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Fast Facts: Higher Education Finance Group
- Dedicated higher education coverage nationwide
- Perennially a top-ranked higher education lead manager
of negotiated issues
- Ability to provide credit and liquidity facilities, direct purchases and derivative products directly from a stable and highly rated counterparty
- Specialists in select product areas, including privatized student housing, asset monetization, and mergers and acquisitions
Areas of Expertise
We are a leading underwriter to the sector. Our core capabilities include traditional general receipts revenue bonds, certificates of participation, auxiliary revenue bonds and project based financings. Additionally, our team was instrumental in developing the privatized student housing financing model currently being used throughout the industry.
Investment Banking
- Corporate IG Bond Underwriting
- Tax-Exempt Bond Underwriting (U.S.)
- Private Placements
- Corporate Banking and Syndicated Credit
- Derivative Structuring and Strategies
P3 and Asset Monetization
- Public-Private Partnerships
- Privatized Student Housing
- Asset Sale and Sale-Leaseback Strategies
Advisory and M&A
- Debt portfolio structure and liquidity strategies
- Quantitative Analysis
- Affiliation advisor to higher education institutions seeking partnerships
- Strategic advisor to bondholders of distressed higher education institutions
- Solicitation of Equity Capital
Comprehensive Distribution Capabilities
RBC's higher education clients also benefit from an extensive securities distribution network that provides access to a broad base of taxable and tax-exempt investors for college and university credits. This includes a geographically diverse institutional sales force, a New York-based short-term market group and an extensive retail sales force. Our extensive platform is complemented by a full suite of in-house municipal products and related services, including:
- Liquidity facilities and LOC's for variable rate demand bonds
- Tax-exempt direct purchases
- Investment and cash management solutions
- Academic medical center specialists
- Term loans, revolving lines of credit and bridge loans
- Comprehensive menu of derivative products
- Privatized student housing and asset monetization specialists
- Full-service commodity sales and trading platform
Privatized Higher Education
Our Privatized Higher Education Finance Group provides comprehensive financing solutions through public-private partnerships for our college and university clients and their non-profit, development and management partners for a wide variety of capital projects, including student housing, dining, parking and other auxiliary facilities, using an array of taxable and tax-exempt debt structures, as well as various equity options.
Recent Transactions
National Coverage
Co-Head of Higher Education
P3 Higher Education
Mr. Baird is a Managing Director and the Co-Head of the Higher Education Finance Group in the Municipal Markets Division of RBC Capital Markets. He joined the firm in 2003, when he opened our Baltimore investment banking office and started our P3 Higher Education practice. Mr. Baird specializes in structuring innovative solutions to meet the specific needs of our higher education clients. He has extensive experience financing and refinancing various project-based funding programs, including all types of taxable and tax-exempt, fixed and variable rate structures. He has also developed an expertise in structuring project specific programs utilizing such techniques as net lease financing and various privatization models. Some of his clients have included the Texas A&M University System, the University of North Carolina System, the Pennsylvania State System of Higher Education, the University System of Maryland, Louisiana State University, the University of Oklahoma, Texas Woman's University, Illinois State University, University of Illinois at Chicago, University of Colorado, Southern Oregon University, Portland State University, Arizona State University, Eastern New Mexico University, Howard University, University of Akron, Northeast Ohio Medical University, Montclair State University, Rowan University, College of Staten Island, Florida Atlantic University, University of Louisville, Virginia State University, Maryland Economic Development Corporation, Collegiate Housing Foundation and Provident Resources Group.
Mr. Baird has over 30 years of investment banking experience, including 26 years as a Public Finance Banker. He has participated in hundreds of taxable and tax-exempt financings, totaling over $15 billion in aggregate principal amount. Prior to joining RBC Capital Markets, Mr. Baird was a member of the Public Finance Groups of Legg Mason Wood Walker, William R. Hough & Co. and Alex. Brown & Sons. He has an MBA and a BBA in Finance from Loyola University Maryland. He is a Municipal Bond Principal and has his Series 7, 50, 53 and 63 registrations.
Managing Director, Colorado
Jon serves as Manager of RBC's Denver Public Finance office, the leading underwriter of tax-exempt and taxable municipal securities in Colorado and the Rocky Mountain Region. He is charged with further expanding the firm's presence in Colorado and throughout the Western Region. Jon has more than 20 years of experience serving state and local government, providing clients with financial products and access to the tax-exempt and taxable capital markets in 17 different states. He frequently serves the region's largest governmental entities including the states of Colorado, Idaho, Montana, and Oklahoma; the cities of Aurora, Denver, Fort Collins, Kansas City Kansas and Salt Lake City; the University of Colorado, Colorado State University, University of Denver, Metropolitan State University of Denver, Regis University; and the Department of Transportation in Colorado, Montana, Nebraska and Oklahoma, Denver Regional Transportation District and Tulsa International Airport Authority. In addition to the transactions listed above, Jon brings innovative financial solutions to a development and redevelopment projects including Denver Urban Renewal Authority and RainDance Metropolitan Districts; and numerous other special districts, public private partnerships, improvement districts and urban renewal authorities.
A fourth generation native of Colorado, Jon holds a Bachelor of Science degree in Business Administration with a concentration in Finance from Colorado State University and a Juris Doctor degree from the University of Colorado School of Law. Jon holds Series 7, 24, 50, 53, 63 and 79 FINRA licenses.
Christopher is a Director of RBC Capital Markets, LLC, with public sector investment banking experience providing debt capital markets, derivative, corporate banking and strategic solutions to higher education, health care and not-for-profit organizations.
He has completed financings and strategic assignments for a wide range of public and private higher education institutions and academic medical centers.
Additionally, Christopher has a special focus in the monetization of higher education infrastructure through public-private partnerships, as well providing strategic advice for higher education institutions considering mergers and affiliations, international partnerships and debt restructuring.
Christopher holds a Bachelor of Arts from Miami University and Masters with concentration in Public Finance from the University of Pennsylvania. He holds the Series 7, 50, 63 and 79 securities licenses.
Managing Director
P3 Higher Education
Sara Russell is a Managing Director in the Municipal Markets division of RBC Capital Markets, LLC. Her responsibilities include providing investment banking and advisory services related to the issuance of tax-exempt and taxable bonds for a variety of municipal finance and non-profit clients. She has a specialty focus in the higher education sector and significant expertise in the financing of privatized student housing. Building on her quantitative background, Ms. Russell has developed an expertise in negotiating and executing a variety of financing structures, including fixed and variable rate bonds, credit enhanced issues, public offerings and private placements for general obligation, revenue bond, lease-backed and project finance transactions. She has financed more than $8 billion in student housing and other education projects nationwide as well as $5 billion for other not-for-profit and municipal finance clients. Some of her higher education and student housing clients have included Illinois State University, University of Illinois at Chicago, Northern Illinois University, Louisiana State University, University of Louisiana at Lafayette, the University of North Carolina System, Millersville University of Pennsylvania, Pennsylvania State System of Higher Education, Delaware State University, Southern Oregon University, Texas A&M University System, Texas Woman's University, University of Oklahoma, University System of Maryland, Cleveland State University, Montclair State University, Rowan University, Florida Atlantic University, Grambling State University, Howard University, University of Tampa, University of Toledo, University of Wyoming, Maryland Economic Development Corporation, Collegiate Housing Foundation and Provident Resources Group.
Ms. Russell has nineteen years of experience as a public finance banker. Prior to joining RBC Capital Markets in 2005, she was a Vice President in the Public Finance Department at Legg Mason Wood Walker, Incorporated. Ms. Russell graduated summa cum laude from Notre Dame of Maryland University with a degree in finance and economics and holds her Series 7, 63 and 50 securities licenses.
Regional Coverage
Managing Director
Mr. Boles is a Managing Director in the Dallas Municipal Finance office of RBCCM. He is a Regional Manager, overseeing the operations of our Dallas, Houston, San Antonio, and Denver Municipal Finance offices. He is also a member of the Firm's Operating Committee.
Mr. Boles has been with RBCCM since 1991 and has been involved in financings during that period for a variety of issuers. In those 27 years, Mr. Boles has served as an investment banker or financial advisor to virtually every type of tax-exempt issuer, including school districts, counties, cities, public and private universities, community colleges, state agencies, healthcare providers and special districts. Mr. Boles' experience has included all aspects of refunding and new money transactions in both long and short term modes, including virtually all types of security structures, as well as certain derivative instruments. As a manager, he is responsible for the formation and implementation of strategic initiatives for the firm's Municipal Finance Group in Texas and Colorado.
Mr. Boles is a Certified Public Accountant and a registered securities representative, currently holding Series 7, 24, 50, 53, and 63 licenses. He previously served as a member of the Board of Trustees of the Municipal Advisory Council of Texas (2011-2015) and as Chairman of the Board (2013-14). Mr. Boles holds a BBA from the University of Texas at Austin and a MBA from Southern Methodist University.
Managing Director
Greg Dawley is a Managing Director in the Los Angeles office & California Regional Municipal Manager for RBC Capital Markets.
Mr. Dawley has served over 23 years in the municipal finance and governmental industries. He focuses on a wide range of issuers throughout the Western Region, including those in the general government, utilities, public power, transportation, higher education and K-14 sectors.
Before his career in public finance, Mr. Dawley served as Assistant Chief of Staff to Los Angeles Mayor Richard Riordan. Previous firms include Morgan Stanley, Merrill Lynch, Banc One Capital Markets and J.P. Morgan Securities.
He is active in his community, serving on the Advisory Board of the Taubman Center at Harvard University's JFK School of Government.
Mr. Dawley graduated with an M.P.P. from the University of Southern California and a B.A. in Political Science from the University of Michigan.
Managing Director
South West
Mr. Freund is a Managing Director for RBC Capital Markets, LLC, the Manager of the firm's Arizona municipal banking operations and a member of the firm's Municipal Banking Management Committee. Mr. Freund is among the most experienced investment bankers working in the municipal finance arena and has extensive experience across a broad range of municipal financing structures. He has worked with virtually all types of issuers and political subdivisions over a career in the municipal bond industry that spans more than 25 years. During that time, he has led financings for state agencies, counties, cities, public universities, community colleges, nonprofit hospitals and a number of special financing authorities. Among the municipal entities he works extensively with in Arizona are the Governor's Office and many of the large State agencies, including the Arizona Department of Transportation, as well as all three of Arizona's public universities. Over the many years he has been in the business, Mr. Freund has developed and successfully completed many public/private partnership financings for facilities such as the University of Phoenix Football Stadium, several Cactus League baseball facilities, various mixed used developments and many other local development projects.
Prior to becoming an investment banker, Mr. Freund served in a senior staff role for seven years with the Arizona State Senate, including as the Senior Financial Advisor to the Senate where he was responsible for drafting and analyzing legislation concerning statewide tax and expenditure policy. He has developed and drafted many Arizona statutory provisions, and is regularly called upon by the Governor's Office and the Legislative leadership and staff to provide input and advice on legislation and public policy issues.
Mr. Freund is registered with the Financial Industry Regulatory Authority, Inc. and maintains Series 7, 24, 52, 53, 63 and 79 securities licenses. He holds a Bachelors degree in economics from Arizona State University.
Director, Northwest
Ms. Janke joined RBC Capital Markets in 2005 and serves as a banker for a broad range of municipal issuers and credits in the Midwest and nationally, including states, counties, cities, higher education institutions, airports, and housing authorities. Her recent experience includes financings for the State of Minnesota, State of Wisconsin, University of Minnesota, Minnesota Higher Education Facilities Authority, Minneapolis-St. Paul Metropolitan Airports Commission, State of Alaska, and Alaska Municipal Bond Bank.
Ms. Janke graduated from Carleton College with a degree in Economics and holds Series 7 and 63 licenses. She is a founding member and Vice President for Membership of the Minnesota Chapter of Women in Public Finance. In addition, she was the 2016 President of the Minnesota Institute of Public Finance and a 2015-16 Policy Fellow at the University of Minnesota Humphrey School of Public Affairs. Prior to joining RBC, Ms. Janke was a member of the financing and development team for a public power facility in Minnesota.
Director, Midwest
Jim Kelly brings over 22 years of experience working with municipal issuers across the country on a wide variety of credits, including the past 5 years at RBC. Mr. Kelly has extensive experience serving municipal issuers to develop financing strategies, new credit structures, and rating agency approaches for both new and existing credits. Among the many clients James has led transactions for, his experience includes higher education revenue bonds, user fee revenue bonds, special tax bonds, economic development bonds, and pension issues. Jim has worked with the University of Chicago, Kansas State University, the University of Oklahoma and Oklahoma State University, among other higher education institutions.
Mr. Kelly's experience has included all aspects of new money and refunding transactions in both long and short-term modes. As an expert in pension financing, James has worked on many financings involving taxable debt and has an acute sense of that market. Mr. Kelly is a registered securities representative, currently holding Series 3, 7, Series 53, and Series 63 licenses. He holds a BS in Finance and Accounting form Miami University in Ohio and an MBA from the Northwestern University Kellogg Graduate School of Management.
Managing Director
Mr. Puig is a Managing Director in the New York City and Albany Municipal Finance offices of RBC Capital Markets. He serves as the Co-Head of the New York Group and is a member of RBC's large issuer practice team and the firm's Municipal Markets Transaction Review Approval Committee.
Mr. Puig joined RBC Capital Markets in 2006, after twenty-two years at First Albany Capital. During his 30 year career in municipal finance, Mr. Puig has served as lead relationship banker for many of the largest and most sophisticated municipal issuers in the tax-exempt market, including the Dormitory Authority of the State of New York, the New York State Thruway Authority, the Empire State Development Corporation, the Metropolitan Transportation Authority, New York City, the Commonwealth of Massachusetts and the State of Connecticut.
He has also been integrally involved since inception with the development and capital plan implementation for one of the largest public private partnerships in the US, the State University of New York College of Nanoscale Science and Engineering's ("CNSE") research facilities in Albany and Marcy. Through 2013, New York State and over 100 private companies including IBM, Intel, Tokyo Electron, Taiwan Semiconductor, Samsung and Global Foundries have invested over $5 billion in facilities and programs at CNSE.
Mr. Puig is a registered securities representative holding Series 7, 24, 53 and 63 licenses. A graduate of Siena College and the Albany Law School of Union University, Mr. Puig has served as President of the Albany Boys and Girls Club , Treasurer of WMHT Public Television and Radio and Treasurer of the Albany Ronald McDonald House. He also serves or has served as a board member of the Interfaith Partnership for the Homeless, the Albany Institute of History and Art, The Center for Disability Services, Living Resources Foundation, the New York State Thoroughbred Capital Investment Fund and the Albany County Investment Advisory Board.
Case Studies
New Hope Central Education Facilities
Capital improvement, Student Housing & Dining Revenue Bonds
- CHF–Collegiate Housing Denton, L.L.C. ("CHF") was established by Collegiate Housing Foundation to fund a 515-unit/875-bed student housing project with related community and support facilities and a 26,000 square foot dining facility (collectively, the "Projects") on the Denton campus of Texas Woman's University (the "University")
- The Projects were financed under a privatized project finance structure with two separate bond issues that were cross-collateralized. The housing bonds closed in March 2018, while the dining bonds closed in August 2018.
- Under the privatized project finance structure, the University has ground leased the land on which the Projects are located to CHF for 50 years. CHF, at the direction of the University, entered into contracts relating to design, development, and construction of the facilities, which it will own for the life of the financing. At the end of the term of the ground lease, the improvements will revert to the University.
- The ground lease contains provisions outlining the University's support for the Projects, including treating it as part of its on-campus student housing program on an equal basis with its existing facilities. The University will also serve as the property manager, will take two of its existing housing facilities offline, and will leaseback the dining facilities on an annually renewable basis.
- RBCCM took an aggressive approach to marketing the bonds, including an extensive pre-marketing campaign with a web-based investor presentation and site visits capitalizing on the strong project metrics and the unique credit structure. As a result, we realized strong demand for the bonds and a successful sale of both bond issues.
- Orders totaled approximately $580 million for the first phase of the transaction, an oversubscription of over 8.0 times. Consequently, RBCCM adjusted yields from 1 to 12 basis points throughout the entire maturity structure.
- Following up the success of the first phase, the second phase received $128 million in orders, which was a 6.6x oversubscription. As a result, RBCCM adjusted yields from 1 to 8 basis points throughout the entire maturity structure.
Illinois Finance Authority
Student Housing & Academic Facility Revenue Bonds
- In December of 2017, RBCCM served as senior managing underwriter on approximately $95 million of tax-exempt and taxable, fixed rate bonds, the proceeds of which were loaned to CHF – Chicago, L.L.C. ("CHF") to finance 550 beds of student housing, 51,000 square feet of academic space and 1,700 square feet of retail space (the "Project") on the campus of the University of Illinois at Chicago (the "University"). The Project will include contained in one integrated building.
- RBCCM utilized a privatized student housing model, where the University will lease the land on which the Project will be located to CHF for 40 years. CHF, at the direction of the University, entered into contracts relating to design, development, and construction of the facilities, which it will own for the life of the financing. At the end of the term of the ground lease, the improvements will revert to the University.
- The ground lease contains provisions outlining the University's support for the Project, including treating it as part of its on-campus student housing program on an equal basis with its existing facilities.
- While the on-going operations and maintenance will be managed by American Campus Communities, the University will provide residence life and programming services, as well as marketing, leasing and rent collection.
- The University is leasing the academic space, making annual lease payments from certain mandatory student fees.
- The University also chose to make an equity contribution of approximately $8.6 million at closing to fund the entirety of the retail space and a portion of the academic space.
- RBCCM engaged in an extensive marketing campaign for the bonds for several weeks prior to pricing, including a web-based investor presentation and one-on-one investor calls, capitalizing on the prime location of the Project and the unique credit structure. Despite extreme turbulence in the market due to proposed tax-reform and ban on advance refundings, RBCCM realized strong demand from investors.
- Orders totaled approximately $1.49 billion for the transaction from 35 different accounts, an oversubscription of over 14.9 times. Consequently, RBCCM recommended yield adjustments ranging from 1 to 18 basis points throughout the structure.
University Center, Chicago Asset Monetization
- On July 20, 2017, RBCCM completed a unique investment banking / strategic advisory assignment for the Educational Advancement Fund (the "EAF") – a non-profit organization jointly created by DePaul University, Roosevelt University and Columbia College Chicago for the purpose of financing, constructing, operating and maintaining the University Center Chicago (the "UCC")
- UCC is a ~1,700 bed student housing, conference and retail facility in Chicago's inner loop, established for the purpose of housing students from the three academic institutions and advancing their educational mission
- The UCC was financed with $151 million in tax-exempt bonds in 2002 (ratings of Baa2 Moody's / BBB Fitch), which were subsequently restructured in 2006, and were outstanding in the amount of $126.725 million and currently callable
- RBCCM conducted extensive valuation analysis of the asset and recommended pursuing the sale process through which the UCC will be monetized through sale to a qualified investment party
- RBCCM is serving as advisor to the Educational Advancement Fund, in partnership with the broker CB Richard Ellis
- In the concession, member institutions of the EAF have entered into master lease agreements for a defined number of beds, with a predetermined rate of rent increase, in exchange for the purchase price of the UCC
- Purchase price will be netted against the outstanding debt, resulting in distributions to the member institutions to enhance their educational mission
- In the dissolution of the debt, certain reserve funds in excess of $20 million will also be released back to the member institutions
- Distributions to member institutions will be utilized to reduce deferred maintenance on other campus facilities, as well as for academic programming, research and student scholarships
- RBCCM's engagement included an analysis of the underlying bond documents, covenants and market conditions to determine the viability of a sale and debt defeasance, detailed work with the three member institutions to determine their objectives in a sale and participation in an ongoing master lease, preparation of offering documents and negotiations with potential counterparties
- The transaction closed July 20, 2017, with a sale price of $201 million paid to the Educational Advancement Fund
Regents of the University of Minnesota
General Obligation and General Obligation Refunding Bonds
General Obligation Taxable Refunding Bonds
- Proceeds of the Series 2017A bonds are being used to finance various capital improvements including construction of a new Athletes Village which will serve as the hub and flagship for the University's Twin Cities Department of Intercollegiate Athletics. Proceeds of the Series 2017B&C bonds are being used to advance refund approximately $316 million of outstanding University debt for PV savings of $28.6 million.
- As part of the multifaceted marketing approach, RBCCM and RBC Wealth Management co-hosted a reception for retail and institutional investors to draw attention to the issuance of the bonds.
- RBCCM aggressively marketed 25 years of tax-exempt serial bonds at relatively tight spreads and utilized the natural bifurcation between the two series to use lower coupons for certain callable refunding bond maturities.
- The tax-exempt bonds attracted $603 million of priority orders including participation from 43 institutional investors. RBCCM tightened some maturities by a basis point on a day when MMD was ultimately cut 1-2 bps across most of the curve in a third consecutive day of rate cuts.
- Some of the shortest tax-exempt maturities struggled to achieve sufficient interest due to the low absolute interest rate levels, and RBCCM made a commitment to underwrite $38.3 million (in addition to a commitment of $37.4 million on a sealed bid) with no adjustments to yields.
- The taxable bonds achieved very strong orders of $57.0 million or 4.3x subscription, so RBCCM tightened spreads by 8 to 13 bps between the indications of interest in the morning and final pricing. 14 institutions ultimately participated at the time of pricing launch.
- 56 institutional investors participated in the combined issue


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Shuttlepod 1 was an United Earth shuttlepod that was in service with Starfleet in the mid-22nd century, attached to Enterprise. It was the replacement pod for the original that was scuttled in an alternate 1944. (ENT: "Storm Front, Part II")
Shuttlepod 1 was assigned to Enterprise after the ship's mission in the Delphic Expanse and the resolution of the Xindi crisis in 2154.
Shuttlepod 1 was modified for a covert insertion into Vulcan's Forge in 2154. It was equipped with longer wings and a "stick-and-rudder system." The pod was intercepted and damaged by a pair of Vulcan patrol ships, forcing it to turn back to Enterprise. (ENT: "Awakening")
Shuttlepod 1 was in the launch bay where the Quinn Erickson anomaly appeared on Enterprise for a third time. ("Daedalus")
Pod 1 was used by Commander Tucker and Ensign Sato to return to Enterprise from a M class planet, where they were excavating a Klingon garbage site. Tucker started coughing uncontrollably and eventually collapsed before they arrived, forcing Sato to pilot the shuttlepod into the launch bay herself, something she had only done in simulations before. Captain Archer order the shuttlepod to be inspected to check if any of its environmental systems were the cause of Tucker's condition. (ENT: "Observer Effect")
The Tellarite delegation, including Ambassador Gral, that Enterprise was assigned to transport to the planet Babel for trade talks with the Andorians arrived from Tellar Prime in Shuttlepod 1. (ENT: "Babel One")
In 2155, while giving reporter and old flame Gannet Brooks a tour of Enterprise, Mayweather showed her the launch bay and the interior of Pod 1. (ENT: "Demons")
Pod 1 was was used to covertly land on Mars during the Terra Prime incident. The pod was flown behind the comet Burke, and its inertial dampers were taken off-line, to conceal itself as a chunk of the comet on the approach to the planet. The shuttlepod was sabotaged, and once it was in the Martian atmosphere, the control console locked up and the hull plating went offline. Mayweather was able to recover and land the craft near the Carl Sagan Memorial Station. (ENT: "Terra Prime")
In 2370, a historical holographic program of the final voyage of Enterprise in 2161 included a recreation of Pod 1. (ENT: "These Are the Voyages...")
|22nd century shuttlepods
|Shuttlepod 1: 2151-2154, 2154-2161 • Shuttlepod 2 • NC-05 • Unnamed
|Mirror universe: Shuttlepod 1

subset: commoncrawl


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Decoration: Embroidery
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A picture saves thousands of words and in the same way; a website saves thousands of workers. For better promotion of your business across the globe, if you have launched a website but have least number of visitors then you should have to discover the best strategies to boost the rank of your website in the Search Engine Result Pages. A website, out of the sight of a great number of regular visitors in the World Wide Web disconnects the best possibilities. Visibility of a website on the popular Search Engines is the key issue that brings more traffic and thus plays an important role in expanding businesses globally. Let you see the points that play a crucial role in bringing a website in limelight.
Distance matters:
There are millions of stars in the sky but how many of them are popular unlike the sun? Even a three year old child is familiar with the sun. The distance of the sun that makes it more visible is the key concern, which makes it a significant star amongst millions and trillions. In the same way, if you have a website but far enough in the SERPs then you can easily assume the reality! Would the site play a vital role in business promotion? Does the site remain in a position to connect millions from across the globe? So, the distance from the potential visitors matters. Until you prioritize this issue with proper knowledge, you cannot attain the best advantages of having a website.
Toppers are prioritized:
Behind the increased popularity of the Search Engines the important reason is offering prompt web information. In this era of fast life, when people follow a hectic schedule, they find lesser time to spend for searching a relevant website on the World Wide Web. So they take the help of the Search Engines and the toppers in the SERPs are prioritized by them. If your website isn't significantly positioned by the Search Engines then there is a least probability of getting innumerable visitors. So, if you want to have a profitable website instead of a mere website then it should be a well-positioned one on the SERPs.
Boost the Rank of Your Website:
Before you plan to get connected with millions through your website, you should plan for boosting the visibility of your website in the SERPs against the searched keywords. Search Engine Optimization is the process to follow to meet your requirement in this context. Experts are there to provide you the needed solutions with their years of professional experience. They have the best strategies to implement for boosting the rank of your website in the popular Search Engines against its set keywords.
Role of a SEO Expert:
A SEO expert discovers an effective strategy to follow by the SEO executives for promoting the website in the popular Search Engines like Google, Yahoo, etc. Before applying the time-tested as well as advanced SEO strategies, they set appropriate keywords for the website by analyzing the website in detail. The keywords, chosen by the experts, help connecting the targeted online audience with the website and start the process of targeting more number of potential customers or clients. With the help of professional SEO services Kolkata, offered by an experienced SEO expert Kolkata you can meet your website promotional needs effectively. Let your website be visible to millions and thus a popular one also by taking proper steps before it makes you a millionaire.
Article source: https://article-realm.com/article/Internet-and-Businesses-Online/SEO/2559-A-Website-Popular-to-Millions-is-enough-to-make-the-Owner-a-Millionaire.html
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Weekly Scripture Memory
Weekly scripture memory taken from John MacArthur's Scripture Memory System, using the English Standard Version.
May 12 2019
John 13:34-35
34 A new commandment I give to you, that you love one another: just as I have loved you, you also are to love one another. 35 By this all people will know that you are my disciples, if you have love for one another."
May 5 2019
Galatians 2:20
I have been crucified with Christ. It is no longer I who live, but Christ who lives in me. And the life I now live in the flesh I live by faith in the Son of God, who loved me and gave himself for me.
Apr 28 2019
Matthew 5:16
In the same way, let your light shine before others, so that they may see your good works and give glory to your Father who is in heaven.
Apr 21 2019
Romans 10:9-10
9 because, if you confess with your mouth that Jesus is Lord and believe in your heart that God raised him from the dead, you will be saved. 10 For with the heart one believes and is justified, and with the mouth one confesses and is saved.
Apr 14 2019
Psalm 63:1-3
O God, you are my God; earnestly I seek you;
my soul thirsts for you;
my flesh faints for you,
as in a dry and weary land where there is no water.
So I have looked upon you in the sanctuary,
beholding your power and glory.
Because your steadfast love is better than life,
my lips will praise you.
Apr 7 2019
Titus 2:12-13
12 training us to renounce ungodliness and worldly passions, and to live self-controlled, upright, and godly lives in the present age, 13 waiting for our blessed hope, the appearing of the glory of our great God and Savior Jesus Christ
Mar 31 2019
2 Timothy 2:15
Do your best to present yourself to God as one approved, a worker who has no need to be ashamed, rightly handling the word of truth.
Mar 24 2019
1 John 2:15-17
15 Do not love the world or the things in the world. If anyone loves the world, the love of the Father is not in him. 16 For all that is in the world—the desires of the flesh and the desires of the eyes and pride of life—is not from the Father but is from the world. 17 And the world is passing away along with its desires, but whoever does the will of God abides forever.
Mar 17 2019
John 3:16-17
16 "For God so loved the world, that he gave his only Son, that whoever believes in him should not perish but have eternal life. 17 For God did not send his Son into the world to condemn the world, but in order that the world might be saved through him.
Mar 10 2019
1 John 4:9-10
9 In this the love of God was made manifest among us, that God sent his only Son into the world, so that we might live through him. 10 In this is love, not that we have loved God but that he loved us and sent his Son to be the propitiation for our sins.


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It is true to state that Korean film industry is dominated by real beauties. Maybe, the physical look of the actors and actresses add in more value and viewership. Am not sure but the truth is that those actresses are so beautiful beyond reasonable doubt. The beauty that has made the Korean movies penetrates in nearly all the countries. However, even all the position 1 if given a test, a top and bottom will still come up. Though all the actresses in Korea are beautiful, there are those we can term as most beautiful. The following is a complete listing for the top 10 most beautiful Korean actresses 2020. Scroll the list!
10. Song Hye Kyo
The 34 years old is a face in Korean film industry with various performances. Her role in the drama ' Endless Love' is recommendable. From her physical appearance to her grooming, yes she is beautiful.
9. Han Ye Suel
Han Ye Suel also known as Leslie Kim is a name that cannot miss in this great listing. Though born in US California, her move to Korea in 2001 in the field of film has never been regretted by her. She has perfomed so well that she has become part and parcel of the great Korean film industry. When you see her perfoming or strolling along the streets, you will certainly come to terms with the meaning of beauty.
8. Lee Da Hae
Lee is a 30 years old Korean actress who has since ever showed a lot of dedication and passion for films. "Miss Ripley" and "My Girl" brought her full potential to reality as well as her fame. She is very innocent looking yes but very beautiful too.
7. Ha Ji Won
Do you recall that hit, the SBS's romantic comedy dubbed "Secret Garden?" If you do then you are conversant with Ha Ji Won and if not, the movie still sales. Her performance and beauty have since made her win 2 Awards for The Best Actress in Korea.
6. Jun Ji-Hyun
According to her, this great model, though never managed to be a flight attendant as she dreamt of, she is very comfortable with her place currently. She begun with modeling and ended up in film industry and really she is fits her. She is of course very beautiful.
5. Shin Min Ah
Shin is similarly not a new name in Korean celebrities' public domain. Her fame dates back to 1998 with Kiki, a teen magazine, where she was a model. She has done tremendous plays and films that have seen her through to attaining various awards and recognitions. Beauty exists in her face and that is a fact.
4. Park Shin Hye
"Stairway to Heaven" which was staged in 2003 is one of the drama that facilitated Park Shin Hye's popularity. Currently, she ranks 3rd most beautiful of all the Korean based actresses.
3. Han Ga In
For Han to be selected for commercial advert with an Asian Airline, she might have proved to be a beauty. Airlines associates with beauty as evident with the look of air hostesses; all beautiful. Her outstanding performances and cool look made her step forward in the film industry.
2. Yoon Eun Hye
Dating back to 1999, Yoon has maintained top notch with the name becoming so common whenever beauty within Korean film industry is mentioned. Her current standings originated from earlier performance while with Baby V.O.X Girl Group in 1999 when she was only 15. Her beauty puts her at second place after Choi Ji Woo.
1. Choi Ji Woo
Missing to mention this name can make this topic irrelevant. She ranks the top in the list of the top 10 most beautiful Korean actresses 2020 not by chance but rightfully. Her position as the most beautiful has been since acknowledged by many including her fellow beauties in the same field. Her 1995 'War and Love' are some of her reputable archives.


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If you're new here then a warm welcome to you too! Here you'll find a fun party with lots of recipes to check out and you'll find something yummy to put on your dinner table tonight. This past weekend was a foodie paradise and I'm featuring unique recipes this week in honor of my past weekend.
Last weekend I attended Everything Food Conference. This is my fourth year and I have no idea how they manage to keep getting better and better. There are classes, food, networking, food, sponsors and did I mention food?
One of my favorite parts this year was the "Dinner Around Town." This was a new event and hands down, very popular. Several of the sponsors hosted a dinner out to a local restaurant or to the culinary school creating a special menu for each event.
Where did I go for dinner? Who sponsored it? Give me the details!
I attended the dinner sponsored by California Ripe Olives. This event was chosen because I have never met an olive I didn't like and we were told the chef at the selected restaurant would prepare a special menu featuring olives.
Cooking with olives is a favorite of mine and I have created a Black Olive Hummus and a unique Olive and Avocado Egg Roll Appetizer in the past. What's not to like?
The restaurant selected was Table X. Its located in an old building south of Salt Lake and the interior has a clean and open feel. Their recipes feature fresh ingredients they grow themselves in raised bed gardens behind the restaurant. How cool is that?
The food that was sure to tickle my tastebuds
The items on the menu… oh my goodness! They included:
- California Ripe Olive Amuse Bouche appetizer
- Buratta salad with olive cracker
- Main dish options of leg of lamb or vegetable steak. Each had a green ripe olive rosemary rub and accompanied by toasted farro and asparagus. I chose the vegetable steak.
But the topper was the dessert; olive oil cake with black olive ice cream & caramelized mandarin oranges. It totally worked!
In honor of this unique meal, our features are unique as well. Enjoy!
Now… Lets get Tickle My Tastebuds going!!!
I am so happy you are here! Each Tuesday, I will be partying with you and you and you as you Tickle My Tastebuds! Thank you for making every week another success. You are all amazing.
THANK YOU for coming each week to Tickle My Tastebuds!!!
Now for the rules (cuz you know we have to have some)…
Please note, by linking up your posts and recipes, you are giving Lori's Culinary Creations permission to use your photos in the featured posts and on social media outlets. All photos will be linked back to your sites and respective posts.
We'd love it if you'd share our party with your friends!

Each week, I will choose recipes from the previous week to be featured! Each featured recipe will be pinned!
This week in honor of the unique menu Table X provided at our dinner, I am featuring unique recipes. Enjoy!
Keema Pulao by The Not So Creative Cook
Bourbon Lime Salmon by Mrs. Kringles Kitchen
If you were featured, grab this cute little button for your blog.

Follow Lori's Culinary Creations's board Recipes from Tickle My Tastebuds Tuesdays on Pinterest.


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On June 18, 1812, the United States declared war on Great Britain--the most powerful nation in the world. Britain was in the midst of a long and perilous struggle with Napoleon's France, convincing President Thomas Jefferson that taking Canada would be "a mere matter of marching."
Jefferson was terribly wrong. In this book Ron Dale traces the course of this gruelling two-year conflict, bringing to life people and engagements that have become legendary in Canada: General Brock's stand at Queenston Heights, Tecumseh's death at Moraviantown, Laura Secord's epic trek through the woods. He also recovers some equally important, but more obscure results of the conflict, including how the Bank of Nova Scotia was created with privateering prizes from the war.
Illustrated throughout with full-colour paintings and modern photography, The Invasion of Canada is a readable, appealing guide to a war that both sides won.
Goodreads Reviews+
More from this publisher


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I've finally finished the signs. They didn't take that long, I just needed to buy varnish, so I wasn't able to finish them for a few days.
I'm going to be putting these up in the library at the school where my mum works, but I love these so much I think I'll have to make some for my home.
Can you figure out which books all these places belong to? (And yes, they're rainbow on the back. What other colour combination would I choose?)


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With the air being full of festive pleasure, the month of November in India holds a particular curiosity for vacationers. Actually, the nation has at all times lured vacationers from world wide and one of many main causes being the festivals and occasions which occur on this magnificent land. And we've to agree the greatest festivals in India happen through the month of November. Furthermore, this yr, 2018, November holds some very particular occasions and festivals of India which could simply seize your consideration and curiosity. To know extra in regards to the numerous occasions and festivals of India, hop alongside this thrilling trip with me and discover the varied occasions and festivals going down within the nation in November 2018.
1. Chhath Puja
One of many distinctive festivals of India, Chhath Puja is taken into account as an eco-friendly Hindu pageant. This pageant is devoted to the Solar God and his spouse Usha. This pageant is widely known with a lot enthusiasm and perception all throughout India and a few elements of the world like Nepal, USA, UK and chosen areas of Africa. This pageant is taken into account a serious one within the Indian States like Bihar, Odisha and West Bengal. Other than being celebrated in numerous areas of the world, the celebrations embrace the varied seasonal fruits; sweets like the normal Thekua as a prasad.
The place: Bihar, Uttar Pradesh, Odisha, West Bengal, Mumbai, Delhi, Nepal, USA, UK and a few areas of Africa.
When: 11th- 14th November 2018
2. Wangala Pageant- The Sound of 100 Drums
You'll get so excited simply by witnessing the grand celebration of Wangala Pageant. Celebrated with the assumption of being grateful to the Solar God for giving an excellent harvest to the individuals, the celebrations of this pageant roars like a lion. Also referred to as the pageant of 100 drums, it absolutely does justice to its identify and the Garo Tribe makes certain of it.
The place: Garo Hills, Meghalaya
When: 2nd week of November 2018
Be aware: Related pageant is widely known by Khasi individuals of Meghalaya and is known as Ka Pomblang Nongkrem.
3. Rann Utsav
A superb view of land full of salt accompanied by people dance and music is what the common pageant of Rann affords. Organised by the residents of Kutch in collaboration with the Gujarat Tourism, Rann Utsav has succeeded immensely in gaining curiosity and a spotlight of vacationers. The pageant not solely affords cultural fiesta but additionally an alternative of procuring for handicrafts and handlooms or having an aerial view of Rann of Kutch in a sizzling air balloon. Be part of this must-see pageant which can happen within the month of November and expertise the fantastic thing about this place. It will likely be among the best matters you'd watch in November.
Enjoyable Truth: This pageant can be celebrated until February 2019.
The place: Rann of Kutch, Dhordo, Gujarat
When: 1st November 2018- 20th February 2019
4. Worldwide Yoga and Music Pageant
To get interior peace you don't have to show into Grasp Shifu and meditate in a cave for thousand years, somewhat as a shortcut you may merely go to the Worldwide Yoga and Music Pageant. This distinctive pageant occurs within the yoga capital of the world- Rishikesh and the only motive for attending it's the actions that can absolutely enable you to discover interior peace, the ambiance will act as an addition to the cleaning course of. To expertise this one-of-a-kind pageant, plan a visit to this magnificent place.
When: 1st-Seventh November 2018
The place: Rishikesh, Uttarakhand
5. Taj Balloon Pageant
Ever considered having a unique view of the Taj? Properly, a current initiative from the Uttar Pradesh Authorities has definitely made the appropriate deal for you then. The federal government launched the Scorching Air Balloon pageant with a purpose to provide the very best view of the Taj Mahal to the vacationers and enable you to expertise this distinctive celebration in India.
The place: Taj Gateway, Agra
When: Not declared but
6. Hamir Pageant
Many individuals get confused between the Hemis Pageant and Hamir Pageant, perhaps as a result of they sound related, though the 2 festivals do showcase the totally different stunning cultures of India. Coming again to the Hamir Pageant, the locals of Hamirpur district within the state of Himachal rejoice the existence of Hamirpur with such enthusiasm. The locals take pleasure in people songs, dance and numerous actions. The district has a powerful people tradition they usually current it in cultural programmes often known as Jatras and Jheras. Therefore, record this must-see pageant whereas planning a visit to India in November.
The place: Hamirpur District, Himachal Pradesh
When: Eighth- 10th November 2018.
7. Mannarasala Ayilyam
The query on creation of Kerala; the significance of snakes within the tradition; and the assumption in Nagaraja, are all answered within the celebrations of Mannarasala Ayilyam. The idea behind this grandiose celebration is that when Parshuram killed 1000's of Kshatriya and wished to be free from sin, he prayed to Lord Nagaraja. The individuality of this pageant is the only reality of getting a Brahmin ladies priestess and the worship of snakes. The pageant is one oc the key South-Indian festivals and is widely known in a secluded forest area of Kerala.
The place: Mannarasala Sree Nagaraja Temple, Haripad, Alleppey, Kerala
When: 1st November 2018
8. Kolayat Truthful
Numerous festivals happen in unbelievable India and Kolayat honest is certainly one of them. Being a serious pageant of Bikaner, this honest has grandiose celebrations. The prime motive behind this pageant is that town celebrates the existence of Saint Kapil. The legend says {that a} saint named Kapil Muni meditated on the ghat of a lake known as Kolayat for the redemption of mankind. He's nonetheless thought of to be an incarnation of Lord Vishnu. The celebrations begin from the ghat named after him, i.e., Saint Kapil Muni with the pilgrims doing aarti, providing sweets to the lake and having a dip within the sacred lake. Since it's celebrated from the morning, it's continued all through the day of full moon within the month of Kartik based on the Hindu Calendar. So whereas planning a visit to Rajasthan, ensure you go to Bikaner in November to witness this extravaganza.
The place: Kolayat, close to Bikaner, Rajasthan
When: 21st-23rd November 2018
9. Diwali
One of many greatest Hindu festivals of India, Diwali is devoted to the victory of fine over evil and brightness over darkness. The pageant is widely known in honour of the return of Lord Rama and his spouse Sita to Ayodhya, their kingdom. These days, Diwali is extra about fancy lights and crackers, however the pageant is greater than that. Diwali is in regards to the cleaning of the adverse aura current in a single's life and introspecting.
The place: Throughout India besides South Kerala
When: Seventh November 2018
10. Matsya Pageant
Yet one more pageant in India, Matsya Pageant is widely known to glorify the prosperity, conventional values and vibrant customs of Alwar (Rajasthan). One of many must-see occasions in India, this two-day pageant goals at showcasing the various societal and ethnic legacy of the city by means of numerous competitions which embrace exhibits, people songs and dance, actions and extra.
The place: Alwar, Rajasthan
When: 25th-26th November 2018
11. Pushkar Camel Truthful and Balloon Pageant
Pushkar Camel Truthful has been a prime vacationer attraction for its excellent show of superbly adorned camels however other than that, this common honest additionally showcases the normal aspect of Pushkar. However the reality of camels being the key vacationer attraction, nonetheless stays. The rationale behind this honest was to contain the camel merchants to commerce through the holy month of Kartik however now, with the involvement of Rajasthan Authorities and Tourism Division, the main focus from buying and selling the camels has shifted to indulging the animals in numerous actions and competitions. Whereas your go to to India, ensure you go to this extraordinary pageant in Pushkar and expertise one other aspect of India.
The place: Pushkar, Rajasthan
When: 15th-23rd November 2018
12. Ganga Mahotsav and Dev Deepavali
Ganga Mahotsav is the one event the place you witness the steps on the Ganga Ghat of Varanasi being adorned with 1000's of Diyas and town being indulged within the grand aarti. There are two totally different legends behind this non secular celebration: first motive being the assumption that Lord Shiva defeated the demon Tripurasura and the second motive being that Gods descended on Earth on at the present time and bathe in Ganga. The celebrations embrace the devotees dispersing floating earthen lamps in Ganga to indicate the way in which to the Gods in direction of the river. This celebration is held after Diwali and is a five-day extravaganza. Throughout this, the entire metropolis is decked up and appears spectacular be it in daylight or at evening.
The place: Ganga Ghat, Varanasi, Uttar Pradesh
When: 20th-23rd November 2018
13. Bundi Pageant
Bundi is a gorgeous metropolis in North Indian state of Rajasthan the place a two-day carnival takes place in honour of the wealthy tradition and custom of the place. The aura of the cultural metropolis is full of enthusiasm and pleasure. Throughout the celebrations, actions like cultural exhibits, sports activities, people songs and dances and way more are showcased. You'll discover individuals dressed within the conventional attires. The occasion is an ideal concoction of conventional artwork, tradition, and craftsmanship.
The place: Bundi, Hadoti Area, Rajasthan
When: 26th- 28th November 2018
14. Bhai Dooj
A lot much like Raksha Bandhan, Bhai Dooj is a serious pageant celebrated within the month of November and it too celebrates the sacred relationship of a brother and sister. The pageant is widely known for the lengthy lifetime of the brother. Based on the legend, Yama (Dying God) visited his sister Yami (Yamuna) on at the present time and she or he in return welcomed him with tilak and provided sweets. Delighted with this candy gesture, Yama granted that each brother who visited his sister and will get welcomed in an identical method ought to by no means fear for his dying. Apparently this pageant is thought by numerous names like Bhau Beej in Goa, Karnataka and Maharashtra, Bhathura Dwitiya/ Bhai Phota/ Bhau-Beej in Bengal, Bhai Tika in Nepal and Ningol Chakouba in Manipur.
The place: Throughout India and Nepal
When: ninth November 2018
15. Guru Nanak Gurpurab
One of many main festivals in Sikhism, Guru Nanak Jayanti or Gurpurab is widely known with nice zeal within the honour of the start of Guru Nanak. This pageant often is widely known for 3 days the place on the primary day the pilgrims conduct an Akhand Path (48 hours of continuous recital of Guru Granth Sahib). The second day data a procession led by Panj Pyaras and on this procession, the Sikh flag and a palanquin carrying Guru Granth Sahib are carried out. The third day is Guru Nanak Jayanti when the devotees rise up early and sing Asa-Di-Var and have langar within the afternoon.
The place: Golden Temple, Amritsar, Punjab
When: 23rd November 2018
Although India is the land of festivals and wealthy tradition, however some festivals and occasions have a unique affect on one's life and November has a few of them in retailer for you. To witness a few of the wonderful occasions and festivals of India, plan a visit with us in November and to discover the cultural aspect of the nation. Write us at firstname.lastname@example.com or name us at + +91-9212553106 and we are going to offer you the perfect.


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About a week ago, the BBC posted a report about how sleeping solidly (or trying to, at least) through the night is a relatively modern invention. There is some evidence to suggest that in the past it was very common for people to sleep for a few hours, wake up and do something else, then go back to sleep.
In response, they posted another piece, this time about modern people who don't try to sleep through the night, and how they spend the hours in between their first sleep and their second. The answers are interesting. One practices yoga, another paints, and two spend the time praying.
I'm quite lucky and usually sleep very well and uninterrupted. I like it like that! I wouldn't want to be getting up in the middle of the night, however productive I could be as a result.


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Source close to the story told me about how a "Fed" was bewildered when he saw photo of Marissa McDermott and Jamal Washington.
"Why would she do that," Fed asked my source.
"Because she needed a black person to take her door to door in Gary to pass out her literature."
"This was like a ghetto pass," Street had to interject.
"You're absolutely right, a ghetto pass, I like that," he tells me.
But you scroll down, and you read this stuff. You can start to imagine why Fed was bewildered by this photo.
Robert Battle
Not Here Anymore
Ray Camarillo, Jr was allegedly murdered in 2015 by Robert Battle. Then the building on Euclid where Ray Camarillo, Jr. was found dead in the alley was torn down. Robert Battle, if convicted, will be gone for a long time. Note: Ray Camarillo, Sr. in photo with his son.


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Be Brave, Get Stronger: On Falling Back and Moving Forward
I hope you're doing something to stretch your own courage muscles this month in honour of September. It's so exhilarating to terrify yourself every once in a while. That powerful feeling of personal accomplishment you'll get will spill over into other areas of your life.


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Ilkley Pale Ale & Glass Gift Pack
Powered by Beer!
Product Description
Key Features:
- Includes keepsake glass
- From award winning Ilkley Brewery
This pale ale gift set is perfect for a beer lover. It features two bottles of Ilkley Pale (4.2%) and a branded pint glass. The strongly hopped beer gives a light and mellow finish, creating a refreshing flavour to be enjoyed all year round!
- 4.2%
Please note:
- Please drink responsibly - www.drinkaware.co.uk
Customer Reviews
Customer Reviews


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We are happy to announce that starting today, we can accept orders from customers within Japan !
All orders will be shipped by Hako BOON for a fixed rate of 750 yen, wherever you are in Japan and whatever the weight of your order.
We now also accept bank transfers on top of Paypal for residents of Japan.


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The security for each of us is very important. If you are traveling overnight and your car breaks down in the middle of the forest, then anyone will feel afraid. Anything can happen at that time. Someone mad can emerge from the forest and attack you with an intention of taking whatever value you have. Its true thieves exist everywhere and there are also other mad med that turn to be thieves when the moment appears to them. You can also meet one of the wild dangerous animals that can decide to feed on you. Security is important anywhere. Even at your home, you are never so safe. So do you feel your security is compromised? Do you feel that you need to protect yourself? Then self defense products are what you need. If you go to the home of anyone, you will fail to spot a Scotsman Shield. It is very important to keep prepared anytime as you never know when violence may start. Self defense products are not weapons for killing your neighbor; rather they are items to protect you in case of anything. They will help you make sure that you escape unharmed.
There are several shops that sell these devices from this site. You can find the form the internet. However, before you buy them, it is very crucial to know where to use your defense accessory. If you are long distance traveler, then you spend most of your time in the car. You should therefore make sure to protect yourself in such cases. You can buy the products that are fit for protecting you in case of an attack. A pepper spray, for example and a defense knife can be a good defense equipment that you can buy. By checking the sites, you can browse on the pages to know the various items being sold. Here, you can check product reviews to know the best items.
In the product review, then you will get information about every product. You will also get to know how to use it effectively. It is important to note that, when you have defense products, even people with bad intentions will keep off. Hijacking, for example happens everywhere. You should make sure to have these products right close to you. This way, you can help yourself in case of any emergency. A Scotsman Shield for example can be a good shield when someone tries to throw a foreign object towards you. You may further read about self-defense at https://www.britannica.com/science/defensive-behaviour.


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Zombie Smasher Defense
by: Power Start Games • 40
All Android applications categories
All Android games categories
by: Power Start Games • 40
Are you tired of smashing ants for fun, and wants a bigger challenge?
Well, now it's the time for you to find out for how long you can survive a zombie outbreak.
Zombie Smasher Defense is a simple, yet addictive zombie smasher game. And it'll challenge you to kill all the zombies that attacks you! Just watch out for survivors, and don't let the zombies get out alive!
Will you help us clean the world against zombies?
How to play:
It's really easy to play Zombie Smasher Defense, simply touch the zombies to "smash" them and don't let them get away. But be careful with survivors, you can't smash them or you'll lose a life.
Random power-ups will appear to make your life easier, like slowing down time to smash as many zombies as you can before they get out of the screen.
Zombies can drop coins, be sure to take them. You will also get coins at the end of every round, the more zombies you killed, the more coins you will get. Use the coins to buy new stages, and good luck on the zombie apocalypse!
- Wide variety of levels, and more to come.
- Power-Ups: Slow down time, get double points, extra lives, and more power-ups to help you on your journey.
- Achievements: Prove yourself useful against the zombie apocalypse and gather the various achievements throughout the game.
- Leaderboard: Are you good at the game? Be welcome to brag about it to your friends!
Following updates will include:
- Remove ads.
- New levels to play.
- Weapons and bombs! Because no zombie apocalypse is complete without guns!
- Facebook and Twitter integration: Let your friends know how good you are!
- Cloud saving: So you can play anywhere, anytime, with any device and without having to worry about losing your progress.
- Nicer graphics, gameplay and performance improvements, eventual bugs fixes, and much more.
We would like your feedback, help us improve the game!
Send us an e-mail with your opinion and suggestions, or if you'd prefer leave a like on our Facebook fanpage, follow us on Twitter and send us a message, every message is very important to us.
Facebook: https://www.facebook.com/PowerStartGames
Twitter: https://twitter.com/PowerStartGames
Google+: https://plus.google.com/+PowerstartgamesOfficial
E-mail: firstname.lastname@example.com
from 40 reviews
Download Zombie Smasher Defense
Free - 0.1.5 - 22M
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text: I realize that there is a whole movement of people who love a cloudy hazy beer. The cloudier the better for those people… which is all well and great. But not this guy! Nope I am more of a traditionalist when it comes to beer I guess… I like my beer to be clear… I want to be able to see my hand on the other side of the glass… I take great pride in serving a crystal clear … [Read more...] about How to Clear Home Brew Beer – 7 Proven Methods


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Managing your business's cash flow is one of, if not the, most important task you must do. This delicate balancing act can be difficult and stressful — you have to make certain you have the money needed to run your company, pay your vendors, and pay your employees, but you don't always collect money from your customers right away. A good business owner will be able to prioritize what needs to be paid while holding out for income. If you're uncertain if you're managing your cash flow well, here are a few tips.
- Make income projections. A cash flow projection for next quarter or next year can be helpful in determining how much money you will have. Of course, remember that projections aren't guarantees. The market fluctuates in ways that no one can predict, and what seems like a sure thing can be a disaster. If you find your quarterly projections aren't doing it, go to monthly or even weekly projections. You can't make any decisions until you have an idea of how much cash you'll have on hand.
- Also, be certain to know when money is going out. Track all of your expenses and make sure you'll be able to meet them.
- There will be times when you simply don't have the income to pay every one of your bills, so you have to know which to prioritize. You may be able to hold off on paying the office's electric bill for a week or so, but your employees are going to expect their paychecks to be ready on time. Make a list of when a bill is due and when it's considered late. Do your best to never be late, but remember you don't always have to pay a bill when you receive it. Most are due within 30 days.
- Look for ways to make your business more efficient. By reducing the time it takes for employees to do tasks can give them more time to work on projects that bring in more money. Likewise, the faster products are created, the more you have to sell. Just don't take shortcuts that lead to cheaply made materials. That can backfire.
- Consider asking customers to put down deposits when they make an order. This will give you at least some cash on hand to put towards expenses.
- If you've had inventory on the shelves for a fairly long time, clearance it out. Even though you may be taking a loss on it, it's better to sell it for something than to get nothing for it.


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Schedule of Events from 5 to 11 March
Ljubljana, 5 March - Schedule of events in the week from 5 to 11 March:
The rest of this news item is available to subscribers.
The news item consists of 4.046 characters (without spaces) or 764 words words.
Buy the news item. Price: 10 tokens; on account: 0 tokens.


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This post may contain affiliate links. That means if you click and buy, I may receive a small commission (at zero cost to you). Please see my full disclosure policy for details.
Toxic Friendships bringing you down? Do you too suffer from a chronic illness? Perhaps your doctors have not yet come to a decisive conclusion as to what you suffer from. Either way, you do not need to be dealing with toxic friends in your condition. Cut the cord.
For those of you who are not familiar with my story see here (2014) and here (2017) for more detailed updates.
|Uni Friends. (c) The Joyous Living.
Friendships and Your Health
Today I wanted to talk with you about friendships + fibromyalgia. Before I became sick in 2014 (hard to believe it's almost 4 years later) I was not popular but I definitely had a good set of friends. If I had a party, it would be a full house. On birthdays I could count on friends coming out for the evening. Life was and felt pretty full.
And then I got sick. By moving back to California (from London) obviously my uni friendships were tested and yet I have been truly blessed by 3 friends who have stayed in touch and made an effort these four years. And boy am I grateful and thankful for their love and support and encouragement. Here in America, I came home to flowers and care packages that brought tears of gratitude to my eyes.
|Get Better Flowers. (c) The Joyous Living.
Friends checked in and asked how I was doing. Others offered words of wisdom and suggestions. My best and dearest friends (near and far) have stayed true and made an effort to find time in their busy lives to visit with me. For the first couple years, I could not drive so they had to make their way to me. In spite of having families and lives of their own, my best friends were there for me and I have been so grateful all these years. Health difficulties and life changes prove who your true and real friends are.
I know people have busy lives and so a one-on-one get together can be tough on their schedules and especially when the gatherings are not necessarily the most exciting. Some friends have tried to stay in touch but things fall through the cracks and I understand.
|(c) The Joyous Living.
Toxic Friendships
The friends that drive me crazy are those who suddenly disappear or keep promising to get together or reach out and never do. As a psychologist told me, the energy put into staying in touch and attempting to maintain these kinds of friendships is negative and difficult on my overall health.
One "Friend" in particular stands out as an example for y'all. I took her with me as my +1 for numerous theatrical performances and movies and art exhibits (hundreds of dollars worth of experiences). All I asked for in return was that she drove. She didn't even offer to pay for parking (despite my not having a job) but I didn't take issue and paid the $$ from my savings and sometimes thanks to my parents' support.
But in September 2016 I told her about my impending surgery and asked for prayers. Suddenly silence. Literal silence. I have not heard a peep from her since. It was tempting to reach out to her but she's proven her "friendship" was not authentic and I had enough to deal with what with my health and depression/anxiety and numerous doctor visits.
But as my therapist said, I didn't need that kind of "friend" hanging on my coattails. I needed to release that "friendship" completely and focus that attention and energy on something more productive.
I hope this is encouraging for you who are reading this post. Give your energy to the friends who are true and faithful. And learn the difficult thing of saying NO to toxic "friendships".
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AUSTRALIA is the land of extremes, and we are not just talking about the weather.
In Sydney, a unit can be not much bigger than a walk-in wardrobe, and a car space can earn its owner the minimum wage — or more.
But in Queensland, you can still buy a property that is bigger than the Vatican City within an hour of the Brisbane CBD.
The home of the Pope, which is actually its own state and surrounded by Rome, is just 0.44sq km in size, or around 44 hectares.
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And the traffic can be anything but holy.
Located about 38km north of Brisbane City, home of The Emperor of Lang Park, Wally Lewis, there is 48.6 hectares of freehold land up for grabs at Narangba, and maybe even a few cows.
Sure, there are no gilded museums or fancy chapels, but there is a house, some sheds and a couple of dams — with water, miracles permitting.
The property also has views of the Glasshouse Mountains and Moreton Island, and is being marketed as an "ideal future subdivision opportunity" with a residential development already under construction next door.
"This property is an attractive land bank and rural lifestyle right on Brisbane's doorstep and is the first time offered for sale in 70 years," the listing says.
It is listed with Colliers International Brisbane.
But the Narangba property is not the only country-sized property on the market.
In North Queensland, there is a large-scale horticultural enterprise on 221.1 hectares — bigger than Monaco — on the market.
It may be a long way from the French Riviera, home to more rich folk per capita than anywhere else in the world, but it is not far from the iconic Bowen Mango.
Famous in its own right, Bowen became known as Bowenwood after it was propelled on to the big screen in the movie Australia, or simply 'Strayla if you are from those parts.
It was also home to one of Australia's biggest and most shocking "crimes" — the late night theft of its aforementioned mango, which was later revealed to be part of a publicity stunt for Nandos, those peri-peri naughty folk renowned for their chook dishes.
Anyway, back to that Monaco-sized horticultural haven.
It is being offered by way of vacant possession and has well-developed infrastructure and secure water storages.
There is approximately 34 fields of grey/red alluvial soils, a 4000 sqm parking facility, and it is located within Australia's largest winter growing region, according to the listing.
It is being marketed by JLL Brisbane.
Meanwhile, a macadamia orchard bigger than Monaco is already under offer in Oakenden.
In New South Wales, CBRE Agribusiness is selling the Lachlan River Portfolio, a large scale irrigated and dryland cropping business that is bigger than the Mediterranean island country of Malta.
Located in the Riverina region, the sale includes significant water entitlements, irrigation equipment and infrastructure.
Back up north, there is a cattle trading business in the Northern Territory that is also bigger than Monaco.
Located just 44km from the Darwin CBD, the 205 hectare property is situated on the Stuart Highway at Noonamah and includes a four bedroom homestead, manicured gardens and a huge yard.
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The Elizabeth Valley Farm has the capacity to carry 600 head of cattle, but is also being marketed as an opportunity to develop a residential subdivision, for land-banking, as a cattle depot or even for use as a lifestyle block.
It is listed with Knight Frank Darwin and for sale by expressions of interest.
While at Adelaide River, there is Mount Bundy Station, a property bigger than Vatican City but more manageable than Monaco.
Listed for $1.98 million, so less than a Sydney shoebox, it is located about 75 minutes from Darwin and has been trading as a tourist park.
And in South Australia, Mirage Citrus also offers a happy medium somewhere between holy city and billionaires playground.
The 175 hectare citrus orchard is located in Renmark, the largest town in South Australia's rich Riverland region, with the 140 hectares of citrus orchards established in 1979.
The most recent plantings have included lemons, mandarins and limes, including the more exotically named Tahitian limes and Valencias.
It is listed with Colliers International Adelaide.
But if a tipple is more your shtickle, check out Sellicks Hill Vineyard at Sellicks Hill, also in South Australia.
Sure the expressions of interest phase is closed, but it is still listed so let's toast to that.
Established in 2000 and 100 per cent planted with red wine varietals, this slice of Shiraz heaven is 69.8 hectares in size with 57.26 hectares of that dedicated to producing liquid gold, or rather red.
It is also listed with Colliers International Adelaide.
And in Tasmania, there is a nature reserve and eco-tourist village, also bigger than the Pope's kingdom, on the market at Ranelagh.
Situated on 98 hectares, it even has its own helipad.
Established in 2004, Huon Bush Retreats is 45 minutes south of Hobart and has four guest cabins, two guest teepees, two sheds, a wood shed, walking tracks, solar power and its own water supply, plus a reception, commercial kitchen, staff office and managers flat.
The listing says its "well-established and profitable" with the potential for expansion.


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Contact Your Key Locksmith when you need quality locksmith services in Alamo, TX. You never know when you'll require a locksmith, no matter how well you plan, so Your Key Locksmith has a crew of technicians in a position to get your needs straightened out at a price you can live with. If something unexpected occurs in Alamo, TX and you have to have a locksmith, call us right now at 800-306-2477.
We all try to be on guard for whatever life throws at us, but occasionally something as slight as locking our keys in the car can really throw a wrench into the works. One easy phone call and Your Key Locksmith will be happy to help. All of our locksmith services are ready for you, to help you get back in the game after life stops you in your tracks.
It may be that your Alamo, TX house or place of business needs new locks, or perhaps you just closed the trunk on your food ' and apparently your car keys also. At Your Key Locksmith, you'll get a rapid response time to ensure your locksmith needs are handled with speed, professionalism, and competitive pricing. Our customer service is why we're a familiar name for the Alamo area, and all of Texas.
No matter what kind of locksmith service you require, for your Alamo home, your vehicle, or your office, Your Key Locksmith is ready to make it right. Our staff of polite, professional locksmiths will answer your call, address your problems and get the job done efficiently. When it comes to quality locksmiths , there is no call to search anywhere else. Your convenience, security, and peace of mind are our number one concern, and with our unmatched standards of excellence and care, you can be confident that you'll get the best attention for the best price.
You don't need to worry yourself or your family about your Alamo house, business or automobile's safety. One call and all of your locksmith service needs can be addressed. If you need quality locksmith services anywhere in the Alamo, TX area, call Your Key Locksmith's crew of qualified technicians, at 800-306-2477.
At Your Key Locksmith, we offer locksmith services to residential and commercial customers in and around Alamo, Texas. A lot of times, we are contacted when an individual within Alamo, TX has locked themselves out of their house or car. However, we also have the expertise and equipment to change all of the locks on a home or business within Alamo, which is an outstanding security measure to complete periodically. If you have any questions regarding our locksmith company or want our help, be sure you give our professionals throughout Alamo a call at 800-306-2477 at this time.
Each day, our locksmith company gets calls from house owners within the Alamo, TX area telling us that they have locked themselves out of their house. When this occurs, it can result in tons of frustration and anxiety for the house owner and the fact they are hungry after a long day of work does not make the scenario any easier. Fortunately, we realize how frustrating this can be, which is why we always show up and get to work as quickly as possible.
We also receive a ton of calls from business owners within Alamo, TX who are wanting to change their locks for security purposes, such as following the termination of an employee who was issued a key to the business. This service is offered for a very affordable price, and we can definitely guarantee that it is much less expensive than going to buy completely new locks for each door on your business.
Imagine that you are finally walking to your car after a long day at work only to discover that you locked your keys in your car while rushing into work that morning. We have been in your shoes and know how frustrating this can be. Fortunately, you do not have to stress since we provide timely response times throughout Alamo, TX and it usually only takes a few minutes for us to unlock your vehicle.
Your Key Locksmith is the only connection you will need when you need the assistance of a locksmith. Whether you have locked yourself out of your house or vehicle, or wish to change the locks on your home or business for security purposes, our locksmiths have your needs covered. As if things could not get any easier, you should also realize that our services are priced reasonably. If you need the help of a locksmith service that takes your needs seriously and offers competitive pricing, give us a call at 800-306-2477 and our experts will be on the way!


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Here are a few tips for CTIMS originally posted in our August 2016 Perkins Blog
What's in a name?
Since the start of 2017 there are a number of ODCTE staff working to provide CTIMS technical assistance in several areas. Please remember to include the name of your school / institution in your EMAIL subject line so we may provide you with the right staff person for your needs.
CareerTech Regional Coordinators
Partnering with the Perkins Administration office in an even greater capacity than before are the ODCTE Regional Coordinators. To find the RC for your area, click on this link and scroll down to see their contact information.
FAQs and Training Tutorial Updates
We are working on upgrading our online tutorials to match the revisions and enhancements made to CTIMS over the past six months. We should have those tutorials ready to post to the Perkins web page toward the end of February (or before).
Getting it in writing
EMAIL is a great way to contact us. It provides the responses to your questions in writing, allows us to identify and troubleshoot common concerns and problems, and ultimately improve our technical assistance and training opportunities.
Accessing CTIMS through the correct browser
Use Internet Explorer version 11 or higher ONLY. Not Chrome. Not Edge. Not Safari, or AOL, Netscape, Firefox, Sea Monkey, or Opera. Check with your local IT staff if you need assistance installing or locating Internet Explorer.
So…who am I right NOW?
CTIMS is a single-sign on system. Some users have more than one CTIMS role, but not all roles have the same privileges. When accessing any of your CTIMS accounts, choose the correct user role from the drop down list found in the top right corner under your greeting / email address.
Using the print feature
When you are logged in to your CTIMS Worksheet, Agreement, or Invoice, click on the Summary button for the feature (Worksheet, Agreement, Invoice) you are in, then click on the Diskette icon and choose the document type you prefer. (The Word option provides a good, editable format that you can save to your computer.)
As always, please contact us if we can assist you in any way.


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Restaurant Equipment Leasing
The restaurant enterprise is a big venture that would additionally lead to huge profits. However with a view to succeed on this area, you want to rigorously plan your actions and determine on where you want to focus your investments. Earlier than you open your own restaurant, you have to just be sure you have all the restaurant equipment needed to run the business. The only problem is, such equipments would absolutely take a big chunk of your price range in the event you select to buy it. If in case you have plenty of spare money, it is best to invest on your very own restaurant supply and equipment. However when you're just beginning in this subject, then leasing these equipments is a good option.
Leasing restaurant equipment permits you to lower your expenses since you are not actually shopping for massive funds items like freezers or dishwashers; as a substitute you are simply paying for using them. You don't personal these equipments, however you need to use them for your restaurant business through a lease.
Equipments such as freezers, refrigerators and ovens are significantly dear as a result of they're environment friendly and are made for heavy usage. Before you lease these equipments, it is advisable shop around for quotes first. This is also the time you can ask for associated questions such as the service and maintenance of the tools, in addition to the delivery and set up.
Whilst you store round for quotes and evaluate completely different costs, it's also possible to compare the professionals and cons of leasing and buying new and used equipments. By going through leasing companies and tools stores, you can have an idea on whether or not you must lease or buy one.
Shopping for used restaurant equipment can be an possibility, but you also needs to know if the equipment is still in good condition.
Canvassing and inquiring for equipment prices and leasing charges may take lots of work, but doing so will save you a great deal of cash, which might be very helpful especially if you're nonetheless new in the restaurant business.
Jeremiah G. Cavalcante
If you want additional info with respect to Restaurant Equipment or Restaurant Supply ,swing by the Writer's web site unhesitatingly!


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This capture shield is made of a high-quality, extremely resistant poly carbonate (thickness of 4 mm). The shield plate is rounded and protects members of the police or prison guard forces in action. At the same time the shield facilitates quick immobilisation of the uncooperative or aggressive person. It is mainly meant for use in closed spaces, for example prison cells. The shield has two rubber handles with deep reeding to ensure a secure grip. The handles are sufficiently long for two people to hold the shield with two hands.


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As mentioned in the video above, the "Amazon PPC The Easy Way Guide" is only a preview of the amazing content you will receive as a subscriber to The Private Label Insider. There is so much more our experts share in our exclusive monthly digital magazine that will transform the way you build your brands on Amazon! How would you like to have access to these experts and get even more training every week from them? Yep, it's all included!
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Leverage all of Amazon's advertising opportunities to multiply your sales and spike your rank


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Plainfield summer concert series concludes August 4
8/1/2016, midnight
Enjoy an evening of music in the park on Thursday, August 4, at 7 p.m., when the 2016 Settlers' Park Concert Series, presented by Greg and Dorothy Chapman, concludes. Pirates Over 40, sponsored by Aerotek Design Labs, LLC, will play tropical favorites, including Jimmy Buffett, as well as oldies and classic rock.
The concert will be held in Settlers' Park at the Richard A. Rock Amphitheater. Settlers' Park is located in Downtown Plainfield, southeast of the intersection of Lockport Street and Van Dyke Road and just south of the Village Hall. Parking is available in the Village Hall Parking Lot, on Village Center Drive, and on Van Dyke Road.
Terraced seating is available. Attendees are encouraged to bring lawn chairs and blankets. Concessions will be available for sale and the proceeds benefit the concerts in the park.
If inclement weather is forecast, the concert may be held in the Village Hall or rescheduled. For more information, please visit the Village web site at www.plainfield-il.org or call the Settlers' Park Event Hotline at (815) 609-6124. More information on Pirates Over 40 is available online at www.piratesover40.com.


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Upholding a radical tradition
Borderline Justice: The fight for refugee and migrant rights
by Frances Webber,
Published by Pluto Press, October 2012
Asylum and immigration law was described late last year, by one of its current leading barristers Colin Yeo, as "the hardest and most bitterly fought, most controversial, most convoluted, perhaps most poorly funded and surely most tilted legal battlegrounds between the individual and the state". Practitioners nodding in agreement would do well to pick up Frances Webber's lucid, compelling and often angry book.
Formerly a barrister at Garden Court, she was part of a generation of activist lawyers who, since the 1970s, expanded the reach of public and human rights law into an area characterised by ever more restrictive decision-making and regressive politics. Whether battling the "culture of disbelief" in tribunals or arguing points of law before the House of Lords, she maintains that real advocacy means putting "the reality of clients' lives into focus to judges inevitably insulated by their position of privilege and under political, bureaucratic and time pressure to see cases as purely intellectual exercises".
It is an account which ranges fluidly from the minutiae of individual cases and immigration rules to the socio-economic trends that are shaping patterns of migration beyond governments' control. It also serves as warning and manifesto to the present generation of barristers hoping to cope with the legal aid cuts in immigration from April 2013. The fight to ensure migrants can seek economic opportunity or physical protection in the UK has never been more fraught or unfair.
Taimour Lay is a 2nd six pupil at Garden Court Chambers focusing on asylum and immigration. He was a print journalist for eight years covering conflict, corporate abuses and political-economy in Africa.


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About CSR
We at Tours Wealth is believe that greater gains comes from unwavering trust and collaboration between our associates and customers.
We will be a giving company together with all our associates support to bring joy and happiness to the under privileged.
We have been involved in various charity events since founded and we intend to keep on doing it to make this society a better place


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The Wall Street Journal reports that in the span of a month popular support for the President's health care plan has declined significantly. Down from an evenly divided split, a national poll conducted July 24-27 found 42% of respondents thought the plan was a bad idea, while only 36% had a positive outlook on the plan. Negative perception grew even more among the insured population – shifting from 37% in June to 47% in July.
The main concerns: a rising budget deficit, no clear proposal detailing how plan will be paid for, and more importantly the growing uncertainty over government's role in medical decision-making.
In a town hall meeting yesterday in Raleigh, President Obama was asked why there was such a rush to pass the health care legislation. His response:
"The longer it takes the more the special interests can start getting in there and try to knock it down."
However, is it the political opposition that he is afraid of, or is it the will of the American people?


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Authorities of the southern province of Binh Phuoc have instructed local agencies to help stabilise the lives of more than 1,500 Vietnamese people who were repatriated from Cambodia.
Most of the people coming back from Cambodia are now living in Thac Mo and Can Don hydropower plant areas
Since December last year, 352 households with 1,544 Vietnamese people have returned to Binh Phuoc from Cambodia.
Most of them are now living in Thac Mo and Can Don hydropower plant areas in Bu Gia Map and Bu Dop districts. Many people have used boats to travel thousands of kilometres from Cambodia to Vietnam and then use them as their shelters in Vietnam.
Binh Phuoc Province has VND1.2-1.4 million ring-fenced for each household, while every household will be provided with VND6-7 million (USD260.86-304.34) for accommodation by the government. They can also apply for a 3% interest rate VND8-million loan to buy houses.
Each household are set to also be given a VND8-million loan to help look for work. The province will offer financial support for their vocational training and education activities for nine months.
According to Nguyen Van Loi, party secretary of Binh Phuoc Province, the locality had made efforts to resettle the newcomers.
At a meeting with Deputy Prime Minister Truong Hoa Binh last year, the province called on government assistance to help people repatriated from Cambodia, including financial support.
Many Vietnamese people who came to Cambodia often live on Tonle Sap River in Cambodia. Their boats have become both their home and means of livelihood, and their children have been born on the vessels and lack official papers.
Despite having lived there for many years, they have failed to integrate in Cambodia and are not fluent in Khmer. Meanwhile, Tonle Sap has gradually become drier, causing difficulties for fishing.
Their children lack opportunities to go to school.
Because of difficulties in Cambodia, they decided to return to Vietnam.
Lao Dong/Dtinews


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Anyone have Frontier for their Internet? If so, how good/reliable is it? Looking at switching from Suddenlink and going with Frontier Internet/Directv
Thanks for posting obvious stuff.. .not sure it was needed.BrandoC said:
People badmouth Suddenlink because they are extremely overpriced (mainly based on cable), a monopoly over any other cable company trying to enter the market here, and absolute dog**** customer service.
I am thinking about switching from Dish back to cable because I can get a better price on the channels I actually want to watch ... and get HBO again without having to stream.Quote:
People badmouth Suddenlink because they are extremely overpriced (mainly based on cable)
I had the exact diametrical opposite experience and I'm a computer nerd for 43 years.CS78 said:
I have frontier and my reliability has been great. Much better than suddenlink. Price paid for the speed isn't great but I've stuck with it due to the reliability.


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Choose File
Yellow tier
Reader & Writer
I have two wattpad accounts: SecretsStayHere, and Ur_Fav_Bi_WriterI'm bisexual, recently turned seventeen, and am a junior in high school. I love to read, and write more than anything. I have an obsession with anime, and manga. I'd rather read then hang out and shop. Though I hate shopping. I have no interest in drama, unless I can use it in a story, and I love to sing.
My favorite books vary. I love Inuyasha, which is my first manga book i've ever read, and since then I fell in love with anime. I also love the Maximum ride series by James Patterson. Also I love Street Rats by Jojo_B on Wattpad.
"To be or not to be." by shakespeare which has always messed with my perspective of writing, and makes me wonder about life.


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Webinar on Demand: Health Care Fraud & Compliance
CHIA Product Code: WEB155
Webinar Date: February 07, 2019
Program Description
2018 was a great year for all HIM professionals to learn more about health care compliance. This webinar will examine compliance updates and will empower attendees to protect their entity against potential health care fraud. The top 2018 health care fraud cases will be reviewed and tips on how to prevent similar events from happening will be discussed.
This webinar will cover:
Who Should Attend
All professionals who work in the areas of Health Information Management, Compliance, Coding, Billing, and Revenue Cycle Management.
Continuing Education
This program has been approved for 1.5 continuing education units (CEUs) for use in fulfilling the continuation education requirements of the American Health Information Management Association (AHIMA) and Board of Registered Nursing (BRN). Approved by American Academy of Professional Coders (AAPC) for coding-related programs only.
HIIM Domain: External Forces
Jacqueline Bloink, MBA, RHIA, CFE, CHC
CEO, Jacqueline Bloink LLC
About Webinars on Demand:
CHIA offers Webinars on Demand, which are available for separate purchase after the live Webinar has been presented. This convenient format consists of the full 60-90 minute recorded presentation, distributed handout, and accompanying Continuing Education Unit (CEU) certificate. Each Webinar on Demand is only available for purchase and access for one year after the original recording date. After purchase, a Purchase Confirmation will be sent to the purchaser's primary email address and will contain the access links.