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What's happening?
Currently, the state pension has two components – the basic state pension and an additional earnings-related top-up (called the state second pension). Where an employer provides membership of an occupational pension scheme that meets certain minimum requirements, they can contract members out of earning the state second pension. In return, employers and members pay lower National Insurance contributions ("NICs") than the standard rates.
From April 2016, a new single tier state pension is being introduced, which will no longer be separated into basic and additional pension components. As there will no longer be a separate state second pension, contracting-out will cease to be an option, and employers and employees will start to pay standard rate NICs.
Contracted-out pension rights accrued prior to April 2016, including guaranteed minimum pensions ("GMPs"), will remain in existence and subject to rules that are broadly equivalent to those that apply currently to contracted-out rights. However, the position under scheme rules will need to be checked to avoid any unintended changes.
Issues arising for schemes
The abolition of contracting-out creates a number of issues for schemes, in particular for those schemes which are currently contracted-out and remain open to benefit accrual. If they have not already, trustees and employers should start considering what actions they need to take as a result. Rule amendments may be necessary for some purposes.
Rule amendments that may be necessary
GMP revaluation for members remaining in pension- able service following abolition
Currently, the contracting-out legislation provides that while a member remains in contracted-out service, his or her accrued GMP must be revalued each year by the rate specified in an order made for that year under s148 Social Security Administration Act 1992. (This is known as "s148 revaluation".) However, where a member ceases contracted-out service prior to GMP age, the scheme has a choice: it can either continue to apply s148 revaluation or it can switch to revaluation by a fixed annual percentage which will remain unchanged until the member's GMP starts (known as "fixed rate revaluation").
From 6 April 2016, the contracting-out legislation will be changed for members whose contracted-out service ends on that date solely because contracting-out is being abolished, but who remain active members of the scheme. For them:
- legislation will require s148 revaluation to continue until the member actually leaves pensionable service, and
- any switch to fixed rate revaluation can occur only when the member's pensionable service ends.
This change to the law creates a potential problem for schemes if:
- they are contracted-out;
- on 6 April 2016 they still have active members with accrued GMPs;
- they revalue deferred members' GMPs on the fixed rate basis; and
- their rules reflect the current statutory require- ments about when fixed rate revaluation starts. (In our experience, most schemes' rules do.)
This is because, in those cases, the scheme rules will effectively provide for those members' GMPs to be revalued on the fixed rate basis starting from 6 April 2016 (because that is when their contracted-out service ends), while legislation will require the same GMPs to be revalued on the s148 basis until the member eventually leaves pensionable service. In effect, there could be double-counting for the period from 6 April 2016 until the member leaves pension- able service, with members being entitled to whichever of fixed rate revaluation and s148 revaluation gives them the bigger benefit.
Schemes in that position should therefore amend their rules to ensure that the rules reflect only the new statutory provisions for those members who leave service after 6 April 2016 to avoid giving those members an unintended windfall.
Some schemes may be able to make those amendments using their own amendment power, but others will not. All schemes are therefore being given a new statutory power, exercisable by trustees, from 6 April 2016 to change their rules to ensure that only the new statutory GMP revaluation rules apply to members leaving service on or after 6 April 2016. The power will be exercisable by trustee resolution, and must be exercised no later than 5 April 2017. But if amend- ments are made by then, they can operate with retrospective effect from 6 April 2016: in other words, trustees of affected schemes will have a year to align the relevant scheme rules with the new legislation and stop the double-counting issue arising.
State pension offsets
Some scheme rules provide for pensions paid to members retiring before state pension age to be reduced by some fraction of the basic state pension at state pension age. Others include a definition of pensionable earnings that applies a deduction based on some element of the state pension.
Despite the forthcoming changes to the state pension, legislation will still define the basic state pension as pre-April 2016 retirees will continue to receive one. Scheme rules in that form will still have a clear meaning so long as the reduction or offset is defined by reference to the statutory concept alone.
However, some schemes go further than that and define the amount of the reduction/offset by reference to the basic/additional state pension that the specific member actually receives. These relatively rare schemes will have an issue for members who reach state pension age after 5 April 2016, because those members will receive the new single tier pension, possibly leaving it unclear how the relevant benefit should be calculated. Schemes in this position may wish to take advice on how their rules will operate after 5 April 2016 and on whether they should be amended to hardcode an agreed deduction or to adjust the definition of the amount to be offset appropriately.
(Scheme rules that refer to the reference scheme test
Some schemes' rules contain a so-called reference scheme underpin, in other words a rule saying that some (or all) benefits will be no less than would have been provided by the notional "reference scheme" described in s12B Pension Schemes Act 1993. Although s12B is being repealed, legislation says that it will continue to have effect indefinitely in relation to schemes which contain a reference scheme underpin and in relation to the period of contracted-out employment.
The position in relation to service from 6 April 2016 is less clear, and whether the underpin continues to apply to that service may not be obvious, and is likely to depend in any case on exactly how the scheme rules are worded.
Another issue which may not be clear is whether the earnings to be taken into account in applying the reference scheme underpin are to be calculated as at the point when pensionable service ends, or as at the point when contracting-out ends on 6 April 2016. The contracting-out legislation itself does not require the test to be applied as at the point pensionable service ends, so – subject to the scheme's amendment power – it may be possible to amend scheme rules so that the underpin applies by reference to salary when contract- ing-out ends.
Schemes with a reference scheme underpin rule should consider whether they wish to amend their rules before 6 April 2016 in order to achieve clarity on how the underpin will work going forwards.
Employer amendments to the scheme
Employers sponsoring schemes that were contracted- out until April 2016 have a statutory power to amend their scheme unilaterally to offset the cost of the increased employer NICs by:
- reducing future benefit accrual; or
- increasing member contributions; or
- a mixture of both.
The statutory power overrides any consent require- ments in the scheme documentation and any restrictions that would otherwise prevent such amendments being made. It cannot be used to make changes that are greater than is required to recoup the increased employer NICs liability.
Schemes which remain open to accrual will need to establish what changes, if any, the scheme employer wishes to make to recoup the increase in NICs. Some employers may wish to make changes using the scheme amendment power rather than the statutory power, which would usually require trustee consent.
Other issues
Transfers of contracted-out rights that include a GMP
Current contracting-out legislation generally requires schemes to apply the same GMP revaluation rate for all deferred members. However, there is an exception where a scheme accepts a transfer-in of contracted- out rights that include a GMP, the scheme can choose to apply the same revaluation rate as was applied to the benefits under the transferring scheme (even if the receiving scheme applies a different rate to other members' GMPs).
However, the legislative provisions that create this exception are replaced from 6 April 2016 by a new provision that only applies to transfers to a scheme which was contracted-out at the time of the transfer. Therefore, as no schemes will be contracted-out from 6 April 2016, schemes will no longer be able to con- tinue to apply the GMP revaluation rate used by the transferring scheme for post-5 April 2016 transfers-in of contracted-out rights that include a GMP.
Unfortunately, there is no way of resolving this issue schemes will need to update their processes accord- ingly unless the legislation is changed. This point has been raised with the Government, but there is no information as yet about whether the Government is likely to correct the position.
Commutation of GMPs
Under current contracting-out legislation, a GMP can be paid as a lump sum in certain circumstances, including where it would qualify as one of various specified commutation lump sums for tax purposes. However, this option is available before the member reaches GMP age only if:
- the scheme uses the fixed rate method to revalue GMPs in deferment; and
- for the purpose of deciding whether the member's benefits are within HMRC trivial commutation limits, the scheme assumes that the member's current pension includes the GMP that the member would get with fixed rate revaluation all the way up to GMP age.
The legislation that will apply from 6 April 2016 seeks to replicate these provisions, but it omits the wording that says that the notional revaluation requirement applies only for the purpose of testing the member's pension against trivial commutation limits. This will make it easier for members to argue in future that the notional revaluation requirement should also be factored in when determining the lump sums actually paid out on trivial commutation, increasing the lump sums to which they are entitled.
We doubt that the Government meant this minor change to the wording to affect the meaning of the regulations one way or the other, but we are awaiting clarification from the Government. In the mean time, where schemes offer a trivial commutation option before GMP age and currently assume that notional revaluation is required only in applying the HMRC tests, they may wish to consider whether to adopt different factors in light of the changed statutory wording, or whether to stick with their past approach despite the rather higher risk that a court will decide against it.
GMP reconciliation
Schemes holding GMPs are encouraged to reconcile the data that they hold on members' GMP entitlements with HMRC's records in order to avoid disputes later. To do this, schemes must register with HMRC's Scheme Reconciliation Service by 5 April 2016. There will often be discrepancies between the scheme's data and that held by HMRC. The question then arises as to how far schemes must go to reconcile their data with HMRC's records.
The theoretical legal position is that trustees are obliged to pay the benefits determined by the scheme rules and legislation. On the face of it, with full scheme records, it should be possible to establish what the right benefit is, and to reconcile scheme data with HMRC's data on that basis. Schemes cannot, as a matter of law, just decide to pay incorrect benefits.
In some cases, the scheme's data will be correct, while in others, HMRC's records will be accurate. If no reconciliation exercise is carried out therefore, members may well receive conflicting information on their GMP entitlements which may in turn lead to disputes.
Notifying members of the cessation of contracting-out
Schemes are required to notify members if the scheme ceases to be contracted-out within three months of the cessation date. Schemes that are currently con- tracted-out and remain open to accrual should therefore ensure that they notify their active members of the cessation of contracting-out by 5 July 2016.

subset: commoncrawl


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The Social Analytics and Technologies group focuses its research on people-centric networks, especially those with a significant impact on business. Our goal is to help businesses increase and improve collaboration and engagement. We do this through innovations that use analytics and artificial intelligence to build capabilities such as: personalized and contextual prioritization, discovery, summarization and recommendation services, enterprise personal assistant solutions, user profiles with embedded network analytics platforms, and more.
Our areas of expertise span social collaboration in the enterprise, using systems such as enterprise social networking, email, chat and personal assistants / bots, to the domains of HR, healthcare and DevOps.
We employ technologies such as Big Data analytics, search systems and graph technologies, and research algorithmic domains such as information retrieval, graphs and network analysis, machine learning, topic extraction, recommender systems, and summarization.
Personal Assistants in the Enterprise
Our Personal Collaboration Assistant (PCA) is a unique cognitive personal assistant that learns your preferences and work habits, and then proactively applies this knowledge to help you get your job done better and faster.
The PCA is designed to help employees deal with the increasing amounts of data and multiple tasks at work; it prepares the employee ahead of the work day, helps prepare for meetings, and generates customized summaries of conversations, messages, and meetings.
Enterprise Social Network Analytics
We research and develop AI algorithms for graph-based Big Data algorithms over information from enterprise social media, email, and chat platforms. Our tools guide employees throughout their engagement with personalized insights and recommendations based on their social personas. Our analytics also help enterprises in attrition risk managements, reorganization, and more.
Our research combines practices from Human Computer Interaction (HCI), computer science, and sociology.
Social Search and Recommendation
Social media platforms are popular in many enterprises, enabling employees to contribute, interact, and collaborate. Paradoxically, although these platforms provide new and valuable user-generated content such as blogs, wikis, email, and chat, they can also lead to overload. Employees are more frequently distracted and need guidance to identify what to focus on, and what is of interest and importance.
We use this rich social media content, leveraging the connections and relationships between people and content, to research and develop advanced use cases such as social network extraction, social search, expertise identification, social recommender systems of people and content, summarization, and more.


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Milberg's Case For Kickbacks
When class-action law firm Milberg Weiss LLP was indicted last year on charges of paying kickbacks to clients, schadenfreude spread through corporations that had long been targets of its suits. Recently, though, some class-action experts have been asking: Are payments to clients really so bad?
This theme may get an airing Monday at a hearing in Los Angeles, where the defendants are expected to argue, among other things, that no one was harmed by their alleged behavior. The hearing concerns the defendants' requests to dismiss...


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This year, we will be assigning weekly Sumdog homework for math. Each week, students will be given two assignments on the program. Students should be familiar with their logins and how to navigate the site. We have learned that students love to do homework in this fashion, and that's why we have chosen this route. If you do not have internet at home, please inform us, and we will provide your student with a paper alternative assignment. It should take students about 20-30 minutes at most to complete each assignment, and they will be open from Monday afternoon until Friday at 8:00 am.
In addition to our Sumdog assignments, students are expected to read for twenty minutes per night. Depending on your child's needs and/or teacher expectations, students will, at times, be allowed to choose a book of their own or a book will be assigned to students for reading. A reading log will be sent home with students each week that needs to be signed by a parent nightly with the amount of time read also filled in. If your child needs to borrow a book from our class, please let us know, and we would be more than happy to accommodate this!
Basic math fact memorization is imperative to student success in third grade math and for the future. Each week, students will participate in a timed quiz for multiplication. This is to ensure fact mastery. We ask that students practice their individualized fact throughout the week at home.
We expect our students to give their very best effort on their homework. We expect homework to be neat; our students will be required to do assignments over if homework does not meet these standards, and most importantly, we expect students to do the work on their own. Parents should help their children with homework if a problem arises, but only after children have tried their best to solve it on their own. In no case, however, should parents do homework for their children. We believe in each and every student!
If students still choose not to complete their homework, they also choose to lose certain privileges in the classroom as well as it will affect their grade for "completing homework" on report cards.
If there is a legitimate reason why a student is not able to finish homework, please send a note to us on the day the homework is due stating the reason it was not completed. We strongly believe that positive interactions and time for children to unwind and relax at home is very important. This is why we have limited but meaningful homework. We realize that things do come up during the year.
Thank you, parents, for all your support!


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- Sailboats up to 20ft LOA
- Sailboats 20-40ft LOA
- Sailboats 40-60ft LOA
- Sailboats 60-80ft LOA
- Sailboats 80-100ft LOA
- Sailboats over 100ft LOA
- Meter Classes
- Production Boats
- Power Boats up to 50ft LOA
- Motoryachts 50-100ft LOA
- Motoryachts over 100ft LOA
- Motorsailers
- Conceptual Designs
- Commercial and Military Vessels
- Return to Home Page
Thursday, September 16, 2010
Skylark - Design 146
Here's a nice shot of Skylark, design 146, that I took today. The boat is absolutely mint. I don't know whether to say thanks or congratulations to the owner. The boat is currently for sale (and race ready) as he owns another fine classic S&S boat, Sonny. I think he restored the boat just to preserve the heritage of this fine yacht. (So thank you).
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Tag: win
Michael Bevan Memorabilia
6 November 2013
Michael Bevan Memorabilia Signed and professional mounted Michael Bevan – A One Day Cricket Maestro. Celebration of a champion – 100 not out. Australia V West Indies One Day International SCG 1st January 1996. Australia required four runs to win. Michael Bevan hit a 4 off the final ball. Does not come with Certificate of Authenticity. Size approx.:... Read more
Bohemia Glasses & Decanter
12 November 2012
Bohemia Glasses & Decanter Bohemia lead crystal. Made in Czechoslovakia. 5 whit... Read more
Swinnertons Jug
16 April 2012
Swinnertons Jug Swimmertons – Staffordshire England, jug with pretty flower motif... Read more
50s Wine Glasses
29 March 2012
50s Wine Glasses 6 x C1950s wine glasses. Colours; green, blue, red, yellow, lemon & pink.&... Read more


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Access Counselling Clinic provides professional and confidential counselling. We also provide a low cost counselling service. Emergencies can be seen within 24 hours Mon-Fri You can make an appointment by calling us on 01 5240708 or click here to book a counselling appointment.
Day or evening-time appointments are available from 9am until 9pm Mon-Frid, or 9am-3pm Saturdays.
Low cost counselling: Low cost sessions are available at 20 euro for unemployed with proof and be available for sessions between 9am and 4pm. When calling please notify the secretary that you are enquiring about our low cost service.
Normal cost is 60 euro for a fully accredited psychotherapist. We also offer a sliding scale if you are in financial difficulty.
Call us on 01 5240708 to enquire about an appointment or apply online using our online enquiry form or email us on email@example.com.


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Book your dream vacation today. Check out overview in our calendar here.
Atmosphere by the waterWith mirror waters just a few meters from the stairs, you hear the sound of waves lapping against the shore. If you select Fjällripan Lodge, the village center is within walking distance and you'll get the whole mountain lake as an inviting bathtub, yet only 350 meters from the slopes.
A boat trip across the water on a quiet evening, a lecture in the conference room or why not dip the hook in the pond to catch dinner? Fjällripan Lodge has, in addition to its location, many activities to offer, and after an active day of skiing, downhill, scooter, or bear safari, we recommend relaxation in the Spa.
Fjällripan Lodge offers an atmosphere that invites interaction. The larger houses can easily make room for several families simultaneously. If you prefer a smaller sized accommodation, we recommend any of the four log cabins down in the courtyard. Whichever you choose, we do everything in our power to ensure your experience will be as rich as possible.


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Coastguard Dunedin was officially started when concerned locals formed a group known as Harbour Rescue Inc in early 2006.
We became a part of Coastguard New Zealand on 25th March 2006 when we were officially launched as Coastguard Dunedin with our first Coastguard Rescue Vessel, a 6.8m Naiad on loan from Coastguard New Zealand.
We purchased our 8.5m Protector second hand from Coastguard Waihi Beach in 2012.
Our current major project is to work with our local boating club on a joint building project as we currently operate from the workshop of one of our volunteers and the Portobello fire station hall.
Visit our About Us section for more information on our unit's Vessel, Sponsors and how you can Contact Us.
|Legal Name
|Coastguard Dunedin Inc
|Charity Number
Have fun raising money for your local Coastguard crew!I want to fundraise
Support the Coastguard and our volunteers in their mission of 'saving lives at sea', and get benefits at the same time.Find out how to become a member
Increase your knowledge and confidence by completing a boating course.Book a boating course
Click on the map and choose from the list below (full NZ location map pdf here).


text: Form+Theme+Context™ (FTC) is a balanced approach to exploring the form + theme + context of an artwork (as well as other phenomena) for deeper understanding. It is an easily accessible methodology that helps individuals create as well as understand complex layers of meaning in visual language while developing higher-order thinking skills and delving into deeper interdisciplinary engagement. FTC provides universal access to visual and artistic literacy, which results in deeper engagement through balanced seeing.


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Like Father Like Daughter
Jan. 29, 2009
By Amy Farnum Novin
Charlie Simonds knew his daughter Kelsey was a pretty good basketball player at a very young age, but it took few years before even he realized how much potential she had.
Kelsey, a redshirt junior on the Stonehill College women's basketball squad, inherited her basketball instincts from her father, a member of the school's Hall of Fame, who scored 1,011 points during his career.
The 6-3 junior forward was not only graced with her father's good basketball genes, but Charlie also coached her for several years in AAU, sharing his knowledge of the game along the way.
"He gave me a really good sense of what the game is about, and I think because of that I have good court sense and awareness on the floor," said Kelsey. "I think I'm a smarter player because of him."
As she developed, it became obvious that Kelsey would have shot to play college basketball, but she never realized the perfect fit of a school was sitting right in her back yard.
Growing up in Middleboro, Mass., about 20 miles from the Stonehill College campus, Kelsey was all too familiar with the school located in Easton, Mass. Not only had her father attended the school, but her AAU team held practices on campus over the years.
Kelsey was recruited by several schools – Division I and II programs – but after going through the process, she recognized that Stonehill was the best place for her.
"I never thought of going to Stonehill," said Kelsey. "It was always just a school nearby. In high school, I realized it was the perfect place, and I thought it was awesome that my dad went there. We even wear the same number (No. 22). I feel comfortable there, and it's a great tradition."
Charlie allowed Kelsey to make her own decision on a college, but did point out that she had to really like the school in case her basketball career ended abruptly.
"I think (going to Stonehill) was always in the back of his mind, but he wanted me to make my own choice and just stood back and watched," said Kelsey. "I think that was so important and I respect him a lot for that because he didn't push any school either way – it was my decision. When I told him it was Stonehill, I know he was excited."
Kelsey made an immediate impact for the Skyhawks, earning Northeast-10 Freshman of the Year during her rookie season in 2005-06, while enjoying a large support system with her parents and five siblings frequently attending games.
"She has a phenomenal ability to score and stepped right into a role that we really needed at the time when she started as a freshman," said head coach Trisha Brown. "We had a pretty talented team, but not a lot of height in the post at that time. Her skill level was really advanced for a freshman."
At the end of the year, however, Kelsey broke her foot and then broke it again before what should have been her sophomore season. Charlie still never missed a game despite Kelsey's absence on the court, and the support of her family nearby helped get her through the tough year.
Kelsey resumed playing in 2007-08, garnering first-team All-Northeast-10 honors as she scored in double figures in all but two games. She has picked up right where she left off last year, leading the team with 15.8 points per game. A few weeks ago against Dominican, Kelsey eclipsed the 1,000-point milestone, and then surpassed her father's career total of 1,011 points – something she and her dad joke about.
"I don't think Kelsey has felt any pressure to live up to her dad's standards as a Hall of Fame player," said Brown. "She's her own kid, and is just so humble. It's not about awards – she's so unselfish and is such a team player."
After Stonehill suffered a minor setback with two losses in seven days two weeks ago, the Brown has had the team focus on becoming a better defensive team and the result has been two games of holding opponents to 55 points or under, and a quadruple-overtime 87-82 victory over Bentley on Jan. 28.
"We have the ability to score points and we have a lot of talented scorers, and certainly Kelsey in the middle opens so much up for us scoring-wise," said Brown. "We just need to continue to build our defensive strengths."
Kelsey scored 30 points, grabbed 16 rebounds and swatted a career-high seven blocked shots in the Skyhawks third straight NE-10 win versus Bentley. Simonds has led the team in rebounds in each of the last three games, and paces the team with 9.2 per game.
Stonehill will enjoy the weekend off following the epic battle against Bentley, and return to the court on Feb. 4 at Franklin Pierce and there's a pretty good chance Charlie Simonds will be watching.


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The life and controversial death of Vincent Van Gogh is told by his paintings and by the characters that inhabit them in this film, the first ever to be animated using oil paintings. The intrigue unfolds through dramatic reconstructions of the events leading up to his death.


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UzhNU is the 17th best in the ranking of Ukrainian universities according to Webometrics
Students without borders
Have any questions, proposals or concerns?
If you have business inquiries or other questions, please fill out the following form to contact us. Thank you.
Uzhhorod National University is one of the traditional universities of Ukraine accredited by the IV (highest) level of accreditation (certificate series RD - IV №0753932).
Rector – MD, Professor.;Vladimir Smolanka.


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Society has intermingled itself with a digital world, an alternate reality even. We are so engulfed into social media and the internet world that it becomes more of a reality to us than virtual.
There are thousands of social media websites and millions of accounts. There are also tons of ways one can make money on the internet. In fact, the internet is the biggest market today and it is forever growing. The internet will never go away either, so there are constant supply and demand. However, speaking of making money through the internet, bitcoin is taking the virtual finance world by storm.
Bitcoin is a digital currency in which encryption techniques are used to regulate the generation of units of currency and verify the transfer of funds. Bitcoin is independently operated by a central bank. Essentially, bitcoin is internet money – much like PayPal or google wallet. Bitcoin has been around for several years now, and new studies show that if you were to invest $100 dollars in bitcoin back in 2010, you would be worth over $72 Million dollars today. Interesting right?
The world of the internet is fantastic and vast. Bitcoin was launched in 2009 and the company relies on cryptography. May 22 marks the seven year anniversary of Bitcoin Pizza Day. Bitcoin pizza day was brought to Florida by programmer Laszlo Hanyecz when he used bitcoin to indirectly buy two pizzas from Papa Johns. This set him back 10,000 bitcoins. However, through all the years the currency has skyrocketed. For the pizza order, he calculated one bitcoin to be equivalent to 0.003 cents. However, bitcoin was then taken up by some major companies and approved as an actual form of currency. Companies like WikiLeaks, Zynga, and Dell have taken up the currency.
Right now one bitcoin is worth around 2,300.00, while gold is only worth 1,253.60. Gold is considered to be one of the most stable forms of currencies, but if bitcoin can gain some stability it may be a good competitor to gold. The point of the matter is, if you'd invested in bitcoin from the start, it would have paid off extremely well.


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Another lovely dish with an Asian twist. The orange zest and mint gives it a surprising and fresh flavor. "Brilliant" according to a Chef friend of mine.
- 3 zucchinis, peeled and spiralized with the largest (fettuccine) setting
- 1/2 tablespoon salt
Toss zucchinis in salt and let sit in a colander for a few minutes to allow the excess liquid to drain.
- 1 cup snowpeas, finely julienned
- 1 cup carrots, sliced diagonally
- 1 cup red pepper, julienned
- 1 cup nappa cabbage, sliced finely
- 1 cup small broccoli florets
- 1/4 cup green onion, sliced
Ginger Orange Sauce
- 2 tablespoons Nama Shoyu or tamari
- 2 tablespoons water
- 1 1/2 tablespoons raw sesame oil
- 1 tablespoon cold pressed olive oil
- 1 tablespoon honey
- 2 teaspoons fresh ginger root, grated
- 2 teaspoons orange zest
- 3/4 teaspoon hot red pepper flakes
- 2 tablespoons fresh cilantro, minced
- 2 tablespoons fresh mint (optional)
Blend all but cilantro in a high-power blender such as the Omni V 3HP blender until smooth.
In a large bowl, toss veggies in sauce. Cover with a plate and 'stir-dry' in the dehydrator for a couple of hours.
Just before serving, add pasta and mix well.
Variation: For a different texture, you can also toss the pasta along with the veggies and sauce prior to putting in the D. It will give the noodles a slightly cooked look, as shown above.


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The next Steven Zellmer Trombone Competition will be held on June 2, 2017 at MacPhail Center for Music, 501 South Second Street, Minneapolis MN 55401. We look forward to hearing your recordings in the Spring of 2017. Good Luck!
Eligibility Requirements
To be eligible, you MUST be born after January 1, 1990 and not be under full-time contract with a professional orchestra or band. Previous Grand Prize winners are ineligible.
Entrance Package
Applicants must submit the following:
1. A completed Application Form
2. A one-page resume detailing education and performance experience.
3. A non-refundable entry fee of $50.00. Make check payable to Steven Zellmer Trombone Competition.
4. A CD of the literature specified on the Preliminary Audition Repertoire page.
CD Specifications
The name, address, phone number, and email address of the applicant must be included on the CD case, but nothing may be written on the CD itself. In addition, your audition CD:
The use of high quality recording equipment is strongly recommended.
Three judges from the Minnesota Orchestra brass section will decide both the Preliminary and Final Rounds. Judging of the Preliminary Round will be completed without the judges knowing the identity of the contestants. Decisions will be based solely on the performances contained on the audition CD's. Judging of the Final
Round will be based exclusively on Final Round performances. The judges reserve the right to not name a winner in this competition or split the prize money among any number of finalists.


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For weeks now, I've been discouraged by my five-year attempt to grow long hair. I'd finally grown out the bangs and gotten it long enough to do pretty much whatever I wanted--wear it down, in braids, or in dressy up-do's. I'd gotten where I'd tried to go, but ugh! My hair refused to be the lush long locks I had envisioned when I decided I'd grow it out come hell or old age. Thin, graying, thin, and flat w/out tons of hair stuff, (did I mention thin?) and just generally dismal. I'd fought the urge to chop, every day for at least a week, talking myself down from the ledge and putting it up in clips to get it off my face.
Yesterday, I snapped. Driving home from the doctors appointment, I pulled into a little salon, aptly named: Hair Salon; Open. Seriously. To be honest, I had put in a call to a good friend to ask for a recommendation, but she didn't answer and I was ready to do it NOW before I chickened out. It's only hair, right? It'll grow back.
So in I go to Yolanda's Hair Salon. The lack of cars out front did not deter me. Behind the desk was this tiny, elderly Hispanic lady. Presumably Yolanda herself. I told her I was ready to have an actual hairstyle, asked to peruse her hairstyle magazines. She barely spoke English, but reassured me that I could take all the time I needed. I went through an old issue of Hairstyle Quarterly, or some such 'zine, and after maybe 6 & a half minutes, had made my decision. I'd have a longish shag, reminiscent of the 70's.
If there was an Olympic Event for Patience with a Salon Client, Yolanda would wear the gold. She started w/ bangs, began to layer, all the while murmuring in her broken and sometimes incomprehensible English, that short is MUCH better for "teen" hair. Since I'm 47 yrs old, I can only assume she was saying 'thin'. After a half inch here, a half inch there, she'd hand me the mirror and ask me to see. I'd say, "No, shorter. Less bulk here, and more volume there." She had managed nicely to approximate the look I'd asked for, especially since the model in the magazine was a gorgeous young blond and I'm a somewhat faded middle aged pale brown...but looking backward in the mirror, I could see that what I'd managed to do was find that very haircut that I'd fought against for YEARS.
See, to me, cutting your hair because "older women shouldn't try to wear their hair long" is bullshit. I LOVE to see long hair on old women. It's like a celebration of the crone, a victory that says "I am still a woman, no matter how gray and wrinkled I become." To cut my hair was to concede to a "Should" and I resisted in the name of aging women everywhere. But here I was, looking at that Compromise that middle-aged women can fall into, afraid of the really short hair because we're convinced that it's only for
a. Adorable toddlers,
b. Waif-like super-models or
c. Elderly Ladies w/ blue permanent curls.
The Compromise, while not ugly--indeed my hair actually has soft waves when it's not weighed down--made me feel more depressed than the original straggly longish un-style I'd walked in with. At least then I was a rebel. Now I was a Conformist. Oh no. This would never do.
"Okay, Yolanda, don't be mad, but let's try this one instead." I turned the magazine to a style I'd seen (and longed for) earlier, but hadn't had the guts to try. "This one...only a little whispier around the face. Whispier proved to be problematic English, but we got through it. Only she didn't believe me about the really short style, because it took another half hour to get her to really start CHOPPING. When I felt actual chunks of hair falling down, I said "There you go! NOW you're doing it!" She laughed and said "Djou reelly are reddy!"
I really was ready! The finished results look a little like this, only softer, not spiky, in a mousy brown instead of the hot auburn, and on a much plainer me instead of this beautiful lady. But when I left the salon, I floated, head up, feeling the breeze on my newly liberated nape. I think I was taller, too.
When the hubby saw it, he reminded me that my hair was even shorter than this when he met me and we fell in love. I bet butterflies feel this way when they finally get out of the cocoon.
Edited to add: Pictures. Please note--I had no makeup, it'd been a long and breezy day and I hadn't actually BRUSHED my hair all day. But we had beers, a camera, and he'd been teasing me about how different I looked. So...pics of the 'do.
(Click on the pic to enlarge, and use the Back button to return. I'd advise against enlarging, but there y'go. :~)


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Fishing factory ship
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text:
Amar has a flair to look into the future. He joined Ceipal in 2011, where he was tasked with building an internal database of the most sought-after profiles in the market. Little did anyone realize, that this database would evolve into one of the most versatile and efficient HCM systems available on the market today. From a team of three to a proud 96, Ceipal has managed to make its mark in the HCM market. Amar, known for his congenial demeanor, he has and is playing a key role in molding Ceipal to its full potential.
"We do not wait for the 'right' opportunities, we create them!"
Subhash has a wealth of diverse industry experiences starting with the Corporate Sales & Marketing departments of Bharti Airtel, India's largest Telecom giant, as part of their coveted "Young Leaders" program. He then worked as the Business Head of MySmartprice.com, an e-commerce startup in the price comparison space. Moving onto the hospitality Industry, Subhash worked with OYO Rooms, India's largest chain of branded hotels, to help them setup their Flagship Hotels Business from scratch.
Subhash joined CEIPAL in early 2017 as Vice President – Sales, Strategy & Operations. He is currently running the show from our Indian RND office. He is driving Ceipal to evolve into the Global market segment leader in the HCM solutions space. Full of the enterprising spirit, Subhash is inculcating the same spirit within his team, molding them into future go-getters. Shouldering the responsibility of taking CEIPAL to the next level, the team under his tutelage is the taking the challenge head-on.
Born and raised in Hyderabad, India, Subhash went on to complete his undergrad from the prestigious IIT (Indian Institute of Technology), Kharagpur. Adding management expertise to his engineering aptitude, He completed his MBA from the country's most illustrious management institute, IIM Ahmedabad.
Graduate of IIT (Kharagpur), IIM-A
Ryan Metzler is Vice President of Strategic Alliances, responsible for managing channel partnerships, enterprise sales, and business development initiatives for Talenthire and Workforce product lines. Metzler has over fifteen years of leadership, sales, and technology based experience working for companies ForumLogix, Boardroom Development Partners, IAC/InterActiveCorp, Net@Work, Inc. Metzler studied business administration and marketing at SUNY Oswego.
Rochester native Robert J. Duffy began as Greater Rochester Chamber of Commerce president and Chief Executive Officer January 1, 2015. Prior to working for Rochester Chamber, Duffy served as New York lieutenant governor in Governor Andrew Cuomo's administration from January 2011 to December 2014. Duffy previously served as Rochester mayor from January 2006 to January 2011 and as Rochester police chief from March 1998 to April 2005, when he resigned his post to run for mayor. He joined the Rochester Police Department in November 1976.
Duffy also serves on a variety of boards, including SUNY Board of Trustees, Chairman of the AIM Photonics Leadership Council, Center for Governmental Research, Business Council of New York State, AVANGRID, and Visit Rochester.
Dr. Singh, a PhD graduate of the Massachusetts Institute of Technology - Sloan School of Management, Marketing/Marketing Management, General, is Co-Trustee & Director of the Centre for Entrepreneurial Excellence (CEE). CEE is committed to building an ecosystem of skilled resources through education, employability and entrepreneurship.
Singh is also Director of the Digital Leadership Institute (India). They are a Google Partner and leader in Digital Training and Certification with 100% Placement Support. They are the only Institute in India to provide training in 7+ regional languages.
Additionally, Dr. Singh is Founder & Chief Marketing - Unspun Consulting Group (UCG) Whose mission is to help effectively bridge branding, marketing, business strategy and execution requirements gaps for start-ups to help them grow.
Other notable accomplishments included working in Marketing for Red Hat where she was a part of the India leadership team and responsible for executing the company's marketing strategy across the region to achieve the marketing and business objectives of the organization.
The National Association of Software and Services Companies (Nasscom) has appointed entrepreneur and angel investor Somdutta Singh as co-chair of its Product Council for 2017. With this appointment, Singh has become the first woman to head this role. An entrepreneur and angel investor for over a decade, Singh has also been a mentor at Microsoft and Target Accelerator.
Sameer started out with a passion to build technology products for small and medium scaled businesses . With time, it turned into a driving force to build as well as help create products as an investor that held the potential to disrupt the conventional market trends.
His entrepreneurial stint started with Avani Technology Solutions Inc. It had been recognized as one of the Inc.500 fastest growing private companies in America for three straight years in a row. It was while heading Avani, that he found he could play a vital role in helping create more streamlined yet unconventional solutions in the HRMS space through investing. Hence, Nigama Ventures was born.
When came across an opportunity to being a part of bringing into existence an intuitive and innovative product that could very well change the HR space, he could not resist the calling and took the plunge. And CEIPAL was born with Sameer as the principal investor. The team's flagship product, CEIPAL TalentHire, went on to become and still is a successful integrated HR solutions platform for talent hiring.
'Infyx Solutions` is the latest offering of Nigama Ventures, which will brought to the fore in the near future. And true to his nature, this set-up also has the potential to revolutionize the PR industry through automation of Marketing, Branding and Social Intelligence.
Other investments that he has dwelled into includes a prime real estate property categorized as class 'A' commercial business park in Rochester, NY- Avani Business Park."
Code is a Founder and Managing Director of Mistral Venture Partners - an
early stage venture capital firm with offices in Ottawa, Ontario and Palo
Alto, California. Code has more than 25 years of experience as a company
founder, operating executive and investor. As a venture capital and private
investor, Code has invested in more than 50 technology companies across
North America.
Aneel has over 17 years of experience in the IT industry in both operational and executive management roles. His knowledge in finance, M&A, and operational excellence are well recognized. Aneel brings in knowledge in various aspects federal government contracting.
As President and CEO of The New York & New Jersey Minority Supplier Development Council, Inc., Clark supports the development and strengthening of the Board including assisting with member recruitment, strategic planning and program evaluation. He provides operational oversight and carries out full management responsibilities for the Council staff including personnel, administration, work delegation and performance evaluations.
He maintains a public profile in the geographic areas served by the Council as well as provides supervision and direction related to the Council program areas and activities
Prior to this, Terrence was Executive Director of the 47th Street Business Improvement District where he managed a budget for capital improvements and program services. He managed all aspects of this economic development program that enhances business opportunities and improves the business environment in New York's Diamond District. He initiated and managed District services and programs including public safety, area beautification, advertising and public relations, capital improvements and security guard training program run in partnership with the New York City Police Department.
Tom is the managing partner of The Bonadio Group. He founded Bonadio & Co. in 1978. Since that time, Tom has devoted his efforts to serving commercial companies in the Rochester area and helping our firm grow from two people to its present size of over 350 people. Tom specializes in providing business advice to privately-held companies and their owners with a particular emphasis on helping privately-held companies maximize their value and return to shareholders. He works with a variety of industries including construction, manufacturing, professional services and real estate. He is particularly well versed in the area of mergers and acquisitions from strategic through financial implications, and has helped dozens of companies, including The Bonadio Group, navigate through these tricky waters.
Tom is active in community life, serving as a Commissioner of the Monroe County Case Commission, Monroe County Jobs Creation Task Force and on the St. John Fisher College Alumni Activities Committee. Tom has served on the adjunct faculty of the Rochester Institute of Technology and as a Trustee and Chairman of the Accounting Advisory Board of St. John Fisher College. He is a past Chairman of the Board of Trustees of St. John Fisher College.
Tom has a B.B.A Degree in Accounting from St. John Fisher College. Tom is a member of the American Institute of Certified Public Accountants and New York State Society of Certified Public Accountants.
Theresa Fette is founder and CEO of Provident Trust Group, a leading self-directed retirement plan administrator and alternative-asset custodian. In six short years, she has created exponential growth, increasing the organization's assets under custody from $300M to more than $6B. Her unique managerial and entrepreneurial style has been recognized by Fortune, honoring her as one of its most powerful women entrepreneurs for 2012. She is also a board member of Venovate Holdings, Inc., which further establishes her role as a thought leader in the alternative asset space.
Fette holds a LL.M. in Taxation from the University of Missouri - Kansas City, a Juris Doctorate, a Masters in Accounting and a Bachelor of Science in Accounting, each from the University of Arkansas.
CEIPAL Corp is a global leader powering the strategic evolution of HR industry. It is relied upon by various industry leading firms to drive their end-to-end recruitment cycle and HR operations. Ceipal is headquartered in Rochester, with offices around the world, enabling a global presence and local response.
CEIPAL Corp. 687 Lee Road, Suite 208A Rochester, NY 14606 USA
+1 585-326-1312 | email@example.com


text: Now the modernization of retailing has reached East Europe. The Iron Curtain opened up and Latvia declared its independence year 1991. This also opened up the possibility of gaining market shares for foreign retail trade investors. To get an idea of the prerequisites for retailing in Riga, which is a very dominant capital city, knowledge about the development of the urban environment in general is valuable. Through greater knowledge and understanding for Rigas' prerequisites the investments can turn out to be more profitable for both public and private interests. Therefore a comprehensive input of quite different areas –indicators- was made in part one of the thesis. City plans, accessibility, site/location and purchasing power form the ground for more detailed subjects. The concept of sustainability has been the foundation for these indicators (spatial, environmental, social and economical aspects). History and the relationship to Stockholm in the past and present, presentation of Latvia and Riga region in general as well as development tendencies in the world affecting Riga has been considered. This thesis is given an interdisciplinary touch when trying to bring together subjects dealt with in spatial planning and the subjects of interest to retailing. Theories, ideologies and knowledge about this are presented in part two. A complex network of people, ideologies, economy, environment and innovations has influenced development of cities through the centuries. At the end of the 19th century, planning was a way to conquer diseases and fires. Next step was to make the urban place as efficient and functional as possible, which led to a separation of areas into working, living and service areas. The innovation of the automobile has to a great extent influenced the planning of modern time and changed the spatial appearance and life in our cities greatly. Trade has developed through interplay with people at certain places, preferably where water meets land or roads cross. This also has contributed to the location, size and structure of cities of today. The last decades of retailing development have changed the way people do their shopping and the appearance of our cities radically, but retail trade has from another point of view become more accessible (for cars), cheaper and well-assorted. The description of the present state in Riga, field visits and interviews combined with the knowledge about the development of retailing and planning in Stockholm and other parts of the Western world formed the SWOT analysis and functioned as the foundation for the analysis and discussion presented in part three of the thesis. The city of Riga fights the same kind of problems as other cities concerning traffic jams, segregation and negative impact on the environment. But Riga also has several aces up its sleeves that should be well played. The capital city is gaining market shares concerning the interest of visiting this beautiful and multiple place, the citizens are still used to move by using public transportation, the traditional public markets are unique and have potential of being a part of a modern retailing environment, the compact structure of the city is a good condition for an energy efficient transport system, a growing middle class have the potential of buying more capital goods, it is connected to the rest of the world by good infrastructure and it is an advantage to have "the answers" to the positive and negative influences modern retailing has on the urban space. Riga has great potentials!


text:
Digital Holographic Microscopy (DHM®) offers solutions for static and dynamic 3D characterization in material science and life science applications.The solutions combine DHM® with hardware, dedicated software, and specific options to respond to the needs of innovative R&D to industrial applications.The DHM® technology and products have been developed by Lyncée Tec who also has the competence and flexibility to offer customization and OEM systems.
Read more Lyncee Tec website
Contact sales
Cheos Oy | Sinimäentie 10 C, 02630 Espoo | puh. +358 201986464 | firstname.lastname@example.com


text:
Your own magical energy causes the ring to change
Colour, revealing your inner emotions. Each ring comes with a colour chart. Great for party favours.
Ring design will be chosen at random.
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Your email address will not be published. Required fields are marked *
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text:
If the app is, difficult to download or it doesn't work right or it didn't live up to expectations, here's how you might be able to get your money back.
1. Google Play has a generous policy for Android devices: If you uninstall an app within 15 minutes of buying it, you automatically receive a refund. If that time has passed, you can contact customer service to explain the issue.
2. BlackBerry's App World states that all apps are non-refundable, but there are exceptions for technical difficulties. Still, calling customer service can help.
3. Apple won't issue a refund if you dislike an app or it has a glitch, but if the app was purchased by mistake you may be able to get your money back by reporting a policy to iTunes.
4. For Windows Phone, you can request a refund by logging into the Windows Phone Marketplace and using the Support option to request a refund for the apps on your Purchase History page.


text:
This Policy applies to Giveaways sponsored by me (Amanda Smith) or by a third party
- All Giveaways are open to Us Residents unless otherwise noted
- Winners are Selected at random using third party apps
- Giveaway Entrants Must be 13 years or older
- Enter the Giveaway in the manner specified
- All entries are Verified
- No Purchase necessary
- Void where prohibited by law
- I am not responsible for items lost or Damaged by the USPS
- I am not responsible for giveaway sponsors that do not fulfill their prizes. However I will do everything I can to assist you in redeeming what you have won.
- Any issues in regards to your prize must be brought to my attention within 30 days
This policy is subject to change without prior notice and was last updated on 02/26/2014
The disclosure is done in accordance with the Federal Trade Commission 10 CFR, Part 255 Guides Concerning the use of Endorsements and Testimonials in Advertising.
You may also wish to read my disclosure policy.
Thank You and Good Luck,
Amanda Smith


text:
"Strong in the Broken Places,"our newly commissioned dance features four award-winning choreographers addressing the issue of human trafficking using the Japanese art form of Kintsugi as a metaphor for the journey of trafficking victims and survivors, from trauma and healing, to repair and re-invention. The evening of dance featuring award-winning artists Holly Bass, Christopher K. Morgan, Erica Rebollar and PEARSONWIDRIG DANCETHEATER.
$30 Admission
$25 Admission (Dance Place Members, Seniors and Artists)
$15 College Students and Children (17 & Under)
Advanced Sales – ends one week prior to performance weekend
$25 Advanced Sales Admission
$20 Advanced Sales Admission (Dance Place Members, Seniors and Artists)


text:
Gift Tins & Boxes
Pernigotti Classico Gianduiotti 150g Bag
Our creamiest Gianduiotti Pralines Gift Bagged
Additional information:
An Italian delicacy since 1860 these hazelnut praline
truffles melt in the mouth and are just like eating
solid nutella
A perfect gift in this gorgeous gold gift bag or a treat for yourself, maybe just one or two of an evening
Gluten Free
This is the Classico blend which is the creamiest blend we do also stock the Nero version which has more cocoa solids
Ingredients : sugar, hazelnuts, cocoa paste, cocoa butter,
soya lecithin, natural flavours
Allergen information : see ingredients in bold.
May contain milk traces and other tree nut traces.
150g Bag


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Contact meHave a question? Want to connect with me? Or learn with me?
I'd love to hear from you or hangout with you online.
Come and say hello and tell me what you're watching
Email: cara[at]leo-listening.com
I'll get back to you within 72 hours via email.
Send me a postcard!
Cara Leopold
Atelier Com Comme Comix
3, rue de Vittel
25000 Besançon
Want to hangout with like-minded English learners?
Join us in the Subtitle Freedom Club, my free Facebook group.
Cara Leopold
Online English Listening Teacher


text: Josh Hayes sits down with David Barnett & Pat Perry from the Tour Junkies to talk about Pat posing shirtless, Justin Thomas & Rogaine, beer harassment, talking with Bob Parsons, & lots more! Enjoy our podcast? We'd love for you to leave a review! You can review the show by clicking here and leaving your review on iTunes. If you'd like to give our show a shout on Twitter @18Birdiesapp and we'll retweet your post! The 18Birdies app is now available for iPhone and Android devices. Click here for your free download. For more information, check out all the latest news at 18Birdies.com. Related


text: @article{(International Science Index):http://waset.org/publications/2839, title = {Knowledge Mining in Web-based Learning Environments}, author = {Nittaya Kerdprasop and Kittisak Kerdprasop}, country = {}, institution={}, abstract = {The state of the art in instructional design for computer-assisted learning has been strongly influenced by advances in information technology, Internet and Web-based systems. The emphasis of educational systems has shifted from training to learning. The course delivered has also been changed from large inflexible content to sequential small chunks of learning objects. The concepts of learning objects together with the advanced technologies of Web and communications support the reusability, interoperability, and accessibility design criteria currently exploited by most learning systems. These concepts enable just-in-time learning. We propose to extend theses design criteria further to include the learnability concept that will help adapting content to the needs of learners. The learnability concept offers a better personalization leading to the creation and delivery of course content more appropriate to performance and interest of each learner. In this paper we present a new framework of learning environments containing knowledge discovery as a tool to automatically learn patterns of learning behavior from learners' profiles and history.}, journal = {International Journal of Social, Behavioral, Educational, Economic, Business and Industrial Engineering}, volume = {2}, number = {3}, year = {2008}, pages = {149 - 153}, ee = {http://waset.org/publications/2839}, url = {http://waset.org/Publications?p=15}, bibsource = {http://waset.org/Publications}, issn = {eISSN:1307-6892}, publisher = {World Academy of Science, Engineering and Technology}, index = {International Science Index 15, 2008}, }


text:
The mission of the University of Cincinnati Radiation Safety Office is to provide the means necessary for personnel to protect themselves, their coworkers, the general public, and the environment from detrimental effects of radioactive materials and radiation generating equipment used under the University's Radiation Control and Safety Program. Its mission is also to provide day- to-day oversight and services to meet the goals of the Radiation Control and Safety Program.
Radiation Safety Office:
(513) 558-4110 Phone
(513) 558-9905 Fax
0591 Mail location
Terry Lindley, CHP, MRHP, CNMT
Radiation Safety Officer firstname.lastname@example.com
Debbie Kirkpatrick
Program Manager
Mailing Address:
University of Cincinnati
Radiation Safety Office
231 Albert Sabin Way
PO Box 670591
Cincinnati, OH 45267-0591
Copyright Information © 2018 University of Cincinnati51 Goodman Drive, University Hall Suite 540, ML0567, Cincinnati, OH 45221-0567
Phone (513) 558-5034 |
firstname.lastname@example.com | Contact Us
Notice of Non-Discrimination
eAccessibility Concern


text:
Water Softeners
DuoFresh Whole Home Water Treatment System
The Puronics DuoFresh dual process whole-house water treatment system is designed to give homeowners high quality water throughout the entire home. This system incorporates the environmental benefits of 'green' technology filtration and advanced water conditioning, plus the power of SilverShield® Protection. The computerized control valve monitors your water usage to maintain optimal effectiveness of the system ensuring your family always has the highest quality, great tasting water.
Dual Process Water Treatment System
- Filtration using "Green" technology without chemicals
- Conditioning to effectively reduce hardness
NASA Technology at work in your home
- MicroSilver BacteriostasisTM Technology is based on NASA silver ion technology developed to purify water on the Space Shuttle Orbiters.
- SilverShield® HYgene® filter media – incorporates MicroSilver BacteriostasisTM Technology into activated carbon to inhibit bacteria growth within the system's filter media while reducing objectionable tastes and odors.
Computerized Control For Maximum Efficiency
- Patented Solid State Microprocessor controls operation of system
- Measures water usage to backwash and recharge when necessary
- Creates auto reserve so you never run out of quality water
- Double backwash ensures a clean filter media bed
- Ensures consistent superior quality water
- SilverShield® HYgene® media reduces objectionable chlorine and chloramine tastes and odors
- High-capacity S-759 monospheric resin has uniform sized beads for higher flow rates and efficiencies
- Reduces iron, turbidity and hardness
- Silica gravel polishes water to a sparkling clarity
This system is designed for use with municipal water or private well water that has been chlorinated. Any non-chlorinated private well application should use the well version of this system without HYgene.
Contaminants or other substances which can be removed by the Puronics DuoFresh system are not necessarily in your water. Operational maintenance and replacement requirements are essential for the product to perform as advertised. Actual savings achieved are dependent on your particular spending habits and usage levels.
Related Products
The Puronics Defender water conditioner is the budget-minded solution to supply high quality water in an energy efficient, budget minded manner.Read More
Defender iGen
Provides budget minded families with the most technologically advanced equipment available today. The sophisticated digital control valve monitors your water usage so you don't have to.Read More
Hydronex iGen
The Puronics Hydronex iGen whole house water conditioner provides superior quality water by incorporating the most technologically advanced equipment available today.Read More
Filtramax iGen
This five-stage water conditioner incorporates our advanced SilverShield® Protection Technology as well as a second backflush process to ensure your family will enjoy the highest quality water.Read More
Terminator iGen
A system so sophisticated, it does the thinking about the quality of your water all day and all night so you don't have to.Read More


text:
Technologies used in the classroom
Laptops, Tablets, Cell Phones
Connecting mobile devices to sound, projectors, TVs.
Saving work to portable flash drive.
Will you integrate cloud storage?
Capture everyday learning experiences and big events.
Podcasts, audiobooks
Gaming consoles increases engagement, problem solving, and social collaboration.
Graphing calculators now work seamlessly with Wi-fi connectivity, smart boards, and mobile devices.
Audio systems for listening and speaking.
Video cameras record presentations and class experiences.
Projectors provide visuals using screens, smartboard, and TVs.
SMART boards provide visuals and hands-on interaction.
What do you notice about these technologies? How will using technologies motivate students to engage with curriculum at a higher level?
Reading is the most complex skill to teach and the most important. Young learners must master elements of phonemic awareness and phonics which leads to greater reading fluency. Readers must have a set of strategies to understand unknown words, cite vocabulary, sentence structure, coherence, organization, and background knowledge for comprehension.
So how can you use technology to teach literacy skills?
The goal of literacy instruction is to improve reading and writing skills so that students can become independent readers and thinkers. Teachers can engage students with meaningful technology-driven work.
Created with images by Pexels - "asian iphone lady" • FirmBee - "office freelancer computer" • diongillard - "Bluetooth Handsfree" • Nedko - "flash-drive" • WerbeFabrik - "camera digital camera photograph" • herbert2512 - "ipod ipod nano apple" • HighTechDad - "Enjoying the Game - Nintendo Wii U Experience" • Asim Bijarani - "TI-84 Plus" • Money Talks® - "logitech Speaker System Z323" • jo.sau - "camcorder" • kjarrett - "SMART Board in action" • kaboompics - "man reading touchscreen" • PDPics - "magnifier magnifying glass loupe"


text:
The administrative offices for the Center for Bioplastics and Biocomposites are located at the Center for Crops Utilization Research, 1041 Food Sciences Building, Iowa State University, Ames, Iowa 50011.
If you are traveling to Ames via Interstate 35, take Exit 111B labeled "30 West." Travel west on Highway 30, then take Exit 146, the "University Boulevard/ISU" exit. Drive north on University Boulevard to Lincoln Way (the fourth traffic light). At Lincoln Way, turn left (west) past Hilton Coliseum and C.Y. Stephens auditorium. Turn right on on Beach Drive and then right on Wallace Road. The center is located at 1041 Food Sciences Building.


text:
Girl GamesDress Up»Teen»
Halloween Rihanna Face Makeup
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Hope you enjoyed going through this list of inspirational ribbon design resources, downloads and tutorials. If you find something is missed and is awesome, please help us by commenting below and letting us know about the design. We are design hungry.
CSS3, Design Inspirations, How To, HTML & CSS, jQuery, PSD, Tools, UI Designing, Web Design Tools


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If you need excess baggage or household contents shipped to a European country, we're here to help. With our easy online quotes and secure tracking portal, you can be sure that your belongings are in good hands.
We'll help you pack your goods in the UK and unpack everything when your excess baggage reaches its destination. If you live in the M25 area in London, we'll collect your shipment from your doorstep.
We'll get your goods to Europe by air or sea, safely and on time. Please note: We will require a copy of the goods owner's passport and visa (if applicable) to facilitate customs clearance.
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League play begins the week of October 30th, excluding the Ladies league which will start November 7th. Further league information is detailed in the e-blast and will be made available as we begin the season!
Don't Miss Out!
As a reminder, the BCC will be holding our annual Registration Night on Friday, October 13, 2017. For your convenience, the Registration Form for the 2017/2018 season can be found on the Home Page of our website. We encourage all members...past, present and future...to come out, have fun and sign-up for one of our leaugues!
Welcome Back!
Check your inbox for our latest e-newsletter! If you didn't receive one, send us a Private Message and we can add you to our list!


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Contact Information
Department Director
Gary Donaldson, CTP
Chief Financial Officer
Organizational Chart
Office Location & Hours
John Link Government Services Center (map)
200 South Cameron Street
Post Office Box 8181
Hillsborough, NC 27278
Contact Us - Select the Contact US Link to view our Staff Directory.
Phone: (919) 245-2151 - Finance and Administrative Services
Phone: (919) 245-2651 - Purchasing: David Cannell, Purchasing Agent
Fax: (919) 644-3324
Department Principles
"Upholding the Public Trust Through Sound Financial Management and Fiscal Excellence."
The Department strives to be a strategic partner in providing fiscal leadership, excellent service delivery, and financial accountability for all residents and stakeholders.
The Department of Finance and Administrative Services is committed to:
I. Financial administration procedures and policies that maximize:
- accurate accounting
- prompt payment of obligations
- preservation of high credit ratings
- management information for decision making
- timely and meaningful financial reporting
- effective financial planning
II. High quality results in operations characterized by integrity, trust and respect.
III. Sustained excellence achieved by continuous improvement in our operations. We are receptive to new ideas and committed to maximizing our effectiveness and efficiency.
IV. Leadership. Each and every individual in the Department possesses unique potential to exercise leadership. We recognize this and accept the responsibility to actively participate in the leadership of the Department.
We will be guided by our vision and values with adherence to legal, ethical and professional standards.


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Be the industry leader for the treatment of Gut Microbiota alteration (so-called dysbiosis) using patient-specific microbiotherapy in patients with serious medical conditions.
Our initial goal is to develop a series of microbiome-based drugs targeting mortality and comorbidities associated with blood cancer treatments. Our revolutionary and rapid approach will contribute to the evolution of treatment therapies in oncology.
MaaT Pharma
Founded at the end of 2014, MaaT Pharma (Microbiota as a Therapy) is a clinical-stage biotech company revolutionizing and shaping a new approach to therapies to treat serious diseases linked to gut microbiota imbalances.
We believe that another approach is possible when it comes to treating gut microbiota alteration. This is why our team has been working on Fecal Microbiota Transfer (FMT) standardized processes and dedicated products that will be a critical addition to the current therapeutic arsenal. With our breakthrough proprietary platforms (GMP Fecal Microbiome Transfer platform and gΛt Print, our in-house data science platform), we are creating FMT-based drugs for patients suffering from severe diseases, with a focus primarily on blood cancer.
We are currently developing patient-friendly solutions (oral form), ready for clinical assessment, aimed at improving overall survival, reducing infectious episodes, reducing gastrointestinal complications and hindering Multidrug-resistant Bacteria.
MaaT Pharma Launches European Clinical Trial in Severe Acute Graft-versus-Host Disease for patients receiving allogeneic Hematopoietic Stem Cell Transplantation
• Phase II proof-of-concept clinical trial in 21 centers of MaaT Pharma's lead product, MaaT013, for treatment of patients with corticosteroid-refractory acute Graft-versus-Host Disease (GvHD). • MaaT013 has the potential to be a first in class therapy for acute...
Hervé Affagard on Europe1 Label Entreprise
Hervé Affagard live on Europe1 Label Entreprise talking about the company, our future and perspective, but mostly describing how we restore gut microbiota with Fecal Microbiota Transfer.


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- Calories 259
- Caloriesfromfat 0.0%
- Fat 4.5g
- Satfat 2.7g
- Monofat 1.1g
- Polyfat 0.2g
- Protein 5g
- Carbohydrate 47g
- Fiber 3g
- Cholesterol 10mg
- Iron 1mg
- Sodium 308mg
- Calcium 240mg
Grasshopper Mocha Shake
Oxmoor House
Fresh mint, chocolate sorbet, and chocolate wafer cookies make this an intensely enjoyable mint-chocolate dessert.
How to Make It
Step 1
Combine milk and half-and-half in a small saucepan. Bring to a simmer. Remove from heat; stir in mint. Place pan in a large ice-filled bowl; cool completely (about 10 minutes), stirring occasionally. Discard mint.
Step 2
Place milk mixture, ice, and next 3 ingredients (through cookies) in a blender; process until smooth.
Cooking Light Chill


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A five-game winning streak over which they have outscored their opponents 21-8 has moved the Florida Everblades to the top of the ECHL standings. Florida enters the week 11-4-0 for 22 points and has a six-point lead over Atlanta in the South Division standings.
The Everblades opened last week with an 8-2 win at Atlanta on Tuesday. Mike Aviani (2g-1a) and Evan Bloodoff (1g-2a) led the way offensively with three points each while Florida's power-play unit connected three times on four opportunities.
On Friday, Florida rallied from an early 2-0 deficit to comeback and defeat Idaho 4-3 in overtime. Matt Marquardt, Brant Harris and Matt Willows scored four minutes apart early in the second period to give the Everblades a 3-2 lead only to see the Steelheads pull even late in the period to eventually force overtime. In the extra session, Willows scored his second goal of the game at 2:23 to lift Florida to the win. In addition to the two-goal night for Willows, Matt Stanisz (3a), Ethan Werek (2a) and Harris (1g-1a) all had multiple-point games.
Florida ended the week with a 3-0 victory over the Steelheads on Saturday. Daniel Altshuller stopped all 21 shots he faced to record the shutout while three different Everblades' players tallied goals. Werek and Willows both chipped in with a pair of assists for their second straight multi-point games.
Aviani, who was loaned to San Jose of the American Hockey League on Sunday, is tied for second in the ECHL with eight goals and is tied for third with 15 points along with his teammates Willows and Marquardt. Willows' 15 points are also tied for first among all ECHL rookies. The Everblades are the top offense in the league averaging 3.73 goals per game.
Florida's goaltending tandem of Altshuller and Anthony Peters has also been solid as they have combined to allow 1.80 goals per game which ranks second in the league. Althusler's two shutouts are tied for the league lead and he is third with a 1.50 goals-against average and third with a .942 save percentage while Peters is fourth with a 1.71 goals-against average and fifth with a .939 save percentage.
The Everblades are home for three games this week, hosting Wheeling on Wednesday, Friday and Saturday.


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Peepers Driftwood BifocalYotpo reviews for Peepers Driftwood Bifocal
Peepers Driftwood Bifocal
These cat-eye bifocal Peepers Driftwood sun readers with 100 percent UV protection keep sunny days in perfect focus.
- Brand authenticity guaranteed
- Branded eyeglass case included
- Gender: Women
- Age Range: Adult
- Frame Material: Plastic
- Frame Shape: Cat Eye
- Frame Type: Sun Readers
- Frame Style: Fashion
- Lens Type: Sun Reader
- Power: +1.25
- Brand: Peepers
- Color: Black
Frame Size
Have a Frame That Fits?
Frame measurements may have slight differences depending on the options selected above.
Similar Products
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Yotpo reviews for Peepers Driftwood Bifocal


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Other games for RUCAP UM-5 tracker
AaaaaAAaaaAAAaaAAAAaAAAAA!!! - A Reckless Disregard for Gravity
|Gameplay of this game is based on the base-jumping principles. Base-jumping is an extreme skydiving from high-rise buildings. Jumping from a height in «A Reckless Disregard for Gravity» occurring in surrealist art-environment with inter-changing colorful paintings and skyscrapers hanging in the air. Flew upward through this madness with the tracker RUCAP UM-5, you can look around to inadvertently did not break or vice versa - to have time to pick up bonus. The game experience is guaranteed to be strengthened in several times!
Alien Shooter 2
Kill and burn hordes of monsters, controlling the movement of your character on the screen (moving left, right, up and down).
Explore the secrets of fairy ocean depths in indie masterpiece "Aquaria". Swim and dive like a fish in water, moving left, right, up and down to solve quests and find artifacts.
Armed Assault 2 (*new*)
The most popular multiplayer shooter from the creators of the legendary Operation Flashpoint. In the game with a huge set of opportunities, combat transport (from tanks to fighter aircraft) and weapons you can manage the view of his character, like you are real soldier: examining the environment, peeking around corners, watching for enemies, do all of this slight movements of the head. It's realistic, impressive and effective!
Turn your music collection in a racing attraction: Audiosurf converts any music track to the futuristic race rout. Collect the colored blocks on these routs to the beat of your favorite music, moving left and right.
Rotate the game camera clockwise and counterclockwise, moving right and left. Inspect the battlefield, freeing keyboard and mouse from these functions.
Dragon Age: Origins
In the new fantasy epic from BioWare, the recognized masters of the RPG genre, you can rotate the camera left and right, move it up and down (moving his head to the relevant side), zoom in and zoom out camera (moving head closer to the monitor or moving head away from it).
Dreamfall: the Longest Journey
Control the movements of your character and choose various options in the game interface using head movements to the left, right, up and down.
Freak Out: Extreme Freeride
The game is entirely devoted to extreme skiing. Manage tilt and movements of your character, moving left, right, up and down. UM-5 keeps your hands free from burdensome four keys and you will be able to cover the full range of ski stunts.
Hamster Heroes (*new*)
In this fun game, it will be your task to take the hero, a hamster, inside a ball through a maze.
The ruCap UM-5 tracker increases even further all the fun factors!
Head Mouse
| Basic mouse emulation. Use your head to move the mouse cursor around the screen.
Silent Hunter 4
|This is the most modern submarine simulator at this moment. Silent Hunter 4 events is occurring during the Second World War and you have the right to support Allies or German troops. With the RUCAP UM-5 game tracker you can control game camera without detracting from the control of the submarine under your command.
Shaun Murray Wakeboarding Unleashed
Wakeboarding is a type of sport and entertainment, in which the dashing guys and girls stand on a surf board, holding onto a boat rope. Maneuver to avoid obstacles, perform insane stunts and have fun moving your character left and right with UM-5.
Shaun White Snowboarding
Make breath-taking stunts on a snowboard, earn points and conquer the snowy peaks. Manage tilt and movements of your character, moving left, right, up and down like a real snowboarder.
Surf's Up!
Funny game for players of all ages. Control the movement of penguin surfer using UM-5: teetering on the crests of the waves and avoid obstacles, moving left, right and backward.
Tower Simulator (*new*)
|Have you ever dreamed of taking control of one of the most important and critical processes in a modern airport: flight control? If so, this is the game for you. With the ruCap UM-5 tracker, you can control the traffic in your airport and nothing will escape your eye.
Trainz Classics (*new*)
|If you like trains and railroads, this game is for you.
An exceptional railroad simulator, which even includes and editor for your railways, allowing you to experience both real and imaginary railway lines.
With the UM-5 tracker, you will be the master of your railroad.
Trainz Railroad Simulator 2006 (*new*)
|Whati is it that attracts in the train driver's profession? The speed? The vistas? The possibility to control the massive monster of a machine?
You can find out with this game.
You will control a wide variety of trains that faithfully reproduce the real thing.
The ruCap UM-5 tracker gives you additional freedom in controlling your train.
Free your hands, you will be able to look around freely and switch between views, by moving forwards and back.
Tux Racer
|Tux Racer – is a computer game with a penguin Tux as a main character. This game is supplied with the standard tracker installation package. You can run this game by clicking on "Demo" button of the autotun wizard.
The gamer controls the movements of the penguin who is sliding on his belly down on an ice slope and collecting herrings at the same time.
Turning the head right or left the gamer changes Tux directions. Movements of the head forward and backwards accelerate or slow down the penguin speed on the ice slope.
Do not forget to show this game to your kids or younger brothers and sisters, and be sure that the penguin Tux exactly catches their fancy!
Virtual sailor 7
|Virtual Sailor is a game for those who love the sea in all its manifestations. This unique ship simulator allows you to easily manage the review of the game camera with RUCAP UM-5 game tracker. Feel like a real captain of his ship: every storm and calm with the UM-5 will bring you unforgettable sensations.
X3: Reunion
|The distant future. Cosmic space explored but not conquered by humanity. Solve an intergalactic quests, trade and fight using small shuttles and huge warships, which you can control with the barely perceptible movements. Direct your ship, moving left, right, up and down.
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September 4, 2012 (CHICAGO) --The CTA is holding a public hearing Tuesday night to discuss proposed service changes.
Last month, the agency announced it would be adding buses and train service to high-demand routes. Officials say the move would help reduce overcrowding.
Tuesday's meeting will be held at 6 p.m. at CTA headquarters on West Lake Street.


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Kentucky State Police are warning Knox County residents about a telephone scam.
In the scam, a man calls and identifies himself as a "Mr. Clark," and introduces himself as a representative from Publisher's Clearing House or other sweepstakes familiar to residents.
During the conversation, Mr. Clark persuades the victim to transfer money electronically using a debit/credit card, bank account numbers or by money order through the mail, police said.
In return for a successful transfer, the victims are promised money and gifts that they do not receive.
State police detective Jason York of the Harlan post, who has been working the case, learned that the company is based in Kingston, Jamaica, according to a police news release.
Police urge residents to never give any information over the telephone to any person or company with which they do not regularly do business.
Police said if you have information regarding this scam, call York at (606) 573-3131 or toll-free at 1-800-222-5555.


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London Asian Massage
Imagine a stunningly hot Asian babe giving you an enthralling Asian massage in London, or two beauties giving you the four hands massage, how about the really exciting Lingam massage or the hot and sexy Tantric massage? We've got them all at our massage parlor. Beauties from the Far East skilled in ancient erotic massage from ready to make you feel relaxed.
An Asian Tantric massage is always special; it is an erotic masterpiece that leaves you feeling amazing and fresh. This is the perfect antidote to fatigue and stress and the exquisite Asian girls that work for this agency are always ready to take you through this amazing trip. You get to enjoy body to body contact with your body all oiled up in aromatic oils and a beautiful babe rubbing all parts of your body in an erotic rhythm. So if you're looking for the ultimate Asian massage in London, you'll be glad you found us.
Give Us a Ring On 07493 675 555 & Make Your Appointment Now!
You can only get to know how awesome Tantric massages are if you get to experience them from our Asian masseuses, this is truly Oriental Massage at it's finest!. It unclogs all inhibited sexual urges within you, the massage therapists flow with your rhythm, caressing and stroking your body with sensual touches that reach your soul. They give their all and love to see you surrender your body to hers for this erotic session.
Booking a session is easy, browse through the online galleries and pick the girl that makes your blood boil. You then make a call and we send the girl to you or direct you to her. The rates are affordable; the girls are finger licking good and the sessions magical. We are the best in the city and we know it, our Asian masseuses are confident and they will rub their charm into you so get calling as soon as possible and book your Asian London massage right away.
Get Started with Asian Massage in London
Whether you live in London or you are just visiting then you need to experience the local pleasures that not many know of. After a hard day at work, or a long flight, why not pop in the best massage spa and let these beautiful ladies help you relax. London Asian massages have multiple health benefits too: they improve circulation and prevent high blood pressure and the release at the end stimulates the mind to reason better.
This is adult relaxation at its best; you get the benefits of regular massage with an added erotic touch that makes the erogenous parts rejoice. These girls are pure magic, come feast your eyes on alluring curves and faces that will make you orgasm uncontrollable at the end.
Book Your Amazing Asian Massage London Right Now!
Tantra is for men and women, it is food for the soul and the techniques used not only make you a better lover but also help you achieve better orgasm. You learn to hold back, to give in when it is needed and to pleasure your lover. A session is a private experience where all your sexual traumas get released and you come out new and fresh ready to try out new experiences.
Tantra is a way of life, passed down from generation to generation in ancient Asia and now practiced by our stunning London Asian massage therapists. You will be in the hands of professionals who only do what you are comfortable with. Make that call and get VIP treatment at an affordable rate, everyone needs a good massage from time to time, at our parlor we mix that with an erotic experience so it's both fun and healthy. An Asian massage in London from hot Asian babes is a call away; get calling and remember that Tantra is the mantra you should live by.
We offer both incall Asian Massage and Outcall Massage to Central London homes and hotels.


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Leash Aggression or Frustration?
Far too many people observe a dog reacting at something and they automatically assume that the dog is fear/aggression. The best way to determine if your dog is experiencing frustration is via history of the dogs behaviour when off leash with other dogs. Do they…
Prevent Leash Reactivity
One of the most common behavior issues seen with our companion canines is leash reactivity; lunging, barking, snapping and shenanigans that look like a circus act and can embarrass the heck out of us. It may limit where you can take your dog, who you…
- adoption (2)
- Reactive Dog (1)
- Tips & tricks (4)
- Training (8)


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As google seeks to dominate all things digital, it gets one step closer. This time with language translation. It's actually quite impressive to see the results. I read this article from the NY Times and was pleasantly surprised.
Check out the tra
I ran across this bacon air freshener today. Get your fix of fatty goodness when you are on your commute to work. Forget about the trees, try out some bacon! http://www.mcphee.com/shop/products/bacon-air-freshener.html
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If you came to this site in the last month or two you might have noticed some weird things happening. You look at a post and then you are redirected to some random site trying to sell you something. Turns out I got hit by a hacker targeting WordPress
Wow I was just turned on to this new liquor, Bacon Vodka! I haven't seen it yet, or tasted it, but I'm on the lookout. It's a company based out of Seattle who started making it for their bar. Now they've packaged it up and have been growing. I'm n
The deadline to enter the Johnny Fiasco Remix Contest was extended last week. There are two more weeks left for you to upload your remix of the track and get a chance to win expensive prizes and get your remix released on Fiasco's upcoming single!
Remixin has just launched the Johnny Fiasco remix contest for the song "The Reflex." If you are a music producer, musician or DJ with some remix skills take a crack at the remix contest and win some dope prizes!
A tasty treat found by This is Why You're Fat. It's cone made of bacon filled with scrambled eggs and gravy with a biscuit on top. Yum, More bacon to put pounds on you.
I'm trying to find out where Gael Garcia get's his clothes. He has exquisite taste! Please let me know who his tailor is.
It's an ad for a new kind of gum, but it's pretty cool looking. They have a flash website that goes through the back story a bit then has a simple live action game (like a luchador Dragon's Lair). The site is slow, but worth the wait
What happens when you mix greasy bacon with a Russian AK-47, the BA-K-47. This powerful beast can kill a man with clogged arteries in 10 minutes.


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Microsoft Xls Invoice Template
Free invoice template for excel at invoice examples
Microsoft Xls Invoice Template For making the most effective impact on the clients, firms need to have professionally-designed bill. The bill could be your revenue deal's last element which should get registered within the customer's head. Is not it wonderful to shut the offers using an impressive, skillfully- designed bill?
A skillfully developed bill is essential in building the credibility of the business, pressing the consumer to require your services again also to be in your dues rapidly, therefore supporting your business grow. The customer could take longer to be in your fee while questioning the power of the account which can seriously affect your profit. When you can quickly access a theme that will match your type of business or market you never have to get overwhelmed by this job of invoicing. Seeking the right format helps protecting plenty of money and time.
To begin with, you should be ready to acknowledge the necessities of the good template. Selected characteristics are common to most accounts. As an example, it has to truly have the contact info of the customer, in addition to the label of the business and its target. It fundamentally identifies the kind of services presented along with the value decided for supplying them. Frequently, their emblem is included by corporations within the invoice and, with regards to the character of company, they might note the transaction terms and the break down of services or goods offered.
Having produced of what you involve, an idea, it becomes much more easy to limit your alternatives. These might be relatively expensive, specifically for small enterprises, although frequently, templates are provided by software packages. You can even buy specific layouts online. The Web provides a good number of useful tools for conducting your organization. You can also get bill themes free of charge.
It is simple to develop an account containing all-the functions that are important by using the account templates presented without charge on the Internet. You can get numerous kinds of statements. You might have an account for supplying things or any unique assistance or just labor. In addition, you will get templates for pro forma invoices. You will learn free themes in a sizable range of platforms, and a few of them may already be therein your PC, such as Microsoft Word, HTML, Microsoft Excel and PDF etc. Many free templates have time-saving functions, such as standard images, as well as other selections you could like including within your specific logo – automated insertion of date of invoicing, integral calculation system and dropdown choices – allowing you to choose different items to transform ideally the template for your needs.
Having ultimately made the account design, you will have to print it. Below, again, you have some selections. For starters, you print the invoice in your office and could possibly simply modify your bill format, and distribute them to your customer. You might even electronically transmit your bill, using the mail. Occasionally, you will need to supply your servicing team with bare bills, enabling them to get ready statements onthespot also to give them to customers for collecting funds. You may also consider having a mix of every one of these.