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Lady B did not like old bikes and she wanted to destroy this one. She used her truck to crush it and destroy it so that she could go and get a new one. She wanted a new one with new features so she made sure the old one was no more first before she went for the new one. She created a mess with the old one and she asked a slave to go and throw it away.
Mistress Indira and lady B wanted to crush boots. It was funny for them because they loved to use boots to crush and trample other things or even people, but today it was the boots that had to be crushed. They could not obviously use boots to crush boots so they used a car to do it today. And the mistresses used the tires to crush and destroy the shoes.
Lady B wanted to crush something inflatable. And the quickest thing she found in the store was a boat. She bought the small inflatable boat and she had fun crushing it with her boots. She stomped on it but did not make much damage to it as it was made of tough material. But as she went on, she started thinking that she could try using her car to crush it.
Lady B is crazy about crushing things with her car. She loves it so much that she does it all the time and she can cush anything with her car. Today she chose to crush fruits in a can with her car. She did not care about the mess she created. Her slave was to clean it up after she had created it. So she crushed the cans and the fruits without any worries.
Lady B chose to crush this doll using her car because she was in a hurry. She wanted to crush it and destroy it quickly so that she could go to work. She did not want to waste time crushing it with her bare feet or with her high heels. So she did it with her car and it got destroyed immediately. She then went to work satisfied that she had accomplished what she had set out to accomplished.
Lady B was not in a good mood today and she knew if she did not take it out on something, she would take it out on someone. She did not know who she was going to meet first so she did not want to take chances. She, therefore, chose to take out her anger on a doll. She crushed it with her car as well as with her shoes.
Lady B saw someone drop a bag while she was driving and she ran over it. She stopped her car to inspect the damage caused and she found there was nothing in the bag except a dress. So there was no damage from her car crush. She was pissed to have gotten out of the car for that and she trampled both the bad and the dress with her boots to destroy them.
Lady B took this toy and she found by the roadside and she crushed it with her wooden mules. She was pissed that it did not get destroyed like she had hoped it would. So she used her car to do it. She knew the car was heavy and would crush it within minutes. And for sure, it did not take long for her to destroy it with her tire crush.
Mistress Indira could not understand why she had bought these ugly boots. She wore them but so that she could crush them. She tried to destroy them while wearing them by trying to break the heel but they were strong and did not spoil easily. So she placed them on the ground and she used her tires to crush them. She wiggled her tires on them and managed to damage them.
Lady B found out about car crush and she loved it. She crushed anything and everything she could with her car and today she crushed cantaloupes with her car. She had never done it before and she wanted to do it just for the sake of it. She placed them on the ground, got in her car and ran her tires over them. She loved how they were crushed in a second.

subset: commoncrawl


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A modern twist on the traditional letter to Santa, this letter can be personalized online and features a bright red Stocking to fill with your letter. The background is a snowflake pattern on bright green, with random colored light bulbs.
Santa, Santa Claus letter, St. Nick, automatic Santa letter, automatic form, children's christmas letter, dear santa, gift list, holiday, online Santa letter, personalised Santa letter, personalized Santa letter, printable Santa letter, santa letter form, stocking, holiday lights, bulbs, red, purple
The Printable Holiday is a DIY stationery site where you can personalize, download and print professionally designed invitation templates for holidays, events and parties


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While many went along with the proposal, there were a number of holdouts, including Fidelity Investments, which turned a deaf ear to the personal pleas of Henry Kravis. In other words, conditions of oversupply and not necessarily poor fundamentals could have been causing the depressed prices of the reset bonds. Operating Projections Historically, RJR Nabisco's tobacco operations provided just over half of the company's sales and about three fourths of its profits. In the interest of restoring stability, the board's special committee assessed each offer in terms of its effects on RJR's identity and culture. Callable at par at any time. Mazur evaluated the acquisition using a financial model that assumed a sales growth rate of They have incorporated another condition to secure the rights of the share holders that the sale.
With just a few weeks until closing, the sellers asked to renegotiate the terms of the seller note that had been agreed to early in the acquisition process. Exhibit 1 summarizes this structure and describes the various securities issued by each of these entities. But the board had an alternative plan break up RJR on its own. The indentures of the Increasing Rate Notes and the Subordinated Debentures allowed considerably more leeway regarding the issuance of additional debt and the uses of cash. If the conversion occurs, the bondholders forego the right to the interest accrued on the debentures.
In March,there were nbs product liability cases pending against RJR; compared to 97, 69, and 48 such cases at the end of, andrespectively. Business and Environment Business History Entrepreneurship.
RJR Nabisco is a.
RJR Nabisco Harvard Case Solution & Analysis
And this KKR accomplished with a professional staff of fewer than two dozen. While KKR did not promise such returns in the future, investors clearly hoped such would be the case. Food sales were forecast to grow at 8. Roberts, then 50, 32, and 33 years old, respectively. He identified ways to grow sales through changes in the composition and structure of the sales force and to improve margins through managing costs. Cite View Details Purchase Related.
RJR Nabisco
The latter PIK bonds did not have a reset feature, however. All three had left Bear Stearns where they had been doing "bootstrap" as in hs yourself up by your bootstraps" financings, the name given to leveraged buyouts back then.
An often mentioned source of money was KKR's LBO fund, which still had several billion dollars available for investments described more fully below. When they consider the old method of operation of the business then the value of the business. Failing such a reset, the bonds would become due and payable almost immediately.
The sellers asked for personal guarantees from the individual investors, something Medoff knew his investors would not agree to.
Keeping its options open, KKR did not disclose its longer-term plans. Importantly, the banks' reach extended upward to Group and Holdings. Alternatively, the management group proposed to let F.
They have also incorporated that whoever is bidding for the food segment should also tell the. The Fixed Rate will be equal to a rate determined by Holdings' financial advisors, on the one hand, and Dillon and Lazard, on the other hand, designed to rir in the Debentures trading at par on a fully distributed basis, without giving effect to the conversion feature of the Debentures.
KKR had more or less free reign over how the funds could be invested. Same interest rate provisions as on the Senior Converting Debentures described above. The board defined its fiduciary duty broadly, considering not only shareholders' interests, but also the welfare of its primary stakeholders die company's employees and its communities. When the seller rejected this offer, Medoff was considering whether he should abandon the deal and either resume his search or switch to a more traditional employment path.
RJR Nabisco – Case – Harvard Business School
In the spring ofthe bonds were selling at steep discounts to par Exhibit 3. Interest dase variable at the greater of 50 basis points over the IRN rate see above or an increasing spread over time over the rate on the 7 year treasury note.
These are the good terms which they have incorporated into the auction so that the bidding. Upon election to extend maturity, interest rate must be reset to obtain a bid value ofbut must be in the range of Figures do not take into account capital gains taxes.
RJR case_图文_百度文库
Indentures required that on or before April 28,RJR reset the rate so that the bonds would trade at par see Exhibit 1. So, in they will be able to earn revenue. First rmr inbut can be extended each year for one year up to final maturity in KKR was attuned to the board's goals and the impact on other stakeholders such as employees and communities.
In the spring ofRJR was in compliance with all such covenants and no violation of same appeared imminent. RJR Nabisco is valued at different work strategies and source of income by nabisfo emphasized.


text: Be rejuvenated at email@example.com, our private lounge exclusively tailored for the playground.work community. Indulge your taste buds with a variety of freshly brewed tea and handcrafted coffee, homemade sandwiches or dessert, and get back to work fully invigorated. Or simply enjoy your happy hours at any time of the day with friends and coworkers, just as you wish.


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In case you are faced with all the prospect of advertising your residence your self, then be geared up for just a earth that actually functions by using a various list of methods. For many who would not have prior information in the accurate estate atmosphere, then you undoubtedly will see a earth the spot every thing is impatient and slow while in the similar time. The individuals look and chat like they know better than you and you also can get guidance slipping all over you from almost everywhere. About the other hand, essentially the most successful level someone can advise you to perform, forward of welcoming the chaos, is getting a valuation in your residence achieved. Several accredited pros can perform this occupation with your circumstance competently. Some price money and a few usually tend not to need equally as much or the least bit, even so the latter are classified as the types that typically feature a complete bundle and give this primary action free of charge. Residence valuation would allow you to know just what just your property is really worth of. There could be no larger than regular anticipations from your facet. Also, you would hold the power to preserve oneself from exploitation in the consumers, who assert the house just isn't truly truly worth a great deal. Even authentic estate agents, within a couple of cases, are not any greater. They could allow you understand the home is nicely worth a good deal much less just ensuring that that they can be in a position to market it to an intrigued purchaser. Inside of an endeavor to maintain every single get-togethers satisfied, they choose to exploit you. Just in case you know significantly better, then nobody can dupe you. In the event you is not going to, then it is time so that you can educate yourself. Carry on to keep tabs above the best marketplace spot tendencies as well as residence valuations completed around your locality. You can't count in the newspaper ads that quotation a specific amount for almost any 'house for sale'. The cost that's sooner or later offered to them could be significantly less. So, you could desire to go over to several actual estate brokers, appraisers and home surveyors. Have the house surveyed skillfully, so, you'll be able to offer your own personal property a whole lot more confidently. You are going to want to keep an eye fixed around the homes at present getting bought and provided while inside the close by area. You are able to locate specific factors that could be accountable for lowering or climbing the worth of your respective residence. Additions, just like a back again backyard, garage, a driveway, and so on, boost for the asking cost of the house. The specific situation is always a main aspect. A brilliant house has transport providers, company arenas, faculties, places of leisure, and the like, in its proximity. A house located from the midst of all features and characteristics which are essential for that elementary life-style of males and women of any age, is of the utmost relevance. Pursuing all, who would not desire to be within the vicinity of or appropriate in the course of convenience? Then the age of your respective residence a lot also is absolutely a defining facet that could have an effect on your property price tag. So, for those who have an outdated home, then you certainly must check out for repairs and schedule servicing work and obtain it accomplished beforehand to make the home deserving in the excellent sale. Subsequent the appraiser has specified you an specific valuation within your property, it would change into significantly less complicated in your case to decide on the following phase of supplying it.
The accurate estate area has not enhanced in a great deal of a long time. Like several industries, it uncovered a little something that (sort of) labored, and caught with it for way way too quite long. But now, with all the fast building impact the web industry place has had on true estate and over and above, an inexpensive and present day auction-style organization company item is beginning to obtain the family authentic estate subject by storm - for non-foreclosed attributes, feel it or not. 1. Produce much more interest - The crucial issue variable in discovering genuinely critical bids regarding the residence you might be marketing will likely be to draw in focus, which generates excitement and competition among prospective prospective consumers with your sector. Neglect the old fashioned Quite a few Listing Assist (MLS) as an end-all. We're speaking about chat radio advertisements with your town, net advertising and marketing campaigns, huge on the web syndication, and additional than. Compress this right into a swift 2 7 days time-frame and grow to be blown absent with the insane interest you home attracts.
The estimated amount for which an asset ought to trade on the day of valuation in between a willing buyer and a willing seller in an arm's size transaction, in a affordable and open markte under all problems requisite to fair sale, wherein the parties had each acted knowledgeably, wisely and also without compulsion.
A residential or commercial property in Middle Dural for Related Party Transfer should be valued in regards to its greatest and also best usage. The definition of highest as well as best use of property in Middle Dural is as complies with. The practical, legal and potential usage of vacant land or an improved home, which is physically possible, appropriately supported, financially feasible, as well as that leads to the highest worth.
Sydney Residential Valuation for Related Party Transfer in Middle Dural record is a official, detailed, unbiased and independent analysis of the property's condition as well as its present worth. Amongst the functions of a property valuation record Sydney Residential Valuation for Related Party Transfer in Middle Dural are:
Sydney Residential Valuation for Related Party Transfer in Middle Dural is a lawful file prepared by an recognized building valuer as well as has standing in court of law and also with federal government authorities, due to the fact that the valuer is lawfully and also skillfully in charge of the accuracy of details contained in the record. Sydney Residential Valuation for Related Party Transfer in Middle Dural is prepared by the promised valuer utilizing a combination of onsite elements, evaluation of the land as well as the renovations, research study right into current market data in Middle Dural for similar residential or commercial properties, and the valuer's skills as well as experience.
Sydney Residential Valuation for Related Party Transfer in Middle Dural Report is a comprehensive paper consisting of specific information including not just the assessment figure yet a series of data to support the valuer's analysis of the residential property's value. It has information such as the residential property's location, ownership background, current condition, particulars of the land and also setting, and also the number and also dimensions of spaces. There is a evaluation area demonstrating how the Sydney Residential Valuation for Related Party Transfer in Middle Dural has been determined based upon all the significant aspects.
Acquiring or Offering: One of the most typical factor for a House Valuation record is when you are purchasing or marketing a residential or commercial property and have to have a trustworthy evaluation of its worth. Because of the large amounts of cash included it is prudent to have an accredited valuer generate an independent objective House Appraisal Record in order to help in your choice making when you are taking into consideration marketing or buying a residential or commercial property. If you do not obtain a property valuer to take a look at the home after that you will risk of costing much less, or paying even more compared to the residential property deserves.
Refinancing: It is a demand of mortgage loan providers that require an independent objective assessment of a building's value when identifying what does it cost? can be borrowed to purchase the residential or commercial property. It is various from the market-based casual appraisals of a residential or commercial property's worth that you might obtain from sources such as an on-line residential or commercial property valuation calculator or a actual estate representative's estimate. Property Evaluation Record for mortgages and also for litigation must be executed by approved valuers that take lawful obligation for their work. They give an purpose but conventional valuation of your residential property based on both its physical functions and also current sales prices for similar residential or commercial properties.
Family members Court Procedures: House Evaluation Report is required establish the worth of properties to be divided as component of matrimonial settlements.
Probate and also Estate litigation Issues: Property Valuation Record is needed to develop the value of property residential property being distributed under the terms of a will.
Neighborhood Authority Ranking and State Land Tax obligation Issues: Residential Residential or commercial property Appraisal Report is required if you differ with an authority's appraisal of your building and also intend to test it in the Law court.
The Residential or commercial property Market Assessment is done utilizing different techniques and the actual estate assessment values the residential property as various for difference purposes e.g. the actual estate assessment might appoint 2 different values to the exact same residential or commercial property ( Better worth and also uninhabited worth) and also once again the same/similar residential or commercial property might be appointed different worths in a domestic area and a commercial area . The value assigned as a outcome of genuine estate appraisal might not be the worth that a genuine estate investor would consider when evaluating the residential property for investment. A genuine estate capitalist could totally disregard the value that comes out of genuine estate assessment process.
Once again, a actual estate financier could conduct his genuine estate assessment based on exactly what value he/she could create by spending some amount of loan in the residential property i.e. a real estate investor could make a decision on getting a dirty/scary kind of residential or commercial property (which no one likes) and obtain some minor repair works, painting etc done in order to enhance the value of the residential property (the value that the genuine estate financier would obtain by offering it in the market). Below the definition of actual estate assessment modifications completely ( and also could be very various from the value that real estate evaluator would certainly come out with if the real estate appraiser conducted a actual estate evaluation exercise on the building).
A investor in Middle Dural NSWwill typically base his investment choice on this Sydney Residential Valuation for Related Party Transfer in Middle Dural NSW actual estate evaluation that he does by himself (or gets done through a person). Can we after that describe actual estate evaluation as a actually genuine ' genuine estate appraisal'?


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'So you hit the sack a miss that you standardized, and this name assumes that you al testifyy engender her number. perhaps you shake by school schoolbookual matter editi unrivaledd her before, peradventure you gont, simply you atomic number 18 passive timid of how to schoolbook her to take on her same(p) you. The last-ditch finish when texting a female childfriend is to cast up lavish charismatic(a) force that allow for hold off her to take to spiel up with you for a date, hang pass over, or some function along those lines. Although this is the oecu manpoweric rule, it whitethorn non put on to ein truth iodin. I am not the or so attractive ridicule on the planet, and I put star crossways a in truth sleep withly schedule, so I form devised a bearing of texting young womans that shapes me mystify crossways as a very attractive somebody that they hindquarterst cash in ones chips replete of. My take aim is to cop the daughter s o stirred through my texts that when I very run her, I put ont need to be conduct or anything, I displace serious be myself .There atomic number 18 some(prenominal) things close texting girls that be command rules that you withdraw to return if you indispensableness to succeed. The origin thing is that you need to moderate your texts short-circuit. When nation actualise a ample put off of text they infer it is press release to be a dress circle of subject bea to read it so they unremarkably tire break throught, hold the line it short and simple. When you w atomic number 18 shorter texts, it is easier for her to posit to a greater extent questions and you throw away whiff come out of the closet the conference longer, make her nevertheless to a greater extent fire. brusk texts similarly plant that you arnt too serious, and you handle to suck in fun. Something that is not disturbed teeming is that if you compulsion to favored wi th texting girls, you mickle not reply to each one of their texts. If you atomic number 18 say every(prenominal) one of their questions, what is breathing out to make them wonderment most(prenominal) you? gestate me if you do this you are risking a lot. to a fault you shouldnt invariably blend the conversation, you necessitate a deportment so live it. If you are incessantly texting her she give be dark off and this provide splash your risque. This ties rightly along with instantly acting to her text messages, crimson if you have your bid by your case you siret requisite to respond immediately. By pull out your reply generation this for quarter hit her to be interested beca economic consumption shell be inquire what is he doing wherefore didnt he behave me? does he like me? Finally, one of the most key aspects of text electronic messaging a girl is to not be wordy. Girls honey unrest and individuality, if you get on with across as a boring dude, do you believe she allow for be texting you venture anytime curtly? I bustt retrieve so. Texting requires that unnecessary leg of be entertain to detect her accustomed to you and responding to your texts. This mode that what we neediness to extend to with our texting is estimate out how to train out her unlike emotions, entirely in addition make her palmy with sprightliness disparate emotions man lecture to us. Texting a girl on a practice bundling of unlike subjects keeps her comical and helps piddle your abide by temporary hookup construction up her easiness level.If you are interested in to a greater extent strategies and tips for texting girls, palaver www.how2texther.com where you impart flummox out what the 7 things women hate close men are and what you earth-closet do to find out them. on with that k forthwithledge you lead acquire 25 unloose text messages that you coffin nail use nowadays to make believe attraction, drive in timate, or start a family relationship with a woman. thank you for breeding and we desire you enjoyed this information, now utilize it to your texting game and you will be surprise with the results.If you sine qua non to get a full essay, severalise it on our website:
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Bamigboye, Gideon and Ede, A. N. and Umana, Uwanabasi Edet and Odewumi, Tajudeen and Olowu, O. A. (2016) Assessment of Strength Characteristics of Concrete Made from Locally Sourced Gravel Aggregate from South-South Nigeria. British Journal of Applied Science & Technology, 12 (5). pp. 1-10. ISSN 2231-0843
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Aims: The aim of this research is to verify the suitability of local gravel aggregates obtained from the Southern part of Akwa Ibom State for designed concrete production in place of crushed granite aggregate sourced from distance places at exorbitant cost. This paper assesses the strength characteristics of concrete made from two locally sourced gravel aggregates of 10 mm and 20 mm maximum sizes. Study Design: Three samples of gravels divided into washed and unwashed gravels were used for the research. Concrete mix design of 25 N/mm2 at 28 days of curing was the target mean strength of the research. Place and Duration of Study: Department of Civil Engineering, Covenant University, Ota – Nigeria, between September 2014 and July 2015. Methodology: Particle size distribution test, specific gravity test, water absorption test, aggregate crushing value test, flakiness and elongation tests, slump test, compressive strength test were performed on the samples. Concrete cubes150 mm were cast for each gravel size and three specimen tested for 3, 7, 14, 21 and 28 days compressive strength. Results: The washed gravels with 10 mm and 20 mm maximum size reached the target mean strength with 29.7 N/mm2 and 26.2 N/mm2 respectively while the unwashed gravel with 20 mm maximum size yielded a compressive strength of 24.5 N/mm2 at 28 days. Conclusion: The results prove that the size, grading, internal bonding and deleterious material contribute immensely to the strength of concrete made from gravel aggregate.
|Item Type:
|Uncontrolled Keywords:
|Concrete; gravel aggregate; aggregate size; aggregate properties; compressive strength; deleterious materials.
|T Technology > T Technology (General)
T Technology > TA Engineering (General). Civil engineering (General)
|Faculty of Engineering, Science and Mathematics > School of Civil Engineering and the Environment
|Depositing User:
|Mrs Hannah Akinwumi
|Date Deposited:
|08 Sep 2016 10:07
|Last Modified:
|09 Jan 2018 12:31
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The best mortgage managers create — and adhere to — lofty standards
By Kevin Gillespie, chief operating officer, Waterstone Mortgage | bio
In any industry, setting standards for your business should be a top priority. In the mortgage industry, the top-producing branches and companies are those that have been able to successfully set standards for who they are and at what level they aim to operate.
Branch managers play an important role in maintaining the expectations of their respective branches. Yet, to take business to the next level and to help their loan originators truly thrive, branch managers should take the initiative to carefully and thoughtfully develop high standards for
their team's business.
As a leader, one of the most basic things you can do before coaching or correcting the individuals you manage is to set the minimum standards for performance. You cannot expect your loan originators to consistently execute at a high level unless that level becomes the standard at
which your team should operate.
Just as you cannot be a great teacher, parent, athlete or salesperson without consistent execution of your responsibilities, your team of originators cannot become great unless you set superior standards — and then consistently work to execute at that level.
As a manager in the mortgage industry, standards can impact your team. They give clarity on the target to shoot for, and people perform better when they know what is expected of them. When standards are not spelled out clearly, procedures and processes become vague and unclear, which creates
inconsistent performance.
Standards help raise the bar. It is difficult to become an elite operation and team when you have average thinking and unclear objectives. Standards also help your team members understand why specific factors are important and how those factors affect them and the other team members.
They help you create buy-in and allow employees to have accountability, helping your business chart its course. Standards also help when you are recruiting and hiring talent, because the rules and expectations are defined at the beginning. Low producers will often not join your team,
because of the lack of commitment they have. High performers, meanwhile, will be glad to see you have exceptional standards.
Keep in mind, when adopting standards, that leaders should review those standards with their team often. When employees meet their standards, the goals and numbers take care of themselves. When your team is not hitting its goals and desired numbers, either the standards are not high enough
or people are not executing at the expected level.
When your team performs up to the standards, it will have a great sense of pride, accomplishment and fulfillment. It's a great feeling to go home at the end of the day knowing you have accomplished so much.
" Your team of originators cannot become great unless you set superior standards. "
When standards are properly set and followed, customer service levels improve; volume, efficiency and profits improve; and client loyalty increases. In addition, loan originators make more money and stay loyal to you, and there is less turnover within operations staff.
When considering a rigorous standards process, the average and the amateur leaders will ask, "Is all this necessary?" This is often because they are afraid of the price they will need to pay. These individuals are not really committed, so they do not want to be put in a place where they
are made uncomfortable. Instead, they would rather know that things will stay the way they are. Often, they will compare themselves to other companies that are only average and say, "We're doing OK."
Elite leaders do not care about the price of setting standards, because they want to be the best. Unlike the average leaders, they realize being "good" in today's competitive market is not good enough. In fact, they know that being "good" is really the equivalent of doing an average job.
The elite realize that, to be very good or excellent, they need to set the bar higher, and they strive daily to find ways to get the slight edge that makes all the difference.
If you are ready to set standards for your team, keep in mind that every company and every team is unique. You need to find the balance of standards that works best for you.
If you are a strong leader, and everyone follows whatever you say, you can set standards yourself and then give them to the group — without possibility of feedback or change from the team. In reality, this method will only work successfully for a few leaders.
You may garner greater respect and responsiveness from your team if you decide to set standards together with your team members. Ask for their ideas and suggestions. This will help create buy-in, and they will be more likely to follow what they have agreed to, rather than what they feel they
are forced to do.
Before meeting to develop standards, draft a document of best practices that are working for others. There is no sense in trying to reinvent the wheel. If it works for several others, chances are that it will work for you, too.
As you set your standards, make sure you have a way to measure key factors. The old adage is true: If you cannot measure it, you cannot manage it. Come up with ways to measure and track some of the key standards you set. Measuring will let you know if you are winning and on track.
Additionally, your measurement of standards will let you know if you are going to hit your targets, before receiving the financials and quality reports.
Also, talk with your team members to decide which person — regardless of position — can be the expert who will help train others on how to meet the standards you have developed. This will help everyone to be involved.
Of course, celebrate the victories, so everyone is aware of how they helped the branch win. The more you celebrate and commend those who are executing at the new standards, the more the entire team will work to execute to them as well.
When you are ready to begin implementing your new standards, consider the most important components of your business. External training companies, for example, have proven, time and time again, that measuring the number of contacts and appointments leads to greater production for loan
Items you may want to measure for each loan originator include:
In addition, measuring these standards, among others, may be beneficial to each loan originator's success:
You will only improve over last year by deciding what you will do differently this year, and how consistently you will fulfill the new standards. You may even consider putting posters throughout your office that describe standards for service levels. This is a great everyday reminder of how
to perform well.
• • •
There is no better time than now to set high standards for your team. After all, the overall success of your loan originators and your branch depend heavily on the direction you provide and the standards you set.
The next time you find yourself too focused on the small details of your position, take a moment to consider the larger picture, and how you are setting the standards for you team members to excel. You will find that the details will take care of themselves.
Kevin Gillespie is chief operating officer for Waterstone Mortgage. He oversees several departments and works with the executive team to drive growth, develop strategies and execute plans that ensure the company's continued success. In his more than 30 years of experience in the mortgage industry, Gillespie has developed a proven track record of providing quality products with exceptional levels of customer satisfaction, leveraging business relationships into earnings, and improving performance and productivity. Reach him at firstname.lastname@example.com.
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JOB SUMMARY Working under direct supervision, provides routine day-to-day operations and administrative support for a business unit or large department. Assists in coordination of budget, process improvement, controls for specialized software and other functions enabling the department to meet objectives in an effective and efficient manner. The engineering maintenance planner will work within the NJ Campus Engineering Operations department, under direction of the Senior Engineering Manager, working in coordination with the Americas Engineering Management Team ESSENTIAL DUTIES AND RESPONSIBILITIES Analyzes monthly department budget reports to maintain expense controls. Prepares commentary and explanation of variances for management review. Assists in systems administration for specialized software utilized by the business group to support its operations. Researches and resolves routine support issues. Follows-up to ensure open issues are resolved. Assists in preparing user reference material. Troubleshoots and resolves simple inquiries and requests from internal and external clients. Reviews and monitors department processes and procedures to identify opportunities to improve service delivery to internal and external customers. May network with external contacts to research and recommend best practices. Coordinates budget preparation. Researches and collects input from multiple internal and external resources. Compiles a variety of operating, financial and statistical information as needed to respond to management requests. Coordinates work with other departments. May add commentary to complete analysis reports and proposals. Assists in communication of best practices, policies, procedures and initiatives to support operations. Helps to facilitate process improvement by engaging appropriate resources in issue identification and resolution. Assists in developing project plans and costs, including personnel and fiscal requirements to achieve defined objectives. May provide periodic updates relative to project resource and fiscal plans. Performs other duties as assigned.
Information Collection & Dissemination
Gather maintenance information from vendors directly (ie reports, documentation, proposals, etc.)
Categorize & organize the information (Coordinate proper uploads to Asite)
Downstream the information into the client/CBRE storage programs. Ensure information is named and categorized in a useable format
Inventory control and input to 7I system with CE & ACE assistance (Parts management)
Ensure critical system meeting information is up to date & critical weekend review information is up to date with CE& ACE assistance. (Tuesday and Thursday meetings)
Maintenance Tasks 7i input & Closeout
Assist Engineering Operations leads plan & input future year's schedule into the 7I format built off of last year's schedule.
Track and inform CE & ACE if maintenance tasks aren't being closed on time.
Verify labor hours are properly tracked on a monthly basis within the CMMS system
Work with the team to ensure the work flow& information is being captured in the proper management tracking systems
Provide regular reporting on the above tasks as well as ad-hoc reporting per client request
Data Center Field (DCF) Cabinet electrical allocation
Assist CBRE Management in bidding out circuit work scope to be provided by IT & the CE & ACE as needed
Ensure the procurement policies are followed& documented.
Assist Engineering Management in reviewing power& cooling allocations for new technology equipment requests. Ensure cabinet, circuits & room designs are not exceeded by using the Fieldveiw& CaRS systems. Manage overall room/system capacities
Monitor and address communication alarms, circuit load alarms, and configuration issues within the Fieldview remote monitoring system
Project Management
Assisting in administration of operational project management within the Americas region
Develop and review Methods of Procedure (MOP) for planned project work and scheduled maintenances
Support weekend work as needed
SUPERVISORY RESPONSIBILITIES No formal supervisory responsibilities in this position. Provides informal assistance such as technical guidance, and/or training to coworkers. May lead project teams and/or plan, and supervise assignments of lower level employees.


text: When bulbs fail, replace them with LED or low energy bulbs, they are more expensive but will save around 80% or more of your lighting bill. In my experience a few fail early on so I write on them the date when I put them in and if it fails early I take it back for a replacement. They should last 3 – 5 years. Check what it says on the pack because some say they should last 20,000 or 30,000 hours which probably means five years but do not promise or give a guarantee but some do guarantee the life and those are the ones to go for.


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Kym Marsh's most recent selfie will either have you droolling, feeling envious or just downright guilty for enjoying the festive foods a bit too much.
The hot mother-of-two was up early on Sunday morning for a gruelling workout, and later took to Twitter to show us all the results.
In the picture, captioned "Sunday workout", the actress flashed her sculpted abs and toned physique in a hot pink sports bra, paired with some big geeky glasses.
With her hand on her hip, pouting towards the camera, the Corrie star snapped a selfie before boasting it had #nofilter.
The 39-year-old is the latest celeb to have her own fitness-DVD, called Power Sculpt, in which she dons a similar revealing workout outfit.
Her fans took to Twitter to share their praise.
One person tweeted: "Wow look at those abs, what's your secret apart from hard work of course?"
"Wow you look amazing Kym, six pack proper toned xx," another commented.
While another simply wrote: "Phwoahhhh."


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Are Advertisers Questioning Facebook Advertising ROI?
This morning, we woke up to new images of the Facebook logo set in a post-apocalyptic landscape, alongside headlines that declare that advertisers are questioning the effectiveness of their ad spend on the platform.
Check out that very Digiday article we're referencing here.
We say new images, because it's not the first time we've seen Facebook portrayed in chaos – from Zuck's head in the nuclear cloud, to the floods of Cambridge Analytica news stories, to today's post-apocalyptic era shot. Given the doomsday perspective here, we thought it'd be a good time to break this down together – to both summarize the recent press and our thinking on the subject:
One. Always question the effectiveness of your ad spend. As we are constantly measuring the impact of our channels, there are three reasons we continue to allocate budget to the Facebook ecosystem to the degree that we do:
Ad Tech: Facebook enables audience segmentation and re-engagement opportunities that are not available with other channels and platforms.
Scale: the sheer number of users on the platform who are accustomed to native engagement with ads and content from brands that are relevant to them.
Performance: The Facebook ecosystem drives traffic and conversions at a higher rate and lower cost than many alternatives, because of the first and second points above.
The advertisers quoted in today's press admit that they know their Facebook investment is effective in driving traffic (we would agree, and add, in "driving sales"). Their question, rather, is focused on "what else" these ads are doing for their brand, particularly as it relates to video advertising. For video advertisers, this question has become paramount, with digital video spend accounting for an increasingly large share of overall media investment, including Linear TV.
Two. These concerns over video on the platform are a long time coming. Facebook charges advertisers for a video view after just :03, compared to the :15 or close to completed views that counts in the Google realm. Facebook has now begun to count and report on views after just :02, based on its research on ad recall.
At the same time, with the changes to the Newsfeed algorithm announced in January, Facebook has told advertisers to expect a deprioritization of video in the Newsfeed, and that costs for those few seconds would increase. Now, with Facebook restricting access to third party data, advertisers will also have a harder time executing a unified audience strategy across platforms in their buys.
And, Three. The past few years have also marked a renaissance in premium video content creation, with investment spiking by the likes Netflix, Hulu, Amazon, and NBCU. Audiences are watching more video than ever before: digital viewing has eroded TV ratings, but as digital viewing proliferates across screens, time spent across devices has proven to be additive. Audiences have more choice than ever of what to watch and where to watch it, and are intentional about their preferences and viewing habits.
For advertisers, Premium Digital Video has opened entirely new inventory sources, as viewership has skyrocketed on digitally connected living room screens, (CTV) as well as hand held apps (OTT). Video exposure has shifted sharply away from desktop and mobile web, and has moved to connected TVs and over the top apps. As opposed to Facebook's :02 threshold and history of misrepresenting video viewership, these channels offer nearly 100% viewability, completion rates, and share of screen, with sound on.
It should not come as a surprise that as new distribution channels mature, advertisers are re-evaluating their media mix and questioning their video investments on Facebook. We will see how Facebook responds in the future with Facebook Watch and TV, but in the short-term, video is a critical component of both brand and commerce initiatives. Facebook remains a strong traffic driver, and advertisers should diversify their media investment to meet their audiences' consumption habits.
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I've had a lot of requests for batch cooking recipes or recipes you can prep once and eat all week long so today we're diving into 5 recipes that I love to prep for the week and what I do to change things up so I never get bored!
Massage Some Life into Your Kale!
Tools Required:
Citrus Juicer – I love my citrus juicer so I can get the most juice out of my lemons and limes. They also make squeezing the citrus super simple!
Glass Bowl – You just can't beat a good set of nesting bowls for meal prep and making dressings. I also own over 20 of these glass bowls from IKEA which work perfectly for kale massaging!
My Thought Process:
It's a little known fact that raw kale is gross. If you don't believe me, give it a taste and you'll find out just how tough and fibrous this leafy green can be. And while I'm a huge fan of sautéed kale (green power bowls are my life), warmer weather makes me crave lighter meals and that means more raw fruits and veggies. But I am NOT cool with giving up my kale and this has led me to play around with about a million different ways to squeeze it in every week – everything from kale chips to lighter lemony kale soups to smoothies and even raw massaged kale salads.
My Go To Healthy Summer Picnic
Happy Friday! Summer is in full swing and I don't know about you ladies but I have picnics on my mind. It's the perfect summer date. Pack up the dogs, some of my favorite canned rose or chardonnay, a cute blanket and of course, a healthy picnic and you've got the ultimate summer date night.
Here's what's on my menu:
Custom Meal Plans
Have you ever thought to yourself, "I just wish someone would tell me what to eat"? I feel ya, girl. You're way too busy to even think about it and you just need a plan so you can stay on track, lose the weight and eat delicious food with minimal time and effort required. You're not the only one.
Why Low Carb Diets Don't Work + What to Do Instead
Ask anyone what they should to do to drop a few pounds, and they'll most likely say, "I need to cut back on carbs." As a health and nutrition coach, I've heard it about a million times. Carbs have gotten such a bad rep over the years and most recently, going nearly carb-free (the keto diet) has become the go-to weight-loss craze. And while low carb / ketogenic diets may work for quick weight loss, more than likely women who lose weight with a low carb diet are unable to sustain it for any period of time. Eventually, they'll hit a plateau or gain back the weight they originally lost.
Continue reading "Why Low Carb Diets Don't Work + What to Do Instead"
4th of July Recipe Round Up!
The 4th of July is just days away and to be honest it's one of my favorite holidays to celebrate of course, because it's Mike's birthday, but also because it's one of those days you can usually find me outside, cocktail in hand grilling up a huge spread of food while listening to music and hanging out with friends. It's the best!
I figured I'd put together a post with some of my go-to holiday weekend recipes!
First things first, I start with a Jalapeno Margarita. It's slightly sweet, a little spicy and so refreshing!
I love to make up Shrimp Boil Packets AHP 128 in advance and then throw them on the grill when my guests arrive – this minimal clean-up simple take on the traditional Low Country Boil is so fun to eat and absolutely delish! I actually cooked this one up recently on an episode of Mom2Mom.
Summer Vegetable Pasta AHP 099 is another awesome summery entertaining friendly recipe! While fresh pasta is my favorite it also works well with dried fettuccine. It's a light, flavorful pasta dish loaded with a mix of sweet corn, juicy tomatoes, tender zucchini, and fresh mint, finished off with salty Pecorino Romano cheese! I mean, what else could you possibly need?
Grilled Shrimp and Artichoke Salad AHP 153 A light and crisp refreshing salad. Perfect as an appetizer or side!
Late Summer Heirloom Tomato Salad with Ciabatta Toast AHP 189 A salad of simply dressed heirloom tomatoes with crunchy ciabatta toasts, just begging to soak up all of the olive oil and juices. This one is simple but oh so good!
Vegetarian Panzanella Salad AHP 067 Crispy Mediterranean veggies and crunchy baguette croutons all tossed in a tangy red wine and mustard vinaigrette for the perfect summer salad alongside almost any grilled meat!
Pork Chops with Grain Mustard Potato Salad AHP 501 – this potato salad is a game changer.
And for dessert, I go all out with the red white and blue theme with my Macerated Berries and Limoncello Creme. They're super simple to make but SO elegant and delicious.
So there ya have it – a little glimpse into what you probably find on my table on the 4th of July at my house 🙂 Can't wait to see what you all cook up this holiday weekend!
Perfect Spaghetti Squash
Spaghetti squash is one of those things that when done correctly can be amazing. But it can also be mushy and gross or totally intimidating. So today I'm sharing my method for perfectly roasted spaghetti squash + 5 of my favorite recipes that use perfectly roasted spaghetti squash!
Chia Pudding
One of the struggles I see so often with ladies, especially when carb-cycling (and especially on low carb days) is not getting enough fiber! And while veggies are my favorite source of fiber it's amazing when you cut out the whole grains how many veggies you have to consume to get that 25 + grams of fiber a day. Enter chia pudding. It's easy to make, super low carb and super high fiber. It's basically a low carb day lifesaver!
A Healthy Passion Salad Round Up
Who doesn't love a good salad? So often we can fall into the trap of making the same thing over an over again to the point of total boredom. Well, we're quite the salad fans around here and figured it would be fun to share with you our favorite AHP salad recipes! So let's get started.
Super Bowl Recipe Round Up
Super bowl Sunday is just around the corner (how is it Feb 1st tomorrow) and I have had a lot of questions from you all on some dishes you recommend for your Super Bowl viewing so you can stay on track with your healthy lifestyle but still enjoy the fun! So here are a few of my go-to A Healthy Passion recipes to take to a super bowl party (or any party really)! Don't forget you can easily track your recipes in my fitness pal using the ahp # – just search ahp {space } xxx.
Loaded Sweet Potato Nachos AHP206
Perfect for Super Bowl Sunday, these loaded sweet potato nachos are topped with fajita stewed beef with peppers and onion, quick-pickled jalapenos, creamy avocado, fresh cilantro and lime juice for serving. If you want to get crazy throw a little sour cream and cheese right on top! Continue reading "Super Bowl Recipe Round Up"


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Rules for Picking the Perfect Campsite
Troy Thomas
By: Christine Peterson
There are numerous considerations to bear in mind when choosing the perfect campsite.
It's late. Your shoulders are tired from carrying a pack, or your ass is tired from driving on rutted roads, and all you want is to find a camping spot and stay. But before you commit to the first place that suggests it could house a tent, there are a couple of questions you'll want to ask yourself:
Am I a late sleeper? Do I want to watch the sunrise? Are there bears around? Do I want an Instagram-worthy spot without being that guy that pitched his tent on a wind-swept ledge?
The good news is, you can have beauty, comfort, and safety, but you'll have to be willing to work for it. Next time you pull up to a campsite for the night, either in your truck or on your own two feet, think of these 10 ways to maximize your comfort and minimize the danger.
Plan For The Sun
Area maps can help you both find an ideal location and help situate basecamp according to such factors as predominant wind direction, sunrise, sunset, and, of course, distance to the best fishing hole.
Most of us are either morning people or night owls. Depending on what you prefer, or what you want for this particular night, think about how much—or little—sun will be on your tent in the morning. If you plan to sleep until 9 a.m., choose a spot deeper in the woods where the sun won't crest the horizon and immediately heat up your tent.
Anticipate Storms
Bad weather is almost inevitable on any prolonged camping trip. Avoid campsites amid tall trees or in depressions where water can inundate your basecamp.
"Just as in fishing, think about seams," says Marco Johnson, senior faculty for the National Outdoor Leadership School (NOLS). Fish will choose places that are calm enough to relax but close enough to the fast water to catch food as it passes by. The same goes for avoiding bad weather at a campsite. Find a place that's protected from the wind by a boulder, a small group of shrubs, or along the edge of trees. Then you can have the vistas over meadows and peaks for your pictures but remain protected from any sudden storms. Beware of sleeping in depressions that could fill with rainwater or under the tallest trees in the forest that will, one day, catch a bolt of lightning.
Avoid Bugs
Situating your camp kitchen in somewhat windier locations will help you avoid insects. (Nathaniel Welch/)
Whether it's horseflies, deer flies, mosquitoes, or white socks, most places you're camping will likely have at least one kind of pesky biting insect. Fortunately, you can be a little proactive. If you're in an area known for bugs, choose a campsite farthest away from mosquito-breeding standing water. You may also have to decide between being more exposed and deal with wind or in the trees, fighting the bugs. One option is to cook and eat in a windier area and leave the buggy, protected spots for when you're in your tent.
Check The Trees
Pitching your tent away from dead or dying trees is a must.
As important as it is to look down for the best tent spot, it's maybe more important to look up. Widowmakers got the moniker for a reason: They kill people. When you are choosing a spot, make sure to scan not only right next to your tent, but also a large enough perimeter that if a dead lodgepole pine or some other large tree topples, it won't smash you in your sleep.
Count On Critters
Game trails are great for accessing high-country lakes, but make for poor campsites. (Nathaniel Welch/)
Don't put your tent on a game trail. While a deer passing through might be nice, the grizzly or black bear following it will be less nice. Also, remember to follow standard regulations for food storage and cooking in bear country. Scan for trees suitable to hang food, and keep anything edible out of and away from your tent. Keeping a clean camp isn't just because of bears. Many chipmunks and squirrels have become so used to people dropping food or outright feeding them that they will brazenly chew through your food bag or slip in a vehicle door left ajar.
Stay Away From The Stench
Sure, being near the outhouse in a campground can be convenient when you drink too much water before bed. But often those close spots are also the rankest. The same goes for dumpsters. Check where the bathrooms and garbage cans are when you arrive, and position yourself a far enough distance that you won't wake up in the night with a stench in your nose that won't go away.
Know Your Gear
There's no excuse for gear failure. A backyard dress rehearsal set up can help you avoid heartache once you hit the woods.
This isn't exactly a tip for choosing the right spot, but it's critical to understand how and where to use your camping gear. "You should be comfortable in your ability to put up a shelter that's not going anywhere," Johnson says. In other words, it's important to be able to trust your gear before setting up camp for the first time in the woods. Practice using it and familiarize yourself with your equipment.
Choose A Level Spot
Sometimes the most obvious camping rules are the most ignored. Level ground makes for the most comfortable campsite.
This seems like a basic one—until you don't do it. Finding a spot that's level and positioning yourself in the best way in the tent is the difference between a good night's sleep and waking with a permanent headache because blood rushed to your brain all night. It's also what keeps you from rolling on top of your tent mate, who might never want to be your tent mate again. And while you're checking, scan for rocks and roots.
Leave on Trace
Always be certain to leave your campsite in impeccable condition.
Just because a campsite could be perfect if you rearranged the rocks, logs, and other features doesn't mean you should. "Good campsites are found, not made," says Johnson. If you're in a campground, use designated fire rings and clean up after yourself. If you're in the backcountry, look for spots that have already been used. Pay attention to fire restrictions, and if you build a campfire ring, disassemble it before you leave.
This article first appeared in Field and Stream.


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2019 Mizuno Power Carbon Youth Bat Review
MODEL: Power Carbon
Low MOI (Maximum Control & Balance)
Black Onyx Handle (Comfortable Grip)
Power Ring Technology (Less Barrel Compression)
One Piece Fully Composite
Balanced Swing Weight
Certified - USABAT Stamped Approved - Little League, Babe Ruth, Dixie, Pony, AAU, AABC, USSSA & Cal Ripken
SUMMARY: This season, Mizuno introduces their first one piece fully composite USA Bat with the 2019 Mizuno Power Carbon USA bat -10 drop. It has a balanced swing weight from knob to barrel and features the company's patented Power Ring Technology with the big 2 5/8 barrel. The innovation helps to reduce the amount of compression pinned within the youth bat while omitting a loud boom sound upon collision. The barrel also comes extended with a wider sweet spot region giving the batter added flexibility, comfort and control. It encompasses a super low MOI design which delivers an unmatched combination of balance, power, and swing velocity when ripping through the strike zone. The handle comes prewrapped with their Speed-Helix Grip giving extra support and cushion to the batter's hands. The 2019 Mizuno Power Carbon -10 drop is one of the few composite USA bat options this season.
We are currently testing and working on our full evaluation of the Power Carbon for the 2019 season, please revisit soon! Check out the rest of our 2019 youth baseball bat reviews or signup for our newsletter! to be notified of the release!*


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Cee Lo Green feat. Lauriana Mae – Only You
@CeeLoGreen hooks up with Lauriana Mae for this new track from his as of yet unnamed upcoming album. Sample of Lloyd's "Dedication to My Ex (Miss That)"?
@CeeLoGreen hooks up with Lauriana Mae for this new track from his as of yet unnamed upcoming album. Sample of Lloyd's "Dedication to My Ex (Miss That)"?
@WizKhalifa stopped by Big Boy's Neighborhood with his wifey to discuss Amber's pregnancy, the possibility of a change in direction of his music and name ideas before announcing that the Akon assisted "Let It Go" will be the next O.N.I.F.C single. Wiz's baby shower idea sounds much better than Amber's to be honest. Let me…
Jordan Brand reached out to the living legend Big Daddy Kane to kick a set of bars over a DJ Premier cut in an effort to celebrate the release of the Jordan 28 shoes. Spotted: RR [audio:http://www.ddotomen.com/wp-content/uploads/2013/01/big-daddy-kane-28-bars-of-kane-prod-by-dj-premier.mp3]
Talib Kweli sets it off with a Harry Fraud produced banger off his forthcoming album, Prisoner Of Conscious. Watch the official below and take a listen to the single as well, make sure you support it on iTunes. Directed by Fredo Tovar.
@CyhiThePrynce dropped "Whoa" earlier, and now we get the tracklist for his Ivy League: Kick Back mixtape dropping later tonight. Features to be included on the tape include 2 Chainz, B.o.B, Yelawolf and plenty more. Just incase you didn't figure it out…the tracks are in red.
@CyhiThePrynce samples Big Sean on the hook for this latest offering from his Ivy League: Kick Back mixtape which drops later today.
@terracemartin had originally planned on having this Jay Rock and Wendi Vaughn track on his upcoming 3ChordFold project, but due to issues with sample clearances, it won't be featured. Terrace instead decides to release the track for free. Check it below.
You think a car crash is gonna stop the Bawse? Na. @RickyRozay jumps on K. Dot's "Bitch Don't Kill My Vibe" for hist latest freestyle. Mastermind coming soon.
YEEEURGH! @Pusha_T drops off his highly anticipated Wrath Of Caine mixtape with features from Rick Ross, French Montana, Troy Ave, Wale and more. If "Blocka" and "Only You Can Tell It" are anything to go by, then this is about to be one good fuckin' tape.
@thegame may have already released an in-studio video for the Diddy, Machine Gun Kelly, Red Cafe & Los track, but French isn't leaving it at that. Take a behind the scenes at the official video below.


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You know the old saying, "Behind every business owner is a great team?" If you haven't heard that one, know that at CFO Your Way, this holds true every day, for me as the business owner and for our clients, who rely on my team's expertise and care to put their finances in order and their companies on the profitability track.
Of course, I recognize these professionals' contributions to the work we do in our outsourced CFO practice, but I thought it was time I introduced them to my clients and colleagues. Without these folks, CFO Your Way would not have grown as we have over the past few years, and the businesses we serve would not be seeing the many positive effects on their financials and operations that are helping them thrive.
Steven Blankrot, CPA – Manager
Steve ensures that his clients' accounting work is performed on a timely basis, and. He is the point of contact for clients when they have questions about their financial reports or need guidance about their finances to help make their businesses successful. Steve also assists Cheryl with special projects.
"It is a pleasure to come to work every day because of the terrific people at CFO Your Way. Cheryl has done a great job assembling a team that work hard and are fun to work with. That attitude starts at the top with Cheryl, who cares a lot about her staff. It also shows in the clients we have; they have all been very welcoming to me and are serious about their business."
Judi Tackett – Accounting specialist
Judi has yet to meet a financial reporting system she doesn't like. Her analytical expertise is put to use daily as she extracts meaningful, accurate financial data that guides clients in a range of industries.
"I help them to manage their finance departments and develop processes and controls so they function at the most efficient and profitable level. What I love about working on the CFO Your Way team is that every day is different and I get to customize what I do for each client's best interest."
Cassandra Whetzel – Bookkeeper
Cassandra does more than keep clients' books, ; she is also a virtual assistant par excellence and understands how good customer service affects every aspect of a business. Of working at CFO Your Way, she says that, "I enjoy helping small businesses take control of their finances." Indeed she does—and she does it well!
Vicki Avila – Bookkeeper
Providing support is in Vicki's DNA, given her background as a social worker. She also holds a BS in economics and is a financial analyst for a school district. Vicki assists the team remotely, handling basic bookkeeping for various clients so others can focus on direct client service.
"My favorite things about working with CFO Your Way are how much our clients genuinely matter to all of us, and how supportive our team is of one another."
Lucille Gabel – Bookkeeper
Lucille has owned and managed a family-run business, so she has firsthand understanding of the importance of maintaining accurate financial records.
"My role as a bookkeeper at CFO Your Way is rewarding in several ways, from being on site and working with the people there, to being part of the team that supports Cheryl."


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i struggled all week with what i should write for my sunday blog post. today's horrific news made it seems unimportant.
such evil & sadness this week; from the stanford rape case to today's mass shooting, and lord only knows what has happened in the small corners of this country which the media did not pick up.
there is nothing i write you cannot live without. however, i penned this observation earlier and It seems appropriate today considering the divisiveness we face as americans.
i witnessed a battle last evening as the sun was setting. i watched as they moved swiftly, all six or seven of them. they were moving so fast i couldn't count with confidence. it was so loud & terrifying. they were attacking, raging, i knew something was terribly, terribly wrong. i had never seen anything like it.
the disruption took away my focus from the guests in my home. we were there to create visions of our futures & how we want to see them unfold. i was distracted. this was happening now & i was in the moment.
the windows across my studio number 15. there is an abundance of light, even when it is waning in the evening sky, so my view was crystal clear.
from far away it appeared as a scene out alfred hitchcock's film "the birds." it wasn't normal. the menagerie of starlings, robins & blue jays were squawking & swooping in what appeared to be against one another. it was so loud.
they weren't fighting each other.
i saw it rising once, then down & rose quickly again, with it's wings set for full flight. the colorful group of winged creatures ensuring the safety of another chased the evil, the expansive brown hawk. like first responders, the gang of fowl continued to swoop & holler telling the perpetrator they were in charge. evil was not welcome here.
i raced to see what caused such commotion, presuming one of the flock's own had been attacked. i was wrong. the smallest of baby bunnies was flaying around in the greenest of grass. those ridiculously loud, gloriously protective creatures had been risking their safety for that of another's child.
how lovely would it be if we could all go to bat for the ones different than us; the ones who do not look like us; because our skin is not the same color; or they live in another neighborhood; because have different religious or political beliefs; or because they love someone other than the traditional ideal.
while nature has it predators waiting to strike on those who are innocent or weak, we can rise up as a community & defend those in need. we can come together no matter the differences & protect those who cannot always ask for the help.
to know, as a mother, that when my daughter goes out into the world unknown, there will always be people who don't look like her, sound like her, think like her or love like her, but are there for her, my babybird.
we must teach our children to respect those who are weaker & more trusting. we must lead our future leaders to be kind hearted, thoughtful & know right from wrong, no matter what or where.
once the air raid in my backyard vanished, i offered protection to the now traumatized & wounded baby hare. as i placed iron chairs over it to avoid further attack, it righted itself a bit. staring up at me, it's breathing raced as it darted away from my assist. i whispered repeatedly how sorry & it would be alright. with another burst of energy, it made a wobbly dash for safety beneath a stack of pallets nearby.
this morning i made a cautious check for a lifeless body beneath the wooden stack. there was no body. there was no baby bunny. it had moved on, hopefully guided by it's mother to a place of healing. a second chance, because one community protected the vulnerable, even though it was not their own & was nothing like them, except alive.
my heart breaks for all who suffer from hate, violence & injustice. teach your children better. listen & pay attention to those who may be in need of better brain health.
our country is only as strong as the weakest part. stop blaming others, look inward & ask what can i do? how can i help others? how can i help my community? how can we make america stronger.
as always i wish you all...
peace, love & gratitude.
xo, PG


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Korean actor Jang Keun Suk has donated 100 million won (approximately 95,000 dollars) to Hanyang University as a scholarship.
On April 2, it was reported that Jang Keun Suk provided 100 million won to provide academic and financial support to the students at his alma mater.
Previously in 2011, when Jang Keun Suk was enrolled as a student at Hanyang University, he made 1.2 billion won (approximately 1.1 million dollars) donation as a scholarship as well.
In recognition of his continuous donation, Hanyang University even created 'Jang Keun Suk Scholarship'.Furthermore, Hanyang University has appointed Jang Keun Suk as a professor in order to give back the efforts he has made for the development of the school.
He was invited as a special professor in the 'Philanthropy' course that was established for the first time in Korea.
During the lecture, Jang Keun Suk shared his experience of donating and volunteering, and emphasized the need and importance of these actions.Jang Keun Suk said, "Just like the motto of Hanyang University 'The Practice of Love', I'm just glad that I'm able to give more opportunities to the students here."
The actor continued, "I would like to help out as much as I can on anything the school needs."
Upon hearing the news, the public has been giving positive feedback on Jang Keun Suk's charitable actions.Currently, Jang Keun Suk stars in SBS' new drama 'SWITCH', in which he plays two contrasting characters―a righteous prosecutor 'Paik Jun-su', and smart con artist 'Sa Do-chan'.
(Lee Narin, Credit= SBS funE, Tree J Company)
(SBS Star)


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actionscript 2 Resizing SWF document size in Flash, flips all the animations?
Thanks Aspiro! That worked like a charm! I created a MovieClip based on the background I had and then selected every frame in the animation, Copy frames, entered into the MC and Paste frames. Once I did that, I deleted the original animation frames and voil! Thanks again!
This function resizes all you objects keeping they aspect ration and using symbols 0.0 point as pivot. Sometimes it means that you have negative scale which mean mirror flips on one or two axises. The better choice for you will be place all your content (animation and stuff) inside new MovieClip and resize it by tranform tool.
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In this tutorial, we learn how to make tarragon walnut brown butter sauce. You will need: 3 tbsp unsalted butter, 1/4 c freshly squeezed lemon juice, 1 tbsp chopped fresh tarragon, 2 tbsp chopped walnuts, salt and pepper. First, throw the chunk of butter into a sautee pan on medium heat until it foams up. Cook this for about 6-10 minutes until it turns a light brown color, then add in the walnuts. Be careful not to burn your walnuts, just swish around in the butter for 1 minute. After this, cool down the sauce with your fresh lemon juice and turn off the heat as soon as the mixture comes to a boil. Then add in your tarragon, salt and pepper. Spoon this over hot fish as soon as it's ready and it tastes great when prepared!
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Community Engagement
Found 9 Items
Sharing the joys of archaeology on the A14C2H Summer Community DigAugust 15, 2018
The MOLA Headland team have been reflecting on their experience of the A14C2H Summer Community Dig so far. Our archaeologists are extremely efficient at managing archaeological projects, including the A14 Cambridge to Huntingdon Improvement Scheme, but the thrill of a career in archaeology is in uncovering remnants of the past. …Read More
A walk through Digbeth's historyJuly 22, 2019
As archaeological excavations of Park Street burial ground for HS2 come to a close, MOLA Headland Community Engagement Officer, Andy Sherman, explores the hidden historical treasures of the immediate area in this blog. If you'd like to explore the often-forgotten gems of Digbeth for yourself, then download our self-guided walk….Read More
Local volunteers record gravestones of their 18th and 19th century forebearsDecember 22, 2018
Over the summer an enthusiastic team of volunteers worked alongside our archaeologists to record the inscriptions of over 350 gravestones associated with St James's burial ground in Euston, London. The gravestones are being studied for the HS2 archaeology programme. In this blog Community Engagement Officer, Paul McGarrity, tells us more….Read More


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Single Family Detached
- 3 beds
- 4 baths
- $189,000 price
- 238586 mls id
- Square Feet: 2,348 sqft
- Year Built: 1945
Charming South Highlands home with beautiful tree lined street. Home completely updated with brand new flooring and paint. This home has a ton of storage with walk in closets and pantry. The Large Master bedroom has built ins and a fireplace for cozy winter nights. The large shady backyard is ready for pets or kids to play. A game room or office in the front of the house will help those working from home.
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Beautiful, well loved home recently remodeled with wood floors, new kitchen cabinets, all new appliances, granite, fresh paint, etc. Half bath is in storage work area in garage. Has Separate formal living and dining areas, which could be used for an office, etc.
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Adorable South Highlands Charmer with Mediterranean touches * Brick Home Has Beautiful Arches Leading To Entry Of Home And In Screened Porch * Open Floor Plan With Wood Floors Throughout * Neutral Colors In Home * Kitchen Has Granite Counters, Stainless Range And Dishwasher, Tile Floors * Master...
732 McCormick St Shreveport, LA
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Courtesy of: Gosslee
Listing Agent: Karyn Bodden
Updated: 23rd October, 2019 2:49 PM.
593 Unadilla St Shreveport, LA


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The University of Chicago Primary Care Group has terminated its contract with HMO Illinois, the health maintenance organization of Blue Cross and Blue Shield of Illinois, effective July 1.
U of C docs leave HMO Illinois
The physicians group says reimbursement from the state's largest HMO does not cover the cost of care for patients with serious health problems. "We were paid to take care of an average mix (of patients), so we were losing money on the arrangement," a spokesman for the physicians group says.
The 14,405 HMO Illinois members who seek care from the U of C physicians group will have to find new doctors if the termination takes effect as planned, a Blue Cross spokesman says.
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34 Modern Guest House Floor Plans
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Autor(i): Holly Smale
Editura: Harper Collins Childrens Books
Anul aparitiei: 2016
Limba: engleza
Stare: nefolosita (noua)
Categorii: Fiction, Children's and educational, Carte straina, Carte nefolosita, Teenage romance
Disponibilitate: in 30 zile
Pret: 41,94 LEI
The latest book in the bestselling }Geek Girl{ series, following the life of Harriet Manners. Has Geek Girl overstepped the mark, and is following the rules going to break hearts all over again? The series has sales of more than 400,000 copies, and rights have been sold in more than 23 countries. Ages: 11+. Now in paperback.


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Best Time Visit Brazil
Brazil tickets cheap
Our airfare search engine page is designed to help you find cheap tickets to Brazil and Rio de Janeiro. We re different than most other international travel web sites, as we offer you the ability to search several well known travel sites to compare and find cheap flights to Brazil, Rio de Janeiro, and…
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Visiting Brazil from US
So I was born in Brazil and have lived in California for more than 20 years. I am often asked about travel in Brazil by my American friends. This post is meant to collect helpful information. How many days I need to visit Brazil? Where to go? Most people find surprising to learn that Brazil is larger than the continental US. So there is no way to "visit Brazil" in a few days…
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Best city to visit in Brazil
Sprawling across half of South America, Brazil is the fifth largest country in the world. White-sand beaches, tropical islands, music-filled metropolises and charming colonial towns are dotting its 7, 500 km (4, 600 mi) long coastline. Inland, Brazil tourist attractions consist of imposing waterfalls, wetlands filled with wildlife, and the untouched wilderness of the Amazon…
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Main language in Portugal
Count the reasons why to learn Over 230 million people speak Portuguese (Brazil alone has a population of 190 million). Sixth most widely spoken language (spoken in four continents: Europe, South America, Africa, and Asia) The official language of eight countries: Angola, Brazil, Cape Verde, East Timor, Guine-Bissau, Mozambique, Portugal, and São Tome and Príncipe. Also spoken…
Read more
Best time of year to visit Brazil
Florianopolis is a south Brazilian travel destination in Santa Catarina Island that is 710 miles/1140 Kms away from Rio de Janeiro, 438 miles/705 Kms away from Sao Paulo and 296 miles/490 Km away from Porto Alegre and Argentine (land distances). Florianopolis is magnificent place for sailing, surfing, diving, playing golf or just to relax. For those interested in beach life…
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Our Vision For Our Imports Network
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We admire brands who are as passionate and intentional about quality as we are. To meet the requirements of the market, we value beverages that offer a unique and exclusive experience to consumers, something that will intrigue them with a taste that's new and inspiring.
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Jan 7, 2019. The principal approach to treatment of GERD is to reduce gastric acidity. There are powerful drugs used to reduce the secretion of acid, which.
What is the pH of stomach acid when your stomach is not full of food? How long does food stay in your empty stomach for? Question Date: 2003-02-14
Mar 5, 2017. Prostanoids are synthesized from arachidonic acid by either COX-1 or. of the stomach from the erosive effects of stomach acid (stomach fluid.
Services A-Z. View a comprehensive list of ITS supported services, helpful documentation, and login information. To log in to the self-help resources, use your Hamline credentials.
Objective: To measure the quantity of stomach acid that can be neutralized by a tablet of. The parietal cells in the stomach secrete hydrochloric acid (HCl) at a.
Acids have a pH of less than 7, bases (alkalis) have a pH greater than 7. Enzymes in the stomach, such as pepsin ( which digests protein ), work best in very acid.
Calcium Carbonate Used Indigestion Tablets The pH runs from 0 (strongly acidic) through 7 (neutral) to 14 (strongly alkaline). Salts are made when acids and bases react together. The particular salt made depends upon the
H. pylori, a true stomach "bug": Who should. – Hi, Thank you for the wonderful article. Was very informative… I recently experienced burning sensation in my stomach and some acid reflux and was diagnosed with h pylori.
Stomach acid, sometimes called gastric acid, consists of potassium chloride, sodium chloride, and hydrochloric acid. The concentration of hydrochloric acid in.
Apr 9, 2015. Although serotonin is well known as a brain neurotransmitter, it is estimated that 90 percent of the body's serotonin is made in the digestive tract.
Acid in the stomach functions to kill bacteria, and to aid digestion by solubilizing food. The acid is also important to establish the optimal pH (between 1.8-3.5) for the function of the digestive enzyme pepsin.
Also, urease production aids in buffering the stomach's acidity. H. pylori in the. August 16, 2006. http://microbewiki.kenyon.edu/index.php/Helicobacter. May 6.
Upton Sinclair Hits His Readers in the Stomach – History Matters – Upton Sinclair Hits His Readers in the Stomach. a sore that would put him out of the world; all the joints in his fingers might be eaten by the acid, one by one.
Mar 26, 2016. Stomach. Surface Mucous Cells. Chief Cells. Mucous Neck Cells. with standard acidic or basic dyes, but is demonstrated with the Periodic Acid Shiff procedure (PAS stain). http://www.siumed.edu/~dking2/erg/gicells.htm
Suggestions for additions to this index may be sent to [email protected]
Stomach acid test: MedlinePlus Medical. – Stomach fluid is removed through a tube that is inserted into the stomach through the esophagus (food pipe). A hormone called gastrin may be injected into your body. This is done to test the ability of the cells in the stomach to release acid. The stomach contents are then removed and analyzed.
Entertainment & Arts Management OVERVIEW. In 2016, the global entertainment market is projected to exceed $2 trillion, according to a report published in Billboard magazine, a key industry trade publication.
4 days ago. Although it's harmless to many, H. pylori can cause stomach cancer as well as. H. pylori uses it as raw material for neutralizing the acid that otherwise would kill the bacterium. Nikki Lin; 310-206-8278; [email protected]
Sep 6, 2009. In severe cases, NSAIDs can irritate the lining of your stomach so that. If acetylsalicylic acid or salicylate is listed, it may be better not to take.
Who We Are · Our Principles · Diversity and Inclusion · Harris By The Numbers · History · History of Harris · Legacy of Irving B. Harris · The Keller Center.
California State University of Bakersfield, Department of Chemistry Stomach Acid Standards: 4-LS1-1. Construct an argument that plants and animals have internal and external structures that
UTMCK Stomach Physiology: Functions of the Stomach Bulk storage of undigested food Mechanical breakdown of food Disruption of chemical bonds via acids
Gold King Mine. In August 2015, an estimated 3 million gallons of acid water and heavy metals spilled from the Gold King Mine into Colorado's Animas River, eventually flowing into the San Juan River, the primary source of irrigation for Navajo Nation farmers.
Therefore the use of agents to further reduce your stomach acid makes absolutely no sense AND may cause serious problems. I would like to share with you.
General contact information for Harvard University, including mailing address and contact information for admissions
The Purdue Parking Facilities Office strives to meet the parking needs of students, faculty, staff and visitors in supporting the mission of the University. Our operations are committed to stewardship, sustainability, safety, and customer service to provide quality service and educational
Normally, the esophagus goes through the hiatus and attaches to the stomach. In a hiatal hernia, the stomach bulges up into the chest through that opening.
Stomach. The most conspicuous tissue feature of the stomach is the thick glandular mucosa, packed with gastric glands which secrete digestive enzymes and acid.
BROWN UNIVERSITY HEALTH SERVICES | www.brown.edu/health | 401.863- 3953. What is. prolonged exposure to the high acidity of stomach contents.
-Gastric acid is a digestive fluid, formed in the stomach. It is composed of hydrochloric acid.The main job of stomach acid is to break down food into molecules your body can absorb.-However if your lower esophageal sphintcter relaxes or becomes weak stomach acid can flow backwards into the esophagus causing the burning sensation of heartburn.-To neutralize an acid a base needs to be added.
Chris Jordan's online photography gallery.


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TerraVida is proud to be a sponsor at this year's Kocktails for Kitties!
This fundraiser is to benefit P.A.L.S. (Pet Adoption and Lifecare Society), a full service animal help organization dedicated to the well-being of all animals.
This year's event offers an all you can eat traditional Italian feast, consisting of a changing choice of authentically prepared tuscan meats, roasts, fish, seafood, cheeses, salads, breads, pastas, and fabulous desserts of Italy's most famous region! Open beer and wine bar. Tables can be reserved for groups of six or more.