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Course summary
TEF Gold
Bishop Grosseteste University has opted into the TEF and received a Gold award.
The Foundation Year gives you a perfect introduction in what it means to be a university student, equipping you with the necessary skills and knowledge for effective undergraduate study. At BGU You'll benefit from small class sizes, intensive teaching and personalised support which will help you to get the most out of your study. It will provide you with a solid base for future study and allow you to settle into university life. This course allows you to study English as a single honours degree, giving you an in-depth knowledge of the subject. Studying English at BGU provides an exciting and wide-ranging engagement with the power of human creativity and the rich heritage of literary expression. You will study great works of literature from Sophocles to Ali Smith, directing your own path of learning through module options such as children's literature and trauma narrative, creative writing and crime fiction, restoration drama and contemporary literature.
Course details
Unistats information
The number of student respondents and response rates can be important in interpreting the data. For further information, see the Discover Uni website.
How to apply
This course is not accepting applications from Tier 4 international students. For more information, please contact the course provider.
Application deadlines
If your application is completed by the following date, it's guaranteed to be considered:
15 January*If you apply after this deadline, universities or colleges don't have to consider your application if they've filled their spaces, so the sooner you apply, the better!
Application codes
You will need these codes when you add a choice to your application.
|Course code
|Institution code
|Campus name
|Main Site
|Campus code
Points of entry
The following entry points are available for this course:
- Foundation
Entry requirements
Qualification requirements
|Further information
Application for this course is via UCAS, although there is no formal requirement for UCAS points to access the course (however, normally GSCE English or equivalent is desirable). As part of your application you will have the opportunity to speak with a member of BGU Admissions staff to resolve any questions or queries you may have. Different degree subjects may have specific entry requirements to allow you to progress from the Foundation Year. Whilst not a condition of entry onto the Foundation Year, you will need to have met these by the time you complete the first year of this four year course. The Foundation Year syllabus does not include any specific element of upskilling in English language and you are not entitled to apply for Accredited Prior Learning, AP(C)L into a Foundation Year. International applicants are not eligible to apply for an undergraduate programme with a Foundation Year.
Fees and funding
Tuition fees
|Year 1
|Year 1
|Northern Ireland
|Year 1
|Year 1
|Year 1
Additional fee information
Provider information
Bishop Grosseteste University


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How can you avoid expensive mistakes with a pre-purchase inspection
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Before You Buy:
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हरियाणा समाचार
Shooter Gauri Sheoran made brand ambassador for Haryana's health programmes
Haryana government has appointed international shooter Gauri Sheoran the brand ambassador for its two health-related programmes. The decision was announced…Read More
Haryana Horticulture Department signed MoU with International Potato Centre (CIP) in the area of Potato
The Haryana Horticulture Department today signed a Memorandum of Understanding (MOU) with International Potato Centre (CIP) in the area of…Read More
Haryana Agriculture and Farmers' Welfare Minister, Mr. O.P. Dhankar launched Crop Cluster Development Programme from village Uncha Majra, district Gurugram….Read More
Haryana, first state to have an online integrated SARAL platform
SARAL is in alignment with the Digital India's vision of faceless, paperless and cashless service delivery model. SARAL is a…Read More
Kyrgyzstan is partner country of Surajkund International Crafts Mela 2018
The 32nd Surajkund International Crafts Mela 2018 has started at Faridabad, Haryana on February 2, 2018. The Mela is organized…Read More
Haryana crowned champions of Khelo India School Games 2018
Haryana topped the overall medal tally after claiming 38 gold medals in the inaugural edition of the Khelo India School…Read More
Saint Guru Ravidas Sahayata and Deen Dayal Upadhyaya Antyodaya Yojana
The Haryana Chief Minister, Mr Manohar Lal, today announced that interest-free loan of Rs 25,000 would be provided to small artisans…Read More
Haryana Kisan Kalyan Pradhikaran
The Chief Minister said sensitive to the condition and needs of the farmers,the state government has set up the Haryana…Read More


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If you want to carry your firearm in the state of Texas, you need this course to meet the classroom and proficiency training requirements. With a minimum of 4 hours of interactive classroom presentation and up to 2 hours of range time for proficiency demonstration, this course meets all the training requirements to obtain a License to Carry in the state of Texas and receive your LTC-100 certificate.
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This course includes classroom and range time to demonstrate proficiency for the LTC. Students learn Texas Firearms Laws, Use of Deadly Force Laws, Non-Violent Dispute Resolution, Proper Storage and Holsters, Use and Safety of Handguns and a Shooting Fundamentals review. There is also a written exam.
- Classes are limited to the first 20 students
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- Bring your own firearm or we have them for rent
- Course requires 50 rounds of ammunition
- .22LR is the minimum caliber required to shoot the proficiency test
- The B-27 Proficiency Target and Range Waiver fee is included in the class
- Eye Protection and Hearing protection are not included but available to rent
Note: Our classes do not include a long break for lunch or dinner. You may bring your own lunch/dinner, drinks, and snacks. Vending machine is available.
Academy course cancellation policies apply.
If you are signing up for someone else, or are signing up more than just yourself. Please list the name(s) in the checkout notes so we properly schedule you.


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By Joe Pinkstone For Mailonline.
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Robinson leads, plays with heart
Four years ago, Ravin Robinson came to Indian River High School as a freshman, and was instantly thrust into the big-time competition of varsity basketball. Rather than be intimidated, Robinson felt she was in a position to learn how to compete on a higher level.
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Robinson plays the game very intelligently, indeed; she seems to wait for the precise moment to make the play. Robinson averages a team-high 12 points per game, but it's the intangibles that stick out when watching the Lady Indians play basketball.
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Robinson leads from the front, setting the tone in practice and games, giving 100 percent at all times, as she scrambles for defensive position or is running the offense, in spite of her physical ailments.
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Once Robinson got older the competition heated up between the two siblings — mostly to see who could get to the phone first.
With the basketball season coming to a conclusion, Robinson is looking forward to the upcoming softball season.
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Robinson wants to recapture the postseason magic they had her freshman year when the team lost to Smyrna by one run in the second round of the playoffs.
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"I have worked very hard to get where I am today, but I can always go farther," said Robinson.


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RF Owners Group On Facebook
For all the RF owners in our club, there is a very friendly group of RF owners from around the world on Facebook. They just started the site not too long ago and are over 100 members already. Very nice people to talk with and share stories about our cars.


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Global construction machinery market size by region: outlook 2019
Global construction equipment market size forecast
China, North America and Europe are expected to be the largest markets for construction equipment for years to come. While the European market is predicted to remain flat and the Chinese market will likely have to face challenges, North America is expected to continue its buoyancy.
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In emerging markets, increasingly affluent consumers are predicted to drive demand for larger residential structures and developments in infrastructure, while some experts also see bullish trends in industrial countries, where construction activity is expected to increase to fix aging infrastructure.


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Our WebsiteContact Them
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Making Public Policy: Institutions, Actors, Strategies
- Publish Date: 2004-12-10
- Binding: Paperback
- Author: Mark Considine
Arrives in 3-7 Business Days
Mark Considine's new book explores the nature of public policy-making in a world undergoing cataclysmic change. Running through the text is the core assertion that policy-making can best be seen as a form of intervention into specific social and cultural contexts, and not as an engineered solution to universal problems.
The book provides a comprehensive and up-to-date introduction to key issues and contemporary debates in public policy. The author draws on a wide range of examples from around the world to develop a framework for understanding the way social contexts, policy histories and institutional pathways generate opportunities. Separate chapters focus on public action, context, discourse, institutional pathways, networks, organizations, governance, citizen engagement and accountability.
Clearly-written and compelling, this will be essential reading for upper-level undergraduate students taking courses in public policy, social policy, environmental studies, health studies, European studies and development.


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Spin-X Mini DVD-R 4x 1.46GB, 8cm Shiny Sliver Disc
- Size: 80 mm / 8 cm (1.47GB)
- Speed: Up to 4X
- Substrate: Polycarbonate
- Face Type: Shiny Sliver Surface
- 600 pieces per carton
Spin-X Mini DVD-R 4x 1.46GB, 8cm Shiny Sliver Disc
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Spin-X Mini DVD-R 4x 1.46GB, 8cm Shiny Sliver Disc


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Compact ID FAP30 Fingerprint Scanner
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SMUFS Combo offers the largest scanning area (20.32 x 25.4 mm) using Optical TFT FAP30 FBI certified scanner, which makes it suitable for performing under direct sunlight, while handling rough, dry, dirty, and large fingers.
Universal Fingerprint Scanner
Smufs, Secure Mobile Universal Fingerprint Scanner, is a compact, self-powered, standalone fingerprint scanner, capable of running over Bluetooth and USB interfaces.
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SMUFS Biometric Solutions
SMUFS Biometric Solutions (SBS) is an Israeli company that develops and manufactures biometric hardware and software solutions, primarily in the mobile domain. SBS biometric hand-held devices provides innovative technologies to convert your existing Mobile phones and Tablets into powerful biometric station. SBS has patented the FIPS 201/PIV compliant fingerprint scanner that works with every possible architecture prevalent in the market today, such as Android, iOS, Windows, Linux and Macintosh. SBS is thriving, because of it's ability to provide mobile identity verification solutions with accurate identity enrollment, identification and verification at anytime, anywhere in a most cost effective manner.
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Saving a Soul May Depend on You
The Need to Pray for Sinners
In the message given to St. Faustina, Jesus emphasises many times the need to pray for sinners: "The loss of each soul plunges Me into mortal sadness. You always console Me when you pray for sinners. The prayer most pleasing to Me is prayer for the conversion of sinners" (Diary 1397). "Gather all sinners from the entire world and immerse them in the abyss of My mercy" (Diary 206).
Jesus' also requests prayer for the dying, "By your prayers, obtain for them trust in My mercy, because they have most need of trust, and have it least. Be assured that the grace of eternal salvation for certain souls in their final moment depends on your prayer" (Diary 1777).
He also allowed St. Faustina to visit Purgatory because He wanted her to pray for the dead and perform deeds of mercy for them, bringing them relief in their suffering while in Purgatory.
How to Pray for Sinners
Jesus also tells us how we should pray for souls, which is that we should become united with Him through love and through everything that makes up our everyday human life. We should also take part in His salvific work. He instructed St. Faustina, "You will join prayers, fasts, mortifications, labours and all sufferings to My prayer and sufferings and then they will have power before My Father". (Diary 531)
The Value of our Personal Suffering
A special role in entreating God's mercy for the world is played by suffering. "There is but one price at which souls are bought", Jesus told St. Faustina, "and that is suffering united to My suffering on the cross" (Diary 324).
"Every conversion of a sinful soul demands sacrifice" (Diary 961). The Lord Jesus told St. Faustina: "I have need of your sufferings to rescue souls" (Diary 1612)."Help Me, My daughter to save souls. Join your sufferings to My Passion and offer them to the Heavenly Father for sinners" (Diary 1032).
St. Faustina's Perfect Example
St. Faustina had magnanimously undertook this task, providing an example for the future apostles of Divine Mercy Devotion. "O my God", she wrote, "I am conscious of my mission in the Holy Church. It is my constant endeavour to plead for mercy for the world. I unite myself closely with Jesus and stand before Him as an atoning sacrifice on behalf of the world" (Diary 482). "I am being burned up by the desire to save souls; I traverse the world's length and breadth … to save souls. I do this through prayer and sacrifice" (Diary 745). By cooperating with Jesus in the task of saving lost souls, she offered her life in sacrifice for sinners and particularly for those souls who have lost hope in God's mercy (Diary 309). Her life was a continual sacrifice and that is why she was able to write, "My name is host" (Diary 485).
The task of entreating God's mercy for the world is taken up in a very special way by the "Sisters of Merciful Jesus" founded in Vilnius by Saint Faustina on request of Our Lord."Souls separated from the world" writes St. Faustina "will burn as an offering before God's throne and beg for mercy for the whole world … and by their entreaties they will obtain blessings for priests and through their prayers prepare the world for the final coming of Jesus" (Diary 1155).
On the other hand, active congregations are to combine prayer with deeds of mercy. The remaining members of the Apostolic Movement of the Divine Mercy are to act in a similar way in as far as is only in their might. Yet, a special appeal is addressed by St. Faustina to the religious, when she writes in the summing up of the order of the new congregation,"Oh, how great should be the ardour of every soul who will live in that convent. Let everyone remember that if we religious do not intercede before God, who will? (Diary 572).
The Devotion to Divine Mercy
It is also the same cause, namely that of entreating God's mercy for the whole world, that the new forms of devotion revealed to St. Faustina are to serve. They are to be the vessels by means of which we are to draw graces of God's mercy, as well as an instrument of "appeasing God's wrath". (Diary 476)
At the very foundation of each of the above-mentioned tasks lies a genuine acquaintance with and personal experience of the mystery of God's mercy. For it is on this experience that there depends one's spiritual revival, and thereby one's growth in the attitude of entrustment to God and mercy towards neighbours. It is also on this experience that there depends the effectiveness of one's apostolic activity, that is proclaiming the mystery of the Mercy of God revealed in Christ crucified and risen as well as the intensity of prayer and sacrifice in the intention of entreating mercy for oneself and for the world.


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Moving is a less stressful job when you heed the advice of experts who have all the right tips and information. Packing boxes is rarely fun or easy and when improperly packed, not only do you waste space in the box, you risk causing damage to the items inside. Rest assured those worries are gone when you put the tips below to work when packing the boxes.
Group Items Together
Use a grouping system for packing boxes. Items packed by similar size and weight will mesh better together in the box. Even when packing items room by room, it's easy to group items together by size and weight and makes moving boxes much easier.
Use Protection
A variety of protective packing supplies prevent breakage, chips, cracks, and other damages that could ruin the things that you're moving. Use these items to protect your belongings. Packing peanuts is one of the most popular items used for moving boxes, but other choices are also available.
Trust the Experts
Did you know that long-distance movers norman ok pack boxes? It's true and if you want a full-service move, you can get that service, too. It's easy to ensure that your boxes are packed the right way when the pros are there.
Heavy Goes on the Bottom
Make sure that heaviest items are placed on the bottom of the box. Use bubble wrap to separate them from other items in the box. Cushion foam and styrofoam are also available to protect these goods.
The Weight of the Matter
Make sure that no box you pack weighs more than 30 pounds. The box should be easy to lift. Boxes that are packed over this weight may collapse during the transit, which may cause a lot of problems.


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Author Title Type [ Year]
Filters: Author is Zhang, Qian [Clear All Filters]
Innate Antiviral Host Defense Attenuates TGF-β Function through IRF3-Mediated Suppression of Smad Signaling.Mol Cell56, 723-737.(2014).
Attenuating Hypoxia-Induced Apoptosis and Autophagy of Mesenchymal Stem Cells: the Potential of Sitagliptin in Stem Cell-Based Therapy.Cell Physiol Biochem37, 1914-1926.(2015).
Therapeutical Strategies for Spinal Cord Injury and a Promising Autologous Astrocyte-Based Therapy Using Efficient Reprogramming Techniques.Mol Neurobiol.(2015).
Anti-myocardial ischemia effect of Syringa pinnatifolia Hemsl. by inhibiting expression of cyclooxygenase-1 and -2 in myocardial tissues of mice.J Ethnopharmacol.(2016).
Efficient Generation of Functionally Active Spinal Cord Neurons from Spermatogonial Stem Cells.Mol Neurobiol.(2016).
The epigenetic modifier CHD5 functions as a novel tumor suppressor for renal cell carcinoma and is predominantly inactivated by promoter CpG methylation.Oncotarget.(2016).
The requirement of SEPT2 and SEPT7 for migration and invasion in human breast cancer via MEK/ERK activation.Oncotarget.(2016).
Tcstv1 and Tcstv3 elongate telomeres of mouse ES cells.Sci Rep6, 19852.(2016).
Effects of chlorinated polyfluoroalkyl ether sulfonate in comparison with perfluoroalkyl acids on gene profiles and stemness in human mesenchymal stem cells.Chemosphere237, 124402.(2019).
Generation of an integration-free induced pluripotent stem cell line (PUMCHi001-A) from a patient with familial partial lipodystrophy type 2 (FPLD2) carrying a heterozygous p.R349W (c.1045C > T) mutation in the LMNA gene.Stem Cell Res42, 101651.(2019).
Mesenchymal stem cells inhibited the inflammation and oxidative stress in LPS-activated microglial cells through AMPK pathway.J Neural Transm (Vienna).(2019).
New discoveries of mdig in the epigenetic regulation of cancers.Semin Cancer Biol.(2019).
Sirt1 Promotes Osteogenic Differentiation and Increases Alveolar Bone Mass via Bmi1 Activation in Mice.J Bone Miner Res.(2019).


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The Naked Director
In 1980s Japan, one decided man turned each crushing setback into alternative. His identify was Toru Muranishi, and he revolutionized his business.
Genre: Comedy
Actors: Conlan Casal, Itsuji Itao, Jun Kunimura, Koyuki, Lily Franky, Sairi Itoh, Sam Bass, Shinnosuke Mitsushima, Takayuki Yamada, Takenori Gotô, Tetsuji Tamayama
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uv400 Sports Motorcycle Goggles This UV400 sports motorcycle goggle is with 2.5mm thickness polycarbonate lenses, which can anti-bullet. It is suitable for people who ride motorcycle. The frame is made from TPU, a kind of soft rubber. And the design is classic, which will never die. The lenses...
uv400 Sports Motorcycle Goggles
This UV400 sports motorcycle goggle is with 2.5mm thickness polycarbonate lenses, which can anti-bullet. It is suitable for people who ride motorcycle. The frame is made from TPU, a kind of soft rubber. And the design is classic, which will never die. The lenses color can be clear or with tinted color. The color as the picture, black frame with clear lenses, that is the typical color which a lot of customers prefer.
Product Description:
Product Type
Motorcycle Goggles
Item No.
Frame Material
Lens Material
PC or other lenses
Frame Color
a lot of solid colors available
Lens Color
Your own logo is warmly welcome. Different colors can be made as your various need
More Similar Styles:
Packaging & Shipping:
Payment terms
40% deposit, T/T balance before shipment
Supply ability
Carton size
Standard packing way
1pc/polybag,12pcs/inner box,300pcs/outer carton
Delivery time
40~70days after receiving the deposit
Regular packing way:
1.Could i put my own logo on it?
>yes, customers logo can be made by printing, laser or metal logo,etc.
The logos are often put outside both arms.
2.How about the quality ?
All the lenses are with UV400 protection.
> comply with CE & FDA
> 100% QC in produce process and before packing.
3.Could i buy 1pc sample first and small order ?
>Yes, weaccept sample order and small order, especially for new customers under certain condition.
4. What frame color can be made?
> All frame colors can be made. As long as you let us know below information for single colors.
a.shiny or matte or rubberized finishing
b.solid color or transparent color.
c.pantone color code.
d.If not, single color, you can send us the pictures that you like.
Color samples can be made for checking before mass production.
5.What lens mirror coating can be put?
We have a lot of lens true REVO coatings for choice. Like green, pink, red, orange, blue, purple and so on. Please contact us for the true REVO coating catalogues.
6.How long to make samples?
> 7~30days which depends on the samples' complexity.
7.Except for standard packing way, do you offer other packing accessories?
>Yes. We also offer packing material, like cases, boxes, cloth bags, cleaning cloth, hang tags, lens stickers, and so on.
8.How to make an order?
If you come to visit us, it would be much easier to check the details face by face.
9.How to get a better price?
The bigger quantity of the order, the better price it is.
Company Information:
Xiamen Jiayu Optical Co., Ltd is a professional manufacturer and exporter of high and medium quality of sports sunglasses,fashion sunglasses and safety glasses. We are located in Xiamen,Fujian Province of China.
We offer one-stop service and you can always find what you need in our product collections and the irrelevant accessories. We are looking forward to cooperating with you. Please feel free to contact us.
Why choose us:
1.We are a factory specializing in different kinds of eyewear for more than 8 years.
2.Short lead time for order:Goods could be finished within 30~70 days.
3.Small orders are accepted. You can place an order within your budget.
4.Prompt reply offer you better communication.
5.OEM&ODM service offered make your design and new ideas come true.
6.Positive feedback :
Contact Us:
Contact person:Kate Zhang
Skype: katezhang8
WhatsApp:0086 139 5013 7851
E-mail: firstname.lastname@example.com
Wholesale uv400 vintage prescription motorcycle goggles from one of the reliable China Sports Goggles manufacturers and suppliers,you can contact our factory.


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Intelast was established in 2012 to connect start-ups and SMEs with cost-effective knowledge resources. We specialise in connecting PhD students with innovative, venture capital-backed companies that are working to develop novel solutions to some of the most challenging issues in their respective fields.
We work with students from numerous leading universities around the world, including:
Intelast's founding team brings experience from roles within blue chip consultancies, SMEs and venture capital. We work with companies and students from all over the world but operate predominantly from the UK.
For more information please contact us at email@example.com.


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THOSE who follow the fashion vloggers will know that, on occasion, their recommendations can be a bit out of the average shopper's price range.
But popular style YouTuber Gabriella has just showed off her summer haul - and it is all within reach as the whole lot comes from Primark.
The pretty vlogger posted a video to her channel showcasing all her top picks from this season's collection, including a pair of sandals that will set you back just £8.
In the video, Gabriella confesses: "I saw two [Primark] things that I really wanted, and I went in just looking for the two things.
"Did I come out with the two things? No, I came out with about 25!"
The fashionista went on to talk viewers through her haul, including the bargain summer sandals.
She said: "It's actually getting quite hot here in the UK quite quickly and it's worrying me because I'm still in my boots and my jeans and my leggings and I don't have any shoes to wear."
She then held up a pair of pale pink sandals with a jewel detail on the strap explaining that she had bought them in a size 4 for just £8.
She said: "I just think these are so lovely they've got gem stones on and they are just so pretty."
Before adding: "I normally get my sandals from Primark because they are surprisingly quite comfy."
Gabriella's fashion tips have attracted her an impressive 900,000 subscribers to her YouTube channel.
She also recommended a round watermelon beah towel for £12 and bright blue bikini with the top costing £8 and the bottoms just £5.


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Many people say that Lamborghini Egoista price is the most expensive sport cars entire the world. It is surely true. The designer of this vehicle built it after got inspiration from Apacha helicopter. Walter de Silva as designer must be has a reason why the price tag of this vehicle is so high. It has an exotic design for being a new car from Italy.
Lamborghini Egoista price is more than $500.000. This is why egoista is called the most expensive sport car entire the world. Furthermore, orange shield is operated mechanically to cover the cockpit of the car. Antiradar material is specially made for the shield. Those all is more than enough reason to make this egoista Lamborghini has a high cost for each.
The reasonable of Lamborghini Egoista price
Egoista Lamborghini is made special for them who loves exclusive sport car. The engine with 5.2 liter V10 and 592 power of brake power will be satisfied the driver in driving this sport car. This supercar is also made for a person who enjoys drive by himself without anyone accompanies him. It has only one seat. It is also why this Lamborghini is called egoista. Even though it only has a single seat, Lamborghini Egoista price is still reasonable.
This lucid Lamborghini has seatbelt with four pants which has different colors. Anti glare is made for the glass and there is no walk zones for this vehicle. Aluminum, carbon-fiber and a lightweight are high quality material to make this vehicle. So, it is no surprised why Lamborghini Egoista price is that high. The headlight of egoista also uses the best one. It is the light with LED clearance. When people know what they get in this Lamborghini, there will be no reason to not love both of the car and the price. (Also read about: The Excitement of the New Lamborghini Aventador)


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Sanza is used extensively in hospitals and clinics through out Germany. Currently the Italian government is conducting a pilot study using Sanza as a solution to their growing health care/economic problems. Sanza is easy to use with standard settings but it is possible for a practitioner to pre-program desired protocols or choose parameters to mimic…Read more
PEMF and Bio Frequency Therapy to Treat Cancer
Our body's magnetic field needs to be in sync with the natural magnetic fields of the earth. This is very important for the internal regulation of the body. The magnetic fields move freely throughout our body. The body makes use of these magnetic fields to generate cellular energy. With this energy, the body heals and…Read more


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Startseite // Forschung // FSTM // DPHYMS // Research areas // Photovoltaics // Openings
LPV is part of a large doctoral training unit MASSENA. For more information, follow the link
We are usually looking for bright students for master and bachelor theses.
If you are interested contact us.
Open positions for doctoral students and postdocs are listed on the university's job portal : all jobs opportunities


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Do you have a kinky side for sex and you fantasize about having more than a single orgasm? How many times do you go online in search for the best sex toys that would make you gasp for air because of pleasure? Do you sometimes wonder why your sex toy fails to ignite the deepest sex fantasies in you? If you answered yes to these questions, it is high time you checked for the fucking machines Australia has today for maximum pleasure. If you want to live your ultimate sex fantasy, here are the best tips on how to do it.
Set the right mood in your house
If you want to have multiple orgasms, you cannot do it in a room that is noisy and messy. Despite being alone, you need to create a romantic ambiance that will put you in the right mood. You can start by closing the blinds, turning down the lights, putting on sexy music, and lighting candles. Lock the windows and the door to avoid someone coming in, when you are pleasuring yourself.
Choose the right sex machine
Fucking machines in Australia come in different types, shapes, colors, and shapes. Ensure that you buy the one that suits your desires and needs. If you would like to have a hard stimulation, select a sex machine whose dildo is made of steel, hard glass or wood. If you are the type of girls who need an extra stretch, choose an inflatable or a larger dildo. In case, you are the type who gets aroused through clitoral stimulation, go for a rabbit style dildo or vibrator. When you have found the right fucking machines Australia has today here are now the best tips on how to use them to achieve maximum pleasure.
Ensure you are fully aroused before using the machine
Before you start, ensure that you are fully aroused. You can do this by watching a romantic movie. Lay on a comfortable surface and fantasize as you stimulate your clitoris with your fingers or a vibrator.
Use a slow, but a steady penetration technique
Your gentiles are very sensitive, and the last thing you would like to happen is to have a discomfort. To avoid this from happening, push the dildo slowly, breathe heavily, and deeply. Such kind of breathing helps to improve blood circulation in your private parts. Most of the Australia fucking machines are very convenient to handle, thus helping you to relax.
Rock the dildo out
Most of the best fucking machines in Australia usually use straight dildos for maximum penetration. You need to move the dildo back and forth to increase pressure on posterior wall and maximize pleasure.
Set the right turning motion on the machine
The fucking machines Australia has today are adjustable and allow the dildo to rotate while inside your gentiles. This form of rotation gives you intense stimulation and enhances your orgasm. Take time and enjoy the feeling. When you feel that you are about to climax, adjust the speed to have harder, deeper and faster thrusts, that will give you a mind blowing orgasm. When you are done, lie down as your body cools down from the ecstasy.


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Hummingbird gardens are not just for the backyard. Golf courses and public parks are great places to create a hummingbird demonstration garden. Due to the availability of open space, water and plants, hummingbirds already tend to congregate in these areas. This can be taken one step further by creating a space with plant groupings, specifically meant to attract hummingbirds.
By definition, a demonstration garden is a space that is designed to showcase plants and/or attract specific wildlife. A hummingbird demonstration garden provides an oasis for hummingbirds and contributes to their conservation. An added benefit is that the garden serves as an excellent tool for educating the public, which makes them an excellent public relations tool as well.
Plant signage is an important element of the garden. The signs are relatively inexpensive and list the common name and scientific name of the plant. They draw in visitors and inspire them to create their own hummingbird garden at home. Creating a brochure that lists the plants and hummingbird species that visit the garden are also a valuable tool in promoting your demonstration garden.
Hummingbirds serve as important pollinators for many different plant species. Their diet consists of insects and nectar. A single hummingbird can consume thousand of insects and visit over 3,000 flowers. Hummingbirds are migratory in many areas. Some of the warmer climates have hummingbirds year round while more temperate climates see hummingbirds in the warmer months of the year.
There are three elements required for a hummingbird garden – adequate space, plants and access to water. The garden should be at least 700 sq. ft. and consist of four zones – trees, large shrubs, small shrubs and space. The location of the garden should be near enough for the public to observe the plants and hummingbirds. Supplemental irrigation should be available for the plants depending on the region you live in.
Trees in the garden provide shelter, nesting areas and shade for the hummingbirds. Plant selection is very important. Select flowering plants that will grow well in your particular zone and that attract hummingbirds; a simple search online will give you this information easily. When selecting plants, care should be taken that there are overlapping bloom periods so that are colorful flowers present throughout the entire growing season and will provide the hummingbirds with a long lasting supply of nectar.
Hummingbirds are territorial, so it is helpful to create different groups of flowering plants separated by large shrubs or trees. They are attracted most to red and orange trumpet-shaped flowers, although they do visit flowers of other colors. Native plant species should be used when possible since hybrids often contain little or no nectar.
A beautiful, low-maintenance garden is only one of the benefits gained by creating a demonstration garden. The presence of the garden contributes directly to the conservation of hummingbirds and provides the opportunity for people to observe them close up. They also serve as an educational tool in regards to what type of plants will attract hummingbirds. So, by creating a hummingbird demonstration garden you will reap the aesthetic and educational benefits while helping to conserve hummingbird populations.
Written by Noelle Johnson


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These diamonds are a baby's best friend! Teething toy is made of 100% silicone and is super soft and chewy. Soft, durable, dishwasher safe, freezer safe, and super simple to clean with an easy-to-grab design. A fun and practical way to soothe achy gums.
3 months and up.
*Please note the camera is neon orange, which is slightly brighter (and better!) than it appears in the image.


text: Art Deco Crown China Green Milk Jug & Sugar Bowl c.1933 Pattern 8890 Reg.No. 784772 £0.00 SORRY SOLD OUT Art Deco Royal Albert, Crown China pattern no.8890 milk jug and sugar bowl c.1933 Fabulous Art Deco styling with a geometric shaped handle on the milk jug and heaxagonal panels. Pale green bone china with gold bands, a white border and gold swag rims. 8 fl.oz Milk Jug and Sugar Bowl 12cm wide x 6.5cm tall. Back stamp: Royal Albert, Crown China, England. Pattern No.8890. Reg. No. 784772 UNT.KINGDOM Beautiful collectible Art Deco vintage china in excellent condition made by Thomas C.Wild, St.Mary's Works, Longton, Staffordshire, England. c.1933


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Report generated with Calculate by QxMD at https://www.qxmd.com/calculate
Over 400 decision support tools available • get the app for iOS or Android at qx.md/calculate
Carotid revascularization, via surgical carotid endarterectomy or carotid artery stenting, is among the most frequently performed vascular procedures, and is widely recommended to prevent future stroke. Such treatment is commonly performed for asymptomatic stenosis, where the risk of future stroke is low without intervention, so the potential benefit of intervention is much less than in symptomatic patients. When considering revascularization for asymptomatic carotid stenosis, patients and providers must weigh the up-front risk of surgery against the long-term risk of stroke, taken in the context of the patient's life expectancy. The best decision in this clinical scenario is revascularization for low-risk patients who will live long enough to benefit from surgery, and medical treatment for higher risk patients with shorter life expectancy. However, providers and policymakers have found it difficult to identify the key variables to inform these decisions, both in terms of the short-term risks of endarterectomy, as well as the long- term risks of stroke or death.
This multivariate model for predicting death within 2 years after CEA for asymptomatic ICA stenosis was developed by using a merged registry-claims dataset of more than 25,000 patients. The proposal and validation was conducted by Goodney et al., and supported by the Society for Vascular Surgery Vascular Quality Initiative.
Do you have an enquiry or suggestion? Get in touch with us through Twitter @QxMD, Facebook QxMD, or email email@example.com


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Your Payroll can easily be managed in Revel as long as you have your employees clock in and clock out for their shifts. You can see a detailed chart of your employees' wages and pay, as well as hours worked - all information that is calculated based on your time sheet rules. If you accept tips, the declared tip and non-cash tips can also be adjusted under Payroll as well.
- How to Use Payroll
- How to View Declared Tips and Non-Cash Tips
- How to Use Filters & Other Options in Payroll
How to Use Payroll
Payroll will give you a summary of your employee total hours and wages. If your establishment accepts tips, you will also be able to view your employee tips in this section. To view this data:
- From the Management Console [yourdomainname.revelup.com], navigate to the Schedules tab.
- Click Payroll:
- Using the calendar filter, you can adjust the timeframe for the payroll data you would like to see, using a standard range from Sunday to Saturday or input a custom range:
How to View Declared Tips and Non-Cash Tips
Declared Tips are used by Restaurants and Quick-Service Restaurant establishments to keep record of cash tips. When enabled, employees can input the value of cash tips received on the Point of Sale. Additionally, you can view any credit tips that were accounted for in the system, based on the information servers input upon completing a credit transaction; these will show as Non-Cash Tips.
To view either Declared Tips and/or Non-Cash Tips:
- First, ensure that tip reporting is activated on your Payroll report. To do so, navigate to Time Sheet Rules and, depending on your business needs, make sure that that Display Declared Tips in Payroll and/or Display Payment Tips in Payroll are activated:
- Click Save.
- Now, you can navigate to Schedules and select Payroll and any tip reporting should display. NOTE: You may have to scroll to the right to see the tip columns:
How to Use Filters & Other Options in Payroll
In Payroll, you can adjust the different options listed on the right to display the data by hours worked or by HH:MM. You can also filter the view by roles or departments. If you would like to change the date, select the Date Range on the top right of the page. Then select the desired week you would like to view.
|All Roles Drop Down
|Allows filtering of the Payroll report for specific roles or departments.
|Displays the data in either hours worked (3.5) or HH:MM (03:30) format.
|Date Range
|By default, the payroll report will be broken down weekly. If you want to change the week, please click the box and select the week you wish to view.
|Select Custom to select a custom time range. Then select the start date and end date.
|Show All
|Displays all employees, both inactive and active employees.
|Hide Empty
|Hides any employees with zero hours worked.
|Expand Roles
|Displays the roles of each employee and time worked in each role. For example if someone had two roles, waiter and bartender.
You can also choose to export a list of of your payroll data to save locally or to print, using one of the many export options:
For more information on creating or updating an employee schedule, please view our Shift Schedules guide.


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Will fit 1956 to 1968 with slight modification where connects to rocker. 1969 and on this is a dire..
Ex Tax: $191.06
Left Hand Floor Pan Half Karmann Ghia and 181 (Trekker) 1.0mm thick..
Ex Tax: $389.95
Rear Right hand lower guard repair panel VW Karmann Ghia..
Ex Tax: $187.41
Right Hand Floor Pan Half VW Karmann Ghia and 181 (Trekker) 1.0mm thick..
All of the Bolts and Pan Washers needed to replace one pan half. This set requires 2 kits per c..
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On 1969 or earlier Karmann Ghia's this channel will not match the floor to guard well supports. ..
Ex Tax: $221.57


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At Trillium Lakelands District School (TLDSB) we are committed to student engagement and achievement, staff engagement and development, and parent and community engagement. We strive to provide the best possible education and opportunities for our students in a safe and collaborative learning environment. At TLDSB we are truly, better together.
To register your child for a TLDSB school please print and fill out the appropriate:
Once the form is completed, please take the form to your child's school as soon as possible (Please note: all schools will be closed throughout the summer months. Secretaries will be back in schools the first week of September to accept new student registrations).
Encouraging lifetime learning for all ages. Students age 16 and over can earn credits or upgrade skills in any of our six Alternate Education and Training Centres. Complete a high school diploma, pursue a personal interest, explore new career options, or expand your knowledge and skills in a welcoming environment. Visit anewstart.ca for more information.
Parents who decide to provide home schooling for their child(ren) should notify the School Board of their intent in writing. Parents should provide the name, gender, and date of birth of each child who is receiving home schooling, as well as the telephone number and address of the home. This notification form should be completed each year until the child reaches the age of 18.
Please review the Ministry Policy/Program Memorandum No. 131 on Home Schooling.


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Disc Store - Disc Store LLC is the largest retailer of Ultimate Frisbee discs in the world and gaining quickly in the Disc Golf market. The company was started in a college dorm in 2008 with one box of Frisbees and has now grown to an 11,000 ft warehouse with 16 employees. Disc Store is ranked #4010 on the Inc 5000 and #19 in Nebraska as one of the fastest growing U.S. based companies. Website: DiscStore.com
DiscAce.com - DiscAce.com is the second largest retailer of Ultimate Frisbee discs in the world. It was started in Texas in 2006 by an Ultimate Frisbee fan and acquired by Extra Mile Sports LLC in 2016. Website: DiscAce.com
DiscGolfBaskets.com - The domains for DiscGolfBaskets.com and DiscGolfBasket.com were acquired in 2016. The current websites are designed to rank well on search engines for the popular search terms "Disc Golf Baskets" and "Disc Golf Basket". The company also manufacturers their own baskets by container load under the company name Disc Golf Baskets LLC. Website: DiscGolfBaskets.com
Disc Member - DiscMember.com is a monthly subscription box serving the Ultimate Frisbee and Disc Golf communities. It was launched in July of 2017 and quickly gained 1500 subscribers within the first month. It continues to grow today. Website: DiscMember.com
Omaha Print Shop - The Omaha Print Shop is a screen printing, sublimation, embroidery and promotional product printing shop serving the Omaha, Nebraska community. It opened in 2012 as Extra Mile Apparel Printing and rebranded as Omaha Print Shop in 2017. Website: OmahaPrintShop.com
Bikes Xpress - Bikes Xpress LLC is an online retailer of bikes and bike accessories specializing in electric bikes. BikesXpress.com ranks very well on search engines for searches related to electric bikes and top electric bike brands. Bikes Xpress was acquired in 2017 from a Florida company. Website: BikesXpress.com
PolishHorseshoes.org - PolishHorseshoes.org is an informational website and retail outlet for the great American yard game, Polish Horseshoes. The website was built in 2018. Website: PolishHorseshoes.org
CornholeGame.com - CornholeGame.com is a retail website providing equipment for the game of cornhole, also known as the bean bag toss game. The domain was acquired in 2018 and is designed to rank well for the search term "Cornhole Game" which gets over 30,000 monthly searches. Cornhole Game provides top quality cornhole boards and bags at the best prices online. Website: CornholeGame.com


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Learn more
In this day and age when people's desire and capability for travel and recreation have reached greater heights, the hospitality industry's demand for skilled professionals is experiencing parallel growth. If you have a passion for people and service, this program might just be best for you. A degree in BS Hospitality Management will equip you with solid foundational knowledge in the field, managerial skills, and educational tools essential from theory to practice. You will also be honed in terms of communication, interpersonal and organizational skills, as well as technical skills such as food and beverage preparation and service, supply chain management, lodging operations, and foreign language, among others.
Goal & Objectives
The Hospitality Management (formerly Hotel and Restaurant Management) Program aims to develop the skills and knowledge of the students to a career path toward management in the food service industry and hospitality. The program includes a strong management component which encompasses problem-solving, forecasting, and human resource management.
- To enhance the students' learning through an interdisciplinary subject exposure and management applications;
- To provide the fundamental knowledge and skills required to prepare an individual on management positions within the hospitality industry;
- To demonstrate entry-level skills related to selling and marketing principles;
- To recognize the vital role of the program's performance-based training in promoting standard of excellence required in today's business world; and
- To produce graduates with a broad base of management and technical skill which enables them to immediately be productive in the industry.
Career Opportunities for Hospitality Management
- Hotel Manager
- Restaurant Manager
- Chef
- Bartender


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The Matrix Pneumatic can run up to twice the speed of our standard systems. Printers can laminate work even faster to get the job finished and back to the customer.
Pneumatic pressure rollers allow you to laminate certain substrates up to 50% quicker, saving both time and cost. The Matrix can be purchased as a complete system, or as a modular retrofit for the multilingual MX-370 and MX-530.
The Pneumatic option is produced in Britain which shortens our supply chains and lead times. We've used the highest quality components within the systems, including Omron switches, Schneider electrics and British built Bambi compressors.
The Matrix is designed to help breathe life into your business by allowing you to provide your customers with a service you previously had to outsource.
The best value single-sided laminator on the market, is simple to use, easy to maintain, quick and reliable.
Great for use in
Ideally suited for
Delivery is free in all orders over £100.00 on delivery to mainland United Kingdom. Any order under £100.00 there will be a £9.95 Carriage Charge applied (Excluding VAT).
We can offer Same Day, Next Day AM, Overseas Services also, please phone our sales team on 01324 473 233 with you address details to calculate an accurate price for order.
Some of the larger equipment will have to be delivered on a pallet again we will confirm a cost dependant on the size, weight and delivery location.
Payment Options
The new CLC Online Shop allows our customers to purchase goods online. All online transactions require a credit or debit card.
CLC also take orders over the phone on 01324 473 233. We usually take a card payment from all new customers, and thereafter give our customers the options to apply to set up a credit account for all future orders.
Once you have received your order, you can return any item for an exchange or refund. The returned good must be unused and returned in the original packaging and in a re-saleable condition within 7 days of receipt of your goods. Please note that all returned items will incur a 20% handling charge (unless returned due to fault or damage).


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Cover Reveal for THE HIDDEN CODE! January 17, 2019 – Posted in: Uncategorized – Tags: book birthday, books, children's books, Cover Reveal, librarians, MG, PJ Hoover, teen
We announced not long ago that we have a new P.J. Hoover book in the pipeline for Fall 2019, and now we have the cover and blurb to share with you!
Eleven years ago, Hannah Hawkins' parents disappeared while traveling abroad. Presumed dead, Hannah and her uncle are shocked when a letter from her mom arrives right after Hannah's sixteenth birthday. By piecing together cryptic hints from the note and other clues left behind, Hannah realizes her parents disappeared while trying to find the mysterious Code of Enoch. An artifact they believed could hold the key to curing disease—or creating it—Hannah's parents had been determined to destroy the Code, no matter the cost. Now with the help of her uncle, her best friend, and another cute but not entirely trust-worthy guy, Hannah sets out to discover what happened to her parents and if the Code of Enoch is real.


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Grand Opening of Toledo's 1000 Degrees Neapolitan Pizza
***Grand Opening & Free Pizza Day for 1000 Degrees Neapolitan Pizzeria of Toledo, Ohio, Thursday, April 13th 2017**:
Please join us in celebrating the Toledo, Ohio 1000 Degrees Neapolitan Style Pizzeria (located at 5380 Monroe St, Toledo, Ohio, next to Verizon Wireless) Doors open at 11:00 AM this coming Thursday for FREE pizza for all and a chance to win free pizza for a year!
The first 10 customers in the door will win FREE Neapolitan style Brick oven Pizza once a week for a year, and EVERY CUSTOMER that joins us from open to close will receive a FREE custom made 10" Neapolitan Pizza of their choice (while supplies last!)
We also will be picking 10 RANDOM pizza lovers throughout the day to give 52 FREE pizza cards, good for 1 free pizza per week for one whole YEAR! Thursday, April 13th, all day & night while supplies last at the New 1000 Degrees Pizzeria of Toledo, OH, located at: 5380 Monroe St, Toledo, Ohio next to Verizon Wireless.
At 1000 Degrees we strive to bring you the "Best Pizza Around" by using real "tipo 00 style" flour to make our authentic Neapolitan thin-crust, or Roman thick-crust dough, which is hand-tossed, never pressed. We are proud to use the best whole milk Mozzarella cheese, as well as Burke farms premium brand meats and the freshest veggies available. We also offer some fantastic "Fire Roasted" Wings, Salads and more.
It's time to enjoy pizza your way! Either Create your own custom Neapolitan thin crust or Roman style thick crust pizza choosing from over 50 toppings, fired to perfection in just 2 minutes, or order one of our shop favorite pies!
***Like our page and Share this post and Tag at least 5 friends to enter to win a $25.00 1000 Degrees Gift Card!***
Press Release Contact Name: Jamie Orians
Press Release Contact Email: email@example.com
Press Release Contact Phone: 419-725-0100
Organization Name: 1000 Degrees Pizza
Website or Link: www.1000degrees.com
Organization Address: 5380 Monroe Street, Toledo, OH, 43623


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Virtual Reality: Virtual Indexes That Aren't and Real Cardinality on Explains - D08
Topic: 2012 NA
Subtopic: DB2 for LUW
Have you ever wanted to try one or more new indexes to see whether the optimizer would use them effectively? But, you don't always have the resources or the time to create the index. Or, perhaps you are
dealing with a huge production table that you can't just go creating "test" indexes in. In this session you will learn how to create virtual indexes and run the explain to see how the index is used.
Estimated cardinality is one of the most important statistics on an explain to look at when trying to figure out why the DB2 optimizer made the choices that it did. But, what if the estimates that DB2 has made are inaccurate? Come learn about "section_actuals" and how to combine the execution of a query with the explain in order to see the actual cardinality for each step of an explain. Large mismatches between estimated and actual cardinality can often provide a major clue when tuning a difficult query.
Click Here to Download
NOTE: These are only open to members of IDUG. If you are not a member, please CLICK HERE for more information.


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Sunnydaze Pink Mercury Glass Solar-Powered LED Lighted Lantern Jar, Set of 3
This set of 3 pink outdoor solar lighted jars will add instant fun and cheer to any outdoor space. Use them for parties, summer holidays, as centerpieces, or as an extra decorative element to your outdoor evening entertainment. The jars feature glass construction, and stainless steel tops with amorphous solar panels built into the lid. Each light includes 1 string of 5 warm white LED bulbs, and a 1.2 volt 600 mAh AAA Ni-MH rechargeable battery. The light will remain lit for 6-8 hours on a full charge, perfect for enjoying an evening outdoors.
Features of the Pink Jar Solar Light Set:
- Overall dimensions: 3" Diameter x 5.25" H (8.5" including handle); 0.8 lbs per jar so they are the perfect size for an outdoor table, or hang from a hook, tree or pergola with the handle.
- Features 3 glass jars with stainless steel top and metal handle that is sure to add an ambient glow to any outdoor space.
- Includes 3 light jars, each jar has a 0.07 Watt, 2-lumen string of 5 warm white LED lights, (1) 1.2 volt 600 mAh AAA Ni-MH rechargeable battery, and an amorphous solar panel top.
- Kelvin color temperature is 4500-6500K.
- Use the light switch on the bottom of the cap to turn the light switch on and off. Light illuminates in the dark only.
- Solar energy charges the batteries during the day. Batteries will power the lights for 6-8 hours on a full charge.
- Sunnydaze Decor backs its products with a 1-year manufacturer's warranty for worry-free purchasing.
Related products
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Sunnydaze Striped Solar Lantern Glass Jar Light with White LED String Lights, Set of 3
Sunnydaze Red Ombre Solar Warm White LED Lighted Lantern Glass Jar, Set of 3
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Sunnydaze Striped Solar Lantern Glass Jar Light with White LED String Lights, Set of 3
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Sunnydaze Black and White Heavy Duty Outdoor Drink Holders


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5 out of 5 stars with 30 reviews.
Our web site was a mess and not mobile friendly; our Google ad words were ineffective, and we had poor social media presence. M5 Design Studio, an Orlando web design company, has fixed all of these issues for us, and we could not be more pleased with the results. Would highly recommend M5.
We have worked with M5 Design Studio for over eight years and can't say enough good things about their quality, design style, and professionalism! I highly recommend M5 for any project – big or small!
Copyright © 2020 M5 Design Studio All rights reserved | Contact: email@example.com | 407-968-6296 | 121 South Orange Avenue, Suite 1500, Orlando, FL 32801 USA .


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All rooms are excellently clean and look as fresh as if they were just furnished, which is one of the outstanding features of this hotel. They are all twin-bedded, with one double bed and one single bed, hence, the total capacity is three persons. Out of the 14 rooms in total, the hotel has eight Economy rooms and six Standard rooms with air conditioning.
The rooms come with a private bathroom-cum-toilet, large windows and either a private or a communal balcony. The windows are shielded with nets to keep away mosquitoes or other notorious insects. During power outages, an inverter powered energy saving CFL lamp can be turned on.


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One of the busiest junctions in the area is the one at Marton crossroads, at the corner of Stewart Park, yet the traffic lights controlling traffic travelling from the direction of Marton towards Middlesbrough are not functioning correctly. And this appears to be confusing the vast majority of motorists who are ignoring the red signal.
This could easily become dangerous as drivers become impatient. I am sick of drivers sounding their horns and/or putting two fingers up at me (and other drivers) when I insist on remaining stationary until the green signal appears.
The problem is caused when the lights have been on red for traffic travelling towards Middlesbrough then the signal on the outside lane changes to a green arrow for traffic to travel either straight ahead or to the right towards Ormesby.
However, the signal controlling the inner lane of the two remains on red for about three or four seconds, but most people simply ignore it and those I have spoken to seem to think the red signal relates to the left filter lane only. That is not correct.
I have written to the police who, in turn, had a site meeting with the Middlesbrough Council's Engineers' Department and it was agreed that all signals for traffic travelling north into Middlesbrough should change to green at exactly the same time.
As a result of the meeting I can confirm that the signals will be rectified as soon as possible.
In the meantime, I would like to suggest a little extra care and patience is called for.
GEORGE KIRBY, Marton


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Our Captains Provide the Best Florida Keys Fishing
From battling high-flying sailfish in the waters of the Atlantic to stalking shallow water flats in search of world-record bonefish, Florida Keys fishing and fishing charters in the Florida Keys are all about variety—and even more about catching big fish. Hawks Cay Resort, in the Middle Keys, is the premier Florida Keys fishing destination and home to Hawks Cay Marina which has the most knowledgeable and friendly Florida Keys fishing captains and guides with a complete fleet of both inshore and offshore fishing charters.
Boxed lunches are available for order for your day on the water.


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AS WE reported in 2012, one of the proposals in the draft Memorandum of Understanding (MoU) at that time was the establishment of an "Asset Management Company" (AMC) or 'bad bank'.
A ' bad bank' is a bank set up to purchase bad loans from financial institutions with non-performing assets. By selling its bad assets, the financial institution clears its balance sheet of toxic debts and enables it to focus on its core business of lending. The bad bank focuses its attention on maximizing the return from the high risk assets it has purchased.
The MoU suggested that "Transfers will take place at the real (long-term) economic value of the assets as established on the basis of a thorough asset quality review process, drawing on the individual valuations used in the due diligence exercise."
The most notable bad bank in the EU is NAMA (National Asset Management Agency), which was set up by the Irish government 2009. Its aim was to address serious problems that hit the country's banking sector as the result of excessive property lending. NAMA acquired land and development and loans with a nominal value of €74 billion and was funded by the government.
However, the Cyprus government didn't and still doesn't have the financial resources to set up a bad bank and purchase non-performing assets.
But the government has not rejected the idea of a bad bank completely.
On Tuesday Cyprus finance minister Harris Georgiades said that he considers a bad bank "useful" but there are a number of unanswered questions on how it would be funded, adding that "Right now there is private-sector funding, and perhaps the prospect of raising private cash to fund such a vehicle should be explored."
Readers' comments
Comments on this article are no longer being accepted.
Until such time as every bank in the western world acknowledges all of it's dodgy practices and reckless lending – there will be no change.
Until such time as government has more power than the banks they are attempting to 'regulate' (LOL) – there will be no change.
Iceland managed it.
Cyprus can manage it. Anywhere can manage it – you've just got to want the change.
And there lies the problem. You only have to look at the daft PR stunts and hollow & stale rhetoric being thrown about in the run up to the May 7th elections in the UK to see how hard it is for some to acknowledge the REAL change needed.
How true, Janine! Cyprus could do with some really good banks.
Let's see what we've got to offer: HSBC? No. RBS? No. Co-op? No.
Sorry, it seems most are corrupt to some degree and have been heavily fined by regulating authorities like the FCA for fixing the LIBOR rate or mis-selling insurance or other malpractices.
There are plenty of bad banks in Cyprus already! Rather than set up another bad bank, set up a proper land registry (with minimal admin fees, no taxes) to at least record the rightful owners of land and property.
Restructured loans have to be affordable, and that means writing off any amount above the current value of the property. Then we can all move on. We do not need another bad bank!!
The views expressed in readers' comments are not necessarily shared by the Cyprus Property News.


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How to Add Credit Card Accounts in QuickBooks
Once you finish your initial company setup with Express Start, you can add credit card accounts to your chart of accounts. To set up credit card accounts for cards your company uses for purchases, follow these five steps.This feature works the same in versions 2011–2016 of QuickBooks.
- On the Home page, in the Company panel, click Chart of Accounts.
- In the Chart of Accounts dialog box, click Account and select New.
- In the Add New Account: Choose Account Type dialog box, select Credit Card and click Continue.
- In the Account Name field, type the credit card name.
- Click Save & Close.


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Memphis is agog over Hamilton this week, but I ended up at Hadestown on Broadway instead. Tennessee Shakespeare Company has an annual gala fundraiser every year, and the grand prize is a raffle for a trip to Broadway. I had one one book from the old Pinocchio's Bookstore when I was maybe in 3rd grade, but otherwise I've never won a raffle. Apparently I was saving it up for something big. The prize was a trip to New York, two nights there, a fancy dinner out, and one Broadway show (not something as hard to get as Hamilton). I had recently seen Sarah Ruhl's version of Euridyce and was transfixed by her retelling, so (without Shakespeare being really on offer during the summer tourist season), I chose Hadestown, a different retelling of the Orpheus and Euridyce myth in the form of a folk opera. It was also marvelous. Not as deeply thoughtful as Ruhl's version, which I'm still really mulling over a year later, but a wonderful take nonetheless. It paired that couple with Hades and Persephone. The music was overall good, the dancing and choreography amazing, and I thoroughly enjoyed it and would love to see it again. My favorite was Hermes, an older gentlemen who looks like he walked straight off of Beale Street. My favorite thing about the play, and what is sticking with me, is the way it walks full tilt into tragedy, lets us mourn, and picks all of us up and says we keep singing the song, telling the story, and trying again.
Graphic essay
Here are several sketches I did at the time in my sketchbook that I've pulled back out as reference material. Watch this space for more to come. If I can't find it a home, I'll put it on my own website.
Night on Beale
What do you do when you have music fans visiting Memphis? You take them to Beale Street. And when you're really lucky, you'll spot Blind Mississippi Morris wheeling his amp toward a club, holding onto the arm of his "manager," as he calls her in air quotes. It was a fantabulous night with legit, old school Delta blues and an out of this world bass player.
The Memphis Symphony did an unusual concert last night. Our new conductor Robert Moody noticed striking parallels in the devil at the crossroads stories of Stravinsky and Robert Johnson and decided to do a mashup. He used a chamber group and brought in bluesman Vashti Jackson to both be narrator and to play Johnson's blues interspersed with the Stravinsky pieces. There was also dancing and and an actor and film bits shown as well. It sounded a bit bizarre, but it really worked. My companion noted that both musical forms have a strong percussiveness.
I had hoped to mix some ink that would be a lighter flesh tone in a brush pen (those are hard to mix in the dark of a theater), and I tested it at the top right before going. It was a sad failure and ended up both grainy and with the turkey basting quality of old TCM colorized films. I ended up just doing a series of line drawings in various pens, though I did add in the red suede shoes and matching tie of Mr. Jackson. It was a fun night.
More Inktober
I've been mostly DOING Inktober even though I've been bad about posting here lately. Most days I've managed one ink sketch, but the majority of my work this past week has been tons of computer work (taking my attention from scanning for other purposes) to get the Mr. Darcy Goes Home book and the related counting book ready to send out. I've got a mid November deadline to be able to submit to my dream publisher without needing an agent first, so I'm working flat out to get it ready. I'll show a couple of reject sketches from that process here, but for now, a few more Inktober sketches to show what I've been up to around the edges.
Above is the Side Street Steppers. Below is one sketch as I was stopped at a train on my way to a printmaking demonstration at Dixon (I'll be doing several more of those) plus a quick sketch waiting in line at Home Depot, buying materials to shore up my floor to receive the type cabinet (see the last blog post).
Plus I always enjoy drawing treats, as a way to keep enjoying them, and also remember nice days I've spent with other people. Here is one of those, just to round things out.
Side Street Steppers
Side Street Steppers Addendum
I was going to post this with the sketches from seeing this band, but I decided that would be too much to load on one page. I usually just talk about art here, but Christian called me up from the audience last night and had me play and sing a song. It was such a rush to get to play with a great band, one I admire, and music feeds my artwork. It's nice to have that energy going back and forth. So I decided for once to put a little music up on this blog as well. Usually I just play for fun on Mondays in a friend's back living room, but I really had a good time sitting in with these great folks. The bonus is I got really exited about playing and learned three new songs in the week since. Creative energy is always welcome.
People at the Sunday Market
Bill and the Belles
I got to go to a great house concert over the weekend. My banjo mentor had seen a group from Johnson City called Bill and the Belles and liked them enough that he arranged for them to play in Memphis when they were passing through on the road. They were marvelous. Old time swing, lots of songs from the teens and twenties, a good dose of Jimmie Rodgers, and a bunch of new songs that sound delightfully old. As usual, I sketched as well as listening. This group is used to artwork too. They're the only band I know that has an original linocut of the group for sale along with the usual cds and stickers. It was as old timey as they are, so of course I came home with it, along with my own sketches.
Banjo girl print underway
One of the great things about Christmas being over is that now I once more have time to make art for myself. I love commissions, but I have a backlog of ideas that I am now champing at the bit to get to. Steady readers of this blog will remember this block from back in October. I had meant it to be a single, black and white (or brown and white) image, but I began to wonder about putting color behind it. I've carved a second block, and yesterday was its first test run. I have to fix places where the color drops down into the figure, and I'm doing a bit more refinement as I go, but it's close to what I want. The orange definitely amplifies the 70's vibe it already had, but I'm a child of the 70's, so that works for me. I'm hoping it conveys the joy I feel when I play music.
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Martha Kelly is an artist and illustrator who lives and works in Memphis, Tennessee.
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March 2020


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During the 2016 election cycle, Senator Bernie Sanders had quite a following. But he didn't get the Democratic Party nomination because of the power and corruption of the Clinton's.
Four years later, Senator Bernie Sanders is again surging in popularity among the useful idiots. Bernie Sanders is an avowed socialist and has no business being in the government, let alone the White House. But he has a greater chance at getting the 2020 Democratic nomination.
Time will tell if his popularity increases after the Iowa Caucuses and the New Hampshire Primary. If Senator Sanders wins both of these contests but doesn't get the nomination. Then there may still be some hope for the Democratic Party. It will also mean that the corruption within the party runs very deep.
If Senator Bernie Sanders is the nominee for the Democratic Party then it will be an interesting Presidential election cycle. And a strong contrast between capitalism and socialism.
In the end though President Donald Trump will be re-elected in a landslide victory. Winning both the popular vote and the Electoral College by wide margins. And we will have four more years to save the Republic.