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[author: Elizabeth M. Mills]
As previously reported, the Treasury Department released proposed regulations on June 22, 2012 interpreting and implementing specific requirements for hospitals to maintain their Section 501(c)(3) tax-exempt status under Section 501(r) of the Code. Section 501(r) was enacted as part of the 2010 Health Care Reform Act (the "Act").
The proposed regulations provide guidance for the following requirements of Section 501(r): required financial assistance policies, required emergency care policy, amounts that may be charged to patients eligible for financial assistance, and the requirement that hospitals make reasonable efforts to determine whether individuals are eligible for financial assistance before initiating extraordinary collection actions. The other Section 501(r) requirements, that hospitals conduct community health needs assessments, has been addressed by the IRS in separate guidance. The Supreme Court's decision in National Federation of Independent Businesses v. Sebelius upholding the Act in its entirety on June 28, 2012 eliminates any lingering uncertainty on whether the requirements of Section 501(r) will continue to remain in effect, and tax-exempt hospitals should review the proposed regulations and their existing policies and procedures carefully to ensure that they will be in compliance with these new, detailed requirements when effective.
Hospitals should keep in mind that the provisions addressed by the proposed regulations have been the law since 2010. A hospital that does not comply with one of the requirements is theoretically subject to revocation of tax exemption. The regulations are only proposed, not final, but can be relied upon, and hospitals would be well advised to comply with these specific requirements of the proposed regulations.
Required Financial Assistance Policies
Section 501(r)(4) requires a hospital organization to establish a written financial assistance policy. The statute specifies that the financial assistance policy must include: (1) eligibility criteria for financial assistance, and whether such assistance includes free or discounted care; (2) the basis for calculating amounts charged to patients; (3) the method for applying for financial assistance; (4) in the case of an organization that does not have a separate billings and collections policy, the actions the hospital organization may take in the event of nonpayment; and (5) measures to widely publicize the policy within the community served by the hospital organization.
The statute and proposed regulations give tax-exempt hospitals complete flexibility regarding the actual eligibility criteria for financial assistance, requiring only that a hospital's financial assistance policy specify the financial assistance that is available and the criteria that must be satisfied for an individual to qualify for such financial assistance.
The financial assistance policy must also be widely publicized. Under the proposed regulations, the policy must be accessible on the hospital's or another party's website. In addition, copies of the policy must be available by mail or at the hospital, upon request and free of charge. The policy must also be displayed inside the hospital, and the hospital must reach out to the community it serves, targeting those individuals that likely require financial assistance. If more than 10 percent of the residents of the community served by the hospital have a primary language other than English, the policy must be available in that language as well. The hospital must also have a "plain language" summary of the policy with very specific information.
Required Non-Discriminatory Emergency Care Policies
Section 501(r)(4) also requires a hospital organization to establish a written policy relating to emergency medical care. This policy requires the hospital organization to provide, without discrimination, care for emergency medical conditions to individuals regardless of their eligibility under the organization's financial assistance policy. The regulations prohibit tax-exempt hospitals from stationing employees in emergency departments and other hospital areas where collection activities could interfere with treatment. The proposed regulations do clarify that a hospital that does not have any emergency department can still qualify for exemption. It can meet this requirement by adopting a policy that it will not discriminate against patients who are seeking urgent care, or who have unpaid bills because of their need for financial assistance. Hospitals without emergency departments should confirm that such a policy is in place.
Limits on Charges
Under Section 501(c) (5), hospitals must limit the amounts charged for emergency or other medically necessary care provided to individuals eligible for assistance under the organization's financial assistance policy to not more than amounts generally billed ("AGB") to individuals who have insurance covering such care. To determine AGB, the proposed regulations permit a "look-back" method based on actual past claims paid to the hospital by either Medicare fee-for-service only or Medicare fee-for-service together with all private health insurers paying claims to the hospital. A second proposed method is "prospective" in that it requires the hospital facility to estimate the amount it would be paid by Medicare and a Medicare beneficiary for the service if the financial assistance eligible individual were a fee-for-service beneficiary.
The regulations also require a hospital facility to limit the amount charged for any medical care it provides to an individual eligible for financial assistance to less than the gross charges for that care. A gross charge is defined as a hospital facility's full, established price for medical care that the hospital consistently charges all patients before applying any discounts.
To help comply with these regulations, charitable hospitals are given a safe harbor. If the hospital does not know if an individual is eligible for assistance, the hospital can bill the person its usual charges, as long as the hospital reaches out to determine whether the person is eligible for financial assistance. If the person is eligible for assistance, the hospital must refund any excess payments.
Limits on Extraordinary Collection Actions
Section 501(c)(6) provides that a hospital cannot engage in extraordinary collection actions against an individual before it makes reasonable efforts to determine whether the individual is eligible for financial assistance. Under these proposed rules, a hospital must provide patients with a plain language summary of the financial assistance policy before discharge and include the summary with the patient's first three bills. Patients should be given 120 days following the first bill to apply for financial assistance and should get an additional 120 days to submit a complete application. Finally, if the patient is deemed eligible for financial assistance, the hospital must refund any excess payments and reverse any collection actions already underway.
A hospital has engaged in an extraordinary collection action if it takes any action against an individual relating to paying a medical bill covered under the financial assistance policy that requires a legal or judicial process. Examples would be foreclosing on the individual's real property, garnishing an individual's wages, reporting to credit agencies, or causing an individual's arrest. However, deferring or denying medical care because of a pattern of nonpayment is not considered an extraordinary collection action. Characterizing a credit agency report as an extraordinary collection action has been the subject of many comments to the IRS since Section 501(r) was enacted, but it is included as such in the proposed regulations.
The deadline for submitting comments on the proposed regulations is September 24, 2012.
See more »
DISCLAIMER: Because of the generality of this update, the information provided herein may not be applicable in all situations and should not be acted upon without specific legal advice based on particular situations.
© Proskauer - Not for Profit/Exempt Organizations
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by Duncan Larkin, Published Dec. 30, 2010
Some of Kenya's best will race through the narrow Italian streets.
by Matt Fitzgerald, Published Nov. 3, 2010, Updated Sep. 12, 2012 at 12:56 PM UTC
With no clear favorite for victory, this race looks wide open.
by Mario Fraioli, Published Sep. 28, 2010
Röthlin, Daunay and others confirmed for November 7 in The Big Apple.
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subset: commoncrawl


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Naptown Hero!
And Really. Put your Friggin NIPPLE Away! That is So NOT Funny Steph. SMH
Ok Stephanie. It's SO FUNNY that Erin Hated your guts cuz you used to keep Makiu from his child (your son Caleb) when she was with him. Then you and her became best Buddies after I stop being w/ her?
SO FUNNY. How did you help raise my sun? Did you babysit him inn the house I was paying rent for while his mom went on Drug Binges & Drinking Tours?
SO FUNNY that you are still angry after I haven't had anything to do w/ you or Erin Directly for over 4 years.
SO FUNNY that I see Max all the time and ERIN is in Jail currently for Kidnapping him. Lol.
SO FUNNY her own Family is Finally tired of her and her ways & they are so Proud of ME & My Sun and I am so Thankful for Bookah & James O.
SO FUNNY that you are Angry about something that has nothing to do w/ you at all.
SO FUNNY That your Nipple is hanging out of your shirt in your Profile Picture here.
SO FUNNY is all you can inspire cuz you spewing of Negative Energy is just that. SO FUNNNY. Thanks for the Laugh.
I'm glad your'e Breastfeeding. Lol


text:
Go with Go Rhino
Reviewed By Luis C (BROOKLYN, NY) Reviewed for a 2010 Chevy Tahoe —2/14/2017 8:56 PM
Very strong, sturdy push bar. Perfect fit on my truck and love the appearance. Allows me to mount all kinds of accessories on it. Would recommend to anyone and everyone... awesome product !


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Pros: Really locks into drink holder, in console. Very little vibration while driving, even with tablet in vertical position.
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Smelter is crown jewel of Georgia Tech's big class
: : Recruiting
Jim Ecker
Friday, November 20, 2009
Georgia Tech Coach Danny Hall knew he had a solid recruiting class as the national signing date approached earlier this month. Then DeAndre Smelter called the day before the signing period began and it got much better.
Smelter, an Aflac All-American from Macon, Ga., is ranked No.5 in the country in the Class of 2010 by Perfect Game USA, a terrific athlete who turned down football scholarships (including one from Georgia Tech, ironically) in order to pursue a baseball career. He's got a 95 mph fastball, a slider that's been clocked at 87 and a nasty splitter, among other attributes. And don't challenge him to a race in the 60-yard dash.
"He's in a class by himself," said Hall.
Smelter called Georgia Tech on Tuesday, Nov. 10 to accept a baseball scholarship. The fall signing period began the next day.
"It was a great day. He's an outstanding talent," said Hall. "And not only is he an outstanding talent in baseball, he's a great athlete and he's a great kid. I felt like we got one of the most sought-after guys in the country to commit to stay home and play here at Tech."
Hall signed 18 players, the most he's ever collected in 16 years at Georgia Tech. He'll have six seniors on the team in 2010 and nine juniors who will be draft-eligible, so there could be numerous holes to fill in 2011 when his new recruits are freshmen.
"We felt like we needed to bring in a large class, but 18 is the most we've ever signed," he said. "How many we end up with, that kind of remains to be seen. We hope we get all 18 of them, but usually it doesn't work out that way."
Smelter, 6-4, 205, could be a high first-round pick in the 2010 major league draft, based on current projections, and Hall knows his prized recruit might go straight to pro baseball.
"I think he's very interested in it," said Hall. "Obviously if he's a first rounder and somebody is going to give him $1 million or more, then I would say you'd have to look heavily at pro baseball. But I do feel very strongly that the guys that go to college and develop in college end up being prepared for pro baseball and usually end up making it bigger than they would have had they signed out of high school. And they usually end up playing for a little longer and making a little more money. But if he's a first rounder, then I'd give him my blessing to go ahead and sign, that's for sure."
Chevez Clarke, another Aflac All-American, also signed with Georgia Tech. Clarke, an outfielder, is another terrific athlete who is ranked No.17 in the Class of 2010 by Perfect Game USA.
All told, Hall signed eight players who are ranked in the top-200. The others are Mott Hyde, an infielder from Resaca, Ga.; Daniel Palka, a first baseman/outfielder/pitcher from Lyman, S.C.; Alex Lavisky, a catcher from Cleveland, Ohio; Chris Triplett, an infielder from Fayetteville, Ga.; Chase Butler, a third baseman from Rome, Ga.; and Matthew Grimes, a pitcher from Hoschton, Ga.
The Rambling Wreck also signed PG ranked players in Alex Cruz, an infielder from Woodstock, Ga.; Jonathan Roberts, a pitcher from Fayetteville, Ga.; Zane Evans, a catcher/pitcher from Roswell, Ga.; Kyle Wren, an outfielder from Peachtree City, Ga.; Connor Kendrick, a pitcher from Sharpsburg, Ga.; Devin Stanton, a pitcher from Lilburn, Ga.; Dusty Isaacs, a pitcher from Lebanon, Ohio; Paul Kronenfeld, an outfielder from Greensboro, N.C.; Brad Markey, an infielder from Bel Air, Md.; and Will West, a pitcher from Tallahassee, Fla.
Hall has called this "one of the best classes" he's had at Georgia Tech, but he's not ready to call it the best ever.
"We've had some great classes, so that's the only thing that makes me hesitate in saying it is the best. Time will probably tell on that," said Hall, who has a 690-313 record at Georgia Tech with three trips to the College World Series. "Just on paper, it's definitely in the top-3, for sure. With as many guys as we have, it could be the best ever."
Georgia Tech had an outstanding class in 1998 when Mark Teixeira and several other future major leaguers enrolled in school. Teixeira, now starring for the Yankees, pledged $500,000 to the Georgia Tech baseball program last February for scholarships.
Twelve of the 18 players who signed with Tech this month are from Georgia, one of the richest states for baseball talent in the country. Hall said the level of talent in Georgia has grown in recent years for several reasons: The population growth around Atlanta, a greater emphasis on high school baseball and top-notch high school facilities, the success of the East Cobb program in Marietta, Ga., and the popularity of Perfect Game events in Cobb County each summer.
"It has placed a major emphasis on baseball in Georgia," he said. "We have a good advantage, in that there are very good baseball players in our state. And we get to see a lot of guys in the country come through here all summer long, playing in the Perfect Game events."
Perfect Game President Jerry Ford said, "We really like the coaches at Georgia Tech, they attend all of our big events and they have a great eye for talent. They even signed a kid from our home state of Iowa a couple years ago. Like some of the nation's other top programs, their staff is made up of high quality people who can recruit and develop young talent, like Teixeira, Varitek and Wieters, who will end up playing in the Big Leagues."
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text:
You thought you were tough when you said that'm ugly and that I need a shave.
But when I shot you in the ass with my bow and arrows, you weren't so brave.
We Cavemen are tougher than you think; we have no fear.
You won't be able to sit down for at leasta quarter of a year.
We Cavemen have big Johnsons that make your women lose control.
They want real men; they have no need of your damn Toosie Roll.
Your people have fancy ovens to cook your meals.
We Cavemen want to fish but we haven't discovered the Rod & Reel.
Don't consider yourself superior to us because you smell better and can think.
We are doing as good as you even though we're dumb and stink.
© Copyright 2017 RJohnson. All rights reserved.
Status: Finished
Genre: Humor
Poem / Poetry
Poem / Poetry
Poem / Poetry
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text:
St George's Church Centre
St George's Church Centre, Barrow Road, Waddon, Croydon, CR0 4EZ
£25 per term
22-Jul-16 to 22-Jul-21
Tue, 5.45, 7.15
7 years to 10 years
If your daughter is aged 7-9 years old and would like to join Brownies, then we currently have spaces on Tuesdays 5.45-7.15 at St George's Church, Barrow Road, Waddon, CR0 4EZ
Girls get to experience activities, cook, make things, go on day trips, holidays, do badges and much more. Sign up at https://www.girlguiding.org.uk/get_involved.aspx (5th Croydon Brownies, CR0 4EZ)
Brownies attend from a variety of schools.
Adult helpers (18+) who may or may not want to do the leadership programme are also needed (It is great to put on your CV or Uni application). Adults do not have to commit to every meeting, one meeting a month is still okay. An enhanced DBS (CRB) check will be required. You can email me (email@example.com) or sign up at https://www.girlguiding.org.uk/get_involved.aspx (5th Croydon Brownies). If Tuesday is not convenient they will find you a unit which meets on a day to suit you. Guiding units throughout the borough are in need of adult help. Rainbows 5-7 years, Brownies 7- 10 years, Guides 10-14 years, Senior Section 14- 26 years, Adult leaders and Trefoil Guild 18+
Times and prices are subject to change. Contact venue before setting out.
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----- Original Message -----
To: firstname.lastname@example.com
Sent: Wednesday, May 30, 2007 3:54
Subject: [iris-photos] SDB: Flirting
Again (RE)
Loic! Here's a rebloomer . .. but this is only it's spring
bloom. It seems to be pod fertile, but two crosses using it's pollen
on Plum Twist turned up zero pods. I'll just have to be patient.Anyone
experimenting with reblooming space-age medians? After I took these photos
tonight, I pollenated both blooms to IB
Concertina.Adam~FLIRTING AGAIN•
(J. T. Aitken, R. 2002), Sdlg. 95M35. SDB, 14" (36 cm), M & RE • S.
blue violet; F. russet red; beards white. What Again X Cherry Flirt. Aitken
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Journal Journal: Are You Still Here?
This isn't the journal you're looking for.
You can go about your business.
Move along.
You can go about your business.
Move along.
First Post! Bet that's redundant. Well, I've been reading Slashdot for several years, and this is the first time I've got around to even looking at the Journal section, let alone creating my own and writing in it.
This will likely be a very occasional thing; however, since I have no "friends", and perhaps even no "fans", "foes" or "freaks" either, on
Brain off-line, please wait.


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Ameed Taha
The Evolution-Tangled Mortality. - Poem by Ameed Taha
Truly full of wonder...
Truly full of wonder how ignorance has been infected into this age of developing, distracting us and dragging us away from the sources of knowledge and wisdom. We're not born with hate, grudges nor racism in our hearts; we're taught to hate due to the stupidest reasons we think are right. The age of developing lost consciousness, as it drives us away from the essence of life. We cry.. we cry, hate and drown in depression due to lacking agony; phantom-agony we create and cause it to affect fields of intelligence with poison of ignorance. We fall into unreal-delusions, as ignorance leads us to the belief of these illusions while they only snare us stunned. The age of developing has been eternally-cursed. Interactions of pleasure, stupidity and ignorance are leading us away from evolving into the new age. We let ourselves fall for an unneeded and a lacking agony which deserves no mourning. We become mindless and blind for pleasure as we defy evolving like we truly should.
Oh how ironically full of wonder..
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Ameed Taha's Other Poems
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Full profile →'">
The author is a Forbes contributor. The opinions expressed are those of the writer.
Continued from page 1
With sustained, robust, economic growth, maintaining the most powerful military in the world, and thereby ensuring our nation's security and national defense, will require a smaller and smaller percentage of GDP over time. That security itself will promote capital investment and economic growth in America. The booming economy will produce new technological marvels that will make our defenses all the more advanced. With the economy rapidly advancing, there will be more than enough funds for education. There will also be more than enough to clean up and maintain a healthy environment.
With such booming growth, imagine where our exploding, rapidly advancing science will take us from 2000 to 2100. In a March, 2012 interview in the Wall Street Journal, pathbreaking, pioneering, futurist physicist Michio Kaku explained, "Every 18 months, computer power doubles, so in eight years, a microchip will cost only a penny. Instead of one chip inside a desk top, we'll have millions of chips in all of our possessions: furniture, cars, appliances, clothes. Chips will be so ubiquitious that we won't say the word 'computer.'" Kaku further projected, "In this 'augmented reality,'…the Internet will be in your contact lens. You will blink, and you will go online. That will change everything."
Kaku continued, "To comprehend the world we're entering, consider another word that will disappear soon: 'tumor.' We will have DNA chips inside our toilet, which will sample some of our blood and urine and tell us if we have cancer maybe 10 years before a tumor forms." He adds, "When you need to see a doctor, you'll talk to a wall in your home, and an animated artificially intelligent doctor will appear. You'll scan your body with a hand-held MRI machine, the 'Robodoc' will analyze the results, and you'll receive a diagnosis that is 99% accurate."
On the distant horizon beckons the personalized medicine made possible by the mapping of the human genome, so contrary to the central planning of Obamacare. Modern genetics is rapidly advancing to a redesign of plants and agriculture, the leftist European cant over "frankenfood" to the contrary notwithstanding. While Star Trek style teleporting eludes our science, high definition and 3D video conferencing will provide a similar feel. While Barack Obama thinks modern technology causes unemployment, 3D printing offers new vistas in manufacturing. Robotics has already produced driverless, automated cars, "lights out" factories, and robotic surgery. And that is mostly without advances in artificial intelligence that can expand the effectiveness of the human race to vast new realms.
George Gilder's transformative book, Power and Knowledge, unrecognized in the current generation's temporary Dark Age of the West, explains how breakthroughs in information theory are opening new vistas for previously sidetracked frontiers of physics, chemistry, and biology. That is opening the way for currently frustrated visionaries to achieve their dreams: "Peter Thiel wants supersonic flight and real genetic medicine, robotic vehicles, and new libertarian city-states at sea. Ray Kurzweil pushes for a prosthetic life, an upgraded bionic body with veins vamped with nanobots, chasing down viruses and cancers, repairing outworn tissue and extended by virtual worlds of glass and light."
Kaku concludes, "If you could meet your grandkids as elderly citizens in the year 2100, you would view them as being, basically, Greek gods."
This is the future that today's so-called "progressives," fixated on their literally dumb, static analysis concepts of economic "equality" and "redistribution," would be denying tomorrow's otherwise poor, working people, and middle class. Today's so-called "progressivism" is just the late 19th century reactionary response to the rise of the industrial revolution. It is the surviving nostalgic project to stop history at Karl Marx, and return to the imagined, more bucolic world of the 18th century. This is all best reflected in the environmentalist extremist fraud of global warming/climate change, with Barack Obama's EPA serving as the spear carriers even now still openly trying to reverse the industrial revolution (even if that is not what they themselves imagine they are doing).
But the future will overwhelm the present, and reject the past. Just as the technological breakthrough of fracking, and the resulting oil and gas boom, is overwhelming today's EPA. The American people, pursuing the same vision of freedom and prosperity that inspired the first, original, American revolution, will not be denied the bounty of the future. And ultimately leading that fight for the infinitely prosperous future will ironically be the very same young immigrants that today's "progressives" think will put them over the top in their reactionary war to restore pre-capitalism.


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The securitization market has started to thaw, but many industry participants agreed that some of the more complex instruments, such as collateralized debt obligation squareds, might never return. Asset-backed securities from Lloyds Banking Group and Volkswagen were heralded as helping to reopen the market, but they were also considered to be "plain vanilla" deals. "We've gone from a time where everyone bought ABS and fought for every extra basis point through a knee-jerk period where you couldn't sell these deals at all. Now the debate about the future is becoming more reasoned and forward-looking," said Gareth Davies, JPMorgan Chase's head of European ABS research.
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The volume introduces the central themes in and the main figures of Japanese Buddhist philosophy. It will have two sections, one that discusses general topics relevant to Japanese Buddhist philosophy and one that reads the work of the main Japanese Buddhist philosophers in the context of comparative philosophy. It combines basic information with cutting edge scholarship considering recent publications in Japanese, Chinese, English, and other European languages. As such, it will be an invaluable tool for professors teaching courses in Asian and global philosophy, undergraduate and graduate students, as well as the people generally interested in philosophy and/or Buddhism.
Series: DAO Companions to Chinese Philosophy
Audience: Professional
Format: Hardcover
Language: English
Number Of Pages: 575
Available: 10th August 2017
Country of Publication: NL
Dimensions (cm): 23.5 x 15.5


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HSN focuses on its digital and mobile future
Digital sales generate 55% of HSN's overall sales, and the retailer is looking to new platforms, such as Facebook Live, to acquire customers.
HSN focuses on its digital and mobile future
Digital sales generate 55% of HSN's overall sales, and the retailer is looking to new platforms, such as Facebook Live, to acquire customers.
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.
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FICO's Analytic Offer Manager and Customer Dialogue Manager to be embedded in Looop Big Data analytics platform
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Ken Saunders, who has been chief financial officer at several major companies, is now filling that spot at Bazaarvoice, a provider of consumer-generated reviews technology and services.
Posted 01/12/2009Katie EvansPost a comment
Marketing analytics firm Covario Inc. has added several executives to its management team, including Matthias Blume as chief science officer.
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Gain-sharing arrangement gives retailer access to powerful, fully-hosted account management system March 31, 2005 - (Minneapolis, Minnesota, USA) - Fair Isaac Corporation (NYSE: FIC), the leading provider of analytics and decision technology, announced today that Boscov`s, the largest family-owned department store in the United States, is the first retailer to use Fair Isaac`s Netsourced TRIAD™ adaptive control system to implement more...
Posted 04/01/2005
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Fair, Isaac and HNC Software, providers of business analytic products, are merging under the Fair, Isaac name in a deal valued at $810 million.
Posted 04/29/2002Kurt PetersPost a comment
Partnership Ensures Smooth Integration For The Industry`s Next Generation of Advanced And Comprehensive Deep Analytic Solutions SAN RAFAEL, CA, and ATLANTA, GA July 2, 2001-Fair, Isaac and Company, Inc. (NYSE: FIC) and Equifax Inc. (NYSE:EFX) today announced a new partnership to utilize Equifax`s data integration and linkage systems to deliver advanced integration support for a family of newly enhanced products that Fair, Isaac is producing as...
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Visit the new beta pages for Waste and Recycling and give us your feedback using the link at the bottom of the pages.
We provide facilities where county residents may deposit their own household waste and recycling. This service is provided for Herefordshire Council by a private company - Severn Waste Services Ltd.
Select the links below to see household waste and recycling centre locations, opening times and materials accepted. All sites are closed on Christmas Day, Boxing Day, and New Year's Day.
No trade waste is permitted as any of these facilities.
If you wish to use a commercial type vehicle or a trailer larger than 1.3m in length to deposit your household waste, you will need a permit to use a household recycling centre. A Commercial Vehicle and Trailer (CVT) permit scheme is in operation at all household recycling centres in Herefordshire and Worcestershire. You can find further details on the scheme and how to apply below.
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Commercial type vehicle and trailer restrictions apply at all household recycling centres (HRCs) in Herefordshire and Worcestershire. CVT permits are only available to residents of either county who wish to dispose of household waste from their own domestic property.
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Following the council's introduction of a kerbside recycling service to all households in the county, there is no longer a reasonable need to provide additional recycling banks. In fact these sites are commonly used by businesses that may not lawfully use this service which is only provided for householders to use.
In the past, the bring site service has been important in providing householders a place to recycle common household items. However, following the success of our kerbside recycling service introduced in November 2009 we can no longer justify providing so many sites, as many have become vastly underused. Over 80% of households have access to a domestic recycling wheeled bin service and therefore have an opportunity to recycle glass from their homes. The reduction to 8 bottle bank sites will remove duplication of costs and will result in savings of over £100,000 per annum.
Many residents are provided with recycling sacks where a bin may be unsuitable (due to access or lack of a storage place). Residents using recycling sacks should not place glass bottles and jars in the sacks as broken glass could cause harm. Therefore a limited number of well used sites for glass bottles and jars is provided to allow these residents to recycle their glass.
As long as there is suitable access and storage for the bin it may be possible for you to have a recycling wheeled bin instead. Please contact us:


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Chat replay: Kevin Sherrington answers your Cowboys, Mavs, college football questions and more
Kevin Sherrington, sports columnist for SportsDayDFW.com and The Dallas Morning News, answers your questions about the Cowboys, Rangers, Mavericks and local college sports in a live chat at 1 p.m. Wednesday. Ask your questions in the ScribbleLive module below, and Kevin will discuss them for an hour or so.
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Heat oil and add ginger and cumin. Let cumin crackle.
Add onion and saute until transparent.
Add pepper, kasuri methi and red chili powder. MIx it and add tomatoes. Cover it.
Add the fish and stir it well. Cover it for 2-3 minutes.
Add green bell peppers and stir and cook for sometime.
The dish is ready.
Serving size Per servingComplete recipe
Calories 246 Calories from Fat 112
% Daily Value*
Total Fat 13 g19.3%
Saturated Fat 2.8 g13.8%
Trans Fat 0 g
Cholesterol 0 mg
Sodium 21.7 mg0.9%
Total Carbohydrates 11 g3.8%
Dietary Fiber 3.2 g12.6%
Sugars 4.9 g
Protein 25 g49%
Vitamin A 20.8%
Vitamin C 71.6%
Calcium 4.2%
Iron 9.9%
*Based on a 2000 Calorie diet


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Imagine yourself waking up from a long night's sleep. You open your eyes and to your surprise, instead of finding the familiar bedroom that you know, you see yourself surrounded by the rich blue-green of the sea! You are lieing on your back on a golden, sunny, beach. You look up just as a butterfly passes by...
You slowly get up from the soft sand and the warmth of the water and look around. All you see is the gentleness of the sea and vividly colored trees at the edge of the beach.
You walk along the edge of the sea when all of a sudden, out from the waves pops a beutiful mermaid! Both of you stare at each other for a second until finally she says:
Hello! My name is Lilac! You must be new around here! Can I help you in any way?
You ask about the island
Oh yes, well this island is called the Isle of the Fairies, but other creatures live here as well. There are more mermaids that live here too. Oh, and be sure, before you leave this enchanted land, that you sign your name to the village scrolls!
There are other places to go as well:
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Cambridge, MA, June 27, 2016 – Financial inclusion pioneer Accion today announced the appointment of financial service industry leaders Raza Dean and Nick Talwar to the organization's board of directors."We are thrilled to welcome Raza Dean and Nick Talwar to the Accion Board of Directors," said Accion Board Chair Diana Taylor. "Both individuals bring unique and extensive experience in the financial services industry. This experience, combined with a global perspective developed over years of living and working abroad, will be instrumental in advancing Accion's effort to foster financial inclusion around the world." Dean brings to the Accion board more than 30 years of experience in the global financial services industry and promoting business development and growth. As president of RMD Associates, he supports the growth and development of small- and medium-sized businesses. His professional experience crosses the banking, finance, manufacturing, distribution, and retail industries, and includes 16 years in commercial banking and 10 years in banking in the Middle East. He has held management positions with companies that include the Bank of Boston, Citibank, Boston Retail Partners, and United Saudi Commercial Bank. A native of Pakistan, Dean has lived and worked in Saudi Arabia, Bahrain, and Greece. He currently resides in Cambridge, Massachusetts.Talwar brings to the Accion board a successful track record of launching, turning around, and scaling businesses that range from fintech startups to global multinational corporations. In his role as general manager for Amazon Lending in Seattle, Washington, Talwar has led the company's global expansion into the lending industry. His other work includes leading Visa's credit card business in North America, serving as chief revenue officer of online peer-to-peer lender Prosper Marketplace, and working as the country manager for Citibank Sweden, among others. From this experience, Talwar has built expertise in areas such as consumer and small business lending, payments, digital, and microfinance. In 2013, he was elected into the Young Global Leader program of the World Economic Forum. About AccionAccion is a global nonprofit dedicated to building a financially inclusive world with economic opportunity for all, by giving people the financial tools they need to improve their lives. We are building the next generation of top-tier microfinance institutions, and over more than 50 years have helped build 65 such institutions in 32 countries on four continents that today reach millions of clients. Our impact investing initiatives are pushing beyond microfinance to catalyze more than 20 innovative start-ups dedicated to improving the efficiency, reach, and scope of financial services for the poor. And our Center for Financial Inclusion is helping to build a stronger industry with high standards and broad engagement. Currently, our work spans nearly two dozen countries, including the U.S., where we are the nation's largest nonprofit microfinance network. For further information, visit http://www.accion.org. ### MEDIA CONTACT:Katie firstname.lastname@example.com+1 202.280.5859
By Michael Schlein, President and CEO, Accion Around the world, two billion people lack access to formal financial services. There's no single cause for this widespread and significant problem, nor is there a single way to address it. But there are new trends in data, analytics, and mobile phones that we can use to remove some of the impediments preventing people from accessing and using formal financial services–particularly credit. In many cases, the principal barrier preventing applicants from borrowing is a fundamental lack of information about the customers themselves. Lenders reject potentially creditworthy applicants because they don't have the detailed financial profiles that banks rely on in underwriting. These "thin-file" applicants–including first-time borrowers, legal migrants, and young adults–might be excellent customers, but lenders typically pass on them because they're essentially invisible. That invisibility results from how banks typically do business. In the U.S. and many other parts of the world, banks generally rely on only one piece of information to make credit decisions: a credit report generated by credit rating agencies. These reports are built on the assumption that past credit behavior predicts future credit risk. This assumption is problematic for a number of reasons. First, to be able to build a credit score, one needs access to credit to begin with; and to access credit one needs a credit score. Second, credit agencies in different countries use different systems to evaluate credit behavior, so a profile created in one country might not be recognized in another. When migrants move legally to a new country, their credit histories–no matter how good they are–stay behind. A migrant who has already paid off a mortgage or a car is still "credit invisible" when they reach their new home.This is a problem even in countries with complex, integrated formal financial systems: in the U.S., one in 10 Americans have no credit history, and an additional 19 million have outdated, "unscorable" histories. There are millions more "thin-file" customers in the U.K., Spain, and Canada, who face similar problems in addition to the billions of other financially excluded people who lack access to any formal financial services and are invisible to the sector. This exclusion prevents entrepreneurs from launching businesses or parents from sending their children to school. It also costs banks quality customers.But data can change that. In the last few years, new solutions have emerged that leverage the explosion of personal data created by the proliferation of mobile phones to better understand customers and predict their credit behavior. Combining a wealth of alternative data–including social media, internet usage, phone records, and bill payments–with robust analytics can help lenders understand what the applicants themselves are like. That information can be much more valuable and predictive than credit scores. There are a number of innovative startups tapping into alternative data and using it as the basis for new lending models. In fact, some of them result from the very problems caused by banking's overreliance on credit scores. When Aneesh Varma moved from the U.S. to the U.K., he couldn't get a credit card despite having a strong financial history. His experience motivated him to co-found Aire, an alternative credit scoring startup that uses applicant-provided information and new sources of data to verify customers' identity, profession, education, lifestyle, and financial knowledge. Aire uses this information to help "thin-file" customers and creditors work together. Other companies demonstrate a great deal of creativity using alternative data to predict user behavior. Tiaxa tracks users' phone usage and evaluates them on 70 different variables a day. It analyzes whether users regularly top-up their air time, read and write text messages, travel frequently or use more than one cell tower, among many other behaviors. When a user runs out of airtime, Tiaxa uses this information to decide instantaneously whether to extend them a small amount of credit, a "nano-loan", to talk on the phone, text, or surf the web. Though these "nano-loans" don't represent much money, they can be essential to the user in the moment and the beginnings of a personal credit profile. The company is now starting to expand their service, using client data to make bigger working capital loans.There's also Konfio, an online lending platform that uses innovative credit algorithms and alternative data analysis to help small businesses in Mexico that lack access to credit obtain affordable working capital loans; and Tienda Pago in Peru, which works with distributors of large consumer goods manufacturers to provide "mom and pop" store owners with short-term working capital loans that they need to buy more inventory and increase sales through mobile platforms, all while building a formal credit history.Alternative data's growth is due in large part to mobile technology: although 2 billion people lack access to financial services, 85 percent of the world's population–or roughly 4 billion people–have mobile phones that are almost constantly transmitting, processing, and receiving data. In fact, as mobile phones and the internet continue to spread throughout the developing world, there will be increasing amounts of high-quality, user-generated data at companies' disposal. In 2011, 2 out 3 people in the developing world had smartphones; by 2020, 4 out of 5 will. At the end of 2015, 3.5 billion people were using the internet–and 2 billion of them were in the developing world. The financial sector is only just beginning to discover alternative data's potential. As alternative data becomes more available, and as its analysis becomes more accepted, I hope that lenders discover other uses that go beyond "de-risking" new applicants, such as helping customers manage their financial health or using behavioral science and well-timed "nudges" that prompt them to save. It will take thorough data analytics and a great deal of experimentation, but the value–for businesses and their clients–is too great to overlook. This article was first published in CIO Review.
By Diana Taylor First published by Emerging Markets magazine, April 8, 2016 Latin America's financial institutions are microfinance and financial inclusion pioneers. Bolivia's BancoSol was the first commercial bank focused on the base of the pyramid, helping establish a model that now serves 200 million people worldwide; in Mexico, Compartamos' 2007 IPO remains the largest in microfinance's history; and Peru has captured the top financial inclusion regulation rating for the last eight years. Is Latin America's innovator status fading? With only hundreds of high-quality microfinance institutions (MFIs) in the region, the industry has rarely needed to compete or innovate; in North America, thousands of banks fight to win and retain customers, and a host of emerging fintech players makes that competition even fiercer. High-quality, independent MFIs focused on the base of the pyramid are already too rare in Latin America. And commercial banks are increasingly looking to acquire privately-owned MFIs and consolidate the sector further. In 2009, Scotiabank bought Peru's Banco del Trabajo, and purchased Mexico's Crédito Familiar in 2012. In 2014, Credicorp acquired a majority stake in MiBanco. These moves indicate microfinance's successes creating scalable, well-governed institutions, but also pressure remaining MFIs to adapt, sell, or differentiate themselves. I hope it's the latter. For too long, Latin American microfinance has been too risk-averse and conservative. That can't continue. Latin American microfinance is a cornerstone of the effort to provide the world's 2 billion financially excluded people with the tools and services that they need. It supports countless individuals and businesses, and should invest in, improve, or partner with fintech startups or other alternative financial services to secure its future. The most immediate way for Latin American MFIs to differentiate themselves is finally committing to fintech. While it's taking hold in the region, Latin America lags behind Asia and East Africa in promoting digital financial services. Inter-American Development Bank (IDB) President Luis Moreno recently reviewed how Latin American and Caribbean governments had digitized government services in the Financial Times, writing that they should "make these investments now" to "modernize devices, improve quality of life and share the benefits of technology more equitably" to "create the conditions to foster enterprise and prosperity." Governments have yet to act adequately on this. The future belongs to innovators. There are significant markets across Latin America that fintech can serve: in 2014, people throughout Latin America and the Caribbean received over $65 billion in remittances. Leaner digital services will continue forcing remittances' costs down, and banks should find ways to capture some of that revenue through fintech, rather than watch apps steal it away. But the business case for supporting fintech is broader than one service. Fintech makes it possible to make better bets while reaching more markets with more products. By analyzing digital footprints, financial institutions can know their customers, understand their needs and confirm their identities. And by analyzing phone usage, social media, and other sources of Big Data, innovators can develop sophisticated profiles of the people who are left out of the current system. Today, these individuals are invisible; with alternative data and the algorithms to analyze it, we can make 2 billion people visible. The Internet of Things even makes it possible to create pay-as-you-go mechanisms that can dramatically expand markets and financing for services in remote areas. Apart from the business case, by innovating, Latin American MFIs can reaffirm their commitment to promoting economic and social development. Despite the considerable contributions that Latin American MFIs have made advancing financial inclusion, too many in the region are still left out of the world's formal economy. Roughly 210 million people across Latin America don't have a bank account. That's too many people for a region that others see as an example for inclusive finance. Many MFIs throughout Latin America were created to promote access to financial services. It's up to their boards of directors and staff to live up to this mission, rather than grow complacent. Fortunately, there are a number of ways for regulators, management, and investors to address these challenges and promote innovation. Regulators should follow the Economist Intelligence Unit's Microscope, an annual ranking and review of 55 countries' policy for financial inclusion. Created by the IDB, the Microscope helps regulators adopt effective legislation. During this week's IDB-IIC Annual Meeting, policymakers should discuss the Microscope's recommendations, and consider how to enable partnerships between MFIs and startups. These relationships benefit both: startups can use MFIs' banking licenses, and through partnerships, MFIs can refresh their brands while reaching new customers. Management should harness technology, which can reduce the time, effort, and cost of enrolling and servicing clients. A recent study of MFIs' usage of digital financial services found that institutions using technology in the field saw increased revenue as a result of enhanced efficiencies, cost savings resulting from the elimination of paperwork, reduced fraud, and improved client service. Shareholders should influence their investments to embrace innovation. By challenging management to pursue new opportunities, they can help ensure the future well-being of Latin American MFIs, and ultimately assist more people and businesses access and benefit from the financial services that they need to build better lives. Diana Taylor is the Vice Chair of Solera Capital LLC and Chair of financial inclusion pioneer Accion's Board of Directors Read about our clients. This article is also available in Spanish and Portuguese.


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The AFC East went 2-1 in Week 5. The New York Jets still have a game to play Monday night, but there were several impressive performances to chew on.
So who is the latest AFC East Player of the Week?
Was it Miami Dolphins safety Reshad Jones? The Dolphins had a good team win over the Cincinnati Bengals. But Jones stood out Sunday with seven tackles and a game-clinching interception off Bengals quarterback Andy Dalton.
The Patriots had a couple of standout performances on offense. Starting tailback Stevan Ridley rushed for a career-best 151 yards and a touchdown. He had a late fumble that will be remembered. But overall, Ridley was impressive. Pro Bowl receiver Wes Welker also is back in the mix with 13 catches for 104 yards and a touchdown.
Finally, we have Buffalo Bills kick returner Leodis McKelvin. He had a great kick return of 59 yards and another punt return of 28 yards. McKelvin was one of the few bright spots in Buffalo's 45-3 loss to the San Francisco 49ers.
Using our SportsNation poll, vote on who should be the AFC East Player of the Week from Sunday. You can also share your thoughts in the comments section below.


text: Borderlands 2 PC Case Mod Is Just Absolutely PerfectLuke Plunkett5/12/13 11:30pmFiled to: pcborderlands 2case mods38EditPromoteShare to KinjaToggle Conversation toolsGo to permalink Inspired by the weapon and ammo caches in the game, CrazyLefty has turned his PC into something the wastelands of Pandora could be proud of. Advertisement The colour scheme is spot-on, but it's the cel-shading effect that really sells it. Not sure how well it'd word with obsessive-compulsive fans though. I can see people needing to cel-shade the rest of their office just to match.I like the added touch of a themed carry-case for the keyboard as well! Advertisement Borderlands 2 case mod [Hard Forum, via technabob] Reply38 repliesLeave a reply


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More Videos...
Sick 4x4 Rodeos!
This is a compilation of all the coolest rodeos I could find on the internet during work. If yours made it on congrats! But these ares sick vehicles it's about time somebody made a video dedicated to them.
A tour of my 1996 Isuzu Rodeo 4x4 with Calmini lift
I grabbed the camera and got some video of the rig. I have been pondering selling or trading this for a smaller fuel efficient car for my new 100 mile daily commute. Here is the Rodeo Brush Bar: http://rover.ebay.com/rover/1/711-53200-19255-0/1?icep_ff3=9&pub=5574686393 &toolid=10001&campid=5335969483&customid=youtube&icep_uq=rodeo+brush+guard& icep_sellerId=&icep_ex_kw=&icep_sortBy=12&icep_catId=&icep_minPrice=&icep_m axPrice=&ipn=psmain&icep_vectorid=229466&kwid=902099&mtid=824&kw=lg
Lift Kits, Suspension Leveling Kit, Truck Body Lift Kits.flv
ReadyLift suspension kit for 2008 and newer Ford Super Duty trucks
Installing my Lift Kit
My cousin Blaine removing the springs for the installation of a 2" lift kit on my Wrangler. He's a manager at Four Wheel Parts. No, this is not the complete installation video. This will not tell you how to go home and do it. Just a quick clip of part of it getting done.


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A jaw dropping transportation of FOUR signed cards. Pro caliber magic that anybody can do. https://t.co/kbIiS..
#trending right now
FREE STANDARD SHIPPING TO USA. No minimum order value to get free shipping on this item. Cool, right!?
Out of stock.
From the creator of "Water to Beer" comes Phork
Please note: Phork is a major breakthrough as the fork will remain straight and will bend ONLY when touched, there's no need for Phork to be constantly kept at extremely low temperatures. If the room temperature is not high, Phork will not bend.
"Just been playing around with Phork after it arrived yesterday. WOW this thing is beautiful! Jay you must have worked hard to bring this to the stage it is now, I'm surprised there isn't a lot more interest in this product as it really is the 'state of the art' and blows away previous versions (Yuval's, Super Rex, etc). I have worked out a different way to execute the bend - my hand remains completely still throughout the bend and all that is seen is a flat fork that gradually becomes a bent fork. I do not use any rubbing motions or any movement at all during the bend. I'm sure lots of variations will emerge but I have to say I am particularly pleased with the 'stillness' bend. Simplicity of effect at it's best! "
- Al Straker
"Hi Jay, This is Andrew Gerard. I wanted to say how wonderful Phork looks.... It sounds like you really did it right."
- Andrew Gerard
"Hi Guys I have received PHORK and I will tell you its worth much more than the asking price.... This is a beautiful thing. I have been using it at the end of a short metal bending routine as the "ultimate test".. this combined with other methods completely makes your metal bending look impossible. I am filming a DVD on metal bending, which will include new practical ideas/displays of mine that I have kept to myself for a loooong time... performance only demonstrations of Key Accessory and others will also be included.. I have included a section entirely on the psychology of metal bending and why it continues to fascinate people to this day.. in this section I will include PHORK, as it would mimic real metal bending. If my life was on the line and I HAD to convince someone I could really bend forks... phork is what I would use. If you buy this, you should not regret it. Happy bending."
- Andrew Gerard
"Absolutely brilliant. I'm now using this, with a "riveting presentation" as the penultimate effect in my one man show: "Modern Man & X-Ray Vision." Easy to keep set all through the show, and great trigger temperature that AT LAST makes using this concept a reality for the working pro."
- Ben Harris
"I just marvel at your work. This is just perfect. For years I have been using rough spoons I had made ages ago. (maybe 12 years or so). From the stage, they were fine, but rough, fiddly all the usual problems. Yours is just perfect and the way it "finds it's shape" after the freeze, forming that beautiful "at rest" position is joyous. Honestly, I sat for several hours just looking at it in it's flat position. Admiring the reflections, the curves. PERFECT!"
- Ben Harris
"I bought 3. For decades, I've been using crude, self-designed, memory metal spoons in my one man show -- Modern Man & X-Ray Vision. While they worked fine, they were hard to keep cool, and they never quite looked right. But, from the stage, it all looked fine. Jay has solved ALL the problems. This looks like a real fork. Stays flat at room temperature. STUNNING. My presentation is entirely "hands off" and NOTHING comes close to PHORK as being the ultimate example of excellence in this genre."
- Ben Harris
"There are so many versions on the market of bending spoons and forks it's hard to know what to chose. Once I saw this I was blown away. While it's high ticket item I have to tell you, if you want the best bending fork on the market, this is it and worth every penny. This blows every other routine out there away. The method is fantastic and very professionally produced. Forget the rest ... get THE BEST!!!"
- Paul Romhany
"This baby beats the Keren fork tenfold, period. The way I would perform it is with a combination of Banachek moves and then bring in Phork for close combat... I think for what it is it should be priced higher to keep it away from the YouTube brats and the curious."
- Silvio Solaris
"Phork does look like a normal piece of cutlery. Also it behaves slightly different than other similar items available. These are two good advantages over the other similar props. Overall the Phork looks good and very realistic. Nice prop!"
- Ustaad
"Nice product Mr. Jay. good job"
- hendramagic
"That looks really good. Well done Jay."
- Silvertongue
"I would like to make a small review of phork. I had access to one of these kits, and man, they created a huge improvement in my point of view. The simple fact that your are not restricted, most of the time, to temperature makes it a pro worker. The other models cannot be compared to this, thrust me. About the fork - It looks and feels like a very realistic fork, not a cheap toy. 10/10 points here. You don't need to rub that much. I know the demo transmits the opposite, but it is just not the case. The package itself - It was all done with a great care and love, you can see and touch since the first time you open it. Price - You are buying here a prop and the research time for the best materials. By comparing the price to what you receive, you are getting a bargain. If you do metal bending, I cannot see a better thing to do and get, it looks like the real thing. Hope this helps. Thanks."
- Morganite
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Keyblade War
this wiki
- "In ancient times, people believed that light was a gift from an unseen land by the name of Kingdom Hearts. But Kingdom Hearts was safeguarded by its counterpart, the χ-blade. Warriors vied for that precious light, thus beginning the "Keyblade War". The violent clash shattered the χ-blade into twenty pieces—seven of light and thirteen of darkness. And only the real Kingdom Hearts was swallowed by the darkness, never to surface again."
- —Master Xehanort
The Keyblade War (キーブレード戦争 Kīburēdo Sensō?) is a legendary conflict that occured long before the events of the Kingdom Hearts series, yet is a major driving force behind Xehanort's actions.
General Description
Both Yen Sid and Xehanort revealed that when the World was whole and full of light people desired the power of Kingdom Hearts, many creating the first Keyblades in order to obtain the means to control Kingdom Hearts: the χ-blade. However, many sides clashed over who would get the χ-blade, causing a massive war that consumed everything in darkness as the ancient weapon was shattered into twenty pieces, seven of pure light and thirteen of pure darkness, and the "true" Kingdom Hearts disappeared into the darkness.
However, the light within the hearts of children kept the darkness at bay yet separated the worlds from each other. The remnants of the battlefield on which the Keyblade War took place became the Keyblade Graveyard, littered with Keyblades of fallen warriors. The remaining Keyblade wielders resolved to protect the World from further destruction, becoming guardians of the World order.
The story of the Keyblade War was passed into legend, and the Keyblade was depicted both as a bringer of chaos and destruction and as a weapon to save the World. However, ages later, Xehanort came upon the story of the Keyblade War and resolved to recreate the χ-blade to cause a second Keyblade War.
Truth about the War
As revealed in Kingdom Hearts χ, the war was actually predicted in the Book of Prophecies. Before the events of the players start their journey, the five Foretellers and one other Keyblade wielder were the apprentices of his creator, the "Master of Masters." Shortly before he disappeared, the Master of Masters assigned his disciples new names and gifted five of them with a tome from the Book of Prophecies, which taught them of the event that would doom the world.
However, for Luxu's case, instead of given the tome, he was made privy to the secret contents of the Lost Page detailing the intentions of the Master of Masters—intentions that are not concerned with the survival of the world, and instead foretell how the conflict between Unions will eventually erupt in the Keyblade War—and was given the mission to observe these events to ensure that they will occur as prophesied. Due to the Lost Page, he watches over and manipulated the events and Foretellers, just to ensure that the prophecy of the war will come true.
Due to this, there are conflicts in between the Foretellers, who have mixed reactions and thoughts of preventing the world's end. Ephemer, a Keyblade wielder in Daybreak Town discovered the truth much faster than the Foretellers. To ensure the survival of the children and wielders, under Foreteller Ava's instructions, he went to the outside world to wait for the dandelions. When the time comes for the original world to be destroyed, the children will create new worlds through their hearts.
|Party Members
|Aladdin - Player - Hercules - Skuld
|Non-playable characters
|Alice - Beast - Belle - Card Soldier - Cerberus - Cheshire Cat - Chip - Chip and Dale - Chirithy - Cloud - Cogsworth - Donald Duck - Doorknob - Ephemer - Foreteller Aced - Foreteller Ava - Foreteller Gula - Foreteller Invi - Foreteller Ira - Gaston - Goofy - Guards - Hades - Lumiere - Luxu - Mad Hatter and March Hare - Magic Mirror - Master of Masters - Maurice - Mickey Mouse - Moogle - Mrs. Potts - Phil - Queen of Hearts - The Prince - The Queen - Seven Dwarfs - Snow White - Wardrobe - White Rabbit
|Agrabah - Beast's Castle - Daybreak Town - Dwarf Woodlands - Olympus Coliseum - Wonderland
|Dive to the Heart - Underworld
|Book of Prophecies - Cards - Medals - Jewels - Quests - Dream Eater - Heartless - Keyblade War - Keyblade - Lux - Nova - Raid Boss - Union - χ-blade
|Artwork - Keyblades


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Lot 21: IMPRESSIONIST MARINE PAINTING
November 6 Estate Auction
by Butterscotch Auction Gallery LLC
November 6, 2016
Bedford Village, NY, USALive Auction
Charles Henri Quinet (1830-1912) Please Register/Login to access your Invaluable Alerts
Looking for the realized and estimated price?
Description: late 19th/early 20th Century, coastal scene with two figures in a boat, oil on canvas, 18 x 26 in., signed indistinctly "CH. ----" lower right, possibly Charles Henri Quinet (French, 1830-1912)
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Women's Forum
Lerner professors create certificate program designed to help talented women take advantage of senior leadership opportunities
Imagine Opportunity
Shubha Patvardhan receives prestigious Junior Faculty Award to explore how creativity drives brands like Apple, TESLA and Google.
Big Data Opportunity
Professor John D'Arcy helps the $71 billion IT security industry manage sprawling risk.
Explore All Lerner ProgramsChoose from 15 undergraduate majors, 10 master's degrees and three doctoral programs.
Explore Lerner


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Being good parents is hard even when you're happily married, but for separated or divorced couples, parenting can be particularly daunting. There is hope. Mindful Co-Parenting provides divorced parents a practical way through the process that protects their children. In this compact, step-by-step guide, written in a supportive yet direct style, clinical psychologists Jeremy S. Gaies, Psy.D., and James B. Morris Jr., PhD, identify what matters most to kids and describe the importance of parents being mindful of their children's needs and wants.
Starting with the question of whether or not divorce is the best option for your family, the book walks you through the process, from choosing the most child-friendly divorce proceedings, to navigating co-parenting after the papers are signed, to handling the future challenges of step parenting and other issues that may arise. By simply paying attention and planning ahead, you and your ex can reduce the potential negative effects of divorce on your family. Learn how to create a comprehensive parenting plan that can begin to establish a new norm for the benefit of your family's new future.
©2014 Gaies, Psy.D., Jeremy S. and James B. Morris, Jr., Ph.D. (P)2015 Audible, Inc.
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If you find this review inappropriate and think it should be removed from our site, let us know. This report will be reviewed by Audible and we will take appropriate action.


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Named "America's Healthiest Grocery Store" by Health Magazine, Whole Foods Market is the leading organic and natural food retailer, prioritizing animal welfare, seafood sustainability, organic agriculture, and safer personal and home care products. Whole Foods Market strives to provide customers with a superior customer service experience, while also supporting local producers, bettering the communities in which it operates, and improving the environment. Because of its dedication to strict quality standards and excellence, Whole Foods Market is able to offer its corporate and individual customers alike a consistently exceptional shopping experience.
Whole Foods Market customers shop for quality and consistency, and are very loyal to the brands they like, patronizing the same stores again and again. Less focused on the bargain, Whole Foods Market customers have expendable income and care about where they spend their money, even going out of their way to shop at preferred retailers.
Gift cards never expire and can buy anything at any of our 400 stores in the US and Canada. For more information on where to find the closest store, please visit wfm.com/stores.
Whole Foods Market is not a sponsor of this promotion nor affiliated in any way with Swagbucks.com.
Your gift code will be posted on your account profile, under "My Gift Cards" within 10 business days of verifying your purchase.


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----- Original Message -----
To: email@example.com
Sent: Tuesday, February 13, 2007 10:30
Subject: [iris-photos] RE: Orange
This is a dusty orange seedling that
is being introduced next year. No registered name as of yet. Suggestions
This is a very tall and very hardy plant. Plants that are this hardy for
me ususally frow very well in a lot of climates.
Chuck Chapman
With photo this time.
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"Source Code" actress Michelle Monaghan is heading to war in the new indie drama " Fort Bliss". According to Variety, Monaghan will portray a veteran of the war in Afghanistan.
The film will follow a female soldier transferred home after a long tour in Afghanistan who struggles to relearn how to feel to rebuild her relationship with her 5-year-old son. Shooting starts in June 2012 in New Mexico with a budget of about $2 million.
Claudia Myers (2006's "Kettle of Fish") will direct and produce the film. Brendan McDonald and Adam Silver will also produce.
Monaghan is currently filming "Boot Tracks" with Willem Dafoe and Stephen Dorff and has "Penthouse North" and "Better Living Through Chemistry" in the works.


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Out with the old and in with the new! Join us for an all-ages clothing swap where you can refresh your wardrobe in a free and eco-friendly way. Get a head start on spring cleaning and bring your gently used clothing that you no longer wear to exchange with your neighbors'. The swap will run from 10:00 a.m. to 12:00 noon, so feel free to drop in any time!
Este es un evento de Ecología (Green Stacks).


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NFL ENDANGERED SPECIES NOW? T.J. Simers says the
T.J. Simers says the NFL never has been as popular as it is now, but could the lasting effects of injuries cause its extinction? Sports 2
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The much-anticipated video for Lady Gaga [1] and Beyonce's "Telephone" premiered last night [2]. Clocking in at 10 minutes long, the video picks up where "Paparazzi" left off — with Lady Gaga [3] in jail for poisoning her boyfriend. True to Gaga form, there's a ton of tech in the video: her
Source [7]
Video Introduction
The video's bright graphics are based on a Quentin Tarantino-style film.
Old-School Boom Box
The prison yard goes retro [8] with an old-school boom box.
Heartbeats Headphones
The Lady Gaga Heartbeats headphones [9] make a cameo early on. They also appeared in the Bad Romance [10] video.
Gaga Gets a Call on the LG Rumor2
The LG Rumor2 [11] gets a few shots while Gaga is in the prison yard . . .
LG Rumor2 Close-Up
. . . and Virgin Mobile gets a shout-out, too.
Polaroid Makes a Cameo
She snaps a few Polaroids [12] of Beyonce after being bailed out of prison.
Polaroid Instant Camera Close-Up
After she snaps a few shots, we get a close-up of Gaga's Polaroid camera.
A Prison Guard Works on an HP Laptop
The prison guard works on an HP Envy laptop [13] . . .
Well, Maybe She's Not Really "Working"
. . . and checks out an online dating site [14].
Check Out That Telephone Hair
Gaga's headpiece is pretty out of control in the diner scene.
Recipe for Geek
Who knew Gaga was such a geek? Her poisonous Cook n' Kill recipe gives nods to Dune (Meta-Cyanide), Star Wars [15] (Fex-M3), and Command and Conquer (Tiberium).
Blue Telephone Hat
And her phone hat in the kitchen scenes is pretty funny, too (though not quite as comical as that backup dancer holding the head of lettuce).
Phone Hat, Close Up
I'm a little bummed the phone hat Gaga wore on a UK television show [16] didn't end up in the video.


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The company indicated that if its consortium lost the battle for a digital terrestrial TV licence then it would consider offering programming to the rival bidder, Digital Television Network. Carlton said that not only would it be involved in digital through ITV, but also "as a major producer and distributor of television programmes and films".
City analysts said yesterday they had anticipated Carlton's alternative plans, expecting the company to exploit its programming and production expertise. One analyst said: "If Carlton aren't successful with BDB, you'd expect them to go round the back door and negotiate with DTN."
Robert Jolliffe, media analyst at ABN Amro Hoare Govett, said the digital television environment was "generally incredibly good news for Carlton".
He said: "Digital television will mean that there are more buyers of the kind of programming that Carlton produces - high-quality UK drama."
Carlton's shares jumped 18.5p to 517.5p after it announced pre-tax profits up 11 per cent to pounds 158.6m for the six months to the end of March. The results were roughly in line with expectation, but some analysts were reserving judgement on the full year until the results of the digital licence awards were known.
Carlton's television advertising revenues rose 11 per cent in the half- year. However, some analysts predicted that growth may not be so strong for the full year as the election had a negative impact on advertising revenues.
Three of Carlton's four divisions continued to grow, but the video operation reported a 12 per cent drop in turnover, in part due to the strength of sterling.
- More about:
- Digital Television
- Programming
- Television


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Family Day CD recognition and awards!
Aside from all the wonderful support, sales, and great feedback from all our friends and fans, can ya believe the outside world has been noticing as well. Zach's original song, Little Log Cabin, which he wrote for his then fiancée and now wife, Hollie, (great wedding in October 2014, lots of music and contra dancing!), was a Northeastern Ontario Regional Top Ten Finalist in the CBC Searchlight Contest…not bad for a little trad band from Desbarats.
We were chosen for a liveireland.com music award for New Emerging Group, as well as Best New Group TIR Award from the Chicago Irish American News! Yee-haaa!
"There is little to say about all of this,except you must get your hands on the album" Chicago Irish American News
"Totally entertaining from start to finish." liveireland.com
The O'Schraves
"The O'Schraves" (The O'Gorman/Schryer/Lefebvre Family) brings you entertainment that is joyous, skillful, inspiring, and fun. Two of Canada's finest traditional musicians, Julie Schryer (Pierre Schryer Band, Brian Pickell Band), on piano, and Pat O'Gorman (Rare Air, Brian Pickell Band), on bagpipes, Irish flute and tin whistle, are ably assisted by the younger members of the family, Benoit Schryer Lefebvre, 22, (2011 and 2012 winner of the 18-and-under Pembroke Fiddle Contest) on fiddle, tin whistle and vocals; Zach Schryer Lefebvre, 25, on his own handmade guitar as well as cello, tin whistle, piano and vocals; and Áine Schryer O'Gorman, 13, (2015 winner of the 12-and-under Pembroke Fiddle Contest) on fiddle, stepdancing, tin whistle, and vocals. In 2014, Zach's composition, Little Log Cabin, from the Family Day CD, was a top ten regional finalist in the CBC Searchlight contest. The group was awarded New Emerging Artist Award by liveireland.com and Best New Group from the Chicago Irish American News for 2014.
Visit band member pages (above) to learn more about each of them! To download a pdf media info sheet, click here; digital copies of a poster can be obtained by contacting us. You can hear some of the tracks from the CD by clicking on the "family day cd" tab above. If you'd like to purchase our new CD "Family Day", please click on "Add to Cart", then check out by clicking on the shopping cart icon on the left hand side of this page..
In concert
"The O'Schraves" play captivating traditional Canadian, Irish, and Scottish music mixed with new compositions written by modern tune composers and members of the family, as well as original and traditional songs and even a stepdance or two for good measure. Their concerts appeal to all-ages and present an inspiring variety of music and instrumentation with skill, joy, and good humour. The band has played concerts throughout Ontario and Michigan, and performed at Blissfest 2014.
For dances
"The O'Schraves" have played for regular dances in the Algoma region for the last 8 years, including dances at AlgomaTrad Family Camp, and have been the dance band for the Bayside Travelers' contra dances in Traverse City, Michigan, the Toronto Country Dancers' Contra Dances, and the Owen Sound Spring Fling Dance weekend. In 2014, the group toured in the U.S., playing contra dances through Tennessee and Western North Carolina. After you've danced to their superb tune-playing and rock-solid groove, you'll Rave about The O'Schraves! You can see clips of us in action on our Facebook page facebook.com/pages/the-oschraves.


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I'm loving Zimmermann's dark and sultry interpretation of 1920s nostalgia by way of their fall lookbook. The mood is flawlessly set with woven brocade pants, asian-inspired botanical silk printed skirts, lace dresses, and velvet blazers. I'm especially eager to try the strapless dress over blouse combo!
Lisa Congdon
San Francisco artist Lisa Congdon's bold color choices in her mixed media collages are done to perfection. The juxtaposition of the subtle black and white line drawings with fur, prints, and colorful geometric shapes has me wanting to purchase every single print from her Etsy shop.
Thakoon Pre-Fall 2012
Do you remember how Diana, of Miss Moss, brilliantly re-imagined Kenzo's spring collection a couple of months ago? She's outdone herself with another series – this time positioning looks from Thakoon's pre-fall collection against a selection of watercolors and oil paintings. The neutral landscapes compliment Thakoon's pastel color palette, feminine silhouettes, and woolly textures perfectly!
Print N' Flow
UXUA Casa Hotel
Nestled in the colorful fishing village of Trancoso, on Brazil's idyllic southern Bahian coast, is UXUA Casa Hotel. This sustainable and spectacular retreat was created by former Diesel designer Wilbert Das, in collaboration with local artisans, using traditional building methods, reclaimed materials, and Brazilian antiques and art. Four of the ten casas are restored fishermen homes on the 16th century town green called the Quadrado, while the rest sit in a lush garden. My kind of paradise . . .