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Finding a Top Financial Advisor Firm in Des Moines, Iowa
SmartAsset created this list of the top financial advisor firms in Des Moines after in-depth research and analysis. In tables and in reviews below, we highlight what each firm charges in fees, what its minimum account balances are and how it invests client assets. To find an individual advisor, use SmartAsset's financial advisor matching tool, which will pair you up with financial advisors near you based on your needs. For information on every advisor in your area, explore SmartAdvisor Match.
|Financial Advisor
|Assets Managed
|Minimum Assets
|Financial Services
|More Information
|Gilbert & Cook, Inc. Find an Advisor
Minimum Assets$1,000,000
Financial Services
|Legacy Financial Group Find an Advisor
Minimum AssetsNone
Financial Services
|West Financial Services, LLC Find an Advisor
|No set account minimum
Minimum AssetsNo set account minimum
Financial Services
How We Found the Top Financial Advisor Firms in Des Moines, Iowa
Any firm that is registered with the U.S. Securities and Exchange Commission (SEC) and operates in Des Moines was considered for placement on this list. However, firms that had no financial planners, had disciplinary issues on record with the SEC or didn't manage individual accounts were eliminated. The remaining firms are listed below, ordered from the most assets under management (AUM) to the least.
Gilbert & Cook
Gilbert & Cook, Inc. is an independently-owned advisory firm based in Des Moines. It currently holds more than $400 million in assets under management with an investment-advisory team of just eight. The firm offers financial planning and consulting as well as individual investment advisory services.
According to recent filings with the SEC, the firm primarily works with individuals, most of which are in the high-net-worth category. In fact, you need a minimum initial investment of $1 million to receive investment advisory services from Gilbert & Cook.
Some representatives of the firm, however, are registered to sell certain securities and may earn commissions from such recommendations. This may pose a conflict of interest. Nonetheless, the firm works under the fiduciary standard, so it's required to place your best interests ahead of its own.
Gilbert & Cook Background
Gilbert & Cook was founded in 1994. However, it has been an SEC-registered investment advisor since 2006. The firm is owned by Marlis A. Gilbert, Linda Lundstrom Cook, and Christopher C. Cook.
The firm charges asset-based fees that can range to up to 2.25%. Financial planning fees can range from $150 to $28,000 on a flat basis. Hourly rates, however, can't extend beyond $350 per hour. But unlike some of the firms on this list,Gilbert & Cook offers more specific services such as divorce planning.
In addition, the advisory staff collectively holds six certified financial planner (CFP) designations. The team also features certified divorce financial analyst (CDFA), certified public accountant (CPA), accredited domestic partnership advisor (CDPA), and accredited wealth management advisor (AWMA) credentials.
Gilbert & Cook Investment Strategy
When it comes to its investment advisory program, Gilbert & Cook works with Charles Schwab & Co. Inc., an SEC-registered financial services firm. It finds independent money managers for you to work with through Schwab Advisor Services. Gilbert & Cook also considers the right investment management style for you. It aims to find an appropriate match based on several factors including the following if its applies to your situation:
- Risk tolerance
- Time horizon
- Retirement plan
- College savings plans
- Other available sources of income or assets
- Projected Social Security benefits
- Liquidity needs
Gilbert & Cook also monitors the performance of these managers on an ongoing basis.
Under the Managed Account Select Program, clients have access to the Schwab Center for Financial Research and access to a range of prescreened money managers across various investment styles. Account minimums through this program are $100,000 for Stock/Equity Managers and $250,000 for Bond/Fixed Income Managers.
The truly hands-on investors may be interested in the Managed Account Access program. This allows clients to work with various money managers and conduct their own research through a bundled program. According to Gilbert & Cook, this option includes "single contract structure, low account minimums, bundled fees, manager and strategy flexibility and variety, performance reporting and managed account tools and resource."
Legacy Financial Group
Legacy Financial Group , LLC
The Legacy Financial Group is an SEC-registered advisor that first opened its doors in 2010, making it one of the youngest firms on our list. But in its short spree, it has accumulated more than $300 million in assets under management (AUM).
And unlike several advisors, Legacy Financial Group specializes in actively managed portfolios. In other words, the firm generally considers asset allocations that aim to outperform market benchmarks.
Legacy Financial Group
Legacy Financial has been in business since 2010. The firm is wholly owned by Spectrum Wealth Advisors. However, the firm serves in a fiduciary capacity. This means it is required by applicable law to place the best interests of the client ahead of its own.
The firm's staff includes one certified financial planner (CFP). This title is considered a major credential in the financial advisor space. To earn one, you must go through a series of rigorous examinations and training.
Legacy Financial Group Investment Strategy
Legacy Financial focuses on actively managed investment portfolios. This strategy involves utilizing research, analysis theories and other resources to select investments that may have potential for major return.
According to recent documents the firm has filed with the SEC, "The Adviser believes that a portfolio should be diversified, and excess returns can be achieved by overweighting undervalued asset classes and investment styles."
Unlike passive management strategies, active investing aims to outperform a market benchmark as opposed to mimicking it. However, such investments are generally more heavy on the fee side.
At Lincoln Financial Group, you'd be charged an asset-based fee for investment services. The maximum is currently 1.25% of your assets under management. These fees are billed quarterly on a pro-rata basis. Fees for financial planning generally range from $150 to $250 an hour.
West Financial Advisors, LLC
A fee-only firm, West Financial Advisors, LLC has six financial advisors on staff. The team collectiveley features three certified financial planners (CFPs), one chartered financial analyst (CFA), three certified public accountants (CPAs), and one retirement income certified professional (RICP).
Individuals and their spouses make up the majority of this firm's client base. More specifically, the firm serves new parents, active retirees, empty nesters, entrepreneurs, strong women and emerging executives. The firm does not have a set account minimum. However, the firm is focused on serving high-net-worth investors, defined as households with a least $1 million managed by the firm or individuals with a net worth exceeding $2 million.
West Financial Advisors, LLC Background
Husband and wife financial advisor duo, CIO Brian West and managing partner Laura West, independently own West Financial Advisors, LLC. The firm was founded in 2006, but its advisor team has an average of more than 18 years in the financial industry.
This firm manages portfolios for many different types of clients and its offered services are equally as diverse. The firm's most used services are financial planning, retirement and estate planning, insurance evaluation and tax minimization. Depending on what's easiest for you, the firm will hold meetings with clients either in-person or online.
West Financial Advisors, LLC Investment Strategy
Before the portfolio construction process can begin, West Financial Advisors, LLC likes to make sure that it knows exactly what your desired investment style is. To do this, the firm will schedule a face-to-face consultation to learn about your risk tolerance level and time horizon. These guidelines are then taken into consideration to figure out how your portfolio will be diversified across asset classes.
This firm enagages in active management and believes that rebalancing your account according to market changes as important as designing your original asset allocation. But because success can be defined in more than one manner, the firm uses previous performance benchmarks to determine how well your portfolio is performing.


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Merry Christmas! I hope you had a great day and were thoroughly spoiled. The next big occasion will be New Year's Eve. I'm flying to Ireland to celebrate so I've sorted my outfits already which you can check out on my Instagram page @wonky_lauren. I wanted to share some of my past looks that I think would be perfect for New Year's Eve wear. Let me know what you think!
New Year's Eve Outfit Ideas
Tuesday, 27 December 2016
Labels: asos, christmas, fashion, instagram, ireland, looks, new look, ootd, primark, style, topshop, trends, Wonky Lauren
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Morning Laboratory Orders in Admission Order Sets: A Lovehate Relationship
Meeting: Hospital Medicine 2012, April 1-4, San Diego, Calif.
Abstract number: 97588
Use of computerized provider order entry (CPOE) is on the rise in U.S. hospitals. Order sets are often used in CPOE systems to facilitate efficient order entry; many order sets contain orders for laboratory blood tests. Use of these sets may result in increased utilization of laboratory blood testing, which can cause iatrogenic anemia and add to soaring healthcare costs.
This study was approved by the Institutional Review Board. A link to an online survey was emailed to 135 residents, hospitalist team members, and nonhospitalist physicians in the Department of Medicine at an academic medical center that has been using Meditech for CPOE since 2003. Most admission orders are entered using order sets, all of which contain orders for morning laboratory tests. The survey consisted of six Likerttype questions assessing opinions about the inclusion of morning laboratory orders in admission order sets, and a space for comments.
Response rate for the survey was 46%. Responses were received from 22 residents, 18 hospitalist physicians, 6 hospitalist midlevel providers, and 15 nonhospitalist physicians. 61% of responders agreed or strongly agreed that having morning laboratory test orders in admission order sets can lead to unnecessary lab testing. 26% said they delete these lab orders about half the time, usually, or always. 52% disagreed or strongly disagreed that removing morning lab test orders from admission order sets would compromise patient care. However, 61% thought it was useful or very useful to have morning laboratory test orders in admission order sets, and 64% agreed or strongly agreed that they improve their efficiency. Only 31% agreed or strongly agreed that morning laboratory tests should be removed from admission order sets.
Although having morning laboratory test orders in admission order sets may lead to unnecessary laboratory testing, it can also improve efficiency in patient care. Strategies should be considered to manipulate order sets and CPOE systems in ways that will promote wise use of resources without hindering efficiency.
To cite this abstract:Knight A, Thakkar R, Riedel S. Morning Laboratory Orders in Admission Order Sets: A Lovehate Relationship. Abstract published at Hospital Medicine 2012, April 1-4, San Diego, Calif. Abstract 97588. Journal of Hospital Medicine. 2012; 7 (suppl 2). https://www.shmabstracts.com/abstract/morning-laboratory-orders-in-admission-order-sets-a-lovehate-relationship/. Accessed April 7, 2020.
« Back to Hospital Medicine 2012, April 1-4, San Diego, Calif.


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TULSA -- Private schools may be in session, but they are still affected by the state funding crisis.
Many private institutions base their pay off public schools, so they are keeping a close eye on what is happening at the Capitol.
Chief Financial Officer for Cascia Hall Karen Tennery said, "Generally in the past, we have followed the tps salary scale, but that's generally just a guideline. We're not bound by that as a policy."
Teachers at Cascia Hall, a private school in Tulsa, make the same salary as teachers in Tulsa Public Schools. Tennery said, "That's not always the case, but there are other private schools that do that."
The CFO says it keeps an even playing field for teachers. And although Cascia teachers get paid roughly the same amount as Tulsa Public School teachers, one of the big differences is accessibility to resources.
Tennery said, "We try to provide the resources in the classrooms that they need. We try to provide the equipment that they need, the textbooks, the other resources. I think that's one of the other things the public school teachers have said that they need, and I think we do provide those."
Schools like Cascia Hall are keeping a close eye on what's happening to state funding to possibly take the lead of TPS financially.
Tennery explained, "We are talking about what our plans are going to be. We haven't finalized those, but we are discussing that with our teachers. We're keeping them informed. We're letting them know that we are concerned. That we want to do the best for them."
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Mitofusin-1 (MFN1) is a mediator of mitochondrial fusion. This protein and mitofusin 2 are homologs of the Drosophila protein fuzzy onion (Fzo). Mitofusins are large predicted GTPases located in outer mitochondrial membrane. They are essential for outer membrane fusion by interacting with each other to facilitate mitochondrial targeting. The mitofusins are the first known protein mediator of mitochondrial fusion, and mediate developmentally regulated post-meiotic fusion of mitochondria. Mitofusin 1 and mitofusin 2 are ubiquitinated in a PINK1/parkin-dependent manner upon induction of mitophagy(PMID: 20871098).


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The story of Talagao was started with two queens, who were the devotees of Shiva, their love and imagination towards shiva has compelled the kings, to build a pair of unique elegant temples. These stunning temples located at 30 km from Bilaspur, posses unending stories through the partially eroded stones.
The placid Maniyari river behind the temple and huge old trees create a pleasant aura in the complex. Somehow the temple has survived the ravage of the past, but most of the shapes of statues are disappearing along with their stories too.
Jethani temple
Jethani temple or Elder sister-in-law, is on the ground level and bigger than Devrani temple, most of the temples are falling apart and placed depressively. But looking at it gives you the idea how magnificent it would have been in its time.
Both the temples are made up of red stones, Jethani temple has three gates in east, west and south, the main gate is in the south direction, an entrance for the Garbhgrih and mandap, Shiva statue was situated here. Its architecture is laden with various animals, birds and flowers, depicting some mythological stories. As there is barely any written evidence of its ancient history.
I found some astonishing structures, one is pillars standing firmly on kubhs crafted with stones while the top of the pillar consists of Amalaka resting upon a vase, wide stairs leading up to the Garbhgrih, mighty elephants on each gate represents the power and prosperity, few big stones decorated with the lotus design, which is taken as the logo of the Guru Ghsidas University.
Devrani Temple
For many years, beautifully crafted Rudra-shiva statue was hidden inside Devrani temple, later on local people found lying on his belly. Some Britisher studied the idol, They found a unique aggressive form of Siva, but was not confirmed until they got a narrow water passage in the north direction., which is only found in Shiva linga.
The temple has three parts, Garbhgrih (inside), Antaral (passage) and Mukhmandap (door). The Mukhamandapa has a beautiful doorway, depicting the river goddess. The door is covered with patterned rectangular borders and the artistically carved flower designs. There are several carving of Shiva and Parvati which are partially broken. On the top of the door headless Vishnu can be seen along with the goddess.
Rudra-Shiva idol
The mystic idol of Shiva, is associated with all the Eleven zodiac (Rashi). Each species in the body parts represents one zodiac sign. Also the idol is a form of Pashupatinath (god of animals). The immeasurable imaginations of the 6th Century artists, is still a mystery.
Temples have mostly weathered with time, although Rudra idol is in better shape. Talagao is not just a place of temples, but also a mesmerising natural destination. Also an array of new temples has been established with time, which forms a spiritual aura in the Talagao.
Best month to travel
As there is no specific moth, but monsoon and winter are the best to reach here. Also in Savan Period, August month people gather here to worship Shiva, it's like a big festival.
How to Reach
Devrani-Jethani temple is 30 km away from Bilaspur, in the Bilaspur Raipur road.
- Bilaspur is crowded with auto rickshaw, Ask to Talagao. Amerinakapa village or Devrani Jethani temple.
- Buses are available up to the Bhojpuri village, then again take a auto or walk 5 km in the village.
Nearest railway station: Bilaspur railway station
Nearest airport: Raipur airport (Mana)


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Visa Developer webinars gives you the chance to learn about APIs, new products and payment trends. Learn from Visa experts and developers.
As cities become more and more connected through technology, new business and service models will pop up, creating the Smart City of Tomorrow. We want you to be able to build towards this future of connected, digital payments.
In this interactive webinar, the Visa technology team will walk you through how to get started on our developer platform. Learn about credentials, where to find sample code on the platform and get best practices for testing in our Sandbox.
As an issuer, there are few things more important to your business than delivering seamless experiences for your cardholders. Learn how Visa Developer equips you with a wide range of solutions to help meet and exceed cardholder expectations.
Hackathons are highly competitive and even the most talented developers can break under pressure. Don't get the stress get to you, watch Visa Developer's How To Win a Hackathon for tips on desing, pitching and even team formation. This will save you time so you can focus on a winning hackathon demo.
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Explorer's Club: Bat Basics
October 5, 2019 @ 10:00 am
Events Navigation
Join us each month to explore a new topic. This month we will cover bat basics. Join us to explore the world of bats to dispel some myths and discover some truths about these beneficial little critters. Ages 6 and up. Please preregister, 734-782-3956.
Time: 10 a.m.
Cost: $4
Location: Oakwoods Nature Center – Map Me
- Phone: (734) 782-3956
- Email: email@example.com


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With distinct femininity and timeless elegance, the wares of Australian designer Kit Willow are still consistently some of the most coveted in the country. Luckily for us, she is having a huge warehouse sale in Melbourne this week.
Following the success of the Sydney sale, which had girls going crazy for sought after Willow pieces, now you can get your hands on all those special garments you thought were out of reach. The sale will feature gems from past seasons as well as one-off samples at up to 75 per cent off.
The sale starts today and runs for three big days until Saturday.
Willow Warehouse Sale
60 Tanner Street, Richmond
Thu & Fri 8am–7pm
Sat 9am–4pm


text: Support us Become a regular donor Regular Giving Making a regular gift to us is a fantastic way to show your support. It allows the charity to be sustainable and plan for the future and gives you a way to remember a special person, birthday, anniversary or celebration. For example, £5 per month over one year would be enough to buy the materials to create three memory boxes. This would enable patients to leave carefully crafted boxes filled with unique memories, dedicated to special occasions throughout their lives. You can choose how much and how frequently you wish to give; monthly, quarterly or yearly. These donations are eligible for Gift Aid. If you are a UK taxpayer we can claim an extra 25p for every £1 you give us. This additional 25% comes from the Inland Revenue, so there is no additional cost to you or us. All you need to do is tick the Gift Aid box when completing the online form. It is simple and easy to make a regular gift below. Donate Now


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Since we couldn't make it to the show... I thought I'd bring the show to my blog. House of Cards by Radiohead has quickly become one of my all-time favorite songs... it is just so beautiful.
If you are seeing them at the Santa Barbara Bowl tonight... lucky you! If you are not, apparently they will have a live webcast here.
August 28, 2008
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Core Services
CCM Group is an international group of companies within a company; a house of solutions dedicated to helping our clients overcome the challenges before them.
Each company within CCM Group is highly specialized and focused on best in class service, so no matter where you turn within our organization, you will find the expertise you're looking for; a highly trained team ready to support you.
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In Greece, contact Maher Cherfan or Julia Kowalski
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Wednesday, June 11, 2014
4k Fans Her 3 Little Thinkers Giveaway!
14 comments:
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The Standard issue tee is anything but standard. With a military inspired, copy driven design; this fit tee will provide comfort and great style for years to come.
- fine knit jersey for maximum comfort and soft feel.
- Side seam construction maintain the integrity and structure wash after wash
- 100% Cotton Combed Ringspun 30/1 Side Seam Jersey, 155gm


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I saw a documentary by Bill Moyers on PBS a few years back. It was about the American chemical industry and its depredations — about how it dumped chemicals on the poor, introduced thousands of foreign substances into our environment and gutted the EPA.
Lately, I've begun to wonder which chemical(s) might be responsible for the current epidemic of autism.
Now this:
Congress Examines Role Of Industry in Regulation
Washington Post Staff Writer
Sunday, April 27, 2008; Page A01
Despite more than 100 published studies by government scientists and university laboratories that have raised health concerns about a chemical compound that is central to the multibillion-dollar plastics industry, the Food and Drug Administration has deemed it safe largely because of two studies, both funded by an industry trade group.
"Tobacco figured this out, and essentially it's the same model," said David Michaels, who was a federal regulator in the Clinton administration. "If you fight the science, you're able to postpone regulation and victim compensation, as well. As in this case, eventually the science becomes overwhelming. But if you can get five or 10 years of avoiding pollution control or production of chemicals, you've greatly increased your product."
Studies on Chemical In Plastics Questioned – washingtonpost.com


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In the past, education in Taiwan always put the emphasis on the teaching then doing. Maybe, the student always follow the single road without variation and do the things well. After teching, the difference of thinking disappear. The similarity of management for disease appears.
If the education focus more on learning by doing not learning by teaching. In general, there will be more unstability and risker. The operation cost will be higher than later. But some excellent ideaes or evolutions will be found.
The cost is the determining factor. If an organization or system are short of resources and overhead. They should maintain the regular working without any error and trouble. In other word, to keep the low cost operation should be in the strategy of risk aversion.


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*The 50% discount is offered for all e-books and e-journals purchased on IGI Global's Online Bookstore. E-books and e-journals are hosted on IGI Global's InfoSci® platform and available for PDF and/or ePUB download on a perpetual or subscription basis. This discount cannot be combined with any other discount or promotional offer. Offer expires June 30, 2020.
A famous quote of John Chambers (CEO of Cisco Systems) "Put your customer at the center of your culture" highlights the importance of successfully building strong relationships with customers, where customer centric marketing concepts (RM, CRM, CKM, Behavioral Branding and Cause Related Marketing) are essential. The final goal firms must take into account is continuously satisfying customer needs and desires, creating and supporting even higher brand or product loyalty levels, through even higher customer satisfaction (CS). Because of its great importance, CS and its features in the offline environment have been studied by researchers worldwide (e.g., Anderson & Weitz, 1989; Mohr & Speckman, 1994; Jones & Sasser Jr., 1995; Kumar, 1996; Oliver, 1999; Reichheld & Schefter, 2000; Costabile, 2001).
The advent of Web 2.0 and the pervasive role that it progressively occupies in firm CRM strategies has called for a new research area: the e-CS.
Recently different aspects of e-CS have been studied: its value in building strong online relationships with customers, its antecedents and drivers, some new scales and tools to measure specially e-CS, different from those created to measure offline CS, its impact on other variables such as repurchase intention, e-loyalty, complaint and recovery behaviors, etc. (see the different paragraphs of the second section of the chapter). From these contributions it is clear that further studies should be developed in each of these areas, but also none of the authors has developed a comprehensive framework which simultaneously considers on the one hand the direct impact of offline drivers and website features on overall customer satisfaction (OCS), and on the other, the moderator effect the website has on offline antecedents of CS. Thus, we aim to fill this gap in literature.
The chapter is organized as follows. The first section discusses the offline literature distinguishing between the relationship between CS and customer relationship management (CRM), the concept of CS, its measurement tools and methodologies, which have drastically changed over the years.
The second section reviews the literature on the relationship between e-CS and e-CRM, the concept of e-CS, its drivers and effects and the tools used over the years to measure it.
The third describes the proposed framework of overall customer satisfaction developed from B2C markets. We conclude suggesting further future research avenues, and draw some conclusions.
Offline Environment: Can be intended as the traditional field in which firm-customer relationships take place (e.g., point of sale).
Web 2.0 Tools: Interactive virtual instruments as social networks, corporate blogs, podcasts, folksonomy, RSS, etc. which can enhance communication and collaboration between firms and their customers (but not only) in a continuous and personalized way.
E-Customer Satisfaction (e-CS): The customer satisfaction built by firms and experienced by customers thanks to the Internet.
E-Customer Relationship Management (e-CRM): An additional channel to sustain customer relationships which results from the combination of marketing activities, tools and techniques delivered via the Internet.
Measurement Tools: Can be intended as all instruments/supports, from interviews to questionnaires, both qualitative and quantitative able to evaluate a given phenomenon.
Customer Relationship Management (CRM): The process which allows to create, maintain and develop customer relationships through firm value delivering over time.
Customer Satisfaction (CS): A particular feeling of delight or disappointment deriving from the comparison between product/service performance and personal expectations. It comes from the comparison between expected and realized performance of a product/service.
Online Environment: Can be intended as all virtual facilities firms can shape and use to keep in touch with the external 'world'.


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The Rolling Stones
The rock legends have announced their support acts for their No Filter Tour. Tickets are on sale now.
The Rolling Stones have announced their support acts for their UK stadium tour.
Former Oasis singer Liam Gallagher will open proceedings at London Stadium on Tuesday 22nd May, while 2015 Glastonbury headliner Florence & The Machine will play the same venue on Friday 25th May.
Indie band The Vaccines support The Stones at Southampton St Mary's Stadium on Tuesday 29th May, while The Specials will play in their native Coventry at the Ricoh Stadium on Saturday 2nd June.
Richard Ashcroft – who sampled the Andrew Loog Oldham orchestra version of The Rolling Stones' 'The Last Time' on the Verve's 1997 no.1 'Bitter Sweet Symphony – is special guest at two dates on the tour; Manchester Old Trafford Stadium (Tuesday 5th June) and Edinburgh BT Murrayfield Stadium (Sat 9th June).
Elbow and James Bay play Cardiff Principality Stadium (Friday 15th June) and London Twickenham Stadium (Tuesday 19th June) respectively.
"It's a dream come true to be asked to open for the mighty Rolling Stones - the best Rock n Roll band EVER," says Liam Gallagher.
The Specials' Lynval Golding comments: "I went to school in Gloucester & was very aware that Brian Jones was a local hero from Cheltenham although I never got to see him play. I did, however, get to go to Hyde Park for what turned out to be a memorial for him.
|Years later in NY, I was introduced to my guitar hero Keith Richards by Dave Jordan. Keith brought me a bag of guitar effects & I was so in awe that I couldn't speak about all the things I wanted to - Brian, Hyde Park, how The Stones had influenced me, I couldn't even say thank you for the effects pedals!
"Years later, this little black kid now gets to share the stage in what became his home town of Coventry with the legends that are The Stones! - Funny old life!!"
The dates are as follows:
London Stadium – Tue 22nd + Liam Gallagher
London Stadium - Fri 25th + Florence & The Machine
Southampton St Mary's Stadium – Tue 29th + The Vaccines
Coventry Ricoh Stadium – Sat 2nd + The Specials
Manchester Old Trafford Football Stadium – Tue 5th + Richard Ashcroft
Edinburgh BT Murrayfield Stadium – Sat 9th + Richard Ashcroft
Cardiff Principality Stadium – Fri 15th + Elbow
London Twickenham Stadium – Tue 19th + James Bay
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MS Ramaiah Medical College is located in Bangalore. The college was established in the year 1979 and with its best facilities and records; it is too made a good mark of itself in international countries too. The college has a good campus with a measurement of about 65 acres.
MS Ramaiah medical college is seen to be got affiliation to the Rajiv Gandhi University of Health Sciences or RGUHS. This medical college is also got recognized by the Medical Council of India or MCI. If you see the college from the international point, you will find that this college has got many types of awards from the international community as well. The college has got the recognition from WHO, Irish Medical Council, Malaysian Medical Council, Srilankan Medical Council, Middle East councils and General Medical Council U.K.
If you go for the MS Ramaiah medical college, then this college offers its students with many programs as well. Some of the best programs that you can avail from the college are mentioned below.
So, these are the courses that you get to pursue in MS Ramaiah medical college.
Many students all want to get a seat in the college. But the MBBS seats, the college gives you the limited seats only. As the competition among the students are high and every student wants to get a seat in this college, for that reason, the college has set the criteria for the students. If you want to get in there, then you have to fulfill the eligibility criteria.
If you are wondering what kind of rankings did this college has achieved then the college has got placed in 121 ranks the popularity rank. This rank is based on the average rank of all admitted students. Apart from that, if you will see the ranking of the college in India as per the overall performance in all fields, then the college was placed at rank 19th in India. This shows how good is this college the medical college and why you should go to this college if you want to pursue the MBBS course.


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Bongo Junior's Ruched Bikini Swim Bottoms - Tropical, Size: Medium, Black Floral
Let your sunny spirit soar in these junior's ruched bikini swim bottoms from Bongo . Cut for moderate rear coverage, these flattering swim bottoms feature a modern low rise for a fun look by the pool or at the beach. Ruched sides add just the right detail to the colorful tropical floral design. Size: Medium. Color: Black Floral. Age Group: Kids. Pattern: Floral.
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Offering Comprehensive Solutions for Your Home
Troy has been with Cook Home Services since 2007. He first studied the HVAC Tri-Vocational Program in High School. He began working with the installation team and later moved to the service department where he currently performs annual maintenance and service repairs. Troy has gained valuable industry experience while training with Denny.
Troy is certified in: EPA refrigerant & R-410A refrigerant; Jackson Systems zoning systems (Z-200, Z-300, Z-600, Z-2000 and Zone-One); and has completed training in: York Modulating Gas Furnace; American Standard Heat Pump & Air Conditioning; Lennox Gas Furnace & Heat Pumps. Troy is currently preparing for his NATE Core and Gas Heating Specialty exams.


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Email Clients for Novell
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Rian D. Spivak
Ranger Cub
Join Date: Jun 2005
Location: Goshen, NY
Posts: 61
At what point in the instructions does the phone freeze, it would be something I think we would like to test and see what the issue could be. If you could also let us know which model of the iPhone you have (3g, 3gs, 4) and what version of iOS it is by using Settings -> General -> About and look for the version number e.g. 4.0.1.
We have tested the instructions on different iPhones before without an issue, but it is possible there is a bug in a certain model and/or iOS version combination causing an issue with the instructions.
The only general issue I've seen with following the instructions is sometimes people will choose Other or IMAP/POP account as the email type instead of Microsoft Exchange during the setup process. If this is done, the settings will not work properly and cause issues.
Rian Spivak
Hardware Support Specialist
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An Interesting Point of View on the Future of Retail
Once again, my research department has come through. They've presented me with a paper from PwC and Kantar Retail that talks in some detail about where they see retail going between 2013 and 2020. It's a little dated, but still very relevant. If you're already seen it, never mind.
I suppose one of the reasons I like it so much is that they say a lot of the things I've been saying, but they've taken 44 pages to say it with more analysis and explanation than I ever have time for.
Here's a quote from their summary, but you really need to read the whole thing to understand what they mean.
"Success will likely be shaped by several factors, weaved together in a flexible, scalable, and agile model. The winning retailers will have a superior understanding of their consumer, considering income and demographic fragmentation, as well as behaviors, and will have the inert ability to analyze shopper data and extract valuable information. They will leverage technology shifts to their advantage and turn business intelligence and data into actionable insight to grow and benefit the business. They will integrate these insights into the demand chain and into enhanced customer service models. They will have an enhanced understanding of market fragments and patterns of growth and will be able to operate and manage "glocally"- on a global scale with attention to local needs. Leading retailers will address the challenges to their economic models and adapt their frame of mind on store formats, employment models and return on investment. The successful 2020 retailer will also build a true omnichannel operation that allows customers to interface through any channel of their preference on a 24/7 basis, anywhere at any time."
They are asking retailers (and brands) to think and act in a whole new way the outline of which is already, frankly, pretty damned obvious.
When I finished reading this, the question I was left with was, "What will it mean to be a brand?" On the one hand, it seems like the trends they discuss favor the larger retailers and brands in terms of the investment required.
But there is also a requirement for flexibility and rapid change and that has traditionally favored smaller players. In a constantly shifting global market of perfect supplier and consumer information they describe, where will product and brand differentiation come from? How do you avoid a sea of sameness?
As I've said before, I'm already finding that brands are retailers and retailers, brands. I've also pointed endlessly (and seem to be doing it again) to the conflict between growing revenues and maintaining brand distinctiveness through thoughtful distribution when your product is not fundamentally different from the competition's.
I think the study's authors would argue that flexibility will come from systems that allow data mining and analysis in whole new ways. I imagine that's true and I recommend being on the leading edge of it. But I wonder if those tools can be counted on to overcome the inevitable bureaucratic inertia of larger organizations.
I guess we're going to find out. Final thought- just because you are a smaller retailer doesn't mean this isn't relevant to you.
Here's the page where you go to download it as a PDF. It's called, "Retailing 2020: Winning in a Polarized World."


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Summer don't support one's appetite as much as winters do. Having chalked out a plan to ease the frequent eating out and yet enjoy the glories of food, I tried out a new place this week: not entirely new but new to me that is!
Looking for some new flavours/ places to take a break from the regular hard rock cafe and sorts, I called up Shalom for a reservation and thankfully I got one this time. Maybe its football season and everyone's hanging out at sports bars that go me a table.
While driving, I saw my mind wandering , looking for more options. The first sign that maybe its not Shalom I wanna head out to. A quick call to the SANCHO'S to confirm if I would get a table, the plan was set again and finalize this time!
SANCHO'S has two outlets in Delhi: South Ex and C.P., though the South Ex one is closed for the time being. C.P. being nearer from home, how could I complain. Moreover, C.P. has this vintage charm that warms my heart and makes me wanna go there always. Sadly, people do not realize its potential and are not revamping the place to bring out its real beauty. One of my friend calls it the Times Square of India, another longs to see open cafes with loads of greenery (but of course no cars allowed in the middle circle).
I am an eternal hopeful and optimist and I'm sure some planner will be able to implement a similar plan some day 🙂
C.P. is dug up for the time being due to the common wealth games but this restaurant is in the outer circle near Shankar market so getting a parking post was not a problem.
The beauty of the place lies in the fact that it is spread over two floors: ample amount of space. Dressed up in all things Mexican, the place is inviting!
I opted to take a seat on the 2nd floor where the FIFA match was being projected for the football enthusiasts. I'm no football fan but its fun no doubt 🙂
The second thing that catches your attention is the warm and friendly staff. The food comes quickly unlike som places where yo have to wait for 15-20 mins.
I ordered one of their salad and a chimichanga. With the prompt service, out food came in no time. I loved the salad!! The chimichanga was also nice too. Gobbling that up fast, the next main course was ordered: Enchiladas. Again, GOOD!
Wrapping up the meal wit some dessert, we asked the person waiting on our table for a suggestion and he suggest to g in for a dessert platter: innovative isn't it?
I wanted something simple and nothing that would overpower my experience till now so we asked for another option. Churros with hot chocolate sauce, he said with the dessert taking 5-7 minutes to prepare. No problemo senor, we shall have one!
Now churros need to e given a special mention as my taste buds thanked me every time I took a bite into it. A recommendation from my side, do try this one if you go to SANCHO's. The crunchy and soft churro dipped in warm chocolate sauce. Heavenly!!
I liked their customized coasters and asked if i could take one and I was brought a fresh coaster with a smile. All in all, a nice place to visit.. I'd say don't miss trying this out.
M-48, Outer Circle, Connaught Place, Opposite Shanker Market, New Delhi-110049
Phone No: +91-9899070034, 9717596504


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Every kitchen should be equipped with at least one set of nesting bowls! These are perfect for mixing or serving, and store with ease. One can even bake in them!
Approximate dimensions: Small- Diameter, 6. Height, 2.75.
Medium- Diameter, 7.75. Height, 3.
Large- Diameter, 9.75. Height, 4.25.
*Please select a glaze color in the dropdown bar.
*All items are food, dishwasher, oven, and microwave safe.
*Please allow 2-4 weeks after purchase for ship out. Keep in mind, this is a handmade item and will not be "factory made perfect." If duplicates are ordered of this piece, there will be slight variations.


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When A Stampede Knocks At Your Door
If a super–growth idea is successful, you've got a stampede arriving at your online community.
That's scary. You need to cater to these people differently.
Create a "Just arrived from…" page. Add the link from your registration form. This page brings newcomers up to speed. It highlights topical issues, it lists members they can contact for help. It offers ways these newcomers can immediately get involved. You can even discuss the informal sub-groups of your community, or running jokes.
If you're here from Chuck's interview with me, welcome. Here are some of my favourite posts:
- Stages of Building An Online Community
- Keep New Members Hooked For 21 Days
- How To Build The First Online Community Of It's Kind
- What Did You Say About Me?
- Basic Tactics To Grow Your Online Community Without Any Promotion
- How To Find Your Community's First Members
Happy reading.
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Type: LED String Lights
Light length:914.4cm/9.144m
Light mode: Combination,In waves,Sequential,Slo Glo,Chasing/Flash,Twinkling.
Power support: 110V-120V /220V-240V
Plug Style : US Plug
Emitting Color : Green
The light can easily build the festival or party feel you desire.Perfect to decorate your house, room, garden, tree, etc.Ideal for Diwali, Christmas,Wedding,Ceremony, and other festivals and events.
Saving Power and money and environmental protection.Summer Garden decoration for trees, shrubs,bushes.Evening party lighting for barbecues, celebrations , birthdays.Christmas time for a more environmentally friendly display.
Ideal string lights for room decor or as wall decorations for living room, bedroom, indoor and outdoor.Made of high-quality material, with high brightness and No radiation, No pollution.
Heat insulated, wearable silver wires string lights, you can even make amazing costume décor or cosplay by using this string lights.Perfect lighting addition to any DIY craft project. 360° sparkle for a beautiful effect.Perfect lightnings for Mason jar, bell jar, apothecary jar, wine bottles and Easter Wreath Garland decorations
Package Contents:1 x Copper Wire Green LED String Lights


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Mix and Max your Stib Pencils! Get a tube of both the Jumbos and the Mini Colouring Pencils!
Stib Mini's come in a brightly striped pack & include 10 vibrant colours with a 'positive, inspirational' word embossed on each. These words have all been matched with an animal character, that together form The Stiblers. Each pack of pencils contains a specially designed sheet of Stibler colouring templates, with game ideas and a bright orange double pencil sharpener.
Stib Inspirational Jumbo Pencils come in a pack of 12 vibrant colours, each of which has a 'positive' word embossed on it. These words have all been matched with an animal character, that together form The Stiblers. Each pack of pencils contains a specially designed sheet of Stibler stickers, which can be used to decorate the Stib tube or elsewhere. The pack also includes a bright orange double pencil sharpener.
Words to Inspire...
The Stib words aren't just there to be another set of rules but rather to inspire our young minds to think about the way they look at the world and explore some fresh ideas to help them with life's lumps and bumps. Our children can't all be problem solvers, big thinkers or joy finders every minute of every day, but when they meet a tricky situation, it's worth remembering what makes them pretty special in the first place and to give new behaviours a try.
Words: Peace Keeper, Earth Lover, Joy Finder, Big Thinker, Self Believer, World Changer, Story Teller, Problem Solver, Good Listener, Freestyler
About Stib
Stib was founded by Buckinghamshire based mother of two and entrepreneur, Emily Sayer. Before the itch to develop a product took over, she co-founded a not-for-profit organisation called Radar to engage marginalised and remote communities to use their mobile phones documenting and communicating about the issues that matter most to them.
Stib is a purposeful business, aiming to inspire children to create a world to be proud of. Stib believes in the potential of all children to do amazing things, which is why they give 10% of our profits to education projects supporting vulnerable children in the UK & overseas.


text: Bridging post-punk and half-tuneful indie pop, Glasgow's We Were Promised Jetpacks established themselves with a series of well-regarded albums on Britain's Fat Cat Records, including 2011's dynamic In the Pit of the Stomach, which marked their first entry onto the U.K. charts. The group toured rigorously over the next several years, releasing one more album for Fat Cat before switching to Big Scary Monsters for 2018's more mature The More I Sleep, the Less I Dream. Vocalist/guitarist Adam Thompson, guitarist Michael Palmer, bassist Sean Smith, and drummer Darren Lackie formed the band in 2003 while attending an Edinburgh high school, where they won a battle-of-the-bands contest with their very first gig. After graduation, We Were Promised Jetpacks relocated to Glasgow, and their sound matured as well, moving from simple song structures and clean guitars to a more ambitious, anthemic approach. They were also inspired by fellow Glaswegians the Twilight Sad and Frightened Rabbit, and these influences could be heard on the three-song demo the band recorded, which received airplay on the BBC, XFM, and Q Radio in the U.K. and KEXP in the United States. In 2008, We Were Promised Jetpacks toured as Frightened Rabbit's opening act; that year, they were signed by Fat Cat Records (also home to both Frightened Rabbit and the Twilight Sad). In 2009, We Were Promised Jetpacks released two singles, Quiet Little Voices and Roll Up Your Sleeves, before their full-length These Four Walls arrived that summer. They followed up the next year with the EP The Last Place You'll Look, which featured some unreleased tracks and more orchestral rearrangements of some of the songs from their previous album. In 2011, the band returned with another full-length effort, the more driving In the Pit of the Stomach. While they toured in support of the album, they recorded E Rey: Live in Philadelphia, a live album named after the band's tour manager that was released in early 2014. During that time, they also recorded their third album, Unravelling, with producer Paul Savage, which arrived in October 2014. Shortly before the album's release, We Were Promised Jetpacks added multi-instrumentalist Stuart McGachan, who acted as the band's auxiliary member until 2015. Four years passed before We Were Promised Jetpacks put out new material, but in 2018 they delivered their fourth album. The More I Sleep, the Less I Dream was recorded at Minor Street in Philadelphia and Long Pond in New York's Hudson Valley, and produced and mixed by Jonathan Low (the National, Frightened Rabbit). The album's release was preceded by the single "Hanging In." ~ Heather Phares


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Our heritage of excellence
Dealership refurbishment is completed at Armstrong Prestige Christchurch, including the addition of a dedicated Mercedes-AMG Performance Centre showroom.
Drive Holidays is established incorporating Peugeot Drive Europe & Citroen Drive Europe. This programme provides Kiwis with access to very competitive short-term leasing rates of brand new Peugeot & Citroen vehicles for driving holidays within Europe.
East Auckland Hyundai opens as the official Hyundai dealership for the East Auckland region.
Mercedes-Benz Botany opens as the official Mercedes-Benz dealership for the East Auckland region.
Armstrong Motor Group acquires the official distributor rights for the Peugeot, Citroen & DS Automobiles brands for New Zealand, trading as Auto Distributors New Zealand Limted.
Volvo vehicle sales is officially relocated to our Armstrong Prestige Dunedin – Andersons Bay Road dealership.
The RAM Trucks brand is added to Armstrong Prestige Dunedin – Andersons Bay Road, servicing the the Otago & Southland region for the renowned American pick-up truck vehicles.
Construction begins for the all new Armstrong Prestige Mercedes-Benz Botany dealership in East Auckland.
Jaguar is added to Armstrong Prestige Dunedin within a brand new, purpose built Jaguar and Land Rover showroom.
The RAM brand is added to Armstrong Prestige Christchurch, servicing the the Canterbury region for the renowned American pick-up truck vehicles.
Armstrong Motor Group becomes the official PEUGEOT & CITROËN dealer for central Auckland with the acquisition of a new dealership located in Greenlane.
The CITROËN brand is acquired and added to the Armstrong Motor Group Lower Hutt and Christchurch dealership.
A third Auckland City Toyota dealership is opened for arguably the country's premier automotive retail strip, Greenlane.
In one of the highest profile acquisitions in the automotive industry, Armstrong Motor Group secures the two established Auckland City Toyota dealerships from the Giltrap family in the Group's first foray into the Auckland market. Within months, the Mt Wellington site was expanded as the lease of a neighbouring car yard was secured. The move to Auckland was the first phase in an exciting new growth strategy for the group.
The FIAT / CHRYSLER brands make way for a standalone VOLVO showroom at Armstrong Prestige Wellington.
Armstrong Prestige Palmerston North was sold, allowing the group to focus on the four main centres of New Zealand.
FIAT and ALFA ROMEO brands are added to High Street, Lower Hutt, just a month later, the HONDA brand was added to the group in Timaru.
FIAT and ALFA ROMEO were also brought into Armstrong Prestige Dunedin's portfolio.
LDV Vans were added to the group's portfolio at Armstrong Motor Group Christchurch.
August 2012 saw a major re-devolopment of Armstrong Motor Group's Lower Hutt site at 37 Railway Avenue, creating a modern SUBARU & PEUGEOT dealership and service centre. Very shortly after Railway Avenue reopened with the NISSAN brand joining the group in Lower Hutt.
Armstrong Motor Group Christchurch added the SSANGYONG brand in March 2011 and another Armstrong Prestige site was created in Palmerston North in July 2011, selling and servicing VOLKSWAGEN and AUDI vehicles
February 2008, AUDI and PORSCHE were added next door to the Armstrong Motor Group dealership in Wellington, soon afterwards saw LAND ROVER, VOLVO and JAGUAR brands added. Today, this dealership runs under the Armstrong Prestige banner.
In April 2007 the group moved North and opened Armstrong Motor Group Wellington selling SUBARU and PEUGEOT. Shortly afterwards adding CHRYSLER, JEEP and DODGE.
In December 2007 the Armstrong Prestige dealership in Christchurch was relocated to 6 Detroit Place, becoming multiple recipients of the MERCEDES-BENZ Dealership of the year awards and a flagship MERCEDES-BENZ dealership in the process


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Schools and Groups
Everything you need to make a group or school visit
School Visit Information
- Do you offer educational workshops for school trips?
- Do you offer a discount for schools?
- How can I make a school booking?
- Can I make a school booking to visit both LEGOLAND Discovery Centre Manchester and SEA LIFE Manchester?
- How can I find more information on making a school visit?
- What's included in a schools package?


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Looking for a durable macerating upflush toilet that also features an alarm and automated start/stop? Look no further than the Saniflo Sanipack. In stock and ready to ship the same day you purchase it, this unit is ideal for a full bathroom addition. Capable of pumping vertically up to 9 feet, the Sanipack connects to wall-hung toilets, sinks, and showers. Designed for installation inside a wall cavity, the Sanipack can install a full bathroom up to 9 feet below a sewer line, and up to 100 feet from a soil stack.
Want to install the Sanipack on your own? No problem at all - the unit only features four connections. These include a connection from the macerator/pump to the discharge pipe, a connection from the toilet tank to the water supply, a connection from the macerator/pump to the small diameter discharge pipe, and a connection from the macerator to the electrical supply.
Type: Macerating Upflush Toilet


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A Trip In A Day
Phuket is likely one of the hottest travel locations in Asia. It is usually the peak tourist season time in Thailand, so expect lots of new pals at the extra trendy vacationer locations just like the islands and major towns. Pick this excellent tour bundle to experience charismatic Bali while a thrilling stay at the famous beach resort areas of the Kuta and Seminyak areas.
And when you're a metropolis lover you'll be enthralled by Kathmandu very quickly – its brilliant temples, tempting markets, delicious meals and all round buzz fascinating travellers every time. We provide personalized and regular tour packages. Our Indonesia travel plans embrace pristine seashores, volcanoes, indigenous animals, cheap food and reasonably priced lodging, Indonesia is an ideal vacation.
Presence of many thrilling destinations in China, such because the Nice Wall of China and the Large Panda, attracts an unlimited number of visitors every year to this country. But, if you are planning to visit these charming locations in Asia you may be advised to take a guided tour after all.
Rapidly turning into one of the world`s prime travel destinations, Abu Dhabi, Dubai and the encompassing Emirates is where you`ll find luxury, type, journey and the traditional Arabian warmth of hospitality and respect. Islands within the Sun's travel specialists have created Asia spa getaways designed to seamlessly transport you at hand-selected resorts set amid stunning beaches, rice fields, beautiful temples and lagoons.
Combine Ubud and Bali's beaches for a novel experience in Indonesia. Take the Pilgrim Special package and go to all holy temples within the valleys of Nepal. Chill out on the picturesque seashores of southern Thailand and Cambodia, or go to world-famous sites akin to Angkor Wat, the largest non secular monument on the planet.


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Election Engagement Grant
Download the newly updated
7 Key Ways to Engage Your Campus
Indiana Campus Compact, in partnership with the Campus Election Engagement Project (CEEP), is working to support institutions of higher education throughout Indiana to engage students in the 2018 election. Through this partnership, Indiana Campus Compact is offering Election Engagement Grants designed to support campuses as they inform and promote student voter participation, develop new and innovative programming, and work to promote further student involvement in and with their communities to create meaningful relationships that move beyond the election cycle.
Indiana Campus Compact has funding to offer up to 12 Election Engagement Grants, up to $1,500 each, to its partner institutions across Indiana.
Any faculty, staff, or student from an Indiana Campus Compact partner institution are encouraged to apply. Each Election Engagement Grant requires two Project Directors. One of these individuals must be a student (undergraduate or graduate) who is currently enrolled at the institution, and serve as an Indiana Campus Compact CEEP Fellow. The other individual may be either a faculty or staff member at the institution.
- Request for Proposals Released: Friday, June 8, 2018
- Applications Due: Monday, August 6, 2018
- Funding Notification: Friday, August 17, 2018
- Project/Funding Start Date: Monday, August 20, 2018
- Project/Funding End Date: Friday, November 16, 2018
- Post-Election Project Report Due: Thursday, December 28, 2018
The Election Engagement Grant will support inclusive, nonpartisan election engagement activities at institutions across Indiana. Specifically grantees will:
1. Create or strengthen an existing team of faculty, students, and staff to develop a nonpartisan, campus-wide election engagement projects, and coordinate grant activities. All teams must include an identified student leader that will serve as an Indiana Campus Compact CEEP Fellow to share information and network with other campus leaders. Activities should:
- Facilitate student voter registration and promoting/securing polling sites on or near campus.
- Enroll and participate in the free National Study of Learning, Voting, and Engagement (NSLVE).
- Provide voter information during major all-campus student events.
- Plan events to celebrate Constitution Day (September 17th) and/or National Voter Registration Day (September 25th).2. Use grant funds to accomplish one or more of the following objectives:
- Increase the number of students who are registered to vote.
- Provide nonpartisan voter education activities/opportunities for students to learn about voting, issues, and candidates.
- Motivate and assist students to go to the polls and vote (GOTV).
3. Monitor and report on use of grant funds and outcomes of grant-supported activities.
The Campus Election Engagement Project (CEEP) is a national nonpartisan project that helps administrators, faculty, staff, and student leaders at America's colleges and universities engage students in federal, state, and local elections. CEEP combines powerful resources with personalized coaching, guiding schools on how to use resources and navigate students through ever-changing barriers to voting.
For more information, contact Laura Weaver, Director of Programs and Member Development, at weaverla {at} iupui(.)edu.


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How do i have the right inner sidebar show up on single posts of only one category?
ie. on my articles pages rather than my project pages. "articles" and "projects" are the parent categories.
Click here to register or to donate.
Auto self-registration is not available here - far too many spammers. This forum has many, many backlinks and because of that there is an intense desire among spammers to drop their links here.


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For many Canadians, it's one of life's quintessential dreams: escaping the concrete jungle to live at the family summer cottage. Fresh air and natural grandeur, neighbours stopping by to share a game of cards on the front porch or backyard barbeque, kids building tree forts. What's not to love?
As prices in urban centres like Vancouver remain high, the allure of this traditional lifestyle is gaining traction with an ever more diverse group of buyers. According to the 2015 Re/Max Recreational Property Report, 20 per cent of British Columbians would downsize their current residence to purchase a cottage. Now, some homeowners are carrying this trend one step further – selling their primary residence and using the equity to live full-time, often mortgage free, in their vacation home.
A Great Option for Retiring Boomers
James Askew, president of rareEarth Project Marketing, believes baby boomers will continue to drive the trend of transforming a summer vacation property into a four-season home – whether it's the traditional cottage in the forest or on a lake, an upscale condo or a masterplanned strata community with resort amenities such as a pool, clubhouse and sports facilities.
But wherever that recreational property, this discerning market want something more than a bare-bones roof over their heads. "As boomers approach the age of retirement, they're looking for upscale, maintenance-free living that still offers access to the amenities of town."
For Albertans, he says, that's often the Okanagan – where increasing numbers of daily WestJet flights make it easy to get back for visits with friends and grandchildren in Calgary or Edmonton while trading the brutal cold of prairie winters in favour of local golf courses, wineries and other outdoor activities. Vancouverites who enjoy the relaxation of ferry travel might choose the deals – from tradition cottage to contemporary condo – found in locations like the Sunshine Coast, Gulf Islands, or Bowen Island.
A Lifestyle Choice for Young Families
However, it's not just retiring baby boomers who are making this leap – it's also an increasing trend among families with children. Laurie and Carle Proskin, both successful home-based business owners, are one couple who took the plunge and have never looked back. After enjoying their $500,000 cottage at Cultus Lake in Chilliwack as a vacation retreat for almost five years, they realized it offered a better, more cost-effective, full-time lifestyle than their $2 million-plus, single-family house in Vancouver.
"It's a better lifestyle for our two kids and a more social one for us," Laurie says. "Our children are always outside riding their bikes, playing with other kids or going down to the lake. There are all kinds of community events throughout the year, so you actually get to know your neighbours, plus people look out for each other.
She sees plenty of ongoing financial benefits too. "We don't have to pay for parking any more – that still astounds me. Instead of going to Starbucks, most of us make our own coffee and drink it on our deck with friends. And because there are so many activities for the kids, I spend way less on entertainment – they're relearning how to make their own fun."
Their neighbours, Maureen and Marc Hollaar, are also concrete jungle transplants who, like many embracing the vacation lifestyle, wanted to escape the noise and air pollution of city living. Maureen admits that initially the idea of paying more than $200 a month on strata fees was a stumbling block. "But when you consider the amenities – pool, gym, clubhouse – it works. We have a 1,700-square-foot, three-bedroom-and-loft home with a cost of living that's significantly less than it was in the city. Plus in the future, when the kids are grown up, if we want to travel for half the year, we can easily rent it out – some of our neighbours already get $1,500 to $1,800 per week in the summer, and that's just going to go up."
Taking a Gradual Approach
Vince and Kathy Taylor are taking a more staged approach to moving full time into their lakeside property near Squamish. "We found we were spending more and more time there, so we decided to try it for a year," Vince explains. Now almost half a year into the experiment, the allure of having hiking, fishing, mountain biking and other outdoor sports just outside their door has lost none of its sheen.
"And typically it still takes less time to drive to our Vancouver office than it would if we were living in Langley or Abbotsford."
Bill and Lynda Manahan, who retired almost five years ago, took a circuitous route to their 100 Mile vacation property. While they had always intended to make it their year-round residence, when they sold their Surrey townhouse, they first spent four years living full-time on their sailboat, often touring northern BC.
Another retiree, Constantine Anastasopoulos, saw opportunity in the Okanagan. "Yes, living in Yaletown was an exciting urban environment," he says. "But now I live in a newer home that's better constructed and was priced considerably lower than Vancouver. Plus my partner has access to a stable where she can ride horses again – you can't do that in downtown Vancouver. We bought a couple of years ago when prices in the Okanagan were in a lull, and we're already seeing them returning to higher levels, so it's been a good investment financially as well."
The Relaxation Quotient
Ultimately, buyers and industry analysts alike agree that embracing any recreational property as a full-time home is about celebrating a more relaxed way of living. "People are making a conscious decision to have a more social, engaged lifestyle," says Steven Van Geel, sales director for Cottages at Cultus Lake and Creekside Mills at Cultus Lake. "They want to live in a community where they can feel safe letting their kids run down the streets to play with friends and where they know their neighbours by name."
"I think people are missing the sense of community you find in a vacation community," Maureen says. "So many of our friends tell us they'd love to live here full time… and we are."


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© 2020 Custom Home Garage Storage Solutions - Onwallsolutions.com. All Rights Reserved.
Marketing services by Xi Digital
We offer storage solution systems and innovative design techniques to deliver a garage space that can have the leverage and functional capabilities that allow for an altogether different experience in garage space utilization.
Getting everything off the floors and using clever alternatives such as the walls and ceilings of the garage, is our main objective while using the floor space more efficiently than ever with garage storage furniture that's heavy duty, custom made and built to last!
Our expert team of design technicians begin by helping to sort out clutters and organize items accumulated over the years to help you sift and filter through that which you choose to store in your garage and that which you choose to dispose of or keep elsewhere.
Once the space has been cleared it gives us the chance to begin installing your storage solution gear.
Our HandiWall slat panels surrounding the garage make for an incredible resource that helps in saving the available floor space and allowing organization and room for comfort.
Once slatwall panels are in place, we use a wide selection of hanging/suspending hooks, bins, baskets and lifts for any number of items to hang from the walls such as tools, ladders, extension cords, hoses, seasonal items, bicycles/helmets, sports gear, yard maintenance items like rakes, shovels/snow removal tools as well as various loose items.
We also offer a number of clever mechanisms like car lifts, bike lifts/suspenders, shelving, long-hanging tool fixtures, overhead ceiling storage/mezzanines and sports equipment storage pieces that can be mixed and matched to fit your exact requirements.
Recycling and garbage bins can be kept off the floor when not in use with a spare ready to go off the wall, once the occupied bins have been set outside for disposal pick-up.
Our custom range of sizes in overhead storage units allow for our powerful load bearing mezzanines and our superior quality overhead storage racks to hold a whopping 1000 pounds of weight; safely and efficiently with your choice of width and depth for ultimate customization and functional performance!
We also specialize in designing and installing custom built-in garage storage cabinets that are excellent for storing any number of heavy duty tools and equipment with organizing drawers, long spacious closets and work surfaces to allow all your DIY endeavors to be operated with ease and sharp functional efficiency.
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Cheerfully Made is located at 72 Mill Street in beautiful, historic downtown Almonte.
If you pass a yellow door, you've gone too far.
Call the shop at 613-461-MADE(6233) or send us an email to firstname.lastname@example.com.
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Vincent 5 Piece Outdoor Patio Dining Set
Keep it classy with this outdoor dining set. Whether you're looking for something to seat your family of four or entertain your close friends with, this solid wood set does the trick. It includes a sturdy table that features an umbrella hole as well as four comfortable chairs that have a chevron pattern on the back and seat. The subtle charm and long-lasting function of this patio dining set are bound to please you throughout the seasons.
- Modern style with chevron detailing
- Perfect for your backyard, patio, or deck
- Weather resistant patio set
- Acacia wood material ideal for outdoor use
- Set includes table and 4 chairs
- Beautiful stain finish
Item Number:
Brown: OW5DGVINBR
Dark Brown: OW5DGVINDB
Grey Wash: OW5DGVINGW
Dining Table: 30" H x 60" L x 34" W 48LBS
Each Chair: 35" H x 25" L x 25" W 18LBS


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the best of luxury living in your thoughtfully designed home at Town Center at
Lakeside Village. With a variety of 1, 2
and 3 bedroom apartments,
this community provides options for floor plans to suit your lifestyle. In each
home, generous square footage offers ample amount space for relaxation, storage
and entertaining. Create your culinary masterpieces in the gourmet kitchen, and
savor the meal in the dining area or at the breakfast bar. Step outside to
enjoy the soothing effects of a calm breeze from your private patio or balcony.
your tour of Town Center at Lakeside Village today, and discover the leading
apartment community in Lakeland,
1 bedroom with den, 1 bath
1 bedroom 1 bath
2 bedroom 2 bath
3 bedroom 2 bath
Floor plans are artist's rendering. All dimensions are approximate. Actual product and specifications may vary in dimension or detail. Not all features are available in every apartment. Prices and availability are subject to change. Please see a representative for details.
tours available. We are temporarily ceasing in-person tours with prospective
residents. Call us today for more information!


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Are you paying for over the counter drugs that are covered by your health care plan?
Many over-the-counter drugs are free for Aboriginal people due to coverage under BC PharmaCare Plan W. (Denise Titian photo)
Spring is in the air and so is pollen. For seasonal allergy sufferers, that means a trip to the pharmacy for costly antihistamines. What many Aboriginal people don't know is that these types of medications are covered under the BC PharmaCare Plan W program and can be accessed free of charge.
The BC PharmaCare Plan W covers eligible First Nations and Inuit people in the province. You are eligible for coverage under the Plan W if you have active Medical Services Plan (MSP) coverage, and are a registered Indian under the Indian Act. Children under one year old that have at least one parent registered under the Indian Act are also eligible.
Members of treaty nations should check with their administration office for information about health coverage provisions under their treaty.
Prior to October 2017, medical services and supplies were administered through the federal Non-Insured Health Benefits (NIHB) Program. This covered prescription drugs, over-the-counter medication, medical supplies and equipment, mental health counselling, dental care, vision care, and medical transportation to eligible First Nations and Inuit.
On October 1, 2017, First Nations Health Authority (FNHA) clients joined the BC PharmaCare program, taking over delivery of medical benefits to eligible clients who had been receiving benefits through Health Canada's Non-Insured Health Benefits (NIHB) program.
Today, the BC PharmaCare program delivers similar health benefits to First Nations people under Plan W. Funded by FNHA, Plan W covers 100 percent of eligible prescription costs and certain medical supplies, various over-the-counter drugs, some natural health products, and pharmacy services; it covers most OTC (over the counter) medications previously covered by NIHB, under similar rules.
There is a list of medications called the Plan W Formulary; it is a listing of medications and supplies that are covered under Plan W and can be found on the FNHA and the BC Ministry of Health websites.
Included on the list are OTC products deemed appropriate for pharmacist-initiated treatment, meaning you don't need to get a prescription from your doctor. The pharmacist can dispense certain OTC medications, billing the Plan W program directly.
Medication for allergy sufferers is included on the list OTC products that don't require a doctor's prescription.
Other items on the list are certain treatments for eye, nasal and oral medication for allergy sufferers, treatments for acne, diabetes supplies, lice treatment, emergency contraception, topical antibiotic ointment for skin/eyes, products to treat constipation, anti-fungal skin cream, prenatal vitamins and vitamins for children.
To get your OTC medication covered under your plan you need to call or visit your pharmacist ahead of time. They will advise you if it is necessary to get a doctor's prescription for your OTC medication. If a prescription is not necessary, the pharmacist will take your Care Card number for billing purposes then prepare your OTC medication.
There is a 17 page list of approved OTC medications for Plan W clients that can be found online at https://www2.gov.bc.ca/assets/gov/health/health-drug-coverage/pharmacare/planw-otc-meds.pdf
The list includes pain relievers like acetaminophen (Tylenol), ASA (Aspirin) and ibuprofen (Motrin). Also on the list are medications to treat nausea/vomiting, lactose intolerance, warts, diaper rash as well as a variety of vitamin and mineral supplements.
Information about Plan W can be found on the BC Ministry of Health website.
The list of approved pharmacist-initiated OTC medications is here: https://www2.gov.bc.ca/assets/gov/health/health-drug-coverage/pharmacare/pharm_initiated_otc.pdf


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The winter of 2011/2012 has yet to rear it's ugly head here on the peninsula in Virginia, although days of high winds and low temps are starting to increase in frequency of late. Many kayak anglers have taken advantage of this time to get out almost daily to chase after the various species that can still be found in the bay area. For myself, this time of year is hit or miss logistically due to work, family events and wind conditions. On Wednesday February 1st, the air temps were forecast to be in the low 70's with winds in the 10-15mph class. A perfect opportunity to get out on the water for some long overdue recon and testing of potential tackle setups for the coming year.
I recently purchased a few items I had been wanting for some time: an Abu Garcia Revo Inshore baitcaster paired with a Shimano Teramar Inshore SE Series rod; an Okuma EVx 6'6" MHF casting rod paired to my existing Abu Garcia Revo S; and a Shimano Calcutta 200B paired with my existing St. Croix Mojo Bass Spinnerbait model rod. I also was yearning for some time on the water to test out my recent flush mount modification and to try some different Marsh Works Bayou Thumper and hair jig combos. As you can see, I had a few things lined up to keep me occupied on the water, and to be quite honest........fishing really wasn't the goal for the day. GASP!!! Hard to believe I know!!
First order of business - the YakAttack VisiCarbon Pro and the new Scotty 444 Compact Flush Mount install from two weeks ago worked flawlessly. I installed the VisiCarbon Pro along with my other gear and off I went peddling about the Willoughby Spit shoals and rip line. This area can get pretty nasty in high winds and seas, but fortunately, the waves were slow rollers and handled easily by the Hobie Revolution 13 even in the steady winds. Winds were blowing straight out of the west down the main river channel across the tunnel passage, but I avoided that area and stuck to the inner portion of the rip line and rock jetty. I pedaled about for close to 2 hours before taking a quick break to change out some of the lures on my setups and snap off a few photos. Now I did technically "fish", although I knew I was not likely to catch anything having launched into the tail end of the ebb tide window.
On to the next task - equipment testing. For those that read my blogs, you probably recalled that the Revo Inshore/Teramar combo was used rather extensively a few weeks ago on my epic night of 40 fish. However, I wanted to test out the setup again in higher winds throwing lighter presentations. The lure of choice tonight was a prototype Marsh Works skirted jig paired with a Killa Squilla. The jig itself I was testing was extremely lightweight, most likely 3/16oz. but when paired with the Killa Squilla resulted in a nice 3/8oz. combo. I was able to cast this combo easily into the wind a good 20 yards, but the current was not allowing the bait to get low enough in the water column for it to be effective. In the future, I think I will opt for a heavier plastic body or see if there is a heavier version of the skirted jig. I can see this lure combo being very effective on the saltwater flats for tailing Redfish or even as a freshwater bass lure. I plan on testing it out in the freshwater in the coming months to prove this theory.
The next item to test was the Okuma EVx rod paired with my Revo S. I must say that I was pleasantly surprised with the feel and performance of this rod in the brief time I used it on the water. I was using a 4" soft plastic swimbait tied on with a 15lb. leader matched up to 20lb. braided line. The rod itself is a 6'6" Medium Heavy power rod with a Fast action. It is well made and uses quality components - IM8 blank, Fuji ACS reel seat, stainless steel guide frames with zirconium inserts for braided line to name a few. I was able to feel the subtle thumping of the paddle tail on the swimbait even in the current. While I am not the most precise caster on the water, I was able to cast this rod and place my lure in the spot I wanted with little to no effort at all. This rod will most likely end up being a freshwater rod for soft plastics and frogs, but it was comforting to know that I could take this rod setup as a backup on some of my future saltwater outings for Summer Flounder, Spadefish and slot Redfish.
I did notice one potential concern with the reel, but I am not 100% certain there is a problem yet. Once every few casts, I would feel a subtle "tick" during the retrieve. At first, it didn't phase me, but I want to make sure that the sensation I felt was not just a poorly tied leader knot catching on the top guide during the retrieve. I may take it to a nearby pond and do some shore casting to test it out again, only next time, I will take an additional length of the 30lb. mono leader and tie a different style knot, as well as a length of smaller diameter leader just in case.
Last but not least is the review session of pairing my preferred soft plastic Marsh Works Bayou Thumper with a small 3/16oz. bucktail jig. I already knew that the weight of the jig was too light for normal use; however, I had launched into the end of the ebb tide, which meant the slack tide was in full force after I had relaunched from my initial break. I tied the lure on my current favorite Speckled Trout spinning rod setup (my Diawa Regal XiA 3000 paired to a 7'0" TFO G. Loomis Signature Saltwater Series #4 spinning rod) and started casting away into the slack tide. The lure combo was easily retrieved in a swim jig fashion causing the bucktail to flare out on each pause but still retain the action of the paddle tail the Bayou Thumpers are known for.
I ended my day on the water at 9pm, just shy of the flood current beginning. Total time on the water was 5 hours, and I accomplished all of my goals for the trip. I left with the confidence that my review sessions and recon techniques for performance further validated the gear choices I had made not long ago. I am already anticipating the next opportunity to get back out on the water with these combos and chase some fish for real. I also left knowing that my flush mount installation was the right location and will significantly increase my visibility on the water and add to my overall safety-oriented profile.
Until next time folks, be safe, be smart and most of all share your time on the water - whether it is with a family member, a friend, a kid or even better a veteran or current service member - get out and enjoy one of the most important natural resources we have on this planet.


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Elder sister of Prince Imrahil of Dol Amroth. Ivriniel was born in year 2947 of the Third Age. She was the daughter of Adrahil II. Ivriniel was the older sister of both Prince Imrahil and Finduilas.
Names & Meanings
The meaning of the name Ivriniel is not known, but it is composed of the elements ivrin from ivren meaning "crystal" and the feminin suffix -iel.
The History of Middle-earth, Volume XII, The Peoples of Middle-earth: "The Heirs of Elendil," pages 221-223
All Pages Copyright © 2010, The Middle-Earth Encyclopedia


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Staytion Market & Bar is cheering to warmer weather (finally!) by continuing their May mixology classes. Each event takes place between 5-7 p.m., are open to the public, and cost $14 (the cost of the cocktail). Mixologist Kevin Fahey will show participants how to create springtime cocktail recipes. Each event will include ingredients that guests can duplicate at home without any extensive training or equipment.
The May class schedule includes:
Century of Progress
- May 16, 2019
- Cheers to Renaissance Chicago Downtown Hotel's annual Global Day of Discovery with a special three tier, four berry and FEW Gin infused cocktail
Tiki Goodness
- May 23, 2019
- Learn to create a Tiki cocktail just in time for the upcoming summer season with local CH Rum, homemade Falernum and Orgeat
Molecular Gastronomy
- May 30, 2019
- Kevin will take guests through Gastronomy 101 while making cocktail caviar and bubbles


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Meredith News
Moultonboro joins suit against state for retirement contributions
by Sarah Schmidt
write the author
July 22, 2009
MOULTONBORO — The Town of Moultonboro will join in litigation efforts with the New Hampshire Municipal Association in response to the state's vote to shift their share of retirement costs to towns.
Town Administrator Carter Terenzini brought up the letter asking Moultonboro to join the suit with other towns in the NHMA. When the state budget was approved last month, it reduced the state's share of the employer contribution for teachers, police, and firefighters from 35 percent to 30 percent, with plans to reduce it further to 25 percent in the 2011 fiscal year.
The NHMA wrote that this "downshifting" in cost would cause an additional cost to counties, towns, school districts, and cities, a figure they estimated to total at $27 million over the next two years. The NHMA also contends that this action is an "unfunded mandate" and constitutes a violation of Part I, Article 28-a of the New Hampshire Constitution, which states, "The state shall not mandate or assign any new, expanded or modified programs or responsibilities to any political subdivision in such a way as to necessitate additional local expenditures by the political subdivision unless such programs or responsibilities are fully funded by the state or unless such programs or responsibilities are approved for funding by a vote of the local legislative body of the political subdivision."
"It's not horrifically expensive for us because of our number of officers," said Terenzini. "But it's stressing our neighbors."
Terenzini said that the NHMA advised them to send their payment to the state with a letter of protest, asking the state to be ready to reimburse them for the costs. They also asked them to "join with their fellow communities" in litigation, contributing a little over $800. Letters came from the executive directors of the Local Government Center, the School Board Association, and the New Hampshire Association of Counties.
Terenzini said that the town had not budgeted for this but could take that amount out of their legal budget.
"Personally, I think it's a good investment," said Terenzini.
Selectman Betsey Patten moved to authorize the town to join the lawsuit for $816, and the board agreed unanimously.
Later on, in the public comment after the selectman's meeting, resident Peter Jensen asked the selectmen to reconsider their decision. He asked if the money for the retirement fund would not simply be drawn from the same source - property taxes.
"Please reconsider this suit," asked Jensen. "I don't see how we're going to save money - we're going to send money whether the state or the town disperses the money. The only assumption is that the state will disperse the money without collecting more. It seems that it's just a lawsuit that won't buy us anything, unless the suit results in lower spending."
Jean Beadle noted that the Moultonboro School Board had delayed a decision on joining the suit that week for this reason.
Patten explained that it comes down to the state downsizing the cost. The state's contribution to the retirement costs came from sources like fees and tolls, she said, not from property taxes. When the state reduces the percentage that it contributes, local towns, cities, and school districts have to make up that cost by drawing from property taxes.
"Other than school costs, the state does not tap into property taxes," Patten said. "The retirement funding has to come from a source other than property taxes, like fees and tolls. This makes local property taxes higher and higher. The state has to pay; they're doing this against the state Constitution."
Patten said that the NHMA advised them to pay, so that their employees didn't suffer, but to pay under protest. She said that it could be an extra $10,000 in 2010, and a potential extra $25,000.
Meredith News
Over the Hill Hikers celebrate 40 years of camaraderie
Library to offer wide range of events this month
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text: Outdoor Kite-fighting: Rio's surprisingly badass sport Matt Hershberger Apr 27, 2015 Follow Matador on Vimeo Follow Matador on YouTube WHEN YOU THINK OF RIO, YOU THINK of soccer. The country is so completely gung-ho about its national sport that it's hard to imagine that there are any other sports played in the city. But it turns out that Brazil has a second-favorite sport: flying kites. It's more badass than it sounds: rather than just leisurely kite flying, participants in "soltar pipas" tear up their hands on kite strings as they try to knock their opponent's kites out of the sky. The game, which is popular in the favelas, involves a lot of strategy and a lot of loss. It's basically a free-for-all on the rooftops of Rio's slums. Filmmakers Guilherme Tensol and Leandro HBL made this short on the kite-fighters of Rocinha, Rio's largest favela. What did you think of this article? Meh Good Awesome Bookmark Posted In Outdoor Destinations Rio de Janeiro, Brazil


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After the whole dieselgate scandal, Volkswagen promised to fix their diesel engines, and remove the software that would let its cars cheat on emission tests. The problem with the new fix is that their new cars actually pollute more than when the diesel models were cheating.
Volkswagen updated their 1.2-liter and 2.0-liter diesel engines to a new standard. The only engine line that needed more than a simple software upgrade are the 1.6-liter engines. This engine type also required a new flow transformer, which would help with improving the mass airflow sensor readings.
Recently, an Audi Q5 which had its cheat devices removes was tested. It turns out that this particular car released 25% more NOx gases than a cheating one. The European Consumer Organization is not happy about this finding, and wants VW to compensate European buyers, just like it did with US buyers. Volkswagen earlier claimed that fixing cars in Europe would be much easier than in the US, which is why the US got compensation and Europe did not.
The European Consumer Organization wants European governments to put pressure on Volkswagen, which should encourage them to take ethics and the fix more seriously hopefully in a timely manner.


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The hottest in Rockabilly, Rhythm & Blues, Hillbilly and 1950s style Rock'n'Roll presented by The Rockabilly DJ, Bill Smoker. A weekly podcast available for free download in MP3 format Broadcasting from the world-famous studio under the stairs in Croydon, south London. This show is also broadcast twice weekly on http://www.rockabilly-radio.net
Melifluous and genteel spin through the abbatoir of rocking music this week. And most definitely NO jazz-funk.
Crushing cadenzas from Smith Ranch Boys, Onie Wheeler, Kenny Parchman, Maddox Bros & Rose, Jimmy Murphy, Gene Vincent, Bob Luman, Sidewinders, Bluegrass Ervin, Gene O'Quin, Dorsey Burnette, Andy & Live Wires, Stillmen, Mack Self, Chuck Murphy, Paul Helms, Nick Venet, harold L & Offbeats, Tony Senn and Jimmy Ford.
Categories | Blues | Hillbilly | Rockabilly
Filetype: MP3 - Size: 52.1MB - Duration: 56:54 m (128 kbps 44100 Hz)
The Rockabilly DJ Show is an hour-long podcast and radio show. New episode posted every weekend. You can contact us via our Facebook page.
Don't forget to check the archive for hundreds more shows!


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Gone are the days of using countless brown paper bags for lunch. It's time for a more environmentally friendly approach to lunchtime. TOFFT's simple canvas lunch bag is your perfect lunchtime companion. Striped vintage cotton linings add to the retro styling and the snap fasteners make for easy access.
Key features:
All our items are handcrafted using natural fabrics and components. Bags and backpacks are made from canvas and cotton, dyed with azo-free colours. This process makes them safer to use and less harmful to the environment.
Instead of using plastic foams in fillings we have chosen jute which is a natural and strong material. All our webbing and tapes are made from cotton.


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Meet "Hillary Rodham Gump," waiting for a bus outside the White House despite having a whole damn motorcade at her command:
Gridiron Club
Not sure if that's a tourist or, like, a regular 1995 inhabitant.
Almost immediately, she drops the first of several "blank is like a box of chocolates" jokes: "The White House is like a box of chocolates -- pretty on the outside, but inside there's lots of nuts." Is ... is that a Bill Clinton joke? That sounds like a Bill Clinton joke. In any case, we know we're supposed to laugh at this point because the video punctuates each joke with an awkward close-up of Hillary looking into the camera.
Gridiron Club
"Ay dios mio."


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This first one uses stamps from Stamp Zia. The flamingo is embossed with a pink glittery ep. The background is Zia sprays and stamping. I think this was a scrap of a larger background and I was testing to see what color I actually wanted to make the flamingo (this was a long time ago). I've layered the flamingo piece onto an alcohol ink background, edged the top and bottom with the silver Krylon, added brads, a metal/epoxy embellishment, paper flowers, and sticky back glittery gems in the centers of the flowers.
This house-shaped atc again has an alcohol ink background. I ran it through a Cuttlebug folder of small hearts and then lightly rubbed the Adirondack pigment white pad over it and dried it with a heat tool. Tore a piece of text from an old dictionary and glued it across. Added the center quote (Quietfire Design). Painted a cardstock flourish I had cut with the Cricut quite some time ago with the Adirondack gold paint dabber and added it along with a red paper flower. Made the gold dots in the flower and gold dashes around the edge with Smooch.
This last atc uses a scrap I had left after trying out Tim Holtz's Perfect Distress technique. Stamped the quote (Tim Holtz) on it, tore the edges, and layered it to a black atc blank. Colored the edges with a paint dabber. Added the flower and a dew drop in the center. Used Smooch to add some gold in the flower around the dew drop and to add dots to the two corners of the atc.