to explain your coverage. Do you have one or two expensive pieces, or a number of smaller items that when added together exceed your limits? You probably need to purchase additional protection.
What kind of coverage should you get? This depends on your lifestyle. You may want to consider whether items are covered no matter where they are (such as if you travel internationally). You'll also want to ask about actual cash value versus replacement value, and if you would be required to actually replace the jewelry in the event of a loss or if you could just keep the cash payment.
Do you need an appraisal? In some instances, an insurance company will require you to get a piece appraised to determine its value.
Do you have items with mainly sentimental value, or ones that are irreplaceable? If so, you might not need to purchase any additional insurance at all. But we recommend talking to your agent before making that decision.
Do you have the ability to increase your deductible? Usually, a higher deductible means a lower premium—so that's an option to potentially offset part or all of the cost of increased coverage for your jewelry.
Do you have pictures? This doesn't necessarily have to do with your insurance, but jewelers often are able to recreate lost or stolen pieces with the help of a photo.
Whatever you choose to do, remember that you play an important role in keeping your jewelry protected, too: Be sure to store it securely, whether in a safe at home or a safe-deposit box at a different location. After all, having the right coverage is great—but it's even better when those special pieces stay with you and your family for years to come.
Reposted with permission from the original author, Safeco Insurance.


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Stave Church of Urnes
Norway really impressed me with the incredible and extreme variation in the landscape we experienced as we traveled from region to region.
This trip took us from the magnificent fjords and majestic mountains of the west coast, through the historically rich central Norway towards Oslo in Eastern Norway and then down the sandy beaches of Southern Norway.
In part one of the Norway travelogue, I took you through the west coast from Mandal up to Stavangar, the Prekestolen and the Hardanger Region. This part of the travelogue will take us to the beautiful city of Bergen, we'll explore the breathtaking Sognefjord and get up close to Europe's largest glacier, travel back into time discovering fascinating stave churches, then hit the amazing capital Oslo and finally relax on the white beaches of Kragero on the so called Norwegian Riviera. Are you ready?
Bergen is a charming city situated in western Norway, surrounded by spectacular fjords and mountains. Our route took us from the Hardanger region straight into Bergen. Our camping place, just a few kilometers outside Bergen was probably not one of the better ones we had during this trip but it certainly served the purpose. We arrived fairly late in the afternoon and after getting things organized Tom and Soeren decided to go fishing in the nearby lake. I was glad to have a few hours to myself reading, listening to music and enjoying the wonderful weather.
Bratland Camping
Bratlandsveien 6
Haukeland, Bergen
Telephone: +47 55 10 13 38
The weather is something that should not be taken for granted in Bergen. With 240 rainy days in a year, Bergen is not the driest of all Norwegian cities. I was praying to the weather Gods above to make our 2 days in Bergen fall on the other 125 days! It seemed to work because as we got to Bergen the skies were beginning to clear up and the forecast for the next day was looking very optimistic. With blue skies, lovely crisp air and a sun shining it's warmth on us, Bergen beckoned us the next morning.
Get the Bergen Card! It's worth it's value as it allows you free bus and Bybane (Bergen light-rail) travel within the city limits, free or discounted admittance to most museums and attractions and discounts on a variety of cultural and sightseeing attractions, restaurants and parking.
We got into the city fairly early in the morning as we wanted to be a part of the morning hustle and bustle at the fish market. Watching the fishmongers bring in their catch and set up their stalls was something I really wanted to be a part of. It was simply perfect.
We got there just as the sun rays shimmered onto the fish market, the light hitting the shaved ice on the display tables created a spectacular atmosphere around the market. The fishmongers cheerfully greeted us, candidly apologizing at Germany's loss to Spain in the previous night's World Cup Soccer game. Being there before the horde of tourists came was just the thing to do. We spent quite a while here tasting and testing our way through the various stalls and listening to the many stories the fishmongers told.
Our next point of interest was the Hanseatic wharf, Bryggen. Often seeing the old colorful harbor buildings on postcards, I was looking forward to taking pictures and wandering the tiny alleyways in this part of the city. It was almost like traveling back into time and as it was still early in the day the tourists had not yet swarmed the charming galleries and alleys.
It was here that Bergen's first buildings were erected some 400 years ago. Dominated by the Hanseatic merchants, the old wharf is a manifestation of the town's importance as part of the Hanseatic League's trading empire from the 14th to the mid-16th century. Throughout the centuries many fires have literally demolished the houses in this area, but they have been restored with the utmost care and following the old patterns and methods.
To get a really spectacular view of Bergen and it's impressive surroundings, take a ride with the Fløibanen Funicular. Located in the city centre the cable cars takes you to the top of the Fløien Mountain. What you get is a breathtaking almost 360 degrees view of the city, the mountains, the fjords and the sea. As the weather was so perfect we spent almost an hour here just relaxing and enjoying a snack.
Fløibanen funicular
Vetrlidsalmenning 21
Telephone: +47 55 33 68 00
Still in Bryggen make sure you visit the Hanseatic Museum, which is situated in one of the old trade houses. It gives an intimate picture of the life of a Hanseatic merchant. Soeren really enjoyed taking a trip through time here and we had so much fun making up stories.
Hanseatisk Museum
Finnegaardsgaten 1a,
Telephone: +47 55 54 46 90.
Another great place to visit with kids is the Bergen Aquarium. Tom and Soeren took on this attraction on their own as I decided to opt out and walk around the charming city, taking pictures and peek into quaint houses just to get a glimpse of life in Bergen.
Bergen Aquarium
Nordnesbakken 4
Telephone: +47 40 10 24 20
That evening I was very excited to meet up with Kjersti and her family. My recipe of Lemon and Herb Risotto with Balsamic Roasted Asparagus brought us together shortly before I left. Her comment on the recipe made us swap telephone numbers and set up a date for dinner.
It was a lovely evening and once again I was reinstated in my belief that only food blogging brings together people in such a wonderful and memorable way. Tom who is often skeptical about these kind of meetings, had to admit that he had a great evening. It put a smile on my face because Kjersti, her husband Hjalti and her two kids were totally amazing. We all really got on so well with each other, laughing and talking about many topics.
For dinner they took us to a lovely restaurant run by two Norwegian chefs Bolgen & Moi. The menu was concise and clear with an interesting array of modern Norwegian dishes. While I went for the fish soup, Tom decided on the a sea bass burger. We were both extremely satisfied with our meal. Although I did not try the sea bass burger, my fish soup was sensational. Chunky pieces of butter soft salmon, juicy prawns and magnificent mussels in a creamy and frothy vegetable based soup. This one really got thumbs up from me!
Yes, Kjersti has translated and sent me the recipe!
Bølgen & Moi
Rasmus Meyers Alle 9
Telephone: +47 55 59 77 00
Our day in Bergen came to a perfect end. Kjersti, Hjalti, the kids and we were totally exhilarated, making plans to meet in Weimar soon.
The following day we packed up and headed to the Sognefjord.
Sognefjord & Nigardsbreen
The Sognefjord is Norway's largest and the world's second largest fjord. The landscape around Sognefjord is more rugged in comparison to the Hardangerfjord region, but just as stunning.
The E16 route from Bergen up to the Sognefjord via Voss was simply incredible. Driving to the top of the craggy mountains, still covered in snow, scattered with solitary cabins, then making our way back down to the incredible blue fjords and enchanting waterfalls. From crystal clear lakes to marshy wetlands, the changing landscape mesmerized me from the minute we set off.
Our destination was Sogndal, one of the biggest cities in this region. We chose Sogndal, as it was not only the perfect starting point for our excursion to the exceptionally scenic glacier tongue Nigardsbreen the next day but it also provided the ideal point for our kayak tour.
Due to the Gulf streams, the Sognefjord region has a relatively mild climate, which allows for fruitful cultivation of juicy pears, apricots, apples and peaches in the valleys. Our camping place was in a fantastic pear orchard opposite the Sognefjord.
Although the camping place was situated next to a main road one hardly heard any traffic. Encased in fruit trees it was wonderfully serene and the amazing view of the fjord often captured me in daydreams. The fjord seemed to lure both Tom and Soeren to try their hand at fishing again. However, once again they came back empty handed, but the salmon steaks we bought from Bergen were the perfect thing to lift their spirits. We grilled them on our little bbq and I served it with the most amazing bulgur salad. I could really get used to this!
Stedje Camping
Postboks 1
Telephone : +47 57671012
I was very excited about our excursion the next day. The glacier tongue Nigardsbree is one of the most magnificent one of the entire Jostedal Glacier and we had planned a kayak tour on the lake followed by a hike on the glacier itself.
It is vital that you book a professional guide for the glacier hike. It's fairly dangerous to be wandering on the glacier on your own. We booked our kayak and hiking tour through Icetroll Glacier Hiking & Kayaking and I can recommend them with both thumbs up. They were professional, friendly and funny - a characteristic often required to be able to see the brighter side of the glacier!
It was an experience of a lifetime. Getting up so close, seeing the vivid turquoise blue, hearing the crunch of the ice under our boots and feeling the chill of the glacier. We opted for one of the shorter glacier tours, which was a family friendly one and children from the age of 6 could master easily. The kayak tour on the Nigardsbreevatnet lake was also one of the shorter ones and it took about 3 hours.
One feels inconsequential standing at the foot of this colossal mass of ice. The Nigardsbree expands profoundly over the cliff, the ancient turquoise blue ice partially covered in a grey film of dirt. From the large opening at the steel blue mouth of the glacier a fierce and powerful torrent from the ice river flows into the lake below, while deep cracks and ridges have marked the glacier giving it undoubtedly the most unique characteristic. Large ice floes broken from the glacier float throughout the lake, which is surrounded by a morainic landscape. I was captivated by the sheer magnitude and found a new respect for nature around me.
If one is not keen or interested in taking a hiking or kayaking tour of the glacier, you can still get up close to the Nigardbreen with a small motorboat that takes tourists to the foot of the glacier. One can also hike from the parking lot of the Glacier Museum in a 40 minute hike right to the edge of the glacier. The route is clearly marked with red T's and takes you over rocks, cliffs and small streams. Don't forget to wear proper hiking boots.
The Glacier Museum is also worth a visit. We just had enough energy and time to take in the 20,000 year history of the massive glacier. The museum building itself is a interesting construction made out of wood and shaped almost like a Viking helmet.
Glacier Museum
6871 Jostedal
Telephone: +47 57 68 32 50
A side arm of the Sognefjord is the Lustrafjord and it tempts with rewarding destinations like the wonderful Stave Church of Urnes. This stave church boasts of being Norway's oldest stave churches and is located in the most spectacular settings one can imagine. The Stave church of Urnes was built in 1150, made entirely of wood and adorned with the most intricate and elaborate decorations.
En route I was hypnotized by the sensational beauty. Waterfalls, emerald green and turquoise blue fjords cutting into imposing mountains, each turn providing a new motive for my camera.
After a wonderful 2 days here, we were all set to hit the capital. Oslo promised to be filled with museums, art, shopping and pure city life.
It rained, all day! From the time we left Sogndal - the skies opened and it poured, sometimes with short drizzles. But on this day it did not matter. On this day we drove almost right across the country, a little over 300 kilometers in a little under 6 hours.
However, the closer we got to Oslo the bluer the skies got. The closer I got to the capital the more excited I got. I am a city girl, born in one of the world's most bustling capitals, Bombay. I am lured by big cities and the fast pace of life like I am to high heel shoes.
Our camping place was simply exceptional. Situated on a hill high above the city, it provided with a mind-blowing view of Oslo below all the way to the Holmenkollen. Run very professionally by a large staff, this is a great place to stay. A bus stop conveniently situated in front of the camping place brings visitors right to the city center.
Ekeberg Oslo City Camp
Ekebergveien 65
Telephone: +47 22 19 85 68
Oslo is probably one of the more pleasant and very charming cities in Europe. Dotted with many green parks one quickly gets a good overview of this city. Although with over 450 square kilometers Oslo is one of the world's largest cities, however with a population of just under half a million it remains fairly small. As the main focus of the city lies south of the Oslofjord, the main city is very compact and can be easily covered on foot.
The interesting center lies around the Karl Johans Gate between the huge city hall on the fjord, the palace and the main railway station. Towards the end of the 80s a lot of money was pumped into Oslo and it seems the construction plans are still in full swing. In 2008 the new Opera House directly on the fjord became the new landmark for the city.
There is a lot to see and do in Oslo and you will definitely need a few days to fully take in the several museums, landmarks and the stunning surroundings around the Oslofjord. So plan your stay in Oslo carefully. Below are just a few of the things we found interesting and I would like to share with you as my own personal recommendations.
The Oslo Pass is worth the 25 Euros. Depending on the length of your stay you can get a 1-3 day pass which allows you unlimited use of all of Oslo's public transportation, this not only includes, buses, trains, subway but also the ferries. Furthermore it enables free parking and free entry to most of the museums.
Our first day started with us heading towards Bygdoy, a peninsula about 2 kilometers west of the city center. Some of the most interesting museums are located here as well as the summer residence of the royal family and a few very impressive villas.
Start the day early, would be my tip, because there is a lot to see. Almost all the museums on Bygdoy are worth it and the kids will be captivated by them all. We started with the Viking Ship Museum, which houses the Viking Age Oseberg ship, Gokstad ship and Tune ship alongside other artifacts from Viking tombs found around the Oslofjord.
Viking Ship Museum
Huk Aveny 35
Telephone: +47 22 13 52 80
I was most keen to discover the Kon-Tiki-Museum. After reading and watching a report on Thor Heyerdahl, I was so impressed and could not wait to get up close to being a part of his incredible life. Thor Heyerdahl was a Norwegian biologist, born in 1914 in Larvik, who created several headlines with his spectacular expeditions. In 1947 he crossed the Pacific in a balsa raft "Kon-Tiki" in 101 days. The museum does a great job of displaying the various expeditions including the expedition Ra. With the fantastic original rafts on display we were taken through time accompanying Heyerdahl on his expeditions.
Kon-Tiki Museum
Bygdøynesveien 36
Telephone: +47 23 08 67 67
Both Tom and I were looking forward to visiting the Nobel Peace Center. A feeling of humbleness overcame us as we walked the corridors lined with past Nobel Peace prize winners. The building is very modern and displays very interesting exhibitions, both permanent and changing. The Peace Prize laureates are all presented in the Nobel Field, which consist of digital display screens set in a garden of 1000 fiber-optic lights.
Make sure you get a look at the "magical book" about Alfred Nobel, his life and work, the Electronic Wall Papers and the film room The Eye.
Nobel Peace Center (Nobels Fredssenter)
Brynjulf Bulls plass 1
Telephone: +47 48 30 10 00
I love the work of Edvard Munch, yet another Norwegian heartthrob of mine! An expressionist painter and printmaker from Oslo, Munch was regarded as the pioneer of the amazing Expressionist movement. His artwork from the late 1800s is the most well known, the most famous ones have got to be "The Scream" and "Madonna". For me it was a dream come true to actually be able to view both here in Oslo the home town of Edvard Munch.
After both pieces were stolen in August 2004 during the usual opening hours of the museum, which became one of the most spectacular art robberies of our time, I was excited that they were back "home". But the museum offers so much more - a huge collection of his work is on display here and what an overwhelming feeling it was to be amongst 20,000 pieces of art from one of the forerunners of expressionistic art.
Munch Museum
Tøyengata 53
Telephone: +47 23 49 35 00
The Royal Palace will surprise you! It's not at all pompous but modest, charming and simply beautiful. It is hardly fenced and tourists can really get up close – almost to the front door! In black uniform, the guards patrol the grounds and they themselves are part of the tourist attraction.
Everyday at 13:30 you can catch the changing of the guards and if the king is at home this is accompanied by the choir. The lovely park around the palace now belongs to tourists and the residents of Oslo and offers a wonderful view across the main Karl Johans Gate.
From here we walked down the Karl Johans Gate to the old university building. As both Tom and I belong to a university institute we are always keen to see how old universities in other cities are. For me another attraction was seeing more of Edvard Munch's work in the assembly hall.
Further down the Karl Johans Gate, is the Storing, the home of Norway's parliament and worth a visit for it's impressive construction.
Impressive is also the magnificent city hall, Oslo's true landmark. This monumental brick building with its massive towers took 20 years to build. Very recommended: a tour through the building.
You'll find a lot of restaurants on the Karl Johans Gate, but my tip would be to make your way to Gronland a very trendy district in Oslo.
This district seems to be influenced by the people of the world who have settled here and one quickly forgets that one is in Norway's capital. There are an exceptional selection of restaurants and bars, which are inexpensive and offer great food. In the evening Tom and I came back here after Soeren was fast asleep. (Thanks to the Dutch couple in the camper next to us for keeping an eye on him!)
Gronland is also my shopping tip in Oslo. You'll find exotic shops and stores offering wares not usually available elsewhere in Oslo. Gronland is a colorful and multicultural place to hang out in and it should be on your "must visit" list.
Make your way up to the Holmenkollen. Some might say "it's just where the ski jump is!" but I say it's worth it. Situated high on a hill overlooking the entire city one has a fantastic panorama view of Oslo.
The ski jump itself is an amazing piece of architecture. In 2008 it was closed and renovation work began to provide for a legendary facilities, which will host the 2011 FIS Nordic World Ski Championships. There has been a lot of controversy about the building of the Holmenkollen, for us however it was quite exhilarating to see how things developed and will soon be open to the world.
Our 2 days in Oslo were coming to an end and so was our vacation. On our route back to Kristiansand we had planned a few days of sun, sand and beaches - yes in Norway!
Kragero is a lively little town south east of Norway, situated in the middle of breathtaking archipelagos. The colorful wood houses cower on the rocks and spread out across the little islands. Our camping place was a piece of paradise in itself. Located idyllically on an archipelago about 6km north of Kragero it offered it's own harbor, beach, swimming pool and plenty of fun activities for the kids. I think I hardly saw Soeren during our stay here!
Lovisenbergveien Camping
Lovisenbergveien 86
Telephone: +47 35 98 87 77
It was just a short stop for us in Kragero and after a little time walking and discovering the lovely streets of the town we spent the rest of the time relaxing on the beach before we headed back towards Kristiansand to catch our ferry back home.
Norway is truly God's country. You will find it hard not to fall in love with this amazing place. A place where I truly found piece of mind and time to shut off the hectic world around me and even though our tour was ambitious, I came back home relaxed and totally motivated. Looking at the pictures and reading both the travelogues I smile and think - "Norway. My Way. Again. Next year?"
There are many online travel guides that will help you plan your trip to Norway. I personally found Visit Norway the best and most comprehensive with beautiful photos and exciting videos. The folks from Visit Norway are also on Twitter where they were very prompt in answering all my queries. You'll also find them on Facebook and they regularly add helpful tips and information.
Thank you to the team of Visit Norway for all your great help, advice and tips.
Visit Norway
Website: www.visitnorway.com
Twitter: @visitnorway
Facebook: http://www.facebook.com/visitnorway
If you missed part one of the travelogue I am sure you will find the tour through Mandal, Stavangar, the Preikestolen and the Hardanger Region very interesting.
All photographs and written content on What's For Lunch, Honey? © 2006-2010 Meeta Khurana unless otherwise indicated. | All rights reserved | Please Ask First


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Selecting Objects
In addition to nearly 500 objects on view in the Museum's permanent collection galleries as well as rotating special exhibitions, the Art Museum and the Joseph Allen Skinner Museum combined are home to nearly 24,000 objects available to faculty and students for research and teaching.
Here are suggestions for finding objects to suit your needs:
- Browse our Collection Highlights
- Search Mount Holyoke's collection in the Five College and Historic Deerfield Museum Consortium Online Database or follow this link to see a list of objects currently on view
- Schedule a consultation session with Museum staff
- Find Ideas and Inspiration from other faculty visits
When choosing objects, please keep in mind that "less is more" when it comes to teaching with art. When students have time to consider art and material culture in more depth by focusing on a single work of art or a small group of objects for an extended period of time, we find that their visit has the greatest impact. Typically a range of 5-15 objects is ideal for study during a single class visit. For the safety of the art, a maximum of 15 objects from storage can be requested per visit.


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CRISPR Therapeutics AG (CRSP) Expected to Beat Earnings Estimates: Should You Buy?
Wall Street expects a year-over-year decline in earnings on higher revenues when CRISPR Therapeutics AG (CRSP) reports results for the quarter ended September 2022. While this widely-known consensus outlook is important in gauging the company's earnings picture, a powerful factor that could impact its near-term stock price is how the actual results compare to these estimates.
The stock might move higher if these key numbers top expectations in the upcoming earnings report. On the other hand, if they miss, the stock may move lower.
While the sustainability of the immediate price change and future earnings expectations will mostly depend on management's discussion of business conditions on the earnings call, it's worth handicapping the probability of a positive EPS surprise.
Zacks Consensus Estimate
This company is expected to post quarterly loss of $2.30 per share in its upcoming report, which represents a year-over-year change of -37.7%.
Revenues are expected to be $3.53 million, up 330.5% from the year-ago quarter.
Estimate Revisions Trend
The consensus EPS estimate for the quarter has been revised 0.74% higher over the last 30 days to the current level. This is essentially a reflection of how the covering analysts have collectively reassessed their initial estimates over this period.
Investors should keep in mind that an aggregate change may not always reflect the direction of estimate revisions by each of the covering analysts.
Earnings Whisper
Estimate revisions ahead of a company's earnings release offer clues to the business conditions for the period whose results are coming out. Our proprietary surprise prediction model -- the Zacks Earnings ESP (Expected Surprise Prediction) -- has this insight at its core.
The Zacks Earnings ESP compares the Most Accurate Estimate to the Zacks Consensus Estimate for the quarter; the Most Accurate Estimate is a more recent version of the Zacks Consensus EPS estimate. The idea here is that analysts revising their estimates right before an earnings release have the latest information, which could potentially be more accurate than what they and others contributing to the consensus had predicted earlier.
Thus, a positive or negative Earnings ESP reading theoretically indicates the likely deviation of the actual earnings from the consensus estimate. However, the model's predictive power is significant for positive ESP readings only.
A positive Earnings ESP is a strong predictor of an earnings beat, particularly when combined with a Zacks Rank #1 (Strong Buy), 2 (Buy) or 3 (Hold). Our research shows that stocks with this combination produce a positive surprise nearly 70% of the time, and a solid Zacks Rank actually increases the predictive power of Earnings ESP.
Please note that a negative Earnings ESP reading is not indicative of an earnings miss. Our research shows that it is difficult to predict an earnings beat with any degree of confidence for stocks with negative Earnings ESP readings and/or Zacks Rank of 4 (Sell) or 5 (Strong Sell).
How Have the Numbers Shaped Up for CRISPR Therapeutics AG?
For CRISPR Therapeutics AG, the Most Accurate Estimate is higher than the Zacks Consensus Estimate, suggesting that analysts have recently become bullish on the company's earnings prospects. This has resulted in an Earnings ESP of +16%.
On the other hand, the stock currently carries a Zacks Rank of #3.
So, this combination indicates that CRISPR Therapeutics AG will most likely beat the consensus EPS estimate.
Does Earnings Surprise History Hold Any Clue?
Analysts often consider to what extent a company has been able to match consensus estimates in the past while calculating their estimates for its future earnings. So, it's worth taking a look at the surprise history for gauging its influence on the upcoming number.
For the last reported quarter, it was expected that CRISPR Therapeutics AG would post a loss of $2.23 per share when it actually produced a loss of $2.40, delivering a surprise of -7.62%.
Over the last four quarters, the company has beaten consensus EPS estimates just once.
Bottom Line
An earnings beat or miss may not be the sole basis for a stock moving higher or lower. Many stocks end up losing ground despite an earnings beat due to other factors that disappoint investors. Similarly, unforeseen catalysts help a number of stocks gain despite an earnings miss.
That said, betting on stocks that are expected to beat earnings expectations does increase the odds of success. This is why it's worth checking a company's Earnings ESP and Zacks Rank ahead of its quarterly release. Make sure to utilize our Earnings ESP Filter to uncover the best stocks to buy or sell before they've reported.
CRISPR Therapeutics AG appears a compelling earnings-beat candidate. However, investors should pay attention to other factors too for betting on this stock or staying away from it ahead of its earnings release.
An Industry Player's Expected Results
Ultragenyx (RARE), another stock in the Zacks Medical - Biomedical and Genetics industry, is expected to report earnings per share of $2.18 for the quarter ended September 2022. This estimate points to a year-over-year change of -101.9%. Revenues for the quarter are expected to be $98.76 million, up 21% from the year-ago quarter.
Over the last 30 days, the consensus EPS estimate for Ultragenyx has been revised 1.4% down to the current level. Nevertheless, the company now has an Earnings ESP of -3.53%, reflecting a lower Most Accurate Estimate.
This Earnings ESP, combined with its Zacks Rank #3 (Hold), makes it difficult to conclusively predict that Ultragenyx will beat the consensus EPS estimate. Over the last four quarters, the company surpassed EPS estimates just once.
Stay on top of upcoming earnings announcements with the Zacks Earnings Calendar.
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CRISPR Therapeutics AG (CRSP) : Free Stock Analysis Report
Ultragenyx Pharmaceutical Inc. (RARE) : Free Stock Analysis Report
To read this article on Zacks.com click here.
Zacks Investment Research


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Welcome To Joyride
Joyride Brewing Company is a small craft brewery in Edgewater, CO, across the street from the banks of Sloan's Lake. The brewery opened for business on July 16, 2014. We have a 10 barrel brewhouse with ten serving tanks and 11 fermenters. Our downstairs taproom is around 1600 sq ft and can hold about 95 people. Our upstairs rooftop patio is around 2400 sq ft and can hold an additional 150 people. Please join us and enjoy the majestic views of the lake with some of the finest beer in town.