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Lola Bouchã©'s PhotoBlog
Braids of Glory
[Miss Atomic Bomb Making out, we've got the radio on You're gonna miss me when I'm gone] Hey everyone! So here's another hairstyle for you today. I've been…
posted on Dec. 12, 2014
Hello Old Friend
[We got our own style We got a way of livin' life If they can't get down Well we don't need them around] Hey everyone! Wow! I think it's been about 3 years…
posted on Dec. 11, 2014
[2/366] The spectrum
[Say my name and every colour illuminates we are shining and we will never be afraid again] Today was a great day! I went to the grocery store with my sister…
posted on Jan. 02, 2012
[1/366] The 2012
[I am done with my graceless heart So tonight I'm gonna cut it out and then restart Cause I like to keep my issues drawn It's always darkest before the dawn]…
posted on Jan. 01, 2012
1980s Color block dress
Hey guys! I recently bought this dress off of andemonster's store online on etsy.com! I absolutely love it :) And yes, I will be doing a 365 for 2012! :D…
posted on Dec. 03, 2011
New 365 for 2012? YES!
I'm so excited!! I am going to be starting another 365 for next year!
posted on Nov. 15, 2011
I'd figure I should post at least something! After posting 1 photograph a day for an entire year, not posting for such a long time feels so strange! But…
posted on Oct. 01, 2011
People talk
And you know what really hurts? When people talk about you and you don't know about it. People say I've changed, and sure, I have, but I know you have too and…
posted on July 06, 2011
New make up :)
Warm summer tones with brand new electric creme eye liner! If you'd like, please check out my blog [the-mod-girl.blogspot.com]! :) Thank you so much! Eye liner…
posted on June 21, 2011
Possessed self
Just some experimentation with slow shutters :) -silversuns.☀
posted on May 23, 2011
Seems like forever ago
[Unless you wanna show Me a lovely place out of town Where you feel most at ease Well you are the one that I like Always will be] So I haven't posted here on…
posted on May 14, 2011
Some more biology fun!
posted on Jan. 21, 2011
Biology Lab Fun!
Today we used a compound light microscope in biology and I got to take a few photographs with it :)
posted on Jan. 13, 2011
[365/365] The story
[Who celebrates with the moon? That you're like a wave, come again] Want to see my 365 in a video? Click HERE! [youtube.com] I'm done! I did it! My first 365!…
posted on Dec. 31, 2010
[364/365] The downer
[I've been watching your world from afar I've been trying to be where you are And I've been secretly falling apart] If any of you are wondering where the rest…
posted on Dec. 30, 2010
[363/365] The scaredy
[All you need is love, love Love is all you need] My sister and my boyfriend are so mean. Haha they decided to scare me! And it worked perfectly! -silversuns…
posted on Dec. 29, 2010
[362/365] The romantic
[Come together right now Over me] Hopeless romantics. ALMOST DONE WITH MY 365! -silversuns.☀
posted on Dec. 28, 2010
[360/365] The rose
[Teenage dreams in s teenage circus Running around like a clown on purpose] I bought this dress for New Year's Eve and you won't be able to see the whole thing…
posted on Dec. 26, 2010
[358/365] The eve
[Tonight we're going hard Just like the world is ours] Today is Christmas Eve! We went out for dinner at a Mexican restaurant and it was delicious! After that…
posted on Dec. 24, 2010
[357/365] The stretcher
[And now I tell you openly You have my heart so don't hurt me] I'm so happy! :) -silversuns.☀
posted on Dec. 23, 2010
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New appropriations by Congress this week allowed the Small Business Administration to offer enhanced loan guarantees through Feb. 28. SBA is raising guarantees to up to 90% on the 7(a) and 504 loan programs and waiving fees on most loans. New Jersey district counsel John Villios said the improved SBA lending terms resulted in larger lending volume the first time they were offered and he expects this extension to make a difference, too.
Full Story:The Buffalo News (N.Y.), NJBIZ (New Jersey)

subset: commoncrawl


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Healthline Blogs
Healthline Connects
Big Leap Forward in Understanding Genetics Underlying Prevalent Diseases
The Wellcome Trust Case Control Consortium (WTCCC), a collaboration of 24 leading human geneticists analyzing thousands of DNA samples from patients suffering prevalent human diseases, have announced breakthrough research findings. Hailed as a "...new chapter in medical science...", genetic variants have been found for:
- depression
- Crohn's disease
- coronary heart disease
- hypertension
- rheumatoid arthritis
- Type I and Type II diabetes
Some of the fascinating findings:
- Type I Diabetes and Crohn's disease share a common gene, suggesting similar biological pathways!
- An obesity gene as well as three new genes linked to Type II Diabetes
- The WTCCC used gene chip technology, which is not unlike microchip technology, enabling scientists to scan hundreds of thousands of DNA markers at once.
Thank you jurvetson for use of photo Playing with DNA featuring James Watson!
Recent Blog Posts
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London's most aggressive estate agent Foxtons today said it would double in size over the next five years as it announced plans to raise £55 million next month.
Foxtons, renowned for its fleet of branded Minis and its tough sales tactics, will return to public markets after a six-year absence, using the cash to clear debts as majority owner BC Partners capitalises on a housing recovery and soaring prices in the capital.
The agent, founded by Jon Hunt in 1981, has 42 branches, all but two of which are in London. But the company said in float documents today it had identified "at least 60 additional local markets" and plans to open up to 10 branches a year between 2014 and 2018.
"There is also the potential to expand into the South-east of England in the longer term," it added. Management, including chief executive Michael Brown, has a 20% stake in the business, which could be valued at up to £100 million following the float. Foxtons itself could be valued at £500 million.
The sale comes against the backdrop of the biggest rise in UK house prices since 2006 last month, according to the Royal Institution of Chartered Surveyors, buoyed by support for the mortgage market from the Bank of England and the Treasury. Foxtons' key market is selling homes ranging in value from £200,000 and £1.4 million, which accounted for 78% of all sales in London last year. The agent achieved an average of 96% of clients' asking prices, enabling it to charge premium commission rates of 2.5%. Between January 2011 and December 2012, Foxtons sold one in every three homes sold in the City, one in four in Ladbroke Grove and one in every five flats sold in Chelsea. BC Partners is beating the rush to market in a busy autumn expected to feature the privatisation of Royal Mail as well as the sale of part of the taxpayer's 39% stake in Lloyds Banking Group.
The private-equity firm bought the company from Hunt at the peak of the housing market in 2007 for £360 million but business plunged in the wake of the credit crunch. BC Partners ceded control in 2010, before taking majority ownership again last year with a £50 million cash injection.
A clutch of City advisers have been drafted in on the float. Credit Suisse and Numis Securities will be the joint book-runners on the offering.
- More about:
- Banking
- Credit Suisse
- Housing Prices
- Investment
- Lloyds TSB
- Loans And Lending Market
- London
- Privatization
- Property
- Royal Mail Holdings


text:
The radio flickers in and out of static
Electricity in the air
Is breathed into our lungs
And static in our blood
Electricity in the air
News of war and hate
Static in our blood
Sullen eyes and empty hearts
War and abhorrence
Ravaged homes
Sullen eyes, empty hearts,
Soldiers that we used to know
Ravaged, empty homes,
Gun shots in the distance,
Soldiers that we once called friends
Become monsters as they march to the beat of our deaths
© Copyright 2017 sirenscalling. All rights reserved.
Status: Finished
Genre: Poetry
Good poem. "Sullen eyes and empty hearts" is a very good image that forces you to think about it. Can't wait to read your next poem.
The last line :O wow.. incredible :D This entire poem was dark and with a strong feel to it all, amazing :D
I like the message it portrays and the imagery
Wow!!!! Powerful, powerful poem! You write with such feeling that it creates a whole set of emotions while the reader moves through it! I had such feelings of anger and despair as I read through this....and that's all thanks to the lovely writer to bring those emotions out of me! Seriously - excellent work!~
This is another amazing poem :) I love the way you described the soldiers, it was really good :)
Poem / Romance
Poem / Poetry
Poem / Poetry
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great deal
By Doc
from Mentor,OH
About Me Frequent User
Comments about Canon CLI-221 Four Color Pack Ink Tank:
great for photo's
Bottom Line Yes, I would recommend this to a friend
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I would buy this product again.
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from Montrose, CA
Original product.
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Prompt and professional shipment - excellent job.
Great Ink
By JEH
from East Hanover, NJ
About Me Infrequent User
What is there to say about an ink replacement? Perhaps that it is necessary to replace in order to continue printing? That it is always better to replace with the original manufacturer's inks?
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Added to Cart
DisplayPort to DisplayPort Cable (Male to Male, 1.2m)
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DisplayPort to DisplayPort Cable (Male to Male, 1.2m)
Instant connections.
Seamlessly connect your media devices using this DisplayPort cable.
- Transmit high-bandwidth data between your media devices
- Avoid unnecessary adapters with a male-to-male adapter
Connecting your displays, PCs and media devices has never been easier, thanks to this DisplayPort to DisplayPort Cable (Male to Male, 1.2m)! Perfect for mirroring your laptop or home computer onto a second screen, you'll be able to link all your devices straight away.
Created with a sturdy, male-to-male connection, you'll also avoid unnecessary adapters – just plug the cables in and you're set!
Connect your laptop, tablet, desktop or mobile phone to this display via DisplayPort for maximum resolution.
This Product is offered and supplied by Kogan Australia Pty Ltd pursuant to the Terms and Conditions.
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Vifah V275
V275 Outdoor FSC Eucalyptus Bench
Quick Specs:
- Width: 65"
- Height: 35"
- Depth: 23"
Enter zip code for delivery ETA and promotions:go
Learn more »
This bench is made from premium grade �Eucalyptus Gradis� hardwood, grown in 100% well managed forests in Brazil, certified by the FSC (Forest Stewardship Council). There is little difference between Eucalyptus and Teak when broken down to their core essence. The biggest attribute of Eucalyptus is undoubtedly the strength of the timber. It�s renowned for its excellent resistance to every day wear and tear. It is extremely durable and tightly grained to produce a desirable density. It remains unaffected by all variations in weather, especially its resistance to damp conditions makes itself extremely competent at combating insect attacks and decay. Available at AppliancesConnection
- Warranty: 1 year against manufacturing defects
- Assembly: Some assembly required
- Item type: Garden Bench
- Style: Traditional
- Finish: Oiled rubbed
- Wood: FSC Eucalyptus
- Care and cleaning: Apply oil once a year to maintain color
- Protective qualities: Mold, mildew, fungi, termites, rot and decay-resistant
- Product dimension: 57 L x 22 W x 35 H (inches)
- Product weight: 45 lbs
- Slatted back, with armrests
- Sustainable claims: Renewable resource
- Sustainable certification: Forrest Stewardship Council (FSC)
- Brand:Vifah
- Stock Id:209612
- Product Number:V275
- Color:Brown
- Type:Picnic
- Material:Wood
- Frame Material:Wood
- Arms:Yes
- With Back:Yes
- Glider:No
- Width:65"
- Height:35"
- Depth:23"
- Style:Contemporary
- Bench Weight:45 lbs
Technical Details
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text: Item is not available Find Another One Others Looked At... SIG P238 380ACP NITRON SLITE ENGRAVED w/... SELLER: R R Gun Shop 1 $655.00 Sig Sauer P238 Rainbow Pistol SELLER: R R Gun Shop 1 $625.00 !! REDUCED !! Hand Engraved Sig Sauer P2... SELLER: ELengraving 1 $1,000.00 SIG SAUER P238 380 ACP EXTREME 380 NITRO... SELLER: My Gun Vault 1 $595.95 SIG SAUER P238 380 ACP NITRON/ROSEWOOD 2... SELLER: My Gun Vault 1 $599.99 Sig Sauer P238 380ACP DESERT TAN SLITE 2... SELLER: My Gun Vault 1 $629.99 Guns Pistols Sig Sauer Sigarms Pistols P SIG SAUER P Two Tone ACP W Night Sights | 1478 | 42 | Lc | 234.3699ms SIG SAUER P238 Two Tone, 380 ACP, W/Night Sights For Sale from Buckeye Armory | Positive feedback: 98% View | Verified Seller | 1160 Completed Sales View Sellers Items This item is no longer available. /UserImages/138570/988686642 6387853.jpg Description Shipping and Payment More Info Reacting to many requests from the marketplace for a subcompact SIG SAUER pistol, engineers designed the new P238 as a smart looking, small handgun built with the same accuracy and reliability as large frame SIG SAUER pistols. With an overall length of just 5.5 inches a height of 3.96 inches, and weighing just under a pound, the SIG SAUER P238 is the ultimate firepower in an all metal frame concealed pistol. The P238 is built on an anodized alloy beavertail style frame with fluted grips for comfort and a secure hold during rapid-fire usage. The stainless steel slide features the popular SIG SAUER slide serrations and improves overall performance and accuracy. Additionally, the SIGLITE® Night Sights are removable and adjustable for windage. The sear and trigger return spring are redesigned to prevent spring over-ride of the ejector during assembly. Item Number 238-380-TSS Caliber .380 ACP (9mm short) Action Type SAO Trigger Pull DA N/A Trigger Pull SA 7.5 - 8.5 lbs Overall Length 5.5 in Overall Height 3.9 in Overall Width 1.1 in Barrel Length 2.7 in Sight Radius 3.8 in Weight w/Mag 15.2 oz Mag Capacity 6 Rounds Sights SIGLITE Night Sights Grips Fluted Polymer Grips Frame Finish Black Hard Coat Anodized Slide Finish Natural Stainless Accessory Rail No Features Beavertail style frame, fluted grips We strive everyday to provide Fast Shipping, Great Deals and a Hassle Free buying experience – Just look at our feedback! We want your business!! All firearms ship with insurance. Visa, MasterCard, Discover, money orders and personal checks are the forms of payment we take for orders. Personal check orders will be held for 5 business days before shipped. All Prices reflect a 3% cash discount. A 3% CC fee will be added for credit card payments. Trades Accepted: No We can't guarantee by Christmas at this point due to high order volumes.AGE: 21 for handguns & 18 for long guns.All prices reflect a 3% cash discount. If you use a credit card 3% will be added to final cost. Money orders/cashiers checks mailed will get you the 3% cash discount.Please allow 2-5 business days before your gun ships, it that time of year. when it does ship you will receive an email with the tracking info.All our firearms are new in box (factory new). They haven't been on display for customers to finger.Alaska & Hawaii pay the exact cost of shipping (usually around $40). You will need to have a FFL dealer in your area fax or Email us a copy of their license before we can legally ship. If you don't already have a FFL dealer that you use we can find one for you.Returns: ONLY if you don't complete the background check with your dealer and ONLY if the firearm is visually defective. Gun MUST be returned as it was sent, unfired. Condition: New In Box Caliber: .380 (all) Location: OH Share Item Item #: 988686642 SKU: 238380TSS Stock No.: 238380TSS This item is no longer available. Price: This Seller Accepts Online Payment Shipping: $25.00 (or Arrange local transfer) Accepted Payment Methods: Returns: No Returns Buckeye Armory Seller Since: Dec. 2011 Seller Level: Verified This seller is an FFL City: Beavercreek State: OH Your Recently Viewed Items


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BEST WESTERN Holiday Lodge
No prices found through our partners. Please contact the business directly or check some of our recommended alternatives.
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TripAdvisor Reviews BEST WESTERN Holiday Lodge Clear Lake
Travel Blogs from Clear Lake
Last leg!
... compass to the cache. It leads us to a wooded area and I find the ammo box stuck up in a tree between branches. I take a picture (required) and sign the log. Two CAA's in one day. It is still raining but signs of letting up. We decide to head to a nearby Walmart and spend the night. They allow this if you check in with them and let them know your intentions.
We need get to Forest City, Iowa before 3PM tomorrow to pick ...
Wes - Iowa, America's Heartland!
... on the tornado winds and hail! As the storms rolled through Sat and Sun, they were not as bad as predicted, but it was awful nice not to worry about the airplane.
Sunday we went to the local "Power Show" which turns out to be the big tractor/machinery gathering for this area. We gawked at every conceivable model of tractor (this years theme was Allis Chalmers).
The show is hosted by Prairie Homestead farm ...
Wes- ReDiscovering America
... and asked about a place to stay, they very kindly tucked my airplane in a hangar for the night and I drove the courtesy car into town for a much need shower and hotel room.
So now I'm out of the open ranges and ranch lands of Montana/Wyoming and deep into the corn country of Nebraska and Iowa! My next stop is to see my buddy Gary in Belmond, IA, who I worked with at ...
Chicago to Mason City, IA
... Donald Featherstone, creator of flamingo lawn decor, who just died
The real treat of the day was visiting the Bily Clocks Museum in Spillville Iowa. You must visit the web site. This is a very small town and off the beaten track.
These 2 brothers from Czech Heritage lived and worked into their 80's, carved ...
On the Road
... driving our home. Things like do not back into objects, make wide turns, do not get hemmed in at gas stations, watch out for awnings, tree limbs, etc that could damage the roof and do not put water in the gasoline tank! I sure hope we remember these on the road. As we drove off, we were so excited. Our first stop was Super Walmart in Spirit Lake, Iowa. We got a taste ...


text: OverviewBack to top Sunshine Spa - Body Oil Rest Relax - 8 oz. Item# :68484UPC# :076950112155 Brand:Sunshine Spa Size/Form:8 oz. Recreate the healing treatments of world-class spas in the privacy of your own home with Sunshine Spa body care products. Drawing on Ayurvedic principles, our herbalists have carefully formulated these bath and body oils to enhance beauty by restoring and repairing the skin.


text:
|The Woman in the Fifth Trailer (U.K. Version)
|A college lecturer flees to Paris after a scandal costs him his job. In the City of Lights, he meets a widow who might be involved in a series of murders.
|Related Titles:
|The Woman in the Fifth
|Related Names:
|Julie Papillon, Kristin Scott Thomas, Joanna Kulig, Mohamed Aroussi, Samir Guesmi, Ethan Hawke, Delphine Chuillot
|Content Rating:
|Not Rated
|Video URL:


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Onkyo E700M In-ear headphones Black with microphone
"Let's be clear from the outset - I'm not overly qualified to provide an in depth review on in-ears. I own a pair of Sony EX650's based on Whathifi's review/award and that's about all I have as a comparison when it comes to in-ears. I have had a number of decent on and over ears and my current pair are some Sennheiser HD25's (which I love for the price). not had too many complaints with the..." --mattjay84
Onkyo ES-FC300 On-Ear Headphones
"Introduction: This was an impulse purchase. Not that it was hyped much (trust me, it isn't), I just wanted to buy an on ear headphone, and these sort of showed up. They're relatively new so I wondered if they'd be a diamond in the rough among some pretty stiff competition (V-Moda M80, UE6000, Martin Logan Mikros 90, ATH M50, ATH WS99, MDR -1R, and many many more). ..." --Trunks159
Onkyo ES-HF300(S) On-Ear Headphones, Silver
" Introduction: This was an impulse purchase. Not that it was hyped much (trust me, it isn't), I just wanted to buy an on ear headphone, and these sort of showed up. They're relatively new so I wondered if they'd be a diamond in the rough among some pretty stiff competition (V-Moda M80, UE6000, Martin Logan Mikros 90, ATH M50, ATH WS99, MDR -1R, and many many more). ..." --Trunks159
Munitio SITi S Nine Millimeter Earphones - Dark Silver
" These seem to have fallen out of favor in the last few months. I don't know why. Maybe it's because they're not "audiophile" level gear. I mean, it works out in my favor because I got them on the cheap, but it's kind of sad for Munitio. I want to sing their praises from the rooftops personally. I would have been happy to have paid full price, and maybe a little..." --benzoylmethyl
ONKYO A800 50mm Open Back Headphone
" The ONKYO A800 is a very impressive headphone indeed, and I believe it has the potential to really earn a following among headphone enthusiasts. To be sure, we are in an unprecedented period where companies are putting significant time and R&D effort into producing capable headphones, and among this sea of excellent headphones it is a challenge to..." --Sonic Defender
ONKYO sealed wireless headphone Bluetooth-enabled / NFC support / remote control with microphone H500BTB (Black)
" I am very glad that ONKYO released their new line of headphones into the North American market this June. I had been very curious about trying the ONKYO sound, but knowing new models were soon to arrive I didn't want to dabble in the previous models so I decided to wait. I had also owned and was suitably impressed with the ONKYO DP-X1 DAP so my instincts told me that ONKYO..." --Sonic Defender
Munitio Call of Duty COD MW3 Special Edition 9mm Earphones With In-Line-Mic MW3 B-MW3-002 Billets
"This is my first review on headfi. I recently joined and although I love headphones and music, I don't have much technical knowledge. I was looking for a good pair of earbuds to use with my cellphone, as well as during workouts etc. This one fit my needs perfectly, had great reviews on amazon and wasn't very expensive. The package includes a carrying pouch, earpieces (S, M, L), earhooks ..." --sonomics
Onkyo IE-FC300 In-Ear Headphones
"Design: The body of these buds are really large, especially the driver portion which I feel is fairly thick. They are comfortable if the large drivers do fit on the outer portion of your ear but people with small ears will probably experience some discomfort. The detachable cables are a dual pronged sword. Its nice that you can switch out the cables if you want to, but as I have experienced..." --theinvertedsky
Technical Pro HPT990 Professional Headphone
"Expanding on the pros, other likes- - These cans are pretty comfortable imo, with the velour pads and soft headband. I havent had any problems with pressure points on the headband, and have been able to wear them for several hours on end without much fatigue. Clamping force is just right. Tighter than, for example, a Creative Aurvana Live, but looser than my FA-011s. Fairly light weight. -..." --kidcharlemagne
Munitio PRO40 High-Performance Headphones
"Gallery: http://www.head-fi.org/g/a/820286/munitio-pro40 The Pro40 is Munitio's first foray into full sized headphones. The manufacturer is well known for their range of iems, though I haven't heard any of those so I carried no expectation of "brand sound" at all into this review. So let's start off with outward appearances. The box is pretty standard: Nice picture,..." --Armaegis


text:
What is it?
Free accounting, invoicing and payroll software for small businesses.
Does Fit Small Business Recommend Wave Accounting?
Wave is a great choice for one or two person companies with simple finances and few employees. For larger companies we recommend either QuickBooks or Xero. Click here for a 30% discount on Xero.
Are your personal and business checking accounts separated? Special Business Checking Offer From Bank Of America
How popular is it?
Wave has over 2.5 million free and paid users around the world.
What does it do well?
Wave gives small businesses a free and simple platform to manage their books and send invoices.
What does it not do well?
The accounting features are pretty basic with very little automation (i.e. auto-categorization and recurring invoices). There's also only one payment processing option (Stripe) and few other integrations.
Who does it work well for?
Self-employed and startups who want to handle accounting themselves but don't need an advanced system like Quickbooks or Xero.
Xero is currently running 30% off special making it much cheaper than QuickBooks.
Who does it not work well for?
Businesses who want advanced features like automation, customizable reports and integrations with CRM, POS or eCommerce software.
Cash or accrual based accounting?
Does it save Audit Traits (log of user activity)?
Free Trial?
Cost Compared to Competitors?
Similar products?
Cloud or Hosted?
US Based?
No, Wave is based in Canada.
Wave Apps Pricing
You can use a full featured version of Wave completely free. You only have to pay if you want premium customer support or payroll. Wave Apps pricing is broken down below.
- Payroll costs $15/month plus $4 per employee. After 10 employees, however, it's only $1 per person.
- The Plus Package ($9/month) gives you access to live chat support 9AM – 5PM EST Monday to Friday.
- The Advanced Package ($19/month) adds phone support during business hours. You can also get 3 months of phone and live chat support for a one time fee of $49.
Ease of use
- Setup – Moderate. The first time you log in Wave drops you right onto the homepage, so there isn't much of a set up process. You can, however, sign up for a weekly webinar to learn the ropes.
- User Interface – Moderate. Although Wave is one of the simpler accounting programs, it's not always the easiest to use. For example, if you have any incorrect fields when submitting a form like a invoice or bill, Wave will reject the form without explaining which field was wrong. Minor issues like that made it a little frustrating to use.
Linking bank accounts, however, is easy. You just need to enter your account ID and password (when supported).
- Support – Easy. Free users can take advantage of email support and browse or ask questions in the user forum. According to user reviews, email support questions can take a few days to a week for a response. Users spoke highly of the phone support available for paid users (starting at
You can also search Wave University, which is is a collection of guides to get you started, or search FAQs and the user forum.
Features it has
Features it Does Not have
5 Types of Accounts
Categorization/Automation Rules
Auto-import Bank Statements
Time Tracking
*Payment Processing
Inventory Management
*Payment Processing available via Stripe integration
**Payroll software available as an optional add-on
Integrations it has
Integrations it does not have
Payment Processing (Stripe, Paypal)
Cloud Storage (Google Drive, DropBox)
Project Management (Basecamp, Asana)
Shoeboxed (receipt scanning)
Time Tracking (Toggl, Harvest)
CRM (Zoho, Salesforce)
eCommerce (Shopify, Big Commerce)
Tax Prep Software
Digital Signature
Detailed Overview:
Wave supports the five main types (assets, liabilities, income, expenses and equity). You can create and edit these under the "Accounting" page. There's some default accounts you cannot remove from the system, however, such as "Accounts Payable," "Sales Receivable" or "Owner's Equity."
From the same menu you can add journal transactions for any of your accounts. You can also quick-add income and expenses from a separate menu called "Transactions." Overall, Wave has all the basic accounting functionality most small and micro businesses are likely to need. There's just some advanced features you won't find, like the ability to to reverse or set up recurring journal entries, or save them as a draft.
Bank Reconciliation:
You can connect accounts from over 10,000 financial institutions, including Bank of America, Citibank, JP Morgan/Chase and Wells Fargo. Wave will automatically import these statements each day and add them to your transactions. Bank transactions do not go into a separate list, however, as other accounting software will do. This has its benefits and drawbacks.
The benefit is convenience – you can choose not to enter transactions manually and just have them all imported from your bank statements. The downside is you can't reconcile accounts the traditional way, which is to enter transactions manually, then compare them against your bank statement. Wave will automatically match imported transactions with ones you already entered, but since it relies on keywords in the description it's not very reliable.
Wave has a basic auto-categorization method that also relies on the description to categorize imported transactions. Unfortunately, Wave cannot automatically recognize the vendor/customer name. Also, it does not give you the ability to set custom categorization rules, as you can with Xero or Zoho Books.
You can create invoices and send them to clients directly from Wave. You can also export invoices to a PDF or share a URL for customers to view the invoice. Customers can pay via credit card directly on the invoice. However, unlike the other programs, Wave only offers payment processing via an integration with Stripe. Each transaction has a charge of 2.9% + 30 cents, which is on the higher end when compared to other processors like our recommended provider, Payline Data.
Invoicing is simple with Wave, yet it has a surprising number of advanced features. You can send estimates, which work the same as invoices without the payment option. You can set up recurring invoices, to repeat after a preset number of days, weeks or months. Bills can also be saved, and look identical to invoices. You can apply taxes to both bills and invoices by adding tax rates separately to each item.
Payment Processing
Payment processing for invoices can be done externally via Stripe. You'll need to set up an account with Stripe, although this can be done fairly quickly and for free. The standard rate, however is 2.9% per transactions, plus 30 cents. Read more about Stripe here.
Wave is missing a contact book of customers. When you send invoices, you can save the contact details of a client to automatically pull up later, but there's no way to view customers on a list.
Wave is mostly focused on the US and Canada, although it does have some international transactions. You can link foreign currency bank accounts and log transactions or receive payments. Your reports, however, will display the converted USD value, which may not always be accurate when forecasting.
Wave has minimal 3rd party integrations. You can link with Stripe for payment processing. An integration with Etsy lets you automatically import transactions. There's also an integration with receipt scanning service Shoebox, but that's it.
Unlike most accounting programs, Wave does not currently have an API, so there's no way to link Wave with other software, like CRM or project management.
Reports in Wave are fairly basic, but likely to suit the needs of a small business. You can generate 11 standard reports (pictured below). You can set a time frame and choose data sources (where relevant) for all the reports. You can view reports from your browser or export them to a PDF, Excel document or CSV. You cannot build reports from scratch, however.
Mobile App
There's two mobile apps: Receipts by Wave available for Android and iOS and Invoices by Wave, which is available for iOS only. As the name implies, Receipts by Wave lets you enter receipts into your system by taking a photo. You can edit and confirm the purchase details before saving them. Besides that, there's no additional features.
Invoices by Wave has a bit more functionality: You can create and send invoices, process payments on the spot and view a summary of your receivables.
Read more about Receipts by Wave for Android or iOS. Also, read more about Invoices by Wave for iOS.
Other Features
Wave has payrolling available as an add-on feature. The price is $15/month plus $4 per employee (after 10 employees, however, it's only $1 per person). You can set up direct deposits and easily print/send W2s and employee income tax forms. Government taxes, however, have to completed manually.
Read more about Wave Payrolling here.
Customer Service
24 hours?
No, support is available from 9AM to 5PM EST Monday to Friday.
US Based or Not?
No, Canada
Phone, Email, Live Chat?
Free users can take advantage of email support and browse or ask questions in the user forum. Live chat is available with the Plus Package ($9/month) and phone support is available with the Advanced Package ($19/month). I don't find any complaints from users about their customer support.
Wave University is a collection of guides to get you started. It covers the basics, like categorizing transactions and receipt scanning. You can also search FAQs and a user fourm.
If you find yourself completely lost with an accounting issue, Wave has a large community of professionals who are experienced with Wave accounting software. You can search for nearby members directly from the main interface. (pictured below) In major cities you'll find many certified professionals to choose from. In small towns, however, it'll be a bit harder to find help
The Bottom Line
The biggest advantage of Wave is that it's completely free to use. While the software is likely to suite the needs of most solo entrepreneurs and micro businesses, it's not quite as easy to use as other lower-end programs like Zoho Books. For example, when I was trying to send an invoice and filled out a field incorrectly, Wave rejected the form without explaining which field was wrong. I had to guess and check before eventually getting it right. Small issues like this are manageable, but make Wave a little frustrating to use. Also, another drawback is the lack of 3rd party integrations. Wave is not a good solution for businesses who want to integrate their CRM, POS or eCommerce software.
If you just need the basics, however, you can't beat Wave's price tag (or lack thereof). Also, the professional community is a major plus for businesses who need occasional help with their bookkeeping. Using Wave's "Pro Network" you can be assured you'll find an accountant who is familiar with Wave software.


text:
Free Summer Concert Series Returns for 2016
The Legacy Gardens are a wonderful venue for live music. Guests can relax and enjoy the musicians as they perform outdoors on the Pohlig Family Stage. Refreshments and popcorn available for purchase, just bring your friends and a lawn chair. Must be 21 or older to attend.
2016 Summer Music Schedule
Friday, July 8 from 7:00-9:30pm
Mick Sterling and the Superfriends of Soul
Playing R&B, Americana, Folk and Country with incredible singers and musicians.
"Professional quality." Lowell Pickett, Dakota Jazz Club
Friday, July 29 from 7:00-9:30pm
The Jimmys
From Madison, WI, this blues, R&B and roots band are WI Blues Award winners year after year. They are infectious.
Friday, August 5 from 5:30-9:30pm Museum Fundraiser
$25 cost – Includes museum admission, great live music, a gift and a fish fry meal.
Reverend Raven & the Chain Smokin' Altar Boys – Traditional blues band from Milwaukee with a huge local following.
Friday, August 26 from 7:00-10:00pm
Pistol Whippin' Party Penguins
A crowd pleasing favorite! Playing folk, rock, blues and bluegrass.
Check for updates and additional concerts!


text:
drown the sea with your lies
swallow the land with your mistakes
as do i, seen the unfortaken
hang the world with your heart
chew the stars with your terror
cry out in pain, the undescrible
step on the leaves with your shock
write on the lake with your bravery
as do i, seen the unfortaken.
© Copyright 2017 sweet agony xo. All rights reserved.
Status: Finished
Genre: Poetry
Book / Young Adult
Short Story / Humor
Short Story / Other
Paste the link to picture in the entry below:
Paste the link to Youtube video in the following entry:
Cannot annotate a non-flat selection. Make sure your selection starts and ends within the same node.
An annotation cannot contain another annotation.
There was an error uploading your file.


text:
Voting starts in March for the Drupal Association Board election.
Professional Info
Personal Info
Now, this is a story... all about how
My life got flipped - turned upside down
And I'd you like to take a minute
Listen to this call
I'll tell you how I became a developer of a framework called Drupal
In west Gainesville Florida... 2001
Using Dreamweaver to create the code that I spun
Chillin' out maxin' relaxin' all cool
Layouts with tables... acting like a fool
Later that decade ... time's moving on
Learnin' CSS, ASP and I hated Joomla!
When I came upon a project that was way too large
I thought to myself, ...need a better CMS for this charge!
I searched high and low and when I came to,
Google said 'Drupal' and it had logo that was blue!
I went to the website to check out the fare
Then I realized it was open source - these guys like to share!
I learned CCK, and then it was Views
I created my theme, and then learned Rules.
I looked at my website
I was finally there
Grabbed myself a beer, cause Drupal answered my prayer!
- Member for
- 10 years 1 day
- Documentation
- Over 10 edits
I do a bunch of community stuff including cofounding the Gainesville FL Drupal Users Group and helping to organize Florida Drupalcamp. I also donate beer to maintainers at Drupalcons.
Credited on 3 issues fixed in the past 1 year
mherchel helps support and grow the Drupal community with the Drupal Association.
4 people list mherchel as a mentor


text:
We are proposing a large and complex program to discover gene funcfion in Mycobacterium tuberculosis. Core A is dedicated to managing this complexity to ensure that we are able to achieve our goals and to disseminate our findings and the reagents we produce. To accomplish this we will need to manage our internal resources, particularly to provide appropriate access to the technical resources available in the Cores, and permit proper oversight by the NIH. We plan to fulfill these goals in two ways. First, we will facilitate management of the program. Access to resources will be agreed upon by a management committee consisfing of representatives of the projects and cores. We will be aided by the use of a web-based management software suite, customized together with Core E, that will allow us to track the progress with individual genes and to make efficient use of Core technologies. Second, we will provide platforms to exchange ideas and experiences among the investigators and sponsors. We will have regular meetings of the investigators, both physical and virtual, to exchange information. Moreover, program leaders will meet annually with program officers at the NIH. All management will be overseen by the Core Leader with help from an experienced program manager.
|Kery, Mary Beth; Feldman, Monica; Livny, Jonathan et al. (2014) TargetRNA2: identifying targets of small regulatory RNAs in bacteria. Nucleic Acids Res 42:W124-9
|DeJesus, Michael A; Ioerger, Thomas R (2013) A Hidden Markov Model for identifying essential and growth-defect regions in bacterial genomes from transposon insertion sequencing data. BMC Bioinformatics 14:303


text:
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You have selected Makita Abrasives & Grinding Accessories. Browse through the range of products, or refine your selection further using the links below.
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text:
Planting the seeds of history
COSTA MESA They are replanting history. Biologists, engineers and others have transformed a corner of Fairview Park into an ecosystem that likely thrived there 3 million years ago.
Today, cattails peek out of the ground, shaded by blossoming willow trees and brushes native to this part of Southern California. One of the county's 12 pairs of northern harriers, a rare hawk, nested there last year.
The Fairview Park Wetlands and Riparian Habitat Project officially opens Wednesday, but birds and humans are already there. Cyclists, runners and bird-watchers have been sneaking onto trails that snake around the interrelated habitat areas. At a cost of $5.2 million, the 37-acre project not only brings back wildlife to an area once overgrown by weeds, but it will also naturally clean urban runoff from a channel by the Santa Ana River.
It "provides a place for our kids, and our grandkids, to see what it was meant to be like naturally," said Costa Mesa Public Services Director Ernesto Munoz, who oversaw the complex engineering task.
Getting the water to flow through the plants has been vital. Runoff will be pumped from the Greenville-Banning Channel to the first of six ponds, where it will begin a natural filtration process. Gravity will draw the runoff though streams and the other ponds, while along the way soil and plants will clean common chemicals such as nitrates from fertilizers and metals from motor oil.
Engineers have spent the past month fine-tuning the pump, city project manager Baltazar Mejia said. Without this process, the expected 40 million gallons of annual runoff could end up in the ocean or would have to be cleaned at a Huntington Beach treatment plant.
The project started about five years ago when the Army Corps of Engineers ripped out non-native plants such as Arundo and planted 17 acres of riparian species. The Corps, with funding from the county and the city, was making up for a nearby construction project that destroyed similar habitat.
Next, an amalgam of agencies and nonprofits pooled resources to plant the wetlands and build the ponds and trails. That second phase is complete, and dignitaries will cut the park's ribbon Wednesday afternoon.
In the third phase, the city plans to build an interpretive center, signage and a roughly $1 million boardwalk, which the City Council approved in December.
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text:
|Home > Talen
♂ Talen
What does Talen mean?
Talen [tal-en] as a boys' name is of English origin. Talen is a version of Talon (English).
Talen▼ has 5 variants: Talin, Tallan, Tallen, Tallin and Tallon.Creative forms:
(male) Talens, Tanen, ..
(female) Talan, Talta, .. Middle name pairings:
Talen Axl (T.A.), ..
How popular is Talen?
Talen is an unusual given name for males but a somewhat prominent last name for all people (#130443 out of 150436, Top 87%). (2000 U.S. Demographics)
Talen was first listed in 2005 and reached its highest position of #903 in the U.S. in the year 2006, but is not in the list at the moment. (Top Baby Names, 2015)
Which version is better?with its source form and related boy names. Talon (#612 in 2015) and Tallon are the popular alternative forms of Talen. These relations of Talen were favored as baby names 9 years ago (median #1109) and are somewhat less conventional today, with the form Talen falling out of fashion. Talon is the most chic name for newborns in this list.
Similar Names
Talen▼ is alike in pronunciation to Taylan and Taylon. Other suggested similar names are Alen, Arlen▼, Caden, Caelen, Dagen, Dalen, Dalten, Damen, Daren▼, Daven, Daylen, Eaden, Falken, Galen▼, Galten, Garen, Garlen, Gaven▼, Gaylen, Glen▼, Haden▼, Hagen, Halden, Halen, Hallen, Harlen, Haven, Hazen, Jacen, Jalen▼, Jaren▼, Jasen▼, Jaxen▲, Kaden, Kagen, Kalen, Laken, Malden, Mallen, Maslen, Naren, Nolen, Olen▼, Paden, Raven, Raylen, Taber, Tadeo, Tal, Talbet, Taleeb, Talib, Talmon, Talor, Talys, Tamsen, Tannen, Taren, Tareq, Taron, Tarren, Tarun, Taveon, Tavey, Tavon, Teven, Toren, Tyler▼, Tynen, Valen, Vallen, Walden and Waylen. These names tend to be more frequently used than Talen.


text:
Proud To Be in Troop #123! - (Information)
Join the Fun! (Buy a Ticket)
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Boy Scouts of America: Forms
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text:
08-07-2012 #781
jermore: what are you referring to? I haven't heard anything about that, and I'm pretty sure Disgaea 4 US wasn't listed in the new 3.60 game fixes thread...
clouduzz: Does that patch anything else in game? Does it add any DLC characters or fix the "no infinite item god kills" thing?
08-07-2012 #782
Yes, it's true. The US version works on 3.55 now. But this translation project was a lot of fun.
08-07-2012 #783
08-13-2012 #784
i read that very few dlcs do work with the us version, such a shame, nice job tho, i wanna thank you all for the work put into this project.
08-13-2012 #785
Just three DLC so far.
But it seems that the japanese flag files work for unlocking it, so someone with the japanese dlc is needed to decode them I think.
08-14-2012 #786
Yeah, it was good while it lasted, really good.
08-21-2012 #787
hi... i have BLJS10095, installed the patch and fix .. what step am i missing to make the game 100% english ?
08-21-2012 #788
08-23-2012 #789
Hey all! It's been a while since I last passed by here. I finally decided to get my ps3 out of it's dusty container and thought I would pass by here and check what I can play.
I read on this thread that the US version of Disgaea 4 is playable now, yet searching hasn't given me any results yet, care to link me? I was using this translation patch since you guys first started developing it! But sadly that ps3 burned out, so I got a new slim.
Nevermind -.- I found the fix yet I realized that my US copy is in Greece at my parents house. Guess I will just stick to the JAP version.
08-26-2012 #790
What are the 3 DLC's that work in the BLUS.version?
Can someone guide me on where to find those?


text:
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This review is from: ASUS M5A97 R2.0 AM3+ AMD 970 + SB 950 SATA 6Gb/s USB 3.0 ATX AMD Motherboard with UEFI BIOS
Pros: I am happy with the quality of this unit, ASUS always has my vote for reliability and the best warranty in the market.
Cons: noneREAD FULL REVIEW
This review is from: HyperX 16GB (2 x 8GB) 240-Pin DDR3 SDRAM DDR3 1600 Desktop Memory Model KHX1600C10D3B1K2/16G
Pros: I only buyKkingston memory for the reliability and stability, its not worth headaches to cheap out on memory such an important part of the system
Cons: none not even priceREAD FULL REVIEW
This review is from: AMD FX-8320 Vishera 8-Core 3.5 GHz (4.0 GHz Turbo) Socket AM3+ 125W FD8320FRHKBOX Desktop Processor
Pros: Allot og GHz for the money
Cons: I purchased this CPU with an ASUS motherboard and reliable kingston ram on 2/2013 and from day one I had issues installing windows, issues formatting hard drives, and after 20+ attempts and different hard drives I got windows installed but then it was unstable and got blue screens and freezes, and mass data corruption on all hard drives in the computer. I had since then had the motherboard RMA from ASus and the Ram RMA from Kingston as they are usually the most likely causes of these issues.
After new Mobo and Ram, i still have problems instaling windows and system instability and due to the intermittent non total failure of the CPU I have been chasing this issue for two years. 5 hard drives later, new ram, new mobo, 10 sata cables later it finally seems that the issue is the memory controller within the CPU causing my instability and data corruption.
I cannot explain the massive trauma and heart ache this issue has caused me and might lead to me spending the extra 200$ it would cost to build intel systems. I asked AMD to upgrade me to an 8350 for my massive list and time of issues with this unit and they wont do that for me even though I wasted the last two years messing with this bad CPU. I am very very unhappy with this problem, CPUs should never go or be bad, poor worksmanship I guess by AMD.
Other Thoughts: I may not buy AMD again because of this. I do not like that memory controllers are in the CPUS, they are always bulletproof otherwise.READ FULL REVIEW


text:
Alumnae Library
Debra Gomes
Associate Director & Head of Library Technology
A Guide for Survival in the Information Jungle
Features | Available Databases | Organizations
Access World News
The Advocate covers news for the North Adams, MA area
Amherst Bulletin covers news for the Amerst, MA area
The Berkshire Eagle covers news for the Pittsfield, MA area
Daily Hampshire Gazette covers news for the North Hampton, MA area
North Adams Transcript covers news for the North Adams, MA area
The Recorder covers news for the Greenfield, MA area
The Republican (Springfield, MA) icovers news for the Springfield, Chicopee, and Holyoke areas. Coverage: 1988 to present.
Springfield Advocate covers news for the Springfield, MA area
Springfield Examiner covers news for the Springfield, MA area
Valley Advocate covers news for the Easthampton, MA area
Massachusetts Library System
The Massachusetts Board of Library Commissioners
The Springfield City Library
The Alumnae Library
We are a private Catholic coeducational liberal arts college founded in 1928 by the Sisters of St. Joseph of Springfield, Massachusetts. Elms College is located in Chicopee, Massachusetts, and grants associate's, bachelor's, master's, and doctoral degrees.


text: We are one of the interactive studios located on the planet Earth. We develop games and interactive services. Why are we doing it? It's fun, it's cool, it's what we know how to do better then anyone else. That's why we are the best game producers and award winning team. We are uniq just like a fairy tale personages, we call ourselves


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SYBA Oblanc U.F.O. Circumaural Amazing Powered Subwoofer 2.1 Audio Headphones, Full-range State-of-the-art Listening Experience
" A great headphone for around $50.00. I mainly use them for gaming and voice chat and padding on the earpiece is comfortable enough to wear for a few hours. But during warmer environment, it felt the padding wasn't breathable. " --evalime
On Earz Pure
Pure Powerfull 40mm Dynamic driver with huge bass. Adjustable headband to ensure perfect fit. 1.2 meter cord with 3.5mm jack and 6.3mm adapter provided.
Syba Connectland CL-AUD63008 Stereo Headset with Built-in Microphone
Stereo headset with microphone. Speaker: 40 mm. Microphone unit: 6x5 mm. Sensitivity: 105db ± 3db. Impedance: 32 Ω. Frequency response: 20 Hz – 20000 Hz. Plug types: 3.5 mm stereo
Syba Connectland CL-AUD63007 Rubbery Soft Single Ear Earphone with Microphone
Earphone headset with microphone. Ear muff: 15 mm. Microphone: 6x5 mm. Sensitivity: 105 db ± 3 db. Impedance: 32 Ω. Frequency response: 20 Hz – 20000 Hz. Plug types: 3.5 mm stereo
Connectland CL-CM-502 Fashion Designed Stereo Headphone with Built-in Microphone
Stereo Headphone with Built-in Microphone. This headset with its fashion design has been created to be used with multimedia, gaming, Internet and IP Phone applications. Its comfortable headset allows long duration of use. Connect the 3.5 mm stereo plugs of the headset to Line Out and microphone plugs of your audio peripheral.


text:
HON 10700 Series Adjustable 5-Shelf Laminate BookcaseLaminate Bookcases
32.38" Width x 13.13" Depth x 71" Height - 5 Shelves - Laminate - Henna Cherry - View Complete Details
Product Number: HON107569JJ
In Stock - Hurry, only 12 left.
Estimated Delivery - 4 business day(s) - Fri 3/3 5 business days - Fri 3/3
Please Note: Oversized item. Additional charges may apply. See details.
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Product Details
Made in America
This product was manufactured in the United States.
HON Lifetime Warranty
HON Lifetime Warranty offers assurance that the item purchased will be free from workmanship defects or defective material for the life of the product. Should a failure occur under normal use as the result of defective material or workmanship, the manufacturer will repair or replace the product. Some exclusions apply. Contact the manufacturer for full warranty details.
HON 10700 Series Adjustable 5-Shelf Laminate Bookcase - Five-shelf bookcase takes organization beyond the confines of a drawer and offers three adjustable drawers and two fixed drawers for spacious storage. Shelves adjust in 2-1/2" increments. Fully finished back allows the five-shelf bookcase to be freestanding and stand alone anywhere to join other components of the HON 10700 Series that offers an upscale contemporary design, elegant lines, stylish accent details, durable laminate surfaces and quality construction. Premium, multilayer, high-pressure, Henna Cherry laminate surface resists water, scratches and most solvents. Hardwood accent trim is produced using a multi-step finishing process and adds an elegant touch that is appropriate for upper-management offices. Robust construction withstands frequent moving and handling and ensures a longer life cycle.
- Rich woodgrain color with attractive hardwood accents creates distinctive executive work spaces.
- Provides a coordinated look for all the storage components in the office.
- Features 3 adjustable shelves and 1 fixed shelf.
- Space-saving footprint, specially sized for books and binders.
- Backed by the HON Full Lifetime Warranty.
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text:
Amazon nabs the top spot for online cosmetics sales
One of every five beauty purchases online is made via the Amazon marketplace, according to a new report.
Amazon nabs the top spot for online cosmetics sales
One of every five beauty purchases online is made via the Amazon marketplace, according to a new report.
Wal-Mart gives Jet shoppers a taste of its house brands
Sam's Choice and Great Value are among the Wal-Mart brands now available on Jet.com.
Sign up for IRNewsLink and get daily reports delivery to your inbox. Sign Up Now
Sponsored by 2013 Social Media 300
A Google Analytics upgrade lets marketers see all the steps consumers take toward purchase.
Google Inc. today broadened the capabilities of its Google Analytics reporting tool to detail the full digital path a shopper takes before completing a purchase. This means marketers can now see all the ad forms and referral sites that preceded a sale. Until now, Google Analytics had provided only last-click data, which meant reports gave credit to the last ad clicked prior to a purchase.
Retailers using Google Analytics can now see how consumers' interactions with organic search, display ads, affiliates sites, social networks, e-mail, direct traffic, mobile and video intersect on the way to a sale. For example, say a consumer sees—but doesn't click on—a display ad for Sears on Monday. Then she enters a search for Sears in a search engine on Tuesday and clicks on a paid ad to visit the site, but doesn't make a purchase. On Thursday, she clicks to respond to a Sears e-mail and then makes a purchase. Under the previous reporting model, the e-mail would get credit for the conversion. Under the new reporting function, called Multi-Channel Funnels, the display ad and paid search ad also get credit for assisting the sale.
"This gives marketers new opportunities to see channels that previously didn't look like they were delivering a lot of conversions in a new light," says Bill Kee, product manager for Google Analytics.
Marketers should pay more attention to multi-touch attribution models, according to recent research. A Forrester Research Inc. analysis of 15 e-retailers during the last holiday season showed that nearly half of e-retail sales came after consumers interacted with two or more marketing touch points.
Patrick Berresheim, director of e-commerce and customer relationship management for men's apparel e-retailer Hugo Boss, says the Multi-Channel Funnel reporting tools have helped guide his marketing strategy. Hugo Boss has been testing the reporting tools for several months. "Knowing more about how our customers find us is very important, and this data helps us make better decisions," he says.
The Multi-Channel Funnels reporting tools are free and available to all Google Analytics users. Reports track the pathways to purchase for the last two months. Google intends to soon add historical data back to January.
Google Analytics is the second most popular web analytics program used by Internet Retailer Top 500-ranked e-retailers. 161 e-retailers report using it. Other leading web analytics providers to Top 500 e-retailers, such as Adobe Omniture and IBM Coremetrics also offer attribution management across touch points.
Every piece of data you collect can help you serve your audience exactly what they ...
Posted 02/24/17
Smaller companies have more constraints, but once they set priorities can still benefit greatly from ...
Posted 02/24/17
The Supreme Court is surely going to find this question right back on their doorstep next year."


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The Malik Report
Surgery and six months of rehab is what Tyler Bertuzzi gave Nick Jensen—for a tussle's sake
by George Malik on 09/14/13 at 03:57 PM ET
Comments (10)
Normally I would just add this to the in-progress "news of the training camp day" post, but I want it to stand alone, and I want it to stand alone for a reason.
Tyler Bertuzzi broke the cardinal and only rule of the summer development camps in fighting Nick Jensen on the first day thereof this past July. Nick Jensen was basically forced to oblige him, and in doing so, Jensen tweaked his shoulder.
Jensen, who was the WCHA's defenseman of the year, and is one of the Wings' brighter prospects on an incredibly deep defensive pipeline because he can carry the hell out of the puck as a superb, superb skater, has been attending training camp, but he's doing so with a combination cooling pack and muscle stimulator on his shoulder. According to the Macomb Daily's Chuck Pleiness, Tyler Bertuzzi's indiscretion was VERY costly--for Jensen:
Defenseman Nick Jensen is expected to return from shoulder surgery sometime around December or January.
So he has in fact had surgery and he's going to miss six or seven months because an 18-year-old who'd just been drafted decided to make a name for himself at a skill development camp.
That ain't right.
Filed in: | The Malik Report | Permalink
Ty should be Jensen's valet/concierge/errands boy for the duration of his recovery and rehab.
Posted by SYF from Twerkin' with Anastasia Ashley on 09/14/13 at 03:59 PM ET
Posted by Zqto on 09/14/13 at 05:04 PM ET
Situation sucks, and I'm sure Lil Bert was the aggressor, but it takes two to tango. I'm sure Jensen's pride is at least a little to blame for his current injury woes.
Posted by Hootinani from the parade following Babs out of town on 09/14/13 at 05:14 PM ET
Wings should use this as an example to everyone else. This should not be tolerated.
Posted by Crater from SoCal on 09/14/13 at 09:59 PM ET
he has quite a name to live up to… you gotta start ending careers somewhere!
Posted by perfection from LaLaLand on 09/14/13 at 10:38 PM ET
I don't want Bertuzzi to fail or to be hurt or something…I actually want him to keep learning and growing, but I want the Wings to make sure there's a line from now on. An explicit one.
Posted by George Malik from South Lyon, MI on 09/14/13 at 10:46 PM ET
If this incident (and a few choice words from his uncle) help Tyler focus on hockey instead of being a "bad ass" each and every shift, then maybe this will all be worthwhile – to everyone except Nick Jensen, of course.
The days of the "prick" who makes a living in hockey hurting people should have died out a couple of years ago. There's np place for it, or for people like Tyler if he can't change his ways.
Posted by OlderThanChelios from Grand Rapids, MI on 09/14/13 at 11:04 PM ET
Good thing the used that second round pick by going off the board and choosing a psychopath…
Posted by Garth on 09/14/13 at 11:35 PM ET
Hey Malik and other chirpers! Watch the 50 sec video on youtube . Its clear Jensen goes after Bertuzzi the first time as bertuzzi tries to skate away. The second time in the video when the fight happens, Jensen starts throwing punches. should Tyler have turtled? I would have loved to have seen all the idiots chirp him even more if he had done that!
Posted by hockeyobserver on 09/19/13 at 09:33 PM ET
Why Malik, in your blog posts the day of the fight, did you seem excited about what happened and complaining that you missed the scrimmage and the fight. You were not critical of it whatsoever. Now that there is an injury, you condemn Bertuzzi? Can't have it both ways! By the way I am a big fan of your work, but not your take on this.
Posted by hockeyobserver on 09/19/13 at 10:03 PM ET
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Invasive Forest Pests:
Lessons Learned from Three Recent Infestations May Aid in Managing Future Efforts
GAO-06-353: Published: Apr 21, 2006. Publicly Released: May 22, 2006.
Additional Materials:
- Highlights Page:
- Full Report:
- Accessible Text:
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Invasive forest pests have seriously harmed our environment and imposed significant costs upon our economy. The U.S. Department of Agriculture (USDA) is the lead agency for responding to forest pests. This report evaluates the federal response to three invasive forest pests--the Asian longhorned beetle, the emerald ash borer, and the pathogen Phytophthora ramorum (P. ramorum). Specifically, GAO describes (1) the status of efforts to eradicate these species, (2) the factors affecting the success of those efforts, (3) overall forest health monitoring programs, (4) coordination and communication of the three pest response efforts, and (5) USDA's use of panels of scientific experts to aid in the response efforts.
On the basis of the available evidence, it appears that the Asian longhorned beetle will be eradicated in the three states that have infestations, although funding reductions have extended the likely completion date. In contrast, the emerald ash borer and P. ramorum--the pathogen that causes Sudden Oak Death--are likely to continue to infest and damage forest ecosystems in the Midwest and West Coast, respectively, despite efforts to control them. The success of the federal responses to these infestations has been affected by several factors. First, the unique biological characteristics of each species greatly influenced the ability to effectively control them. Second, several years elapsed between each pest's arrival and its discovery, thereby giving it time to become established in the environment before control programs began. This situation cannot be fixed retroactively, but it could be avoided in the future with better monitoring. Third, quarantines have helped contain the spread of the pests, but implementation and enforcement have been difficult. Fourth, the only available method for eradicating these pests is to destroy the infested trees and plants--a costly and sometimes impractical approach. Lastly, despite budgeting over $420 million on these pests, USDA program managers told GAO that funding has not been sufficient to fully implement their programs. USDA conducts a range of forest health monitoring programs, including a pilot project in some urban areas; however, these programs do not provide for comprehensive monitoring in urban forests or other locations considered at high risk from pest invasions. Monitoring in such areas is important because they are common destination points for internationally traded cargo that is a frequent pathway for pests. Federal and nonfederal stakeholders involved in these efforts told GAO that appropriate mechanisms to coordinate response efforts are generally in place, although many noted that better coordination among agriculture and natural resource agencies would have helped produce a more effective initial response. In addition, USDA's P. ramorum control plan does not fully comply with a congressional requirement that it communicate future funding needs. Furthermore, USDA has not updated plans for the Asian longhorned beetle or emerald ash borer to communicate to decision makers or the public how it will modify its response efforts in light of fiscal years 2005 and 2006 funding reductions, and how those reductions have affected the long-term prospects for managing the pests. Panels of scientific experts have assisted USDA with each of the three pest responses, although GAO and stakeholders have some concerns about how they were formed or operated. For example, some stakeholders believed that the agency should have convened the panels more frequently and made the panel process more open to interested parties. GAO found that USDA does not have written procedures for forming and using science panels.
Recommendations for Executive Action
Status: Closed - Implemented
Comments: In October 2006, USDA wrote to GAO that the Forest Service would, based upon the GAO report, expand the pilot program on Early Detection and Rapid Response (EDRR) to a national level effort. USDA stated that the pilot program has monitored for bark beetles in areas processing wood materials in about 80 locations across the country. By expanding to a national effort, USDA said that it would increase the number of monitoring sites three-fold. Many of these sites would occur in urban areas which would directly respond to the GAO recommendation of increasing monitoring efforts in urban environments. The national program would evaluate one-third of all the States each year, and each State would thus be on a 3-year cycle for monitoring in this program. In 2007, the Forest Service began national implementation of the EDRR project. Based on funding levels of about $700,000, the Forest Service has been conducting trapping in about 17 states each year. Traps are placed at high-risk locations in urban forests, such as city parks, near warehouses or other sites which may receive solid wood packing materials. Funding is provided to its Regions, which then fund states to conduct the trapping. From 2007 through 2009, the Forest Service has trapped in 45 state. According to USDA, following the 2009 season, the agency will reassess if it will continue to rotate through states on a 3-year cycle or concentrate its efforts in high-risk states. The recommendation also called for USDA to incorporate into its program the guidance on early detection issued by the National Invasive Species Council in 2003. According to USDA, there are many elements in the guidelines that were part of pilot project protocol and that were incorporated into the EDRR project as it began national implementation.
Recommendation: To improve federal efforts to detect, manage, and eradicate infestations of invasive forest pests, the Secretary of Agriculture should expand current efforts to monitor forest health conditions, particularly in urban and suburban areas that are at high risk of receiving invasive insects and diseases. USDA's monitoring program should incorporate guidance on early detection issued by the National Invasive Species Council in 2003.
Agency Affected: Department of Agriculture
Status: Closed - Implemented
Comments: USDA's Animal and Plant Inspection Service (APHIS) responded that keeping management plans updated is a sound business practice which they support. According to APHIS, they have developed and posted to their website operational plans for the Asian long-horned beetle, the emerald ash borer, and P. ramorum. Business plans were completed for all three of these forest pests during 2009. These plans are reviewed and updated with the participation of stakeholders, scientific committees, and cooperators, as needed, but at least annually, according to AHPIS. Furthermore, for all three pests, APHIS provides information on current funding and resource needs for upcoming budget years through the annual budget development process.
Recommendation: To improve federal efforts to detect, manage, and eradicate infestations of invasive forest pests, the Secretary of Agriculture should prepare, publish, and regularly update management plans for pests for which the department has initiated a management program. The plans and their updates should incorporate and describe changes in the extent of infestation; progress to date in control and eradication efforts; schedules for future control and eradication efforts, given known levels of funding; and future long-term funding needs. For the P. ramorum program in particular, an updated management plan should include the elements called for by law that were not included in USDA's 2005 plan, such as an estimate of the cost of anticipated activities.
Agency Affected: Department of Agriculture
Status: Closed - Implemented
Comments: According to USDA/APHIS, the Plant Protection and Quaranting (PPQ) program objective is to obtain the best scientific information available to help guide the design and implementation of all management and regulatory programs. To accomplish this objective sometimes requires a multi-disciplined scientific committee. In other instances, one or two scientific experts meet the requirements. For some pests, the scientific committees meet once or twice; in other cases, they meet frequently to analyze data and adjust program activities. The increased staffing of the PPQ Center for Plant Health Science and Technology (CPHST) has greatly increased the availability of scientific expertise. CPHST has developed written procedures to define when and how to use scientific and technical experts, the types and roles of groups convened, and the criteria as to when a group should be chartered as an advisory committee under FACA.
Recommendation: To improve federal efforts to detect, manage, and eradicate infestations of invasive forest pests, the Secretary of Agriculture should implement written procedures that broadly define when and how to operate panels of scientific experts for the purpose of assisting pest management teams, including a discussion on how to determine when such panels should be chartered as advisory committees under the Federal Advisory Committee Act.
Agency Affected: Department of Agriculture
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Jan 23, 2017
Endangered Species Act:U.S. Fish and Wildlife Service's American Burying Beetle Conservation EffortsGAO-17-154: Published: Dec 22, 2016. Publicly Released: Jan 23, 2017.
Jan 19, 2017
Military Base Realignments and Closures:DOD Has Improved Environmental Cleanup Reporting but Should Obtain and Share More InformationGAO-17-151: Published: Jan 19, 2017. Publicly Released: Jan 19, 2017.
Jan 17, 2017
Financial Assurances for Reclamation:Federal Regulations and Policies for Selected Mining and Energy Development ActivitiesGAO-17-207R: Published: Dec 16, 2016. Publicly Released: Jan 17, 2017.
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National Park Service:Process Exists for Prioritizing Asset Maintenance Decisions, but Evaluation Could Improve EffortsGAO-17-136: Published: Dec 13, 2016. Publicly Released: Jan 12, 2017.
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Renewable Fuel Standard:Program Unlikely to Meet Production or Greenhouse Gas Reduction TargetsGAO-17-264T: Published: Dec 1, 2016. Publicly Released: Dec 1, 2016.
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Our Board Members
Principality Building Society is run by the senior management team, who are overseen by the board of directors.
As a progressive mutual society, with a long and trusted heritage, Principality has built up a strong Board with a wide range of skills and experience. This knowledge and expertise enables the Board to build on Principality's strong foundations and enhance the Members' dividend.
I was appointed a non-executive director of the Society in August 2013 and was elected Chairman in April 2014. I am also a member of the Remuneration and Nominations Committees.
I have more than 25 years' experience in the banking industry, to help advise and guide the Society through the increasingly demanding and complex regulatory environment in which it now operates. Most recently I have been involved as a Non-Executive Director helping to rescue the troubled Northern Rock PLC in 2007 where I headed the Risk Committee.
I am a qualified solicitor and previously served as Managing Director and Global Head of Legal and Compliance for the investment banking wholesale division of ABN Amro Bank and had a similar role for Citibank.
Born in 1956, I lived in Neath until I was five before moving to Barry where I went to school. I currently live in London with my wife and two children. I am a non-executive director of Novae Group PLC and of Exane Limited. I also enjoy singing and gardening and I am a member of the London Welsh Male Voice Choir.
I joined the Board of Principality as a Non-Executive Director in October 2013 and was subsequently elected to the Society's Board as a Non-Executive Director in April 2014. I now serve as Chairman of the Customer and Conduct Committee of the Board and also serve as a member of the Remuneration, Nominations and the Group Risk Committees. As Chair of the Customer and Conduct Committee I am responsible for making sure that the fair treatment of Members and customers is central to the Society's culture and operations.
I used to work in investment banking, but after ten years I decided on a change of career and joined the Board of Welsh Water, initially as Planning Director. I was one of the founding Directors of Glas Cymru, the not-for-profit company that took over the ownership of Welsh Water in 2001. I believe strongly that mutual business models can do a great deal of good for the people and the communities that they serve.
Born in 1958 I have lived in Wales for more than 20 years and I have two grown up boys both of whom recently graduated from university.
I was appointed to the Society's Board as a Non-Executive Director in July 2012.
I am the Chief Executive of The Housing & Finance Institute, a national not-for-profit organisation which works to deliver more homes and better housing services by working across the public and private sectors. I am a qualified barrister and solicitor, and started my legal career in the government legal service becoming a city law firm partner. I am a national expert in my field of housing and property finance and a regular adviser to the UK Government. I have worked on over £4billion of complex finance transactions across a range of finance, investment and regeneration projects. I was appointed an OBE in the Queen's Birthday Honours 2015 for services to housing.
At Principality, I chair the Board's Group Risk Committee. I also sit on the Audit Committee and Nominations Committee. Prior to joining the Society, I led the structuring team for the Ely Mill project which Principality jointly founded with the Welsh Government and which is on track to deliver 800 new affordable homes in Cardiff.
I am 45, married with two children and my family home is in Kent.
I was appointed to the Board in June 2016 and have been the Society's Customer Director since 2012. In my role as Customer Director I am responsible for marketing, distribution and operations as well as having P&L responsibility for the core Society. My role is designed to ensure that regardless of how members choose to interact with Principality, they receive a consistent and high standard of service as well as offering the great products. I am also responsible for ensuring that our colleagues play an active part in the communities we live and work in demonstrating our mutual value through many community projects.
I originally joined the Society in 2007 to build and develop our award winning e-commerce business. Prior to Principality, I held a number of senior roles in sales, marketing and technology, working in leading customer-centric businesses including Sainsbury's, Reckitt Benckiser and HBOS.
I am the current Chair of The Council of Mortgage Lenders (CML) Cymru, which represents mortgage lenders and promotes sustainable housing finance in Wales. I also sit on the Welsh Government's Expert Panel on Housing for Older People, in a role that offers guidance to help Government ensure people can continue to prosper in their homes into old age.
I was born and educated in Scotland, but Cardiff has been my home since 1999. I'm married to a Welshman and we have two daughters. Outside of work I love watching rugby, am a fan of all types of music and a keen theatre goer.
I was appointed a Director of the Society in April 2014 and have subsequently been appointed to the role of Senior Independent Director. I also serve as Chairman of the Audit Committee and as a member of the Board Group Risk and Nominations Committees. As Senior Independent Director I act as a sounding board for the Chairman, serve as an intermediary for other directors, and am responsible for leading the annual review of the Chairman's performance. I am also available to Members if they have concerns which they have not been able to resolve through the normal channels of the Chairman, Chief Executive or other executive directors or for which such contact is inappropriate.
I hold a degree in mathematics and qualified as a chartered accountant with Price Waterhouse – subsequently Pricewaterhouse Coopers [PwC]. During my time with that firm I worked originally in the audit team and eventually specialised in corporate recovery and insolvency work, becoming a partner in 1988. I retired from the PwC partnership in April 2013 and have been engaged on a part-time basis since as a consultant, working on the Lehman insolvency.
I am proud to have the continuing opportunity to serve as a Non-Executive Director of Principality and to contribute to the Society's ongoing success. I believe the Society holds a unique place in the fabric of Wales through supporting the local communities which it serves.
I am also Treasurer of St John Cymru Wales and a trustee of both the National Botanic Garden of Wales and Artes Mundi.
Born in 1954, I am married with two grown up children and live close to the centre of Cardiff. I am a keen golfer, an enthusiastic rugby supporter and have an interest in theatre and the arts. I keep promising my wife that I will find some more time to travel with her in our classic car, particularly in the UK and near continental Europe.
I was appointed Group Deputy Finance Director in December 2011 and was appointed to the Society's Board in March 2013 as Group Finance Director with responsibility for Finance, IT and Business Change. I chair the Society's Asset and Liability Committee and Model Governance Committee and I am also a member of the Group Management Committee and Group Executive Risk Committee. I also attend all meetings of the Board Audit and Risk Committees. I have particular responsibility for ensuring that the Society retains a strong capital base and has high quality and sufficient levels of liquidity.
I am a qualified accountant and bring over 20 years' experience in finance to my role. Prior to joining the Society I held a number of finance roles across a range of industries including manufacturing, retail and insurance. Prior to joining the Society I performed the role of Finance Director of the Lloyds Banking Group General Insurance business.
I am Chairman of the Wales Advisory Board for Business in the Community (BITC) and I am passionate about our community work and the difference it can make to people's lives in our heartland.
I was born in Swansea in 1972 and continue to live close to that city with my wife and three sons who share my passion for sport with our weekends taken up by both watching and playing football and rugby.
I joined the Society's Board in February 2013 and was subsequently elected to the Board for the first time in April 2014. Having work for the Society since 1997, I was appointed Head of Group Risk in 2005 and promoted to the role of Director of Group Risk in 2009. I have attended full Board meetings since September 2009 and attend all meetings of the Board Audit, Group Risk, Customer and Conduct and Remuneration Committees. I also chair the Group Credit Risk Committee and Group Operational Risk Committee and I am a member of the Group Management Committee, Group Executive Risk Committee and the Asset and Liability Committees.
I have spent over 35 years working in financial services, starting my career at Midland Bank and subsequently at HSBC, undertaking a number of managerial roles in both the retail and corporate banking divisions. I hold a degree in Economics, an MBA from Henley Management College, and I am an Associate Member of the Chartered Institute of Bankers. Together with the Group Finance Director I have particular responsibility for ensuring that the Society maintains a strong capital base which will enable it to continue to grow and compete successfully over the long term.
Born and educated in Denbigh, North Wales, I now live just outside Cardiff and am married with two children. Outside of work I play tennis, and when time permits I very much enjoy hillwalking and climbing in Snowdonia, which also gives me the opportunity to visit friends and family in the Vale of Clwyd.
I was appointed to the Society's Board in February 2015. Since joining the Board I have become Chair of the Remuneration Committee and also serve as a member of the Customer and Conduct and Nominations Committees. As Chair of the Remuneration Committee I am responsible for ensuring that the Group's remuneration and reward strategy, policy and procedures follow best practice, support the strategy approved by the Board, and reflect the best interests of Members.
I have 30 years experience in retail banking and general insurance during which I gained a wide range of experience in leading change initiatives, mainly in customer facing areas including the branch network, telephone centres, internet banking and operations centres which will help me to contribute to the Society's ongoing change programme. During my time with Principality I have already been impressed by the dedication and skills of colleagues at the Principality which is essential to the provision of good quality service to our Members.
I also sit on an advisory panel to the Welsh Government which seeks to stimulate the financial and professional services sector in Wales to create employment and economic growth, and I was formerly a non-executive director at Welsh Athletics.
I and my husband Alun were both born and educated in Cardiff, and lived in the Vale of Glamorgan until ten years ago when work commitments moved us to Wiltshire. We love Welsh rugby, music of many kinds, and I also have a deep interest in strategies to lift people out of poverty in the developing countries of the world, especially Africa.
I was appointed to the Society's Board in March 2015. In addition to my Board responsibilities I also serve as a member of the Audit, Group Risk and Nominations Committees.
I am a Chartered Accountant and during my career I have performed a broad range of roles across the Post Office, BT and as a Board Director at Nationwide Building Society. I believe this experience leaves me well placed to contribute to the Society's ongoing change programme and to have the opportunity to contribute to the Society's continuing success. I passionately believe in the mutual business model and everything that I have seen so far at Principality demonstrates that the customer is truly at the heart of the business.
I am also Chairman of BACS Payment Schemes Limited, Non-Executive Director and Senior Independent Director of Elexon Limited and Non-Executive Director of Sports Resolutions.
Born in 1963 I now live in Bristol. Outside of work and family I have just completed a Masters Degree in Sports History focusing particularly on the positive impact of sport on communities and society. The work that Principality continues to do via sport will create a stronger Wales and a stronger business. It makes me proud to be part of it.
I joined the Society as Chief Operating Officer in July 2006 and was appointed to the main Board in October 2007. As Chief Operating Officer I was responsible for all of the Building Society's operations including distribution, marketing, IT and operations. I became Group Chief Executive in October 2012. I am Chairman of Nemo Personal Finance and Loan Link and Chairman of the Group Management and Group Executive Risk Committee. In addition I am a member of the Asset and Liability and Commercial Asset and Liability Committees and attend meetings of the Board Audit, Group Risk, Customer and Conduct and Remuneration Committees.
During my time in financial services I have worked for Abbey National where I carried out a number of senior roles including Regional Director for Branches, Director of Sales for the Call Centres and CIO for the Retail Bank. I have led a number of significant strategic change programmes including one of the largest CRM implementations in Europe.
In addition to my role at the Principality, I am a member of the Board of Governors at Cardiff Metropolitan University, I am on the Wales Council for the CBI as well as sitting on the Executive Committee for the CML, one of the leading industry trade bodies. I am also a Fellow of the Chartered Institute of Bankers and hold an MBA from Warwick Business School.
I was born in 1957 and now live close to Cardiff in the Vale of Glamorgan with my wife. I have three grown up children.
Principality. Where home matters.


text:
Larisa (ID: 67902)
Date of birth:September 03, 1974
Height:5' 8" (175 cm)
Weight:158 lb (72 kg)
Hair color:blonde
Eyes color:gray
Marital status:divorced
Profession:government employee
Education:University Degree
English language:no knowledge
Others foreign languages:No
Seeks partner:40 - 65 years old
Total photos:13
Bikini photos:0
Hobbies and interests:
I like to know something new and interesting. I like different kinds of music. It`s up to my mood! I like to read and to meet with my friends. I like to visit different interesting places.
About me:
Blond lady likes shopping but it is not the only interest of mine, believe me. I would gladly compete with you in driving, sports, support you in business as a friend and partner but also give in to you as a feminine lady needing your love and care.
Looking For Men Type:
Someone of different points of view, intelligent and positive who could understand and care of me and who will be interesting for me as interlocutor.
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text:
Etta James - self titled record, 1962
The record inside this cover is about as beat-up sounding as the cover looks.
I actually don't mind that horribly grainy sound that comes from this record, Etta's voice still comes through strong, and the needle noise gives it a haunting quality. I don't play it that often because I'd like to save my needle!
"Waiting for Charlie to Come Home" is a particular favourite of mine from this album.
Argo record album # LP 4013
12 inch vinyl record
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Taken on May 5, 2008