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OFFICE OF CAMPAIGN AND POLITICAL FINANCE MTCA CONFERENCE Williamstown Sept. 23-25, 2009
Background The Office of Campaign and Political Finance was established in 1973. Portions of the state campaign finance law were on the books as early as 1884. The office administers MGL Chapter 55 and is headed by a director who is appointed by a commission every six years.
MGL Chapter 55 Transparency in the Electoral Process "Sunlight is said to be the best of disinfectants." U.S. Supreme Court Justice Louis Brandeis
Part I: New Legislation Gov. Patrick signed the Act to Improve the Laws Relating to Campaign Finance, Ethics and Lobbying on July 1. The changes to MGL Chapter 55 begin Jan. 1, 2010.
Mayoral Reporting Mayoral candidates in cities with populations between 40,000 and 100,000 will begin reporting electronically with OCPF if they can reasonably expect to raise or spend more than $5,000 in an election cycle. (M101s will still be filed with local election officials, but please forward the form to OCPF)
Posting on the Web Local election officials will begin posting candidate, local PAC and ballot question committee reports on municipal Web sites if $1,000 or more is raised or spent in a reporting period. The statue requires posting reports within 30 days of a reporting deadline. This requirement is mandated only if the town or city has a municipal Web site. Elections officials can post every report from every candidate, if they choose.
Record Retention Local election officials must retain candidate campaign finance documents for six years after an election (the retention period ends on Dec. 31 of the sixth year). All other campaign finance reports must be retained for six years. The current law requires retaining documents only during the term of office sought.
Referral to OCPF Local election officials can now refer violations of the campaign finance law (including non-filers) to the OCPF director, rather than the Attorney General.
Late Fines The penalty for filing late campaign finance reports will increase from $10 a day to $25 a day, with a maximum penalty of $5,000.
Ballot Question Reports Individuals who make direct expenditures of $250 or more to support or oppose a local ballot question must file M22 reports with the local election official. The current law does not require individuals to disclose such expenditures. Ballot question expenditures by individuals are different from contributions that individuals make to organized ballot question campaign committees. In those instances, the ballot question committee is required to report the name and address of anyone who gives more than $50. The contributor has no such requirement.
Independent Expenditures Individuals or organizations that make independent expenditures supporting or opposing candidates in an election will file disclosure reports within seven business days with local election officials if the aggregate amount exceeds $250 in a calendar year. These expenditures are reported on 18A forms, which are available on the OCPF Web site.
Independent Expenditures: 24 Hour Reports If independent expenditures are made within 10 days of an election, preliminary 18A reports must be filed with local election officials within 24 hours. These reports must contain all the information normally required by 18A forms except the monetary total. That amount would be reported on a final report within seven business days.
Legal, Recount, Inauguration Funds This new portion of the campaign finance law, Section 18E, will now require candidates to file disclosure reports for donations for legal, recount and inauguration funds. The statute allows candidates to raise money to defend themselves against a criminal matter, to pay costs associated with a civil matter that is not primarily personal in nature, and to fund legal costs associated with a recount. Candidates can also raise money to pay for inaugural events. Reports will be filed with local election officials by the 5 th day of the month following the month in which donations were received.
Electioneering Communications Electioneering communications identify a candidate but do not expressly ask the voter to support or oppose the person at an election. Electioneering communications can only occur within 90 days of an election. Electioneering communication disclosure reports will be filed locally if the subject is a local candidate. The reports will be filed on paper locally by the group or individual making the expenditure, not the candidates, if greater than $250. The reports will be filed within seven days after making the expenditure. OCPF will create and provide forms for the disclosure of electioneering communications.
Checks to Self No person who is authorized to make expenditures for a candidate, PAC or ballot question committee can sign a committee check payable to himself or herself. The prohibition includes candidates seeking reimbursement.
Referral of Matter to AG The law was changed to allow OCPF to refer cases to the Attorney General up until 120 days before an election and for three years afterward.
Corporate Contributions Limited liability companies, professional corporations and partnerships will be prohibited from contributing to candidates and PACs starting in 2010. For the rest of 2009, such businesses can contribute if the donation is attributed to an individual in the LLC or partnership.
Special Edition Look for the special edition of our OCPF Reports newsletter, our initial attempt at educating those affected by the changes to the campaign finance law.
Part II: Duties of the Clerk Local election officials are the conduits of campaign finance disclosure in municipalities.
Public Disclosure Section 26 Campaign finance reports shall be available for convenient public inspection and copying at the office of the city or town clerk during normal business hours as soon as such statements and reports are filed. Disclosure = The Cornerstone of the Law
Furnishing Blanks, Guides Section 27 OCPF provides blank forms to city and town clerks. Forms can also be printed from the OCPF Web site. City and town clerks transmit the forms to all candidates for nomination or election to city or town office, who are known to him or her, and to all political committees that are required to file. OCPF will provide to all city and town clerks sufficient copies of summary guides for candidates and political committees.
Town Candidate Notification 2011 Annual Election Campaign Finance Report Filing Schedule Town of Winthrop The attached municipal campaign finance report (Form CPF M102) must be filed by all candidates who are seeking office at the November 8th election. This report must be filed with the Town Clerk as follows: PRE-ELECTION REPORT DUE DATE: 8 DAYS PRIOR TO ELECTION (Monday, October 31) by the close of business. Includes all financial activity through Friday, October 14 (10 days prior to due date) POST-ELECTION REPORT DUE DATE: 30 DAYS AFTER ELECTION (Thursday, December 8) by the close of business. Includes all financial activity from Saturday, October 15, through Monday, November 30 (10 days prior to due date) If you do not have a committee and did not receive any contributions, spend any money (including your own) or incur any liabilities in connection with your campaign, you may sign Form CPF M102-0 (available at the Town Clerk's office) for each reporting period in lieu of filing Form CPF M102. ORGANIZATION OF A POLITICAL COMMITTEE If you plan to organize a political committee to support your candidacy, your committee must be registered with the Town Clerk before undertaking any activity. You may register a committee by filing Form CPF M101 (Statement of Organization). Copies are available from the Town Clerk. If you have any questions please consult the enclosed Campaign Finance Guide: Candidates for Municipal Office or call the Town Clerk's office.
Sample Notification Letter Subject: Campaign Finance Report Due Due Date: Monday, October 31, 2011 [eight days before preliminary or general elections/ 30 days after election (for towns)] Dear Candidate or Treasurer: The campaign finance law, M.G.L. c.55, requires you and all other candidates in the upcoming municipal election to file a campaign disclosure report (Form)CPF M102), a copy of which is enclosed. All reports must be filed with this office on or before [due date]. Your report must disclose all campaign finance activity (all funds and in-kind contributions received, expenses paid and liabilities incurred) from the day following the ending date of the last report filed by you through [ten days before due date]. Please ensure that your report is complete before filing. Reports that do not conform with the law cannot be accepted by this office and must be returned to you for correction. Your report must include the candidate's and treasurer's original signatures in ink, and must be received by this office no later than the close of business on [due date]. By law, a postmark is not acceptable. IMPORTANT: The campaign finance law mandates that a CIVIL PENALTY OF $25 PER DAY UP TO $5,000 be assessed personally against the candidate for any report that is filed after the due date and upon referral to the Office of Campaign and Political Finance. In addition, failure to file the report as required will subject you to referral to the Attorney General. If you do not have a political committee organized on your behalf and you have not received any contributions, made any expenditures or incurred any liabilities during this reporting period, and you do not have a previous campaign balance, you may, if you choose, simply sign an M102-0 affidavit form stating those facts. The M102-0 form is available at this office.
Inspection of Reports Section 28 Law requires local election officials to inspect the reports of candidates and PACs within thirty days of the reporting due dates. Ballot question committees and other reports (18As, 22s, electioneering communications) can be inspected within 60 days. If upon examination of the records it appears that any candidate or political committee has failed to file a statement or report as required by law, or if it appears to the clerk that any such statement or report filed with him does not conform to law, the city or town clerk shall, in writing, notify the delinquent person.
Sample Notice Candidate or Treasurer's Name Street Address/P.O.Box City, State ZIP 10-DAY FINAL NOTICE Dear Candidate or Treasurer: As a candidate for municipal office you were required to file a campaign finance report (FORM CPF M102) on or before [DATE REPORT DUE]. As of the date of this letter, our records indicate that this report has not yet been filed. The campaign finance law, M.G.L. c. 55, requires me to notify the director of OCPF if your campaign finance report is not filed within 10 days of receipt of this letter. In addition, in accordance with section 3 of chapter 55, if the director of OCPF determines that a campaign finance report is late the law requires the director to assess a penalty of $25 per day up to a maximum penalty of $5,000for each late report. The penalty is assessed personally against the candidate of a candidate's committee or the treasurer of any other political committee such as a ballot question committee. The penalty may not be paid by the political committee. If you do not file the above ‑ referenced report within 10 days of receipt of this letter this office will notify the director of OCPF as required by law.
Referral to OCPF Section 29 Upon failure to file a statement, report or affidavit within 10 days after receiving notice, the city or town clerk can notify OCPF and furnish copies of all related papers. The director can assess a penalty and may refer the person or committee to the Attorney General. If any statement filed with the city or town clerk discloses any violation of this chapter, the city or town clerk shall notify the director and furnish him with copies of all related papers. The director shall examine every case referred to him and may refer cases to the Attorney General. The Attorney General can institute appropriate criminal or civil proceedings. Any city or town clerk shall at any time upon the request of the attorney general or the director forward any evidence or information received by such clerk to the attorney general or director for whatever action the attorney general or director deems appropriate pursuant to law. See Memo M-94-07
Part III: Ground Rules Public employees Buildings occupied for governmental purposes
Public Employees Direct or indirect solicitations are prohibited Defined as someone employed for compensation, full or part time. Retirees and elected officials are exempt 24-7, nationwide.
Public Employee Dos and Don'ts May not solicit, collect money or sell tickets to a fundraiser. May not host a fundraiser. May not help identify people to be targeted for fundraising. May not serve as treasurers of any political committee. _____ May run for office, provided they organize a committee to handle all fundraising. May contribute to candidates and attend fundraisers. May endorse candidates in ads, letters and postcards. May work for a campaign and serve as members of political committees in a non-fundraising capacity. May host "meet the candidate" sessions that do not involve raising money.
Government Buildings Not Permitted Solicit or receive contributions in a building occupied for governmental purposes. Use a government building as a return address or contact number for buying tickets to a fundraiser. Display posters or fliers advertising a fundraiser. Solicitations to public e-mail addresses.
Part IV: Public Resources An Issue of Fairness Anderson v. City of Boston (1978): Public resources may not be used for political campaign purposes. Examples of Public Resources Phones Copiers E-mailPaper VehiclesEmployee time
About Overrides Acted upon at election only, not town meeting. Placed on ballot by selectmen or city council.
Most Common Applications Mass mailings to voters at public expense (i.e., newsletters). Distribution via student backpacks. Use of government e-mail. Automated phone systems.
Distribution What kind of distribution is a problem under Anderson? Unsolicited. Publicly funded. Deals with election issue.
Permissible Distributions Distribution of information that is requested by the public. Notification of an upcoming election (restricted to date, time, place and "brief neutral title"). Speech vs. actions: Discussion of ballot question is not limited. See IB-91-01
Permissible Actions of Officials Take a position on a ballot question. Prepare material concerning the impact of a ballot question in the course of their duties. Hold public meetings and forums concerning a ballot question. Distribute material at those meetings as well as to the public upon request. Speak to the press concerning a question. Work for or contribute to a ballot question committee. See IB-92-02
Equal Access SJC: Political use of "city facilities, equipment and supplies" was improper, "unless each side were given equal representation and access." Two most common occurrences: Use of facility for committee meetings. Flier distribution by BQ committees.
Use of Public Web sites Public Web sites may be considered an electronic bulletin board. Posting of material is considered more passive than the distribution prohibited by Anderson. Ballot question information may be posted. Such material may also include advocacy. Website should not take on the appearance of a campaign site (e.g., flashing banner requesting a Yes or No vote).
Part V: Reporting M102 Money In Money Out
Receipts Candidate Campaigns Contributions over $50 must be in the form of a personal check or credit card. $500 annual limit from individuals and PACs. Contributions greater than $50 must be itemized. Contributions of $50 or less can be disclosed as a lump sum. Records must be kept for every dollar received $25 aggregate limit for minors. Occupation and employer required at $200.
Corporate Contributions State law prohibits corporate contributions to candidates, PACs and party committees. BQ committees may accept corporate contributions. If a corporation donates a service, such as the use of a function room, the campaign committee must pay the corporation for that good or service. Starting in 2010, LLCs and business partnerships will also be prohibited. Sole proprietorships will not be restricted.
Receipts Ballot Question Committees: Individuals and corporations may contribute without limit to ballot question committees. Local PACs: Same limits and reporting requirements as candidate committees.
Expenditures Candidates can spend money to enhance their political future. No spending limits. The use of campaign funds primarily for personal purposes is prohibited. Expenditures in excess of $50 must be itemized. Expenditures $50 and under can be disclosed in a lump sum. Municipal candidates can spend out-of-pocket and get reimbursed.
Out-of-Pocket Expenditures Candidates in city and town elections can contribute or loan personal money without limit to their own campaigns. If a candidate spends his or her own personal money to buy services or goods, the amount spent would be recorded in the receipts portion of the campaign finance report (Schedule A) as a contribution to the campaign from the candidate. The same dollar amounts would be recorded on the expenditures page (Schedule B) and would show as an expenditure to the vendors. This procedure balances the account, showing money going into the account and the same amount going out to a vendors. If a candidate hopes to be paid back by the campaign, the contributed amount should also be listed on the liabilities schedule (Schedule D).
In-Kind Contributions Items of value, other than money, given to a campaign committee. Ordinary hospitality, membership communications and personal services are exempt.
Filing Deadlines In communities with spring elections, such as towns, candidates and committees (including ballot question committees) file two campaign finance reports, due eight days before and 30 days after the election. In communities with November elections, such as cities and some towns, three reports are usually filed, due eight days before both the preliminary and final elections and on the following Jan. 20. If there is a preliminary election, all candidates file, even if their particular races are not on the ballot until November. All candidates and active committees file year-end reports each Jan. 20.
Reporter Software Local candidates can download Reporter software for free at www.mass.gov/ocpf www.mass.gov/ocpf Does the math. Stores data. Creates legible paper reports.
Common Errors Correct dates. Math errors. Negative balances (only possible if the account is overdrawn). Signatures (original signatures are required).
OCPF's Public Outreach You are welcome to call us Local election officials are encouraged to contact OCPF if they need any further information on the campaign finance law and its application to campaigns and candidates. You may also visit our Web site to download forms, guides and other information. OCPF staff are available to conduct seminars for political committees, candidates and local election officials. Contact us to schedule a seminar. 617-979-8300 www.mass.gov/ocpf
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5 Word Love Sayings
Love does not claim possession, but gives freedom.
Rabindranath TagoreFour be the things I'd have been better without: love, curiosity, freckles and doubt.
Dorothy ParkerWhere there is great love, there are always miracles.
Willa CatherI don't want to live. I want to love first, and live incidentally.
Zelda FitzgeraldNo matter what you've done for yourself or for humanity, if you can't look back on having given love and attention to your own family, what have you really accomplished?
Elbert HubbardWhat greater gift than the love of a cat?
Charles DickensPraise or blame has but a momentary effect on the man whose love of beauty in the abstract makes him a severe critic on his own works.
John KeatsLook your best--who said love is blind?
Mae WestLove thy neighbor--and if he happens to be tall, debonair and devastating, it will be that much easier.
Mae WestHatred does not cease by hatred, but only by love; this is the eternal rule.
BuddhaI firmly believe that if you follow a path that interests you, not to the exclusion of love, sensitivity, and cooperation with others, but with the strength of conviction that you can move others by your own efforts, and do not make success or failure the criteria by which you live, the chances are you'll be a person worthy of your own respect.
Neil SimonLove is two minds without a single thought.
Philip BarryLove at first sight? I absolutely believe in it! You've got to keep the faith. Who doesn't like the idea that you could see someone tomorrow and she could be the love of your life? It's very romantic.
Leonardo DiCaprioFriendship is constant in all other things, Save in the office and affairs of love.
William ShakespeareSo long as we love, we serve; so long as we are loved by others, I should say that we are almost indispensable; and no man is useless while he has a friend.
Robert Louis StevensonNowadays love is a matter of chance, matrimony a matter of money and divorce a matter of course.
Helen RowlandThe most precious gift we can offer others is our presence. When mindfulness embraces those we love, they will bloom like flowers.
Thich Nhat HanhA man in love is like a clipped coupon -- it's time to cash in.
Mae WestIntense love does not measure; it just gives
Mother Teresa of CalcuttaIn love, at one of its poles you find the personal, at the other the impersonal. At one you have the positive assertion - Here I am; at the other the equally strong denial - I am not. Without this ego what is love? And again, with only this ego how can love be possible?
Rabindranath Tagore

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text: DIANA-miRGen v3.0: accurate characterization of microRNA promoters and their regulatorsGeorgios Georgakilas, Ioannis S. Vlachos, Konstantinos Zagganas, Thanasis Vergoulis, Maria D. Paraskevopoulou, Ilias Kanellos +5 othersNucleic Acids Research2016microRNAs (miRNAs) are small non-coding RNAs that actively fine-tune gene expression. The accurate characterization of the mechanisms underlying miRNA transcription regulation will further expand our knowledge regarding their implication in homeostatic and pathobiological networks. Aim of DIANA-miRGen v3.0 (http://www.microrna.gr/mirgen) is to provide for… (More)


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Wind down for the weekend
Date: 24th Mar to 1st Dec 2017
Wind down for the weekend with our Fabulous Friday offer.
De-camp to the wilds of Dartmoor for the weekend, take in a show, tour the local gardens and National Trust properties, join in a local parkrun, or simply kick-back, relax and do nothing!
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* Upgraded room options subject to availability, complimentary upgrades where available
* Add a dog for £10 per night
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Published byShawn Milbourne Modified over 2 years ago
Year 11 Biomechanics The study of forces and their effects on the human body
Characteristics of motion Linear motion - Motion that occurs is a straight line. All parts of the body move in the same direction and at the same speed (e.g. jumping up in the air to catch a ball or travelling in a car). Line out jumper in Rugby Union Drag Racing
Characteristics of motion Angular motion - Motion that occurs around an axis. This axis can be internal (e.g. body parts rotating around a joint) or external (e.g. spinning a ball on your finger). Spinning a ball on your finger Spinning figure skater
Characteristics of motion General Motion - A combination of linear and angular motion. This is the most common of all movements, as most human movement requires the rotation of body parts around joints (e.g. cycling, swimming and running).
Characteristics of motion Apply your knowledge! - Classify the following physical activities as linear motion or angular motion or general motion. 1. Sprinting 2. Rebounding a basketball 3. Driving a car 4. Tossing a underhand ball in basketball 5. Horse riding 6. Lawn bowls
Check your answers 1. Sprinting – General 2. Rebounding a basketball - Linear 3. Driving a car - Linear 4. Tossing a underhand ball in basketball - Angular 5. Horse riding - Linear 6. Lawn bowls - Angular
Balance & Stability
Balance and Stability Balance and Stability is important during sporting performances. Being stable allows you to put more force into a movement and complete the movement with control
Centre of gravity Centre of gravity can be defined as the single point at which all parts of an object are equally balanced. For a normal human being standing upright, their centre of gravity lies around the area of their navel. A persons centre of gravity can change depending on their body position because as mentioned before, the centre of gravity is the exact point where all parts of an object are equally balanced. The centre of gravity can also lie outside an object, especially if the object is bent over or leaning in a certain direction
Centre of gravity (C.O.G) = Centre of gravity Centre of gravity for a normal person
Centre of gravity Centre of gravity for a person whose hands a stretched in the air = Centre of gravity
Centre of gravity (C.O.G) Centre of gravity outside of a persons body = Centre of gravity
Box Method How can we measure C.O.G? Answer: We use the Box method 1. Draw a box around an image 2. From opposite corners draw a line, until an X is formed 3. Where the lines cross is the C.O.G. Example C.O.G
Line of gravity - The line of gravity is important when determining the stability of an object. Line of gravity is the vertical line that passes through the centre of gravity to the ground. If the line of gravity falls within the objects base of support (i.e. its contact with the ground), the object is relatively stable. If the line of gravity falls outside the objects base of support (i.e. its contact with the ground), the object is relatively unstable.
Line of gravity Centre of gravity STABLE Centre of gravity UNSTABLE Line of gravity
Base of support – The object on the left is more stable because of its relatively larger BOS BOS is the area within an objects point of contact with the ground. The larger the area the base of support covers, the more stable an object will be. Wide BOS Narrow BOS BOS
Line of gravity, BOS in relation to movement The line of gravity (LOG) must go outside the base of support to initiate or continue movement. The direction that the line of gravity takes relative to the BOS will be the direction of the resulting movement. The further away the LOG is from the BOS, the greater the tendency the body has to move in that direction. E.g. Evasive running. Line of gravity Leg pushes against the ground Top of body moves towards LOG Direction of movement Base of support
Centre of gravity, Line of gravity, Base of support and Physical activity Apply your knowledge! - Label the following images with the COG, LOG and BOS. - Is the performer stable?
Centre of gravity, Line of gravity, Base of support and Physical activity
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My husband and myself( along with our Daughter and Partner) stayed at the Sheraton for 3 nights during out trip to Hong Kong.
We caught the complimentary shuttle bus from the port, arriving approx 2 hours before the stated check-in time. I was very pleased that our room was ready early and we quickly checked-in. My Daughter and her Partner were also staying for the 2nd two nights and I was very impressed that the receptionist arranged their room at the same time as I booked in, ensuring that their room was very near to ours. We found all the staff very friendly and helpful, the concierge went out of her way to help us with directions and came with us to the taxi to inform the driver of the restaurant address,
The room was a really good size ( infact it was bigger than my Daughters 2 bed HK apartment !! ). We had 2 queen size beds that were so comfy, it was very clean and slippers and gowns were provided.
The bathroom contained everything you could require, and was also very spacious.
The pool areas were excellent, plenty of chairs and quiet areas where you could sit, there were also cabanas which came in very handy when it rained a little.
The shopping mall was really fun to look around, and being attatched to other hotels by a walkway gave us easy access to explore further.
When we return to Macau we will certainly stay at this hotel.
- Official Description (provided by the hotel):
- Sheraton Grand Macao Hotel, Cotai Central is the largest hotel in Macao with 4,001 well-appointed guestrooms and suites. It is also Starwood Hotels & Resorts' largest hotel and Sheraton Club worldwide. Spread over two towers ('Sky' and 'Earth'), Sheraton Grand Macao Hotel, Cotai Central offers three signature restaurants, a lively lobby lounge, extensive function space, Shine Spa for Sheraton, three outdoor swimming pools and a new holistic approach to fitness with Sheraton Fitness. With its central location, modern facilities and friendly world-class service, Sheraton Grand Macao Hotel, Cotai Central is your ideal choice to experience the diverse and colorful culture of this unique city. ... more less
- Reservation Options:
- TripAdvisor is proud to partner with Booking.com, Ctrip TA and Starwood APAC so you can book your Sheraton Grand Macao Hotel, Cotai Central reservations with confidence. We help millions of travelers each month to find the perfect hotel for both vacation and business trips, always with the best discounts and special offers.


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Piglet Layette Pyjamas and Slippers Baby Set
Item no. 4041046100270M
FREE SHIPPING on orders over £50
Little ones will dream of Hundred Acre Wood adventures in this adorable Piglet pyjama set! Featuring cute Winnie the Pooh artwork, it includes a frilled top, leggings and plush Piglet slippers.
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This November, discover the people, culture and history of Cuba, with two new voyages set to take you there. Each one with a signature overnight in Havana so you can really explore the local life in this vibrant, colorful city.
STAY longer. EXPERIENCE more.
See the world #AzaLocal
Use #AzaLocal on Twitter and Instagram to share your photos with us!
Hover your cursor over a photo, and click to enlarge.
See the amazing travel moments that transpire when you stay longer and experience more.


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Bibliographic Details
Title: Rsx.vol32-188/2014 : analyse de donnees ...
Publication Date: 2015
Book Condition: New
New. Free USPS tracking number for US destinations. This item is shipped from France. Bookseller Inventory # 2707183342-9782707183347
Payment Methods
This bookseller accepts the following methods of payment:
AbeBooks Bookseller Since: 16 December 2015
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We accept returns up to 30 days after reception of the item. DVD, CDs, Blu-rays must be unopened (please pay attention to the region of the item)
We deliver in the US within 2-3 weeks.
Store Description: Dear customers, we are at your service if you have any questions. We hope you will enjoy the item(s) you receive from us. Best regards, Mike


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Jumpstart Your Initiative, You Have Waited Long Enough
We all have a desire to "make a difference"; to make improvements in our lives (may be even others lives). Yet, for a various reasons, when it comes to taking initiative many people face a magnitude of challenges.
I bet you already have what it takes to get yourself moving, but chances are there are some barriers that are inhibiting your progress. Given below are some worthy points on intensifying your initiative, from the book, Personal Brilliance, Mastering the Everyday Habits that Create a Lifetime of Success.
You don't have to be inspired to begin
It's a common belief that you have to be inspired about a project or idea to get it going. Of course, being inspired can help a lot. Inspiration and initiative are a little like the controversy over whether the chicken or the egg comes first! Do you agree?Give yourself permission to move forward
If you know that you have a good idea or a plan that will work, give yourself permission to move forward with the plan. Waiting for others to join you in your initiative can slow the wheels of innovation and drag out the process. As you build momentum, others will naturally want to jump on board.Meaningful motivators feed initiative
If you don't have a good reason to accomplish a particular goal, you probably won't do it. Compelling reasons are the fuel that initiative needs to grow and thrive.What are your compelling reasons?
Shorten the time line between your idea and your first action step
Many people have the tendency to put off that first step in favor of conducting more research, increasing their education, and basically trying to learn everything they need to know before they begin.If toddlers viewed the idea of standing up and walking the way many adults approach
taking a first step, most people would still be crawling!
Live by your word
People who accomplish what they set out to do, keep their word to themselves and to others. Make a firm commitment to yourself that you will keep your promises, no matter what.The only permissible exception is your being truly too sick to get out of bed. Without living by such a strict standard, our lives can become a series of justifications and rationalizations.
Is initiative something you struggle with as well? Or does it come naturally?
Related Posts
- 31 Ideas To Escape The Monotonous Daily Routine
- Who's Pulling Your Strings?
- Are You Constantly At The Mercy Of Circumstances?
- 6 Sources Of Procrastination
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Guest reviews
Overall Rating
7.5 Good
Based on 61 reviews
6.7 "Service is ok."
1.8 "Awful rooms."
Recent Reviews
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The small and simple Hotel-Pousada Vento Sul features a charming breakfast area as well as cozy guestrooms and a convenient located in downtown Rio Grande. Guests are provided with wireless Internet access and a laundry facility as well as guestrooms that have a ceiling fan or air conditioning.


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Human Resources and Security Specialists should use this tool to determine the correct investigation level for any covered position within the U.S. Federal Government.
Visit this federal site to search for our regulatory notices, proposed and final rules.
See the latest tweets on our Twitter feed, like our Facebook pages, watch our YouTube videos, and page through our Flickr photos.
On March 16, 2011, the National Council on Federal Labor-Management Relations met to discuss the progress agencies are making on establishing their labor management forums, implementing their collective bargaining pilot projects, a new training tool to educate Federal employees, managers, and union officials about the Executive Order, and to share success stories from DHS, USDA, and OPM. Scott Gould (VA), listens as a presentation is given. USOPM Photo By: Timothy Grant 3/16/1


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Is this attraction popular with tourists?
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Is this attraction a good picnic spot?
Is this attraction good for big groups (greater than 5)?
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Thanks for helping!
It's not a wild ride; but, it's a cool one. A unique, city operated, staffed elevator that is one of only 4 municipal elevators in the country. It is also the only vertical street... read more
It's not a wild ride; but, it's a cool one. A unique, city operated, staffed elevator that is one of only 4 municipal elevators in the country. It is also the only vertical street in America: Elevator Street. It has cool mid-century design and should not be missed while visiting Oregon City.
Elevator is a funky local icon with good views and short area history, nice walking trail on top (with Still House Pub at the end about 1/4 mi). Once on top there's an interesting river view of old industry and Willamette Falls.
Centered in an important historical area. Views of the Willamette are great. The elevator is hydraulic and the toilets don't flush in the neighborhood while the elevator goes up. Just the houses in this neighborhood were the end of the Oregon Trail.
Take your time and read about the history. This is really cool. Take the stairs back down. Walk the trail at the top. This never gets old.
We have taken the elevator yearly to see the beautiful view. The historical paintings are very interesting. We always enjoy walking the promenade at the top.
I always park above and ride the elevator down when I shop or go to restaurants in downtown Oregon City. Parking can get quite congested downtown, but up on the bluff it's pretty stress-free. Most everything is within easy walking distance. The views from the observation area and along the promenade are spectacular.
A fun thing to do with kids. The view is great at the top!! A little bit of history for all to see for free.
The Oregon City Municipal Elevator is access literally from uptown to downtown Oregon City and it has a great view of the historic downtown from Singer Hill. Oregon City has many historic areas to visit, from Willamette Falls to the Old OC Arch Bridge and a view if it from the elevators enclosed viewing area would be one not to... More
A quick little ride but fun to see the view at the top and the walk to the falls isn't far. Love the elevator attendant.
I've passed this landmark in Oregon City many times and decided to see what it was all about. Parking was easy and the elevator is free! The views are special and the most interesting part was the photos lining the walls of the observatory. They each have a present day photo which changes if you move slightly to a back... More
Own or manage this property? Claim your listing for free to respond to reviews, update your profile and much more.
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Promotional Products | Raleigh, NC
Promotional Products Keep Your Brand in Front of Your Clients & Prospects
The use of promotional products increases awareness of your brand identity and keeps your business top of mind with your customers. The distribution of branded items offers the opportunity to connect personally with your client, present a gift that usually fits well within the guidelines of most company policies, and is tax-deductible as a marketing expenditure. The secret to effective use of this strategy is choosing quality products thoughtfully and branding them with care. At Precision Marketing Partners, our aim is to help clients based in Raleigh, NC, and surrounding areas maximize your business marketing plan, using a variety of tried and tested methods. Our methods apply to veterinary marketing, doctors' marketing, lawyer marketing and other service-based business marketing.
Developing a Promotional Campaign
Developing an effective promotional campaign requires careful strategic planning and implementation to realize a return on your investment. We can help you define the goals and objectives of your campaign, and create a distribution plan geared toward reaching your target audience. We'll help you select promotional products for your giveaways that relate to your product or service, create a central theme and develop a promotional message that supports your marketing strategy. We'll be there to help as you develop a budget for your campaign, find the right promotional product supplier(s) and plan promotional events in and around Raleigh, NC.
Benefits of Using Promotional Products
- Offers visibility to your business
- Builds brand identity and recognition
- Cost-effective marketing technique compared with traditional advertising
- Directly targets your most important existing and potential clients
- Enables personal contact with your clients for a non-sales purpose
- Is the ideal accompaniment to a product launch strategy
- Can delight your clients and give your business favorable standing with them
Value Proposition
Recent research identified that 6 in every 10 people develop a positive impression of a company from whom they receive promotional products. The same study showed that 8 in every 10 clients who receive such gifts are likely to consider doing future business with the giver, and that one year after receipt, 7 in 10 were able to remember the brand on the promotional items they received. This evidence supports our view that promotional products are a cost-effective marketing strategy for any business.
Contact us today to find out how you can improve the veterinary marketing of your firm.
Choosing the Right Promotional Products
Choosing the right products is vital when it comes to making the most of your giveaways. The items you select should be functional or attractive enough to make your clients want to get and keep them. They should also be relevant to your product or service in some way.
For example, a promotional product as part of a veterinary marketing strategy may include a branded water bowl for a pet, while a company in the construction and home renovation business could select a branded key holder. A provider of IT support services might choose branded flash drives to give customers. Promotional products for tourism services could make use of area-specific items, such as desk calendars showing scenic photographs of North Carolina.
As long as the item is useful, your customers keep using them and your advertising message or brand is consistently reinforced or reintroduced.
Types of Promotional Products
There are many types of promotional products to choose from, but business owners with unique product or service offerings may do better by identifying their own less common giveaway items. Standard giveaways range from pens and leather writing folders to business card holders, cellphone accessories, T-shirts and other corporate clothing. As branding experts, we believe that low-cost, gimmicky items such as baseball caps and lapel pins are typically suitable only for mass giveaways at public events, while higher-quality items are reserved for personal gifting to important clients. Higher-priced gifts such as signature ink pens and sets of crystal wine glasses are ideal for senior client representatives such as CEOs and directors.
Trade Show Giveaways
Participating in trade shows is a great way to bring your company and products to the attention of your target market. The difficulty is that businesspeople attending these shows see such a wide range of items that it becomes impossible for them to recall them all. Having useful promotional products to give away at your trade shows in Raleigh, NC, or other cities is a surefire method of reminding potential customers who you are and what you can offer them. Include your contact details on the giveaway so they have easy access to your information.
Getting Started
Contact us to discuss your custom promotional product requirements and enjoy the benefit of our years of expertise in marketing strategy, coupled with an intimate knowledge of the marketplace of Raleigh, NC. We'll help you build a successful, cost-effective marketing program that will bring the return on investment your business needs.


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The members of the National Association of Therapeutic Schools and Programs (NATSAP) provide residential, therapeutic and/or education services to children, adolescents and young adults entrusted to them by parents and guardians. The common mission of NATSAP members is to promote the healthy growth, learning, motivation, and personal well-being of program participants. The objective of member therapeutic and educational programs is to provide excellent treatment for program participants; treatment that is rooted in concern for their well-being and growth; respect for them as human beings; and sensitivity to their individual needs and integrity.
From its inception, NATSAP has strived to develop guidelines for ethical principles and principles of good practice. These principles are highlighted below and can be viewed by clicking on the title. Ethical Principles and Principles of good Practice As the first order of business, ad hoc committees, comprised of leaders in the industry, were formed to develop guidelines for Ethical Principles and Principles of Good Practice. Many of the accreditation requirements of the Joint Commission on Accreditation of Health Organizations for residential care of adolescents served as a foundation for the development of NATSAP's Principles of Good Practice. Behavior Support Management In 2003-2004, a committee was formed to develop guidelines for the Behavior Support Management in Therapeutic Schools, Therapeutic Programs and Outdoor Behavioral Health Programs.
Best Practices in Academics In May 2004, the Education Committee came together to develop the guidelines which focused on the best practices in the academics of our therapeutic boarding schools.


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Top Definition
A sex tap made by a sneaky friend. It's usually a low-quality film captured by a cell phone.
Guy 1: Man, did you see that girl I brought home from the bar last night? I slayed her on your couch.
Guy 2: Yeah, I made a ninja porno of you with my Iphone.
Guy 2: Yeah, I made a ninja porno of you with my Iphone.
by double d indy
December 11, 2009
The Urban Dictionary Mug
One side has the word, one side has the definition. Microwave and dishwasher safe. Lotsa space for your liquids.
Buy the mugThe Urban Dictionary T-Shirt
Smooth, soft, slim fit American Apparel shirt. Custom printed. 100% fine jersey cotton, except for heather grey (90% cotton).
Buy the t-shirt


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Results: 4Comments by: finatos |
File: LoseControl09-16-12 |
It had been a daily quest to refres...
Posted By: finatos
It had been a daily quest to refresh this page for nearly two weeks.
Thanks for the update,I can hardly continue the game without this awesome addon.
File: rMinimap11-23-10 |
While using the dungeon finder,the...
Posted By: finatos
While using the dungeon finder,the dungeon icon appears out of the wheel.Is there a way to put the icon on the wheel just like the other buttons?
File: iMouseover10-29-10 |
Good addon.
Posted By: finatos
It works perfectly with roath action bar since nmainbar broke in 4.01.
File: bdActionbars08-18-10 |
how to move totem bar?
Posted By: finatos
I am a shaman player,but I can not move the totem bar while using this addon.Can somebody help me out?


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Just announced! Check out this great sweepstakes with PSA Essentials. Enter for a chance to win a huge prize pack from PSA Essentials including:
- 1 Personalized Self-Inking Stamp
- 2 Packs of Stampable Stationery
- 1 Two-Color Ink Pad
- 2 Peel & Stick Packs
- 1 Alignment Tool
- and FREE SHIPPING to receive it all at your doorstep!
Enter now> http://bit.ly/hellospringsweeps
Contest ends 3/24/14. Good Luck!
As seen on Hypersweep.com!


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Samurai Jack Intro - Remake Latino
Samurai Jack Opening remake by latin animators
4.39 / 5.00 7,369 Views"Waltz of the Forest"
Performed by Final Boss
Vocals by Kirbopher
Rapping by ShadyVox
Opera by MusicalMike
Arrangement by Psyguy
"Rawest Forest" by Martin Hagwell
"Geno's Forest" by XBrav
"Beware the Forest Mushrooms" by Yoko Shimomura
Back in 2007, the last Flash animation I did as I was graduating High School and entering College was a music video based on "Super Mario RPG: Legend of the Seven Stars" for the Super Nintendo, a game that I have over a decade of history with. Yoko Shimomura's music is a huge part of what's so amazing about this game, "Beware the Forest Mushrooms" (theme of the "Forest Maze" stage) being one of her most highly regarded compositions. DJ XBrav created a lyrical version of the song that took the internet by storm many years ago, evolving into a meme that fans of the game all know and love. Martin Hagwell later remixed this into the popular "Rawest Forest" song, which I later used as the song for the music video that has now received millions of views in the past several years.
Today, as the last Flash animation I'm doing as I graduate College and enter into the rest of my life: Myself, Blake "ShadyVox" Swift, Bryon "Psyguy" Beaubien and Musical Mike Patterson, have joined forces to bring you a new version of the popular Forest Maze composition from Super Mario RPG, paying tribute to both XBrav's and Marta's remixes as well as Yoko Shimomura's original piece. This animation was done over the course of two weeks, as opposed to the original music video that was finished in one week. I crammed in as many geeky references in there as I possibly could to show my appreciation for this amazing game and I hope everyone who's ever played Super Mario RPG will get a big smile in remembering all the fun stuff from Mario and company's adventures. Big thanks as well to my creative partners that helped in making this song and everyone who supported me during the animation process.
Follow Geno's route there!
You sir, have just won the game.
I don't know what to say about this video. Sure, it could've been animated better in the beginning, but this was amazing, and made me want to play Super Mario RPG! (For the first time, I may add) So, wow! I praise you.
9 character word for awesome: This song
I gotta say, I thought the original remix of this song was pretty good, but I always felt it was missing something I couldn't put my finger on. Whatever it was, this song added just that. I feel it flows a lot better and I could listen to this for hours. Kick ass job once again


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Subcategory: Other
Model: 6012 - 45
Buildings/Bins, Farm Buildings (4000) in Hague, SK
All aviation, commercial and farm, post & stud frame buildings on sale! Standard and custom sizes available. Door options include bi-fold, overhead and sliders. Book early to receive free delivery!!
View on Western Producer
Tillage/Harvest/Spraying, Air Drills (4250) in Vilna, AB
40', 12" with 430 bu, 1910 commodity cart, exc. cond.
View on Farmzilla
Tillage/Harvest/Spraying, PT Sprayers (4238) in Richmound, SK
120' booms, 4 sections, 3 way nozzle bodies, wind skirts, rinse tank, induction tank, foam marker, SP 655 monitor, 480/80R38 tires at 85%, $20,000.
Tillage/Harvest/Spraying, Air Drills (4250) in Southey, SK
DS, 12" spacing, Dutch 3" side band openers, 3" packers, TBT Flexi-Coil 2320 tank. [email protected]


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Which jobs am I eligible to apply for?
Understanding how the federal government determines your eligibility and the types of positions available is an important first step in understanding what job opportunities you can apply for. Each job opportunity announcement will state: Who may be considered, Who may apply, or define an Area of Consideration.
Federal agencies typically seek candidates from one of the three following eligibility categories:
1. New candidates
Candidates who are new to the Federal Government and have no prior federal employment.
2. Unique hiring paths
Candidates who fall under unique hiring paths and qualify for a special non-competitive hiring authority established by law or executive order.
These targeted segments of the population include:
- Individuals with Disabilities
- Military Spouses
- Students & Recent Graduates
- Veterans
- Peace Corps & VISTA alumni
In addition, current or previous employees of the Government of the District of Columbia or the United States Postal Service may also be considered "status" candidates. Select one of the above paths for more information.
3. Career appointment
Candidates who have current or previous federal employment experience, also known as "status" or "career appointment". Status applicants are current or former federal civilian employees who hold or held non-temporary appointments in the competitive service, not the excepted service.
Status applicants may be eligible for the following under merit promotion procedures:
In addition, certain veterans eligible under the Veterans Employment Opportunities Act (VEOA) may also apply and be considered under vacancy announcements limited to status applicants.


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I love beauty of things, beer, wine and coffee. Balance be surrounded by nature and sometimes feel that I belong from a civilization, for me is crucial. Why? Because living in a city located at the Brazilian Amazon Forest, is inpiring and challenging
Make something awesome
Welcome back.
Don't have an account?Join


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All new Episodes and Movies will now become available for free, with NO ADS on youWatch.pro, take a look!
Penny Dreadful S01E03
Watch Online Penny Dreadful: Season 1 Episode 3 (S01E03) Stream |
Plot: A flashback reveals Victor Frankenstein's motivation for delving into the questions of life and death. Flashbacks also show the history of Victor's "first-born". The Creature was born in a state of unending agony and Victor fled, rejecting his creation. It eventually came into contact with actor Vincent Brand who gives him a job working with the stage equipment and rigging at a theater. He has a very particular request for his maker - a female companion.
Video Links
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Request number | Summary of request | Disposition | Number of pages disclosed |
ATI 2011-011 | A copy of the original grant application and any associated available documentation for the following study: Title: Capacitor failure modes study. Competition Year: 2010, Fiscal Year: 2010-2011, Name of Person: Wen, John, Institution: University of Waterloo, Department: Mechanical Engineering and Mechatronics, Province: Ontario, Award: Amount $25,000, Program: Engage Grants Program, Selection Committee: Ontario Internal Decision Committee, Research Subject: ELECTRICAL and ELECTRONIC ENGINEERING: Energy conversion and distribution. | Disclosed in part | 73 |
ATI 2012-015 | A list of successful application proposals concerning research that involved laboratory experimentation using non-human primates (monkeys) in NSERC funded projects from 2010-2012 | All Disclosed | 1 |


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Looking for Xoops expert need Workers or Work?
Need help with Xoops expert need? Hire a freelancer today! Do you specialise in Xoops expert need? Use your Xoops expert need skills and start making money online today! Freelancer is the largest marketplace for jobs in the world. There are currently 17,764 jobs waiting for you to start work on!
I Want to Hire I Want to Work


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A WIRED's exclusive look at how Facebook will beam the internet with Aquila, a stratospheric solar-powered drone equipped with millimeter wave communications technology
A WIRED's exclusive look at how Facebook will beam the internet with Aquila, a stratospheric solar-powered drone equipped with millimeter wave communications technology
The James Webb Space Telescope will be the largest telescope ever sent into space. It is the result of efforts from NASA, the European Space Agency and the Canadian Space Agency and will peer to the edges of the visible universe. This video highlights some of the Webb's most impressive facts…
Ultimaker is proud to announce the Ultimaker 3; the most industrial-grade desktop 3D printer available. With its reliable dual extrusion and material-matching swappable print cores, professional 3D printing is made accessible
Discover which features make the Ultimaker 3 the most industrial-grade desktop 3D printer available. Learn more about the Ultimaker 3 here: http://ultim.kr/2efgJMZ
The KiraVan is meant to be the ultimate exploration vehicle—a 'Swiss army knife on wheels.' A pet project for designer Bran Ferren, who named the van after his daughter Kira, the KiraVan also acts as a test bed for travel tech and vehicle engineering
A video from CERN showcasing technical student opportunities!
The bees are dying. By putting micro-sensors on bees and Intel Edison technology in their hives, one of the world's greatest minds is hoping to save them from extinction
SpaceX successfully lands its rocket on a floating drone ship for the first time! And here is the video:
What will the production world of the future look like? How will humans and machines communicate with each other? A well made but old (produced 2012) concept video!
New Shepard flew again on April 2, 2016 reaching an apogee of 339,178 feet or 103 kilometers. It was the third flight with the same hardware. Engineers pushed the envelope on this flight, restarting the engine for the propulsive landing only 3,600 feet above the ground, requiring the BE-3 engine to start fast and ramp to high thrust fast


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December 16, 2016: I was recently at a strategy meeting where we discussed reaching out and providing service to our customers or constituents. As the discussion continued, it appeared that we broke down our plan using generational categories. The Millennial was thought to be self-absorbed and impatient, while very tech savvy. The Boomers were thought to be hard working, loyal, and more set in their ways. Should we really stereotype each generation to make decisions on how to serve our customers? [Read the entire blog here]
Author: STC Editor
President's Blog: Communication for Change
November 9, 2016: Well, that was quite an election cycle with shocking results for many. So, where do we go from here? How do we take what has been a divisive environment and unify a country to set sights on a clear vision for the future? Or can we? Are we talking transformation here or will it be business as usual? [Read the entire blog post here]
President's Blog Post: Experience versus Satisfaction
I've read a few articles recently that talked about patient experience versus patient satisfaction and how we need to change our survey methods to match and trend those qualities in health care. Are we splitting hairs here? In one of the articles, it breaks down in two columns the alleged difference between the two. I ponder whether or not the patient distinguishes between satisfaction and experience… [read the rest of the blog here]
President's Blog Post: VIP Health Care
I read an article recently entitled, "VIP Syndrome can be a risk in caring for stars." It talked about the death of Prince and Michael Jackson, and how special medical care put them in a position to depend on treatment that was considered outside the standard of care and dangerous. Most had to do with the treatment of pain, but it mostly concerned the prescribing and delivery of pain medication such as fentanyl, and the anesthetic propofol, used in Michael Jackson's case to ease his pain and help him sleep. [Read the full blog post here]
2017 Proposed Slate of Officers/Directors
2017 PROPOSED SLATE of New STC-ACHE4
Here is the proposed slate of officers and directors, starting their terms in 2017. If you wish to nominate anyone for the positions listed, please follow the instructions on the bottom of the attachment. Contact us if you have any questions!
President's Blog Post: Diversity and Inclusion
Today, I sat through a webinar on Diversity and Inclusion. There were two chapters that touted their successes in this area of health care. If you haven't heard or read, there are two new communities in the ACHE forum. They are the Asian and LGBT communities. At first I read that membership had to join one of these communities. I inquired and ACHE Corporate said that it wasn't a requirement… [Read the full blog post here]
STC-ACHE Graduate Student Scholarship Opportunity
Our annual scholarship application period is open! Applications are due by October 31, 2016. See our Awards page for details and to download the application.


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The six federal agencies tasked with coming up with a definition of a Qualified Residential Mortgage (QRM) have floated another proposal — one that would essentially do away with the QRM definition altogether.
To understand what that means, we need a bit of background, which economist Bill McBride was happy to give, and which I will happily translate.
When it was created, the Dodd-Frank Act had two goals (among others):
1. Protect consumers from predatory lenders
2. Protect investors (notably taxpayers) from unknowingly buying risky loans
Originally, Dodd-Frank was going to accomplish #2 by requiring that lenders keep some "skin in the game" — five percent of their loans would have to be on their own books.
But the mortgage industry pointed out that it would be a good thing if some loans were exempt from that five-percent-on-the-books requirement. Some loans were clearly solid enough that no skin in the game was required, it argued.
The legislators agreed, and thus Dodd-Frank sort of added a third goal:
3. Allow lenders to sell 100 percent of super-safe loans to investors (usually Fannie and Freddie)
That in mind, Dodd-Frank created two different loan standards.
To meet goals #1 and #2 (protect consumers and investors), there were qualified mortgages (QMs) defined by the Consumer Financial Protection Bureau. QM is based on borrowers' ability to pay, and gives lenders a list of things they must do (e.g., keep fees low, verify borrower information, keep debt-to-income levels low, etc.).
To meet goal #3 (give lenders more flexibility), Dodd-Frank also created qualified residential mortgages or QRMs, which would be defined by six federal agencies. Instead of focusing on borrowers' ability to pay, QRM loans had to meet other standards (such as a lower debt-to-income ratio) that "historical loan performance data indicate result in a lower risk of default."
Sounds similar, right? I mean, if a borrower has the ability to pay, the chance of default must be low, right? Well, not necessarily. QRM rules were supposed to go further to protect investors; the most famous suggestion floated was a 20 percent down payment requirement.
So: Basic QM requirements to make a loan, and stricter QRM requirements if you want to sell 100 percent of it to investors. (These days, the U.S. government is usually that investor.)
In January 2013, the CFPB did its part, releasing the QM rules.
But the QRM rules are still up in the air. The reason: concerns by lenders that the standards would be too strict and too expensive, and would keep many borrowers from getting QRM loans.
Of course, you say, that's the idea — lenders should only be able to sell 100 percent of the safest loans. If it didn't meet QRM requirements, lenders would only be able to sell 95 percent.
Here's an analogy: The lender is baking a cake. If it uses the highest-quality ingredients, the government will eat it all (QRM). But if it substitutes some store-brand ingredients, the lender will have to take a bite, just to prove it's safe (QM).
Well, lenders didn't like that. They argued that keeping that five percent would be too onerous, so the only loans they'd make would be QRMs. (I.e., they don't want to take a bite, so they'll be forced to use more expensive ingredients.) Thus, a lot of borrowers would be out of luck because they couldn't meet those stricter standards. (I.e., the high-quality cakes would be too expensive for many consumers.)
Well, those six federal agencies agreed that asking lenders to take a bite out of their lower-quality cakes was a bad idea. They announced that the latest QRM proposal would "define QRMs to have the same meaning as the term qualified mortgages as defined by the Consumer Financial Protection Bureau."
In other words, forget about the whole skin-in-the-game thing altogether — lenders wouldn't need to keep anything on their own books as long as the loan meets those basic (QM) requirements.
So, to recap:
Government: The new rules will set standards for loans, and you'll have to keep five percent of every loan on your books.
Lenders: Yikes! Couldn't we create a super-safe category where we wouldn't have to keep any ourselves?
Government: Sure thing. We'll create a stricter category of loans, too. If a loan meets those requirements, you don't have to keep any on your books.
Lenders: Great!
Government: OK, here are the general requirements, and here are the stricter ones where you don't have to have skin in the game.
Lenders: Yikes! The regular rules are all right, but the stricter rules are too strict!
Government: Well, if you want me to buy 100 percent of a loan from you, they need to be stricter. You can still make regular loans — just keep five percent.
Lenders: The only loans we want to make are the kind we can sell off completely. And these rules will make that hard.
Government: That's the point… oh, all right. Forget those stricter requirements. You don't need to keep anything on your books. We'll buy 100 percent of every loan that meets the basic standards.
And that's where we are today. The comment period for the latest proposal runs until October 30, 2013, after which we'll get yet another proposed rule for QRM. And we'll see what that brings.


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Lot 49: Planters Embossed 4 Sided Counter Jar with Rolled Lip and Peanut Lid
Pepsi, Coca Cola, and Soda Pop Collection - 500 Lots - Vintage Advertising
by Kraft Auction Service
29 October 2016
Lebanon, IN, USA
Live AuctionSold
Looking for the realised and estimated price?
Description: Very nice condition, no damage noted.


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- Fours
- Sixes
- Wickets
- P Chopra 1
- UBT Chand 22
- B Aparajith 5
- GH Vihari 8
- VH Zol 26
- SK Patel 50
- AD Nath 19
- RB Kalaria 3
- Harmeet Singh 5*
- Vikas Mishra 3*
- RR Beaton 3/33
- JJ Jones 2/23
- JP Greaves 0/35
- KR Mayers 2/35
- DYA Davis 0/26
- AJ Hosein 1/12
Jones to Chopra, OUT, fuller ball on the pads. Chopra dutifully flicks it. Acrobatic skills of Hosein are a huge help as he dives across to his right and pulls off a blinder
P Chopra c Hosein b Jones 1 (6m 7b 0x4 0x6) SR: 14.28
Beaton to Aparajith, OUT, short ball on the leg stump. Aparajith looks to pull and gets a faint edge. Ambris moves over to his right and takes the catch
B Aparajith c †Ambris b Beaton 5 (30m 17b 0x4 0x6) SR: 29.41
Jones to Vihari, OUT, that's an unfortunate dismissal as he looks to flick the ball. He moves across a fraction more, the reason for the ball ending up on the stumps. Remember Mark Waugh getting out in a similar manner to Murali
GH Vihari b Jones 8 (21m 16b 1x4 0x6) SR: 50.00
Mayers to Chand, OUT, the patience wears thin for Chand. After being pegged back by the deliveries in corridor, he decides to have a defensive poke at one and gets a faint outside edge back to the keeper. This time Ambris doesn't make any mistake
UBT Chand c †Ambris b Mayers 22 (88m 61b 3x4 0x6) SR: 36.06
Hosein to Zol, OUT, short ball outside the off stump.Zol makes room to cut it and gets a bottom edge that hits the middle stump
VH Zol b Hosein 26 (75m 52b 1x4 0x6) SR: 50.00
Beaton to Nath, OUT, similar dismissal to Vihari. He looks to flick it and misses. The ball hits the edge of thigh pad and ricochets onto the stumps
AD Nath b Beaton 19 (46m 33b 0x4 0x6) SR: 57.57
Mayers to Kalaria, OUT, looks to defend it and the ball goes off the outside edge. The frames didn't conclusively suggest that he was out. He has to go as the third umpire thinks it pitched before hitting the bat
RB Kalaria c †Ambris b Mayers 3 (11m 5b 0x4 0x6) SR: 60.00
Beaton to Patel, OUT, fuller ball on the middle stump. Patel makes room and looks to go inside out. He misses and the ball hits the stumps. Patel can't quite believe that he couldn't get some bat on it
SK Patel b Beaton 50 (115m 97b 5x4 0x6) SR: 51.54


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Class book Homework Audio CD for homework Internet applications Other materials to accelerate learning are available
ILSONLINE "Circolo di Cultura Italiana" Head Office: Vico Antonio Sforza, 18 - 73028 Otranto (Lecce) - Italy Mobile: 0039 329 2956361 - Phone: 0039 (0)836 801552 - Fax: 0039 (0)836 805350 www.ilsonline.it - email@example.com
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It only took 3 days to receive my order and I'm very pleased with the quality of the product. I would recommend your store to all my friends and...Read More ->
After taking about 1/2 teaspoon of Pomegranate, the old ligament injury from karate years ago that was becoming increasingly painful, feeling that I...Read More ->
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Unlike many coconut oils on the market, our raw centrifuged organic extra virgin coconut oil comes from fresh coconuts that do not undergo a refining process. Many coconut oils go through either the quick drying or wet-milling processes to extract the oil from the coconut. Instead, we use centrifugal extraction to derive the oil from the coconut. This method of extraction requires no heat at all and produces a raw organic virgin coconut oil that is absolutely amazing! Our raw organic coconuts are harvested at the perfect age and are processed the same day on the same USDA certified organic coconut plantation where they are grown. The coconuts are dehusked and grated, and the fresh coconut meat is centrifuged to extract the oil. This process preserves the live enzymes, lauric acid, and all the other immune system building nutrients. Except for picking and opening the nut, there is little human handling in our process. Stainless steel mechanical equipment is used in order to provide a sanitary controlled environment in the processing plant. The coconut oil is strained and immediately bottled. No chemicals or preservatives are added. You only get pure unadulterated organic virgin coconut oil. Organic raw extra virgin coconut oil is known throughout the world for its nutritional value and exciting flavor. You will love ours! It is created through the centrifuge extraction, of freshly picked coconuts. This process creates a mild, sweet oil with a light coconut taste that is smooth and delicious. Best of all it is certified organic. It's wonderful by the spoon as a supplement, as a salad dressing oil, or as one of the best oils on the market for cooking.
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Advertisement London Travel The latest incidents and delays on the roads, tube, rail and airports in and around London. Share Tweet Plus Reddit
12 June 2012 at 2:47pm TUBE: LAMBETH NORTH Underground station closed on Bakerloo Line at Lambeth North due to faulty lift. Last updated Wed 16 Jul 2014 Read more 1028 updates London Travel UK Lambeth North London Underground Bakerloo Line Travel Share Tweet Plus Reddit
Train users warned of disruptions to services Direct services from London to Scotland to be cancelled in the run up to Christmas
Routemaster engineer dies Colin Curtis, one of the masterminds of the famous London Routemaster has died at the age of 86
Heathrow consultation to be held Advocates of a third runway at Heathrow airport will be able to make their case in a consultation process to be launched


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Ford to launch advanced steering technology
Dubai, June 29, 2014
Ford Motor Company is bringing to market a new generation of steering technology that will help make vehicles easier to maneuver at low speeds and in tight spaces.
At higher speeds, the new technology will help make the vehicle more agile and fun to drive, said Raj Nair, Ford group vice president, Global Product Development.
"First and foremost, all Ford Motor Company products have to offer a great driving experience. This new steering technology can make any vehicle easier to maneuver and more fun to drive," he added.
Adaptive Steering changes the ratio between the driver's actions at the steering wheel – the number of turns – and how much the front wheels turn. In traditional vehicles, this is a fixed steering ratio. With Ford's new Adaptive Steering, the steering ratio continually changes with vehicle speed, optimising the steering response in all conditions.
At lower speeds, such as when pulling into a parking space or maneuvering in tight quarters, the new system makes the vehicle more agile and easier to turn, as it dials more steering into the road wheel. Each low-speed maneuver requires less turning of the steering wheel.
At highway speeds, the system further optimizes steering response, enabling the vehicle to react more smoothly and precisely to driver input. Adaptive steering can help the driver feel more comfortable and can make any drive more enjoyable.
Ford's system uses a precision-controlled actuator placed inside the steering wheel, and requires no change to a vehicle's traditional steering system. The actuator – an electric motor and gearing system – can essentially add to or subtract from a driver's steering inputs. The result is a better driving experience at all speeds, regardless of vehicle size or class.
Adaptive Steering will be available on select vehicles beginning next year. The system was developed for production by Ford in collaboration with Takata, a leading supplier of automotive steering and safety systems and a Ford Aligned Business Framework partner. – TradeArabia News Service


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The President Pushes Jobs on his Trip to Asia
Jake Tapper on what is on the president's mind as he visits India.
Obama Offers India Permanent Security Council Seat
The president's major diplomatic move expected to worry Pakistan.
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Sundays 10:00 a.m.
36600 Niles Blvd.Fremont, CA 94536
(510) 797-0895
Adult Sunday School
9:00 a.m.
Youth Sunday School
10:15 a.m.
We are a progressive, open and affirming church that serves the Bay Area Community, uniting in God's love for all people regardless of race, age, nationality, physical ability, marital status, family configuration, mental ability, economic status, sexual orientation, gender identity and/or expression, religion, faith, or creed, encouraging them on the adventure we call the faith journey. Learn more…
Sermons are available online in text, audio, and video formats. Learn more…
Find us in historic Niles, a district of Fremont California. Learn more…
Our newsletter: "The Bell", is published monthly. Click here to view this months "Bell".
Pledge Online: You can make a pledge of financial support of the mission of Niles Discovery Church by clicking here.
Our Email Lists: Subscribe to one or more of our Email lists. Click here to sign-up.
We are solar: We installed a solar system to reduce our carbon footprint! Click here to view our solar system status.


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(3 quotes found)
"I'm not a bad driver. And I never will be because I took lessons when I was quite a boy. I never had to pass a test because there wasn't such a thing when I first started driving a motor car. So I didn't have to pass one."
Richard Murdoch
"Well there are those that you wield and those that you join."
"The things most likely to get earwigs are dahlias."


text:
Drug Profile
Lymphocyte function-associated antigen-1 antagonist - Bristol-Myers Squibb
Alternative Names: BMS 587101; LFA-1 antagonist - Bristol-Myers SquibbLatest Information Update: 10 Jul 2007
Price :
At a glance
- Originator Bristol-Myers Squibb; Cerep
- Class Small molecules
- Mechanism of Action Lymphocyte function-associated antigen-1 inhibitors
Orphan Drug Status
Orphan designation is assigned by a regulatory body to encourage companies to develop drugs for rare diseases.
On Fast track
Fast track status is assigned by the US FDA so therapies with the potential to address unmet needs can move faster through development.
Highest Development Phases
- No development reported Inflammation
- Discontinued Autoimmune disorders; Psoriasis
Most Recent Events
- 06 Apr 2006 Phase-II clinical trials in Inflammation in USA (PO)
- 24 Nov 2004 Phase-I clinical trials in Inflammation in USA (PO)
- 24 Nov 2004 Phase-I clinical trials in Autoimmune disorders in USA (PO)


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Plot for sale in Mijas Costa, Mijas
Built m² • 0 Beds • 0 Baths • Terraces N/A • Plot 1473m² • reference: R2644712
Enquire about this propertyProperty Description
We offer a range of plots in La Cala Golf and La Mairena where you can enjoy complete peace and tranquillity, you are only a few minutes drive to the beautiful sandy beaches, fine restaurants and shops of the sophisticated area of Elviria or La Cala de Mijas. This is without doubt a place to build a fabulous villa of your dreams and a lifetime investment. Residential Plot, La Cala Golf, Costa del Sol. Sector 14 Plot 4 Garden/Plot 1473 m². Buildable: 294,6 m2t Setting : Frontline Golf, Suburban, Country, Mountain Pueblo, Close To Golf, Close To Shops, Close To Sea, Close To Schools, Close To Forest. Orientation : South. Condition : New Construction. Views : Sea, Mountain, Golf, Forest. Garden : Private. Category : New Development.
Want to know more about this Plot? Ask Jo:
Jo Tucker
VIVA Customer Services
0808 168 1469: 0808 168 1469 firstname.lastname@example.com
More [+]La Cala de Mijas
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More [+]We're here to help you
If you've decided to buy a home on the Costa del Sol, but you're not quite sure where, our brief and independently written area guides are a great place to start. But between us we know the region inside out, so whatever you'd like to know, just ask. It's what we're here for!
The VIVA team speak all major European languages


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This 60' Jefferson Pilot House MY has been very well maintained. Galley down floor plan, four staterooms, four full heads and one day head. Spacious salon, large, well equipped fly-bridge and aft deck. Beautiful teak interior and new exterior teak decking. Upgraded, fully equipped galley. New Westerbeke 22KW Generator. WiFi- Hot Spot Antenna. 2015 Tender w/40HP O/B. Give Joe a call to schedule an appointment for a showing.
Joe Smith, Cell: 410-708-0579
P.O. Box 68
1 George Street
Georgetown, MD 21930
United States


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Sci fi/Fantasy image by
Paul Wattsit's hard to draw a character from a story, because everyone has their own special view of that person. Especially since all the WoT cover art sucks. Min is my favorite character from the Wheel of Time, so i decided to draw her first.
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Category Fan art
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We create meaningful, eco-conscious jewelry and accessories to positively empower and connect humanity. We share a passion for the wellbeing of our planet, our communities, and our individual paths. ALEX AND ANI products are proudly designed and crafted in America and made with love.
We embrace the power of positive energy as our core company belief. Each product is infused with positive energy in three important ways. First, the products themselves are manufactured (and infused) with positive intention in carefully selected American factories. Second, the symbols featured in our designs carry their own energy and are accompanied by thoughtfully crafted and meticulously researched meaning. Last, each design is positively intended to empower the wearer and reflect the unique qualities of the individual. Some pieces carry sentimental meaning; others are talismans of protection, power, or intention. The beauty of each collection is that you are the designer. Mixing symbolic pieces with your own alchemy makes ALEX AND ANI completely and uniquely yours.


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Melissa King
Hey fellow photogs! I originally got on here several years back when I first started getting serious with photography, and kind of fell off (personal life stuffs). During my absence, I have grown so much in technique and in my photo editing skills. Seriously...take a look at my early stuff and then my recent uploads. What a difference! I've analyzed them and looked back at critiques and....just...wow. Wow! I love that I can see how I have progressed in my skills :).
See me also at RedBubble,
Find me at: http://www.hunyphotography.com
Collections are a JPG+ feature. You must be a JPG+ member to create new collections and to add photos to collections.
Sign up for JPG+ to start using collections now!
Q: What is the difference between macro lense and macro extension tube
A: Do you know?


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Child Care Courses Brisbane are Brisbane's top training facilitators.
We provide Nationally Recognised courses in the Child Care industry. These courses include, the Certificate III in Early Childhood Education and Care, and the Diploma of Early Childhood Education and Care.
Our courses provides parents with the ability to find professional care takers and educators for their children, as so that they have the very best chance in living a fulfilling and healthy life.
We train our students in a way that has them confident and capable of providing, top quality care to all of those children they look after, as we know a child's growth and development is crucial.
Here are some reasons why you should choose us:
Industry Leading Experts
We are proud to be represented by a professional and experienced team, who solely focus on providing the very best education to all of our students. We have state of the art learning centre environments, to maximise your ability to learn.
Amazing Trainers
Our trainers are some of the best available in this industry not only just in Brisbane, but in Australia. They always put their 100% into everything they do, for the benefit of others. We guarantee that our team of excellence will provide you with all of the education you will ever need.
We have Experience
As we have been involved with child care for a number of years now, our level of experience is second to none. We have learnt a lot on the patterns of people, and situations to constantly maximise output of learning. Our experience is reflected in the professional and ease of our courses.
Fantastic Environment for Learning
We have purpose built, dedicated classrooms where your learning will take place. This makes your learning experience much simpler and much more effective. As a result, your knowledge and skill set will improve at a much faster rate, having you career ready sooner.
Our Students are our Priority
We focus on every single individual that begins one of our courses with full integrity and respect. It is our priority to ensure that you are looked after to the very best of our ability, so you feel comfortable throughout your learning.
Our Education is Simple
Have no fear that the course may be too hard, or you will not receive the assistance you require. Our wonderful staff team, have made things as easy as possible for you to manage. Whether this is by means of asking for assistance, advice, or other. Let us help make things simple for you where we can.
Value for money
We aim to provide value for money. We do this through providing the best trainers, with the best materials for learning, in the best environments to learn in. The greater we can teach you, the greater your chances of entering the workplace and earning money.
Nationally Recognized Training
We are a Certified and nationally recognized professional institute with the facilities mandatory as directed by the authorities. Tied in with a Registered Training Organization, know we have the complete capacity and genuine ability to train.
Career Ready
We have several partners in the industry who can provide work placement. What does this mean for you? This means that once you have graduated, we can help set you up with a career straight away, without having to try and make it all happen yourself. Our aim is to set you up as much as possible.
Satisfaction Guaranteed
If you are not satisfied, then we have not done our job properly. The last thing we at Child Care Courses Brisbane want to do, is have the education come as a challenge and something you do not enjoy. We however with a 100% rate of success, can give you the assurance of satisfaction.
If you want to qualify yourself for a Certificate III in Early Childhood Education and Care or take your qualifications to the next level with a Diploma of Early Childhood Education and Care, then we are your go to training providers. Contact us now to begin your new exciting career.
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Composition :
(Biaz Kabir vol.2)
Each dose of 5 g Contains : Tukhme Badiyan 1.00 g, Nankhwah 1.00 g,zeera Siyah 1.00g, Sudah 1.00 g, Lakh Maghsool 0.50 g,Marzan josh 0.25 g, Bura Armani 0.25 g
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You've probably seen many versions of this old standby. Broccoli raisin salad is so good, we're trying it again. The recipe easily doubles to serve 12.
- 1 medium-size purple onion
- 1 (16-ounce) package fresh broccoli florets
- 1 (3.75-ounce) package sunflower kernels
- 1 cup golden raisins
- 1 cup mayonnaise
- 4 bacon slices, cooked and crumbled
- 3 tablespoons red wine vinegar
How to Make It
Cut onion into thin slices; cut onion slices in half.
Stir together onion and remaining ingredients. Chill at least 2 hours.
NOTE: For a lighter version, substitute turkey bacon and low-fat mayonnaise.


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13 Hébergements, 1 Événements , 30 Activités
A beautifully restored 16th century tower house with unique architectural features. Newtown nature trail, a 1,300m walk around The Burren, is adjacent to the castle. Lire la suite
Aillwee Cave is a superb show cave near the mystical Burren area of north County Clare. The cave, with its nearby birds of prey centre and farm shop, is located south of Ballyvaughan on the R480. Lire la suite
The walks cover the geology, botany and history of the Burren while exploring the region on foot. Lire la suite
The waters off the Clare coast are among the most productive sea angling grounds in Europe. The many piers along the coastline and rocky ledges, interspersed with lengthy stretches of sandy beaches, provide great shore fishing. Lire la suite
Cahercommaun Stone Fort is set dramatically on the edge of a steep valley near Ballyvaughan, in County Clare. Lire la suite
Carran Medieval Church, found in County Clare, is a fine example of a medieval parish. The structure is located in the village of Carran, about 30km from Ennis. Lire la suite
Gleninagh Castle is an L-shaped tower rom the 16th century. The O'Loughlins occupied the castle up till 1840 and it can be found in Ballyvaughan, County Clare. Lire la suite
Poulnabrone, in a field beside the Corofin-Ballyvaughan road, is one of Ireland's most photographed dolmens. Late Stone Age (4th millennium BC). Lire la suite
Found near the town of Ennis in County Clare, Temple Cronan Early Christian Church was dedicated to St Cronan of Roscrea, or Tuamgraney. Lire la suite
Quinn's Craftshop, located on the main street of the unspoilt village of Ballyvaughan, County Clare stocks books, clothing, jewellery, music, perfume, prints and quality souvenirs. Lire la suite
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