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Data Center
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Intel and Cisco collaboration in data center goes deeper
Over the past two weeks, related to the Intel launches of Xeon Series 5600 and Xeon series 7500 processors, weRead More
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Any server, any application and anywhere in the data center?
Yes, this is indeed flexibility of the breakthrough innovative architecture that easily adapts to any combination of server form factors,Read More
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Making the Jump to Light Speed
by Harris Sussman, Cisco Data Center Solutions – Unified Computing System Many of you will likely recall the following dialog fromRead More
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Introducing the Second Generation Cisco UCS
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Intel's Xeon 7500 Reinforces the Need for Balanced System Design
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What is the Biggest Intangible Benefit of WAN optimization?
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10 mg sucroseBuy Zyprexa 7.5mg
This drug may make you dizzy or drowsy or cause blurred vision. Do not drive, use machinery, or do any activity that requires alertness or clear vision until you are sure you can perform such activities safely. Limit alcoholic beverages. These states require a prescription to order syringes or needles. If you order from one of these states, you must provide us with a prescription. Your doctor may provide us with a prescription via ePrescription, fax directly from his/her office (1-888-870-2808), or via telephone call with one of our pharmacists (1-800-748-7001, Monday through Friday, Eastern time). You may also mail your prescription directly to , attn: Pharmacy, 7107 Industrial Rd, Florence, KY 41042.
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Our two croft houses in Oldshoremore each have their own distinct charm and character.
Elders has been owned and used by our extended family every year since we purchased it in the 1960's. As the family has grown we were lucky enough to be able to buy the cottage next door and this now provides great flexibility to allow two families to stay at the same time while retaining a degree of separation.
They have both been regularly updated and each provide a different experience. Elders was reconfigured and provides a good clear open entertaining space downstairs with a view of the entire Oldshoremore bay and sunsets while the first floor has full height bedrooms .
They are both on the former croft of 142 Oldshoremore and were known as 142 and 142A. To avoid confusion the larger house was renamed "Elders" as there were elder bushes growing around it---which have now long since gone!
142A has a traditional cottage layout with coombed bedroom ceilings and is very cosy and snug to stay in--children and adults love the true crofting experience.
While retaining its original character it is very easy to use with modern kitchen and bathroom installations and warms up very quickly due to the low ceilings
Our cottages are easily found as they are on the bray leading to the cemetery and Oldshoremore beach. See link below for map of location


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Rita Hepburn
Guest Book Entries are free and are posted after being reviewed for appropriate content.
04-14-2017 4:00 PM -- By: , From:
I'm so sorry for your loss she was a cute baby and had a beautiful name . I know when you lose something you need a hope , and there is a hope found at Revelation 21 : 4,5 It brings out two points I think are helpful , the first is Jehovah promising a resurrection . Now this would mean seeing her again hugging her and , playing with her again , and there's a second part to make sure we see its true he says for these words are faithful and true . I hope this helps and I wish the best for you and your family . 💜
10-17-2016 6:38 PM -- By: Just a mom, From: Tennessee
I am just a mom who lost her son. My heart broke that day. I have never recovered. Oh sure, I get up and put on my make up. I go to work. I smile at people. I talk to everyone. I say I am ok. I lie. I cry everyday when I am alone. Truth is....I just plain miss my boy. I guess you would understand....
I wanted to pay tribute to your loved one today. It is clear to see she is loved and dearly missed. The missing them never stops. She is a beautiful baby!! What a horrible passing this child had. She had such a pretty smile.
Birthdays, holidays and passing days are so hard for those of us left behind. You are not alone. Not today. She is with you in spirit, as my Ryan is with me. I believe that. I have to. So, love each other, hug each other. Everyday.
You are in my thoughts.
Always and forever Ryan P Frye's Mom
06-15-2014 6:54 PM -- By: Audie's Meme, From: Clinton, SC
Missing you Pretty.
01-30-2014 10:07 PM -- By: Heather, From: Washington
I am really sorry that you lost Audrina Claire Hepburn. She is really a cute little girl.
Love Heather
10-18-2013 9:34 AM -- By: Marlie odrow, From: Ontario
RIP Little one..
06-07-2013 8:55 PM -- By: MICHELLE BOTTENHORN, From: LONGVIEW, WA
06-07-2013 2:21 AM -- By: Tara Murray, From: Ontario Canada
Happy 5th Birthday Baby Girl <3 you are the most beautiful Angel there is. You should be here celebrating your birthday with your family that loves and misses you so much. Always thinking of you and your loved ones. Sending lots of love, big hugs and kisses to you Beautiful <3 Always in my heart <3
06-06-2013 6:46 AM -- By: Rita Ebel - Audie's Meme, From: Clinton,SC
Happy 5th Birthday pretty!
04-02-2013 2:21 PM -- By: Ashley Jubito, From: Warrenville sc
R.I.p baby girl ur a beautiful angel now
03-10-2013 12:46 PM -- By: Megan, From: New Jersey
Rest in peace baby.
03-09-2013 1:01 PM -- By: zanalise, From: south africa
little baby girl you are now a beautiful angel for god!
03-08-2013 10:53 AM -- By: Janet, From: germany
Love is a smile, a tear, a touch. Love says so little but means so much.....fly high in heaven Audrina. You are so loved and missed.
03-07-2013 9:31 PM -- By: Embie, From: Rodoy
Hi baby Audie.. your so nice with this picture.. i think your be too so nice if youre still with your family.. i alway's visit your page to see your beautifull smile,, to see your cute cudly face.. you look like my daughter shein.. i promise to you that i will alway's good to my daugther and not going to be naughty to her.. although i dont now you and never meet you in person i am alway's about to cry when times comes that i remember you.. =( and see youre videos .. now that youve already grant the justice hope youre fine there in god's hands.. youre family misses you so much baby.. you may now rest in peace.. take care my dear! =)
03-06-2013 10:40 AM -- By: Debbie, From: Leocata
Audie you must be the prettiest little angel up there 😇 please keep watching over your whole family but most importantly your grandma! We take care of her from here you take care of her from heaven. Please visit her in her dreams tonight so she can see your beautiful eyes again, love you Audie rest in peace sweet angel💕😘
03-05-2013 4:24 PM -- By: Aunt Britt-Britt, From:
Missing you sweet girl.
03-05-2013 11:06 AM -- By: Laurinda Martel, From: Merrimac, MA
SO sorry for what they did to you. You are angel with great big wings. and i know you are shinning down on those who loved you and are sad that you are gone. Audrina , my mom is up there she is angel too. I am sure you have met and she will take care of you she was a great gammy to my kids. May you rest in peace. And hopefully one day we will understand why those monsters hurt you the way they did. love and god bless you and your family. love .
03-05-2013 11:02 AM -- By: Mar, From: Sweden
I pray for you little audie, and for your family, Rest in peace little angel!
03-02-2013 4:06 AM -- By: Debbie Gillian, From: Mountville S.C.
just stopped by to see your sweet smile
01-20-2013 2:49 PM -- By: Deandra K, From: Hawaii
I pray for you all and your lil angel that was taken away too soon. I know she is in heaven watching you all and one day far from now she will be at those gates waiting to greet you. It's soo hard to see young ones leaving soo soon, in such horrible ways, the world is soo unfair but all we can do is have faith and love the ones that we have now...Take Care, Godbless...ALOHA <3
01-20-2013 4:24 AM -- By: ines frühauf, From: germany
hi littel angel it break me my heart to see what happend to u
rest in peace <3 <3 <3
11-01-2012 10:39 AM -- By: April, From: Hammond, la
I'm sorry of what you had to endure. It breaks my spirit to see what children and babies have to go through. I know you are with God and his angels, looking down on your family that loved you. May your family have peace and comfort.
10-29-2012 4:13 AM -- By: Kelly D, From: SC
10-26-2012 3:43 AM -- By: , From:
10-21-2012 2:39 AM -- By: Robin Benner, From: pennsylvanis
Im so so sorry baby girl fly high with the angels RIP
10-20-2012 10:50 PM -- By: Cobie Riley, From: Sydney australia
Rest in peace beautiful
10-19-2012 11:42 PM -- By: schayalla husted, From: iowa
i never met aweet audrina but she is a beautiful little girl and i just hope she gets justice...
10-18-2012 10:50 AM -- By: Victoria Omahl, From: Clearwater Fl.
10-17-2012 10:55 PM -- By: Rita Ebel, From: Clinton, SC
Hey my little Pretty, Meme misses you so much! You are thought of all day long, I speak your name every chance I get. It has been 3 years tonight that you gained your Angel wings. I know I will see you again one day, but until them I will see you in my dreams! Gone too soon but NEVER FORGOTTEN.
10-17-2012 6:59 PM -- By: Tara Murray, From: Ontario, Canada
Hey beautiful <3 you stole my heart when I first heard your story and I am always thinking of you and those pretty blue eyes and that smile. You were taken far too soon Angel and my heart still breaks for your family that loves and misses you so much! You are forever in my heart! Lots of the love to you always Baby Girl <3 hugs to your family xxx
10-17-2012 2:08 PM -- By: christina, From: ireland
bless you all ways your a beautiful angel x


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Leopard Chiffon Moto-Style Jacket - fASHLIN
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No-cost, downloadable tools that teach students, grades 6-12, how to look for warning signs, signals and threats, especially in social media, from an individual who may be threatening to hurt themselves or others and to Say Something to a trusted adult are available to assist you in delivering the Say Something program to your school or youth organization.
This easy-to-use guide is designed to assist adult educators in delivering the Say Something program. It includes tips for getting started; key messages and action steps to emphasize in the classroom or at an assembly; and ideas, activities and resources for supporting young people in carrying out Say Something throughout the year.
This easy-to-use guide is designed to assist youth ambassador or peer leaders in delivering the Say Something program. It includes tips for getting started; key action steps and messages to emphasize; and ideas, activities and resources that young people can do throughout the year to carry Say Something forward.
Say Something Community Organizing Guide
This easy-to-use guide is designed for community organizations and leaders. By providing this guide, we aim to continue the conversation beyond school to reach youth and connect with them where they are.
The Say Something Parent Resource Guide is a tool that parents and caretakers can use – and that schools and youth organizations can give to parents – to help continue the Say Something conversation at home. Also available in Spanish.
Say Something PowerPoint Presentation
The Say Something PowerPoint Presentation accompanies the Educators and Student guides. In most cases, the Say Something presentation can be completed in 20-40 minutes.
Real examples of when Say Something worked. This handout can be used to share Say Something success stories with students during the Say Something program and correlates to page 23 of the Educators Guide.
Say Something Poster
Download the Say Something poster (11x17 or 18x24) to use in your Say Something activities.
The Say Something video accompanies the PowerPoint Presentation. It's also available with English subtitles and Spanish subtitles.
Say Something Sustainability Check-list
A few simple and easy to implement steps to assure that the key messages and practices of Say Something are reinforced and sustained throughout the year.
Promise Club Success Stories and Calendar
A Promise Club is made up of a designated adult champion(s) and youth leaders. A Promise Club can be a unique, stand-alone club or embedded into an existing student club, such as SADD, Student Council, or another student leadership, civic or kindness club.
Say Something Promotional Video
This short, three-minute video is designed to help promote Say Something and educate others about Say Something. It can be shared with school staff, parents, students and community members.


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Royal v. Carnival - our take on it: Independence of the Seas Cruise Review by skipper711
Overall Member Rating
Royal v. Carnival - our take on it
Destination: Western Caribbean
Embarkation: Fort Lauderdale (Port Everglades)
husband and I travel fairly frequently and have primarily vacationed at all-inclusives, and recently began cruising in 2011. We've been to many islands for land-based vacations and now enjoy cruising as well. We've primarily cruised on Carnival, and I had one experience on NCL. This was our first time on Royal, so this was our opinion of the ship, Independence of the Seas – 4/6-4/12.
The ship was near capacity, and due to spring break still going on, there were over 1100 kids on the ship! (we asked for confirmation). Even with that many people, it only seemed crowded on sea days trying to get a lounge chair.
First off, the ship is massive, beautifully designed, and really gives you the WOW factor that Royal
promises. The promenade area was a sight to behold and we spent many hours walking along the shops, sitting and talking, More drinking and just enjoying the general atmosphere. If I had to describe the difference between Royal and Carnival in one word, it would be REFINED.
The best part of this ship to us was the solarium area. The nice, cozy seating areas, along with the swings. Whoever thought to put swings on a ship is pure genius! Who doesn't love to swing and sit back and relax and enjoy the ocean views!!
All in all, we loved Royal and it likely fits our personality better because we enjoyed the adventurous activities. The more laid back feel, and the lack of head pounding music in all corners of the ship. We were hopeful that would be the case, and Royal delivered.
Having said that, would I sail on Carnival again….ABSOLUTELY positively! It's fun, lively and a great option when working in a budget. However, if you can splurge a bit, I would recommend doing so because it will be well worth the extra cost if the "winners" section appeals to you. If not, stay on the ship that fits YOUR personality best! This is just OUR opinion.
Royal wins in:
Embarkation – no lines, just walked up and provided our passport information
Disembarkation – at ports and at the end of the cruise, this was seamless (until we got pulled by customs, but that is another story).
Food – dining room & lido – far more options
Room Service – hot items available for breakfast
Entertainment – upscale and excellent entertainers
Ship – phenomenally designed
Drink programs (one person can purchase alcohol and the other soda, or however you wish)
Gym – large & spacious
Promenade – gorgeous and well laid out
Cabin – much more storage and better colors.
Balcony doors – these slide into place with ease, so nice
High end shopping – if you like high end shopping, this is the ship!
Lounge areas – comfortable seating options
Activities for all ages
More areas for relaxation
Offering various types of music from steel drums, to soft music, to dance and orchestra
Carnival wins for the following:
Continual cleaning – they are always steaming, spraying and cleansing areas
Fun – more dancing, people interacting with others
Deck Party – no comparison, much more fun
Friendlier guests – more social
Towel animals daily – only twice on Royal
Guy's Burger – the BEST!
Availability of lounge chairs on sea days
The Pointe Steakhouse – best steak ever
Bathrooms – more functionally designed
Comedy club – Royal's comedians didn't have shows until 11:45 pm at night. We don't stay up that
late each night and truly missed this because it was something we always enjoyed on Carnival.
Dancing wait staff – Royal doesn't do this at dinner and we missed it
Reasonably priced shopping
More line dancing and activities to keep people having fun
Ice cream – avbl 24 hrs (on Royal, only until 6:30 pm)
Service was great on both lines, and we both believe this was a tie.
We arrived a day early and stayed at the Hyatt Place Plantation, near Fort Lauderdale. The hotel
itself was nice and functional and provided everything we needed. The service was not as good as when we stayed at Hyatt Place Dania Beach. The driver that took guests around the surrounding area was not very pleasant and was not a very safe driver. He would slam on the brakes frequently, and we were so
uncomfortable we didn't ride with him again.
The hotel was in a nice location, and we were able to go to BoKampers for a nice dinner and to watch the Final 4 on the large televisions. Food was great and everyone seemed to be enjoying themselves. Highly recommend this restaurant/sports bar if you are in the area.
We have family in the area, so we met them at a nearby pancake house and they transported us to the
port, which was very nice. Otherwise, you can set up transportation upon booking with the hotel, or get a cab.
I suspected that for such a large ship, this may be problematic. I was absolutely incorrect. We walked up to the ship, went up to where we needed to be, were greeted and provided our passports, our photos were taken, sea passes provided, and we were on our way.
We love that Royal allows you to choose from several different packages. EACH person gets to choose
whether they want a package or not. It is NOT required that each guest in the same cabin purchase the same package as required on Carnival. I purchased the soda package for $6.50/day plus gratuity and my husband purchased the wine/beer/soda package for $40/day. Packages increase up to $65/day and include beer/wine/mixed drinks/bottled water/specialty coffees and juices. There are several options to choose from and I think this is a great idea if you don't want to do the daily tally trying to figure out what your tab will be. NO SHARING of drink packages allowed.
We cannot say enough about the entertainment offered onboard. We were blown away by the first musical performance of Savannah Jack, from Nashville, Tennessee. They had the crowd involved and were just great entertainers, singers, musicians and I could return just to listen to them. They still play with Kenny Rodgers.
We enjoyed the juggler/comedian show. He was quite funny and kept the crowd laughing hysterically at his juggling moves and with his funny antics.
The ice show was out absolute favorite while onboard. This is amazing and a MUST do on any ship that provides the option. Also, we did not get the tickets when they were available. However, if you arrive 5
minutes prior to showtime, if there are available seats, you will be allowed in. This is how we were able to get in. So please do not be discouraged if you forget, or if you don't get the tickets when they offer them for a 2 hr window of time.
The last night they had singers/dancers and the orchestra play for a show. This was their first time in production. This isn't my favorite type of entertainment, but it was nice. The only issue is that one of the dancers was absolutely incredible that she makes the others not look as good. She's phenomenal, and I think once the others get the performance down better, this will work out for them.
This ship is gorgeous, well maintained, and beautiful. I cannot say enough about the design, the beauty and the wow factor. You have to see it to believe it. It is well designed, well laid out,
and impressive.
The promenade is just incredible. We truly enjoyed the Champagne Bar, Vintages and the Pub for just sitting and enjoying our time or people watching. Everything was well thought out, well planned and beautifully carried out.
The staff on this ship are comparable to what we found on Carnival cruises. Everyone is extremely nice, attentive and caring.
We splurged and had a Jr. Suite on the 9th deck. It was spacious, offered a great deal of storage, had a nice tub, chair with ottoman, a couch, and an enormous balcony with 2 chairs and 2 loungers. The cabin was more than we needed, but it was so nice. I really liked that the balcony doors had a sliding door, and all you had to do was turn the handle upward for it to lock. This was a nice change from the balcony door we had issues with on Carnival that would come open at times even when it appeared locked. Since the ship was at full capacity for spring break, it was nice to have this extra space and we actually used the balcony more.
On Carnival they offer the faster to the fun program where you can get your cabin a bit earlier. This is not available on Royal. The cabins are ready by 1 pm. Don't try to go in and look for yourself because the "cabin police" are watching and will make you leave!
On Carnival, there were always photographers on the gangways and it always causes HUGE backups for people trying to get off the ship into port. This was what I thought was fantastic on Royal. The photographers were off of the ship and you could choose whether to have the photo or not. On Carnival I often feel forced to have the photo taken.
I still don't understand why all cruise lines don't make the pools much larger, but that seems to be the
case on all of them. Although, the splash pool for the kids was absolutely incredible. The cantilevered hot tubs looked amazing, although we never tried them.
This is where I would complain on this ship. During the sea days, unless you were up on deck at 8-9 am, you could not find a lounge chair. I do think this had to do with the spring break crowd and that the ship was at capacity. We like to go to the gym, but if we went to the gym and showered, it was impossible to find a chair.
The solarium is a great place to lay out if there is a breeze or the ship is moving. Otherwise, it doesn't get a lot of air and becomes very hot. The cushions also get extremely hot in the sun.
I did miss Guy's Burger, and we did try Johnny Rockets one day, but there was no comparison. The burger was good, but it was too thick and just not a Guy's burger. I did like that they provide you with fries and onion rings while you are waiting. Those were very tasty!
Main dining room – great service, many options, great dessert options, and the food was absolutely delicious. I primarily had the chicken. My husband did try the special Chops filet mignon for $10 one evening, and I tasted it, and it was just ok. We found the other food to be better tasting. That was a disappointment. The steakhouse on Carnival is absolutely incredible.
We also felt that the food in the Windjammer offered far more options than Carnival and tasted better. We also appreciated that there were wait staff around to help you if you needed anything. This was a nice touch.
Sorrentos – pizza was ok, I think it's more for teens and for late night snacks.
Giovanni's – (paid restaurant) This was very nice, and we took my client to eat at this restaurant after Chops Grilled cancelled our reservation for the date we scheduled. The service and the food were excellent.
Issue at Chops – I pre-booked a dinner at Chops before we left for the cruise. My husband received a phone call that the reservation had to be canceled. I'm still not sure why they contacted him, as I am the agent that booked the cruise, and I set up all of the reservations. I contacted RCCL and a very kind lady checked with several departments and confirmed we were on. A week later, I received an email that our reservation was cancelled. That, in and of itself was fine. However, the way it was handled was not proper at all. I was on hold for nearly three hours trying to get this issue resolved. I was extremely disappointed in how they handled this. I didn't mind so much that the reservation was canceled, but the lack of common courtesy and trying to resolve the issue was improper. No one should need to be on hold for hours because of a dinner reservation. After many more lengthy phone calls and emails, they did finally credit us for the dining reservation for us and for my client. This did not set a good tone the week prior to the cruise, however, I will say that everyone else made up for the terrible lack of communication with Chops.
A much better list of options available for room service. We were very pleased that hot items could be ordered for breakfast, as that is not available on Carnival. We really enjoyed eating bacon, eggs and fruit in our room before starting the day.
FOOD ALLERGIES - I suffer from nut/tree nut/sesame and coconut allergies, which can be deadly. Please contact the special needs department and they will assist you with these types of issues. Our head waiter would provide the menu each evening and then I would decide what I wanted the following day. They do a nice job of making certain that you are kept safe.
This is what sets Royal apart. They have basketball, mini golf, shuffleboard, dodgeball, ice skating, pig pong, make your own rock video, flowrider, rock climbing, video arcades, splash pools, and all sorts of options to keep you busy.
We absolutely loved watching people on the Flowrider. When they have the competitors, it is very entertaining. It's hard to believe you are on a ship.
We did make it up the rock wall and rang the bell. Although I may have sustained a couple bruises along the way.
On Carnival, it's offered 24 hrs a day, but on RCCL, only until 6:30 pm. The kiddos
were lined up in this area. I like that Carnival offers several stations. Royal only had one. I typically don't eat as much when I'm hot, but I do enjoy the ice cream, so this was a bit disappointing!!
We only went to the casino once on this cruise, but it was very large and offered many slots, and
other options.
PORTS – Western Caribbean – Grand Cayman, Falmouth, Jamaica, Labadee, Haiti
We have been to the Cayman Islands a couple times, so we are familiar with the area. We didn't book an excursion and just walked in town and went to Margaritaville where it was extremely lively.
Falmouth, Jamaica – Booked Dunn's River Falls with RCCL. This was the highlight of our trip. I am glad we booked with the cruise line because I knew it was about an hour drive each way and I didn't want to take any chances. This is definitely a hike and well worth the experience. Even if you aren't physically able to climb the falls, they have a walking path that you can take to walk with your family and take photos. This was our most memorable excursion to date.
When you exit off the ship, there is a shopping area very similar to the set up in Grand Turk. It was very nice.
Labadee, Haiti – We booked the kayaking tour. We kayaked for about ½ hr and then stopped at a beach and the locals would sell you goods if you were interested. If I had known ahead of time, I would have brought cash with us, but we had put everything in our locker. They offer lockers for $8.
This private island is absolutely amazing. It is huge and spread out, and there are so many options
for people to do that it doesn't get crowded. It's lovely. They have the waterslide, parasailing, wave runners, zipline, a roller coaster, kayaking, beaches, shopping, cabana rentals and much more.
This is an odd comment, but the doors on the RCCL ship are too long and it is often very difficult to
tell whether someone is in the stall or not. Very odd design.
Side notes:
I was very surprised that I found the dress to be much more casual on RCCL than I have ever seen on Carnival. I expected just the opposite. My husband thought it might have been due to spring breakers on family vacations, and that very could be. I don't mind at all how people dress, but from some of the photos I had seen, I was expecting long, formal gowns and tuxes. That was simply not the case.
On our first sea day, we learned that we had picked up 13 Cubans in the middle of the night that were screaming for help. Someone heard them and reported it to the Captain. They ended up rescuing them, but had to turn them over to the US Coast guard the following day to be returned to Cuba. That was an interesting start
to the cruise.
On our last sea day, the Captain asked if anyone had O positive blood, as someone on the ship needed medical attention. We aren't certain what happened to this person, however, the Captain had to get them to shore early, and we arrived at 3 am instead of 6 am so they could get the medical attention they needed. We certainly hope this person is ok.
I found it odd that I always hear RCCL making negative comments about the hairy chest contest and so forth, but they have a belly flop contest and a game called Quest which apparently is quite a risky show but we did not attend. I think some of the RCCL people would quite enjoy Carnival if they tried.
Lastly, as we were disembarking, everyone was going through the line with their cards, ding ding ding until it go to my husband, BZZZZZ stop this family. My husband then asks me if we paid our bill…of course we did! We then find out that we have been randomly selected to be screened by Customs. Talk about nerve racking. We were taken into a small room, and to call this random was an overstatement. There were 4100
passengers, and about 10 pieces of luggage in there, 2 of which are ours. I may buy a lotto ticket. Anyway, someone apparently had something in luggage that looked like ours and they wanted to make certain we weren't with them. After my heart stopped pounding out of my chest, we proceed to find a taxi.
Did we book another…well you will have to wait to see my review in January.
Happy sailing!! If I have missed anything and you have further questions, feel free to ask!! Less
Published 04/19/14
Cabin review: 9564
Cabin was fabulous and very well laid out and spacious. Thoroughly enjoyed!
Read Cruise Critic's Independence of the Seas Review >>
Lots of winners and few losers...
Great first cruise !
Great Cruise, Service Could Be...
Spa pool needs a roof
Fab First RC cruise on the Ind...
Cruising the seas with RC on t...
Multiple levels of disappointm...
Not too pleased
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On this week's Mnet's "Idol Chart Show", the program ranked the idols who went through the biggest changes.
Mnet went ahead and compared the idol stars to their former (pre-debut) selves, ranking them accordingly.
Where did your favorite rank and who came out on top?
Check out the full ranking below!
20. Singer IU
19. MBLAQ's Mir
18. Super Junior's Kyuhyun
17. FT Island's Lee Hongki
16. UV's Yoo Sae Yoon
15. KARA's Nicole
14. SHINee's Onew
13. Brown Eyed Girls' Gain
12. After School's UEE
11. 2AM's Changmin
10. SECRET's Sunhwa
9. After School's Kahi
8. Seo In Kook
7. ZE:A's Kwanghee
6. Big Bang's Seungri
5. SNSD's Sunny
4. B2ST's Lee Kikwang
3. 4minute's HyunA
2. 2PM's Ok Taecyeon
1. Big Bang's TOP


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Tree Service Expert Serving Greenwich, CT and Surrounding Area
Greg Huse, ISA Certified Arborist
Greg operates out of SavATree's Norwalk branch in Fairfield County, CT providing tree care service to Greenwich and Stamford.
Email: firstname.lastname@example.com
Phone: 203-853-9526
Greg provides professional tree service to Fairfield County, CT residents and businesses. He has been working on landscapes, offering such services as tree trimming and tree removals, in and around the Greenwich area for 13 years. His main service area is southern Fairfield, southern Greenwich and southern Stamford.
Greg earned a degree in Forestry from the University of Vermont.
Industry Involvement, Awards and Certifications:
CT Licensed Arborist, Certified Forester with SAF (Society of American Foresters)
Greg has been a consulting arborist and forester in the tree care industry for the past 13 years.
Community Involvement:
He is a volunteer on the New Jersey Tree Farm Committee.
A resident of Black Rock, CT, Greg enjoys listening to music, photography, hiking and camping.
Why He Became An Arborist:
"I became an arborist because I love the outdoors and trees."
Customer Service Philosophy:
"To provide the highest level of customer service possible."
Greg's Territory List:
Belle Haven, Cos Cob, and Greenwich
If you need tree service in Greenwich, Stamford or a surrounding area, call and schedule a free arborist consultation today.
SavATree's Norwalk branch provides tree service and lawn care in the following:Belle Haven, Cos Cob, Darien, East Norwalk, Easton, Fairfield, Glenbrook, Glenville, Greens Farms, Greenwich, New Canaan, Norwalk, Old Greenwich, Riverside, Rowayton, Saugatuck, South Norwalk, Southport, Springdale, Stamford, Weston, Westport, Wilton


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Photographs, cigarettes, mobile phones and cuddly toys are just some of the items that we want to take with us to the grave according to new research by Post Office Insurance.
But many people could end up without their last request because they have not made their intentions clear to their families. When asked what they would like to have buried or cremated with them, one in five people would like a photo of a loved one - rising to one in every four women. While popular choices for women tended to be those with sentimental value, such as an object belonging to a partner or cuddly toy, men would prefer the company of a bottle of alcohol or even a national flag. More bizarre choices included a George Michael tour t-shirt, a wetsuit and motorbike leathers.
Top items to be buried/ cremated with:
- A photo of a loved one
- An object belonging to spouse/ partner
- Bottle of alcohol
- Flower
- Photo of favourite place/ view
- A cuddly toy
- Lock of hair from spouse/ partner
- Photograph of pet
- National flag
- Mobile phone
- Bible/prayer book/religious object
- Pack of cigarettes
- Something belonging to my pet
However, those who want to take their mobile phone into their coffin should be prepared for disappointment if they want to be cremated. Recent changes in regulation aimed at protecting the environment mean there are restrictions on what is allowed in a coffin when cremated, with most metals now ruled out, due to the hazardous emissions they produce.
While many have thought in detail about their funeral, only a third who want to be buried or cremated with a particular item have told loved ones or have made plans for these wishes to be available to friends and family after they have gone.
Duncan Caesar-Gordon of Post Office Insurance says, "Although lots of us have very specific ideas about how we would like to be remembered and what we would like to take with us, the vast majority has not taken any steps to make sure it happens. Talking to loved ones about your wishes, and putting in place financial provisions can make a big difference to a bereaved family who are left to make decisions and finance arrangements. A simple plan can give peace of mind to family and friends."


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by Down Under - Horse/Mikri
(Sydney - Australia )
It's been a few months now since I came across this site and typed up my thoughts under How Do You Overcome The Loss of a Parent. This site has been a god sent! I am visiting each night and reading everyone's life stories and responding to several, I feel it keeps me sane.
My father passed away 9 months ago, 2 months before my wedding. The past 8 months I went through the darkest cloud I had ever been through. I have lost family members before, young niece and grandfather, both of whom I was very close to, but nothing prepared me for the depression I went through on the loss of dad. You just think your parents will always be around forever.
Anger, sadness, blackness, numbness, worthlessness, hatred, suicidal & a feeling of nothingness was all I felt for those horrible 8 months. I was seeing a psychologist every now and then, his strategy was telling me to "relax and breath" & listen to a meditation cd. I know this helps for some, but this did not help me, it drove me insane and he just wasn't listening to me.
I decided to talk to my doctor. She said I may need drugs to assist but I would need to be willing to help myself through it. Guess what, she was right. A few days after seeing the doctor I had an angel send me a cat, out of the blue this black cat appeared and has not left my side since. They say pets are therapeutic and assist in depression, well it's true in my case! No drugs, just a lot of love and attention from a beautiful black cat called Drac has got me through it.
I am feeling much better, am actually smiling and laughing at the silly things dad use to do and the best part is that I am not fighting constantly with my new husband, it was very touch & go for a while there! I have my down days too but I know that will always be the case, I loved my dad and he will always have a part of my heart. The sweet memories will get us all through it. Thank you again to the creators of this site for helping me through the black cloud and for all you out there who feel so low and believe they will never get back up, talk to someone, get a pet, just try every avenue to get back up, you will find a way, you just need to believe in yourself and know that your loved ones are watching down on us all and that black cloud will subside for you too.
Dear "Down Under",
Just wanted to take a moment to thank you for your generosity to other grievers on this site. You have posted many caring and insightful comments to submissions which showed you really cared about that person. And your advice to them was thoughtful and appropriate.
I am sure your words have comforted many. Thanks for taking the time to help others.
Comments for BLACK CLOUD IS SUBSIDING
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text:
By Zlati Meyer, USA TODAY and the Detroit Free Press
When it comes to most popular car colors, silver is out. White is in.
Twenty-one percent of 2011 model year cars around the world are white, said Jane Harrington, manager of color styling and automotive paint for maker PPG.
Black and silver were tied for second place with 20%, with gray coming in next at 13%. Silver ranked No. 1 last year.
PPG also unveiled 70 new shades of automotive exterior colors for the 2014-2015 model year. Get ready for "hazy sunshine," "peacock blue" and "Ovaltine." No, that last one isn't mixed with milk.
A recent PPG survey found that 77% of car buyers said that exterior color was a factor in their purchase, and 31% said they'd be willing to pay extra for a color that expresses their personality.
Chris Woodyard is an auto writer for USA TODAY who covers all aspects of motoring. He revels in the exhaust note of a Maserati and the sharp creases of a Cadillac CTS. Chris strives to live a Porsche life on a Scion budget. More about Chris


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Fighter Squadron at Guadacanal(1996)
A non fiction book by Max Brand
Max Brand, one of America's most popular and prolific novelists and author of such enduring works as Destry Rides Again and the Doctor Kildare stories, died on the Italian front in 1944 without having published his one work of nonfiction. Now after more than fifty years and a string of fortunate coincidences, Brand's stirring account of the 212th Marine Fighter Squadron's operations at Guadalcanal in 1942 has been set in print. One of the very first examples of oral history, this treasure trove of personal and historical detail was the result of hundreds of hours of interviews with the pilots and ground crew of the 212th, as well as with Marine infantrymen and Navy personnel, conducted soon after the events took place. Stories of thrilling, yet deadly, air-to-air combat are recounted in the words of the men who were there - who also share their innermost thoughts about fear, courage, and their resolve to defeat the Japanese. Lost when Brand was killed while covering the Italian campaign for Harper's magazine, this unique and important find would never have appeared in print except for a meeting of squadron veterans and the author's daughter. Graced with the poetic spirit and descriptive power of his well-loved novels, Brand's account deserves a place among the classics of World War II literature for both its literary merit and its rich legacy of personal insights into one of the pivotal campaigns of the Pacific War.
Similar Books by other authors...
Used availability for Max Brand's Fighter Squadron at Guadacanal
See all available used copies of this book at Abebooks UK or Abebooks US
Hardback Editions
September 1996 : USA Hardback
|Title: Fighter Squadron at Guadalcanal
Author(s): Max Brand
ISBN: 1-55750-088-6 / 978-1-55750-088-5 (USA edition)
Publisher: US Naval Institute Press
Availability: Amazon Amazon UK Amazon CA
Paperback Editions
October 1997 : USA Paperback
|Title: Fighter Squadron at Guadalcanal
Author(s): Max Brand
ISBN: 0-671-01431-5 / 978-0-671-01431-5 (USA edition)
Publisher: Pocket
Availability: Amazon Amazon UK Amazon CA
April 1997 : USA Paperback
|Title: Fighter Squadron at Guadacanal
Author(s): Max Brand
ISBN: 0-7838-8103-7 / 978-0-7838-8103-4 (USA edition)
Publisher: G K Hall & Co
Availability: Amazon Amazon UK Amazon CA
Genre Pages


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Lavender Mandala/
Lavender mandala, ultra-thin (that's the type, but it's a misnomer) Sharpie marker, 5x8" unlined Moleskine journal. One of the experiments I'd planned this month was to do something familiar using a new art material. So while the girls were splashing away in the pool (still chilly for me) I drew a mandala.
Quoting from my notes, "Familiar art, new tool - Sharpie. Bleeds - imprecise edges, shows strokes, thick, just don't like the experience." I'm used to an extra super fine or super fine PITT pen so this Sharpie felt mushy, vague, imprecise. Not only that, but it bled through the page.


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First and foremost, commissioner Dan Beebe says, the Big 12 Conference wants Texas A&M to stay.
But it's not waiting idly for an answer from the Aggies.
"We're active in looking at what we're going to do next. We're not just in a holding pattern," Beebe said Sunday evening. "We're making plans for all sorts of alternative situations that may present themselves. I think we would be derelict in our duties if we didn't.
"I think 10 seems to be the number our folks are real excited about maintaining, and we feel we have an attractive group of institutions that might be attractive to others to consider."
Translation: The league will be ready to move on a replacement if A&M bolts the Big 12 for the SEC. That, of course, hinges on the remaining nine member schools staying aboard, which Beebe says a weekend teleconference affirmed. A&M President President R. Bowen Loftin was a participant on the call for at least awhile.
Brigham Young is a widely speculated target if the Aggies leave, though it's uncertain how the Cougars would view a shift in direction as they enter their first year as an independent in football and membership in basketball and other sports in the West Coast Conference.
Beebe declined to address specific schools.
Asked if those deliberations were underway, he said, "Not in an official manner, but it's going to start."
The SEC appeared to slow the A&M move earlier Sunday, when Florida's Bernie Machen emerged from a meeting of league presidents with a statement saying they had "reaffirmed" their satisfaction with a 12-team alignment while recognizing that "future conditions" could prompt expansion.
That came as little consolation. "It's sufficiently ambiguous and open-ended," Beebe said, "to suggest that activity is going to continue." Texas A&M's board of regents is scheduled to take up conference alignment, among other items, when it meets today.
Beebe wouldn't speculate on the odds the Big 12 can head off the Aggies' defection -- "just like last year," he said, recalling the departures of Colorado and Nebraska and the prospect of a mass exit that would have splintered the conference.
"It looked like gloom and doom, and then it didn't. We're just working hard to try to figure out how they can stay with us because of the value that institution has and the quality academic and athletic programs it offers.
"I don't know. We'll see. We've seen the odds stacked against us before."
First-place votes in parentheses.
Football coaches' poll
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Amazon, Google, Or Microsoft. Which Stock Should You Buy Now?
- Amazon, Google, and Microsoft continue to make wise power plays in order to generate growth.
- These companies have a unique strategy of diversification and market disruption.
- Microsoft seems like the wisest investment.
Amazon, Google, and Microsoft are among some of the biggest tech companies on this earth; and they have reached here by making appropriate decisions at the right time. We will be looking at a number of factors in order to determine which is the best stock for a long or short investor.
Amazon (NASDAQ:AMZN) is simply one of the greatest success stories in the post dot-com era, and is a good example of a company with great foresight. After starting as an online bookstore two decades ago, they have morphed into the world's largest ecommerce site. This was due to strategic reinvesting and a good customer service, combined with fast delivery, and a thirst to venture into emerging industries.
They have been able to achieve all of this by using the internet and algorithms to power sales. They were among the first retailers to use email marketing to boost sales, and also led in terms of ecommerce apps. Plus, they have had the intelligence to use their high traffic homepage to sell some of their own products. In fact, they have so much power in the ecommerce arena that questions are beginning to be asked about whether some of their practices are indicative of a monopoly.
From a financial perspective, Amazon continues to perform admirably. Revenue continues to increase, and for Q3 came in at $25.4 billion. And with Amazon drone delivery set to be launched in 2016, longterm costs will go down while revenue is likely to go up as a result of increased customer satisfaction and convenience.
Secondly, Amazon Web Services (AWS) continues to bring in the big numbers. It brings in approximately $6 billion each year, which is close to the revenue Amazon generates from the rest of its entire North American division. Due to the fact that Amazon has an increasing stronghold in the developer community, one can expect the revenue to increase considerably in five years time.
To add to this, Amazon has also made some wise acquisitions, notably; Zappos, Goodreads, and Alexa.
In a similar vein to Amazon, Alphabet Inc-C (NASDAQ:GOOG) came from humble beginnings and has ballooned into the world's leading search engine and advertising platform. Additionally, they are hungry for growth and diversification opportunities. For instance, they acquired robotics company, Boston Dynamics which leaves them well placed to enter the lucrative arms industry in the future.
Closer to home, Google's release of Youtube Red has triggered investor excitement. This service allows users to stream 30 million songs, have an ad-free Youtube experience, and access exclusive content from top Youtubers. Consequently, this allows Google to compete with Spotify and Netflix (NASDAQ:NFLX) in an industry which continues to grow Y-o-Y.
Additionally, Google's self driving car technology is set to mature soon. And with plans to license the software to other car manufacturers, Google is set to increase its revenue considerably in the near future.
Interestingly, Google has outperformed the S&P 500 during the current fiscal year.
Google is looking healthy from a financial perspective. Google's return on invested capital currently stands at 28.8%, and their return on equity is 15%. This reflects good management decisions and a desire to create a stable longterm business.
After being hit hard by the growth of Apple and having to maintain growth in a sea of competition, Microsoft has re-invented themselves. Under the leadership of Satya Nadella, they are reminiscent of an Steve Jobs led Apple.
He has pivoted the company from one that relies on software to one with a more hardware-oriented focus. The 2015 Surface line of products was met with widespread acclaim by the press and consumers. It is far from being the market leading tablet..., that title belongs to the iPad; however, it has served as inspiration to other Windows laptop manufacturers.
Additionally, Microsoft is hungry to break into new frontiers. Earlier this year, they announced a virtual reality headset called Hololens. It allows consumers to 'beam' screens onto real-world objects. So, for example you could set it to stream social media content whenever you look at your fridge. It also integrates with Microsoft's other products, such as Xbox One, and Office.
Quite simply, there is nothing like it.
Microsoft also continues on its customer acquisition spree by developing a range of free productivity tools such as Onenote, Onedrive, and Sway. Moreover, Skype remains the ip call software of choice for professionals.
Moreover, Microsoft is going toe-to-toe with Amazon in the cloud space with Azure. To quantify their success, Azure adds 10,000 new users per week, 2 million registered developers, and 350 million active directory users. It has a long way to go before catching up with Amazon's AWS; however, with the cloud infrastructure set to double over the next 3 years, Microsoft can add some significant revenue.
When it comes to finances, Microsoft is riding a wave that just keeps going up. Besides outperforming the S&P 500 on both the stock performance as well as net income growth, they have a net profit margin of 22.67%. If that wasn't impressive enough, net operating cash flow is up by 2.87%.
In conclusion, Amazon, Google, and Microsoft continue to stand as giants in the tech industry. The one thing that ties them all together is an insatiable appetite for growth, diversification, and innovation. Interestingly, Microsoft is currently the only company out of the three that gives out a dividend to investors. This doesn't necessarily mean that Microsoft is the best stock, but it is worth thinking of.
Amazon continues to drive the strategy of being everything to everyone. At this moment in time, it leads the growing cloud infrastructure industry by a big margin. Moreover, due to having the willpower to reinvest profits, they have been able to make some key acquisitions for the future. With regard to their financial information, strategy, and incoming products and services, they appear most likely to grow with regard to stock value, and build a stable company.
Google is a company making great inroads. Its recent Youtube Red offering is set to add significant revenue to their topline, and could out-compete Netflix and Spotify. Additionally, their Android platform continues to eat up market share.
Finally, Microsoft is the best stock to invest in. This is due to the fact that Microsoft is making in-roads in the tech hardware industry, and have key developments in place in order to fuel future growth. Plus, with Satya Nadella at the helm, they finally have an innovative leader, who is willing to take risks. All things considered, Microsoft stock looks like the most likely to increase significantly in value.


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How to Redeem a Japanese Mobage MobaCoin Card
Now that you've created your Mobage account, it's time to charge that baby up, to ensure you can get the most out of mobile gaming that Japan has to offer.
This 4-steps tutorial will teach you how to redeem a Japanese Mobage MobaCoin Card.
While logged into your Mobage account via your mobile device, move to the bottom button named "マイページ" or "My Page" and click the box displayed in the image below to continue.
Be sure to click inside of the scroll box and find "Mobage モバコインカード" and select that.
Click the huge red button after selecting the proper portion of the drop down, as shown in the image below.
At this point you will enter your 10-digit MobaCoin Gift Card number into the boxes provided. Tap the red highlighted button, as shown in the below picture to continue the process.
Congratulations! You have now redeemed your credit onto your Mobage account.Don't forget to top off your account with some Mobage MobaCoin Card credit before starting! What are you waiting for!? Get gaming, and have a blast!


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FORMER Sydney FC midfielder Richard Garcia has signed a deal with second-tier North American Soccer League outfit Minnesota United.
The 32-year-old will join former Sky Blues teammate Tiago Calvano at the club for the remainder of the NASL's spring championship.
Minnesota currently sits atop the ladder with four wins in as many games.
"This is a great opportunity for me to continue playing uninterrupted from the A-League season, and I am very excited to join Minnesota United FC with the goal to help the club secure a spot in the NASL Championship," he told the club's website.
"I have been paying close attention to the team from Australia and am pleased that the club has set a high standard securing the full twelve points so far in the NASL spring season.
"I expect my transition to be much easier after playing with Tiago at Sydney this past season." It's unclear whether Garcia will return to the A-League after his stint abroad, with his contract at the Sky Blues having expired at season's end.
Minnesota head coach Manny Lagos said he was excited to add a player with the experience of Garcia, who has previously enjoyed stints at English Premier League outfit Hull City as well as West Ham and Colchester.
"He has been a player that's had a great career all over the globe and we are thrilled to add someone of his quality to our team," Lagos said.
The NASL is America's second division competition, behind only the top-tier Major League Soccer, with 10 teams across the United States and Canada.
Originally published as Garcia joins second-tier Minnesota


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North Shore Medical Center Sued for Accidentally Injecting Grandpa With Execution Drug
Richard Smith was admitted to North Shore Medical Center with complaints of shortness of breath and stomach trouble. Instead of giving him proper care, a nurse accidentally stuck Smith with a syringe full of pancuronium, one of the drugs used in lethal injections. Seventy-nine-year-old Smith later died, and now his family is suing. Meanwhile, the nurse responsible for the mixup is still working.
Smith was admitted to the hospital July 30, 2010. The nurse, identified as Uvo Ologboride by the Daily Mail, meant to give Smith a shot of Pepcid to ease his upset stomach but accidentally grabbed the lethal injection drug. The nurse then left Smith alone in the hospital room for a half-hour.
The drug, used as a muscle relaxant, sent Smith into respiratory arrest. Doctors were able to revive him, but Smith died a month later.
Smith, who had been married to his wife Lula for 50 years after meeting her in college, raised four kids and took care of ten others.
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Now the family is suing North Shore and wants to make sure nothing like this happens again.
"I'm mad because it seems like you can take a life and you don't have to answer for it," daughter Vickie Jackson told WSVN.
"Our hearts go out to the Smith family for their loss," reads a statement released by the hospital. "This was a tragic event that was immediately self-reported to the agency for health care administration. We conducted an internal review and have several new processes in place to ensure a situation like this doesn't happen again."
However, the family's attorney says the nurse responsible for the mistake continues to treat ICU patients at the hospital.
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European CME Forum is a not-for-profit organisation dedicated to bringing together all stakeholder groups with an interest in European Continuing Medical Education. It facilitates multi-channel discussion in an independent and neutral environment to promote the advance of high quality CME in Europe.
We believe that information that ultimately improves patient care should be open for all to see, therefore everything we do and present is, where possible, captured, reported and archived, and accessible for free. Over the years we have built up what must be the largest CME resource in Europe. We also set up, finance and manage the peer review open access Journal of European CME (JECME), which, as well as being free to access, is currently free for authors to submit to. JECME is in the middle of being moved to our new publisher, Taylor & Francis, which should be completed by the end of February, in the meantime check both the old site here, as well as the new one here.
If you would like to know more about European CME Forum and our journey so far, take a look at this presentation.
As always do please get in touch to let us know your news, thoughts or ambitions for CME in Europe.
Best wishes,
Eugene Pozniak
Programme Director
email: email@example.com
The Tenth Annual European CME Forum
10th Annual European CME Forum is well underway!
Thank you for all your feedback both on the day in Amsterdam at #9ECF, as well as the post-meeting survey, we have been working hard developing the agenda for the next meeting. We are delighted to be presenting our next Forum in collaboration with, and at the home of, the Royal College of Physicians of Ireland.
We will be posting first information about the 10th Annual European CME Forum very soon, make sure you are signed up to our database to be the first to hear of developments (enter your name and address on the right).
#10ECF venue: Royal College of Physicians of Ireland, Dublin,
Date: 8-10 November 2017
There will be the usual pre-#10ECF workshops on the Wednesday morning (for accreditors, medical societies, providers and industry), #10ECF will start at lunchtime, and finish at lunchtime on the Friday.


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Superfund Site: OLD INGER OIL REFINERY
Superfund Site Profile
Current Status
Environmental Protection Agency (EPA) initiated the third Five-Year review in January 2017. The second Five-Year review was initiated in January 2012 and was completed in August 28, 2012.
During 2008 the EPA prepared a deletion package for this site. A Notice of Intent to Delete was published in the Federal Register on June 13, 2008. The public comment period closed July 14, 2008. No adverse comments were received; deletion became effective August 12, 2008.
In 2007, the EPA completed the first Five-Year remedy review and found the remedy protective of public health and the environment. A public notice was published in a local newspaper and a fact sheet was mailed in March 2007.
Site Background
The 19-acre Old Inger Oil Refinery site is located near Darrow, Louisiana. A former oil refinery and waste oil reclamation facility operated on site beginning in 1967. Old Inger Oil Refinery bought the site in 1976 and operated the facility until 1978. Improper waste oil disposal activities contaminated soil, sediments, sludges, groundwater and surface water with hazardous chemicals. Following construction of the site's remedy, EPA took the site off the Superfund program's National Priorities List (NPL) in 2008.
National Priorities Listing (NPL) History
Proposed Date: 12/30/1982
Final Date: 9/8/1983
Deletion Proposal Date: 6/13/2008
Final Deletion Date: 8/12/2008
Location: Between Highway 75 and the Mississippi River, Ascension Parish, midway between Baton Rouge and New Orleans. 4.5 miles north of Darrow.
Population: 367 people live with 2 miles of the site. 19,500 people live within 10 miles of site.


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How to Create A Business Plan For Bank Funding
If you are seeking help on how to create a business plan to obtain funding from a bank there are a few critical things you need to know. Contrary to public belief banks continue to lend to small businesses. The only difference now is that the lending criterion has tightened significantly following the global financial crisis and the need for a clear concise business plan remains absolutely critical.
When thinking about how to create a business plan for banks it is important to remember that the bank only care about two things:
- Will they be repaid?
- Can the loan be serviced?
In answering these questions it is only natural to think that the emphasis will be on the financial section of the business plan. While this is true to some extent, in order to produce financial projections that will ultimately alleviate these concerns it is important to focus on the key risk factors in your business model and explain clearly how they will be mitigated.
Banks are driven by credit risk and they use business plans to evaluate the level of credit risk in business proposals. What do we mean by credit risk? Well, put simply, it is the term they use to describe the probability of default i.e. how likely it is that they won't get their money back! This also dovetails in with the ability to service the interest payments. While this is a quantitative measure it is heavily dependent on the qualitative analysis in your business plan and is driven by factors such as:
- Market and customer analysis
- The uniqueness of your product offering
- Competitive landscape
- Management team
- Having a business action plan
What To Focus On
Banks are also heavily influenced by "risk appetite". This is a term banks use to measure how much tolerance they have for certain sectors of small business. Banks run their business like a portfolio and as such weight the portfolio, in terms of level of investment, based on the risk v return. This is why it is important when learning how to create a business plan for a bank to focus on the pressure points in the headings above.
Now, you will have no idea of what the banks tolerance to certain sectors are because they are a moving target and vary from bank to bank. It is therefore imperative that you explain in detail your market characteristics in terms size, profitability and forward-looking trends to demonstrate the potential opportunity. It is equally important to define your target customer and their buying behaviours in terms of price sensitivity and frequency to describe what they want, rather than what you think they need. This will compliment the sales and marketing strategy employed by you business.
Unique Selling Point of the Product
Uniqueness is equally critical when thinking about how to create a business plan that will be palatable to banks. When discussing your product offering concentrate on what is unique about it and how it solves the problem your target customers have. Even if you offer a generic product try and identify something about your business model that provides uniqueness. That could be in the way it's delivered or after service or maybe even a culmination of your overall offering that adds value.
Competitive Landscape
One of the key factors when considering how to create a business plan for banks is to demonstrate and keen understanding of the competition. Given a large percentage of businesses fail in the first two years banks are extremely interested in the level of competition you will be faced with and more importantly, how you plan to compete. It is imperative when you create a business plan to outline the relative strengths and weaknesses of the competition and highlight where you think the opportunities lie. This forms the basis of your business strategy and will hone your overall business model.
Management Team
Banks are will also expect a statement on why you and your team are qualified to run the business and execute the business strategy. Anyone can pay for a business plan to be written for them so banks want to know that there is adequate experience and technical expertise in the management team to lead the business to success. This does not mean you have to append a six page CV. Quite the opposite in fact. A short statement on each key team member summarising experience and qualifications is more than enough. You can always provide a more details management statement if the bank requests it.
Business Action Plan
This is a key component to include when thinking about how to create a business plan for bank funding. As we indicated earlier, banks want to know how they will be repaid and when. In order to answer this questions a specific, measurable plan must be devised. This means detailing a plan of business objectives and identifying the key events that must be accomplished for each business objective. The plan must attribute accountability to a team member, preferably a specialist outlined in the management statement, and also provide how much it will cost to meet the business objective and a definite timeframe around each milestone. Providing a clear measureable plan to accomplish the key objectives shows good management and also goes a long way to mitigating perceived risks in the business model.
What to Include In The Financials Section
All of the analysis above flows into your financial plan to support the assumptions that you use to generate projections. These are the forward-looking financial numbers in your business plan. When we advise our clients on how to create a business plan for bank funding we always focus on answering the two questions they most want answered. This involves using a financial model that focuses on cash flow because when you get write down to the bottom line it is cash that will repay debt and service it along the way. Profits are an accounting manifestation of financial performance and are wide open to manipulation – banks are only too aware of this.
When thinking of how to create a business plan for banks it is important that you have some analysis around working capital and cash flow in the business. Too many business plans show only a cursory overview of the cash flow and concentrate on sales forecasts. While this is important it doesn't really provide banks with the data they need to make a credit assessment of your business plan. Working capital analysis (the use of cash in the business) is pivotal to answering that burning questions banks have – will the loan be serviced?
A good financial section will include the following:
- Quarterly Profit and Loss Statement (Sales Projections)
- Quarterly Balance sheet
- Monthly cash flow projection
- Working capital analysis (debtors days, creditors days)
- Interest cover ratio (how many times can free cash flow cover interest)
- Debt payback period (how long will it take to repay the loan)
- Gearing ratio (Debt to equity ratio)
Many business-planning resources do not provide adequate financial information to permit a proper assessment and this leads to entrepreneurs being unnecessarily rejected for funding. It is important for your business to use a three way cash flow model that monitors the income and expenditure (profit & Loss), the assets and liabilities (balance sheet) and the cash movements in the business (cash flow statement) throughout the year. So that a reliable picture can be presented not just for credit assessment but for managerial decision making.
If you are wondering how to create a business plan to attract bank funding for your business you can subscribe to our newsletter and keep revisiting our blog for more detailed information and useful learning resources.


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- Custom Responsive Websites - (5-10 pages)
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- BayNet-hosted customers: Sites start @ $2,000. -(40 hrs @ $50 per hr)
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Let us know when your receive great advice so we can thank our lawyers and point others with similar questions in the right direction.Got it!
My boyfriend and I got pulled over due to registration (We needed to renew our tags). We were aware of this. But a few months ago my boyfriend was charged with burglary in the second degree (in a target). The officer told us that they can search our car and take us back to our house and search there too, which they did. They found pot and took him to jail. But is it even legal for them to do this? I was told he wouldn't have lost his search and seizure rights unless he was registered as a drug offender, which he is not.
Probation searches are not limited to drug offenders.
The court can impose reasonable conditions on someone who is on probation. Your boyfriend's probation terms apparently include some sort of condition requiring him to submit to law enforcement searches of his car, home, person and other property.
The search can be for stolen property, burglary tools or drugs, depending on the offense.
Because you live with him, they can search any part of your house that he can access.Ask a similar question
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