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Where should I park? Our property has two parking lots, lower and upper. Please feel free to park in either. There is an entrance at the lower parking lot, allowing you to drop your baby (up to 2years old) at our nursery, which is right inside this entrance. If your children are older, please bring them with you upstairs to the service. You will find out more about that in a later paragraph.
What should you wear? 1st Service, which is our "Traditional" service, typically dresses business casual to casual.
2nd Service, which is our "Contemporary" service is usually the same; business casual to casual.
What to Expect the first time: When you enter through our upper doors at Marysville Free Methodist Church for the first time, you will be greeted and given a "Welcome" bag. Inside the bag will be some literature about our church, as well as a special treat for you to enjoy. Also, feel free to step up and get yourself a cup of coffee or tea, and treat yourself to a cookie. Have no fear, you will not have to stand during any of our services showing that you are visiting for the first time.
1st Service is our "Traditional" service, and starts at 8:45am. During this service you will be blessed with hymns, scripture reading and a message delivered by Pastor Vic Rodriguez, Senior Pastor or one our preaching team. At this time we do not provide a program for the children or have nursery care available.
2nd Service is our "Contemporary" service, and starts at 10:30am. During this service you will enjoy contemporary worship songs (there is some hand raising), scripture reading and a message delivered by Pastor Vic Rodriguez, Senior Pastor or one our preaching team.
If you have children that are 0-2 years of age, you are welcome to bring them directly down to the nursery located on the lower floor of our facility. We provide trained nursery attendants, and you are given a pager incase the attendants need your help.
For children that are 3 years and older, please bring them into the service with you. They enjoy singing the worship songs with their parents. At about 10:45am the younger children (Preschool - 5th grade) are excused to follow the Ranger (the adult with the ranger hat) head downstairs to J(esus) R(angers) Camp. Youth, ages 6th - 12th grade, follow Pastor Harv over to The Big House (youth center) for their study time. After service, please go downstairs and you will be directed to the classroom you child is in, for pick-up.


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is pregnant
Langston Kerman was born and raised in the suburbs of Chicago, which left him totally bitter about his cushiony upbringing and lack of street-cred. He lost his baby teeth early, and his testicles dropped soon after; although, very few people noticed. He now resides in Boston where he is studying to receive an MFA in Poetry. Performing all over the cities of Boston, Chicago & New York. Langston Kerman's stand-up is molested with sarcasm. He aims to bring a critical eye to the everyday qualities of laughter; forcing his audience to find pleasure in their own discomforts and taboo thoughts. Kerman is eclectic and a little strange; his punchline heavy jokes almost seeming to criticize themselves as they develop in front of the audience. In his free time he enjoys racism, YouTube, racist YouTube comments, exotic fruit, and Internet dating commercials. There is only one word to describe Langston Kerman: Butterscotch… all Butterscotch.

subset: commoncrawl


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When I was younger I thought psychology (and the closely related field of social anthropology) were twaddle, hokum, balderdash and other words which sound funny. And yet over the past few years I've become a fan of the fields. In another couple of years I'll probably go back to "twaddle."
(Psychology explains this as the "End of History" illuson, the belief that our current evolution represents our full and ultimate configuration — a delusion shared by people on a psychological level and politicians and (I use this term advisedly) Thinkers on the geopolitical one.)
But, for the moment, I do find it interesting to not just consider what people say and what they do, but why they say and do these things.
Our media is arrogant despite being remarkably unaccomplished. The professional left considers itself to be the fullest flower of humanity, despite having among them sophists, political pornographers, and outright terrorists.
Why? How can they not only think well of themselves, but think of themselves as so enlightened as to qualify as Buddhas on Earth?
A military psychiatrist, who used to screen draft-evaders on their various claims about being unfit to serve (feigned psychological disorders, feigned homosexuality), explains the vanity of the verbally-oriented classes.
He quotes Robert Nozick's 1998 article on intellectuals' loathing for capitalism — risk-taking and self-making:
…to the intellectually meritorious went the praise, the teacher's
smiles, and the highest grades. In the currency the schools had to
offer, the smartest constituted the upper class. Though not part of the
official curricula, in the schools the intellectuals learned the lessons
of their own greater value in comparison with the others, and of how
this greater value entitled them to greater rewards. The wider market
society, however, teaches a different lesson. The greatest rewards do
not automatically go to the verbally brightest. Verbal skills are not
most highly valued… Schooled in the lesson that they were most
valuable, the most deserving of reward, the most entitled to reward, how
could the intellectuals, by and large, fail to resent the capitalist
society which deprived them of the just deserts to which their
superiority "entitled" them? Is it surprising that what the schooled
intellectuals felt for capitalist society was a deep and sullen animus
that, although clothed with various publicly appropriate reasons,
continued even when those particular reasons were shown to be
inadequate?…The intellectual wants the whole society to be a school
writ large, to be like the environment where he did so well and was so
well appreciated.
One can extrapolate from this a strong, strong preference for an classroom-like method of advancement whereby flattering and impressing one's teacher or professor (and then one's editor or publisher) is the key to success. "Success" is conferred upon one by a superior, who, due to his position (and therefore his assumed talents), is qualified to confer such meritocratic badges.
But a capitalist has no actual boss — there's no one in the Office of Conferring Badges of Merit upon him. The capitalist's success isn't conferred; it's taken. (Actually, of course, his success is conferred by a great many people choosing to give him business, but inchoate masses of people aren't Wise Men in Black Robes as in the academic hierarchy.)
This is all too rough and crude for the Nice Schoolboy, who just doesn't understand how someone can succeed without Pleasing Teacher, and strongly suspects that the crude capitalist's success must, ergo, come from unfairness and victimizing someone (much as bigger, more daring boys' social status came from victimizing more timid boys on the playground). True advancement can only come via a consensus of one's merit-based superiors in the hierarchy. The capitalist may get rich, but not through merit.
He's cheating. He must be. Why, he's nothing but a exploitative exploiter who exploits (and also, lies for advantage — one wonders if Matthew Yglesias thought every businessman who ever lived was just lying about the initiative-squelching tentacles of bureaucracy before his own unhappy experience with the stifling system.)
I've just quoted a tiny little bit of it, but if you're interested at all in psychological profiles and the dynamics of groupthink, you should Read the Whole Thing. I also spun off additional thoughts at my regular blog.


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This Friday through Sunday, thousands and thousands of scouts and their families will eat, sleep, and play in Forest Park.
They do this every ten years and this year is the 100th anniversary of scouting. Read more about the event here: scoutquest100.org/
Scout leaders I talked to at the park say that this morning's discovery of a woman, tied up in a creek, is not putting a damper on ScoutQuest 100 event plans.
One leader I talked to says that he feels the kids and the families are perfectly safe - adding that police patrol the park and adult chaperones are watching over the scouts.
A scout leader and his family found the woman as they started to set up for the event - around 7:20 this morning. A spokesperson for the scouts said that the group was shaken up - but that they did the right things by getting the woman help quickly.
St. Louis Police are still investigating what happened to the woman. She was hospitalized today and has since been released. Early on, police say she told them that an unidentified man assaulted her at another location, tied her up, and then dumped her in the park. This evening, police say that some circumstances in the woman's story have changed and authorities are looking into whether she knows the suspect.


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Europe's leading brokers
Search for a caravan, then contact our local broker who will
• Arrange a viewing for you
• Submit an offer for you
• Manage negotiations and agree the sale
• Handle the payment and administration
Easy, Secure, Friendly.
|Price: £15,999.00
|Your broker for this vehicle:
|Year: 2015
|Name: Catherine Bunn - Chris Fisher
|Berths: 6
|Phone: 01463 566980
|Length: 8.88m
|Width: 2.5m
|Email: firstname.lastname@example.com
|Height: 2.57m
|Reference: 5703
Price Per Month*
To get a finance proposal for this vehicle
|At: IV2
Brokers Comment:
Knaus Sport 700 6 berth twin axle caravan. Layout is a large fixed double bed in the centre of the caravan with twin bunk beds at the rear. The front lounge also converts into an additional double bed. The kitchen has a 3 ring gas hob, fridge with freezer compartment which operates on gas or electric and a sink. Hot water is via electric, heating is via gas and electric. Water is fed from an on-board fresh water tank. The washroom has electronic flush cassette toilet and sink. Additional features are a vanity unit and stool located opposite the main bed, ample storage space throughout the interior of the caravan in addition to external locker space, 230v power points and an external power point. The sale includes a Dorema full awning with steel pole upgrade and footprint. The Knaus 5 year leak tightness guarantee is valid until May 2020. Habitation service carried out in November 2016. Approx vehicle dimensions are Length 8.88m, Width 2.5m, Height 2.57m. Unladen weight 1570Kg, MTPLM 1900kg. For a link to over 200 photos giving a virtual tour of this caravan, along with a YouTube video, please send me your EMAIL address and quote KNAUS 700 or text those same details to 07740627869. We welcome buyers from all over the UK and low-cost delivery is available. This caravan is located in INVERNESS, Scotland. Viewings are via appointment only.
Part exchange welcome.
Finance available subject to status.
Extended warranties available on most vehicles.
Spec includes:
My Monthly Budget:
UK Used Caravans for sale


text:
- Calories 333
- Fat 5g
- Satfat 2g
- Protein 3g
- Carbohydrate 72g
- Fiber 6g
- Cholesterol 1mg
- Sodium 175mg
Poached Pears
Savor the sweet flavor of this poached pear dessert. Drizzled in rich hot fudge and beautifully presented, this dish begs to be eaten.
How to Make It
Step 1
Mix water, sugar and lemon juice in a saucepan. Bring to a simmer over medium heat.
Step 2
Peel pears and put in hot liquid; simmer gently until pears are tender, about 25 minutes. Using a slotted spoon, transfer pears to a rack to cool. Cool cooking liquid separately.
Step 3
Serve 1/4 cup pear syrup with each pear. Top with fudge.


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Ho ho ho, ladies! The holidays are officially here and I couldn't be more ecstatic about it. And while I do live in the middle of the Sonoran desert, I'll have you know that despite the lack of snowflakes and ultra chilly temps, we desert dwellers still decorate appropriately. Only instead of decking the halls and pines and building snowmen, we deck the cacti and go all out with the twinklies and blow up santas.
Anyway, the holidays mean a few things. Number one: Lots of delicious grub (don't sweat the few LBs you'll put on this year, ladies, those sweet treats are worth it and you'll burn it all off in the spring, anyhow). Number two: family get-togethers and time off work (double cha-ching). And number three: presents. Glorious, glorious presents.
Whether you're giving this year and want some inspiration or you're looking for items to add to your own wish list, check out this roundup of holly jolly gift sets. And for you, my budget-conscious lovelies, they're all priced under an easy $50.
Beauty Gift Sets $50 and Under
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Accounting Program Requirements
Requirements for the accounting program include the completion of four different types of coursework: business school core courses, a globalization course, specific accounting and finance courses, and designated liberal arts courses.
B.S. in Accounting
For students majoring in accounting, all courses designated as accounting courses (ACCT) that may be applied to the major are included in the determination of the grade point average in the major.
Business School Core - 27 credits
- ACCT 101 - Principles of Accounting I
- ACCT 102 - Principles of Accounting II
- MGMT 203 - The Legal Environment of Business
- MGMT 211 - Managing Team and Organizational Behavior
- MKTG 221 - Marketing Principles
- FINA 315 - Introduction to Corporate Finance
- MGMT 357 - Information Technology Management
- MGMT 409 - Operations Management*
- MGMT 432 - Strategic Management*
Globalization Course - 3 credits
Choose ONE course from the following group.
- ECON 340C - International Economic Policy**
- FINA 413 - International Banking and Finance
- MGMT 312 - International Business Management
Accounting Courses - 25 credits
- ACCT 201 - Intermediate Accounting I
- ACCT 202 - Intermediate Accounting II*
- ACCT 301 - Cost Accounting
- ACCT 304 - Advanced Financial Accounting*
- ACCT 310 - Career Planning (1)
- ACCT 311 - Introduction to Federal Taxation*
- ACCT 360 - Introduction to Accounting Information Systems
- ACCT 401 - Auditing*
- ACCT 415 - Governmental and Nonprofit Accounting*
Finance Course - 3 credits
Choose ONE course from the following:
- FINA 316 - Intermediate Financial Management I
- FINA 336 - Investments I
Additional Electives - 3-6 credits
- One or two** additional accounting (ACCT), finance (FINA), human resources (HRMG), management (MGMT), or marketing (MKTG) elective at the 300 or 400 level, excluding MGMT 491, MKTG 491, HRMG 491, and FINA 495.
Liberal Arts and Sciences Courses - 60 credits
Some of the following courses may be used to fulfill College Core requirements.
- COMM 253 - Business Communication
- CSCI 150 - P4 Life in a Digital World
- ECON 105C - P3 Principles of Microeconomics
- ECON 106C - P3 Principles of Macroeconomics
- ECON 221 - SQ Statistics I
- MATH 111C - SQ Finite Mathematics for Social Sciences***
- MATH 112C - P4 Calculus for Social Sciences***
- REST 386D - Morality in Business****
- Additional liberal arts and sciences courses to total 60 credits
Total: 121-124 credits
*These courses must be taken at St. John Fisher College.
**If ECON 340C is taken to meet the globalization requirement, then two accounting, finance, human resources, management, or marketing electives must be taken.
***Students must take ONE of MATH 109C, 111C, or 119C –and– ONE of MATH 112C or 120C; the sequence of 120C/122C also meets the mathematics requirement.
****PHIL 273C may be substituted for REST 386D.
Note: Except as noted, a course used to satisfy the requirements under one of the subdivisions above may not also be used to satisfy the requirements under a different subdivision. Since 61 credits of business and 60 credits of liberal arts are required, the minimum number of credits to complete the program is 121; students who being their studies at St. John Fisher College as freshmen and complete ITDY 101 Freshman Seminar will complete the program with 122 credits.
Notes on the Accounting Requirements
- At least half of the accounting (ACCT) courses must be taken at the College.
- Students must pay careful attention to course prerequisites; not doing so could delay progress through the program.
- Accounting majors may not declare a minor in management.
- If accounting majors wish to minor in finance, not all of the courses used to meet the minor requirements may be embedded in the major. At least one course taken for the minor must be distinct from any course used to meet a major requirement in accounting.
Minor in Accounting
The minor requires 18 credits in accounting courses taken at the College or accepted in transfer as Fisher accounting courses.
- ACCT 101 - Principles of Accounting I
- ACCT 102 - Principles of Accounting II
- FOUR ACCT electives (200 level or above)
Total: 18 credits
Note: A grade point average of 2.00 is required for all courses taken in residence that may be applied to the minor. Accounting electives for the minor must be three-credit courses that begin with the prefix ACCT.
Note: The information here is provided for informational purposes only. For exact requirements as well as course descriptions, visit the Undergraduate Catalog.


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SmartStream Technologies provides enterprise-wide, real-time transaction lifecycle management (TLM) solutions to 1,000 clients including more than 75 of the world's top 100 banks.
SmartStream's solutions enable clients to tackle the barriers to straight through processing (STP) and create more efficient, customer focused, cost-effective and compliant operations.
A leading provider of cash management software
Founded in 2000, SmartStream has expanded and evolved from a dedicated focus on reconciliations to become a leading provider of software solutions that bring automation and control to the middle and back office.
SmartStream has grown rapidly through organic growth and acquisition and in late 2007 was acquired by DIFC Investments, the investment arm of the Dubai International Financial Centre (DIFC). Under the ownership of an experienced and strategically important financial services centre, SmartStream is accelerating its solution development, partnership and professional services plans.
Hosted information and trade processing services
This expansion strategy will continue as SmartStream looks to develop new markets and sectors that will benefit from greater automation and control. This includes being at the heart of the DIFC's plans to create a new generation of hosted information and trade processing services.
While SmartStream continues to invest in its reconciliations solutions, retaining the dominant market share of 38%, the company has continually expanded the TLM portfolio to include solutions for:
- Cash management
- Compliance management
- Corporate actions processing
- Exception management
- Reconciliations
- Trade finance
- Trade process management
- Treasury confirmations
- OTC derivatives processing
Our non-disruptive solutions leverage clients' existing infrastructure, protecting previous investments and integrating disparate silos to deliver enterprise wide solutions to business critical issues.
SmartStream solutions protect clients' investment by developing TLM products on common technologies and to industry standards. Our products provide a highly robust, scalable and flexible transaction processing platform for every type of financial institution and every instrument.
SmartStream is headquartered in the UK with direct operations in London, Beijing, Bristol, Dubai, Frankfurt, Luxembourg, Madrid, Milan, Mumbai, New York, Paris, Singapore, Sydney, Vienna and Zurich.
Contact SmartStream Technologies
Corporate Head Office:
St Helen's
1 Undershaft
Phone: +44 (0)20 7898 0600
Website: www.smartstream-stp.com


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A career with Barwon Water, one of the region's major and most innovative employers, offers many exciting opportunities.
Join the team at Barwon Water and look forward to contemporary challenges and flexible conditions.
With Geelong just an hour from Melbourne, everything is on your doorstep.
We offer careers in:
Barwon Water embraces diversity and is committed to equal opportunity and fairness.
For current career opportunities at Barwon Water, please refer to our advertised positions page.


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Over the past 30 years, the fee-based RIA space has grown by leaps and bounds, from zero to close to $2 trillion in cumulative assets under management. That number is still dwarfed by the $9.3 trillion that research firm Cerulli & Associates estimates is in the hands of full-service brokerages, insurers, trust companies and banks. But the figures look poised to eventually flip as RIAs work to address their top challenges: boosting their efficiency, customizing their technology and differentiating themselves from the competition.
"Banks see the threat coming" from RIAs, says Jeffrey Thomasson, founder of Oxford Financial Group in Carmel, Ind., the second-largest RIA in the country and one of the fastest growing. Thomasson predicts a seismic shift if RIAs manage to increasingly professionalize and build businesses that can survive the demise of their founders. "It's like a tsunami. It's about 100 miles off the coast, but it's coming."
Financial Planning's comprehensive listings of the nation's top RIAs provide a snapshot of a profession in the throes of a dramatic sea change. If the experts' projections pan out, RIAs as a group will bulk up to as much as four or five times their current size. Chip Roame, managing partner at financial industry consulting firm Tiburon Strategic Advisors, believes their cumulative AUM will grow 12% a year, with much of that growth likely being fueled by influxes from brokerages and banks, as well as acquisitions.
The top firm on FP's list is GenSpring Family Offices in Palm Beach Gardens, Fla., which grew to nearly $17 billion in assets under management today from just $500 million in 2001. About half of that explosive growth came through acquisitions of smaller firms like Cymric Family Office Services in Costa Mesa, Calif., which managed $645 million when it was taken over in 2008.
In-depth interviews with a half-dozen of the top firms, smaller but fast-growing competitors and industry experts, reveal that the biggest challenges they face in staffing and efficiency all coalesce around the need to grow. "What's driving the growth is an increasing sophistication of affluent investors," says Michael Stolper, founder of the No. 3 firm, Veritable, in Newtown Square, Pa. "They want to work with a firm that is constantly on the prowl for the best and brightest solutions in the marketplace, and not just the products of one firm."
Top Challenges
The top challenge large firms face is a difficulty in attracting, retaining and cultivating staff. Grooming them to become the next generation of owners of their companies is also a problem.
"We have a Help Wanted ad that's out all the time and yet we've had very little success hiring experienced people," says David Lees, the senior partner of MyCIO in Philadelphia. "We can find people with a sales background or an accounting background only, but it's hard to find a good investment person who can speak financial planning." At No. 9 on the FP list, the firm counts 41 former and current corporate CEOs, chairmen and presidents among its clients.
As with most employers, bad hires can come at a steep price. Scott Wood, a co-founder of True North Advisors in Dallas, says he's made the mistake of hiring a couple of former broker-dealer employees who transitioned poorly to the lower-key RIA culture. One left the firm and took $300 million in client assets with him. With a bit more than $1 billion in assets under management, Wood and his company aren't on FP's Top 50 list. But as with his larger brethren, he's discovered that painful lessons can be part and parcel of the growth process.
Thomasson also learned the hard way. He says that he and his team devised a program to cultivate talent only after 10 to 15 years of trying and failing to perfect their people formula.
Good people cost money, as do good technology and compliance. Many RIAs cite efficiency as their second-biggest challenge. Differentiation is cited next. All RIAs want to persuade prospects that they offer a unique service. Often they do this by creating their own vehicles, from hedge funds to limited partnerships - to give clients access to investments they can't get anywhere else.
"We are currently working on some limited partnerships that we believe will provide many of our clients with better access to managers, in a diversified way at a lower cost," says Craig Rawlins, president of investment advisory services business of the No. 5 firm, Harris myCFO, in Chicago. Harris myCFO is using these partnerships to meet the $5 million to $10 million minimum investment requirements of several commodities fund managers.
"Even if you were an investor with $100 million and you were investing $10 million in one asset or strategy, you would have trouble getting the diversity we think you should have," Rawlins says. "By pooling clients' money, they do get the right mix," in addition to lower overall fees.
Veritable, which also offers partnerships, further differentiates by generating highly customized internal analytics for clients. The sheer variety of unique strategies and investment vehicles would be almost unimaginable 30 years ago before the first RIA opened up shop.
Top of the Heap
One of the ironies for advisors in the industry is that while any good RIA will advise his or her clients to diversify, they often can't do the same for themselves. Too much of her net worth is trapped in the illiquid value of her company. Often it takes a giant like GenSpring, the No. 1 firm, to solve that dilemma. Not that GenSpring regards itself as particularly large, yet.
"We are still the midgets in the land of the wealth management giants," says GenSpring CEO Maria Elena Lagomasino, given that so much money remains with traditional institutions. Lagomasino oversaw $300 billion in client assets as CEO of JP Morgan Private Bank prior to joining GenSpring. "We are still such a new industry."
As with most of the companies on our list, GenSpring, as its full name indicates, is also a family office, an advisory formed to serve ultrahigh-net-worth families. FP's list of the country's largest family offices contains many of the same names as those on the main list. That's because 2,500 to 3,000 family offices, according to Cerulli, hold half of the roughly $2 trillion in the RIA space. Furthermore, family office assets under management are concentrated among the largest RIAs.
It's the rare RIA that can go from hanging out one shingle to building up to billions of dollars under management. But two of the largest firms on our list did just that: Oxford at No. 2 and Veritable at No. 3 were each started by a single entrepreneur.
Both forged a new space for objective advice at a time when the concept was novel. In that way, they and other RIAs like them paved the way for a new species of financial service. Founders Thomasson and Stolper still sit at the helms of those companies. It certainly helped that the birth of their businesses coincided with the outset of what would become the longest running bull market in the history of the country.
With that bull market over, poor returns will take a bite out of RIAs' organic growth, while multiple internal factors will continue to drive them to scale. One is the average age of advisors, which is typically pegged at mid- to late-fifties. As they look toward retirement, these small- and big-time pioneers are often selling to larger organizations.
GenSpring was founded in 1989 as Asset Management Advisors by a handful of families. These days it claims more than 700 client families, with most new clients having investable assets of $25 million and up. A source of growth will continue to be defections from banks and brokerages. Lagomasino is an example of this trend herself, having spent 22 at Chase Manhattan and JP Morgan.
In recent years, thousands of captive brokers have broken away from the large institutions and gone into business on their own. Many are driven by the depressed stock prices of their former employers who can no longer rely on valuable stock options to retain them. Some of these breakaways can transition quickly to independence, except in cases where legal troubles from an antagonized mother ship slow them down. Others struggle to make the transition. In many cases, breakaways "are not good entrepreneurs," says Mark Hurley, co-founder of Dallas-based Fiduciary Network, which invests in large RIA firms. "They are good employees."
Those who establish themselves continue to pull money away from the commission-driven world. "What motivates client transition usually relates to service. Our gain is someone else's loss in those examples," says G. Moffett Cochran, founder of New York-based Silvercrest Asset Management Group.
Cochran and his team are No. 4 on the FP list and serve 350 families. A former business unit at Donaldson Lufkin & Jenrette and, as such, not a typical breakaway, the Silvercrest team left Credit Suisse after the bank merged with DLJ. Since then, Vulcan Capital, founded by Microsoft co-founder Paul Allen, acquired a significant stake in the firm.
Breakaways can succeed rapidly because they are accustomed not only to working in groups, but to managing multiple-partner relationships with custodians and other companies. In other words, the ramp-up to professionalization can be easier for breakaways than it is for organically grown independents.
Enterprise Value
That's a big deal, experts say, because to build market value, an RIA enterprise requires professionalism and scale. It also requires professionalism to achieve scale. Whether RIAs ultimately succeed in shifting the center of gravity away from commission-based operations will depend on whether they build durable business operations. This requires them to build not just great investment advisory practices and not just great entrepreneurial skills, but professional capabilities, as well. This is no small task.
Of the estimated 19,000 RIA firms registered with the SEC, Hurley estimates only 1,200 to 1,300 have more than $300 million in AUM. Of that number, he thinks only 100 to 200 are in the process of building the kind of operational businesses and cultures to endure and flourish over successive generations. They are the only RIAs in a position to make acquisitions. As Thomasson puts it, "The rest are barbershops."
True North's Wood cites a panoply of reasons why neither he nor other RIAs can afford not to grow. "If you don't have growth, you don't compare favorably to your competitors," he says. "Your employees need to see growth to feel good about your company or else their career paths will outpace your firm. You need to grow to stay independent. If you sell out to a bank and lose your independence, clients will leave.
"If you are not growing, the second or third generation of advisors will not buy your stock. That means there won't be liquidity. At the same time, your voice is trying to compete with that of the big banks and brokerage firms. To have all those things you have to have growth."
But growth can also be a red herring. In that sense, the FP list is not the ultimate measure of the true value of the firms on it. Revenue more accurately determines the enterprise value of each firm. The purchase price of any firm is usually a multiple of that revenue stream. And the size of that all-important multiplier typically depends on innumerable factors, including the quality and fidelity of the people at the firm and the robustness of a firm's technology and processes.
Experts say some of the largest RIAs have surprisingly low profitability, which could limit their abilities to transfer ownership. "The numbers are all over the place," Hurley says. "I've seen $2 billion AUM firms with $16 million in revenue and $3 billion AUM firms with less than $3 million in revenue."
Will Giants Emerge?
One debate in the industry these days centers on whether national brands will emerge to dominate the RIA space. Lagomasino and Thomasson both say they'd like to see their firms go national. Others aren't so sure that's likely to happen. It will be hard to compete with investment banks uniquely positioned to capture capital from the wealthiest clients, says Lees of MyCIO. After a large investment bank takes a company public, for example, it has first crack at approaching the owner who's just experienced a large liquidity event, he says.
"Clients know the banks were there for them," Lees says. "It's cross-selling and synergy. They have that allegiance and that's a very powerful marketing tool. After the IPO, the investment banker will say, 'Hey, will you talk to my retail guys?' Goldman Sachs and JP Morgan do this very well." Partly for this reason, Lees doesn't see any RIAs bulking up to a size to compete with the national sales and marketing programs of large banks.
Nonetheless, one company, Focus Financial, with offices in New York and San Francisco, is facilitating consolidation. It buys large, non-controlling stakes in sizable RIAs and has amassed a portfolio of 23 RIA companies with a cumulative $45 billion in AUM.
Cochran of Silvercrest thinks it is possible for RIAs to become too large and lose their main allure to clients. "We could easily be $50 billion over time, but not $500 billion," he says. "Not everyone wants to be a part of a huge global services supermarket. I would like to think that the appeal of doing business with a smaller, more boutique operation that's dedicated to customization will grow."


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A pack of Cold Ones, ridden with skill, can charge powerfully into melee and remain there for some time.
Saurus warriors are formidable fighters, but when mounted atop a Cold One they become a shock force capable of delivering an absolute mauling. Those foes who can muster the courage to stand before the sight of oncoming Cold One cavalry find themselves beset by a whirlwind of biting jaws, slashing talons and jabbing spear thrusts. Those Saurus Warriors blessed by Itzl have an innate aptitude for mounted warfare. They exude a musk not dissimilar to the rank odour produced by the Cold Ones themselves, allowing them to form bonds with the otherwise hostile creatures. The Saurus have dewclaws that are perfect for gripping the thick-scaled hides of their reptilian steed, leaving them free to carry both spears and shields. All such spawning produce a Pack Leader who instinctively leads the group - knowing where to find the Cold Ones and how best to break them in as mounts.
|Can Cause Fear
|This unit frightens all enemy units, reducing their leadership when nearby. It is also immune to fear. Fear penalties do not stack.
|Hide (forest)
|This unit can hide in forests until enemy units get too close.
|Missile Infantry
|Cavalry & Chariots
|Monsters & Beasts
|Missile Monsters & Beasts


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August 14, 2014 08:00 ET
VANCOUVER, BRITISH COLUMBIA--(Marketwired - Aug. 14, 2014) - Canterra Minerals Corporation (TSX VENTURE:CTM) ("Canterra" or the "Company") is pleased to welcome Mr. Bruce Kienlen as Senior Geologist, and Dr. Tom McCandless as Technical Advisor to the Company.
Mr. Kienlen formerly served as project geologist for BHP Billiton's Diamond Group before his appointment as VP Exploration for Diamonds North Resources Ltd. Mr. Kienlen has more than 20 years exploration experience generating, managing and assessing projects with technical expertise in geochemical evaluation.
Dr. Tom McCandless is the former Chief Mineralogist with both Stornoway Diamonds and Ashton Mining of Canada and has over 30 years of experience in exploration and early stage development of mineral properties.
After several years of service, Mr. Walter Melnyk, has recently retired as Vice President, Exploration for the Company, but will remain as an advisor.
Mr. Randy Turner, President & CEO states, "Both Bruce and Tom are great additions to the technical team and their diamond experience will help drive the success of our exploration efforts. We would also like to thank Mr. Melnyk for his contributions to our exploration success to date and wish him well in the future."
In addition the Company announces the granting of incentive stock options to certain directors, officers and employees to purchase up to 700,000 common shares under the Company's Incentive Stock Option Plan. The options will be granted for a period of five (5) years, commencing on August 14, 2014 exercisable at a price of $0.15 per share.
Randy Turner, President & CEO
Neither the TSX Venture Exchange nor its Regulation Service Provider (as that term is defined in policies of the TSX Venture Exchange) accepts responsibility for the adequacy or accuracy of this release.
Randy TurnerPresident & email@example.com TaylorCorporate firstname.lastname@example.com
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Estimated reading time: 9 minutes
Updated January 2016
Barbara Higham, Wharfedale, UK
Photo: Erin White
What's in it for mothers?
Mothers know breastfeeding is good for babies. It's the natural thing to do: human milk provides optimal nutrition and strengthens immune systems. We know too that formula-fed babies suffer more illnesses than breastfed babies.
But how often do mothers hear about the advantages that exist for their own short and long-term health?
The reporting of these 'selfish' benefits is often limited to the perk of speedier weight loss postpartum.
Any discussion of the emotional pluses tends to focus primarily on the baby and the ease of bonding with a more settled child.
Mothers want what's best for their babies, whose needs will come first. But painting a one-sided picture of breastfeeding as an ideal gold standard gift means many mothers think it's an unattainable ideal—on a par with never eating sugar or using silk diapers—rather than the biological norm, something that is simply meant to happen.
We are designed, like all mammals, to breastfeed and not doing so may have far-reaching consequences for both babies and their mothers.
Two-way relationship
Breastfeeding is a two-way relationship, not a sacrificial gift.
Women need to be well and content in order to be up to the job of mothering. It can be such hard work and personal rewards definitely help.
Women should be entitled to good health information and that includes what's in it for us (free from misleading commercial promotion) when we are deciding how we want to feed our babies.
Good for mothers too
Following birth, immediate skin-to-skin contact and the baby's suckling release oxytocin from the mother's pituitary gland. This hormone signals the breasts to let down milk to the baby and simultaneously produces contractions in the uterus to expel the placenta naturally, helping prevent hemorrhage and promoting uterine involution.
As long as a mother breastfeeds without substituting formula, food or pacifiers for feedings, the return of her menstrual periods is delayed. (Why does no one tell women that?)
As natural family planning for the first six months, breastfeeding according to these criteria is considered up to 99% effective when used correctly (Kennedy et al 1992).
Lactational amenorrhea is variable, with some women reporting their first postpartum menses as late as 42 months. (I enjoyed 24 months with no periods following the birth of each of my children.)
Natural child spacing ensures both the optimal survival of each child and the mother's physical recovery between pregnancies. In contrast, the formula-feeding mother requires contraception within six weeks of the birth.
The amount of iron a mother's body uses in milk production is much less than the amount she would lose from menstrual bleeding, decreasing her risk of anemia.
The suppression of a woman's menstrual cycle by exclusive breastfeeding reduces her lifetime exposure to estrogen, which 'feeds' cancers.
The recent research is particularly convincing.
In 2009, The American Institute for Cancer Research (a member of the International Agency for Research on Cancer, a part of the World Health Organization) released the largest review of research into lifestyle and breast cancer ever conducted, which reinforced previous findings that women can reduce their risk by maintaining a healthy weight, being physically active, drinking less alcohol, and breastfeeding their children.
In an eight-year study of over 60,000 women who had given birth, having breastfed at all provided up to a 59% reduction in the risk of developing pre-menopausal breast cancer in women with a family history of the disease (Stuebe et al 2009). That means, for women with a family history of breast cancer, breastfeeding can reduce the odds of developing pre-menopausal breast cancer by more than half.
Another meta study (compiling data from 47 smaller studies) concluded that a woman who breastfed for 12 months in her life reduced her risk of developing breast cancer by 4.3%. This benefit can be multiplied as a mother breastfeeds one child or several children. For example, a mother who has two children and breastfeeds each for two years can realize a 17.2% reduction in her risk of developing breast cancer later in her life (Collaborative Group on Hormonal Factors in Breast Cancer 2002).
The cumulative protective effect of lactation is one explanation for why developed countries, whose mothers breastfeed for shorter durations (or not at all) and have fewer children in their lifetimes, have higher rates of breast cancer.
The most recent review and meta-analysis (Islami et al. 2015) found that breastfeeding reduced the risk of hormone receptor negative tumors, a very aggressive type of breast cancer, by up to 20%. Even a brief period of breastfeeding reduced the risk of the tumors, which are more common in younger women.
Breastfeeding also lowers a mother's risk of developing other cancers including ovarian, uterine and endometrial (Cramer 2012).
Production of milk is an active metabolic process, requiring the use of calories. Like any biological process, this varies from person to person, but if a mother exercises and eats a healthy diet, nature intends for her to lose the extra weight she puts on during pregnancy in the few years it intends her baby to get breast milk.
The reduction in BMI associated with just six months' breastfeeding could importantly reduce women's risk of obesity-related disease and their costs as they age (Bobrow et al 2013).
The findings of one study suggest that women who breastfeed have reduced amounts of abdominal fat, even decades later. Middle-aged women who consistently breastfed their children had waist circumferences that were an average of 2.6 inches smaller than women who had never breastfed (McClure et al 2010). Since the belly is the least healthy place for women to store fat, this is a compelling incentive to breastfeed.
Breast shape, size, and looks are altered by pregnancy and age, not breastfeeding. An entertaining book dispelling this myth is Saggy Boobs by Valerie Finigan, published by Pinter & Martin 2009.
Lactation may have persistent favorable effects on women's cardiometabolic health, which is good news for diabetic mothers (Gunderson et al 2010) and an important consideration for all since heart attacks are the leading cause of death in women.
Breastfeeding substantially reduces the risk of type 2 diabetes in later life. (Liu et al 2010).
Researchers (Erica et al. 2015) evaluated nearly 1000 mothers from diverse backgrounds who had developed gestational diabetes during their pregnancies and monitored them closely for two years after the birth. Nearly 12% had gone on to develop type 2 diabetes. Those who breastfed for more than ten months cut their risk of a diabetes diagnosis by almost 60% in the two years they were followed. Of the women who only breastfed and used no formula for the first two months of the baby's life, 8% developed diabetes, compared with 18% of the mothers who did not breastfeed and only used formula.
Calcium is necessary in the production of milk. Because women lose calcium while lactating, many people wrongly assumed an increased risk of osteoporosis for women who breastfed. However, current studies show that lactation is associated with greater maternal bone size and bone strength later in life (Wiklund et al 2012).
Women who breastfed had higher adjusted total body bone mineral content, total hip bone mineral density and lower fat mass than did parous non-breastfeeders (Paton et al 2003). Chantry et al (2004) concluded that breastfeeding may be protective to the bone health of adolescent mothers.
Women who had breastfed for 13 months or longer were half as likely to develop rheumatoid arthritis as those who had never breastfed. Those who breastfed for between one and 12 months had a 25% decreased risk (Pikwer et al 2008).
Baby blues
Breastfeeding mothers exhibit a less intense response to adrenaline (Altemus 1995). Breastfeeding compels mom to relax. For a start she is sitting or lying down. With an increase in maternal levels of natural opiates during lactation, the release of oxytocin (the hormone of love) followed by a release of prolactin (the milk-making and calming hormone), there comes a letting go, followed by a blissful serenity that helps her slow down to adopt this new pace of life, to cope and enjoy mothering.
All this is quite apart from the personal satisfaction and peace of mind she may have from doing what is best for her child, who will suffer fewer illnesses and will cost her nothing to feed for at least the first six months.
One study found that breastfeeding may protect against negative moods and stress. Breastfeeding mothers had more positive moods, reported more positive events and perceived less stress than formula-feeders (Groër 2005).
To make her life easier, a mother will often have her baby in her arms and babies who are carried cry and fuss less (Hunziker et al 1986).
Doan et al (2007) found that mothers who exclusively breastfed slept an average of 40 minutes longer than mothers who supplemented with formula. Breastfeeding mothers are less tired and get more sleep than their formula or mixed-feeding counterparts and this lowers their risk of depression (Dorheim et al 2009). Doan and colleagues noted that supplementing with formula as a coping strategy for minimizing sleep loss can actually be detrimental because of its impact on prolactin production and secretion. Maintenance of breastfeeding, as well as deep restorative sleep stages, may be greatly compromised for new mothers who cope with infant feedings by supplementing in an effort to get more sleep.
Advising women to avoid nighttime breastfeeding to lessen their risk of depression is unwise. In fact, if women follow this advice, it may actually increase their risk of depression.
A mother who feels that breastfeeding is the only thing that is working well in her life does well to continue if she chooses to take medication to treat her depression. Most antidepressants prescribed nowadays are compatible with breastfeeding, though not all GPs are aware of this.
Mothers who breastfeed may have a decreased risk of Alzheimer's disease in later life (Fox et al 2013). The link may be down to breastfeeding's action in restoring insulin sensitivity and glucose tolerance, which is significantly reduced during pregnancy. More research is needed to investigate the relationship between breastfeeding physiology and cognitive health.
The list of good things for mothers' health resulting from breastfeeding is far from comprehensive and all women deserve to know about these very significant benefits.
From a mother's perspective breastfeeding is a shared gift: one she gives to herself as well as to her baby.
Altemus, M. et al. Suppression of hypothalmic-pituitary-adrenal axis responses to stress in lactating women. J Clin Endocrinal Metab 1995; 80:2954.
Bobrow, K. et al. Persistent effects of women's parity and breastfeeding patterns on their body mass index: results from the Million Women Study. International Journal of Obesity 2013; 37, 712–717.
Chantry, C. et al. Lactation among adolescent mothers and subsequent bone mineral density. Arch Pediatr Adolesc Med. 2004; 158:650–656.
Collaborative Group on Hormonal Factors in Breast Cancer. Breast cancer and breastfeeding: collaborative reanalysis of individual data from 47 epidemiological studies in 30 countries, including 50302 women with breast cancer and 96973 women without the disease. Lancet 2002; 360, 187–95.
Cramer, D. The epidemiology of endometrial and ovarian cancer. Hematol Oncol Clin North Am 2012; 26(1):1–12.
Doan, T. et al. Breastfeeding increases sleep duration of new parents Journal of Perinatal & Neonatal Nursing 2007; 21(3), 200–206.
Dorheim, S. et al. Sleep and depression in postpartum women: A population-based study. Sleep 2009; 32(7), 847–855.
Erica P. et al. Lactation and progression to Type 2 diabetes mellitus after gestational diabetes mellitus: a prospective cohort study. Annals of Internal Medicine 2015; 15 Dec. (163)12.
Fox, M. et al. Maternal breastfeeding history and Alzheimer's disease risk. Journal of Alzheimer's Disease 2013; DOI 10.3233/JAD-130152.
Freudenheim, J. et al. Exposure to breastmilk in infancy and the risk of breast cancer. Epidemiology 1994; 5, 324–331.
Groër, M. Differences between exclusive breastfeeders, formula-feeders, and controls: a study of stress, mood, and endocrine variables. Biological Research For Nursing 2005; 7: 106–117.
Gunderson, E. et al. Duration of lactation and incidence of the metabolic syndrome in women of reproductive age according to gestational diabetes mellitus status: a 20-year prospective study in CARDIA (Coronary Artery Risk Development in Young Adults). Diabetes 2010; 59(2):495–504.
Gwinn, M. et al Pregnancy, breast feeding, and oral contraceptives and the risk of epithelial ovarian cancer. J Clin Epidemiol 1990; 43: 559–68.
Hunziker, U. et al. Increased carrying reduces infant crying: a randomized controlled trial. Pediatrics 1986;77(5):641–8.
Islami, F. et al. Breastfeeding and breast cancer risk by receptor status: a systematic review and meta-analysis. Ann.Oncol.2015 Dec;26(12):2398-407.
Kennedy, K. et al. Contraceptive efficacy of lactational amenorrhoea. Lancet 1992; 25;339(8787):227–30.
Liu, B, et al. Parity, Breastfeeding and the Subsequent Risk of maternal Type 2 diabetes. Diabetes Care. 2010; 33(6): 1239–41.
McClure, C. et al. Presentation, American Heart Association's Cardiovascular Disease Epidemiology and Prevention Annual Conference, San Francisco. 2010.
Paton, L. et al. Pregnancy and lactation have no long-term deleterious effect on measures of bone mineral in healthy women: a twin study. Am J Clin Nut 2003; 77: 707–14.
Pikwer, M, et al. Breast-feeding, but not oral contraceptives, is associated with a reduced risk of rheumatoid arthritis. Ann Rheum Dis. 2008.
Stuebe, A. et al. Lactation and incidence of premenopausal breast cancer: a longitudinal study. Archives of Internal Medicine 2009; 169, 1364–1371.
Wiklund, P, et al. Osteoporosis Int. 2012 Jul; 23(7):1939–45.
World Cancer Research Fund and American Institute for Cancer Research. Food, Nutrition, Physical Activity, and the Prevention of Cancer: A Global Perspective Washington, DC: AICR, 2009.
Zinaman, M. et al. Acute prolactin and oxytocin responses and milk yield to infant suckling and artificial methods of expression in lactating women. Pediatrics 1992;89 (3): 437–40.
Barbara Higham has been a La Leche League Leader since 2004 and is managing editor of Breastfeeding Today for La Leche League International. She lives with Simon and their three children in Ilkley, Yorkshire, UK.
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I suffered from PTSD and postnatal anxiety after the birth of my second child (high risk pregnancy, difficult birth), and found that breastfeeding was a surefire way to calm me down from a panic attack or flashback, and help me to carry on. My mental health is much better now, and we are both still enjoying breastfeeding at 29 months.


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Contact Information Virginia
Nicole Riley was selected as state director of NFIB/Virginia in 2011.
She previously worked as a lobbyist in the Richmond office of Eckert Seamans Cherin & Mellott LLC.
Riley, who holds a bachelor's degree in political science from Roanoke College, began her career as a legislative assistant to Delegate R. Steven Landes. She was a legislative policy analyst under then-Attorney General Jerry Kilgore and special assistant for legislative affairs under then-Attorney General Bob McDonnell.
In addition to representing the interests of NFIB/Virginia members before the General Assembly, Riley oversees NFIB's grassroots activism, political involvement and member development efforts throughout the commonwealth.
919 E. Main St., Suit 1160
Richmond, VA 23219
Addtional NFIB Contacts
Kristie Helmick
Senior Grassroots Manager
Todd Pack
Senior Media Manager


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Magazine » January February 2013 Issue » Socially Yours: Dance Shoes
Socially Yours: Dance Shoes
- Author:
- Jean Krupa
- Date Published:
- January 1, 2013
The majority of USA Dance members are social dancers. In an effort to create more content specific to our members Jean Krupa has agreed to write a regular column that is specifically directed to questions and topics posed by social dancers.
For today's topic I have chosen dance shoes. Beginner dancers may take a few lessons in their sneakers, sandals, boots, or high heels. They may notice advanced dancers wearing dance shoes and wonder "Where can I get shoes like those and does it really make a difference?" There are shoes for running, golfing, etc, so the answer is "Yes", dance shoes have a very specific design, they are much lighter and they form to your foot.
Dance shoes come in many different styles, patterns and colors, not to mention heel heights from 1.5"- 4". The trick is to find the shoe that works best for you. So what should you look for in a dance shoe? Good dance shoes are characterized by these three properties: traction, comfort and support. Good dance shoes fit comfortably and securely to your foot and slide and grip on smooth surfaces, good dance shoes are light as a feather; have built-in extra cushioning; and fantastic arch support.
Don't settle for dance shoes that are too tight fitting; crush your toes or your heel slides around when you move. Do not compromise on your comfort for any reason. Dancing in heels may seem uncomfortable at first especially if it's your first time in heels.
The sole of choice for most ballroom dancers is soft-suede. They offer the dancer the ability to alter the amount of traction they get with a few strokes of a shoe brush. However, they are not meant for the street; that will ruin your shoes.
Both men's and women's dance shoes are available in a wide selection of heights. The best advice is to choose a height that is comfortable for you. The advantage to having a higher heel is that your weight is distributed over the ball of your foot that allows you to spin and turn with greater comfort and ease, especially in the Latin dances. The higher heel stops you from lowering your heel to the floor that can cause you to fall out of a fast turn or make you feel stuck to the floor.
Heels on most ladies dance shoes are narrow. However, unlike street shoes, women find that these heels are stable and comfortable. For greater stability and comfort, choose a wider square heel.
While men have several styles and colors to choose from, a basic black oxford is the most common shoe. The most important thing is that your feet are comfortable...that's the most important rule! You will not enjoy dancing with ill-fitting shoes and sore feet! Men's dancing shoes should fit snugly with just enough room to wiggle your toes.
Men's latin shoes are also oxfords, but have a higher heel and are a bit more challenging to dance in.
Although black is the most common color in dance shoes, men do have some other choices, such as white, various shades of brown, and a few two-tone combinations.
Once you have invested in ballroom dancing shoes, you will want to take good care of them! These tips will help to extend the life of your shoes:
- Brush the (suede) soles after each use with a wire shoe brush.
- Never wear your dance shoes outdoors.
- Do not allow your dance shoes to get wet.
- Store your shoes in a shoe bag to prevent accidental damage.


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The good news is that recovery from addiction happens every day in America.
(PRWEB) October 18, 2013
Mediaplanet Publishing recently announced the launch of "Addition Recovery," a cross-platform campaign that was distributed as a 6-page broadsheet section within the Los Angeles Times on Saturday, September 28th, and digitally across a network of online platforms, reaching over 2 million readers.
The multi-platform campaign serves as a guide for addiction awareness, providing families and addicts alike with the inspiration and resources they need to kick the habit. To view the full publication, click HERE.
The awareness campaign aims to address and reverse the stigma associated with addiction. It succeeds in uniting the organizations and companies working at the forefront of addiction recovery, including: Candy Finnigan of A&E's "Intervention", The National Association for Addiction Treatment Providers, A New PATH, The American Civil Liberties Union, and The California Association of Alcoholism Drug Abuse Counselors.
"This will be one of the most important decisions you've ever made," states Michael Walsh, President and CEO of NAATP in the campaign's foreword, in reference to seeking addiction treatment. "The good news is that recovery from addiction happens every day in America," he goes on to say.
"You have to get professional help," says Candy Finnigan of A&E's "Intervention, who encourages parents and families to be anti-drug advocates. She suggests monitoring kids' social media accounts, looking around the house for alcohol, pills or other drugs and monitoring spending and credit card statements.
By raising awareness and highlighting solutions and resources, we can undoubtedly inspire more action to be taken, stigmas to be broken, and together celebrate the fact that recovery happens. Through the publication, readers will learn about a variety of topics including:
- Vetting Treatment Center Options
- Addiction Counselor Education
- The Historic Opportunity that is Healthcare Reform
- Inspirational Stories of Recovery
- Addressing Family Members with Addiction
- Teen Addiction
Special thanks:
This campaign was made possible with the partnership of a number of leaders in the addiction community including: Candy Finnigan, The National Association of Addiction Treatment Providers, Drug Policy Alliance, The American Civil Liberties Union, California Association of Alcoholism & Drug Abuse Counselors, Parents for Addiction Treatment & Healing, The Partnership at Drugfree.org, TheFix.com, KLEAN Treatment Center, CLARE Foundation, Morningside Recovery, Newport Academy, New Method Wellness, Inspire Malibu, Betty Ford Center, & The Fellowship Center.
About Mediaplanet
Mediaplanet is the leading independent publisher of content-marketing campaigns covering a variety of topics and industries. We turn consumer interest into action by providing readers with motivational editorial, pairing it with relevant advertisers, and distributing it within top newspapers and online platforms around the world.


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Back Pain?
If you suffer from back pain, you should know, you're not alone. Half (1/2) of all adults report that they suffer from back pain at some point throughout the year.
Experts predict that 80% of the working population will experience back pain at some point during their lifetime.
The good news is, that most back pain isn't caused by any type of serious medical conditions.
Even with that said, often times back pain can be quite debilitating. In fact, poorly treated back pain can force their suffers to lead a very sedentary lifestyle.
"The most common cause for back pain is either poor posture or a sprain or strain of the complex system of muscles, tendons, or ligaments around the spine."
Unfortunately, bed rest can often times worsen symptoms of back pain. And pain relieving drugs can bring some problematic side effects. Not to mention that pain relieving and anti-inflammatory drugs usually just temporarily mask back pain without getting to the root of the problem.
"A sprain or strain of the muscles around the spine."
Massage therapy can help you reduce or eliminate back pain for good. There is no need to continue to suffer through bouts of back pain and miss out on life's more enjoyable activities.
"The easiest, most inexpensive, 100% natural way to reduce even eliminate back pain is Massage Therapy."
The Japanese Institute specializes in using massage therapy to address your back pain. Our approach to addressing your back pain through massage therapy is proven.
"I had a lower back problem that often woke me up in the middle the night. It affected my sleep and I could not get rid of it. I tried other massages. I noticed the benefits after the 1st massage at The Japanese Institute. I have not woke up even once with my lower back problem since my first visit. I have tried other massages but did not have the results like I now have with Japanese massage. My pain is GONE."
"I have chronic back problems that include my neck, mid back, and lower back. I was really desperate for relief from my constant discomfort and sometimes debilitating pain. At that time my doctor had prescribed anti-inflammatories, muscle relaxers, and pain killers, some of which I was taking twice daily. I was also doing physical therapy and getting chiropractic adjustments. Now, with Japanese massage I am pain free."


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While Myanmar has demonstrated significant progress on civil and political rights, FWF continues to regard it as a high risk country, facing specific challenges with regard to implementation of labour standards. Serious challenges remain to adhere to FWF's eight labour standards in Myanmar. Garment factories in Myanmar particularly face high risks for violations including: low wages, long working hours, repression of union members and strike leaders, poor working conditions, child labour, and the lack of a healthy social dialogue among both employers and unions. In addition, women workers reported they face a high risk of verbal and physical abuse, particularly when they leave work at late hours. These problems are exacerbated by high levels of corruption, land grabbing, and military and crony involvement in local business.
FWF has seen a slow but steady increase in the number of factories in Myanmar from which FWF members source. At present (update November 2016), 11 FWF member companies are (actively) sourcing from 18 factories in Myanmar.
Following the suspension of economic sanctions by the EU, the US and other Western countries, in June 2012 the board of FWF decided to suspend the requirement for new companies to phase out production in Myanmar factories. It also decided to re-evaluate its position one year later, which led to the issuance of a discussion paper in June 2013 and finally a position paper in December 2013. This position paper indicates a number of requirements for member companies that are sourcing in Myanmar:
- Avoid production at factories linked to the military, forced labour and/or land grabbing practices
- Describe reasons for moving production into Myanmar
- Specify how conditions for each labour standard in Myanmar will be improved in practice
- Promote processes that enhance social dialogue in each production factory in the country, preferably select unionised factories
- Publish wage ladders per factory and cross-check with available benchmarks
These country specific requirements for Myanmar are in addition to FWF's general requirements for its members. FWF members (that consider) placing orders in Myanmar are required to share in full their due diligence process with FWF to ensure compliance with above points. In addition, FWF maintains and publishes a list of factories that makes transparent where FWF members are sourcing.
In 2016 FWF published its first country study for Myanmar. In addition, it will be establishing its standard verification model including factory audits (including off-site worker interviews) and a local complaints helpline for workers. In addition, in order to enhance worker awareness, FWF translated the Fair Wear Formula video into Burmese and customised its Workplace Education Programme for Myanmar.
Please also check out our video about Thet Thet Zon, a garment worker in Myanmar. Thet Thet talks openly about what she earns and what she spends in the latest FWF video.


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Designed and built by Jianglong Shipbuilding Company, this yacht is 38m with sleek line as well as luxurious interior decoration, which make it an ideal yacht. High quality of fit and finish which is evident throughout will satisfy all the passengers in the yacht.
About the company
Located in Zhuhai, Jianglong has two branches, which cover an area of 233,450sqm. With rich experience and high class designers and engineers, we provide our customer high quality products as well as first-rate service. Moreover, we also offer OEM service. Welcome to contact us for more information.
L.W.L: 35.32m
Draft: 0.95m
Displacement: 123.51 tons
Fuel tank: 2*1000L
Water tank: 1*5000L, 2*2000L
Diesel Engine: 2* CUMMINS (NT855-M, 179kw, 1800rpm),
Generator: 2* Kohler/Onan (120kw)
Speed: 10 kn
For river cruising only
Passenger capacity: 182persons.
Crew capacity: 8persons


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YOU Trust
Person Centred
We didn't become 'YOU' for nothing! Let's be honest, as people, we're all different. So, we start by putting you first. We listen, plan, support, work and face the hard times with you. We aim with you, for your goals.
We'll go the extra mile for you. We don't expect you to fit in with us, we'll fit in with you. After all, it's the life you want that we are talking about.
YOU expect the best and so you should. After all, is the life you want surely not the one you deserve? Our promise to you is summed up in one word: 'exceptional'. We will not rest if we are not the very best. Not good enough for you, is not good enough for YOU. So, if we get it right for you we'd love you to tell us, if you can spare a moment. If we fall short, all we
ask is that you either tell one of our staff or contact us. We'd love to hear from you.
We all know what it's like to be let down by someone else so why should you trust us? Well, your trust in us is at the very heart of what we promise you.
If we're privileged to work with you, then we'll make it our business to show you we mean what we say. The life you want is what YOU want too. No excuses!
Give us a challenge and we love it! Ask us to do something a little different or maybe a bit tricky and we'll swing in to action. Hitting a brick wall is no reason to stop YOU. Saying 'No' offends us as much it disappoints you.
We make it our business to go the extra mile because we can make the difference between success and failure for YOU!
Old habits die hard. Old answers to new problems may not work. Maybe others have told you there is no way out. Getting stuck in a rut is no place to be. At YOU, we're good at taking a fresh look.
We believe there are always answers – it's not a question of if we can do it, it's how we can do it. Talk to us. We'll go the extra mile to see what we can do for you.


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Cape Arago State Park
Activities: Beach, Fishing, Crabbing & Clamming, Geocaching, Kayaking, Scenic Drives, State Parks & National Lands, Tidepooling, Walking & Hiking
Located at the end of Cape Arago Highway, you'll find Cape Arago Beach. Tucked away below the cliffs, a short walk along the steep trails will take you to a secluded cove where tide pooling and fossils can be found. Visitors can also enjoy whale watching, fishing, and scuba diving. Two trails can be found for excellent hiking opportunities, the south trail leads to tidepools full of a variety of sea life, and the north trail lets visitors view offshore colonies of seals and sea lions. The north trail is closed from March – June to protect the seal pups during birthing season. For more information, call 541.888.3779, ext 26. Picnic tables and restrooms are available.


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Amherst is a city in Hampshire County, Massachusetts. Situated in the Connecticut River valley, Amherst had a population of just under 38,000 as of the 2010 census. While Northampton is the county seat of Hampshire County, Amherst is the largest city.
Late in the 17th century, John Pynchon purchased the land on which Amherst lies from members of the Umpanchla, Quonquont, and Chickwalopp tribes. The community gained precinct status in 1734 and was officially incorporated as a township in 1759. Jeffrey Amherst, from whom the city received its name, was a hero of the French and Indian War.
As of 2006, 49% of Amherst citizens are registered Democrats, 6% are registered Republicans and 43% are politically unaffiliated. As of 2008, 76% of Amherst residents are white, 5% are African-American, 9% are Asian and 6% are Hispanic.
Educationally, Amherst is home to Amherst College, Hampshire College and the University of Massachusetts Amherst. These three colleges are members of what is known locally as the Five College Consortium, of which 28,000 students are members.
Notable residents include Emily Dickinson, Robert Frost, Edward Hitchcock, Robert Francis, Helen Hunt Jackson, Julie McNiven, Jamila Wideman and Uma Thurman.
The Eastern Hampshire District Courthouse is located at 205 State Street in Belchertown, Massachusetts, 01007.


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Twitter has just made editing your profile much easier by adding inline editing for the profile picture, header photo, and basic information on the desktop.
Now, you can edit your profile inline (without having to go to a separate profile editing page). Just click the "edit profile" button on your "me" page and you'll be able to change both your header and profile photos plus your bio, location, and website information.
Either click the image you wish to change and upload or even take a new photo - or you can drag and drop photos from your desktop. You gotta love some drag and drop.
You guys. We did it. Twitter has inline profile editing & drag and drop photo uploads! youtube.com/watch?v=ZkP8ri…Thank @jondkoon, who led this.
— Patrick Ewing (@hoverbird) May 31, 2013
If you're on-the-go, you'll still have to click the gear icon and then "edit profile" to make the aforemetioned changes. Plus, if you want to change your background photo on the desktop, you'll need to go into you settings as well.
It's a small change, but a good one. Ever since Twitter unveiled their new header photos, they've been pushing adoption pretty hard by suggesting users upload one when they first log in. And about the whole profile photo thing - look, if you still have an egg as your pic, you're doing Twitter so wrong that you may as well just quit.
As Twitter has been known to do, they're announcing the new profile editing features with a cartoon. Oh, Phillip.


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By Logan Hall
It's tough times ahead for the city of Ojai. Interim city manager John Baker gave the Ojai City Council his mid year report on the 2010-2011 fiscal year for the city last week. In it were numbers that indicate economic hardships are going to continue for the city.


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By Osondu Ahirika
I have a story to tell. It is about the revered Dr Reuben Abati and how he stumbled on a gamble with the local politics of Akwa Ibom State.
Before I share my tale, I make haste, my opening statement. The best horse may stumble someday. That is a maxim, traced by legend to Olympias in Grecian history.
Olympias was the wife of King Philip II, and mother of Alexander the Great. Legend has it that, Olympias, observing her son's obsession with war and conquests, warned the battle hardened Alexander to be wary of conflicts. Observing the over confidence of her son in his experience and proficiency in war, Olympias reportedly warned him that, the best horse may stumble someday.
I am persuaded that, Dr Abati, in his desperation to launch himself back to the pantheon of 'non partisan' commentators on the Nigeria project, after the taint of his years as the President's spokesman, chose Akwa Ibom State, which is the face of the Peoples Democratic Party, PDP, in Nigeria, as the 'Guinea pig' for that quest. Sadly, he scored an own goal by that infamous act. Now, hear my story before I render my verdict.
The date was Sunday May 27 , 2012. The event? A Democracy Day Thanksgiving service at the National Ecumenical Centre, Abuja. Then President Goodluck Jonathan, his wife, Patience, Governor Patrick Yakowa of kaduna State, Governor Seriake Dickson of Bayelsa, then Deputy Governor of Nasarawa State, Dameshi Luke, Dr Reuben Abati, several Senators, Ministers and other top politicians were in attendance.
The guest preacher, erstwhile Primate of Church of Nigeria, Anglican Communion, Bishop Peter Akinola, in a blunt sermon, sued the august congregation to join faith with him in denouncing corruption and committing corrupt officials to God for divine affliction. It was a tense service.
When the man of God finished his prayer, President Jonathan and his officials declined to chorus, amen. Expectedly, newsmen quizzed Abati, to explain why Jonathan and his officers refused to say amen, despite the protest of Bishop Akinola, following his prayerful curse against corruption perpetrated by public officials. Government officials should please come to our rescue here.
Is this true? Abati said, it is about not breaching aspects of protocol that are not widely known outside Government circles, which limits the number of times Mr President or government officials can say amen during a church service.
According to Abati, it is a long standing presidential protocol that, during Church or Mosque services, the President only offers a fixed number of amens or amis, as the case may be. He was however mute on the prescribed number.
Hear him, "The Reverend had offered many prayers and demanded many amens prior to the contentious one, the result of which was that, the day's quota of amens had been used up."
In a fleet of political correctness, Abati charged preachers, pastors and imams to come to terms with government protocol, and to also limit the length of their prayers and sermons.
Then wait for this : "It is the same people accusing the President of not saying amen to anti-corruption prayer that would be accusing him of favouritism if he had broken with protocol and said more amens than is allowed by constitution," Abati said.
Folks', that is Abati for you. Going by his name, Reuben, I guess he is a Christian. But, his recent tirade in a decidedly, blindsided piece, in which he launched a misguided attack on the Church in Akwa Ibom State, gagging them with the abasing label of being parastatals of the State Government leaves me pondering, what faith he actually professes.
Recall that, in November 2013, Nasir el-Rufai(currently Governor of kaduna state), reacting to a picture of President Jonathan kneeling for prayers from Pastor Enoch Adeboye, derisively tweeted, "Many prayers of the lazy, docile, incompetent, clueless, hopeless, useless leader!"
Let me render an abridgement of Abati's response when prodded by newsmen, "it is those people criticizing President Jonathan who are totally clueless… We are waiting for Nasir el-Rufai, Lai Muhammed, Oby Ezekwesili, Dino Melaye, and the Jagaban (Bola Tinubu) and their Northern godfathers: may they all see the light, and may the light set them free. And that tells you something, that we have a president who is a true leader who in the fullness of time, you find his worst critics, becoming his strongest promoters. And that is our point"
He never saw anything wrong with President Jonathan resorting to the church for prayers in trying to grapple with the challenge of governing a complex nation as Nigeria.
He defended every romance of the then PDP administration with the Pastor Ayo Oritsejsfor led Christian Association of Nigeria, CAN.
Never mind the scandals of that era, including the botched South Africa arms deal cash allegedly ferried in the private jet of a religious leader, the temporary pull-out of the Catholic bloc from CAN for alleged politicization of the body by the Jonathan administration, or the alleged bribery of CAN for the 2015 Presidential elections. Abati saw no evil in all of that. He now seeks to use Akwa Ibom, with a skewed narrative, for his 'Damascus' redemption song.
I am careful not to belabour the unfortunate references to the overflogged Akwa Ibom Governor's Lodge project, Lagos, or the equally infantile recourse to insinuating that, the private letter of a certain Rev Peter Richard of the African church, which was openly disclaimed by the Church, and several Akwa Ibom State government officials to validate his, patently puerile, unfounded and unfortunate thesis, that, the church in Akwa Ibom State is compromised with political whoredom. He even failed to relate that to Governor Emmanuel allowed the protesters have a March and ordered his supporters to call off a planned counter rally which would have been massive.
Abati should know that many states in the world run a pseudo theocracy. Religion and the state are like a conjoined twin. They can hardly be separated. I don't know if Abati prefers that, our leaders consult Okija shrine, or that the church leaves politics for animists to determine how the state is governed.
But let me tell Dr Abati a home truth. Akwa Ibom State is named after God. The people are unapologetically of the Christian faith and are proudly so. He needs also know that, Governor Udom Emmanuel is an ordained Deacon of the Qua Iboe Church, which was founded by The Rev Alexander Bill, close to his village. He will hang, if needs be, a the Bible on his neck to make boast of his faith. He owes nobody, not even Abati, an apology for this.
Like the scripture beseeches us, "These commandments that I give you today are to be on your hearts. Impress them on your children. Talk about them when you sit at home and when you walk along the road, when you lie down and when you get up. Tie them as symbols on your hands and bind them on your foreheads. Write them on the doorframes of your houses and on your gates.(Deuteronomy 6; 7-9).
We hold fast to our faith. Even President Muhammadu Buhari has remained fervent in prayers to ensure Nigeria works. Every leader does. Udom Emmanuel, I believe, will not be blackmailed by this Facebook-gossip induced treatise by Dr Abati. A good horse that he is, in this profession, he stumbled on this Akwa Ibom diatribe. This was an own goal. May it not diminish the stature of the great Dr Abati.
Here is my ruling. For this obvious goof by Dr Abati, and in the spirit of the season of celebration in Akwa Ibom, I hereby order that, he be coloured with orange and discharged on self recognition. I rise.


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Register Now!
The East Valley Institute of Technology will host an EVIT Boot Camp for high school freshmen, sophomores and juniors from 8 a.m. to 11 a.m., Saturday, Oct. 25 at the Main Campus, 1601 W. Main St., Mesa. This FREE event is for students who are interested in learning more about EVIT programs. During Boot Camp, they take an actual class and get to experience what a day in that class would be like.
The following programs will offer classes during Boot Camp: 3D Animation; Automotive Technologies; Collision Repair; Construction; Cosmetology; Culinary Arts; Diesel/Heavy Equipment; Early Childhood Education; Fashion, Interiors & Textiles; Fire Science; Heating, Ventilation & Air Conditioning; Information, Technology & Engineering Careers (iTEC); Law Enforcement; Multimedia Technologies; Precision Machining Technology; Radio/Audio Production; EVIT School of Health Sciences (includes Dental Careers, Emergency Medical Technician, Human Anatomy & Physiology for Medical Careers, Massage Therapy, Medical Assistant, Nursing Assistant, Pharmacy Technician, and Physical Therapy Technician); Video Production; and Welding.
Students should register ASAP because space is limited. For more information about EVIT Boot Camp, contact Dr. Melissa Valenzuela at (480) 461-4153 or email@example.com.
Register Now!
It is the policy of the East Valley Institute of Technology District #401 to provide all persons with equal employment and education opportunities regardless of race, color, sex, national origin, marital status, age or disability. District grievance procedures will be followed for compliance with Title IX and Section 504 requirements. The compliance officer is the EVIT Superintendent.


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Nov 21, 2013
Stan Moore and Phil Durst discuss concepts learned at the Michigan Safety Conference, delivered by Don Wilson of Safe Start. This episode talks about what you can do to improve your personal safety both on and off the farm.
Nov 18, 2013
Phil Durst and Stan Moore talk about the benefits gained when management creates a goal driven environment on the farm.


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Abby Sutherland grew up sailing.
Her father, Laurence, a shipwright, and her mother, Marianne, wanted their kids to develop responsibility, to see other cultures, to experience the world instead of watching it on TV. So they took them sailing down the coast of Mexico... for three years.
When Abby was thirteen, she began helping her father deliver boats and soon was sailing solo. She loved being on the open ocean, the spray in her face, the wind in her hair. She began to dream of sailing the world.
But fewer people have successfully solo-circumnavigated the globe than have traveled into space. It is a challenge so immense that many have died trying, and all have been pushed beyond every physical, emotional, psychological, and spiritual limit.
In Unsinkable, you will follow Abby into the depths through a gripping and evocative firsthand account that starts prior to her departure, travels through her daring (and sometimes near-death) encounters on the open sea, to her dramatic rescue in the remotest part of the Indian Ocean. Today, when the most productive thing a teenager may do is play videogames, Abby's courage and tenacity shows us all what can happen when we choose to challenge our own limits, embrace faith, and aim for what our critics say is impossible.
It was pitch-black out and whitewater was crashing over the boat. The wintry wind screamed across the deck, and I could tell it was now holding up near fifty knots. Imagine standing on the roof of a car that's driving down the freeway. That's how hard it was blowing.
At that moment, a huge gust hit the mainsail like a train. The boat heeled over to port as if a giant hand had smacked her down, and I tumbled over the top of the mainsail toward the water...
On January 23, 2010, sixteen-year-old Abby Sunderland set sail from Marina del Rey, California, in an attempt to become the youngest person to sail solo, nonstop, and unassisted around the world. Immediately, her trip sparked controversy. What was a girl her age doing undertaking such a voyage? What were her parents thinking?
Abby's critics predicted she'd make it a few weeks at most. But sailing south, she proved them wrong and became the youngest person to solo around Cape Horn, the "Mt. Everest of sailing." Crossing the Southern and Atlantic oceans, she battled vicious storms and equipment breakdowns―making one critical repair literally with a nail file and some line. Abby bested the wicked waters at the southern tip of Africa and then entered the Indian Ocean―all twenty-seven million square miles of it.
Even less than a hundred years ago, having your boat become disabled in the middle of the Indian's immense rolling reaches was as good as a death sentence. The odds are better now, but not much. It was here that Abby Sutherland encountered the violent storms that would test her mettle and her will to survive―and change her life forever.
|Abby Sunderland , Lynn Vincent
|About the Contributor(s)
|Abby Sunderland
Abby Sunderland is the second of eight children in a family of sailors and adventurers. In 2007, at age 13, Abby discovered her dream of sailing solo around the world and was inspired by her brother Zac's successful circumnavigation in 2009. Her own journey, in 2010, ended in the Indian Ocean when a rogue wave rolled her sailboat, Wild Eyes . Abby now shares her story of tenacity and courage to audiences everywhere.
Lynn Vincent
Lynn Vincent is the New York Times best-selling writer ofHeaven Is for Real and Same Kind of Different As Me. The author or coauthor of ten books, Lynn has sold 12 million copies since 2006. She worked for eleven years as a writer and editor at the national news biweekly WORLD magazine and is a U.S. Navy veteran.
|Release Date
|Apr 12, 2011
|Weight (lbs)
|Length Unit
|Thomas Nelson


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Credit Score Calculator v.1.0
The following is a calculator that estimates your credit score to help you determine what kind of interest rates you can expect when borrowing money.
FRS Score Collector v.1.0
FRS Score Collector is designed to allow a teacher or parent to collect and save or print scores from popular FRS software titles like Master the Facts Multiplication.
FRS Score Collector for Mac OS X v.1.0.5
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Score A Million
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Top Score for Windows is probably the most comprehensive and easiest to use cricket statistics program currently available and the program just got even better!
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Golf Score Wizard is an easy to use score card tracker. Track your drives, putts and more! Use it to record your score from each game and use it to track your improvements or problems. Create reports by course or time. You can set up your


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GERMAN ENGLİSH TURKISH SPEAKING POSITION (Istanbul)
Vacancy in a EU Funded Project in Turkey (TR Protected content JH Protected content an effective and professional Justice Academy" between Germany (German Foundation International Legal Cooperation-IRZ) and the Justice Academy of Turkey:
*For a German, English, and Turkish speaking full-time administrative assistant with university degree to assist the RTA and project team in project implementation. (Ref: RTAA)
The monthly salary will be Protected content . Candidates are asked to send their CVs and application letter giving reference to the interested position, by only e-mail to Protected content not later than 20 January Protected content . More information is available at Protected content


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Hello heaven! Fairy tale escapades await couples heading to the astounding French Polynesia, on the Island of Bora Bora. Many international travelers choose this exquisite destination because it's romantic and absolutely breathtaking. The idyllic island is packed with white powder beaches, blue lagoons, and comfortable bungalows where tourists are invited to lounge after a whole day of sunbathing in the sun. Honeymooners are in love with Bora Bora because of its exotic allure, adventurous activities, and peaceful vibes. If you're looking for a secluded retreat to spend quality time with your loved one, this is the place to be.
Bora Bora will seduce you with its luxury traps and soon enough you'll be a prisoner in Paradise. Famous not only for its staggering beauty, the island is surrounded by volcanic peaks and crystal-clear waters. Movie stars and wealthy people come to Bora Bora because they want to escape the hustle and bustle of the big cities, and spend a couple of days alone with their significant other. Expensive at a first glimpse, there are travel packages for everyone especially if you choose to plan your vacation with a couple of months in advance.
Bora Bora – a Pandora's box of guilty pleasures
We have to admit that Bora Bora is overpriced, yet for some tourists it's the experience that counts. Saving money to explore this wonderland will be worth every dime if you truly want to enjoy an exquisite honeymoon or romantic escapade. The exotic destination features plenty of high-end hotels, resorts, and spas, meant for those who want to indulge in an unforgettable experience. If you're traveling on a budget, Bora Bora has lots of old-fashioned guesthouses and family pensions where you can lodge in. For some people, traveling to the French Polynesia is all about having a good time and trying out all the activities. Some of the best things you can do while here:
The superb Bora Bora Lagoon is bath-warm and crystal-clear. It is filled with beautiful tropical marine life such as parrotfish, butterfly-fish, and banks of coral, so it will certainly exceed your expectations. The best sites for snorkeling are near the barrier reef and the coral gardens, on the island's south and west side. Don't forget to ask about Anau, a special place inside the lagoon that's simply majestic early in the morning.
An excellent way of discovering Bora Bora and its surroundings is by joining a lagoon excursion. There are plenty of operators in the area; they offer full-day trips and they usually have free diving trips included. On top of swimming and diving, you can also benefit from unforgettable shark feeding experiences. Bora Bora is such a delightful travel destination for couples, and since Valentine's Day is a few days away, why don't you surprise your loved with a luxurious trip?


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The best 3D Scanning Apps for your iphone/android device
Henry Listin 5 October 2017
WHAT can be returned?
All Products in an unused form and undamaged can eb returned to us providing you have been given a Return Authority Number.
WHEN do items need to be returned by?
All items purchased that you do not want must be returned within 2 Weeks of recieving the items.
WHERE do items need to be returned to?
Returs can be posted to our home office located at 4 Moon Court, Maddingley, Victoria, 3340
HOW do customers return items?
All items for return must be pre-approoved prior to you sending them back. You must contact us via email, phone or using the reoslution centre link found at the bottom of our website.
SHIPPING for returns?
Shipping rates are not refunded on returns unless approoved by The 3D Printer. Returns that are simply change of mind or wrong product at fault of customer are not refunded for shipping. Shipping will only be refunded if goods being returned have been found to have a fault not preventablle by the customer.
CREDIT for returns?
Returns are refunded in the same way the were funded to us. If you paid via PayPal you will be refunded via PayPal. If you paid via Credit Card they will be refunded by credit card and so on.
Instore return option?
You may bring your item back to our hea office location in person only with an approoved Returns Autohrity Number and only at a time that has been appointed by one of the staff at The 3D Printer.
Packing materials?
All items beig returned must be in original packing. If items are not returned in original packaging extra fees and deductions will apply and you may not recieve a full refund.
Henry Listin 5 October 2017
Dion Parsons 19 September 2016
Dion Parsons 23 April 2016
Dion Parsons 22 April 2016
Dion Parsons 18 April 2016
Dion has helped us establish 3d Printing at Gilson College. He has gone above and beyond in helping us and we will continue to deal with The 3d Printer Company for all our printing needs. Thanks Dion.
We had nothing but amazing friendly support, and got our problems solved quickly and with no fuss. Signs of a truly great business is not measured by selling good products, but is measured in how they support the customer when problems arise.
Dion runs one of the best 3D printing supply shops in Australia and is fantastic to deal with. He provides a sound advice on the emerging technology and is always keen to help his customers in a timely and professional manner.


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A powerful statement against war, Barefoot Gen is a disturbing story about the effect of the atomic bomb on a boy's life and the lives of the Japanese people.
Ray Breslin manages an elite team of security specialists trained in the art of breaking people out of the world's most impenetrable prisons. When his most trusted operative, Shu Ren, is kidnapped and disappears inside the most elaborate prison ever built, entirely computerized and constantly changing shape, Ray must track him down with the help of some of his former friends.
Following the discovery of a new form of space travel as well as Meg's father's disappearance, she, her brother, and her friend must join three magical beings – Mrs. Whatsit, Mrs. Who, and Mrs. Which – to travel across the universe to rescue him from a terrible evil.
Now a hard-working life insurance salesman and a caring family man, the former police officer, Michael MacCauley, has taken the commuter rail to New York for the past ten years. But, unexpectedly, things will take a turn for the worse, when on one of his daily journeys, the cryptic passenger, Joanna, makes Michael a generous and tempting offer to locate a single commuter or face grave consequences. Is this a sick joke, or is this indeed a serious situation? As Michael races against the clock to solve this wicked conundrum, everyone aboard is a suspect, in a deal where there's definitely more than meets the eye. Can he decide in time who's the one?
Detectives Sean and David Carter are on the case, to hunt down a gruesome serial killer terrorising the city. Joining forces with Detective Christine Egerton, they dig deeper into a spiralling maze of horror that may not be of this world. Could the judgement awaiting the killer's victims also be waiting for Sean?
Mike Fallon, the Accident Man, is a stone cold killer whose methodical hits baffle the police and delight his clients. He is the best at what he does. But when a loved one is dragged into the London underworld and murdered by his own crew, Fallon is forced to rip apart the life he knew in order to hold those accountable and avenge the one person who actually meant something to him.


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- Snow Reports
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Season Start/End: 22/12/2018 - 19/04/2019
|1100m - 2620m
|11%|44%| 42%| 4%
Lift Tickets:
|from €28.10 to €36.70
Complete list of skipass prices
The resort of La Toussuire is a small town in the Sybelles area of the Alps. The resort welcomes skiers of all abilities and is well adapted for families. The La Toussuire ski area has 310km of linked ski runs offering fantastic 360 ° panoramic views and alot of sun. All skiers can rejoice whilst improving their technique, taking in the beautiful scenery and generally having fun with family or friends. Make the most out of being surrounded by professional mountaineers, skiers and snowboarders or profit from the sheer vastness of the area. Here it's all about discovery, taste the fresh snow snowboarding, skiing, ski touring, extreme skiing, powder skiing, fun skiing, ski mountaineering or enjoying the après ski on the sun soaked terraces. Skiing in La Toussuire, you can have some fun while testing out the snow park in Ouillon, accessible on the Sybelles pass: 1 boarder cross, 8 blue features, 6 red and 6 black in the Arva Park. There is life without skiing as well! In La Toussuire fly through the air (paragliding, speed riding, private small plane flights and trampolining), become a musher (initiation to dog sledding, explore the area), snow mobiling and ice skating; the choice is yours! And for those for whom a holiday is synonymous with "relaxation", La Toussuire is full of goodies: Sunbathing on the mountain terraces, lazing in the Jacuzzi whilst taking in the view, shopping on the snowy white roads which are pedestrianized and full of life, read your favourite new book whilst breathing the clean mountain air or learn about the local Baroque art. For the kids, the child care centre in La Toussuire called "La Ruche" offers different groups depending on age: - A day-care for children ages 6 months to 3 years - A kid's club from 3 years old. (There are several different options: 1 / 2 day, day or week, with or without meals) The local ski schools (ESF ESI) have their own snow gardens (the "Snowman", the "Piwi Piwi-" and the "Beaver Club" to introduce youngsters to the joys of skiing. In the evening, join in singing the traditional songs, tobogganing or skiing under the stars. Warm up with a good hot chocolate or a glass of local Savoyard wine. Taste the regional specialties, dance, sing, play and make your eyes sparkle with joy all in La Toussuire.
Beginner Runs
Intermediate Runs
Advanced Runs
Expert Runs
KM Pistes
55 km
Terrain Parks
KM Night Skiing
0.5 km
Longest Run
5 km
Skiable Terrain
150 ha
Snow Making
55 ha
KM Snow Making
45 km
La Toussuire
Place Olympique
Phone: +33 (0)4 79 83 06 06
Phone: +33 (0)4 79 56 75 12