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The Tennessee Attorney General opined last week that current state statute supersedes current and future laws controlling ephedrine or pseudoephedrine and that local legislation was in violation of state law.
The opinion came down shortly after Harriman officials approved an ordinance requiring prescriptions for the allergy and sinus relief medications, both of which are used in the manufacture of methamphetamine.
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Support Aranmore Catholic College and order your NEW 2018/2019 Entertainment Membership now!
Entertainment™ Memberships are sold exclusively through fundraising organisations, and the funds we raise will go to support our school.
Order your book today at:
20% of every membership sold contributes to our fundraising. Help us achieve our goal by sharing this link with your Friends and Family. Thanks for your support!

subset: commoncrawl


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SANTA MONICA, Calif.--(EON: Enhanced Online News)--Tastemade, a global entertainment company inspiring the taste of a generation through entertainment, products and experiences, today announced its aggressive expansion into two new lifestyle categories, Home and Travel. The company, whose award-winning food-focused programming has placed it among today's top mobile video brands, will produce more than 150 hours of original programming for these new channels.
"Tastemade's mission is to inspire the taste of a generation"
Coinciding with this move, Tastemade has appointed Amanda Dameron, the former editor-in-chief and EVP of content at Dwell Magazine as head of Tastemade Home. Dameron joined Dwell in 2008 to lead digital content and took over as editor-in-chief of the magazine in 2011, where she oversaw content across all platforms, including print, digital, video, and live
conferences -- reaching a targeted audience of millions. Prior to that, she served as the first online editor of Architectural Digest. Additionally, Tastemade has secured an exclusive partnership with Zillow, the flagship brand sponsor of its new Home channel. Other advertising partners include Target with whom Tastemade has created even more compelling home-focused programming.
"Tastemade's mission is to inspire the taste of a generation," said Larry Fitzgibbon, co-founder and CEO of Tastemade. "Millennial audiences are passionate about food, travel and home, but legacy brands are not relevant to their modern tastes or behaviors. Our mobile-first programming entertains hundreds of millions of people each month and we're thrilled to bring our modern approach to the home and travel categories as they hold endemic commercial appeal and massive global potential."
Tastemade Home
Tastemade Home is a mobile-first, millennial-focused home and design destination for inspiration and visual entertainment. Tastemade Home is revealing how people everywhere use the power of personalization to change their spaces and their lives. From an urban loft to a bungalow off the beaten path, Tastemade Home will provide viewers with the ideas and motivation to make any space their own.
"I've enjoyed watching Tastemade's meteoric success as a leader in the world of food and video programming, and I'm thrilled to apply my passion in design and architecture to spearhead the company's new Home category," noted Dameron. "This new role will allow me to use my skills as a storyteller to produce the best content possible for a modern medium under the incredible, expanding Tastemade brand. It's a great pleasure to join a company with such tremendous reach and a proven dedication to creating quality programming for a global audience."
Tastemade's signature programming for Zillow will feature an initial 3 programs, appearing across all major digital, mobile, and OTT platforms. The line-up includes:
1 Room, Different Ways
In this short-form original series, we'll show viewers how to transform one empty space, four separate ways. From a plain bedroom that's expertly decorated in four different design styles, to a living room revamp using four exceptionally lean budgets, each episode will highlight a world of possibilities and inspire viewers to do it themselves at home.
Tastemade Home opens the doors to the most dream-worthy homes around the U.S. Viewers will get an insider's tour of an exquisitely modern warehouse loft in Downtown LA to a rustic sprawling retreat in the Wyoming wilderness. From the aspirational to the more attainable, Tastemade and Zillow will showcase spaces that inspire and delight.
Big Ideas, Small Spaces
Do you ever feel like you just don't have enough space for all of your big ideas? In this bite-sized original series, Tastemade shares the tips and tricks of the trade to help bring small spaces to life. From hidden cubbies in unsuspected places to magnetic spice racks hidden in the underbelly of the kitchen, we'll showcase fun and easy ways to make the most of any home.
"Zillow is a perfect launch partner for Tastemade Home and together we're leveraging its innovative brand to provide insightful and inspiring entertainment," added Melissa Drucker, head of global sales and brand partnerships at Tastemade.
Tastemade Travel
Tastemade Travel focuses on original, mobile-first travel and adventure content designed to inspire the wanderlust experience generation with programming across the wide range of digital platforms where Tastemade is already so popular, like Facebook, Tastemade's Snapchat Discover channel, Instagram, and more. Using engaging video to surprise and motivate its global audience, Tastemade is transporting viewers from their backyard to the furthest corners of the globe. Experience-driven and curiosity-based, Tastemade Travel is helping viewers discover new and exciting destinations through the lens of the locals who live there.
Tastemade Travel features original episodic programming, awe-inspiring Spotlight videos, and the bucket list countdown Do Before You Die, as well as travel tips and tricks that deliver vibrant and compelling content to take viewers off the beaten path. In Tastemade's first original Travel series, In the Shadows Of, the company showcases ten of the world's most famous landmarks and highlights the personal stories that happen in their shadows.
About Tastemade
Tastemade is a global entertainment company inspiring the taste of a generation through entertainment, products and experiences. The company creates award-winning video programming in Food, Home and Travel, which appears on all major digital, mobile, OTT platforms as well as linear TV. Tastemade's consumer lifestyle brand also encompasses product offerings and experiences via live, interactive events. The company reaches a global audience of over 200 million active monthly viewers, streaming 2 billion views, and has built a creative, passionate, global community. Tastemade has won a host of awards for its innovative video programming, including two James Beard Awards in 2014 and 2017. Based in Santa Monica, CA, Tastemade is funded by Redpoint Ventures, Raine Ventures, Comcast Ventures, Liberty Media, Scripps Networks Interactive, and Goldman Sachs. For more information, visit Tastemade at: www.tastemade.com.


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If you're looking for a way to get your old records onto your computer, or if you're a DJ and you want to make the switch from vinyl to mp3 decks, Audio-Technica has an array of USB turntables that will make sure you get the best possibly audio quality when you rip those old analog records to a digital format. The Audio-Technica AT-LP60-USB belt-driven turntable is designed for DJs on a budget that need a quick way to get their music onto their computers. At $229 retail, the AL-LP60-USB gives you a simple USB audio output, included cartridge and dust cover, and the ability to switch easily between 7 and 12-inch platters at 33 1/3 and 45 RPM records.
DJ or musicians who want more professional features should look at the Audio-Technica AT-LP120-USB; a direct drive model that will appeal to most club DJs who are used to direct drive models over audiophiles who prefer lower-noise belt-driven turntables. The AT-LP120-USB is $429 list, has all of the features of the AT-LP60-USB, adds 78 RPM to the RPM selector, and gives you the flexibility to use the turntable both for mixing and for audio capture.
If you can wait and have $499 US to spend, Audio-Technica will release the AT-LP240-USB in September, which brings all of the same features of the LP120 to a higher-end package that's designed for both professional and basement DJs who want to connect their turntables to their computers, their home entertainment system, and a mixer at home or at their next gig. Each turntable model comes with a dust-cover and a cartridge, and is supported as a plug-and-play audio device in Windows and Mac OS X.


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Full Body Skin Check for Adults €100 and Children €70
Single Lesion Spot Check for Adults €70 and Children €50
No GP Referral Required
SkinCheck is based on the Australian model of an easily accessible, affordable and convenient way of having your moles looked at in the community without the need for a GP referral. Dr Steve Karagiannis is an Australian Skin Cancer Doctor as well as a GP and has had extensive training in early skin cancer detection. He is happy to see Adults and Children who are concerned about suspicious skin lesions. He examines each mole using a Dermatoscope which is the gold standard used to detect early signs melanoma. If something suspicious is detected, a photograph is taken using the MoleMate Skin Imaging Camera and shown to the patient. Dr Steve will excise the lesion himself on the same day if time permits and send it to the hospital for pathological analysis; otherwise it is excised in the following few days. Often people have skin lesions that can only be described as 'somewhat suspicious'. These lesions are photographed and the patient is asked to return in 3-6 months for a comparison photograph to assess for any changes ie. 'mole mapping'. If changes are noted then the lesion is excised.
Request Appointment
Please check availability before filling out form.


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This tooth fungus excretes red liquid much like sap in a process called guttation, when the fungus absorbs extra water from wet soil.
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This section contains 330 words
(approx. 1 page at 400 words per page)
Chapter 4 Summary
Turtle wants to drive Buster to his home, which is a motel, the Casa Suerte, next door to a diner in Sand Dune, Arizona, so Taylor complies. His mother, Angie Buster, runs the diner and she tells Taylor on the phone that Buster runs away frequently. It's in the diner that Taylor and Turtle learn that they are celebrities.
They return home to Jax and we learn in this chapter that Turtle had been very slow to begin to talk after Taylor got her and that she had sought Alice's advice often as she finally began to improve. The little girl's doll is a square dark-green utility flashlight she calls Mary, from which she is inseparable. She even sleeps with it at night. She doesn't turn it on; it doesn't even have batteries.
While they were gone, many messages came in from people...
(read more from the Chapter 4 Summary)
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Things You Keep in Mind for Home Maintenance during Summer
Summer is somewhat difficult period in UAE as we must face the high temperature of hot weather for some months. During this season, we may experience many home maintenance issues that will be hard to rectify which may be from small repairs, deep cleaning to painting the exteriors of your home. Home ownership requires time… Read More »


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Jon Jones Ranked as One of the World's Top Men in 2013, According to AskMenNovember 8, 2013
Jon Jones has already gained the attention of the entire sports world with his seemingly inhuman level of MMA greatness, and he continues to turn heads towards his sport.
That success has already brought endorsements from companies once thought to be above MMA; Nike and Gatorade. It also got him on the cover of the next UFC video game, whose publisher once dismissed MMA's status as a sport, according to UFC President Dana White.
Now, according to AskMen, it has made him one of the greatest men of 2013. You can check out their full list (and you totally should) right here.
Jones sits at No. 26 on the list that rates men in fields that include sports, religion, technology, politics, pop culture and more. Jones finds himself sitting between Apple Senior VP of Design Jonathan Ive (who spearheaded development of the iPod, iPhone and iPad) and the surprisingly progressive Pope Francis (who has made waves with his statements on the Catholic Church's stances on social issues).
The list is highly exclusive, though, and Jones finds himself ranking among major players on the world's stage, such as Iranian President Hassan Rouhani (No. 31), United States President Barack Obama (No. 17), Russian leader Vladimir Putin (No. 11) and South African civil rights pioneer Nelson Mandela (No. 5).
Looking strictly in terms of sports, Jones finds himself ranked above the likes of former WWE star Dwayne Johnson (no. 45), New York Rangers goalie Henrik Lundqvist (no. 44) and Tennis great Andy Murray (No. 32), among others. Remarkably, he finds himself behind only top boxer Floyd Mayweather, Jr. (No. 24), transcendent basketball star LeBron James (No. 21), NFL poster boy Peyton Manning (No. 9) and openly-gay NBA free agent Jason Collins (No. 2).
The list is topped by genius billionaire playboy philanthropist, and CEO of Tesla Motors, Elon Musk.
Obviously, these lists always come with something of an asterisk (obviously Obama and Putin command far more sway over the world than Jimmy Fallon and Drake). Still, seeing a mixed martial artist being realistically pegged as the fifth-most influential figure in sports is something that seemed impossible even a year ago.


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text: (The following statement was released by the rating agency) Link to Fitch Ratings' Report: China Banks: Funding and Liquidity here SHANGHAI/SINGAPORE, September 12 (Fitch) The Chinese authorities continue to provide the liquidity to financial institutions necessary to maintain stability in the financial system following the tightening of financial regulations this year, says Fitch Ratings. Nevertheless, a weakening of banks' liquidity and funding profiles has made some of them more vulnerable to a policy misstep or loss of market confidence that triggers a liquidity crunch. The PBOC has been pumping liquidity into the system in increasing volumes and with greater frequency to make up temporary cash-flow shortages among China's banks. There is increasing evidence of ordinary support through formal channels, such as central bank facilities and interbank lending, aimed at managing financial system risk and controlling financing costs for the real economy. The People's Bank of China's (PBOC) balance sheet claims on depository institutions - banks, credit cooperatives and finance companies - was over CNY9 trillion (USD1.4 trillion) at end-July 2017, six times that at end-3Q14, when the central bank announced significant easing of monetary policy and introduced a raft of new policy tools to manage system liquidity. Deterioration in banks' liquidity profiles in the last few years has necessitated a rise in liquidity support. The big four state banks and Postal Savings Bank are still net providers of liquidity to the interbank system, but to a smaller extent than a few years ago. All other Fitch-rated mid-tier commercial banks now appear to be net liquidity takers. In 2013, all Fitch-rated commercial banks were net liquidity providers. Liquidity positions have weakened partly as a result of inefficient lending, which has caused a drop in lenders' net operating cash inflows relative to outflows. China has also moved away from having limited investment alternatives, strict caps on deposit rates and loan-to-deposit ratios, as well as very high economic growth - all of which contributed to banks being flush with deposits in the past. The widening gap between assets and deposits has been filled chiefly by off-balance-sheet wealth management products (WMPs) and interbank borrowing. Mid-tier banks are especially reliant on these sources of funding. We estimate that off-balance-sheet WMPs and interbank borrowing made up 43% of mid-tier banks' funding as of end-1H17, compared with 19% at state-banks, contributing to their asset-liability mismatches. WMPs and interbank liabilities, both of which have extremely short maturities, are the most likely triggers for market dislocation, even though the authorities have ensured there have so far been few instances of funding disruption. Systemic stress could also come from a system-wide tightening of liquidity, perhaps as a result of a policy misstep or major event that shakes confidence, such as a large and sustained resurgence in net capital outflows. In a limited stress scenario, the mid-tier banks that rely most heavily on non-deposit funding and that are net liquidity takers would be more vulnerable to liquidity shortages. The state banks are likely to benefit from a flight to safety, supporting their Viability Ratings. The authorities have demonstrated their willingness to provide ordinary support to the banking sector through recent liquidity injections, and they still have substantial resources to address deterioration in the banking sector. For instance, liquidity shortages within banks could also be alleviated by drawing down the CNY22 trillion in deposit reserves placed at the central bank. However, the large and increasing size of the banking system means that the cost of support could be substantial relative to even the sovereign's considerable resources. Further information can be found in Fitch's report titled "China Banks: Funding and Liquidity". The report can be accessed on www.fitchratings.com or by clicking the link above. Contact: Jack Yuan Associate Director Financial Institutions +86 21 5097 3038 Fitch Ratings (Beijing) Ltd. Shanghai Branch 3401, 34/F, Shanghai Tower No. 479, Lujiazuihuan Road Shanghai, 200120, China Dan Martin Senior Analyst Fitch Wire +65 6796 7232 The above article originally appeared as a post on the Fitch Wire credit market commentary page. The original article can be accessed at www.fitchratings.com. All opinions expressed are those of Fitch Ratings. Media Relations: Wai-Lun Wan, Hong Kong, Tel: +852 2263 9935, Email: email@example.com. Additional information is available on www.fitchratings.com ALL FITCH CREDIT RATINGS ARE SUBJECT TO CERTAIN LIMITATIONS AND DISCLAIMERS. PLEASE READ THESE LIMITATIONS AND DISCLAIMERS BY FOLLOWING THIS LINK: here. IN ADDITION, RATING DEFINITIONS AND THE TERMS OF USE OF SUCH RATINGS ARE AVAILABLE ON THE AGENCY'S PUBLIC WEB SITE AT WWW.FITCHRATINGS.COM. PUBLISHED RATINGS, CRITERIA, AND METHODOLOGIES ARE AVAILABLE FROM THIS SITE AT ALL TIMES. FITCH'S CODE OF CONDUCT, CONFIDENTIALITY, CONFLICTS OF INTEREST, AFFILIATE FIREWALL, COMPLIANCE, AND OTHER RELEVANT POLICIES AND PROCEDURES ARE ALSO AVAILABLE FROM THE CODE OF CONDUCT SECTION OF THIS SITE. DIRECTORS AND SHAREHOLDERS RELEVANT INTERESTS ARE AVAILABLE here. FITCH MAY HAVE PROVIDED ANOTHER PERMISSIBLE SERVICE TO THE RATED ENTITY OR ITS RELATED THIRD PARTIES. DETAILS OF THIS SERVICE FOR RATINGS FOR WHICH THE LEAD ANALYST IS BASED IN AN EU-REGISTERED ENTITY CAN BE FOUND ON THE ENTITY SUMMARY PAGE FOR THIS ISSUER ON THE FITCH WEBSITE. Copyright © 2017 by Fitch Ratings, Inc., Fitch Ratings Ltd. and its subsidiaries. 33 Whitehall Street, NY, NY 10004. Telephone: 1-800-753-4824, (212) 908-0500. Fax: (212) 480-4435. Reproduction or retransmission in whole or in part is prohibited except by permission. All rights reserved. In issuing and maintaining its ratings and in making other reports (including forecast information), Fitch relies on factual information it receives from issuers and underwriters and from other sources Fitch believes to be credible. Fitch conducts a reasonable investigation of the factual information relied upon by it in accordance with its ratings methodology, and obtains reasonable verification of that information from independent sources, to the extent such sources are available for a given security or in a given jurisdiction. The manner of Fitch's factual investigation and the scope of the third-party verification it obtains will vary depending on the nature of the rated security and its issuer, the requirements and practices in the jurisdiction in which the rated security is offered and sold and/or the issuer is located, the availability and nature of relevant public information, access to the management of the issuer and its advisers, the availability of pre-existing third-party verifications such as audit reports, agreed-upon procedures letters, appraisals, actuarial reports, engineering reports, legal opinions and other reports provided by third parties, the availability of independent and competent third- party verification sources with respect to the particular security or in the particular jurisdiction of the issuer, and a variety of other factors. Users of Fitch's ratings and reports should understand that neither an enhanced factual investigation nor any third-party verification can ensure that all of the information Fitch relies on in connection with a rating or a report will be accurate and complete. Ultimately, the issuer and its advisers are responsible for the accuracy of the information they provide to Fitch and to the market in offering documents and other reports. In issuing its ratings and its reports, Fitch must rely on the work of experts, including independent auditors with respect to financial statements and attorneys with respect to legal and tax matters. Further, ratings and forecasts of financial and other information are inherently forward-looking and embody assumptions and predictions about future events that by their nature cannot be verified as facts. As a result, despite any verification of current facts, ratings and forecasts can be affected by future events or conditions that were not anticipated at the time a rating or forecast was issued or affirmed. The information in this report is provided "as is" without any representation or warranty of any kind, and Fitch does not represent or warrant that the report or any of its contents will meet any of the requirements of a recipient of the report. A Fitch rating is an opinion as to the creditworthiness of a security. This opinion and reports made by Fitch are based on established criteria and methodologies that Fitch is continuously evaluating and updating. Therefore, ratings and reports are the collective work product of Fitch and no individual, or group of individuals, is solely responsible for a rating or a report. The rating does not address the risk of loss due to risks other than credit risk, unless such risk is specifically mentioned. Fitch is not engaged in the offer or sale of any security. All Fitch reports have shared authorship. Individuals identified in a Fitch report were involved in, but are not solely responsible for, the opinions stated therein. The individuals are named for contact purposes only. A report providing a Fitch rating is neither a prospectus nor a substitute for the information assembled, verified and presented to investors by the issuer and its agents in connection with the sale of the securities. Ratings may be changed or withdrawn at any time for any reason in the sole discretion of Fitch. Fitch does not provide investment advice of any sort. Ratings are not a recommendation to buy, sell, or hold any security. Ratings do not comment on the adequacy of market price, the suitability of any security for a particular investor, or the tax-exempt nature or taxability of payments made in respect to any security. Fitch receives fees from issuers, insurers, guarantors, other obligors, and underwriters for rating securities. Such fees generally vary from US$1,000 to US$750,000 (or the applicable currency equivalent) per issue. In certain cases, Fitch will rate all or a number of issues issued by a particular issuer, or insured or guaranteed by a particular insurer or guarantor, for a single annual fee. Such fees are expected to vary from US$10,000 to US$1,500,000 (or the applicable currency equivalent). The assignment, publication, or dissemination of a rating by Fitch shall not constitute a consent by Fitch to use its name as an expert in connection with any registration statement filed under the United States securities laws, the Financial Services and Markets Act of 2000 of the United Kingdom, or the securities laws of any particular jurisdiction. Due to the relative efficiency of electronic publishing and distribution, Fitch research may be available to electronic subscribers up to three days earlier than to print subscribers. For Australia, New Zealand, Taiwan and South Korea only: Fitch Australia Pty Ltd holds an Australian financial services license (AFS license no. 337123) which authorizes it to provide credit ratings to wholesale clients only. Credit ratings information published by Fitch is not intended to be used by persons who are retail clients within the meaning of the Corporations Act 2001


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Tips for purchasing a used Bobcat T190 include walking around the machine, inspecting the interior compartments, studying the undercarriage and detaching the bucket. Compact track loaders typically get more work done within a specified period of time and are able to navigate wet conditions and soft ground.Continue Reading
Inspect the exterior of the machine and inside the cab to get a sense of the kinds of conditions the machine works in. Torn seats, cracked glass or frayed seat belts may be indications of neglect or mistreatment. Any aftermarket welds or modifications on the loader arms should be done correctly. Check that the tracks have reasonable life left.
Open the rear compartment, and check that the shrouds are in place and for oil leaks. Inspect the color and levels of hydraulic and engine oils. Inspect the air filters and housing for dirt and debris. Remove the air filters to get a better view of the condition of the housing.
Inspect the rollers, idler and socket on both sides of the machines for wear and tear. Carefully inspect the treads for gashes, cuts and bends. Consider the cost of replacing the treads especially on a machine that primarily runs on hard rocks or pavement. Ensure that the sprocket is in good condition for a machine that has new treads because a damaged sprocket shortens the life of the track.
Lastly, inspect the bucket thoroughly, because replacing it considerably increases the cost of the purchase. Ensure that the cutting edge is in good shape. Remove the bucket, and inspect the areas surrounding the coupler for fractures and bends, and pull the levers to see that they work properly.Learn more about Vehicles


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MSW National Spelling Bee
2nd Place (Upper Primary Inter-School Category), Dania Sofia Khayrin Bte Hj Mohd Nazmi
3rd Place (Lower Primary Inter-School Category), Wong Zhang Jia
3rd Place (Lower Primary Open Category), Leeyanah Hamidiah Bte. Hj Abdul Hamid
Mari Bercerita (Brunei Muara District)
5th Place, Dayang Nadhratul Iman Binti Rosyadi
Youth Commonwealth Essay Writing Competition
Silver, Alya Batrisyia Binti Hj Mohd Alias
Taiwan ChineseEssay Writing
Silver Award, Abdul Izzwafi Md Nur Adeli
13th World Chinese Student Essay Writing Competition
1st Place, Hee Siang Huey
2nd Place, Ida How Jing Yun
3rd Place, Lai Min Jia & Timothy Leu Dao Xian
First Brunei Chinese Speech Competition
Finalist, Hee Siang Huey
MAKTAB SOAS Student Forum 2011, Theme "Are We Fulfilling Our Role in Conserving the Environment?"
Champion (Best Presentation) and Best Speaker
Team: Zahirul Ghazi Jomari, Md Zulwaqar Hj Md Sofian, k Md Amirzulhafiy Pg Adanan
Choral Speaking Competition for Private Secondary Schools
Champion, "If I Were a Voice"
BELTA English Language Oratory Competition
4th Place, Zahirul Ghazi Jomari
1st Drama Festival for Private Schools
Champion and Best Script Award, "Moonriver"
4th English Language Oratory Competition
4th Place, Charice R. Bantulo
CfBT Wordplay (National English Language Quiz)
3rd Place
Team: Ahmad Shafiq Hj Satia, Nur Ismah Fariza Abdullah, Shannon Osman Ali, Md Azmi Md Jailani
1st English Language Oratory Competition
3rd Place, Eddie Chu Md Hariz
Peraduan Mari Bercerita
3rd Place, Amirul Zakwan Zulkefli
CfBT Wordplay (National English Language Quiz)
4th Place
Team: Md Azmi Md Jailani, Md Azim Md Jailani, Nur Kamaliah Muhd
8th World Wide Overseas Chinese Student Essay Writing Competition (Beijing China)
2nd Place, Goi Shi Jing
BELTA English Language Oratory Competition
Champion, Yusf Fadhli Hj Md Sidek
Mari Bercerita
Champion, Md Amiruddin Hj Abdul Hamid
ASEAN-COCI 2nd English Debate Competition
3rd Place
Team: Rubianca Angelica Benavidez, Yusof Fadhli Hj Sidek, Amiratussyifa Hj Ali Hamzah
Mari Bercerita (District Level)
Champion, Muhd Zulazri Hj Abdul Latip
3rd Place, Dayang Ida Wendy Hj Qamarul Zaman
ASEAN-COCI 2nd English Debate Competition (Junior)
Team: Alister Tieng, Jana G. Macabali, Dk Amal Nadiah Pg Mohammad
Mari Bercerita (National Level)
5th Place, Ahmad Rasyidul Aiman Hj Rozaly
Mari Bercerita (National Level)
2nd Place, Farah Ezzaty Ali
Mari Bercerita (Brunei Muara District)
2nd Place, Abdul Manan Othman
Mari Bercerita (National Level)
2nd Place, Abdul Manan Othman
1st CfBT Standar Chartered Bank Short Story Competition
Champion, Halid Hussin. He received his prize from Her Majesty, The Queen of England, Queen Elizabeth II
Mari Bercerita
3rd Place, Ahmad Murad Hj Momin


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Nokia has announced plans to buy out Siemens' 50 per cent share of their network equipment joint venture Nokia Siemens Networks.
Nokia will gain full control of the profitable venture for $2.2bn, a cheaper-than-expected price, analysts said, as it bets on the technology to run 4G networks after having stumbled as a maker of smartphones.
The joint venture was established in 2007, combining Nokia's Networks Business Group and Siemens' carrier-related operations for fixed and mobile networks, become a leading provider of telecommunications infrastructure in more than 150 countries.
"With this transaction, Nokia buys itself a future, whatever happens in smartphones and feature phones," Bernstein analyst Pierre Ferragu wrote in a note to clients.
The cost to the balance sheet is still a risk for a company that is still burning through cash to keep its handset business running, but the deal is good news for the German firm allowing it to finally execute a plan to exit a business that had weighed on it with high restructuring costs.
Morgan Stanley said the price Siemens would receive for its stake was at the lower end of estimates, "however, in our view, the far more impactful point is that Siemens has managed to get this done".
Nokia's future has been cloudy since it fell behind rivals Apple and Samsung in the smartphone race after making the decision to switch to Microsoft's untried Windows software in 2011.
In contrast to Nokia's phone business, NSN turned profitable in the second quarter of 2012 after slashing costs and as its focus on fourth-generation Long Term Evolution (LTE) networks began to pay off.
"With its clear strategic focus and strong leadership team, NSN has structurally improved its operational and financial performance," said Nokia CEO Stephen Elop in a statement.
"NSN has established a clear leadership position in LTE, which provides an attractive growth opportunity."
Siemens has made no secret of its desire to exit NSN, having said often that the telecoms market is a tough one to be in, whether as an operator or as an equipment maker.
"With this transaction, we continue our efforts to strengthen our focus on Siemens' core areas of energy management, industry and infrastructure, as well as healthcare," said Siemen's Chief Financial Officer Joe Kaeser.
"The full acquisition of NSN by Nokia offers an attractive opportunity to actively shape the telecom equipment market for the future and create sustainable value."


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Sometimes the simplest social commerce solutions are the best. In social commerce, simple means simply adding customer testimonials and content to a website to make it more compelling and persuasive (adding customer content adds "source credibility" to communication).
HSBC's online bank, First Direct, is doing this – in realtime – harnessing the power of the realtime web with a public facing social media monitoring dashboard made up of six social media widgets. All designed to persuade people to switch banks.
Smart. And Stylish.
Is this the future of social media monitoring – public facing dashboards? How could your brand build on First Direct's solution of a public-facing realtime social media dashboard as a customer acquisition tool?


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Presentado por
by Monica Steinisch
To ensure your conversation with the lender representative is as productive as possible, prepare for the call by answering these questions:
Harper also advises going into the call knowing how much equity you have in the home and what your monthly income and expenses are. The lender will need your financial information to devise a realistic solution.
During this process, keep a log of all communications. Follow up any requests you make by phone with a letter, and make sure all agreements are put in writing. And stay in the property, since you may not qualify for certain types of assistance if you move out.
Legitimate, reputable lenders--as opposed to predatory lenders, who are intentionally deceptive or discriminatory--want to avoid foreclosures, which are both costly and time-consuming. Many, if not most, have special programs that provide options to financially strapped customers.
Freddie Mac makes a variety of workout options available to its borrowers, including:
What are the odds of your successfully avoiding foreclosure with one of these workouts? That, of course, will depend on your situation. However, a 2004 Freddie Mac study concluded that repayment plans could lower the probability of home loss by 80% among all borrowers.
Not every lender offers all these options. Some, such as the Federal Housing Administration (FHA) and Veterans Administration (VA), offer different or additional ones. You and the representative you speak with will determine which, if any, of the lender's programs will get you back on track.
Published 7-11-2011


text: Trafalgar Park Part of the village of Nelson, near Caerphilly, Trafalgar Park is a friendly care home, offering residential and residential dementia care. Living with us This friendly home offers a choice of places to relax, dine, exercise and socialise. There is also room dedicated to the pursuit of hobbies and interests. The pretty landscaped garden, cared for by some of our Residents, is a favourite location to spend time in the company of friends and family. All our bright and comfortable bedrooms and living areas are easily accessible by wheelchair. Some of the bedrooms also benefit from views across the garden. The home's caring team has created a family atmosphere, encouraging everyone to eat and celebrate special occasions together. Residents are invited to decorate their rooms with small items of their own furniture and treasured belongings so that it feels just like home. Daily life is thoughtfully designed to support mind, body and soul. Your personal care plan Trafalgar Park's Home Manager will make sure that all Residents receive the kindest possible care. Our extensively trained team deliver and specialist care and support services that your loved one could possibly require. Personalised care plans consider not only medical, personal and dietary needs, but also the individual's likes and dislikes, religious preferences, and any suggestions from family members that might make their stay with us that little bit more enjoyable. Show more Enquire about this care home Home features Lounge Call Bells Dining Room Quiet Room En-Suite Rooms Wet Rooms Hair Salon Nail Bar Cafe Pub Tea Room Kitchenette Garden Patio Wellbeing Hairdressing Minibus Wi-Fi Own GP Pets by Arrangement Specialist care categories Stroke Parkinson's Frailty Diabetes Heart Disease Incontinence Sight Impairment Hearing Impairment Latest inspection report This home is registered with the Care Standards Inspectorate for Wales View report


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Learn how to apply hot-fix crystals to any project with Cheri's innovative techniques and tools.
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text: Can I apply with my friend/spouse/significant other? By TEACH | March 3, 2017 | 0 Yes, everyone who is qualified is welcome and we will try out best to place you guys together, but not this is not guaranteed. Posted in Leave a Comment Cancel Reply Comment Name (required) Email (will not be published) (required) Website


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I'm terrified Supernatural's Dean might join forces with Amara
I think it's safe to say that Supernatural's Sam and Dean have quite the mess on their hands. If they weren't already scared of Amara, they should be now. I mean, she did announce at the end of Season 11's penultimate episode, "Welcome to the end," which definitely doesn't sound good.
More:Supernatural: I have never been more worried for Sam and Dean's future
Wednesday's episode, "We Happy Few," not only showed the union of angels, demons and witches (for real), but also proved that Amara is more powerful than God. After God and Lucifer found some common ground (and all thanks to Sam and Dean acting like counselors to the father and son), they formulated a plan to take down Amara with help from the Winchesters.
Their plan? Seeing as most of the archangels who originally helped lock Amara away are out of commission, they decided their best bet was to join the forces of God, Casifer, Dean, Sam, Crowley, Rowena, several other witches, angels and demons. Never did I think I'd see the day when all these groups would be uniting for a common cause.
God made it clear to Sam and Dean that Amara can't be killed, but she has to be locked away, again. Basically, there can't be darkness without light and vice versa. If one or the other is destroyed, well, it isn't good. Even though Dean was having a hard time getting on board with the fact that there needs to be balance in the universe (and mainly because he wants God to kill Amara, since he's worried about the connection they share), he ended up agreeing to the plan.
So, here's how the plan went down — unsuccessfully, I might add. Rowena lured Amara to God, where then the angels and demons attacked her. After getting pretty beat up, Lucifer then stabbed her and then she and God exchanged their typical banter and God even apologized for everything. However, that didn't stop him from trying to move the Mark from her to Sam, so he could then trap Amara in the box. That's right, Sam decided it was best for him to have the Mark rather than Dean because, well, Dean is somewhat fond of Amara. Technically, Dean did tell Sam that he'd have to be the one to destroy Amara, since he knows he can't do it himself.
More: Supernatural: Nevermind, I don't want Chuck to be God any more
Before the Mark could fully transfer to Sam's arm, Amara fought back and proved that not even God can make her powerless. Channeling her powers, she took down God. No, she didn't kill him, but he is in a dying state. Amara promised Dean and Sam that before her brother can wilt and wither away, he will watch her turn the world to ash.
What. A. Mess. I don't know how the Season 11 finale will turn out, but I do know that Sam had better keep his eye on Dean. I hate to say it, but I'm more worried about Dean right now than I am Amara. He is weak around her and that is a major problem. He was even squirming uncomfortably when God tried to remove the Mark. Yeah, that's not a good sign. I hope he doesn't end up joining forces with her or try to protect her if or when they figure out a way to lock her up.
That said, I'm going to try and continue to have faith in Dean because he usually ends up doing the right thing. I think he'll find a way to ignore his feelings for Amara long enough to trap her in the box. As God told Dean, maybe the reason he couldn't previously kill Amara was because he didn't want it to work. Hmm... maybe Dean does need to want Amara gone for good for it to work?
Who knows, but Dean, you had better channel your inner strength and fight like you always have to protect the greater good.
Supernatural's Season 11 finale airs Wednesday, May 25 at 9/8c on The CW.
More: Supernatural just showed how easy inclusion and character diversity can be


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A couple of ideas here for craft trees. Use these combined with other activities (you could add them to the
garden art
idea for instance) to enchance them.
Craft Tree Method TwoCut a piece of A4 or letter sized paper in half along the long axis of the page. Roll one half into a tube and sellotape it together in the middle of the tube and at ONE end. At the other end, make a series of cuts from the end of the tube, down to the middle. If you do them thin enough, the paper will curl (which is a good thing in this case). If the paper has not curled, curl it. Now push the inside of the tube up so the innner layers protrude above the outer layers. Voila! A many branched tree that will stand on its own.
This looks more effective with green paper, so you can either start with green paper, or dye or paint your own. Even better, you can paint the lower half of the paper brown, and the upper half green before you roll them up.


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PERTH AMBOY — The Outerbridge Crossing will be closed in both directions on Sunday, Oct. 3, between 6 a.m. and 10 a.m. for a Port Authority training exercise.
Motorists are advised to use the Goethals Bridge or other crossings between New York and New Jersey during this period of time.
New Jersey Bound
Route 440 South will be closed at the entrance to the Outerbridge Crossing and detour signs will direct traffic onto Boscombe Avenue to Route 440 North towards the Goethals Bridge.
Staten Island Bound
Route 440 North will be closed at the Amboy Avenue exit in Perth Amboy. Detour signs will direct traffic onto Waltrous Avenue to Route 440 South towards the Goethals Bridge via the Garden State Parkway and NJ Turnpike.
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In order to provide complete functionality this website needs your consent to store browser cookies. If you don't allow cookies, you may not be able to use certain features of the website including,but not limited to log in, order services, see personalised content or switch between languages. It is recommended that you allow cookies. More information
Western Power Distribution offers supply and installation services and full design for electrical distribution networks from 415V up to 132kV. We can provide services ranging from full turnkey projects through to specific input on individual items of equipment.
Western Power Distribution's approach is to liaise with you to ensure that your requirements are fully understood from the initial design right through to the completion certificate and to ensure that the project is managed with the minimum of disruption to your operation. We provide the highest levels of customer service which combined with the latest technical expertise, allows us to offer a standard of service that we believe delivers customer satisfaction.
For more information about our contracting services, to arrange a quote or to fix an appointment to discuss what we can offer please contact us by clicking here (remember to state 'Contracting' on your enquiry form!)
Or you can write to us:
WPD Contracting Services
Feeder Road
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Western Power Distribution (East Midlands) plc. Registered in England and Wales No. 2366923. Western Power Distribution (West Midlands) plc. Registered in England and Wales No. 3600574
Western Power Distribution (South West) plc. Registered in England and Wales No. 2366894. Western Power Distribution (South Wales) plc. Registered in Wales No. 2366985
All are registered to Avonbank, Feeder Road, Bristol BS2 0TB


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Miley Cyrus Live in Manila 2011
18-year-old Miley Cyrus is set to visit the Philippines on June 2011! Catch her on June 17, 2011 at SM Mall of Asia Concert Grounds for the "Miley Cyrus: The Corazon Gitano Tour" According to Music Management International, (MMI) Philippines is the only Asian country included in the said tour. Tickets details are on the poster above.
Miley Cyrus gain a massive worldwide fame when she started playing Hannah Montana on Disney Channel that run from 2006 up to January of 2011. She then forays into the music scene with hits like "Party in the U.S.A." reaching the top ten of charts in eight countries. In the US, the song peaked at number two on the Billboard Hot 100, becoming Cyrus' best-charting single to date and 6th-best-selling digital single of 2009. It was also deemed one of the best-selling singles in the US and Hollywood Records' fastest and best-selling single to date.
She already won numerous Kids' Choice Awards, MuchMusic Video Awards, MTV Movie Awards, People's Choice Awards and Teen Choice Awards. Miley Cyrus was also ranked number thirteen on Forbes' Celebrity 100 last year.


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Feb. 10
1400 block of S. Main Street
A 71-year-old black female informed SPD Ptl. Taylor Roush that she attempted to use the automatic car was at Atlantis Carwash, but did not fully understand how it worked. She stated she proceeded to drive forward while the car was was operating, causing the spray arm on the left of the vehicle to become stuck on the hood of her black 2007 Chrysler. The manager of the carwash advised that the female had to have driven forward during the car wash's operation for this incident to have occurred. The female was advised of the proper car wash procedure. Her vehicle had damage to the hood estimated at $250. Minor damage was also caused to the car wash.
Feb. 11
700 block of W. 21st Street
A 26-year-old black male told SPD Ptl. Christopher Owens that while he was attending a basketball game on Thursday and someone attempted to break into his apartment. He stated that when he arrived home he noticed the door knob was tampered with, but that the unknown suspect(s) did not make entry into his apartment and nothing was missing.
Feb. 11
500 block of S. Vine Steet
A 45-year-old black female told SPD Ptl. Taylor Roush that her significant other, a 53-year-old black male, had been harassing her. She explained that earlier that night she had officers called out to the residence and the officers had both subjects to stay away from each other for the rest of the night. She said she left the residence to stay at her cousin's residence and her boyfriend showed up intoxicated and began to bang on the door. She said she didn't want to call law enforcement, stating she didn't want to get him in trouble, but wanted him to get in trouble on his own. She also stated that he had previously threatened her and that they were going to court. She was advised of the affidavit process to proceed with possible charges.
Feb. 12
1000 block of N. Buerkle Street
A 33-year-old white male informed SPD Ptl. Jennifer Crossett that he woke up to his sister calling him to tell him that his ex-wife, a 32-year-old white female, was posting things about him on Facebook. He was advised of the affidavit process to proceed with a possible harassing communications charge and to save any messages or posts from his ex-wife.
Feb. 12
1200 block of E. First Street
A 57-year-old black male told SPD Ptl. Taylor Roush that his riding lawn mower had been stolen. It has an approximate value of $2,500. The male stated that he last saw it on Feb. 11 and didn't notice it was missing until approximately 10 a.m. the next day. He said he doesn't have the serial number to the lawn mower and it doesn't have any significant markings to distinguish it, but it was described as a yellow Poland riding lawn mower with a black grass catcher.
Stuttgart Police Department reports
Feb. 10


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The objects found and seized by police in the Greater Manchester area were likely parts of a 3D printer and not weapon components as claimed initially.
Just hours after releasing the first shocking statement claiming to have found the UK's first 3D printed weapon, heralding the onset of the new era of next generation 3D printed weapons, the Greater Manchester Police has toned down the declaration.
"We need to be absolutely clear that, at this stage, we cannot categorically say we have recovered the component parts for a 3D gun," said Assistant Chief Constable Steve Heywood.
The second statement came as the owner of the 3D printing shop in question spoke to the media, maintaining his innocence.
After being released on bail, the 38 year old shop owner said the seized parts were nothing but parts of the 3D printing machine itself. He said he is using the device to print models and toys, trying to build up a business.
The officers also took the shop owner's two air-rifles and an air-pistol, together with a 3D printed model of a Smith and Wesson gun he was making, which was nothing more than a harmless gun firing rubber bands. All those objects were taken by the police as evidence.
"I'm angry, disappointed and hurt. This could kill me, this could threaten the business," said the affected shop-owner.
"I was sitting here yesterday morning and I saw police officers coming to the door. I just thought it was a customer. We have officers who are customers. They came in and said 'We have got a warrant to search this premises'. They accused me of making gun parts," he said.


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Workforce For Good: Engaging Employees in Sustainability/CSR1 Comment.
17 leaders in sustainability and CSR in 12 Midwest Fortune level companies provide a rare inside look to successful employee engagement in sustainability/CSR in the new white paper Workforce For Good available for download at www.workforceforgood.com.
New Service: Green Career QuestionsNo Comments yet.
NEW: Green Career Questions: Got a quick green career question, new to the field, interested in green career advice, or an understanding of the industry? We've assisted dozens of green career search professionals.
Rethinking Waste: New Life to Old Fire Hoses3 Comments.
Fundamentally, waste doesn't have to exist. It is simply a matter of rethinking of the item as a resource and find new uses for the material. Today we got an interesting request – What to do with a city's worth of old fire hoses. What an interesting and fun challenge. Feel free to add your thoughts.
LEDs In Chandelier Result In 1700% ROI
LEDs in chandelier pays for itself in 2.6 months and represents a 92% cost savings. A $100 upfront expense saved $1716 over its 3.4 year lifespan. Case Study using LEDs in an apartment complex where the chandelier is operational 24/7 offering a breakdown of all the costs associated with energy, bulbs, and maintenance.Read more
Trust – Part IV: Corporate Social Responsibility
Part 4 of 4 in series on Trust and Corporate Social Responsibility (CSR) What are the implications of this model of trust in business? CSR? Sustainability? Leadership? PR?
Corporate Social Responsibility (CSR) and Sustainability are new for many companies. Corporations may be excellent at producing breakthroughs in pharmaceuticals or be masters in architectural design, yet have few skills in dealing with CSR. Where does this leave us with trusting them? How can a company's CSR activity engender trust from the doubting public towards that business?
LEED building complaints – are they really LEED related?
Are LEED building complaints from tenants really related to the building being LEED? In a discussion over several LEED apartment tenant complaints Matthew Rochte LEED AP, who has managed and owned non-LEED apartments, weighs in. The complaints as tenant complaints go are legitimate, but have little or nothing to do with the buildings being LEED certified, rather they have to do with cost cutting and poor design, construction, and facilities mainenance.Read more
Start At The Exit – O.S. White Paper
New Opportunity Sustainability white paper on the quick ROI available when you switch to LED exit signs. Estimated operational cost savings of 93%.Read more
Volcanoes, Business, and Sustainability
Funny thing about the planet – we often forget that it is much bigger than we are and often has a mind of its own. Take, for example, the chaos being created by the volcanic ash cloud over Europe this week. The recent eruptions of Iceland's Eyjafjallajoekull volcano are disrupting business systems on a global scale. We have been reminded once again of nature's brute force and primordial beauty. The continuing volcanic ash cloud is having holistic and systematic repercussions. Starting with air travel disruption, the impact is now ricocheting across international business and global supply chains. What will happen if the volcano repeats it's last (1821) eruption cycle of on-and-off spewing of ash for 13 months?
What impact will it have on the long-term viability and sustainability of companies in the region and around the world?
CSR and the Coming Talent Wars
Why do talented employees leave companies, often despite good salaries??
I keep hearing this question uttered by talent agents to news casters. They are saying this because, despite the ugly job market, people are jumping ship.
Beyond the typical reasons of bad management, poor working environment, and lack of stimulus – I would say that the top talent are fundamentally looking for something else.
Of Desserts and Styrofoam
Cold-Pack EPS Cooler shipping packaging. An example of doing it right if you have to use EPS, along with resources for both recycling and alternatives to EPS coolers for shipping perishable goods.Read more


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Greece is a small share of the world market, and Athens is almost 5,000 miles from New York City. Yet, the wild swings in the stock market on Thursday stem not from Greece's size, but from what it tells people about the future for other countries. On American's current path, Greece's current woes will be our future. From slower economic growth to having less money for their retirements, Americans have a real stake in learning from Greece's errors. Hopefully, the 347 point drop in the Dow Jones Industrial Average yesterday and the over 700 point drop since Tuesday will get Washington's attention.
The violent demonstrations in Greece are showing how incredibly hard it is to control government spending once programs are started. Even just cuts in the growth in spending are meeting stiff opposition.
The country has been offered what should be a very attractive deal. The European Union and the International Monetary Fund will give Greece below market interest rate loan of $141 billion in exchange for restraint on spending, but that is proving too much for many Greeks.
Greece is simply confirming investors worst fears. It was so easy for politicians to give benefits to voters and put them on credit so the tab could be put off for years. But when countries start having problems paying back their debt, they are a greater credit risk and the interest rates that they have to pay will rise. With that increase in rates, what were once difficult loans to pay back suddenly appear impossible.
The World Bank lists Greece's external debt at $582 billion, an amount equal to about 170 percent of their GDP. By contrast, the U.S.'s external debt is $13.8 trillion, but our GDP is much larger, so our debt equals about 96.5 percent of GDP. Our problem is that the Obama administration plans on increasing our federal government debt over just the next ten years by another $10 trillion. And this is likely to be an underestimate. For example, recent government estimates also indicate that President Obama's health care program will cost significantly more than what was estimated just a couple of months ago. Given current trends, we could be in Greece's league before much more than a decade goes by.
There are real costs to this debt burden. Carmen Reinhart of the University of Maryland and Kenneth Rogoff of Harvard showed in a study earlier this year that countries whose gross public debt exceeded about 90% of GDP grew about one percentage point slower each year than countries whose debt was below that level. They grew about two percentage points slower each year than countries whose debt was below 30 percent of GDP.
Greece is a warning sign that the market doesn't like what it sees. But what is really spooking international markets is the glimpse of the future that other countries face.
John R. Lott, Jr. is a FoxNews.com contributor. He is an economist and author of "More Guns, Less Crime" (University of Chicago Press, 2010), now in its third edition.
Fox Forum is on Twitter. Follow us @fxnopinion.
John R. Lott, Jr. is a columnist for FoxNews.com. He is an economist and was formerly chief economist at the United States Sentencing Commission. Lott is also a leading expert on guns and op-eds on that issue are done in conjunction with the Crime Prevention Research Center. He is the author of nine books including "More Guns, Less Crime." His latest book is "The War on Guns: Arming Yourself Against Gun Control Lies (August 1, 2016). Follow him on Twitter@johnrlottjr.


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Atomic Coffee had originally found fame as an iconic Ponsonby Cafe hosting gigs, but after a couple of decades the gloss had become somewhat worn. After observing, talking with, and being staff, competition and consumers none of the truly rockstar capability and philosophy was being expressed internally or externally. On that thought, an identity was rebuilt to match the culture. A logo based on guitar and amplifier brands screamed like a frontman from the takeaway cups telling all within eyeshot there was an Atomic cafe near by. Bags took their cues from beer rondels in an espresso head way. The culture joined in and colours became inspired from (E)'61 Muscle cars. The concept of a brand guideline defining logo clear space didn't seem to fit, which worked well with everyone involved.
As part of the innovation team creating a better experience for the LMI Pump classes, I spoke with and learnt how gym owners made the most of the space they had and the equipment taking up that space. Weight equipment were expensive in terms of cost of product and use of floor space. Excercise classes were the main income producer of their businesses by a significant margin. I then both joined in and watched the classes. Like any class, all the smart kids were up the front, and all the naughty kids were in the back row (mainly watching the smart kids bending down).
Amongst these strengths and weaknesses of a varied group, one thing held together all the awkward moments. There was a scramble and battle for the weights a participant needed, and an aggressive declaration of the floor space to use them in. There was a repetition of equipment required and a difficulty of adjustment that defined how much space one needed to occupy, and time between sets. The clear requirement was a bespoke weight system designed to match the needs of the class.
As a brand Smokai is about battles won and trophys taken. It's about hunting out the good food, using sharp tools, starting fires, and recounting the effort while you stand with your mates around the bbq, the story growing with the flavour until both become the stuff legends are made of.
As a product it is a hot and cold food smoker and range of smoking woods. As a culture it sits within a true passion for both the act of smoking but also how you got what you are smoking - the fly-fishing, the hunting, the diving - or the legend of it - and reliving all the best moments.
Harvest shows the hand crafted tradition of Gisbornes finest, and one of New Zealands oldest amongst the flood of new cider makers. For those who appreciate the originals and the authentics, the cues of a more unprocessed product reigns with Gisbornes sun as the quality mark of the regions beautiful purity.
Designing the tools for how great organisations think forms a very strong pillar for an innovative culture. For a designer interested in the content it is a joy.
There is nothing like a big cookie to bring a smile to your face, but one does need to have the appetite to match such greatness.
Many kiwi produced baby formulas enter the chinese market as a tourism brochure of how beautiful New Zealand is. Alvin was designed to fit in New Zealand first, allowing nature and growth for Alvin to be styled for us. It presents each stage as part of a wider pattern, and the nature of science as part of that pattern. Each blossoming flower a cog driving a greater system. Nature's science feeling at home in your nursery while sitting on your kitchen bench.
Before we had pharmacies, we had apothecarists who crafted concoctions both weird and wonderful. In the fine heritage of magnificent elixers and beautiful partnerships we have Mr Thomas, the curious scientist with a penchant for experiments, and Miss Rose, who tells Mr Thomas when he's on to a winner. The collection of experiments is continuous, and each success a work of art.
An origin mark showing the provenance of the many wines produced from the single estate of ARA. Ara can mean pathway - the mark representing how the estate was formed from a river flowing between two mountains. The mark itself designed to work as logo, seal, and texture.
The simplest mark to group an organisation and present itself to customers and competition.
From many varied and wonderful projects comes the undertanding some need to break the rules and some need to follow them. Printed money needs to look like money or it's not trusted. A project from 1999 to celebrate the turn of the millennium. A mainstream positioning was a premium offer in our market. Tiger beer was underground cool in 2010 NZ.


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> i am still working on it. I have a feature reuqest for the vdr dlna server.
I bought a tv and fast forwarding through the dlna is terribly slow (tried minidlna) and there are no "skip one minute" or "goto hh:mm" etc. functionality at all. Skipping minute forward, backward and "goto hh:mm" like vdr does could be implemented in the dlna server. Then the user could send these commands to te server which would do the skipping (its easy when we have the vdr index files). Of course controlling can't be done with the dlna client remote control and doing this with multiple dlna clients is not so simple (need separate remote control for each client, etc). Another idea: Vdr in a cheap computer that is not able to decode and deinterlace the video properly. Connect a dlna cabable tv to the dvi output of the computer and the tv to the same network as the computer. Then it will be possible to create a cDlnaDevice that will draw osd on an X11 window and send all video to the dlna client. If the tv is remote controllable through serial port or ethernet then switching from video to osd and back could be automatic. Of course it wouldn't be osd any more, but menus could be used anyway. Unfortunately subtitles wouldn't work at all unless the tv supported them. _______________________________________________ vdr mailing list email@example.com http://www.linuxtv.org/cgi-bin/mailman/listinfo/vdr


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Ayurvedic Treatment For Nightfall Or Swapandosh Problem In Men
What is swapnadosh?
Nightfall, a common problem in male is also commonly known as swapnadosh or wet dreams. This term refers to a phenomenon which leads to ejaculation of semen during sleep. The process is an involuntary act and sometimes person getting nightfall does not even come to know about it. It is a common problem experienced by young boys who even feel uncomfortable while discussing it. Sometimes the problem is really frustrating. Nightfall or wet dream is considered to be completely normal if it takes place once or twice a week. But if the frequency of nightfall increases and it happens more than two times a week then it is a need to worry.
What are the causes of swapnadosh?
There are many factors which are associated with development of nightfall. Some of these factors are:
1. The most common factor to cause excessive nightfall is over masturbation.
2. Medical conditions like chronic heart diseases and diabetes.
3. Lifestyle related problems which include high usage of alcohol, over uptake of junk food and over smoking.
What are the effects of Swapnadosh on a person?
Over masturbation is the major cause of nightfall. People who masturbate regularly have no control over ejaculation and are likely to ejaculate during sleep. Some of the many effects of nightfall are:
1. Overall decrease in lovemaking performance
2. Small time period and low quality erection
3. Emotions like anxiety and depression
4. Early tiredness
5. Low levels of confidence.
What are the effects of NF Cure capsules and Vital M-40 capsules on nightfall or swapnadosh?
A large number of herbal treatments can be used to treat the problem of nightfall, but NF Cure capsules in combination with Vital M-40 capsules is considered to be the best known ayurvedic treatment for nightfall problem in men. NF Cure capsules contain many herbal ingredients which increase the nutritional value of them. They provide nutrients to male genital region and enhance its functioning. Blood flow and oxygen supply is also increased as a result of uptake of NF Cure capsules. Increase blood flow and strong organs result in provision of enhanced energy to organs which strengthen these organs. This leads to the increase in regeneration power of cells and tissues in genital region of males. This further contributes to strengthen the reproductive system and reduce nightfall.
The efficiency of NF Cure capsules is further enhanced by Vital M-40 capsules. Blood circulation within the genital region is enhanced by uptake of these capsules. Vital M-40 also provide body with balanced nutrients which improve the overall functioning of body. Energy uptake of organs of genital region also increases. This increases the regeneration of cells and control ejaculation which reduces the nightfall and swapnadosh.
What are the directions to be followed for uptake of NF Cure capsules and Vital M-40 capsules?
This ayurvedic treatment for swapandosh problem in men can be taken in following dosage:
1. 1 NF Cure capsule should be taken in combination with 1 Vital M-40 capsule with water or milk once a day for a period of 2 to 3 months.
2. If nightfall are of severe frequency then 2 NF Cure capsules and 1 Vital M-40 capsule should be taken together with water or milk for a period of 3 to 4 months.
What are the side effects of using NF Cure capsules and Vital M 40 capsules?
As it is an herbal treatment and the ingredients used in it are extremely pure and natural hence this treatment possess no side effects. It is a very harmless therapy.
What is the expected time for the best results?
It depends on the severity of problem. Mostly this therapy shows effect within 30 to 60 days of treatment. But it is advisable to take it for a period of 3 to 4 months.
Read about Natural Treatment For Nightfall. Also know Natural Cure For Nightfall. Read about Natural Remedies For Nightfall, Swapnadosh Treatment.


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Nordstrom Event
Women's Health Meets High Fashion
The 4th Annual Nordstrom Fall Designer Preview runway fashion show took place Thursday, July 8, at the Portland Art Museum. The event was a success with more than $54,000 raised for the OHSU Center for Women's Health. Two hundred guests, from all across the state and Southwest Washington, attended the stylish event.
Co-chairs Barbara Palmer and Carolyn Stanley (shown) along with founding fashionistas Ann Edlen, Linda Hickey, Arlene Schnitzer, Julie Neupert Stott and Nicole Vogel led a committee of 30 women volunteers and successfully created a real "buzz" about the show which led to a sold-out evening.
Attendees got a first look at new collections from top American and European designers at a couture fashion show featuring the elegance, glamour and excitement normally confined to the runways of New York, Paris and Milan. We are grateful for Nordstrom's continued partnership and commitment to our community.
The 2011 Designer Preview is scheduled for March 3 at the Portland Art Museum and will feature spring fashion for the first time in Portland. We hope you can join us and enjoy the fashion show, cocktail reception and, of course, incredible shopping.


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A short, animated film from an animation intern working at Blue Sky Animation and another student who is now an employee of Jib-Jab and on her way to work as an an animator at Sony on a big Hollywood movie is getting a lot of attention online for its subject matter — LGBT love. Views for the film have grown by over 3M since.
The animated short, produced at Ringling College of Art and Design, follows a young man who fears being outed when his heart takes matters into its own hands and pops out of his chest to chase after his crush.
It was a labor of love that took about one and a half years, a Kickstarter campaign and a journey to Los Angeles, where they did a live recording of the score. They knew people were captivated by the film's concept when donations surpassed their $3,000 goal, eventually reaching $14,000.
Perhaps one secret to the charm of "In a Heartbeat" is its simplicity: The story is told without words, just music and animation.
Directors: Esteban Bravo, Beth David
Writers: Esteban Bravo, Beth David
Stars: Nicholas J. Ainsworth, Kelly Donohue
Watch here
source: Youtube


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Company News
In addition to the SEMA top honor and the Popular Mechanics awards, PASSPORT® Max™ has been officially rated the #1 radar detector in the January issue of Car And Driver magazine.
West Chester, OH, Dec. 18, 2013 -- ESCORT Inc., recent winner of the industry's top honor, SEMA Show 'Best New Product', is announcing that its all-new PASSPORT® Max™ High Definition radar detector has been rated #1 radar detector in Car And Driver Magazine.
"PASSPORT® Max™ has been officially rated the #1 radar detector in the January issue of Car And Driver magazine."
"Key industry experts including SEMA, Popular Mechanics and now Car And Driver rate ESCORT as the leading provider of the best radar detectors available," said Ron Gividen, ESCORT PR Director. "Our new PASSPORT® Max™ helps drivers to drive safer by giving them unprecedented driving awareness and category leading performance based on entirely new digital technology," he added.
At the nation's premiere new product event, the 2013 SEMA Show in Las Vegas last month, ESCORT's enormously popular PASSPORT® Max™ digital radar & laser detector wowed SEMA show judges and attendees. During the show, ESCORT received three major awards including the SMEA Show top honor, 'Best New Product'.
In addition to the SEMA top honor and the Popular Mechanics awards, PASSPORT® Max™ has been officially rated the #1 radar detector in the January issue of Car And Driver magazine (December newsstand).
PASSPORT® Max™ uses advanced Digital Signal Processing to scan for radar threats faster than other detectors. This increase in speed delivers a corresponding improvement in detection capability and range that has resulted in PASSPORT® Max™ setting three new industry marks: fastest response time; longest reception range; and best sensitivity for detecting low level signals.
"Our PASSPORT® Max™ sales continue to exceed our expectations," said John Larson, ESCORT President and CEO. "We are humbled by the response from our customers who overwhelmingly agree that this is the detector to have," Larson added.
The all new PASSPORT® Max™ is not slowing on its record pace for single model unit sales. From its day one launch through the holiday season, ESCORT's new premium detector is setting all new sales marks including: single day sales, first week and first month release sales and now, during one of the firm's most active months, PASSPORT® Max™ continues to pace all new marks for holiday season sales.
For more information about the new PASSPORT Max HD Detector, view ESCORT Inc on youtube, visit ESCORTinc.com or call the company direct at 800-964-3134.
About ESCORT Inc.
ESCORT Inc. is the designer and manufacturer of the world's most awarded radar and laser detectors, the patented ESCORT Live™ real-time ticket protection network, PASSPORT Max HD radar detector, ESCORT MediaFlair™, ESCORT MobileTV™, Guardian Alert reverse obstacle detection systems, Entourage GPS-enabled navigation and tracking products, ESCORT QuickStart™ and other Drive Smarter products. ESCORT holds more than 85% of all active category patents and manufactures products under the ESCORT, PASSPORT, REDLINE, SOLO and BELTRONICS brands.
Editorial Contact:
Ron Gividen


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"The clearest way into the Universe is through a forest wilderness."
― John Muir
In such a fast-paced world, it's easy to forget the natural beauty around you. Bernadette Chiaramonte uses her love of the outdoors and photographer's eye to present you with a collection of breathtaking displays of nature, wildlife, old buildings and landscapes. Emphasizing the Pennsylvania Grand Canyon, Edge of the Woods Photography inspires you to appreciate the world around you in a new light and grants you the ability to discover the peace and splendor that awaits right outside your back door.
Edge of the Woods Photography showcases the beauty of the wild. Enjoy the antiquity of an old building or the regal stance of an eagle in your home or office. Fall in love with the captured moment of a mother fox and her rambunctious cub, or ponder life as you look at various other original photographs. Edge of the Woods Photography's aim is to lift your spirits and to awaken your senses, allowing you to appreciate every detail of the world around you.
Edge of the Woods Photography is selling quality prints for reasonable prices to display in your home or office. Would you like to learn more?
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Do you need a range of lawn care services in River Town, St. Johns County, FL? If the answer is yes, you are looking at the right website. If affordable services are what you seek, TLC provides the packages that are designed to please you. Commercial lawn care is much different than residential. A contract with a large business is a big deal. Anyone who cuts grass can show up to a home or two and do a general cut. In the commercial industry, things work a little differently.
While some landscaping companies focus on cutting and edging, it is the pruning of shrubs and design work that actually makes a bigger difference. There are companies that specialize in fertilization although do not provide irrigation services. At TLC, the entire South Jacksonville metro area is serviced. No distance is too far when a business owner depends on a manicured landscape to earn an income.
Leafs that have spots on them is a sign of insect infiltration. When not treated quickly, grass can start to become discolored and a professional treatment needs to be administered. TLC not only offers competitive grass cutting, but weed removal is an integral part of any great lawn. Regardless of the sign of the lawn, weed control is necessary. The specialists that will arrive to handle lawn upkeep at your business are landscape maintenance experts.
The River Town area is filled with local businesses that support greater Jax community. One thing all of these companies share is a great looking landscape. While trees and flower gardens are not the only stylized designs, it does take proper planning and service to ensure that pests and insects to not destroy the beauty of a lawn. TLC offers rates packages for St. Johns County business owners. Call the number listed or use the estimate form to find out how what an affordable package can do for your company.
TLC has done an outstanding job and is a real pleasure to work with. All of the employees are extremely hard workers. From the management down to the lawn care personnel, everyone is both fast and efficient. I appreciate all of the fine talent working with TLC.
The property had been abused by a previous landscaping contractor, so T.L.C had a huge job to clean up. It was only a short time after they had started that the property was shining like a diamond. The staff is always very professional and quick to help with any circumstance. It has been a privilege to have T.L.C. as our landscaping contractor and I would not hesitate to recommend their landscaping services.
Over the last eight years, I have found all of the T.L.C.'s crews to be courteous and obliging. They are proficient and timely with all their equipment. They understand that it takes both new landscape material as well as careful and experienced maintenance of the landscaping to insure a beautiful property.
Outside of excellent landscaping service, T.L.C. has a remarkable customer response service. We have never had a problem getting quick responses. We are extremely happy with T.L.C. and would recommend them to anyone.


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The Lord is near to the brokenhearted and saves the crushed in spirit. Many are the afflictions of the righteous, but the Lord delivers him out of them all. -Psalm 34:18-19
I hope this helps anyone struggling with depression; it's a topic that can be difficult to discuss (and sometimes even embarrassing).


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Credits Earned within the Vermont State Colleges
All credits earned at a Vermont State College (VSC) starting with the fall 2002 semester are accepted by JSC without question, along with their corresponding grade/GPA, as institutional credit.
The VSC maintains a common (shared) course database. For example, taking PSY-1010 at one VSC institution equals taking PSY-1010 at any other VSC institution. In addition, completing a VSC graduation standard at one college within the system equals completion of that standard at any VSC in the event of transfer.
Transferring in a Previously Earned Degree
Students transferring a bachelor's degree from any regionally accredited institution will be waived of all general education requirements as well as from the VSC Graduation Standards.
Campus-based (non-EDP) students transferring an associate's degree from any regionally accredited institution will be waived of all lower-level general education requirements plus the following graduation standards for a bachelor's degree:
- The Information Literacy standard
- One of the two required Oral Communication evaluations
- Part 1 of the Quantitative Reasoning standard
Campus-based students transferring an associate's degree must successfully complete the following in order to meet graduation standards for a bachelor's degree:
- The Writing Proficiency exam
- One Oral Communication evaluation, and at least
- One Quantitatively Enriched course
Note: The associate-level graduation standards are waived for students in the External Degree Program.
Transferring Credits from Other Colleges & Universities
Official transcripts are required for JSC to evaluate credits earned elsewhere for possible transfer. In general, these policies apply:
- Credit from regionally accredited institutions will be accepted if grades are C- or better.
- In a sequence of inter-related courses, if the first course is passed with a grade below C- but the second grade is C- or higher, both courses will be accepted.
- Credits applied to a previously earned degree will be accepted as transfer credit.
- While credits may be accepted toward overall credit requirements, the extent to which transfer credits fulfill specific major or program requirements will depend on the courses taken and their applicability to JSC's requirements.
Courses may be transferred in to a program at Johnson State College in one or more of these ways:
- As a course equal to a course at JSC (e.g., Introduction to Psychology = Introduction to Psychology)
- As a general-education requirement equivalent (not necessarily a course-to-course equivalent)
- As a major requirement equivalent or substitute (not necessarily a course-to-course equivalent)
- As an upper-level elective
- As a lower-level elective
How Transfer Credits May Meet Requirements
The standard for a true course-to-course "equate" is high, as the course being transferred in must meet the same requirements as the course at JSC. In some cases a course accepted for transfer credit may count toward a general-education requirement but not be specific enough, or delve deeply enough into the subject matter, to count as a course or prerequisite required for a certain major.
General Education
For campus-based (non-EDP) programs, the Registrar's Office determines which courses being transferred meet the College's GEEC requirements (e.g., the development of fundamental skills and the attainment of the aesthetic, global, social and historical, and civic perspectives) — not necessarily whether the course is equivalent to one offered at JSC.
A decision by JSC not to accept a course for general education credit can be appealed to one or more department chairs depending on the credit being sought (e.g., to the chair of the Mathematics Department for a course to meet the "fundamental skills in mathematics" requirement). Students will need to provide both a course description and a syllabus for the course. If the appeal is granted and the course is accepted for general education credit, a substitution/waiver form must be completed and submitted to the Registrar's Office.
Definitions of General Education Requirements
Fundamental Skills
Freshman-level college writing courses, or finite math courses, from any accredited institution generally count toward the general education requirement at JSC. Unless specifically identified on an official transcript as such, courses will not be transferred in as "writing intensive" without a review of a course syllabus.
Disciplinary Exploration
Disciplinary courses must emphasize the primary concepts, methods of inquiry and major achievements of the field. Fields applicable to general education, such as world history, photography, sociology, biology, etc., are identified in course titles — not in course-number prefixes such as HIS, ART, SOC or BIO — as each college has its own course-numbering system.
Fields in addition to those listed in the general education core curriculum (GECC) may be accepted toward the appropriate GECC area provided they meet the above definition and fall within the predefined GECC areas of literature and philosophy, history and foreign languages, fine and performing arts, life science, physical science, anthropology/sociology/psychology, and political science/economics.
In general, Disciplinary Exploration courses are lower level, without prerequisites, and should be broad enough in scope to be introductory.
Interdisciplinary courses use materials and resources from at least two and preferably three or more disciplines (not genres), devote no more than half of the course time to one discipline, and integrate these disciplines so that insights gained from one reflect on the other(s).
Students wishing to have a transfer course considered for interdisciplinary credit should submit a course syllabus with their transcript. If a course is accepted as an equivalent of a JSC-offered interdisciplinary course, it will count toward the GECC requirement.
First-Year Seminar (FYS)
Students with fewer than 15 previously earned credits who have completed a first-year seminar at a previous college will be waived from the FYS requirement at JSC. A FYS must be a full semester, three-credit course, and not a credit designated "freshman orientation." Students transferring in 15 or more credits will be waived from the FYS requirement altogether.
Major Requirements
Students may appeal a decision by JSC to not equate a transfer course to a JSC course or to a requirement for a major to the chair of the department offering the major. Students need to provide a course description and syllabus for the course they wish to substitute for the one at JSC. If the request is granted, a substitution/waiver form must be completed and submitted to the Registrar's Office.
Advanced-Placement Credit
JSC will grant both advanced placement and course credit to students who have passed the College Board's AP exam with a grade of 3 or higher. Final recommendation for the number of credits will be determined in consultation with the student's advisor and the department chair for the appropriate discipline.
CLEP Credit
JSC considers satisfactory scores received on the College Level Examination Program (CLEP) for credit. Six credits may be given for each area, and three for each subject, in which a student scores satisfactorily.
Military Credit
JSC recognizes transcripts issued by the American Council on Education (ACE) as official documentation of military experiences. For more information, click on these links:
Assessment of Prior Learning
Learning acquired through work or other non-college experiences may be assessed for college credit. The Assessment of Prior Learning (APL) course offered by the Community College of Vermont is designed for this purpose. Students are guided through the process of describing and documenting their experiential learning in a portfolio. This document is then reviewed for credit by an committee of appropriate faculty and professionals. Credit is awarded through the Office of External Programs and may be transferred to JSC and other Vermont State Colleges. The Registrar's Office, in consultation with faculty and staff of the appropriate departments, will evaluate these credits to determine their applicability toward graduation requirements.
Assessment of Prior Learning
3 credits
(Offered through Community College of Vermont)
An opportunity for students to earn college credit for prior learning acquired either on the job or in other settings. Students explore past learning experiences and identify future educational goals. Students develop an individual portfolio describing and documenting prior learning. Upon successful completion of the course, students may submit their portfolio to the Office of External Programs for review of credit requests. Recommended prior learning: ENG-1051 College Writing or equivalent. (Before enrolling, students should consult the Academic Support ServicesOffice at Johnson State College at 802-635-1259.)
Foreign Academic Credentials
For JSC to consider accepting transfer credits from foreign institutions, students must have their post-secondary academic transcripts evaluated by an official foreign-credential evaluation service. Students are responsible for the credential evaluation and translation fees. A list of credential-evaluation services can be found at www.edupass.org.
International Baccalaureate
JSC recognizes the international baccalaureate (IB) degree and awards placement and credit for higher-level IB courses on a case-by-case basis to students who pass exams with a score of 4 or higher. (The college does not award credit for standard level IB exams). It is not necessary to have completed the entire IB curriculum (the diploma) to qualify for transfer credit. Students must provide an official IB transcript along with their application in order for IB credits to be considered for transfer.


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Tim Robbins Album Inspired By Midlife Crisis
It's natural: When men reach a certain age in their lives, they reflect on their mortality and start acting out with extreme — read: psychotic — behavior: Perhaps they'll plop down their life savings on a flashy new sportscar, maybe invest in an hair transplant, ah — and then there's our favorite; cavorting with younger women.
Tim Robbins recorded an album.
Speaking to BBC Radio over the weekend, Robbins, 51, said his midlife crisis came after "insanity" that followed the collapse of a film project. His 23-year relationship with actress ex Susan Sarandon was also on the rocks. When the couple — long revered as one of Hollywood's most enduring — finally separated in 2009, the father of two began asking himself what would make him happy and what he hasn't done that he regrets not doing.
"I was thinking about calling it The MidLife Crisis Album, but then I thought that's not going to sell any copies," Robbins reflects. "Then I thought, 'How about Songs of Love and Misery'? A midlife crisis – I think we all go through something, it's inevitable, it's unavoidable. You're staring some kind of frightening thing down. It's when you pass 40, inherently we double your age when we think about life."
While Tim's remaining tight-lipped on his signature sound and a possible release date for his debut LP, things are looking up on the love front; he's reportedly dating the mother of one of his bandmates.


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Google's impressive Pixel and Pixel XL have big and beautiful displays that needs protection. Now that the phone has been available for a few months users are looking for the best Google Pixel screen protectors. Below are a few great options to keep your phone looking new.
On October 4th the first phones made inside and out by Google were announced. The Google Pixel and a bigger XL. It's the next generation of Android and an evolution of the Nexus brand. Those who bought one will need accessories.
Read: Google Pixel XL Review
More and more these days owners want to keep their devices protected. From cases and covers, to screen protectors. Here we'll be offering up suggestions for some of the best protection. Including real glass screen protectors, which is what we'd recommend.
While we've already detailed some excellent official accessories for the Pixel as well as 20 great cases, users want a lot of different things. This is one of the first Google phones with plenty of options too, which is nice.
Out of the box Google's new Pixel and XL are very durable. Made out of a strong all metal frame and bezels around the edges to keep your screen safe. The phone uses Gorilla Glass which resists scratches and damage, but a bad drop could still cause damage.
Read: Android 7.1 Nougat: 5 Things to Know
When it comes to protecting a smartphone, the first concern is usually the display. Screens often get damaged, or are broken due to drops, scratched from keys in a pocket or purse and many other scenarios. Luckily we've managed to find some great Google Pixel screen protectors already available, or coming soon. Everything from real glass screen protectors, privacy screens and more. For both models.
Popular brands like Otterbox or ZAGG have screen protectors you'll want to consider, and Verizon is selling a few as well. Below are typical HD Clear films for cheap protection, durable hardened and reinforced glass, and much more. These are the best Google Pixel screen protectors available today. We'll update this post as more become available.


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A detailed history of the Churches of the Irish and the Britons from the fourth to the twelfth century with special emphasis on pre-Viking Ireland.... apostles and missionaries who came from the Continent or crossed from one island to the other, Ninian, Germanus of Auxerre and his companions, Palladius and Patrick. ... Nevertheless, there are some texts which enable us to give a partial answer to ... 1 See Levison, B1a#39;schofGermanus von Auxerre (NA, XXIX, 1903, p.
|Christianity in Celtic Lands
|Louis Gougaud, Maud Joynt
|Four Courts Pr Ltd - 1932
You must register with us as either a Registered User before you can Download this Book. You'll be greeted by a simple sign-up page.
Once you have finished the sign-up process, you will be redirected to your download Book page.How it works:


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- slide 1 of 5
Money is always a touchy subject. However, many people don't just lie to others about their finances, there are also many financial lies that we tell ourselves to make us feel better about our spending habits, which can be destructive to our long-term financial security. Don't fool yourself into thinking that it's alright to overspend and go into debt. Instead, realize that sensible budgeting and smart money decisions will secure your financial future. Here are a few of the financial lies that you should avoid to keep your spending habits under control.
- slide 2 of 5
It's worth it because it's on sale.
Many times we tend to buy items just because they are on sale, even when we don't need them. This leads to overspending and debt. When shopping, whether for groceries, clothing or high end items, bring a list to the store with you. Stick by the list and don't impulse buy just because something is on sale, it will help you save money, and help you control your spending habits.
- slide 3 of 5
I'll just file bankruptcy and I can start all over.
This is a very common misconception. With bankruptcy, you don't get a completely clean slate. In fact, a bankruptcy stays on your credit reports for 10 years, which will hinder you from getting credit. Additionally, child support, government student loans and tax liens are not relieved and discharged in bankruptcy.
This is no excuse for poor spending habits and shows great irresponsibility. Once a person files bankruptcy, the care of personal finances and spending habits must change, because there are rare instances where the same people can file twice. Take care of your spending habits now to avoid bankruptcy all together.
- slide 4 of 5
I'll charge it and just pay the minimum on my credit card.
Paying the minimum payment on your credit card does nothing to pay down the debt. In fact, it oftentimes doesn't even cover the interest you accumulate each month. Therefore, you can spend years paying off an item that you charge to your card. Spending habits like these will commit personal finance murder, because you'll never be able to dig yourself out from under the pile.Try to use credit cards for emergencies only, or for items that you will be able to pay off completely in three month's time.
- slide 5 of 5
It's okay to splurge and be in debt, you only live once.
Though it's acceptable to splurge once in a blue moon, it's not alright to live in debt. If you are constantly overspending and racking up debt, you are setting yourself up for financial disaster. Instead, have a concrete budget every month that tracks your income and expenditures. Allow for a small entertainment allowance which allow you to do something fun without risking your financial future. Controlling spending habits with a budget will ensure you're prepared for emergency situations and extenuating circumstances that may arise later.