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Quick, without thinking about it, answer this question: What's the most important thing that's happened in America on climate change over the past year? The tragedy of Superstorm Sandy? President Obama's State of the Union address? Sixty percent of America in the grip of a devastating drought? All fair answers. But here's mine: The leadership of American cities.
You'd be forgiven, if you thought that the only city that really mattered in the fight against climate change was Washington, DC. Often that's the story we hear: Even as more and more Americans call for climate action, political gridlock in Washington continues. But this same-old-story misses a major development: American cities, long on the front lines of extreme weather and climate change, aren't waiting for Washington any longer.
Seeing cities move ahead is big news. Beginning in 2009, for the first time in world history more humans live in urban centers than in rural areas. Proving we can create resilient cities that are prepared for extreme weather and powered by renewable energy offers a blueprint for success in the face of growing climate changes.
Over the past year, I've had a great seat to watch this quiet climate revolution. Twelve months ago, WWF launched the Earth Hour City Challenge to encourage cities to prepare for extreme weather and reducing their carbon footprint. The Challenge has run in six countries (United States, Sweden, Italy, Norway, Canada and India). Nowhere has it been a bigger hit than here in America. Nearly 2,000 American cities were nominated for the Challenge and twenty nine local governments met the rigorous criteria. One will be selected as America's Earth Hour Capital and another will be chosen, by people like you, as the People's Choice. The finalist cities for the People's Choice award in the US are San Francisco, Cincinnati and Chicago.
This first year of the Earth Hour City Challenge has been inspiring. It has reminded me that there is so much progress happening around the world, offering a glimpse of a safer, prosperous future that's within our grasp. So why are many American cities able to succeed where most US states and the federal government have so far feared to tread? Here are three reasons:
More practical than political
Running a city is hard, often thankless work. Making sure that the lights stay on, the trash is collected and roads remain passable during storms requires a practical, common-sense approach. Perhaps for this reason, studies show that people trust their local government more than Washington. From a city's perspective, extreme weather and climate change are causing and will cause real-world problems, like: increased stormwater runoff overwhelming sewers and culverts, more extreme heat days that increase hospital visits for the young and old, rising sea levels and storm surges that flood coastal infrastructure. In this context, the shrill Washington debates around cap-and-trade and protecting oil company subsidies fade to background noise. These cities are facing real world problems and they need to move now toward practical solutions.
Chicago's ambitious climate action plan is a model that other cities are beginning to follow. The Windy City is improving the resilience of its transit system to extreme heat and urban flooding. Chicago also holds the top spot among U.S. cities in the installation of green roofs and has the largest urban solar electricity generation plan. "The work we are doing builds economic strength and environmental health today and ensures Chicago's quality of life over the long term," said Chicago Mayor Rahm Emanuel.
More space to innovate
With climate change seen as a practical rather than political problem, cities can take advantage of their powers to innovate. In Ohio and 5 other US states, cities have the power to choose their own electricity provider. (Shouldn't all cities have that power?) By aggregating the city's power demand, Cincinnati has negotiated a new contract that supplies 100% renewable energy at prices lower than conventional, dirty electricity! The average resident saves $133 per year and the city is reduces climate pollution equivalent to taking over 100,000 cars off the road. "Our electric aggregation deal allows all of our citizens to receive 100% renewable energy," said Cincinnati Mayor Mark L. Mallory. "Cincinnati has become a national leader in green energy and we are going to continue to lead by example."
Breaking down the silos
Climate change is often talked about as an "environmental issue" that should be dealt with by environmental experts. Cities know better. San Francisco is mainstreaming its climate response by requiring all city departments to produce climate action plans. The city will soon launch a new campaign called Climate Resilient SF to bring the public and businesses into the solution. "Our City's progress in reducing greenhouse gas emissions to 14.5% below 1990 levels shows that it's possible to have a growing, dynamic economy and lower our carbon footprint at the same time," said San Francisco Mayor Ed Lee.
Of course, in order to spread these models across the country and move fast enough to avoid the worst impacts of climate change, Senators, Members of Congress and a President in one particular American city need to quickly step up their game or face the wrath of voters.
While you're waiting for the chance to hold our timid Washington leaders accountable, vote for a real climate hero and catch a glimpse of an amazing future just waiting for us to choose it.


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Carys Auto Sales is located at 24261 Us Highway 98, Fairhope, AL..
Carys Auto Sales can be found at Us-98 24261. The following is offered: Used Car Dealers. The entry is present with us since Sep 7, 2010 and was last updated on Nov 12, 2013. In Daphne there are 10 other Used Car Dealers. An overview can be found here.

subset: commoncrawl


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As part of our Top Performers in Sales series, we recently had the privilege of interviewing Ed Calnan, Founder and President of sales enablement solution provider Seismic. Ed offers perspectives on high performance sales from two angles -- as a leader of a high growth SaaS company, and as an enabler of sales productivity and collaboration for Seismic customers.
When asked what differentiates the best people in sales, Ed cites three key traits: 1) The ability to understand and navigate organizations, 2) Proficiency in addressing business problems, and 3) Discipline to learn from wins and losses. Ed and his Seismic team are uniquely skilled at these pursuits as innovators in customer engagement, sales process, and Account Based Marketing.


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Fujifilm has announced that its CompactFlash cards have been selected for Adventure Ecology's epic expedition across the ice of the Arctic ocean, from Russia to Canada via the North Pole.
The rise in global temperatures means this transcontinental ice route may soon be inaccessible by man, and the images documenting the team's journey may become our last record of this path.
Britons David de Rothschild and photographer Martin Hartley, make up part of the four-person team, departed early-March from Cape Arctichesky in Russia and are travelling across the ice towards the North Pole, then on to Canada. The trip covers 1,240 miles, and, if completed, will be the first time that Britons have made the surface polar crossing from Canada to Russia.
Images and reports detailing the expedition's day-by-day progress can be found atwww.adventureecology.com
as well as other interesting information.
Capturing images in such extreme conditions is a challenge in itself; Martin Hartley chose memory cards that can withstand temperatures as low as -50ºC. The explorers need 100% reliability in the technology, as replacing a memory card without gloves could result in severe frost-bite.
The high performance Fujifilm cards have been designed to perform in these extreme conditions. The cards' components and metal casings have been specially selected to allow the card to be fully operational at -50ºC. In addition, the cards' low power circuitry and auto-sleep function make efficient use of the battery power of the supporting camera.
Duncan Way, Fujifilm's Senior Product Manager for Digital Media, said: "Our technicians relished the challenge of creating products that the Adventure Ecology team could rely on in such an extreme environment. Fujifilm has a strong reputation for developing trustworthy and reliable products and these cards join a well-established range of Fujifilm media storage. The journey these brave explorers will embark upon is nothing less than historic and we were honoured to help document this trip for future generations. If we can do our bit to raise awareness of the potential impacts of climate change, then we'll be especially happy".
Martin Hartley, Adventure Ecology team member and photographer, said: "As a film user, Fujifilm came to be a brand that I could rely on - it follows that I would want the same level of reassurance when I record my images on digital media. Although the safety of the explorers is any expedition's first preoccupation, getting the images back safely is our number two priority. We're hugely excited by the challenge ahead and know that with the help of Fujifilm, our equipment won't fail us".
The adapted expedition Compact Flash cards are not commercially available at the time of writing, however special enquiries can be addressed direct to Fujifilm UK.


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German teacher (Johannesburg)
Hi there! We are moving to Johannesburg in early April and are urgently looking for a qualified German teacher for our seven year old son. All members of our family speak German in their mother tongue. Our son has visited a British school and is already able to write and read in English, but needs support in German! Who knows someone who knows someone .... Thanks!


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This international franchise is the leader in children's supplemental education services. Protected territory, training, support, marketing. State of the industry curriculum w/STEM & support for Common Core State standards. No formal teaching exp. needed. Strong financials, E-2 Visa likely. Owner retiring. Stated NOI assumes Buyer will assume GM role. With the number of K-12 students increasing & rise in education standards, this is a no miss business with nothing but upside. Additional locations avail. Please refer to listing #0101-76552 & ask for Randy Bring when inquiring.
1400 sq. ft. in retail plaza @ $5564/mo.
Seller will train for 1 week, full franchise training provided
Transworld Business Brokers


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September 24, 2010
Ingram Barge cuts towboat emissions
Officials of Ingram Barge Company and the Mississippi River Corridor - Tennessee (MRCT) today announced the results of an air emissions reduction program for towboats operating on the Mississippi River.
Funding for this effort was awarded to MRCT by the U.S. Environmental Protection Agency as part of the Clean Diesel Emerging Technologies Program.
Ingram participated in the program by retrofitting six towboats with diesel oxidation catalyst (DOC) units and closed crank case emission control system. The device fits inside the exhaust system of a towboat engine and reduces the amount of pollution resulting from burning diesel fuel. The DOC units were manufactured by Environmental Solutions Worldwide Inc., a retrofit technology provider. Testing of the units was performed by Emisstar, an energy and emissions consultancy.
Mississippi River Corridor - Tennessee is a non-profit organization that works on economic development and land and wildlife preservation in the six West Tennessee counties that border the Mississippi River.
Today, an Ingram towboat, the Motor Vessel Patricia I. Hart, which is equipped with the new DOC system, was available for public inspection at Mud Island River Park at 101 North Island Drive.
Representatives from the project partners reported significant reductions in particulates, carbon monoxide, and hydrocarbons from exhaust emissions from the retrofitted vessels. Emissions testing has shown that the new DOC systems exhibited average particulate matter reductions of more than 40 percent and carbon monoxide and hydrocarbon reductions of more than 60 percent.
"Ingram is proud to have joined forces with MRCT and the other project partners to demonstrate new ways to further reduce the pollution associated with river transportation, which is already the most environmentally friendly mode of bulk freight transportation," said David Sehrt, Ingram Barge's Chief Operating Officer.
Mr. Sehrt noted that Ingram's participation in the EPA's Clean Diesel Emerging Technologies Program is part of the company's overall commitment to environmental sustainability.
In February, Ingram was named as one of the first marine transportation companies to be accepted as a partner in the EPA's SmartWay Program. Launched in 2004, the EPA program identifies products and services that reduce transportation-related emissions.


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Who is Stephen Port, who were the victims of the Grindr serial killer and what is the drug GHB?
Stephen Port murdered men he met through a gay dating app to fulfil his sexual fetish for 'twinks'
A MAN dubbed the Grindr serial killer drugged and murdered four young men he met on a dating app and for carrying out a number of sexual offences.
Stephen Port lied to police, disposed of his victim's mobile phones and planted a fake suicide note on one victim which took the blame for the death of another.
Port will spend the rest of his life in prison after receiving a whole-life sentence at the Old Bailey in London.
Who is Stephen Port?
Stephen Port, who was trained as a chef, has previously been reported to have worked as a rent boy.
He featured in an episode of Celebrity Masterchef two years ago, wearing chef's whites and mingling with famous faces.
The killer, now 41, helped celebrity chefs make pasta and meatballs for more than 100 bus drivers in an episode broadcast in 2014.
He is thought to have worked at the West Ham bus garage for more than 10 years.
The Daily Mail reported one ex-boyfriend said he also worked in door-to-door sales, and he had just started a new job stocktaking before his arrest.
Port also claimed to have spent time as a special needs teacher at a catering college in King's Cross and to have served in the Royal Navy.
After his arrest his parents said these claims, and that of his status as an Oxford University graduate, was false.
His mother said his school thought her son was deaf because he didn't "speak up".
Throughout the trial the court heard Port, of Cooke Street, Barking, east London, was obsessed with "drug rape" pornography and this led him to drug and sexually assault gay men.
He was a frequent user of the gay dating app Grindr, and would meet men using this app and other sites over the course of more than three and a half years.
Who were Stephen Port's victims?
He is guilty of the murder of Anthony Walgate, Jack Taylor, Daniel Whitworth and Gabriel Kovari, with an overdose of date-rape drug GHB.
Anthony Walgate was a student who had dreams of being a famous fashion designer.
Port had pleaded guilty to perverting the course of justice in relation Mr Walgate's death and was sentenced to eight months imprisonment.
But, by the time he was jailed Port had gone on to claim the lives of two young men.
Slovakian Mr Kovari, 22, and 21-year-old chef Mr Whitworth, from Gravesend, in Kent, were murdered within weeks of each other in August and September 2014.
Both, like Mr Walgate, had died of GHB poisoning and were found in an almost identical position in St Margaret's churchyard - near Port's flat in Barking.
Port killed again just three months after being released from prison, in September 2015, when night shift forklift truck driver Jack Taylor, 25, was found near the same churchyard.
The families of the victims have since spoken out, slamming "homophobic" police for failing to link the deaths of the four young men.
A relative of Anthony told the BBC for the programme How Police Missed The Grindr Killer: "I totally believe that the Barking and Dagenham police that investigated Anthony's death and the others are homophobic.
"I genuinely believe that if Anthony had been a girl left outside like trash they would've put a lot more effort into it, a lot more effort. As they were all young boys, they did nothing."
An IPCC investigation was launched into the Metropolitan Police's handling of the response to the four deaths, this is still ongoing.
The mother of Jack said: "Stephen Port took Jack's life but they let that happen as far as we're concerned.
"They are just as guilty as him, they should be held accountable for his death as they could've prevented it and we have to live with that for the rest of our lives."
Why is Stephen Port knownthe Grindr serial killer?
Port met his victims on the dating app Grindr.
After his arrest he was dubbed the Grindr serial killer.
He filmed himself having sex with unconscious men, was obsessed with drug-rape pornography, and was attracted to smaller, boyish-type men known as 'twinks'.
Port drugged his victims by spiking their drinks or injecting them in the anus with drugs which he claimed were lubrication.
In total, 12 men are said to have been attacked by Port over three-and-a-half years, between 2012 and 2015, four of which died of an overdose of the party drug GHB.
Port denied four counts of murder, four counts of manslaughter, four counts of administering a poison with intent to endanger life or inflict grievous bodily harm, seven counts of rape, six counts of administering a substance with intent to overpower to allow sexual activity, and four counts of sexual assault by penetration.
What is GHB - gammahydroxybutyrate?
Gammahydroxybutyrate (GHB), otherwise known as the date rape drug, was used by Stephen Port during the string of horrific murders targeting young gay men.
The drug can be used as a general anaesthetic but due to its stimulating, addictive properties, has also become a known party drug.
It can make a user feel numb or groggy, as well as leaving them with little ability to recall events while under the influence of the drug.
It was made illegal in 2003, with a derivative GBL then being manufactured before it was made illegal as well in 2009.
Met Police announced last year that it would examine more than 50 deaths related to the drug after the conviction of serial killer Stephen Port, BBC reported.
Staying safe using Tinder or Grindr
Dating app Tinder suggests the following to remain safe when meeting an online date:
– Get to know the other person before meeting them offline and do your research
– Always meet in public, never in a private or remote location
– Tell a friend or family member your plans, tell them where you are meeting and when you will return
– Drive yourself to and from your first meeting, be in control of your own ride, even if you take a taxi
A documentary which unravels Port's sinister character How Police Missed the Grinder Killer will be shown on BBC One on Tuesday at 10.45pm.


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September 21, 2012: A protester carries a representation of a U.S. flag as police vehicles burn in Karachi, Pakistan Tens of thousands protested against the film around the country after the government encouraged peaceful protests and declared a national holiday, "Love for the Prophet Day."
September 21, 2012: Protesters torch a cinema in Peshawar, Pakistan. Demonstrations turned violent and scores of people were killed, including a driver for a Pakistani television station, who died after police opened fire on rioters torching a cinema in the northwest city of Peshawar during a protest.
September 21, 2012: A Pakistani protestor hurls back a tear gas canister fired by police during a clash in Karachi, Pakistan.
September 21, 2012: Police chase protesters during an anti-U.S. rally in Peshawar, Pakistan.
September 21, 2012: Pakistani police officers fire tear gas and rubber coated bullets toward protesters during clashes that erupted as the demonstrators tried to approach the U.S. embassy in Islamabad, Pakistan.
Pakistan's government had called for a day of peaceful protests -- but the demonstrations today against the anti-Muslim film produced in the United States have been anything but peaceful, leaving at least 17 people dead.


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African American Art, Safari Tribal
Alice In Wonderland
Angels, Cherubs
Angel Figurines
Animals Bear to Zebra
Aromatherapy, Massage
Essential, Magick Oils
Art Nouveau, Jewelry
Art Prints, Sculptures
Aztec, Mayan Art
Band Merchandise, Buttons
Baskets, Trays
Bath and Body
Bed, Pillows
Beer Signs, Beer Clocks
Betty Boop Clothing
Hats, Jewelry
Betty Boop Collectibles
Birdhouses, Bird Feeders
Books, Metaphysical
Bookends, Bookmarks
Buddhism, Eastern Religious Icons
Candles, Oil Lamps
Tealights, Votives
Candle Holders, Snuffers
Cars, Jets, Trains
Cartoon, Anime
Celebrities, Marilyn, Elvis
Celestial Sun Moon Stars
Celtic Design, Irish Signs
Chess Sets, TicTacToe
Clocks, Wall Clocks
Clocks, Neon
Clowns, Jesters
Coca-Cola, Pepsi
Diner Neons, Nostalgia
Crosses, Inspiration
Crystals, Gems, Stones
Crystal Jewelry
Dolls, Victorian Gifts
Dragon Collectibles
Dragon Figurines
Dragons, Jewelry
Dragons, Posters
Egyptian Art, Statues
Egyptian Collectibles
Egyptian Deities
Egyptian Jewelry
Egyptian Wall Sculptures
Fairy Collectibles
Fairies, Jewelry
Fairy Figurines
Floral, Plants
Football, Sports Gifts
Frank Lloyd Wright Collection
Gameroom Billiards
Garden, Hammocks
Planters, Wall Plaques
Gargoyles, Griffins
Glass Art
Glassware, Goblets
Ancient Goddesses
Goddess, Kuan Yin
Gothic, Skulls
Gothic Jewelry, Dolls
Greek Art, Mythology
Herbs, Spices
Hindu Art, Statues
Holiday Decorations
Incense, Burners, Censers
Kitchen, Cookware
Knights, Castles
Jewelry, Amulets, Boxes
Lamps, Lighting
Latino, Spanish
Lightswitch Plates
Magick, Spell Supplies
Motorcycles, Harley, OCC
Mousepads, Computer
Music, Rock Bands
Nautical, Lighthouses
Ocean, Ships
Neon Parts
Neon Sculptures
Oriental, Feng Shui
Oriental Dolls, Figurines
Pegasus, Carousels
Perfumes, Bottles
Pet Heaven
Places, City Skylines
Shelves, Cabinets
Star Wars, Star Trek, UFO
Stickers, Decals, Cards
Swords, Daggers
Letter Openers
Tarot Cards, Bags, Boxes
Oracles, Supplies
Tea Sets, Coffee Signs
T-Shirts, Hats
Unicorn Collectibles
Unicorns, Jewelry
Western, Native American
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How to Order
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Kuan Yin Lotus Meditation
Kuan Yin, originally known as Avalokiteswara ('the Lord who regards'), is a highly revered manifestation of the Buddha who appears in Chinese scriptures around 400 A.D. Kuan Yin means 'one who hears the cries of the world' and personifies the compassion of the Buddha for the needy. She is the embodiment of the yin principle. She is usually represented as a young female deity but she has the power to assume whatever form necessary in order to carry out her vow which is to appear in any way necessary to lead beings out of suffering. She is often shown holding a vase containing the waters of compassion, the lotus flower of enlightment or the jewel of three treasures.
Bonded Stone with golden finish.
7" high x 4.5" wide x 4.5" deep
Item #KYO61GR
Copyright 2013 {Mystic Unicorn} All rights reserved.


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JP Browne Trucking & Rigging offers industrial-grade, high-volume cargo transportation. The company serves a mainly commercial client base for heavy duty equipment and machinery moving.


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Take Me to the Moon
Reads: 453 | Likes: 0 | Shelves: 0 | Comments: 21
Poem by: WinterFairy
Take Me to the Moon
Find me a boy
Who will travel the world with me
And at the end
He will say I was the best thing he saw.
He will be kind
And give me everything I want
Even though
I ask for absolutely nothing.
Beneath the stars,
He will recite Shakespeare
And sing
While looking into my eyes.
When sad,
He will be there to dry my tears
Without me
Having even to call upon him.
He will spend hours
Playing with me in the snow
And only after
Will he say that he is freezing.
We will go fishing
And as the sun sets we will swim
And on the sand,
He will ask me where I want to go.
He will hold my hand
And I will tell him as the sun goes down,
"Take me to the moon"
And, smiling, he will say yes.
He will tell me
That we will look at earth from above
And never
Will we be separated from each other.
Find me this boy,
For I have searched everywhere
To no prevail.
© Copyright 2018 WinterFairy. All rights reserved.
Add Your Comments:
Man that's touching you really are great pal, I like you I Like your poems, I like everything you post, KEEP ME UPDATED :)
I agree with AbrahamX!!!
~future author
Wow! That sounds like one awesome dream guy! You have to let me know when you find him k? Ok good. It was fantasmagorically written might I say and I hope you find that this guy exists someday!
That's one awesome dream guy u have there:)
Keep me updated if u have any more poems:)
XOXO, VAngel:)
Sorry, i made laugh in that condition, I'm really sorry about that I hope you didn't stained anything :P
Very touching and imaginative poem :)
Great poem! I enjoyed it mucho.
Very nice, :) -YanaJade-
I liked this poem. I think everyone dreams of a dream guy that is kind of like this. Maybe everyone's own interpretation of their own dream guy but I think they're all basically the same. You do real well at free verse. You should try it more often! Great job! It's very beautiful and you describe him well!
Wow, how romantic .... Loved it, I too want that boy dear :)
Very well written, interesting and indulging, keeps you pen moving :)
Wish you find the impossible boy lol :) Niceee
Nice poem hope you find him and thanks for the read :)
Beautiful poem, I'm happy you asked me to read it. All I kept thinking while reading it was, I found him, I found that guy :) and there is one out there for evry1
You were right.I LOVE this poem.You described my dream guy :D I'm still in the process of finding one but I know he's out there XD Keep me updated if you have any other poems :)
That was a sweet dream! I hope you find your dream boy soon and explore the moon together!
I'm officially in my 23rd year of looking, and once, just once, in the 21st year, I found him! Wow! It was out of this world! I finally knew what unconditional love was... then, well, someone else had found him first it turned out. Sadly, now that I know one exists, the marker has been set and with the other offers now, I'm not going to settle for less. Thanks for showing me that you are searching too :-)
Oh gosh :) im still only in my teens, so....i dont know love seems like a faraway thing still to me; something that cant be reached....im hoping to find a nice guy for me tho :) good luck to you as well! Sorry about your first love.....well, there are plenty of fish in the sea!
It's a wonderful poem. I hope you find your dream guy one day
AwwwwC: I really liked it! It was sweet and hopeful:D Thanks for the wonderful poem experience!! Hehe;)
Yay im glad that you liked it :) see, i told you poems arnt all that bad! I agree with you though that, yes, most often than not they can be very confusing :) you just gotta find a good poet, and have an open mind about it. Thank YOU for reading and broadening your writing knowledge :)
Just the first 4 lines of this were enough to lead me into reading this amazing piece of writing, it's idealistic and sweet as well. I wish!
So romantic, I feel love is in the air for anyone who wants to catch. Nice writing dear.
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Hey guys! It's Young Money here with my first deck guide on ClashRoyaleArena.
Today I'm going to show you a very versatile and unique deck, which utilizes the Golem as the main offense. Currently, I am at the 4300 Trophy mark, and have been hovering around here for a while. I was stuck in Arena 8 for about a month. I messed around with some Hog cycle decks, as well as the popular Giant Poison (until it was nerfed). After the Golem buff, I started experimenting with deck combos and certain cards. Now, I have a solid deck that consistently gets 2 crowns, or even better.
Golem Furnace Lighting Deck for Arena 8+
Ice Spirit – Very useful and provides support both offensively and defensively. Costing only 1 Elixir allows it to be very good on defense, as it freezes the enemy troop(s) for 1.5 seconds after the nerf. Also, paired with the right cards on offense can help aid your push for a crown tower.
Knight – This card only costs 3 Elixir and is a beast. It has a huge amount of HP for such a low costing card. Personally, I mostly use him for defensive purposes, but he can be used behind your Golem for support. For example, I place the knight in the middle of my side to distract a incoming prince.
More: Why you should give Knight a try!
Mega Minion – This is a fairly new card that was released by Supercell. At the start, I thought he was very useless, but after using him a lot, he is actually a necessary card in this deck. At lv 7 he does 219 damage per second, which is a huge amount. He can quickly do around 600 damage to the tower if left unattended. I would advise to utilize him with your pushes behind the Golem. However, he is also a very strong card on defense against Princesses, Hogs, Princes, Etc.
More: Everything about Mega Minion!
Lightning – You might see this card hovering in decks everywhere. This card is really overly used and that is for a reason. Although, the fact that it costs 6 Elixir might convince you not to use it, let me tell you this card is one of the best in the game. What is very strong about this spell, is that it targets 3 cards in it's radius, not just one. Therefore, even if the enemy tries to place the Inferno Tower (Bomb Tower, Tombstone, etc) out of range, so Fireballs and Rockets can't hit it, the Lightning has a 3.5 radius, so it can take out opposing buildings as well as enemy troops.
Archers – These two pink colored hair archers, are not to be underestimated. They target both air and ground units, and can survive arrows and Zap cards (if they are the appropriate level). Similar to the Mega Minion, it's main role is to support pushes, but can also be helpful on defense against Minion Hordes or Minions.
Furnace – Currently, I am infatuated with this card. It is extremely beneficial because it's lifetime is 50 seconds allowing it to get a lot of chip damage if the Fire Spirits are left unattended on the tower. I tend to place this building in the middle of my side, leaning toward the side I am attacking. This is so it can distract enemy troops that target buildings, giving you time to develop a strong defense.
Zap – I would be willing to bet that this card is in 90% of decks in Clash Royale at the moment. The fact that it only costs 2 Elixir and can stun enemies is amazing. It is very useful for resetting Sparkys, Inferno Towers, Inferno Dragons, Royale Giants, etc. You must be very precise with how you use this card, as many players are using Bait decks, which is why you must see what type of deck your opponent has before, playing your Zap in a situation.
Golem – Finally, the last card is the OG Golem. Despite, the cost being 8 Elixir (I wish it was 7!), this card caught my attention immediately after the update and buff. It contains the most hitpoints in the game and has a very slow moving speed. This allows you to gain back Elixir to put down your supporting troops behind your Golem. I use this card at the 1 min mark usually, but if your opponent is low on Elixir, you can use it then. But, always make sure you can back up your push, or else it is wasted.
Strong Against
Lava Hound Decks – Play your Furnace to distract the Lava Hound, then use Archers and Mega Minion to take out the Lava Hound with ease. You can play the Lightning if he plays a Inferno Dragon and (or) Mega Minion behind, to gain an extreme Elixir trade.
Royale Giant Decks – Again, use your Furnace to take damage, and to distract your attacker. Use the Knight and Mega Minion to deal with the Royale Giant and (or) other supporting troops.
Hog Decks – Also, use your Furnace as a distraction and use ice spirit to freeze the hog, while playing a defensive card, such as the Knight or Archers.
Weak Against
Miner Bait Decks- Always use your Zap at the right moments. I have played many players with these decks, but I usually end up winning at the last minute or tying. Very rarely, will you lose, if you utilize your Zap in the right situations. You can always use your archers or Mega Minion when there is oncoming air troops instead of the Zap.
Golem Decks- Many other players are using these Golem decks as well. So, I usually end up tying or only getting a 1 crown against these players. This is simply because there defense is too strong.
Overall, this deck is a strong counter to many decks in the game, and can win against almost every deck. It really relies on patience and controlling the battle field, until the last minute of the battle. That is when you strike and when you have your push going, you can easily dismantle any opponent. That's all for today! Feel free to give me some advice, as well as ask questions in the comments below! Peace out guys.
The post Golem Furnace Deck for Arena 8 and 9 appeared first on Clash Royal Arena.
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There are some very sturdy and large fruit cages on the market, but they are an expensive investment. The large number of various fruit bushes and canes we have planted make fruit cages also impractical.
Blackcurrants don't seem to be eaten by birds, but red and white currants and raspberries need protection as they ripen. For this reason, I have been developing a temporary bird net covered frame which is moveable and can also be stacked for compact winter storage.
The basic components are 2 by 1 treated timber and hydrodare flexible water pipe. Drill and bits, screws, saw and screwdriver are needed too, but no fancy stuff. The bird netting is bought in a local hardware or garden centre. Finally a staplegun is needed to secure the netting to the wooden frame.


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The FAC is delighted to bring strings classes to its list of terrific arts classes.
Ms. Haleigh Catherine Marcolini is a recent graduate of Clemson University with degrees in both music and psychology. Her major concentration in undergrad was vocal performance, however, she played every semester in the symphony orchestra and took lessons from various instructors. Ms. Marcolini also assumed responsibility as the President of Clemsons Symphony Orchestra for the 2016-2017 school year.
Although she was trained classically during her undergraduate career, Haleigh Catherine also has a recording contract in Asheville, North Carolina for contemporary singing and has sung the National Anthem and Clemsons Alma Mater for every graduation ceremony since 2013, including her own. She enjoys songwriting as well as composing pieces for piano, violin, and other stringed instruments.
With many years of piano, violin, and voice experience, Haleigh Catherine aspires to teach others how to enjoy and appreciate music from many different angles. Whether you are a beginner or more advanced musician, Ms. Marcolini is equipped to teaching a variety of musical styles and instruments and would love to work with you! Lessons for violin, viola, and cello are all offered. Any interested party should contact Haleigh Marcolini directly. Lessons are $20 per lesson, plus the yearly $15 registration fee.
The best email for prospective students to reach Haleigh is email@example.com.


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Expecting Academic Greatness with a Loving Emphasis®
2017-2018 School Year
If you are ready to make the commitment to pursue an excellent education for your child, please call us at (602) 638-0820 to schedule a tour and pick up an enrollment packet.
Please feel free to download the following enrollment forms for 2017-2018. You can print them off and bring them to the front office, or email the completed forms to ana.martinez [at] eagleprep.org.
EAGLE College Preparatory Schools® do not discriminate on the basis of race, color, disability or national and/or ethnic origin in the administration of its educational policies, admissions policies, scholarship programs, loan programs, and/or athletic and other school-administered programs.


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SOURCE: MMRGlobal, Inc.
January 31, 2013 08:35 ET
LOS ANGELES, CA--(Marketwire - Jan 31, 2013) - MyMedicalRecords, Inc. ("MMR"), a wholly owned subsidiary of MMRGlobal, Inc. (OTCQB: MMRF), today announced the filing of a complaint for patent infringement against Walgreen Co. The complaint alleges that Walgreens is infringing on MMR's Personal Health Records patent, specifically U.S. Patent No. 8,301,466, and as a result, MMR is seeking monetary damages as well as a permanent injunction. As stated in the complaint, Walgreens is the nation's largest drugstore chain with fiscal 2012 sales of $72 billion, operating 8061 drugstores and providing services to over 6 million customers. The complaint was filed in the United States District Court for the Central District of California, case number CV 13-00631, on January 29 and is available on the court's website http://www.pacer.gov/.
MMR is a leading provider of Personal Health Records (PHRs), MyEsafeDepositBox storage solutions, and MMRPro document management and imaging systems for healthcare professionals. MMR currently has seven U.S. Health IT patents: U.S. Patent Nos. 8,301,466; 8,352,287; 8,352,288; 8,121,855; 8,117,646; 8,117,045; and 8,321,240. The MMR Patent Portfolio includes nearly 400 claims as well as additional applications and continuation applications. The patents involve inventions pertaining to Personal Health Records, Patient Portals and other Electronic Health Record systems. MMR also has been granted patents and has other pending applications in countries of commercial interest including Australia, Singapore, New Zealand, Mexico, Japan, Canada, Hong Kong, South Korea, Israel, and European nations.
Working with Liner Grode Stein Yankelevitz Sunshine Regenstreif & Taylor LLP, MMR is pursuing efforts to monetize its patent portfolio and other IP by investigating potential infringement of MMR's patents by entities such as retail pharmacies, EHR and PHR vendors, laboratory systems, hospitals, physicians, and other healthcare professionals.
On January 23, 2013, BioMedReports.com published an article regarding the MMR Patents linking to a Research and Valuation report. The report discusses how more than 5500 hospitals, 150 PHR vendors and 750 EMR vendors as well as providers, payers and pharmacies are potential licensees of the MMR Patent Portfolio. The Valuation covers MMR's U.S. Patents and does not include its issued patents and pending applications in twelve additional countries. Since the publication of the report less than two weeks ago, MMR received notice of Health IT patent approvals in Japan. To go directly to the report, visit http://michaelbass.com/PDF/Patent_Valuation.pdf.
For additional information regarding the MyMedicalRecord, Inc. complaint against Walgreen Co., contact Ted Ward at Liner Grode Stein Yankelevitz Sunshine Regenstreif & Taylor LLP at (310) 500-3384.
About MMRGlobal
MMRGlobal, Inc., through its wholly-owned operating subsidiary, MyMedicalRecords, Inc., provides secure and easy-to-use online Personal Health Records ("PHRs") and electronic safe deposit box storage solutions, serving consumers, healthcare professionals, employers, insurance companies, financial institutions, retail pharmacies, and professional organizations and affinity groups. The MyMedicalRecords PHR enables individuals and families to access their medical records and other important documents, such as birth certificates, passports, insurance policies and wills, anytime from anywhere using the Internet. MyMedicalRecords is built on proprietary, patented technologies to allow documents, images and voicemail messages to be transmitted and stored in the system using a variety of methods, including fax, phone, or file upload without relying on any specific electronic medical record platform to populate a user's account. The Company's professional offering, MMRPro, is designed to give physicians' offices an easy and cost-effective solution to digitizing paper-based medical records and sharing them with patients through an integrated patient portal. Through its merger with Favrille, Inc. in January 2009, the Company acquired intellectual property biotech assets that include anti-CD20 antibodies and data and samples from its FavId™/Specifid™ vaccine clinical trials for the treatment of B-Cell Non-Hodgkin's lymphoma. To learn more about MMRGlobal, Inc. visit www.mmrglobal.com. View demos and video tutorials of the Company's products and services at www.mmrtheater.com.
Forward-Looking Statements
All statements in this press release that are not strictly historical in nature, including, without limitation, intellectual property enforcement actions, infringement claims or litigation, intellectual property licenses, and future performance, management's expectations, beliefs, intentions, estimates or projections, constitute "forward-looking statements." Such forward-looking statements involve known and unknown risks, uncertainties and other factors that may cause the Company's actual results to be materially different from historical results or from any results expressed or implied by such forward-looking statements. Some can be identified by the use of words (and their derivations) such as "need," "possibility," "potential," "intend," "offer," "development," "if," "negotiate," "when," "begun," "believe," "achieve," "will," "estimate," "expect," "maintain," "plan," and "continue," or the negative of these words. Actual outcomes and results of operations and the timing of selected events may differ materially from the results predicted, and any reported results should not be considered as an indication of future performance. Such statements are necessarily based on assumptions and estimates and are subject to various risks and uncertainties, including those relating to the possible invalidity of the underlying assumptions and estimates and possible changes or developments in economic, business, industry, market, legal and regulatory circumstances and conditions and actions taken or omitted to be taken by third parties, including customers, suppliers, business partners, potential licensees, competitors and legislative, judicial and other governmental authorities and officials. Factors that could cause or contribute to such differences include, but are not limited to: unexpected outcomes with respect to intellectual property enforcement actions, claims of intellectual property infringement and general intellectual property litigation; our ability to maintain, develop, monetize and protect our patent portfolio for both the Company's health IT and biotechnology intellectual property assets in the U.S. and internationally; research and valuation reports on the Company; the timing of milestone payments in connection with licensing our intellectual property; our ability to establish and maintain strategic relationships; changes in our relationships with our licensees; the risk the Company's products are not adopted or viewed favorably by the healthcare community and consumer retail market; business prospects, results of operations or financial condition; risks related to the current uncertainty and instability in financial and lending markets, including global economic uncertainties; the timing and volume of sales and installations; the length of sales cycles and the installation process; the market's acceptance of new product and service introductions; competitive product offerings and promotions; changes in government laws and regulations including the 2009 HITECH Act and changes in Meaningful Use and the 2010 Affordable Care Act; future changes in tax legislation and initiatives in the healthcare industry; undetected errors in our products; the possibility of interruption at our data centers; risks related to third party vendors; risks related to obtaining and integrating third-party licensed technology; risks related to a security breach by third parties; risks associated with recruitment and retention of key personnel; other litigation matters; uncertainties associated with doing business internationally across borders and territories; and additional risks discussed in the Company's filings with the Securities and Exchange Commission including disclosures about the Company's relationship with the Michael Bass Group since 2009. The Company is providing this information as of the date of this release and, except as required by applicable law, does not undertake any obligation to update any forward-looking statements contained in this release as a result of new information, future events or otherwise.
Michael Selsman
Public Communications email@example.com
(310) 922-7033
Michael Selsman
Public Communications email@example.com
(310) 922-7033
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Adult Education
Adult Discipleship Class:
September 18, 9am-10am
This Sunday we launch our 9am Adult Discipleship Class with a video conversation between Bono of U2 and Eugene Peterson (translator of the Message translation) discussing the book of Psalms. Our next sermon series beginning in October will be on the Psalms so this will be a great intro for us.
September 25 - October 30, 9am-10am
Starting Sept 25, we launch into a six week class on prayer led by our OHC Prayer Team!


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Tax math
To the Editor:
So, you have 10 people and 10 apples. You give all 10 apples to one person. When the other 9 complain, you point out that it's an average of one apple per person. That's math.
Sarah Huckabee Sanders is using the same bad math to proclaim an average of $4,000 in tax savings for American families. She's probably correct. If you give $2 trillion in tax breaks to the highest wage earners, it probably does average $4,000 per family. That's not what you're going to receive, of course, but it is the average, just like the apples. They're also eyeing your 401(k) and the deductions you receive for State and Local Taxes (SALT). They have to pay for those corporate tax cuts somehow. If, sadly, they do negotiate to eliminate the 401(k) tax break and SALT deductions, your tax rate is going up, not down. That's also math.
Look, the Republicans tried to repeal the ACA so the wealthy would receive an $800 million reduction in taxes. They were willing to take health insurance away from some 20 million people to do it. Only 17 percent of Americans supported the repeal, yet they persisted. Why?
The GOP has sold-out to their donors. Citizens United paved the way for the Koch brothers and Robert and Rebecca Mercer's of the world to spend as much as they like to influence our politics. Worse, the GOP has ceded their Constitutional responsibilities. There are no longer any checks and balances or responsible government coming from their side of the aisle.
We need to be vigilant. Don't let our politicians sell us out to the highest bidder. You won't like the math.
Alan C. Shelton


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The Raleigh Police Protective Association is an association comprised of close to 500 Raleigh police officers that are all members of Teamster Local 391, a local of the International Brotherhood of Teamsters.Our goals are; to protect the rights of Raleigh police officers, advocate for better pay and benefits, and promote improved working conditions.We believe that while it is important to hold police officers accountable for the work we do to protect our community, it is just as important to hold management accountable for the decisions they make that will affect how we do our job.
Our association represents only Raleigh police officers.Our leadership is elected Raleigh police officers.Our association is part of the Teamsters, the largest and most powerful union in the country.All of our members are dues paying Teamsters.The leadership of the Raleigh Police Protective Association has formed positive relationships with the Mayor, the Raleigh City Council, the city manager, and the Chief of Police.Through these positive relationships we often meet with these respective leaders to discuss our concerns.Our membership with the Teamsters affords us a significant amount of political influence to help achieve our goals.
Our solidarity is our strength.Our members are very active in supporting our union.We have monthly meetings held on the first Wednesday of every month at the Teamster Union hall on Angus Dr off of Glenwood Ave.The meetings are at 7:00 p.m.We also ask our membership to help lobby city council for pay raises by attending council meetings.Last year with opposition from the city manager we were able to successfully lobby for an educational incentive for all police officers. This incentive provided an additional $700 for police officers with an associate degree and $1400 for officers with a bachelor degree.Each year police officers will receive this benefit because of the strength and solidarity of our union.Over the past several years we have also met with the chief to discuss policies that support the rank and file officer.Our meetings have often resulted in positive changes to unpopular policies that would have a negative effect on officers.We have also secured raises and benefits that may have been lost if not for the voice of the RPPA.
Each month the leadership of our union meets with Chief Dolan to discuss ongoing issues within the department that affect the rank and file.Most often the Chief listens to our concerns and the issues are resolved in a respectful manner.
We are members of the Teamsters union but it is prohibited by state and federal law for police officers to strike.Under no circumstances will we violate any law.We do not condone police officers striking and will not support any illegal activity for any reason.There may be times when our members feel we have exhausted all diplomatic measures to resolve an issue but will always remain respectful of the law.As police officers we are obligated to uphold the law.
While the leadership of the RPPA will lobby for our rights at the local level our Teamster representatives lobby for police officers at the state and national level.With over 10,000 Teamster members in North Carolina and 1.2 million members nationwide we have a significant amount of political influence.Our Teamster representatives are currently working on legislation that would give police officers in North Carolina the right to collectively bargain, a law enforcement bill of rights, and a 25 year retirement bill for police officers.
All of our members are provided full legal council from the Teamster Legal Defense Fund.Any member involved in a shooting or any criminal complaint that occurs in the line of duty is guaranteed the right to full and immediate legal council.Our primary legal attorney is Lee Turner, an ex Raleigh Police Officer.All members are also provided full legal coverage for any civil charges against an officer.The coverage is unlimited regardless of the number of incidents you are involved in at no additional cost to the member.
As members of the Teamsters we have access to the Governor and leaders of the state senate and house.The Teamsters representation used this access to have Sgt. Rick Armstrong appointed to the North Carolina Training and Standards Commission, the commission that oversees all law enforcement certificates in the state of North Carolina.It is extremely important to have a rank and file officer on this commission to look after the best interests of police officers.
The Teamster Law Enforcement League is currently lobbying federal legislation that would grant all police officers that right to collectively bargain regardless of any state law.This federal bill is likely to pass in the near future.This would grant us the right to negotiate a contract with the city manager and secure our pay and benefits.On average police officers who work under a contract earn 10-12% more than officers who do no have collective bargaining.
The dues are $24 a month and are automatically withdrawn from your paycheck.
President: Sergeant Eric Desimone, 919-235-2607, firstname.lastname@example.com
Secretary: Sgt. Derek Dike, 919-369-0802 email@example.com


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the much delayed gizmondo handheld device is finally going to see the light of day in shops across the u.k. although meant to have launched in october last year, gizmondo's delays have been put down to stock levels, with only a few people being able to purchase one via the 'net. the new release date of march 19th coincides with the opening of the gizmondo shop on regent street in london. other retail chains will also have the handheld on sale that day, but the shops that will carry it haven't been announced yet. the gizmondo will cost �229 (us$440) and will come with a 2.8-inch color tft, contract-free sim card, 1100 mah battery, usb cable, in-ear headphones, and an sd card with music, games demos, and movie trailers. carl freer, the company's european marketing director, also stated that he expects the price to go below us$100 by december, although why you would say this just before a launch at us$440 is anyone's guess. the unit is also expected to be released in the u.s. sometime this spring. the gizmondo is a nice device that sports many features the gba, ds, or even psp do not have. however, telling people the price is expected to drop drastically within a year and releasing it a week after the nintendo ds won't do it any favors. thanks to gamasutra for the heads-up.
user comments 24 comment(s)
|$440 (11:10am est mon mar 07 2005)
to quote kyle's mom:
wha-wha-wha-waht????? – by enginerd
|looks hideous (12:28pm est mon mar 07 2005)
the tapwave zodiac looks so much better… – by supperman
|ho hum (12:48pm est mon mar 07 2005)
can't see this taking off.
its competing against both nintendo _and_ sony portable gaming devices. as a pda tapwave is nicer.
gps is nice but not enough – by moylan
|looks are only skin deep (2:58pm est mon mar 07 2005)
it's what's behind that makes this interesting, location based gaming, cool! much more so than playing the same old revamped games over and over. just hope it will be given a chance, not only by the public but also game developers. very promising. – by jack
|what (3:59pm est mon mar 07 2005)
a stupid name. – by sbwahtmtf
|old message from other board… sounds sweet!!! (11:22pm est thu mar 10 2005)
for those of you who don't know yet, here is the gizmondo… a new unit featuring: a camera, music and movie player, text messaging, gps, gprs, bluetooth, windows ce with tons of capabilities and some new excellent gaming. it's out in the uk on the 19th and in the u.s., europe, china, australia, new zealand, etc. later in 2005. this is going to be hot. check out the website: click on example. get ready to get hooked.. – by t2
|stupid (12:22pm est fri mar 11 2005)
stupid – by stupid
|to stupid (6:58pm est fri mar 11 2005)
you're stupid. you'll see…. – by t2
|hmm (1:39am est sat mar 12 2005)
great user name *stupid*
give this device a chance, keep in mind that playstation wasnt even supposed to be realesed thanks to nintendo's last minute decision to cancel the release of it, who knows this might be the next new hit*
– by unknown observer
|do it alls never excel in one dept. (7:25pm est sat mar 12 2005)
pretty average in all deparments. gaming first? please give me a break! the uk launch line up is weak i'd rather stay with my sp thank you. as for the smart ads it just bs. – by b_rational
|awesome gadget!!!!!!!!!! (7:12pm est mon mar 14 2005)
gizmondo is game boy advance on steroids, crossed with an ipod, that does sms and mms, plays really great quality video, has a spot-on gps (global positioning system), a great digital camera, and connects through bluetooth and gprs. and it fits in a shirt pocket. and it looks sooo sexy. awesome." there�s not much more i can add to that really, is there?
– by dr.mac
|one ugly looking device (12:01pm est thu mar 17 2005)
gizmondo would be a hand held that will come and dissapear quicker than the neogeo pocket. it has one useful thing going for it, thats the gps. apart from that it looks extremely ugly, has a small screen of 2.8inch, lack of games support therefore it is bound to flop.
i will wait for the psp instead. – by sagat
|interesting (3:41pm est fri mar 25 2005)
if they want the gizmondo to sell they need a new name, new look, better games, lower price, and they need to advertize more. otherwize it wont get off the ground. from what it has already, it would be a kick-ass machine if they made some changes – by smakjack
|think about this (6:16pm est mon mar 28 2005)
the gizmondo looks nice and all the things it has to offer are really great too i think with this plus the psp, nintendo wont stand a chance for long since this 2 portables (psp, gizmondo) have alot more things to offer. everyone just got excited bout the ds because it had a touchscreen.
now the price for everything it has i dont think it will cost less than us$100, because it has bluetooth, gps, etc. cel phones that have these functions easily cost u over a us$100, so i think it'll cost around us$400-$500. also, if this portable is goin to cost this much, i dont think many people will buy it, its just too expensive, therefore, you wont enjoy gps-related games as good, n since not a lot of ppl buys it, the games will be sucky in my opinion cuz good titles are only on good selling consoles unless the games are made by their owners such as mario ds and nintendo or halo2 and xbox.
one more thing, has the tapwave zodia come out, if so how much does it cost and what r the games it offers and capabilities of proccessor, etc? – by skizzer
|nerds (5:47pm est fri jun 24 2005)
you guys dont have a fuckin life…
the device looks pretty sweet though and it is cause im holding one in my hand.
peace – by pc
|more than a console! (4:42pm est mon jul 04 2005)
i've had mine for the past month and it's never more than a metre away from me i have a psp aswell and the two are in different leagues. psp unmatchable gaming gizmondo entertainment media centre. equiped with a gig sd card this little puppy is a tardis of entertainment. i sit and watch films on it while taking a crap or episodes of family guy at work, pc friendly and built like a brick s**t house. beats that ds piece of crap hands down!!! – by alious
|cool ass chit (11:39pm est sat aug 13 2005)
the gizmondo is gangster – by cholo
|cool (7:07pm est mon aug 29 2005)
gizmondo is beter than psp and ds – by jose
|just a correction… (1:52pm est wed aug 31 2005)
hey skizzer just a friendly fyi… microsoft didn't develop halo 2-bungie did. hower you were correct on the mario ds statement. oh, and i hate to say it but this little gizmondo is doomed as of right now even though i previosly had high hopes for it. unless i see at least one commercial in the next few weeks or so we can start packing mr."mondo's" bags for him. – by savior not
|gizmondo (4:20pm est sat jan 14 2006)
gizmondo is the best in the world its sooooooo great – by mike
|who has the last laugh… (5:14pm est sat feb 18 2006)
having the history of user comments is brilliant. so funny looking at who were convinced about how the gizmondo would succceed. hats off for the guys who just completely destroyed any hope the thing had going for it. and then whats even funnier is reading this: 'nerds (5:47pm est fri jun 24 2005)
you guys dont have a fuckin life…
the device looks pretty sweet though and it is cause im holding one in my hand.
peace – by pc'
what about the marketing chap called t2. almost like he had come straight from a failed jizcrundo exhibition launch. the london shop was closed… just so funny. the amount of money that must have gone into the project ! i wonder if they had got lottery funding ?
it must be lonely for those gizmundo geeks walking around the peripherals of their city waiting for other 'gangs' to 'fight'. suppose they could always chuck their doomed handhelds as a…grenade ? – by 1 who laughs@gizboys
|mr gizmondo totalled his gizmo (11:16am est fri feb 24 2006)
'the driver lost control and the car flew up a six-metre embankment before hitting a telegraph pole and being torn in half. the car left a quarter-mile trail of debris with the engine and passenger compartment coming to rest 50m apart in the middle of the road.
witnesses say they saw the ferrari with the slr supercar shortly before the crash and both cars are said to be owned by swedish millionaire stefan ericksson, a former executive in technology firm gizmondo, which filed for bankruptcy last year with debts of $225 million. ' – by need i say more?
|psp vs gizmondo (8:44pm est thu jun 29 2006)
on october 17 a gps and camera add on are caming to the psp that alows you to chat take pictures track your position and sens the tilt of your psp seeing the psp has beter grafics the gizmondo is not worth it – by not worth it
|psp vs gizmondo (8:56pm est thu jun 29 2006)
on october 17 gps and camra add on are caming to psp alowing you to chat tack picturs do gps and give your psp motion sensering. since psp has beter grafixs the gizmondo gest is not worth it. – by not worth it


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video: NEW: Sec. of State's Office Releases Video for Black History Month
Wednesday, February 19, 2014
In addition to Black History Month, the video commemorates the 50th anniversary of the Civil Rights Act, signed by President Johnson in 1964. Featuring testimony from former Deputy Secretary of State and Civil Rights activist Ray Rickman, the three-minute video pays tribute to Dr. Martin Luther King, Rickman, and all the others who struggled and bled to ensure the passage of Civil Rights legislation.
Rickman speaks briefly on his own career in the struggle for racial justice, recalling being beaten by Deputy Sheriffs in Sunflower County, Mississippi while campaigning for equality. He notes that he still carries the scars with him to this day, just above his hairline. But Rickman, who also served as President of the Rhode Island Black Heritage Society, was able to reflect on the incident with panache. "I worry about it, going bald," says Rickman, with a twinkle in his eye.
"We are a forgetful nation," Rickman concludes, returning to seriousness. The video concludes by urging us to remember the sacrifices that were made -- and remember the way in which those sacrifices safeguard the freedoms not just of one group, but of all Rhode Islanders.
Related Slideshow: 13 Who Made a Difference in RI in 2013
Donna Nesselbush
This time last year, marriage equality was the issue to watch in 2013 -- would it finally be the year that Rhode Island made same sex marriage a reality?
Rhode Island State Senator Donna Nesselbush was at the front of the pack of those who made sure it was.
On January 3, 2013, Nesselbush along with Rep. Art Handy introduced legislation to legalize same-sex marriage in Rhode Island. While the House had over half its members as sponsors, the Senate had a much more uphill battle to wage. Catholic Bishop Tobin continued to be outspoken against the measure, seeking a referendum instead, but other religious in RI countered his position . RI's Episcopal Bishop, W. Nicholas Knisely came out in its support of gay marriage-- as did the RI Council of Churches.
Ray Rickman
A force to be reckoned with for decades in Rhode Island politics, Rickman once again asserted his position of prominence as elder statesman when the issue of pool closings heated up in a very hot summer in Rhode Island.
The former State Representative and Deputy Secretary of State -- and former president of the Rhode Island Black Heritage Society, Rickman has been the quintessential power player in RI for decades. An outspoken proponent of gay marriage and opponent of nuclear energy, Rickman this years was a constant presence -- and vocal critic of the Taveras' administration's decision to close the Davey Lopes pool in South Providence.
Angus Davis
One of the state's brightest young stars, Davis has made a name for himself on the Rhode Island business and political scene over the course of a number of years now, and shows no sign of stopping.
The wunderkid who made millions in Silicon Valley before returning to his home state of Rhode Island, Davis set his sights on education reform in the state while on the Board of Regents, before turning his full attention to his new Providence-based business venture, Swipely -- which recently moved from its original Pike Street location to downtown Providence, along with its 70 employees -- and the business is growing.
Judge Sarah Taft-Carter
Rhode Island Superior Court Judge Sarah Taft-Carter is perhaps the person now most front and center in pension reform in Rhode Island -- having overseen consent judgements in the Providence pension agreement last spring, and now the state awaits her word in the state mediated pension reform lawsuit, which could have major ramifications on the state's bottom line.
On the city-side, in March, Taft-Carter issued a ruling calling the deal agreed to by Providence's current firefighters, police officers and retirees a "fair, adequate and reasonable settlement" and "a shining example" for other cities and towns, as Providence moved to reduce the city's large structural deficit.
Ted Siedle and Matt Taibbi
Rhode Island pension reform came under national attention in 2013, when former SEC lawyer and Forbes Columnist Edward Siedle first wrote in April a column entitled "Rhode Island's Public Pension Reform Looks More like a Feeding Frenzy" for the financial publication -- which was then followed up by "RI Pensioners 3% COLAs will go to pay Wall Street 4%+ Fees." Soon Rhode Island's pension reform -- and General Treasurer Gina Raimondo -- faced intense scrutiny in both the national and local press.
The heat was turned up even further when Rolling Stone star reporter Matt Taibbi, who'd written such articles as "How Wall Street Killed Pension Reform" and "Bank of America: Too Crooked to Fail," turned his critical eye on Rhode Island when he wrote "Looting the Pension Funds."
Lisa Baldelli-Hunt
After serving in the General Assembly as a State Rep from 2006 to 2013, Baldelli-Hunt set her sights on the City of Woonsocket's highest seat this year, and in November became the second woman ever elected to the position, beating incumbent Leo Fontaine by roughly 2 to 1 margin.
Running on a reform platform, Baldelli-Hunt said the city had been underfunding its schools, and questioned previous Fontaine's disclosure of the city's finances. "I'm angry. As a legislator, I feel that I've been misled at a time we're trying to push through legislation to avoid municipal bankruptcy," Baldelli-Hunt said in June.
Vincent D'Ambra
When GoLocal uncovered that the 40 highest paid city employees in Providence collectively earned $6.3 million in pay and benefits in fiscal year 2013 -- and that topping the list was fire rescue captain Vincent D'Ambra, whose total compensation was $218,145 -- the spotlight was placed squarely on municipal pay in the city of Providence.
That $200,000 salary -- and five and six-figure overtimes uncovered -- sparked calls for reforms, as Providences Internal Auditor Matthew Clarkin's first quarter report for fiscal year 2014 projected that the city's $4.7 million fire callback budget is likely on pace to cost more than $1 million over budget for the year.
Men's Basketball Coaches
It was a good year to be a men's college basketball coach in Rhode Island. And their schools responded accordingly.
As GoLocal's Scott Cordischi reported in April, "First, Ed Cooley received a raise and had his contract extended by Providence College. Then it was Dan Hurley getting extended by URI. Today, Bryant University announced that it has extended the contract of its men's basketball coach Tim O'Shea through the 2019-2020 season."
Taylor Swift
One of the world's biggest music stars this year decided to make Rhode Island her backyard in 2013. And it wasn't exactly small change.
Swift, the chart-topping country and pop sensation opted to call Watch Hill "home" in April, when she purchased her waterfront Westerly property for $17.75 million -- in cash. Taxes? A cool $9,600 and change a month.
Sightings of Swift ensued, whether it was with famous Hollywood friends at the Olympia Tea Room, or on a tongue-in-cheek tee shirt (which was soon pulled from the shelves. Swift posted photos of herself and friends on her blog, enjoying the 4th of July in Rhode Island at her seaside estate.
Nick Garrison
The Rhode Island beer renaissance got a big boost from Foolproof Brewery in Pawtucket, and founder and owner Garrison, along with brewmaster Damase Ollson, immediately made a major splash on the regional -- and national -- beer scene.
Foolproof scooped up three medals at the 17th Annual Great International Beer and Cider Festival in Providence in November which featured five hundred and seventy-five beers and ciders from around the world, taking first place in the Golden Ale category, and earning silver medals in the Robust Porter and Russian Imperial Stout divsions. Garrison -- and Foolproof -- have officially arrived.
Evan Granoff
One of the 2013's biggest events for Providence -- the reopening of the historic Arcade downtown -- wouldn't have been possible without the man behind the project, developer Evan Granoff.
The country's oldest indoor shopping mall that opened in 1828 closed its doors in 2008, leaving the Greek revival as an empty anchor between Weybosset and Westminster Streets. In 2010, GoLocal talked with James Hall, Executive Director of the Providence Preservation Society, about the historical significance of the Rhode Island landmark. After much speculation, the city confirmed in 2012 that plans were underway to redevelop the space into retail and living spaces, in the way of "micro-lofts".
Christina Paxson
The 19th President of Brown University, Christina Paxson came to Providence with an impressive resume, having previously served as Dean of Princeton's Woodrow Wilson School of Public and International Affairs and bringing expertise in economics and public health.
Paxon found herself -- and Brown -- in the midst of national attention when students along with the public protested a lecture intended to be given by New York City Police Commissioner Raymond Kelly. The lecture, which was scheduled for October 29 at the Taubman Center for Public Policy and American Institutions, was cancelled after more than 30 minutes of interruption.
Deborah Perry
The Executive Director of the YWCA of RI, Deborah Perry has been advocating for women across the state for years based on the YWCA's mission of eliminating racism, empowering women and promoting peace, justice, freedom and dignity for all.
In April, Perry and the YWCA hosted its 5th Annual Women Holding Office celebration, where it recognized Susan Farmer and Kathleen Connell with the Isabelle Ahearn O'Neill Award, who was Rhode Island's first female legislator. Farmer was the first female elected to statewide office of Secretary of State, and Connell was the third, following Arlene Violet's distinction of being the second woman elected statewide -- and first woman elected to Attorney General in any state.
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Thursday, May 3, 2012
Small Percentage of NY Health Care Providers Write Most of City's Opioid Prescriptions | The Partnership at Drugfree.org
Also, don't forget: SIGN AND JOIN TODAY!
2 comments:
Interestingly what was left out of that article is that in 2009 the FDA advisory committee meetings began on revisiting the dangers of acetaminophen and what really is a safe limit. Many prescribers as a result of even those beginning talks began to remove patients from combination pain products like Vicodin (which is schedule III many states and easier to prescribe allowing refills, telephoned prescriptions, etc,..) to plain oxycodone. I am not surprised the state of NY saw such a large rise oxycodone Rx's at that time. Just because they say oxycodone does not mean 80 mg of OxyContin. If you were to look at equivalence data 5mg oral oxycodone is equipotenet to 5mg oral hydrocodone.
Yes, opiate addiction can be devistating. Yes, there are parts of the country that have dropped the ball. Yes regulations in some areas can be strengthened. Yes, there are addicts still gaming the system.
However, there are still plenty of legitimate pain patients out there that can not get treatment because Pphysicians are afraid. There were some horribly greedy docs who made a quick buck off the patients and were wrong. I do believe there have been some innocent physicians who were targeted and put in jail as well. The DEA should not be practicing medicine, that should be left to the individual state boards of medicine and pharmacy, until the DEA starts sending their agents to med and pharm school!
- May 18, 2012, 10:20:00 PM
- Marchman Act Attorney said...
Excellent comment. The backlash against honest and ethical docs is a tragedy for docs and patients.
- May 19, 2012, 9:06:00 AM


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Welcome To Pittsburgh In 2013
Oct. 19, 2010
This is the second in a four part series on the upcoming cities that will host the Men's Frozen Four. We did a question and answer segment with a former college player who reached the Frozen Four and now plays for the NHL team in that city to provide an insider's guide to fans attending the championship.
October 12 - 2014 - Matt Carle, University of Denver - Philadelphia Flyers
October 19 - 2013 - Brooks Orpik, Boston College - Pittsburgh Penguins
October 26 - 2012 - Martin St. Louis, University of Vermont - Tampa Bay Lightning
November 2 - 2011 - Robbie Earl, University of Wisconsin - Minnesota Wild
Brooks played three seasons for Boston College, capping it off with a championship at the 2001 Frozen Four. He was drafted in the 2000 NHL Entry Draft by the Pittsburgh Penguins and has been with the organization ever since. He made his NHL debut during the 2002-03 season and has been a regular in the Penguins lineup since that time. He has had success wherever he has gone as the Penguins won the Stanley Cup in 2009 and won a silver medal as a member of the 2010 United States Olympic Team.
What are your memories of playing in the Frozen Four?
When I was a freshman, we made the Frozen Four the year it was out in Anaheim so that definitely had a different feel to it. We went to Disneyland and some other places so you almost had to remind yourself that you were out there to play hockey. My sophomore year we lost to North Dakota in Providence in the championship game. My junior year we beat North Dakota for the title in Albany. Providence and Albany were both great atmospheres as the whole city centered around the event and everyone knew that the Frozen Four was in town.
Pittsburgh is a smaller big city closer to the size of Providence so I really think it has the potential to be a great site.
Upon hearing news that Pittsburgh was selected as the site for the 2013 Frozen Four:
I was surprised to be honest. The new building obviously was a huge help. I have been here eight years now and this is definitely not a traditional college hockey market. You dont hear much about Robert Morris and their team in the local media, however, this will be a huge opportunity for them to capitalize on. It will enable them to showcase what they have and I really think this event will help the awareness of college hockey in this market.
You just mentioned the new building, tell us about it.
The CONSOL Energy Center is a huge, huge upgrade from Mellon Arena. It will be an awesome place to showcase the Frozen Four. Mellon Arena was sufficient but it was lacking in so many of the luxury items, so we are excited to be playing there and the players from the teams that make the Frozen Four will be playing in an unbelievable facility.
How is hockey perceived in Pittsburgh?
When I first got there they were kind of going through a rebuilding phase, but we still got our share of publicity. Over the next couple of years we got some high draft picks and the team eventually got better. Obviously when Syd (Crosby) came in there was a lot of hype and excitement. This will always been a football city first but over the past three years we have definitely been close to the same level as the Steelers.
What are some things for fans to do when they come to Pittsburgh?
The first thing I would recommend would definitely be to go to Mount Washington and take the Duquesne Heights Incline. It is the best view of the city and there are restaurants at the top so you can have dinner up there.
The Andy Warhol museum is a very good museum and I would definitely recommend it . There are a lot of things to see and the gift shop is very good as well.
As most people know Philadelphia is known for its cheesesteaks, what is Pittsburgh known for with regards to food?
Its definitely the sandwiches at Primanti Brothers. Basically they are sandwiches, which consist of grilled meat, cole slaw, tomato slices and French fries between two pieces of Italian bread.
What are your favorite restaurants?
There is a little Italian place in Mount Washington called La Tavola Italiana. I go there a lot and the food there is great.
I also recommend Umi in the Shadyside District for sushi.
What about pizza?
My two favorites are II Pizzaiolo - and Minneos Pizza House in Mount Lebanon.
For those fans who come to Pittsburgh who arent able to get tickets to the game, where would be the best place to watch?
Jerome Bettis Grille 36, it is between the football and baseball stadiums.


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Forthcoming Article on Kiobel and the Alien Tort StatuteClosed Published by Kedar S. Bhatia April 18th, 2012 in Scholarship
I've posted a new article on the Alien Tort Statute and Kiobel on SSRN. The article, Rethinking the Purely Jurisdictional View of the Alien Tort Statute, demonstrates that the Court should read the Alien Tort Statute as purely jurisdiction, rather than as a hybrid provision both granting jurisdiction to hear claims arising under the law of nations and defining the claims that fall under that jurisdiction.
Readers of this website might fight Part II, which begins on page 23, especially interesting. In that section, I demonstrate that the Alien Tort Statute is an atheoretical compromise between several conflicting strands of federal civil procedure. I discuss how the Court's opinion in Sosa v. Alvarez-Machain (2004) did more to upset law in this area than to settle it because the opinion did not properly explain how the Alien Tort Statute fits into existing law surrounding Erie and the presumption against implied causes of action. Without clarity on those important issues, lower courts have struggled to build on the Supreme Court's new framework.
The confusion regarding corporate liability and aiding and abetting liability are symptomatic of the Court's atheoretical compromise. Litigation in Kiobel v. Royal Dutch Petroleum Co. has been a mess—the lower court decision was criticized for both its substantive outcome and its methodology—but litigation in Mohammed v. PLO demonstrates how easy it can be to litigate similar claims when Congress steps in to define those claims with a level of clarity that courts can never achieve.
The article won the W. Richard Smith Founder's Award for Writing Excellence for the Best Comment, and it is forthcoming in the Emory International Law Review (2013). The abstract is copied below the fold.
The Alien Tort Statute is a remarkable provision. This thirty-three word statute lay dormant for nearly two centuries but now allows federal courts to hear claims for violations of the law of nations stemming from behavior anywhere in the world. Such an extraordinary interpretation was far from inevitable and remains on unsteady footing.
This article argues that the Statute should be read as purely jurisdictional, rather than as a hybrid provision granting both jurisdiction and a cause of action. In contrast to the current hybrid model, a strictly jurisdictional view of the Alien Tort Statute would provide a manageable framework for expanding the scope of the statute. Rather than requiring courts to first measure the specificity of international law and then gauge the practical consequences of recognizing a new cause of action, the jurisdictional view would require Congress to make those difficult, complex, and weighty policy decisions. A purely jurisdictional view of the statute adheres more closely to well-established views toward federal common law and also patches many of the problems that have arisen in applying the statute.
I hope you all enjoy the article!


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Your member of parliament for
Member of Parliament for Moncton-Riverview-Dieppe
Ginette Petitpas Taylor has always been one to support and advocate for a fair and just society for all. She was born and raised fluently bilingual in Dieppe as the youngest in a family of 9 children. Later obtaining her Bachelor's degree in Social Work at Université de Moncton, Ginette carried her wealth of knowledge and dedication to helping others into her career with the Codiac RCMP where for 23 years she served as Victim Service Coordinator, providing services such as; crisis counselling, domestic violence intervention, and domestic violence risk assessment to victims of crime.
Always willing to lend a hand, Ginette made time to volunteer for the causes that she holds very near to her heart. She served on the City of Moncton's Public Safety Advisory Committee, was Chair of the New Brunswick Advisory Council on the Status of Women and was a member of the Coalition for Pay Equity. Both provincially and locally, Ginette has worked closely with several community organizations including the Coalition Against Abuse in Relationships and the Canadian Mental Health Association's Suicide Prevention Program in Moncton.
Through all of these experiences, she has gained exceptional knowledge on how to work with all levels of government as well as how to stay informed on the issues that concern her constituents. In Ottawa, Ginette represents her constituency as the Member of Parliament for Moncton-Riverview-Dieppe and also serves as Minister of Health. She and her Moncton husband Brock make their home in Moncton.
Click here to download the Spring 2018 Newsletter! Spring Newsletter – Bulletin du printemps
Click here Fall 2017 Householder to download the Fall 2017 edition newsletter.
Our Prime Minister, Justin Trudeau, has said that "young voices must be part of our decision making process" and that's […]
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In this year of 2017, the Government of Canada and the Senate are marking the 150th anniversary of Confederation with […]
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i used your application WifiKill again after some months. Now it is updated and i think broken. Used just for testing on my PC and my own nettwork.
I started it using my tablet and saw my another PC there. So i pressed GRAB. Then my PC was really slow in using internet. I had to wait about 1 min to reload google.com website. Is this way how it works or it is bug?? IMO it should be much faster.
Another question I wanted to ask you is Can i use it on my own Tablet during mobile internet Teethering?? What i mean is that when i am using Teethering i cannot start WifiKill because i am not connected to any nettwork... Just my mobile internet.
And the last one question: Why do I have just 4 settings? (Full Screen, Show nettwork names, Show MAC, Show NIC manufacturer)
In really older version I could set the way how to deny the internet connection (redirect, block it...), and much more. What's happened?
Thank you for your reply


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Established in 2000 by the merger between DKB Securities Company, Fuji Securities Company and IBJ Securities Company, Mizuho Securities Company is a financial institution. It is a member of the Japan Securities Dealers Association and the Financial Futures Association of Japan. Mizuho Securities Company caters to the investment banking needs of public entities, corporations, financial...
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The Tenth Annual North Country Spelling Bee is scheduled to take place at the Harrietstown Town Hall in Saranac Lake on Saturday, April 28, 2012. Registration begins at 9:30am and the Spelling Bee begins at 10:00am. Everyone is invited to join in the fun! Spellers compete in teams of two: two adults, an adult with any-age student, or two students 12 years or older.
Created and organized by Literacy Volunteers of Essex/Franklin Counties, this event will generate proceeds through team sponsorships ($50 each, tax deductible) to fund free educational programs for adults, children, and families.
This innovative event is always big, exciting, and fun! The more teams that compete, the more fun the spellers have. If some teams need help finding sponsors, Literacy Volunteers can match them up.
Admittance is free and, as usual, for competing teams and sponsors there is a complimentary luncheon. A $5 luncheon fee will be charged for all audience members.
If you want to have fun as a speller (or to sponsor other spellers), please call Literacy Volunteers at Saranac Lake, 891-5567; Port Henry, 546-3008; or Malone, 483-9366.


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With the consortium "TANNO - Innovationen aus Tannenholz im Joglland", a regional network of enterprises working with wood was created.
- The Forest Management Associations from Hartberg/Fürstenfeld and Weiz,
- the timber mills Kern and Baumgartner,
- the architecture firm Luckabauer,
- the company Herbitschek
- the company Hutter Acustix
have joined together in a partnership to design a strategy to make the best use of and provide the marketing for the natural resource of "Tannenholz" – in English spruce or pine.
Further information can be found at http://www.tanno.at
Holzcluster Steiermark
The Holzcluster Steiermark GmbH which was founded in 2001 is THE network for the Forestry-Wood-Paper industry in Styria and is an efficient interface between trades people, scientists and politicians.
The main objective is to accelerate the creation of an internationally competitive eco-nomic structure in the industry in order to strengthen all the companies in the value creation chain and to retain jobs, especially in rural areas.
Further information can be found at http://www.holzcluster-steiermark


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The Boston Globe's Pulitzer Prize - winning coverage of clergy sexual abuse of minors in 2002 led to what few would hesitate to call the most significant scandal in the history of the Catholic Church in the United States. In contrast, Catholics themselves disagree about whether the voting records of some Catholic politicians or the particular policies and practices of Catholic institutions might be called scandalous. Such questions often both reflect and intensify divisions within the Catholic community. Whether understood as negative public relations or as an action, attitude, law, or institution influencing another to sin, scandal affects the Catholic Church's proclamation of the good news of God's saving love. This makes theological reflection about scandal an essential aspect of being Catholic today. Failure to engage in this reflection risks truncating the tradition and obscuring the Good News. This book invites this reflection in order to understand differences in perception and judgment, make appropriate courses of action more clear, and enable Catholics to participate more effectively and authentically as a faith community in public life.... Excommunicated for Allowing Abortion, a National Public Radio, May 19, 2010, http://www.npr.org/templates/story/ story.php?storyId=126985072. Attentive to such concerns about scandal, Catholic Healthcare East states: aCatholic health care can use adult stem cells because it ... 2 See, e.g., the controversy over the funeral of Catholic, pro-choice United States senator Edward Kennedy: aSome Reactedanbsp;...
|Angela Senander
|Liturgical Press - 2012-06-01
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Place soy sauce in a saucepan over medium heat, add brown sugar and bring to a boil. Turn heat to low, stir in molasses, and return to simmer. Transfer to a mixing bowl. Add sesame oil, tahini, chili oil, and vinegar, and whisk to combine. Season to taste with salt, if desired.
Bring a large pot of salted water to a rapid boil. Add noodles, bring back to a boil, and cook, stirring occasionally, until they just begin to soften, about 3 minutes. (Soba noodles can overcook very quickly, so stay nearby.)
Have ready a large bowl of iced water. Drain noodles, plunge in iced water, and drain again. Place in a colander and rinse well under cold running water. Combine noodles and sauce, toss well with scallions, and chill. Serve in small nests on lettuce-lined plates with Chopped Tofu and Parsley.
c.1997, M.S. Milliken & S. Feniger, all rights reserved
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Transparent Pricing in Microfinance Implementing Transparency in the Indian Microfinance Industry. MicroFinance Transparency Sa- Dhan Conference Delhi , India March 2010. Which loan has the lowest price?. Interest Rate Quiz - Answers. Agenda.
Download Policy: Content on the Website is provided to you AS IS for your information and personal use and may not be sold / licensed / shared on other websites without getting consent from its author.While downloading, if for some reason you are not able to download a presentation, the publisher may have deleted the file from their server.
MicroFinance Transparency
Sa-Dhan Conference
Delhi, India
March 2010
Costs are relatively flat relative to loan size. It costs nearly as much to make a $100 loan as a $1000 loan.
Income is generated as a percentage of the loan amount and therefore highly correlated to loan size.
For a given interest rate, there is a point where income from a single loan will be equal to the costs of that loan. This is the "breakeven point".
If an institution wants to deliver smaller loans at the same interest rate, they will lose money. What must they do if they want to make these smaller loans financially sustainable?
As the loan size decreases, the interest rate must continue to increase in order to have a viable loan product..
We can create a graph correlating loan size to financially sustainable interest rates and it forms a distinct curve.
(Note that figures and interest rates in this curve serve only as examples and are not figures specific to the microfinance industry.)
Higher costs for smaller loan amounts require significantly higher interest rates for sustainability
Data for the Philippines shows a curve very close to our theoretical curve. And notice the Operating Cost Ratio range.
Common industry benchmark of 15-20% OpCost Ratio is appropriate for larger loans
Transparent pricing is the right thing to do!
The irony is that informed decisions and fair competition require a "market price"….
… and without transparent pricing there is no market price!
It is very difficult to be the first or only MFI practicing transparent pricing!
"MFTransparency aims at giving MFIs information to offer better value to customers. And it will give investors and others the information they need to put pressure on those institutions that may be charging unreasonably high fees or hiding the full cost of their services. We applaud the effort."
Elizabeth Littlefield, CEO, CGAP
How to achieve Responsible Finance?
MFT's Business Model
Collect and Publish Accurate, Transparent Pricing Data
Consulting on Legislation & Regulation
Technical Assistance & Training to Service Providers
Consumer awareness, "financial literacy" materials
Now is the time for transparent pricing in the Indian microfinance market.
in the Microfinance Industry