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Salt Lake City Jet Charter believes in providing private flyers with private jet charter service that exceeds all expectations. We believe that your time, privacy, charter flight preferences, and most importantly safety are extremely important. All of our Salt Lake City Jet Charter brokers are based in the United States and are available to answer your questions via phone and email 24 hours a day, 7 days a week.
Our company is here to deliver a one-on-one, consultative experience to busy corporate executives, executive assistants, and leisure flyers. Our services cater to a wide variety of affluent flyers, working with clients to book flights everywhere throughout the state of Utah to International charter flights to any location in the world.
We believe that no request is too big or too small, or too out of the ordinary, and even if you don't book with us – we're always here to help. Our commitment is to arrange the best charter flights we can, and we will never cut corners when it comes to the privacy, safety, or comfort of our clients. When using our Salt Lake Jet Charter service, you can expect fast response times and a relaxing booking process.
Our private jet charter services extend beyond Salt Lake City, from arranging charter flights throughout state of Utah to booking private flights throughout the rest of the United States and anywhere around the world! Check out the pages below for more details regarding private aviation across Utah.
Salt Lake City Jet Charter was created to provide busy corporate executives, executive assistants, and leisure flyers a one-on-one consultative jet charter service experience. When using Salt Lake City Jet Charter you can depart or arrive into any of the local airports:
(KSLC, SLC) Salt Lake City International Airport – Salt Lake City, Utah
Longest Runway: 12,002 feet
(KPVU, PVU) Provo Municipal Airport – Provo, Utah
Longest Runway: 8,599 feet
(KSGU, SGU) St. George Regional Airport – St. George, Utah
Longest Runway: 9,300 feet
(KENV, ENV) Wendover Airport – Wendover, Tooele County, Utah
Longest Runway: 8,001 feet
(KCDC, CDC) Cedar City Regional Airport – Cedar City, Utah
Longest Runway: 8,653 feet
(KCNY, CNY) Canyonlands Field – Moab, Utah
Longest Runway: 7,100 feet
(KVEL, VEL) Vernal Regional Airport – Vernal, Utah
Longest Runway: 6,201 feet
(UT25) Monument Valley Airport – Oljato-Monument Valley, Utah
Longest Runway: 4,000 feet
Salt Lake City Jet Charter has access to the following Wyvern-certified aircraft for your private flight. All of the aircraft we utilize for charter service are operated by FAR Part 135 or 121 (or foreign equivalent) air carriers, using only veteran pilots in the private jet you're renting.
Salt Lake City Jet Charter will provide you with a variety of aircraft options based on the goals and budget of your trip, allowing you to charter a cost-effective aircraft, or the most luxurious, stylish corporate jet on the market. Check out our Aircraft Gallery for more details on all of the aircraft available for your trip.
If you don't see your preferred aircraft listed below, speak to one of our brokers and they will locate one for you.
View all Pistons and Turbo-Props
View all VLJ | Light Jets | Super Light
View all Mid-Size and Super Mid-Size Jets
View all Heavy | Large Jets
View all Long Range Jets
View all VIP Corporate Airliners
The following are examples of hourly rates for private jet, turbo-prop and helicopter rentals to/from Salt Lake City and surrounding areas.
|Average Hourly Rates
$1,000 – $1,800/hour
$1,200 – $2,000/hour
|Very Light Jets (VLJ)
$2,000 – $2,500/hour
|Light Jets
$2,200 – $2,800/hour
|Midsize Jets
$2,750 – $3,500/hour
|Super Midsize Jets
$3,800 – $4,800/hour
|Heavy Jets
$5,500 – $8,500/hour
|Long Range Jets
$6,000 – $12,000/hour
|VIP Airliners
$9,000 – $12,000/hr
$1,000 – $6,000/hour
* Hourly charter rates vary depending on aircraft make, model and year, as well as amenities, routing and scheduling/availability.
Salt Lake City Jet Charter is your one-stop shop for all things private aviation in the state of Utah. Our team works directly with several high-profile clients and executive flight departments to book charter flights for our clients all around the world. Whether its members of the media, athletes, celebrities, government officials or business executives, our Salt Lake City aviation team is familiar with the demands and requirements of these flights, and we go above and beyond to provide clients with a private aviation experience that is second to none.
If you're a personal assistant or you work for a flight department and need to arrange a private flight to Salt Lake City for your client, let our team be your personal assistant in private aviation. While the bottom line is still important, we understand that forming a relationship with a company you trust to arrange these flights is equally as important. That's why our Salt Lake City Jet Charter team is here to answer any aviation questions you may have in an effort to provide a transparent, one-on-one consultative experience when arranging fights to Salt Lake City, Utah.
Our private charter brokers are Wyvern Certified, utilizing safety standards and due diligence processes that meet and exceed the requirements several Fortune 500 companies apply to their own corporate fleets. The private aircraft we use for charter flights to/from Utah are all operated by FAR Part 135 air carriers (or foreign equivalent), and we aim to provide competitive, fair quotes for each and every trip.
We take our clients privacy, safety, and comfort very seriously, and our team diligently reviews the details of the most recent Wyvern PASS reports for pilot safety, aircraft maintenance and operator history when arranging your private flight to Salt Lake City. After booking your next private flight with us, you'll know you have a partner you can work with for every flight you need in the future.
If you have a private or corporate aircraft that has a mechanical issue, or you need to arrange simultaneous trips for your business executives, we can arrange a supplemental lift to Utah in as little as 4 to 6 hours. Our private jet charter team also offers unlimited quotes with zero obligations – if you're a fractional owner or a jet card member, give us a call and compare us to your current plan!
Request a Quote or give us a call at 1-888-987-5387 to speak with one of our Salt Lake City Private Jet Charter representatives for your next luxury vacation, business trip, or special event.
Average year of make: 2007 Max range (NM): 1400 Seating Configuration: 6-8 Cruising Speed (KTS): 475 Average Hourly Rate Inc. Fuel: $3024 Hawker ...READ MORE


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Financial Services Administrator
Leicester - Our Ref AL843
Salary to c£22,000 -
£26,000 per annum + benefits
My client is an award winning firm of
Independent Financial Advisers with an excellent reputation for creating
impartial financial solutions for both individuals and companies. They now have an exciting new vacancy for a Financial
Services Administrator to be based in their Leicester office.
The Person
The role will be suitable for someone who has 2 to 3 years experience as
an administrator within the financial services industry, either working for an
IFA or Insurance Company. You will have attention to detail, customer
services and excellent communication skills. A working knowledge of IFA
administration would be preferable.
Knowledge, Skills
& Experience Required
The Financial Services Administrator role requires an individual who is
experienced in working to deadlines, prioritising workload and providing a high
level of customer service at all times.
The ideal candidate should have a current working knowledge of:
comprehensive support to financial advisers.
Investments, Pensions and Protection for individual clients – preferably need
Cofunds experience
Submitting new
business and servicing - Protection, Investments, Top-ups, Pension Transfers
and Drawdown etc.
We process a large
number of new business cases and therefore you must be have good understanding
of remuneration structures e.g. fees and commissions etc
You will be computer literate with the ability to use Microsoft Office and
have a good working knowledge of Excel software.
Ideally educated to A Level, with at least 5 GCSE's, including Mathematics
and English, is preferred.
Package: salary to £26k, with a range of employee benefits which
includes 23 plus days holidays, Company Pension Scheme, Private Medical
Insurance, 4 x Death in Service.
If this role is of
interest, please apply with an up to date CV or contact Angela Liscombe at
North Oak Recruitment.
By submitting your
CV you consent to it being retained for use in connection with this and future
relevant and/or similar vacancies, you can of course, opt out of this at any
time by emailing us. We aim to respond to all applications but occasionally, due
to overwhelming application response, this is not possible. Should you not hear from us within 10 days
please assume your application has been unsuccessful.

subset: commoncrawl


text:
Tattoos Lower Back are becoming part of the traditional culture. What was earlier associated with shaded character types and thugs have now become a well known art kind that can be found in a large segment of society, from well-knowns to young office workers in several urban places all over. Pop culture may possibly get a lot to do with the introduction of tattoo designs as an acceptable means of representation but tattoo impressions have proven that they have transcended the quality of being a trendy.
What a number of people do not know is that tattoo designs have been in existence for 100s of years already in particular the tattoos lower back for women. Most historical civilizations have practiced it as a form of self-representation. It is also quite unacceptable that tattooing will go away completely anytime soon. Fact is, it is supposed to turn into even more well-known in time.
One of the most well-known tattoo designs, in particular among women, is the butterfly lower back tattoo. There are numerous causes why these styles of tattoo designs are highly famous. One reason is because the butterfly in itself is a quite preferred representation. Being a creature, the butterfly symbolizes lots of significances the first and foremost of which is new birth or reinvention. It is one among the greatest signs to signify the emergence of a women and her alteration from being a small girl into a young lady. Like the caterpillar that comes from a cocoon a nice butterfly, a young girl also subject to a similar conversion when she becomes a woman. And having a butterfly lower back tattoo is one among the perfect ways to commemorate the life-transforming experience.
Various people can possibly ask though why the butterfly tattoo designs are normally created as tattoos lower back. It is maybe due to the fact that the lower back is one of the highly sexual body part of a woman. It is one section of her body that she can safely showcase without exfoliating too much. A butterfly lower back tattoo could easily be observed if a woman is dressing in low-cut jeans
and a mid-riff. Certainly, it gets seen when the a woman is putting on a bikini. A butterfly lower back tattoo in fact sums to the sexiness of a woman by drawing attention to one of the most alluring parts of her body which is the curve of her lower back.
If you are seeking out a number of butterfly tattoos lower back then one of the best places to look for is the Internet. There are various websites on the Internet that provide hundreds of downloadable and printable butterfly tattoos lower back that you could take to a tattoo artist. All you would require is connect one of these sides in order that you could have accessibility to their design gallery. Then you would require to prefer a tattoo design that is one-of-a-kind, has a importance and you also like. One of the nice things about online tattoo ink databases is that they offer many possibilities of top quality lower back tattoo designs.
Tattoos lower back for women are feminine and they never steal a woman's femininity.


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Amlodipine / Benazepril
You can only add a maximum of 25 drugs to MyRx.
Please remove another drug before adding this one.
This medicine is a pink capsule imprinted with "LOTREL 2265" and "LOGO SANDOZ 573". and is manufactured by Sandoz Inc. a Novartis Company.
This medicine is a pink capsule imprinted with "I 98". and is manufactured by Citron Pharma LLC.
This medicine is a pink and white capsule imprinted with "93 7372 93 7372" and "TEVA 7372". and is manufactured by Teva Pharmaceuticals USA.
This medicine is an orange and white capsule imprinted with "RDY 340". and is manufactured by Dr. Reddy's Laboratories, Inc..
This medicine is a beige capsule imprinted with "LU E13". and is manufactured by BluePoint Laboratories.
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We apologize for the inconvenience


text:
Ed Sheeran Dragged Jay Z and Beyoncé to Midtown and Covered 'Empire State of Mind' for Them
They had Johnnie Walker on the rocks.
Ed Sheeran is, like, really famous, you guys. And this is just how famous he is: He told Jimmy Fallon that he hung out with Jay Z and Beyoncé on Sunday night, after they attended his show at Barclays Center. Since they were in our natural habitat, Vulture decided to go to Houndstooth Pub to investigate. It's a midtown establishment that has become Sheeran's go-to spot after Gary Lightbody, better known as the lead vocalist from Snow Patrol, took Sheeran there a couple of years ago, following their performance at Madison Square Garden. (Lightbody is one of the co-owners.) So, naturally, Sheeran was like, "Hey, Jay and Bey, I know this really cool bar in midtown we can go to," and they somehow didn't laugh in his face and were cool about it. (We imagine.)
Vulture spoke with a bartender who works at Houndstooth, and he told us that Sheeran arrived with Beyoncé, Jay Z, and his supporting act Irish musician Foy Vance a little before midnight, where they occupied the lower bar with about 20 other people. Then, Ed Sheeran worked for their adoration: That is, he and Foy put on an acoustic performance in the middle of the room for the next hour or so, singing covers — including one of "Empire State of Mind." At the beginning, there was a round of Jager bombs, but overall it was fairly low-key. "It was mostly kind of like a jam session," said a bartender. "There wasn't a whole lot of drinking going on." Jay Z and Beyoncé both had a Johnnie Walker Blue on the rocks, after which Beyoncé ordered one from the bar herself. (She's her own woman.) It should be noted that Sheeran told Fallon that they ate pizza, but our source could not confirm that pizza was eaten on the premises. ("It's a mystery pizza," he said.)
"Everybody seemed to be pretty relaxed and chilled out. It was very mellow," said our source. "They were both oddly polite. They just seemed kind of normal and really nice people. It didn't seem VIP'ed out or anything." Beyoncé and Jay: masters of chill.


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Michael relocated from Hong Kong to Sydney in 2010 and joined Swaab Attorneys' corporate group as a partner in August 2015. He has practised as an attorney for over 20 years —16 of which as a partner within international law firms in London and Hong Kong. His experience ranges from corporate finance, mergers and acquisitions, private equity and regulatory compliance to general corporate and commercial law. Michael has represented numerous international clients on entering as well as exiting the China market and on both public and private merger and acquisition transactions. He has also advised boards in connection with corporate governance protocols. Michael was referred to as a "Leading Individual" in 2002, 2003, 2004, 2005 and 2006 in the field of Capital Markets by The Asia Pacific Legal 500. Michael holds a Bachelor of Arts and Bachelor of Laws degree as well as a Higher Diploma in Company Law. He is also a graduate of the Australian Institute of Company Directors.
Liability limited by a scheme approved under professional standards legislation


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About the ProgramAmerican University, located in Washington, DC, promotes international understanding including the participation of students and faculty from more than 100 countries. Under a special agreement with the Inter-American Defense College, the School of International Service of AU offers a Master of International Service (MIS) degree in an accelerated modular format. Five of the modules required for completion of the program are taught as part of the regular IADC program, with additional requirements for students enrolled in the AU program. In addition, MIS students will be required to participate in classes offered outside of the IADC schedule. Students enroll at the beginning of the IADC academic year and complete the course at the same time they complete the IADC program. The approximate total cost of this program is $15,000. Additional InformationDetailed degree information including course content information for the past academic year (2008-2009) may be obtained from the American University Brochure. Interested persons may also visit the following web page for up-to-date details on the Executive Master's Program: http://www.american.edu/sis/admissions/Executive.cfm
Inter-American Defense College | 210 B Street SW Bldg 52 Fort McNair Washington, DC 20319| 202.646.1334
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Help a girl in rural Rajasthan, India attend school!
In India's northwestern state of Rajasthan, an underdeveloped, severe desert region on Pakistan's border, literacy rates are extremely low, especially among women.
Fifty bright, motivated girls at The Fabindia School in this harsh region need tuition help--the $25 per month tuition is simply an impossible expense for their families.
Sponsor a Literacy Site Scholar at The Fabindia School--just $25 keeps a young girl in school for an entire month!
Since its inception, the school has been committed to encouraging education for girls in a culture where most parents who can afford school would send only their sons. To accomplish this, the school has a policy of subsidizing their tuition. In addition, the school enrolls and subsidizes tuition for children from socially and economically marginalized communities who otherwise would not have access to a quality education.
The Fabindia School is a non-religious, non-profit, private school for boys and girls ages three through 17. With a library, science lab, computer center, sports fields, and a forested area, as well as a remarkable teacher-student ratio of 1:24, The Fabindia School offers an exceptional education to more than 700 students. It is a matter of pride that girls hold many leadership posts in the school.
Progress Report, September 2017
Thanks to YOUR donations, The Fabindia School was able to give partial scholarships to two girls in rural India. What sets the Fabindia School apart is their holistic approach to a well-rounded education. On top of studies, the school also offers extra-curricular programs and invests in Professional Development programs for their teachers. In August of 2017, the school's Under 17 Girls Football Team participated in a tournament organized at Heritage Girls School, Udaipur.
One of the girls that has been able to get an education because of your generosity is Kinajal Rao (pictured to the right). She had this to share with us:
"I am very thankful to those who are helping me by sponsoring my scholarship. My mother left me when my father was ill and then my father died after a few days, when I was just two months old. Now, my grandmother takes care of me, but she is very old. My grandfather died when my father was young. My grandmother works very hard to earn money to support us, and she would be unable to pay my school fees without this scholarship. I am very grateful to be getting this scholarship. With my education, I can become successful and support my grandmother when I grow up."
Krisha Dave - March 2017
"The school has been a blessing indeed to me! I have achieved a lot exploring myself in debates, artwork and singing. This school is best for all those students who want to become successful in life. Here all teachers are understanding and kind. I participated in school's first Orchestra performance ever in 2015 Annual Day celebrations! I learned to play guitar! This has been my biggest achievement I could ever dream of." Krisha Dave (pictured center), age 13, Class VIII
Progress Report, May 2015
This year, GreaterGood.org and The Literacy Site sponsored five hopeful scholars from Rajasthan, in North-West, India. In this region of india, female literacy rates are some of the worst in the country, and parents are still reluctant to educate their daughters. Generous donors completely funded an entire year of schooling for three students, and we are on our way to funding the remaining two girls. The Fabindia School is committed to providing a high quality, affordable education for girls from pre-school through Class 12 in High School.
Free Standard Shipping in the U.S. on your entire cart when you donate $15.00 or more in our Gift That Gives More™ program. See Current Promotions for details.
Why a Gift That Gives More™ is a smart, effective donation.
100% of your Gift That Gives More™ donation will go as a charitable gift to GreaterGood.org. GreaterGood stores pay the credit card transaction fee, so every cent of your donation goes to charity. GreaterGood.org has ultimate authority and discretion with regard to the distribution of its funds.
Please note: A free downloadable certificate is available to print for easy gift giving for any non-disaster related Gift That Gives More™. The "gift message" field during check-out does not apply to your Gift That Gives More™ certificate.


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Yesterday I had the great opportunity to speak for a Google+ Hangout sponsored by Half the Sky Movement's Community Ambassador and College Ambassador Programs. The panel included Hollaback's Emily May and Jane Stapleton of Prevention Innovations at the University of New Hampshire.
What are you going to do to end gender-based violence?
More Posts by David Lee
David S. Lee, MPH, is the Director of Prevention Services at the California Coalition Against Sexual Assault where he provides training and technical assistance on prevention. David manages the national project PreventConnect, an online community of violence against women prevention practitioners, funders, researchers and activists. For over 27 years David has worked in efforts to end domestic violence and sexual assault.


text:
Career Center
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Visit the website to sign up or for more information including class schedules:
Happy Paws is a program of the Virginia Beach SPCA and is endorsed by Chesapeake Humane Society and Norfolk SPCA. Our collective vision is for all pets in Hampton Roads to live in loving forever homes.
Research shows that behavior issues are among the most frequent reasons that people surrender their pets to shelters. Happy Paws serves as a proactive effort to prevent relinquishments to already-overburdened shelters. Currently, tens of thousands of animals are surrendered every year to shelters in Hampton Roads.
Our most popular classes include puppy and basic obedience, as well as classes for reactive and shy dogs. Private training is also available.
Happy Paws is made possible by a grant from the Alfred L. Nicholson Fund of the
Hampton Roads Community Foundation.


text:
Press Release
New York Superintendent of Banks, Richard H. Neiman, Takes Action Against V&V Check Cashing Corp. in Connection with Indictments Announced by the Manhattan District Attorney
Order Issued to Bronx and White Plains Based Company to Operate in an Authorized Manner and to Provide Special Reports to the Superintendent
July 18, 2008
New York, NY: New York Superintendent of Banks, Richard H. Neiman, today issued an order pursuant to Section 39 of the New York Banking Law against V&V Check Cashing Corp. (V&V) to ensure that V&V operates in a safe and sound manner in accordance with its authorization. Under the order the Superintendent will monitor the activities of V&V for the benefit of public interest.
This action is the result of an investigation conducted by the Manhattan District Attorney's Office (DA) and the New York State Police with assistance from the New York State Banking Department. The Manhattan DA announced the indictment and arrest of Vincent Grimaldi, principal, and James Cunningham, officer, of V&V and the indictment of V&V. The 26-count indictment charges Grimaldi with 10 counts of criminal possession of a forged instrument in the second degree, four counts of falsifying business records in the first degree and failure to file. The indictment further charges Grimaldi, Cunningham and V&V with four counts of offering a false instrument for filing in the first degree; Grimaldi and V&V with four counts of filing a false personal tax return; Cunningham and V&V with one count of criminal facilitation and V&V with two counts of offering a false instrument for filing.
"We are committed to working with our colleagues in law enforcement to ensure that the entities we supervise are operated in the public interest," said Superintendent Neiman. "We thank the DA's office and the New York State Police for their efforts during the course of the investigation."
V&V has offices at 620-A Castle Hill Ave. in the Bronx and at 125 Mamaroneck Ave. in White Plains, New York.
The Superintendent's order is accessible on the Banking Department's Web site at www.dfs.ny.gov/ea080718.htm.
The Manhattan DA's office issued a news release on this matter, which is accessible on their Web site.
The New York State Banking Department is the regulator for all state-chartered banking institutions, virtually all of the United States offices of international banking institutions, all of the State's mortgage brokers, mortgage bankers, check cashers, money transmitters and budget planners. The aggregate assets of the depository institutions supervised by the Banking Department are more than $1.8 trillion.
In addition to regulating banking institutions, the Banking Department is active in informing and educating all New Yorkers on banking matters. To contact the Banking Department, please call 1-877-BANK-NYS or visit our Web site at www.banking.state.ny.us.
Department of Financial Services
Consumer Quicklinks
Industry Quicklinks
Language Assistance
Sign up online or download and mail in your application.


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Work with IJRC
The International Justice Resource Center is committed to ensuring equal opportunity for all employees and applicants and to maintaining a workplace environment free from discrimination on the basis of race, color, religion, gender, sexual orientation, gender identity, national origin, age, or disability.
IJRC encourages applications from members of underrepresented and minority groups, and is committed to maintaining a diverse staff.
IJRC is currently accepting applications for the following openings:
International Human Rights Law Fellow
The International Justice Resource Center (IJRC) welcomes applications for International Human Rights Law fellowships beginning in the fall of 2018. The IHRL fellows play an integral role in IJRC's work and benefit from unique opportunities to gain varied and substantive experience in the field of international human rights law and advocacy.
Fellowships may begin between August and November 2018, and are for a minimum of six months and maximum of two years.
Fellows will work closely with IJRC's legal staff in developing and implementing projects in IJRC's three service areas: international human rights legal research and practice tools, litigation and advocacy support to individuals and organizations, and trainings.
Specific duties will depend on current projects and client needs, as well as the fellow's particular interests, but will generally include:
- legal research and writing on a range of human rights and international justice topics for published articles, manuals, and guides;
- contributing to practical tools and resources to assist human rights advocates in accessing international justice;
- formulating advice and guidance on international human rights litigation or advocacy for individual victims and advocacy organizations;
- assisting in the development and implementation of training programs on international human rights law and advocacy; and,
- liaising with other human rights organizations to familiarize them with IJRC's services and explore opportunities for collaboration.
Fellows will also participate in IJRC's awareness raising and outreach events, and may contribute to conceptualizing and creating unique resources and tools for our online resource hub.
Applicants must be able to work in IJRC's San Francisco office on a full-time basis for the duration of the fellowship.
Desired Qualifications:
- J.D. or equivalent (by start of fellowship);
- fluency in English;
- excellent research and writing skills;
- coursework in international law;
- academic or professional experience in researching or applying international human rights law;
- an understanding of the international human rights framework;
- a demonstrated commitment to public interest work; and,
- a collaborative, creative, and enthusiastic approach.
Where applicable, please also mention:
- foreign language skills;
- experience living or working abroad;
- significant international litigation or advocacy experience; or,
- relevant past or current work with human rights or social justice organizations.
IJRC will consider applications from all individuals who meet the minimum requirements.
Please note that fellowships are unpaid, but IJRC will assist qualified applicants as necessary in applying for external funding opportunities that the applicant has identified, such as through his or her law school.
To apply, please email a cover letter, resume, and writing sample of no more than 10 pages to firstname.lastname@example.com.
In your cover letter, please specify the anticipated start date and duration of the fellowship.
Applications will be reviewed on a rolling basis.
Development Volunteer
The International Justice Resource Center is accepting applications to fill a key volunteer position. The Development Volunteer will work with IJRC's Executive Director to research, design, and help implement strategies to successfully increase charitable support from foundations, individuals and corporations; plan and organize local events; and build relationships with other non-profit organizations.
The ideal volunteer will be a self-starter familiar with the Bay Area who has experience in a non-profit setting.
This position will provide an exciting opportunity to help a small organization grow, and will directly contribute to IJRC's efforts to increase access to justice for victims of human rights abuses around the world.
Duties would include:
• Assisting in planning and organizing networking events and trainings.
• Identifying and approaching local business to solicit support for events.
• Researching funding opportunities.
• Developing strategies for increasing contributions from local, national and international foundations, individual donors, and family foundations.
• Cultivating relationships with prospective donors and with other non-profit organizations, in cooperation with the Executive Director.
Desired qualifications:
• experience in an administrative or fundraising role;
• passion for helping a small nonprofit organization reach its next stage of growth;
• strong interpersonal skills; and
• a collaborative, creative, and enthusiastic approach.
Additionally, the volunteer must be based in the Bay Area and be able to, at minimum, come into IJRC's San Francisco office for meetings with the Executive Director.
IJRC will consider applications from all individuals who meet the minimum qualifications.
To apply, please email a resume and cover letter to Lisa Reinsberg, Executive Director, at firstname.lastname@example.com. Please indicate your availability by specifying the anticipated number of hours per week, start date, and duration of your volunteer commitment.
Pro Bono Attorneys & Law School Clinics
IJRC is grateful to the pro bono attorneys and to the students and professors in law school clinical programs who have contributed to our work. We welcome expressions of interest in collaborating on discrete projects, such as news posts or feature articles, legal research and writing on specific topics, updates or additions to the IJRC website, human rights defender interviews, and amicus curiae briefs. To propose a specific project or to inquire about opportunities, please email Lisa Reinsberg, Executive Director at email@example.com.


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Saying they are dissatisfied with the University of Illinois' costly and unsuccessful online campus startup, the board of trustees voted Thursday to try something new.
Instead of having a separate organization known as Global Campus, the university's three traditional campuses now will be responsible for all online education. The new operation is being called Global Campus 2.0, a name coined by the faculty-led committee that proposed the alternative.
U. of I. President B. Joseph White, who made Global Campus a central part of his vision for the university, said online options are essential to reaching mostly adult students who can't get to one of the three campuses.


text:
David Prince
No matter what spot you're propping, it begins with hunting and gathering: Shop your cupboards, dresser top, attic, yard, and even toy box for beautiful or quirky items. Successful displays are about character, composition, and a pulled-together palette. But you don't have to get it right the first time. Let things evolve, and have fun—tweaking setups along the way.


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Do you have a book agent?
Nope. Couldn't interest an agent in Mercury Falls. I think it didn't have enough vampires.
Nope. Couldn't interest an agent in Mercury Falls. I think it didn't have enough vampires.
I'd say there's a good chance of at least one more story.
This is a hilarious change of pace from the questions about the woodchuck. Thanks.
Now that Mercury Rests is basically done, I've been trying to figure out what to work on next. I've decided to finish a novel I started about a year ago called Disenchanted. Disenchanted is a tongue-in-cheek high fantasy epic that I've previously described as "The Lord of the Rings from the perspective of one of the Nazgûl." A sample: Whether death improved Boric overall is a matter of some debate, but there's little question that it enhanced him professionally. In […]
That's a question for Amazon Publishing. Amazon is understandably reluctant to make their books available on competing platforms, and I am understandably reluctant to leave Amazon Publishing, because they sell a lot of books for me. By the way, the Nook uses the Android operating system, so there's no reason in theory why it couldn't run the Kindle Reader app. Maybe you should ask B&N why they cripple the O/S.
I'm not sure I can answer that without making a mistake.
Absolutely! Full disclosure: What I heard you say was "Blah-blah-blah-blah-beard-blah-blah-blah-blah. Tell me, should I read your books?"
Yes, I am. I'm not sure how you would go about mocking the Bible. It's an inanimate object. Can you mock a spoon or a tree? I'm not sure it's possible to mock God either. God is all-powerful, all-knowing, loving, just and eternal. Where would you start with the mockery? His hair? Clearly you can mock human ideas about God and the Bible, though, when those ideas are mistaken or absurd. That's what I try to do in Mercury Falls.
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Watch how to make this recipe.
Preheat the oven to 450 degrees F. Grease a 9-by-13-inch baking dish with oil. Fill the bottom of the dish with one layer of the potatoes (about 4 cups). Drizzle the potatoes with 1 tablespoon of the oil. Bake until hot and crisp, about 20 minutes. Let cool for 15 minutes.
Meanwhile, heat the remaining 2 tablespoons oil in a large skillet over medium-high heat. Add the onions and red and green peppers. Season with 1/2 teaspoon salt and a few grinds of black pepper. Cook, stirring occasionally, until the vegetables have softened and started to brown, about 6 minutes. Add the corned beef, and cook for 2 minutes more. Let cool.
Whisk together the eggs, milk, mustard, hot sauce, 1/2 teaspoon salt and 1/4 teaspoon ground black pepper in a large bowl.
Sprinkle 1/2 cup of the Cheddar over the potatoes in the casserole dish. Layer the vegetable-beef mixture over the Cheddar. Pour the egg mixture into the dish and top with the remaining cup of Cheddar. (The casserole can be assembled up to this point and refrigerated overnight. Remove from the refrigerator 30 minutes before baking.)
Preheat the oven to 350 degrees F. Top the casserole with the remaining potatoes (about 2 cups). Bake until the egg mixture is set and the top is lightly golden brown, 50 to 60 minutes. Let cool for 15 minutes before serving warm or at room temperature.
This recipe has been updated and may differ from what was originally published or broadcast.
Copyright 2014 Television Food Network, G.P. All rights reserved.
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Have you adopted a pet? Or are you a shelter volunteer?
Valentines Day
Its amazing how much love and laughter a pet brings into your home! Express your feelings this Valentine's Day with a heartfelt gift for the furry love of your life! Be ready for non-stop tail wagging when wearing one of these cute collars!


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Browsing Other Institutes / Centres / Divisions / Services by Title
Now showing items 89-108 of 197
Making information and services available in new and virtual environments : research support in ODL environments (Stellenbosch : Stellenbosch University, 2011-11)
Making the link : the library's role in facilitating research collaboration (Stellenbosch : Stellenbosch University, 2013-04)Collaboration is emerging as an important factor in the advancement of science and scientific output. Paying heed to this development, libraries face the challenge of providing services to facilitate collaboration amongst ...
A MEMS based valveless micropump for biomedical applications (Stellenbosch : University of Stellenbosch, 2010-03)ENGLISH ABSTRACT: The valveless micropump holds great potential for the biomedical community in applications such as drug delivery systems, blood glucose monitoring and many others. It is also a critical component in ...
Migration patterns and migrant characteristics in the Western Cape through a differential urbanisation lens (Stellenbosch : Stellenbosch University, 2014-12)ENGLISH ABSTRACT: This research examines contemporary in-migration patterns and trends to the Western Cape over the period 2001 to 2011. It applies the concepts of main stream and sub-stream migration from the theory of ...
Minister van Finansies open innoverende Navorsingsentrum by die Universiteit Stellenbosch (Stellenbosch : University of Stellenbosch, 2011-05-06)
Modelling subject-specific patellofemoral joint dynamics (Stellenbosch : University of Stellenbosch, 2010-12)ENGLISH ABSTRACT: A methodology to facilitate analysis of dynamic subject-specific patellofemoral function is presented. An enhanced understanding of patellofemoral biomechanics will enable orthopaedic surgeons to identify ...
Modelling the pre-assessment learning effects of assessment : evidence in the validity chain (Blackwell Publishing Ltd, 2012-10)OBJECTIVES We previously developed a model of the pre-assessment learning effects of consequential assessment and started to validate it. The model comprises assessment factors, mechanism factors and learning effects. The ...
National initiatives : role of the National Library of South Africa (Stellenbosch : Stellenbosch University, 2010)Paper presented at the Stellenbosch University Library 2010 Symposium / IFLA Presidential Meeting. Knowing is not enough: Engaging in the knowledge economy, 18 to 19 February 2010. Libraries and information services are ...
New roles for libraries in data-related areas (Stellenbosch : Stellenbosch University, 2011-11)Paper presented on 17 November 2011 during the Stellenbosch University 2011 Annual Symposium.
No Lesser Place: The taaldebat at Stellenbosch (SUN PReSS, 2006)In No Lesser Place, professor Chris Brink, rector of Stellenbosch University since 2002, gives – in his personal capacity – an overview of and commentary on the main arguments of the taaldebat. He does so against the ...
Now into big strides : report on statutory status for the South African Library and Information Services sector (Library and Information Association of South Africa, 2012)The road to acquiring statutory status for the Library and Information Services (LIS) sector in South Africa has been traversed numerous times over the last sixty to seventy years. In more recent years, there has been ...
Observations on global trends in academic research and how top research institutions can manage these (Stellenbosch : University of Stellenbosch, 2011-05-10)Paper presented as part of the Research Seminar, hosted to celebrate the opening of the Research Commons at the JS Gericke Library, University of Stellenbosch.
Observed full blood count and lymphocyte subset values in a cohort of clinically healthy South African children from a semi-informal settlement in Cape Town (Health & Medical Publishing Group, 2015-09)Background. The paediatric full blood count and lymphocyte subset reference intervals used by the National Health Laboratory Service (NHLS), South Africa (SA), are taken from two international reference interval publications. ...
Official opening of the Research Commons (Stellenbosch : University of Stellenbosch, 2011-05-09)Video recording of the formal program presented in the auditorium of the JS Gericke Library on 9 May 2011. Presenters: Prof H Russel Botman (Rector and Vice-chancellor of Stellenbosch University), Dr Privan Gordhan (Minister ...
On designing open access mandates for universities and research funders (Stellenbosch : Stellenbosch University, 2011-10)
On the modularity of the intrinsic flexibility of the µ opioid receptor : a computational study (Public Library of Science, 2015)The µ opioid receptor (µOR), the principal target to control pain, belongs to the G protein-coupled receptors (GPCRs) family, one of the most highlighted protein families due to their importance as therapeutic targets. The ...
On the physiology of jouissance : interpreting the mesolimbic dopaminergic reward functions from a psychoanalytic perspective (Frontiers, 2013-11-06)Jouissance is a Lacanian concept, infamous for being impervious to understanding and which expresses the paradoxical satisfaction that a subject may derive from his symptom. On the basis of Freud's "experience of satisfaction" ...
Open Access Scholarly Publishing : the AOSIS journey (Stellenbosch : University of Stellenbosch, 2010-10-20)Presented during the Stellenbosch University Open Access Seminar, 20 October 2010.


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I had a vision of holiday magic free of cliche...festive but peaceful....and this is the result. The apple trees and roses are a bit of ancient symbology (and a nod to my mother's Anglican traditions), the gold and the crystal...purely for sparkle. Add to that the cocktail of scents---roses, a Diptyque Feu de Bois candle burning, gingerbread cookies---and I'd have to say we're in a holiday mood.
Sunday, December 6, 2009
Apple trees, gold leaf, roses, and antique chandelier crystals...
Posted by chelliswilson. at 3:07 PM
Labels: A Christmas tale...
3 comments:
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At Our Lady of Lourdes, we provide a competitive environment which gives our student-athletes an opportunity for athletic achievement in the areas of volleyball, basketball, softball, cheerleading and football. Participation in these sports gives our students an opportunity to become more self-disciplined while interacting positively with others and expressing themselves courageously and fairly in conflict situations.
Fall Sports (Grades 4 - 8)
- Football (Co-Ed)
- Volleyball (Girls)
Winter Sports (Grades 4 - 8)
- Basketball (Boys)
- Basketball (Girls)
Spring Sports (Grades (4 - 8)
Volleyball (Boys)
- Softball (Girls)
Track and Field (Grades - 8)
- Dash & Distance Runs
- 4-Person Relay Race
- Javelin & Discus Throw
- 2:30pm dismissal for away games starting at 3:30pm
- 3:00pm dismissal for away games starting at 4:30pm
Student athletes and their siblings must be picked up in the school office.
Adults driving students must have their current license and insurance on file with the school office.
Please turn in all the following paperwork and fees to the main office.
To avoid processing issues please submit at the same time. Some forms require initials and/or signatures before they can be accepted.
- Medical release form
- All sports other than Track and Field
- Track and Field
- Sports consent form (complete after reading documents below)
- Driver's insurance form
- Copy of driver's license and insurance attached.
- Uniform order form
Changes may be made during the season due to location availability.
- Football: Northridge Park Field
- Basketball:
- A Team: Northridge Recreation Center
- B Team: OLL Basketball Courts
- Volleyball: OLL Volleyball Courts
- Softball:
- Track and Field:
- Chaminade High School Field
Away Games
Please check sports calendar for exact location of away games.
- De la Salle
- St John Eudes
- St. Euphrasia
- St. Joseph the Worker
- St. Catherines
- St. Brigit of Sweden
- Chaminade


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Adult social care - directory record page
Wandsworth Community Transport
|1B Yukon Road,
|Wandsworth Community Transport (WCT) is a registered charity that provides specialist transport services across the borough of Wandsworth for community groups and individuals with mobility problems, including regular shopping trips and outings.
They provide a shopping shuttle service to help people get to Wandsworth shopping centre. It is a door-to-door service that runs daily and offers a regular weekly slot on the same bus with the same driver to ensure a friendly and secure environment. They also offer monthly trips to other shopping locations in London.
The charity offers outings to pub lunches, days out to the coast and other places of interest, as well as minibus hire for groups. Visit the website for a full list of current outings and trips. WCT runs a fleet of minibuses and vehicles which are fully wheelchair accessible and suitable for people with mobility problems, and they will consider any new transport request. There are two separate groups for outings:
- 'Road Runner' offers door-to-door services for people with mobility problems
- 'Silver Day Trippers' for more mobile passengers, including trips and outings further afield
WCT also runs Wandsworth Shopmobility at Southside shopping centre (see separate entry), which provides powered wheelchairs and scooters for daily hire and long-term hire.
Visit the Wandsworth Community Transport website
|Email address
|Telephone number
|020 8675 7460 (General Enquiries) / 020 8675 3812 (Transport Bookings)
|Further information
|Wandsworth Community Transport also provides:
- A minibus service for non-profit groups based in Wandsworth
- Volunteer drivers for groups who can't find a driver
- Volunteer escorts for passengers who need extra help
- Expert assistance for vehicle-owning groups
- Driver and passenger assistant training
- School runs and contract work: minibuses with a paid driver
Opening times:
- The office is open from Monday to Friday, 9am to 5pm
- Vehicles are available 365 days a year
Disabled access
Disabled toilets
|The cost of the shopping shuttle service is £2.50.
Costs for outings vary, but are generally between £4 and £10.
Minibus hire charges for groups start from around £25.
Record last updated: 12 October 2015


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Chris has been working with innovators, scientists, patients, providers and payers to support the advancement of personalized medicine for nearly two years. In his current role as PMC's communications director, Chris manages the Coalition's external communications efforts and contributes to analyses of the landscape for regulation, reimbursement and innovation in personalized medicine.
Prior to his role as communications director, Chris served as PMC's communications manager and office coordinator. He has also worked as a researcher at Binghamton University, where he published a peer-reviewed manuscript on social media use among nonprofit organizations.
Chris received the Binghamton University Department of Public Administration's Alpha Student Award upon graduating summa cum laude with a master's in public administration. He also graduated summa cum laude from the State University of New York at Brockport, where he received the college's Departmental Scholar Awards for both journalism and international studies.
Pioneering Precision: Industry's Move Toward a Targeted Era
Welcome and Introduction


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Check out free apron patterns, they are perfect for the beginner. This project will quickly build your sewing confidence. There is no need to run out and buy a pattern, all directions are here.
The apron can be made as plain or as fancy as you want. Begin plain and then once you understand all the steps you can dress up the free apron patterns with embroidery, lace, ruffles and or pockets. Dressing these up can be fun and they make great gifts.
Making aprons are wonderful projects for the beginner. As your experience grows you are able to take this same basic pattern and dress it up for great gifts.
Just because your gift is inexpensive and easy to make, does not mean you are creating cheap aprons. Embroidered aprons make beautiful shower gifts for the new brides.
You can add lace, pockets, rick rack and/or ruffles. Also personalized aprons are fun and easy to make for family and friends.
Adding to this apron sewing pattern is easy. Sewing a tea towel into the waist band is a handy and frequently overlooked idea. You never have to hunt a towel to wipe your hands with this quick and easy addition. The advanced seamstress will be able to satisfy that creative whim by adding to the complexity of this pattern.
Apron patterns can include half aprons, bib aprons, smocks, pinafores, and cobbler aprons. The easiest pattern for the beginner would be a half apron. Even this pattern can be a challenge though, if you add certain decorative elements like pockets, ruffles or by making it reversible.
Either experienced or beginner, you will find a pattern for you here.


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Friday Five Interview: Ray Pritchard
June 25, 2010
It is my privilege to interview a pastor whose ministry I have long admired. I discovered Dr. Ray Pritchard while I was on staff and editing a Christian publication and was delighted to excerpt some of his books. I began following his blog. He began blogging way before blogging pastors were cool.
Dr. Ray was the senior pastor of Calvary Memorial Church in Oak Park, IL for many years and is the author of numerous, best-selling books, including [amazon ASIN="0802415350″]An Anchor for the Soul[/amazon], which is distributed around the world and translated in many languages. Ray is frequently interviewed on radio stations across the country and is a prolific speaker at conferences around the world, including Word of Life. Dr. Ray now is the full-time director of Keep Believing Ministries which equips pastors and church leaders around the world with a resource-rich website, Ray's books, and a speaking ministry that takes him around the globe.
I have personally benefited from Dr. Pritchard's ministry. He has been a rich source of wisdom and advice on pastoral ministry, writing, and life. I consider him a great friend. I also regularly peruse his archive of sermons and blog posts for insight into my own preaching.


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Bobbie the Rottie Needs a New Forever Home (Glasgow)
Bobbie the Rottweiler needs a new home. She is nearly four years old and a loving dog and really loves to play. She should be in a home with no other dogs. Generally gets on well with other dogs but has issues with smaller ones. She suffers from bad shoulder but vet says just a weak joint and she is not on medication or treatment. Frequent shorter flat walks are required. She needs a family that will give her lots of love and attention. She is a big dog so families with older children recommended or a great companion for someone older. Totally house trained, and can be left alone for several hours at a time. Travel's well, and likes the car. Sometimes she thinks she is small and tries to get up on your lap as loves to be stroked and given lots of attention. Likes water and fishing for stones and likes chasing anything you throw for her. She can startle quite easily when people walk behind her when she is relaxed on the lead. She will bark at people coming up the drive, but lick them to death when she meets people. Vacs are up to date and beside her weak shoulder a healthy dog. We have been fostering her for a year, but she does not get on with our little dog at all so we are unable to keep her.
You can call me on Protected content


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It's a week before the conference and Arianna still failed to tell Malachi about it. She had second, third, and fourth thoughts about going. It all came back to the fact that she really has feelings for Shane. It was something about him. It was everything about him that made Arianna's whole mood change. He softened her. He made her feel that there could actually be someone out there that could make her happy instead of being with someone
that should make her happy but is failing. She hadn't noticed the difference until she'd met Shane.
They went to Pierre's Chateau, a French restaurant in town and she loved it.
"I really enjoy the time we spend together Ari."
"Me too," Arianna whispered fighting the quiver he sent down her spine. She loved how he called her Ari. It was beautiful. It made her feel so special like she meant something to him. It was just a nickname but to her it meant so much more than that.
"So, I know I'm bringing this up pretty much every day but you have to tell him."
"I know. I will."
"Tonight. Please." Shane begged. Who was he kidding? What was he thinking with her? Why did he want her so bad knowing that she had a man? A father for her son? This was bad. He couldn't fight it though. She was the perfect amount of everything. Her Confidence, intelligence, style, and sexiness all made him feel as if she was too good to pass on. Sure she was taken but if her man was treating her right at home would she be out with another man almost every day?
At this point Shane knew he was justifying something inherently wrong. She was taken and he was actively volunteering to be her side piece. But he wanted her. Even though he shouldn't.
"Ok Shane. I get your point." Arianna looked at him, admiringly.
"You're beautiful," he said capturing her eyes with his.
"You're not so bad to look at yourself." She smiled and sipped her water. "I love this."
"This place is beautiful. Only the best for a queen such as yourself."
Arianna blushed, "Thank you, but I was referring to being with you."
He licked his lips. "The first time I saw you, I knew you were special."
"Oh yeah? How did you know that?" She asked with her eyes glued to his.
"Because, the first time I laid my eyes on you, everyone else in the room disappeared." He grabbed her hand and kissed it.
"Seriously? You expect me to believe that? It sounds like a line." She laughed.
"I'm a grown man. I don't need lines. I want something special with you. I know I'm a little older but I'm really hoping you decide to give me a chance.
"That's why I'm being so honest with you."
"I don't know."
He kissed her hand again sending a chill down her spine. "You're in control."
Arianna left that date feeling like she was dreaming. She drove back to work in silence. Shane and her always left separately and came back separately. They didn't want to be part of the gossip.
She had never felt this way about anyone as far back as she could remember. It was strong and it was getting stronger by the day.
He was on her mind and she felt little guilt for the Shane fantasies that invaded her mind and left her body on the edge of an explosion. In one they were in a hotel and she had him handcuffed to the bed while she did very inappropriate things to him. In another she got married and lived in a mansion with him.
She stepped back into the office and Cayla greeted her at the door.
"Hey Cayla, what's up?" Arianna asked
Cayla's eyes bulged.
"What's wrong with you girl?" Arianna asked.
"Um… Malachi came here looking for you."
"Ok…? Why do you look like you're about to have a heart attack?"
"I told him I thought the two of you were together."
"What? Why would you think that?"
"The way you come back from those lunches I thought — but I understand now," she said nonchalantly.
"Understand what?" Arianna asked puzzled.
"You're having an affair." She shrieked with laughter. "Ooh girl, with who?"
"Shh! Why would say that so loud? And it's not true."
"Well you should've told me, I would've covered for you but I didn't know."
Arianna shook it off. Damn she promised Shane she would tell Malachi about this conference. If he was already suspicious because she was missing for her lunch break, surely he wouldn't believe the lies about the conference.
Arianna pulled into her driveway and sighed. She walked in the house cheerfully, smiling, hoping it hid her nervousness. She figured a little energy may help with the lie. "Malachi! Where are you? I have great news!" She closed the door behind her saying a quick prayer that this would work.
Malachi walked into the living room, "What news?" He asked curiously.
"I'm going to the Spring Conference. Somebody was fired and I'm the replacement. That's nice right?"
Arianna asked trying hard not to break eye contact but remain sincere.
"When did you find this out?"
"Today. My boss called me into an emergency meeting today around 12 and asked if I would come with her."
"Oh that's nice babe. Congratulations." He hugged her.
"Well that's good news. I actually came by your job today to surprise you with lunch and Cayla, I think her name was, told me that you were out with me. I thought that seemed weird."
"Yes, Cayla is not the smartest cookie. But we do normally have lunch together and I had to push my lunch back. I wish you would've waited I would've had a late lunch with you," she lied.
"Maybe next time," Malachi offered. "How long will you be gone?"
"Four days and I'll be back. It's next Thursday. I'm excited. This could be my chance to network with other lawyers and maybe even get a raise."
"Ok." He sounded suspicious to Arianna but he didn't say anything so she let it go. Lying was hard. It took a lot out of her.


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* Global investment banking fees $15.5 bln in Q3
* JP Morgan tops fees league table
By Kylie MacLellan and Douwe Miedema
LONDON, Sept 28 (Reuters) - Investment bankers are pinning their hopes on more confident companies and investors to help boost deal activity, after a slow year in which global investment banking fee income fell to its lowest since early 2009.
Global investment banking fees totalled $15.5 billion in the third quarter, down 3.8 percent on the year before, according to data from Thomson Reuters and Freeman Consulting, as the euro zone debt crisis unsettled markets.
Europe has been particularly hard hit by the slowdown in deals, with investment banking fees in the region so far in 2012 falling to levels not seen in 10 years.
"We all will need to be accustomed to the new normal," said Jake Donavan, head of corporate and client coverage for Europe, Middle East and Africa at JPMorgan. "This is not just a question of waiting for the economic boom times to return. We're in a potentially protracted period of more subdued growth.
"We're having a fantastic year in terms of investment grade debt and high yield (debt). M&A (mergers and acquisitions) is more sluggish and equity is relatively quiet, although we are seeing some green shoots."
Others also saw grounds for optimism as corporates are sitting on plenty of cash.
"We're seeing a number of corporates considering moves," said Giuseppe Monarchi, co-head of the EMEA Mergers and Acquisitions Group at Credit Suisse.
"The execution risk remains relatively high in many cases, but perhaps also because of continued low interest rates and fairly healthy debt markets, I think there is a window where things can actually happen."
JPMorgan retained its top spot in the global investment banking fee league table, earning $3.6 billion so far this year. Bank of America Merrill Lynch was in second place, bringing in $3 billion, followed by Goldman Sachs in third on $2.7 billion, the data showed.
Globally, the drop in fees has been driven by a fall in share sale activity, with income from equity capital markets deals tumbling 31 percent to $9.6 billion so far this year, the slowest period since 2003.
Equity generally offers a more risky investment than debt securities - which offer better protection in case of bankruptcy - so subdued volumes in equity capital markets are a sign that investors are still cautious.
The third quarter has shown more promise and bankers said an uptick in IPO activity in the last few weeks, helped by a rally in stock markets, could signal a rebound in capital raisings in the final three months of the year.
"There is still a challenging market environment even though there is a lot more going on," said Adam Welham, head of European equities syndicate at Barclays.
"Although there is a lot more confidence around Europe, attention may quickly focus on growth, and what is happening in China. These are potentially big worries and they may have a big effect."
Debt financing is the only area which has seen an increase in fees this year, up 14 percent on the first nine months of 2011, the data showed.
Yet M&A deals made up the biggest chunk of fees, raising $5.3 billion or 34 percent of the total.
The planned merger of commodities trader Glencore and mining group Xstrata, the year's biggest pending deal in terms of total fees, could provide a further boost, with banks expecting to collect a total of $114 million for their advice if the deal is completed.


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I always thumb through military vehicle and car mags whenever I'm at the periodicals section of the book store or library. This practice is to find the rare article and/or gallery of scale models featured within the non-scale modeling publication.
I'll continue to contribute to this thread as I find more and I hope others here on the Kitmaker Network, from anywhere in the world you are, will do the same.
And even if you find yourself as the feature in said printed article and create your own exclusive thread describing that article, please link a word about it in here as well to give us (me) a heads-up about it


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Glee star Harry Shum, Jr. is engaged.
The actor/dancer, who plays Mike Chang, Jr. on the hit TV musical series, asked actress girlfriend Shelby Rabara to marry him in October (13) while on vacation in Hawaii.
Rabara has also appeared on Glee - she portrayed Shoshandra in 2009 and 2010.


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ZURICH (Reuters) - Novartis clinched European approval for the first vaccine against meningitis B, and will seek to sell the drug as soon as possible.
"Novartis is working with health authorities to provide access to Bexsero as soon as possible," the Swiss drugmaker said in a statement on Tuesday.
There is currently no approved vaccine offering broad protection against "MenB," this particular type of meningitis.


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Free Intense Background Music – Rise To Death
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Use this track in your videos, events and functions or any project you have in mind. Intense background music free courtesy of JewelBeat Royalty Free Music Library.
Need a whole lot more of Intense Background Music or Epic Background Music? Visit our main library offering thousands of royalty free background music tracks at $2.99 with a license to your name.
JewelBeat also offers more free background music and sound effects.


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Effective sales review meetings
June 13, 2011 Leave a comment Go to comments
All sales managers hold fortnightly or monthly or quarterly sales review meetings. How managers use these meetings talks a lot about their leadership skills.
Does your team look forward to these review meetings or dread them? Do they think it adds value to them or is it looked as a necessary evil?
I think sales managers can use these review meetings to do the following:
- Identify any good wins and celebrate them.
- Facilitate learning from deals won/lost.
- Gauge the motivation level in the team and pep the team up.
- Discuss the sales numbers (target v/s actual), current pipeline health check.
- Identify the folks who need help in achieving their numbers. Sit down with them post the review meeting to understand the situation and guide them (one-on-one).
All this is possible if the sales manager collects all the information prior to the meeting, spend some time going over the same and come prepared for the review meeting.
This is a big shift from the current method of conducting sales review meetings but will ensure that the sales manager not just manages the sales team but leads them and become a training ground for future sales managers.
Categories: sales meetings, sales review meetings
April 8, 2013 at 12:25 pm
April 16, 2013 at 2:30 am
December 16, 2013 at 10:07 pm


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Comic Book Informer
About This Show
Show Info:
Comic Book Informer is a weekly podcast devoted to comic books. We cover news, reviews, previews and weekly releases. Previously known as Bow Down To Us: The Comics Edition, the podcast changed names as of episode 21, though the hosts and format remain the same.Read more »


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The manner of our character changes when one is in hot water. Will the choices that we make change when we are under a pressing deadline? Do you become rattled or shaken and come up with excuses for the choices you've made, or do you become stronger and grow, cultivating a life grown through hot water situations. Much like yeast, one of the most complex organisms that I have ever worked with (besides kids…), when put into tepid water yeast makes the most of the situation. Rising to the occasion, using the right tools at its disposal, to get to the bigger and better things in life.
This past week I gave up an opportunity to live in a place that I could only dream was possible. In life, if the water is either too cold or the tools provided are just not right it is impossible to grow. In order to be the best versions of ourselves we must seek out the hot water opportunities for they are the situations that allow us to become the true versions of our better self.
Facaccia from Novi Ligure
For the Focaccia-
4 Cups (500g) all-purpose flour
1 Tblsp (12 g) fresh yeast, crumbled
1 C, 1 tblsp, 2 tsp (275 ml) lukewarm water
1 ½ tsp. (5g) malt or ¾ tsp (5g) honey
1 Tblsp, 2 tsp (20 mg) softened lard or vegetable shortening
1 tblsp, 2 tsp (25 ml) extra-virgin olive oil
1 ½ tsp (10g) salt
For the Genoese Brine-
½ C (100 ml) water
3 Tblsp, 2 tsp (50 ml) extra-virgin olive oil
2 tsp (14g) coarse salt
To make the Facaccia: Put the flour onto a clean work surface and make a well in the center. Dissolve the yeast in the water. Pour the yeast into the flour a little at a time. Stir in the lard, oil and lastly, add the salt. Knead the dough until soft, smooth, and elastic.
Cover the dough with a sheet of lightly oiled plastic wrap and let the dough rise in a warm place for about 1 hour.
To make the brine: Combine the water, olive oil, and coarse salt in a bowl. Stir to make an emulsion and then let rest.
Transfer the dough to a baking pan greased with oil, stretching it gently with your fingertips until ½ inch (1cm) thick. Prod the surface of the dough with your finger, forming small dimples where the seasoning will collect. Sprinkle the focaccia with the Genose Brine and let it rise until doubled in volume, about 30 minutes.
Bake in oven at 450 degrees F for 20 minutes or until golden brown. Brush the surface of the freshly baked focaccia with olive oil.


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Very warm conditions with high dew points were the dominant feature during the month of July. The high heat indexes (reaching a peak of 125 F) made for very uncomfortable conditions across the whole state, focused mainly on the east, leading to cattle deaths and some potential crop issues. Precipitation was quite heavy in locations of the northeast, east central and central parts of the state. Quite dry conditions were not far away in many of these cases as the southeast experienced quite dry conditions along with areas around the Black Hills.
Average temperatures ranged from the low 70's Fahrenheit in northwestern South Dakota and the Black Hills to the low 80's in south central South Dakota. The highest average temperatures were recorded at Pickstown (81°F), Mitchell (80.8°F), and Vermillion 2SE (80.1°F). The highest temperature seen in the state, 106°F at Cottonwood 2E, was recorded on July 20th. The lowest average temperatures were recorded at Lead (69.5°F) and Pactola Dam (66.8°F). The lowest recorded temperature was 44°F seen on July 28th at the Sioux Falls Weather Forecast Office.
For the first time this year, average temperatures across the state of South Dakota were all above normal. Many sites in eastern South Dakota experienced a departure from normal temperature greater than 5°F. The greatest departure from normal temperature was 7.4°F recorded at Hill City. Other departures from normal temperature across the state can be seen in the following image
Webster in northeast South Dakota will be the hottest on record for July more due to the low temperatures than the high temperatures. More than 20 other stations had top 15-20 record temperatures. About 10 stations were in the top 10 warmest, mostly in the southeast part of the state.
During the month of July, precipitation across the state varied greatly with areas extreme northeastern and eastern South Dakota receiving more than 8 inches of precipitation while most of the rest of the state saw precipitation values less than 3 inches. A number of sites, including Timber Lake, McIntosh, Pierre, Highmore, Oelrichs, Eagle Butte, Takini, Caputa, and Gettysburg received less than an inch of precipitation. An automated station at Britton recorded the most precipitation with 10.1 inches. Other sites in northeastern South Dakota recording more than 8 inches of precipitation include Columbia 1W, Victor 4NNE, and Roy Lake. These were all top 10 wettest July's. Murdo set a record for the wettest July at 7.26".
A few locations came in top 20 driest. The Rapid City Airport was the 6th driest on record at 0.66".
July conditions produced some contrasting influences across the state. The above average temperatures pushed along crop development, which was behind average from the cool-wet spring and early summer. Usually above average temperatures are not welcomed for corn particularly during July (when tasseling occurs). The additional development will help catch up some crop development. But the additional heat may have been taking some toll on yields. The additional heat may have reduced yield in some cases. The moist conditions (high dew points) likely helped reduce some stress.
Areas of southeast South Dakota have started reporting some dryness impacts. While the northeast part of the state remained wet, as well as the area around Sioux Falls, locations just south received less than 2" of precipitation during the month. This led to some reports of firing of corn:
The excessive heat seen across the state of South Dakota for parts of July resulted in a number of cattle deaths across the state. As of July 22nd, the state veterinarian reported that about 1,700 head of cattle had died due to excessive heat and humidity. One individual rancher indicated a $900,000 loss on cattle.
As the month of July progressed, the high water levels on the Missouri River continued to cause problems. With the high water freeing many logs and other debris, much of the river remained closed to boating and the power plant at Gavins Point Dam was unable to run at full capacity. The community of Chamberlain continued to fight record river levels as the dike protecting the city became damaged by the high water and waves. In the community of Dakota Dunes, work continued along the levee as residents were told that they should expect to be out of their homes until fall.
Flooding continued to be an issue in many other parts of the state. Residents near Waubay, SD, did not find any relief from flooding as the area received above average precipitation again this month. Some residents began to enroll in a FEMA program that provided funds to move buildings out of the flood plain. Near the community of Roscoe, SD, flooding continued to be a problem as water had nowhere to go. A stretch of U.S. Highway 12 east of Roscoe was once again closed as water washed away parts of the built up road. A one-mile section of SD Highway 48 near the South Dakota/Iowa border was closed due to flooding from the Big Sioux River.


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Bear Grylls Action Case
Mwave, www.mwave.com.au
Access to buttons/ports; durable feel; protection; grip
Added weight
$49.95 inc shipping. (Normally $59.95 + shipping)
The Bear Grylls name is synonymous with exploration. The TV personality's adventure program is captivating viewing, tasking Grylls to survive the world's harshest environments. So, it makes sense that a line of iPhone protection cases would be branded with the Bear Grylls name.
The Bear Grylls Action Case is a securely fitting silicone cover for iPhone 5/5s devices. The exterior of the case features extra protection on each of the corners, a ribbed grip along each side and an extended lip around the front of the case to elevate the iPhone's screen away from surfaces when it is face down.
In testing, the rugged exterior made the iPhone comfortable to hold, while also increasing our grip. Smooth cases can slip out of a hand when wearing gloves; we didn't have this problem with Grylls' case.
While the case fits tightly around your smartphone, the Action Case offers no protection against water. The case leaves the front of the iPhone exposed, along with the camera lens and flash, the headphone, speakers and Lightning port, and the ring/silent switch.
The power button and volume buttons are covered with elongated overlays that are easy to locate even when you aren't looking at your phone. All three buttons function as normal with the case attached.
We weren't willing to drop test our iPhone in the Bear Grylls case from heights over a metre, but dropping the case from our desk onto a number of surfaces saw no damage. We wouldn't claim the case makes the iPhone invincible, but for everyday commuting, exploration or sporting use, this case should be suitable.
One thing that may annoy users is the weight. It isn't significant, but at a 100g, it is noticeable.
Bottom line.
The Bear Grylls Action Case is a good option for iPhone users who are after added grip and protection, but still desire access to their iPhone buttons and ports. While it adds a little weight and bulk, the case is a good companion on a trip into the wild.
The Bear Grylls Action Case is currently on sale for Macworld Australia readers. Click here for more details.


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Always ahead of the fashion curve, Tonya Borisov's Edin boutique is a bit of heaven, for sure. Home to cutting-edge brands, great vintage pieces, must-have accessories and comfortable favorites for men and women, Borisov has found herself right at home in her digs on Dunlavy. Expect to find hip Montrose funkiness: clothing by Juicy Couture, Free People, French Concept, Sin of London and Miss Sixty, plus jewelry, handbags and shoes.
Location: 2605 Dunlavy.
More info: Call 713-861-6992.


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The cdg file extension is related to the CanoDraw and used for its graph files.
There are 2 other file types using
the CDG file extension!
.cdg - Compact Disc Plus picture image file
.cdg - DART Karaoke Studio lyrics
Software that works with cdg file extension
CDG file - CanoDraw graph file
What is cdg file? How to open cdg files?
File type specification:
The cdg file extension is also used by CanoDraw, an older statistical package for Windows that was developed around the year 2003.
A cdg file used in CanoDraw contains saved graph.
The default software associated to cdg file type:
Company or developer:
Petr Smilauer
CanoDraw is data analytical software for Microsoft Windows. CanoDraw supports thoroughly all the visual aspects of multivariate data analysis with linear and unimodal ordination methods.
List of software applications associated to the .cdg file extension
Recommended software programs are sorted by OS platform (Windows, macOS, Linux, iOS, Android etc.)
and possible program actions that can be done with the file: like open cdg file, edit cdg file, convert cdg file, view cdg file, play cdg file etc. (if exist software for corresponding action in File-Extensions.org's database).
Click on the tab below to simply browse between the application actions, to quickly get a list of recommended software, which is ableto perform the specified software action, such as opening, editing or converting cdg files.
- Open cdg file
- Edit cdg file
- Create cdg file
Software that open cdg file - CanoDraw graph file
Programs supporting the exension cdg on the main platforms Windows, Mac, Linux or mobile. Click on the link to get more information about CanoDraw for open cdg file action.


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Fourth Edition of the Field Training and Research Program at Meteor Crater
Meteor Crater was proud to host the fourth edition of the Field Training and Research Program at Meteor Crater this past September. This year's class included fourteen doctoral students and one master's student from U.S., Canada, Sweden and The Netherlands Universities. It was truly a global collaboration!
Dr. David Kring, Senior Staff Scientist for the Lunar Exploration Initiative said "The first three days of the program involved intensive training, primarily along the crater rim. The students were then asked to make a day-long series of measurements of the ejecta blanket to further develop an intuitive feel for the physical and temporal scale of impact cratering processes." The last four days of the program involved mapping the impact ejecta on the southeast and east sides of the crater.
Meteor Crater RV Park was pleased to host all participants in this year's Field Training and Research Program. Staying at the RV Park allowed participants to analyze the data collected from each day and made the program very productive compared to years past.
We look forward to meeting the students and participants next year when we host the fifth edition of the Field Training and Research Program. To learn more about the program please visit The Center for Lunar Science and Exploration website: http://www.lpi.usra.edu/exploration/mcFieldCamp/?view=program.


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May 19, 2017
M1 Manager is a new cross-platform game that just arrived on Android, courtesy of Anshar Studios S.A.
This one is a fighting/management sim, allowing the player to take an aspiring pugilist all the way to the top.
Per Google Play:
M1 Manager is a brand-new free-to-play multiplayer management game, created especially for mobile platforms. Become the manager of a rising fighter and help them reach the very top! With M1 Manager, players choose the way their fighters train, who they fight, and what style is their hallmark. Compete with your friends and other player for the place on the official M1 Global rank list, or fight in underground fight and high-stakes duels to gain money, rank and recognition!
As noted, the game is free to play.
Check out the trailer:


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Premier City Life Ladder Yarn - Red Hot
Red Hot - 1.75 oz/140 yds - Medium Weight #4 - 38% Polyester, 26% Polyamide, 20% Acrylic, 11% Wool, 5% Metallic - View Complete Details
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Premier City Life Ladder Yarn - Red Hot - PREMIER YARNS-City Life. City Life is a glitzy ladder yarn that is perfect for adding a touch of texture and glitz to any project. Work this delicate fantasy yarn on its own, use it as a trim, or make stunning accessory and jewelry pieces. Weight category: 4. Content: 64% polyamide, 23% acrylic, 13% glitter. Put-up: 1.75oz/50g, 158yd/145m. Knit gauge: 20st x 26r = 4in/10cm on US-8/4mm needles. Crochet gauge: 15sc x 19r = 4in/10cm on US-8/H/5mm hook. Care: hand wash, lay flat to dry, do not bleach, do not iron. Dyelotted--we try but cannot guarantee matching dyelots. Imported.Still have a question? Click to ask a Question


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Board of Directors
"Our Board governs through clearly mandated Board Committees, accompanied by monitoring and reporting systems"
The Board of Directors is responsible to the shareholders for the performance and direction of Zambeef, through the establishment of strategic objectives and key policies, as well as approving major business decisions and capital expenditure. The Board currently consists of two Executive Directors and eight independent non-executive directors.
The Board of Directors is responsible for:
- Determining strategy;
- Monitoring the Group Code of Ethics and Conduct, and the Anti Bribery and Corruption programme;
- Agreeing risk appetite and overseeing management of risk;
- Monitoring business and management performance; and
- Communicating with shareholders and representing shareholder interests.
Our Board governs through clearly mandated Board Committees, accompanied by monitoring and reporting systems. Each committee operates within defined terms of reference and authority granted to it by the Board. Our Board meets at least four times during each financial year and under the following core governance structures and principles:
- The roles of the Chairman and the Chief Executive Officer are separate, with responsibilities divided between them. The Chairman is considered to be independent;
- The Board believes that its overall composition is appropriate, with no individual or group dominating the decision making process.
- All Directors have had access to management, including the Company Secretary, and to such information as was needed to carry out their duties and responsibilities fully and effectively;
- Our Directors have stayed fully abreast of the Group's business through meetings with senior management;
- Presentations are made to the Board by senior management on the activities and operations of the Group, and Executive Directors undertake regular visits to operations;
- All Directors are entitled to seek independent professional advice concerning the affairs of the Group at its expense;
- One third of the Non-Executive Directors are subject to the "retirement by rotation" provisions contained in the Companies Act of Zambia.
Below are the current directors of Zambeef and their respective biographies:
Dr. Jacob Mwanza (age 81)
Non-executive Chairman
Nationality: Zambian
Francis Grogan (age 56)
Chief Executive Officer
Nationality: Irish
Yusuf Koya (age 52)
Executive Director
Nationality: British
Dr. Lawrence Sikutwa (age 63)
Non-executive Director
Nationality: Zambian
John Rabb (age 74)
Non-executive Director
Nationality: South African
David Osborne (age 53)
Non-executive Director
Nationality: British
Yollard Kachinda (age 54)
Non-executive Director
Nationality: Zambian
Margaret Kunda Chalwe-Mudenda (age 45)
Non-executive Director
Nationality: Zambian
Prof. Enala Lyson Tembo-Mwase (age 58)
Non-executive Director
Nationality: Zambian
Jonathan Andrew Kirby (age 55)
Non-executive Director
Nationality: South African
Frank Nicolas Julia Braeken (age 58)
Non-executive Director
Nationality: Belgian


text: Hello I would like to create a website with News exactly like GBAtemp. I allready installed invision powerboard but I can't find the "iBF Portal v3.2 © 2002 by Bouke & Updated by Windrider" Which is the portal where you add screenshot from new game. Can you help me please ?


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3. Closed office door means no entry. No knocking. No high pitch squeals or wrestling matches right outside the office door. Of course, there will be exceptions, but constant interruptions should not be tolerated. If you have a noisy pet, move them to another room or outside during important calls. If your neighbor has a noisy pet you may have to move (or threaten a call to animal control).
4. Dont become the go to person for all errands. There is a certain convenience of availability that working from home offers, but dont fall into the trap of always being 100% available for every sick child, doctor appointment, home repair guy, etc. It is okay to say no because you have to keep consistency through your day - - and errands are meant to be shared, regardless of where you work.
5. Get out of the house! If you have no physical office that you can go to every once in a while, I strongly recommend finding a work spot away from home. About once a week, I go to my local Panera Bread that has free Wi-Fi. It breaks up my week and provides me and my family some needed space. And it is okay to do lunch even if it is just a quick ride for fast food. You need to find time to clear your head, and a change of scenery can spur creative thinking.
6. Hone your time management skills. Beyond keeping to a schedule, be careful not to get distracted by things you should not be thinking about during the work day. If your home phone rings, let the answering machine get it. If the faucet is dripping, let it drip. You wouldnt fix a leaky faucet at the office would you?
7. Dont hog the house resources. If you share space with family or a roommate, dont expect them to share a computer, phone line, etc. while you are working. Your company should provide you with a work computer, a dedicated phone line or just use your cell phone. The flip side is to make sure your kids (or roommates) know that your work computer is off limits. Lord only knows what your kids will download probably not much worse than what your roommate might download.
8. Most important: Dont be afraid to enjoy the perks of working from home. Turn up the music, take a break to play with your kids, take the dog for a long walk after lunch, or spend some extra quality time with your spouse. And Ill admit every now and then I work in my pajamas. As for my interrupted demo, I smiled at my daughter and then soldiered on, having learned to concentrate on the task at hand. Plenty of time to play with the cute munchkin later, but at that moment it was daddys responsibility to work not play.
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There may be some snow on the ground this week, but Colorado State University climatologists are saying that 98 percent of Colorado is facing drought conditions and warning that if the state does not receive more moisture soon, water restrictions may be necessary later in the year, The Denver Post first reported.
Greg Baker, Aurora Water spokesman, told The Denver Post that an arid, wildfire-heavy March and low snowpack in the mountains (statewide, snowpack is 49 percent of average) have state water managers concerned. The U.S. Drought Monitor reports that 97.75 percent of the state is in drought conditions, up from only 59.01 percent at this same time in 2011.
The Drought Monitor website has a revealing map of just how deeply affected Colorado is by drought -- view the map for Colorado here.
According to the Associated Press, the most severely drought affected region in the state is the Arkansas Basin which is reporting extreme drought conditions due to last summer's Texas drought which affected much of the West and Midwest. The U.S. Drought Monitor reports that Arkansas Basin areas of Colorado fall into "extreme," "severe," and in some cases "moderate" drought intensity.
Toward the North of the state, Fort Collins experienced the driest March in history. The Coloradoan reports that in the 144 years of record keeping by CSU, this was the only March that the city saw no measurable precipitation.
The severe dryness has many comparing 2012 to 2002, Colorado's last major drought year. But despite the dry conditions, many state reservoirs are in good shape with plenty of water supply and that was not the case in 2002, Mage Skordahl with the Colorado Snow Survey Program told 9News. However, the concern is that a very dry 2012 will lead to a draining of the reservoirs this year leaving very little water supply for 2013.
In summer of 2011, when drought conditions were not as pronounced as they are this year, Gov. John Hickenlooper declared a drought emergency for much of the southeast of the state, 25 counties in total, which made some of Colorado's farmers eligible for low-interest emergency loans.


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Thanks to all our supporters, ArtsATL is more than halfway to matching the Possible Futures foundation's $20,000 challenge grant. We must, however, raise the rest by December 31. As the only publication devoted solely to coverage of the broad spectrum of the arts in metro Atlanta, we believe we play an important role in supporting the organizations that are important to you and the health of the Atlanta artistic community, and we hope you feel the same way. It's easy. Please click here to use PayPal, which also takes credit cards, or send checks to ArtsATL, 61 Palisades Road, Atlanta, GA 30309.
Ad revenue covers less than half of our budget, which goes largely to paying writers and other staff members. Our ability to continue to serve you and the community depends on your response to this fund-raising campaign. If you care about the arts and the cultural life of our city, we hope you'll consider making a donation. We would most appreciate your support, in any amount. ArtsATL.com is a tax-exempt 501(c)(3) non-profit organization.
Questions? Contact me at email@example.com


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Source: NAIC
Posted on 06 Apr 2010
In today's challenging economic environment and with questions about the implications of the newly passed health care bill, it's never been more important for consumers to understand their insurance options. Yet, according to a new survey by the National Association of Insurance Commissioners (NAIC), only 45 percent of Americans feel confident making insurance decisions and more than 60 percent failed to correctly answer basic questions about insurance coverage, including:
* Does auto insurance cover personal property stolen from your car?
* At what age do most people become eligible for Medicare?
* Can credit scores affect your auto insurance premium?
The answers—no, 65 years of age and yes—eluded the majority of the 1,000 American adults who took the survey, which was comprised of two sections—one section gauging broader consumer perceptions on insurance and a second 10-question IQ component that tested specific knowledge. In fact, most respondents only answered four out of 10 questions correctly on the IQ component. That's an average score of only 40 percent—a failing grade by most U.S. educational grading standards.
Also troubling is the fact that 86 percent of respondents said they do not understand all of the terms being used in the current discussion on health care reform.
"Consumers today are being forced to make difficult decisions about their insurance coverage—decisions that could have a very profound impact on their financial future," said NAIC Chief Executive Officer Therese M. (Terri) Vaughan. "At the same time, they are being overwhelmed with new and sometimes conflicting information about changes to our nation's health care policies. By doing their homework and brushing up on the facts, they can improve their Insurance IQ, which will ultimately enable them to make the best decisions for themselves and their families."
Other key findings related to knowledge of health care and insurance coverage include:
* More than half (55 percent) of all Americans do not understand what a pre-existing condition is, which is critical when selecting health care coverage. A pre-existing condition is any health problem that existed before someone applies for a health insurance policy or enrolled in a new health plan.
* Forty percent do not know the age (65 years of age) at which most people become eligible for Medicare.
* More than half of Americans (53 percent) think that they can only make changes to their group health insurance coverage during the open enrollment period provided by their employer, and 16 percent admit they have no idea when changes can be made. In actuality, certain exceptions apply for new employees or employees with life-changing events such as pregnancies or marriage.
The NAIC survey also found that some of the basics of auto insurance are not well understood, even though it is one of most commonly purchased types of coverage by people of all ages and demographics. The survey found that:
* More than six in 10 Americans (63 percent) do not understand that if property gets stolen from their car, it is covered by their homeowners/renters policy—and not auto insurance.
* More than half (54 percent) do not realize that, depending on the state in which you live, your credit history may be one of the factors considered by insurance companies when determining your premium. Other factors that can affect your auto insurance coverage include: driving record, type of vehicle and the deductibles you choose.
* Eighty-six percent of Americans do not know that when their liability coverage is 100/300/100, the last figure represents the maximum amount that their insurance company will pay in property damage for an accident.
About the Survey
The NAIC conducted the Insurance IQ study March 2-12, 2010, to highlight consumer concerns and questions; uncover misinformation and insurance myths; and underscore the financial and emotional impact of poor decisions. The Insurance Intelligence Quotient was based on a 10-question quiz on different types of insurance. Participants were given a grade based on the number of questions answered correctly. The participant sample included a nationally representative sample of 1,000 American adults ages 18 and older with a margin of error +/- 3.1 percent in 95 out of 100 cases.
© Copyright 1999-2013 ProgramBusiness.com


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Rebecca Singer, RN, Nursing Doctorate
- Clinical Instructor
Rebecca Singer is a doctorally-trained nurse with over a decade of experience in global health in both humanitarian response and development. She has worked since 2005 with Doctors without Borders in Chad, Democratic Republic of Congo, Liberia, Papua New Guinea, Tanzania, Uganda, and Zimbabwe. Most of her work focused on the provision of care to survivors of violence, particularly sexual and family violence. In addition to providing care to patients, Rebecca has been active in developing advocacy reports that have led to changes in policy and practice in several countries, as well as in building capacity among health workers, social workers, law enforcement and government officials. Rebecca has also provided primary health care and emergency response services, including mass vaccination and epidemic response. Rebecca was also the Senior Program Officer at Grounds for Health where she implemented community-based cervical cancer prevention programming in coffee growing regions of Nicaragua, Peru and Tanzania and led the organization's research and publications efforts. She also served as the Executive Director of Coffee Kids, an organization devoted to improving the lives and livelihoods of coffee farmers.
Rebecca is clinical faculty for the Community Health Nursing course.