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The Drastic Ways Mobile Shopping is Changing How Products Are Made
ThirdLove, a groundbreaking new lingerie brand has been making waves with their innovative approach to selling undergarments. Forbes reports that the San Francisco-based company recently raised over $8 million of Series A funding. Investors included former CEOs of competing brands, Spanx and Victoria's Secret.
Right out of the gate, ThirdLove took advantage of today's new mobile-first retail landscape. By offering a mobile app as well as a specialized 'FitFinder' on their website, ThirdLove allows women to find their perfect bra fit in under 10 minutes in their own homes, without the stress of a traditional fitting. Eventually, the company was able to use and adapt to their app's data, as it became clear that a significant portion of their consumers fell in between sizes. Leveraging this information has played a huge part in ThirdLove's success as well as differentiated them from their competitors (40% of their bras now come in half-cup sizes).
Co-founder Heidi Zak had an extensive background in both tech and retail prior to launching ThirdLove. As per Heidi, "[These roles] allowed me to understand opportunities in traditional retail models that could be created by using technology to design better products and create a better shopping experience."
Indeed, the increased usage (read: we're obsessed) of smartphones worldwide mean a new wave on the horizon of digital retail as e-commerce slowly makes way to 'm-commerce'. Reports show that mobile commerce accounts for 40% of online commerce worldwide. App usage dominates the time consumers spend on their phones, with 90% of all time spent on mobile being dedicated to them. The amount of Lifestyle and Shopping apps alone grew 81% in 2015. If you're a brand wondering whether you need a shopping app or if a mobile-optimized website is enough – there's your answer.
Additionally, while websites, shopping apps and mobile wallets are designed to make shopping easier, companies are getting creative and taking things a step further by integrating smartphone technology directly into their products. We're now seeing smartphone-charging purses, Wi-Fi enabled neckties and digitally animated t-shirts becoming the norm – and that's just in the Apparel and Accessories sector!
With brands and retailers alike introducing new ways for shoppers to enjoy their wares via smartphone, it will be interesting to see what the future looks like for traditional brick and mortar stores.
Some of our very own Hubba users have been getting tech-y with it. Click below to check them out!


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Exam Proctoring Policies & Procedures
BGSU'S policy of providing reasonable accommodation to the testing process is intentionally flexible, in order to afford equal access and consistency to students with disabilities. It's understood that the policy is designed to level the playing field, while maintaining academic integrity and standards.
To be eligible for test accommodations, students are required to provide documentation of their disability which provides a clear indication/recommendation of the need for the requested accommodation, to the Office of Accessibility Services. Every effort should be made to provide documentation that is not more than three years old. Staff from the office will work with the student to reach agreement/consensus on the type of accommodation, and will communicate the request to the respective faculty member. The goal is to again reach agreement/consensus in terms of the accommodation and the implementation thereof. It's understood that the student's documentation will be the primary determiner of the accommodations that are ultimately implemented.
Test-taking Accommodations may include:
- Extended time on exams
- Oral exams
- Reader services
- Scribe Services
- Use of a computer with spell check and/or grammar check programs for essay exams
- Use of calculators, scratch paper with lines, additional "blue books" and/or speller's dictionaries on exams
- Question clarification (by faculty or proctor)
- Modification of test response format
- Taking the test in a separate location
- Student elaboration on multiple choice exams (hand scored)
The Office of Accessibility Services maintains testing areas in which students can work in a quiet and well lit environment. Test pick up/ drop off procedures can be arranged to suit individual faculty and student preferences, although the office does not have sufficient staff to commit to assuming responsibility for this process.
Policy on Accommodations for Evening Classes / Exams
The Office of Accessibility Services is open from 8 AM to 5 PM. Given that not all classes and exams fall into that time frame, we offer the following policy.
If a letter or form is given to a faculty member, those accommodations have been approved as necessary for that student. Providing accommodations to students with disabilities is a campus wide responsibility. Many universities place that responsibility squarely on the faculty members' shoulders with no assistance from an office of accessibility services. We feel services are optimized when the responsibility is shared. Proctoring exams is a large component of our service to faculty due to the extended time on many exams and other accommodations. During the evening classes we still need to provide accommodations to our students. There are two options for accommodating these students on exams in evening classes.
- Offering the exam at an alternate time in our testing area.
This option eliminates the faculty member's burden of finding a quiet room, reader, scribe or computer that the student may need. It also relieves the faculty member of staying extra late into the evening.
- Offering the exam at the same time with the professor arranging for all the approved accommodations.
This option requires that all the approved accommodations be arranged by the professor. This includes finding a quiet room, reader, scribe or computer that the student may need.
If you need help determining which option is best for you, please do not hesitate to call. It is important to remember that accommodations for students with disabilities is mandated by law and is not optional. If you have a specific concern with an accommodation that has been approved, please contact us for advisement. There are essential functions of each class that must not be compromised; however, the law is quite clear in its interpretation of testing accommodations.

subset: commoncrawl


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AUSTIN — Interactive Life Forms LLC, known for its flagship male masturbation device, Fleshlight, on Thursday announced Chandie Foster is the new FNCash partner manager.
The industry veteran Foster is the final addition to the digital marketing team, according to Fleshlight, which has focused the past two months on bolstering their digital media presence by selecting key figures for integral roles.
Foster's extensive history in affiliate marketing and management makes her the ideal choice to helm the FNCash program as she aims to reorganize, implement strategy and fuel its growth in the coming quarters, the company said.
Having started her tenure in the business in 1998 at MegaHardcore (one of the first adult entertainment companies online) and proving herself as a valuable asset to companies such as Cybersynergism and PornstarBucks, the company is confident that she will be able to reinvigorate their retail affiliate program.
Most notably, Foster built and ran the ClubJenna affiliate program which gave her the insight and ability to pull revenue from various partners and relationships for maximum revenue, the company said.
"Fleshlight is the perfect fit for me," remarked Foster. "It's exciting to be part of such a well-respected and globally known brand. I look forward to bringing new and improved tools to our affiliates as well as breaking new ground through industry partnerships. I'm extremely proud to be part of the Fleshlight family."
Andrew Rapley, Fleshlight 's VP of digital strategy, shared her enthusiasm.
"Chandie comes equipped with invaluable experience and knowledge of successful affiliate marketing and management," Rapley said. "We needed a strong and progressive partner manager to take FNCash to the next level and we have found that in her."
With 17 years in the adult digital space under her belt, Foster said she has big plans for evolving the FNCash program.
"Over the coming weeks I will be engaging more with our existing affiliates to see what they need and what we can do for them to make them more money," Foster said. "I'm excited to get my hands dirty and turn this program around, driving sales like we have never known possible."
For those interested in becoming an affiliate or partner of FNCash visit fncash.com and sign up for an account or email email@example.com.
Email sent. If you wish to send to another person, click here.


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CHICAGO RIDGE, Ill. --A Chicago police officer is charged with shoplifting $100 worth of merchandise from a southwest suburban department store.Eleven-year police veteran Carie Hooker was stopped late Monday as she tried to leave a Kohl's store in Chicago Ridge. She is charged with misdemeanor retail theft.
Hooker was assigned to the Chicago Alternative Police Strategies Office. A police spokesperson says the officer has been stripped of her badge and gun pending the outcome of the case.


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Dr. Sheila K. Sherman, Director of Grants Management/State & Federal Compliance/SHARS 605 Broad Street, Bldg #200 Mansfield, TX 76063Phone: 817-299-6358Fax: 817-548-2166
Section 1111(h)(2) of the No Child Left Behind Act (NCLB) requires each local education agency that receives Title I, Part A funding to make district and campus level data widely available through public means such as posting on the internet, distribution to the media, or distribution through public agencies. The following is a set of reports available to the public.
Assessment results in the aggregate and disaggregated by race/ethnicity, gender, disability status, migrant status, English proficiency, and economically disadvantaged showing two-year trend data for each subject and grade tested
Federal Report Cards - The U.S. Department of Education requires each state to publish an annual report card with specific district- and campus-level data. Every district that receives Title I, Part A funding is responsible for distributing the state, district, and campus-level report cards to each of its campuses, the parents of all enrolled students, and the general public.
The Federal Report card contains student achievement results in Reading and Math in addition to other federally required information. The Federal Report Cards are located at the following link: https://rptsvr1.tea.texas.gov/perfreport/frc/2017/srch.html
Texas Academic Performance Reports (TAPR) - The TAPR reports pull together a wide range of information on the performance of students in each school and district in Texas every year. These reports are posted online (in the fall) at the following website: https://tea.texas.gov/perfreport/tapr/index.html.
Title I – Number and names of Title I schools identified as in need of improvement, including the stage of improvement and safeguards missed for any schools identified for improvement.
Highly Qualified – Professional qualifications of teachers in Mansfield ISD and campuses, including the percentage of teachers teaching with emergency or provisional credentials and the percentage of classes in the LEA and campuses that are not taught by highly qualified teachers, including a comparison between high- and low-poverty campuses within the LEA.
605 East Broad Street • Mansfield, Texas 76063 • (817) 299-6300 Terms of Service | Accessibility | Site Map | Contact Us©


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JGarcia wrote:Yes.The Olympics will be brilliant. What a chance to showcase our wonderful city. Such a typically depressing English attitude to moan about it and be miserable
Davies wrote:The Olympics are going to be Hell.
Nobody gives a toss about the poor Londoners who's lives and livelihoods are going to be destroyed, book a holiday and move out for the duration.
Try not to cry when you see the damage and the tax bill when you get home.


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The EuroMBA combines 10 online courses in management with 6 weeks of residential teaching. You'll have the flexibility to work where and when you want, allowing you to combine studying with a busy work schedule. You'll learn how to develop business plans, about the impact of green innovations on business, and how to manage in emerging markets. You'll also develop your leadership skills, your emotional intelligence and your power to bring about change.
This two-year, part-time programme for professionals offers you the tools and insights for making your organisation and its information systems highly flexible. It provides professional insights into the enterprise IT architecture, links with business strategy and the management of IT governance, leadership and change. The programme is offered in cooperation between Maastricht University's School of Business and Economics and Antwerp Management School.
The master's programme in IT Governance and Assurance will provide you with the know-how to turn IT innovations into business value and to effectively manage IT-related business risks. The programme is designed specifically for working professionals and is offered in cooperation between Maastricht University's School of Business and Economics and Antwerp Management School.
High-quality, international, personal, interactive, varied and complete… that is how participants describe their MaastrichtMBA learning journey! Our MBA is a two-year part-time executive programme that focuses on responsible leadership. In this context we actively stimulate you to develop skills to lead yourself, your team and your organisation.


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Businesses – My Most Valuable Advice
High Quality POS Systems for Profitable Restaurant Businesses
The point of sale system or commonly known as POS system may not be familiar to a common person. Nonetheless in businesses, this is something that is commonly applied for it is a tool used in handling retailing transactions. In a nutshell, the POS system is simple the time and area of completing the buy and sell transactions. Generally, the business staff would determine the amount of the about to buy items, make a receipt or account, and show the total to be paid out possibly through cash, credit or debit card, or any methods of payment. Despite the fact that activities on items are broadly applied in this system, services and other options can also be used. In addition to that, POS system is not limited to cashier-related tasks. Bar coding, obtaining supplies, recording, and inventories can be components of this system too.
The POS is simply an indispensible tool in any kind of business. However, there could be types of businesses that need not just a regular POS system, but a high quality POS. Among these businesses that require this sort of system are the restaurants.
The POS system that is known to present the most exceptional program should be the one that is applied by restaurant owners in their business. You might have observed that the jobs in all restaurants are normally challenging. Specifically, if you have wide range of customers, purchasing of food, payment, and inventories could be extremely complicated. With the best restaurant pos, it could smooth-out, accelerate all the deals, and generally makes all more hassle-free. Now, aside from those basic rewarding points of a high quality restaurant pos, there are several specific benefits that the mentioned system can deliver. One is customer retention. When you workers are fast to deal with a lot transactions, there would be no long queue of customers who would order and pay for it. This will truly be valued, hence customers will return all the time to your restaurant owing to superb and easy transactions.
Second of all, an excellent quality POS system is friendly to each staff. So, despite the fact that some of your staff may step down or changes of functions is made, it will never be a problem for great quality POS systems are quick to fully grasp and undertake.
Thirdly, restaurant businesses that use excellent quality POS system would have better revenues since errors in various transactions are greatly minimized. Moreover, it enables better staff performance and excellent customer assistance which are typically among the aspects for business accomplishments.
To sum up, POS systems are generally advantageous for businesses. Nonetheless, if you own a large-scale company such as a restaurant, it would be advisable to choose the high quality POS system obtainable from reputable companies.
Featured post: go to this web-site


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From: Christy Taylor <email@example.com>
Date: Sun, January 03, 2016 6:02 pm
To: <firstname.lastname@example.com>
To: <firstname.lastname@example.com>
Hi Joyce,
I was JUST notified of a young black lab at the shelter in Port Lavaca, TX whose time is up TOMORROW due to overcrowding. My shelter contact is so nice and thinks they can put her in a temporary kennel outside to buy a little time to try to find a rescue for her. I've attached a picture of Naomi who is approximately 2 years old and 65 pounds. She was picked up by animal control with no collar, tag or chip. My shelter contact says she's very sweet and gets along great with the other big dogs in the shelter. Tomorrow first thing they'll be testing her with small dogs and cats.
Please spread t he word! She needs a RESCUE, FOSTER OR ADOPTER ASAP!!!!
I will find a way to get her from Port Lavaca to wherever she needs to be. Let's save her life first then we can quickly work out the transportation details.
I don't have her ID# but will try to get that as quickly as possible.
Here is the shelter info:
Calhoun Country Humane Society
800 Airline Drive
Port Lavaca, TX
Thanks so much,


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Really good video from Coldwell Banker with tips for first time home-buyers. You really don't have to be a first time home-buyer to benefit from this information. Good video that addresses and number of really important factors in any home purchase. … [Read more...]
Great Tips for First Time Homebuyers…
SOLD! HOME FOR SALE– 1990 Salmon Run SW, Albany, Oregon
Custom quality home for Sale in the Spring Meadow Subdivision-- 1990 Salmon Run SW, Albany, Oregon This is the only one like it in the Spring Meadow subdivision of Albany, Oregon. Custom quality home in impeccable condition, features a hardwood entry, vaulted ceilings, main level master, beautiful … [Read more...]
Freddie Mac 30 Year Rate Histories
These charts of 30 year mortgage loan rate histories (Freddie Mac rates) were provided by a local lender and are used with permission. It is very interesting to see how low rates really are right now, especially in relation to the past. The lower price of homes coupled with the low interest rates … [Read more...]
SOLD! Home For Sale | 1665 NW 11th Street, Corvallis, OR 97330
Comfortable living, close to everything Corvallis has to offer (Walkscore 85). Spacious and open floor plan flows from living to dining to kitchen to family. Sunny breakfast nook off kitchen is a great "hang-out" spot and ideal place to soak up the sun. Two steps down (at the same level as the … [Read more...]
SOLD! HOME FOR SALE– 1185 NW Country Hills Drive, Corvallis, Oregon
SOLD! HOME FOR SALE--1185 NW Country Hills Drive, Corvallis, Oregon Spacious single level home in private 1.1 acre woodland setting. Located in the Country Hills Estates subdivision with easy access to downtown Corvallis and NW Corvallis. Living areas are incredibly large and open with plenty of … [Read more...]
SOLD! HOME FOR SALE– 728 NW 32nd Street, Corvallis, Oregon
SOLD! HOME FOR SALE-- 728 NW 32nd Street, Corvallis, Oregon Charming home with many vintage touches and great updates as well, including coved ceilings, original tile surround on fireplace, wood floors (fir in living area, oak in kitchen), updated insulated windows, spacious kitchen, newer roof, … [Read more...]
SOLD! HOME FOR SALE – 9066 NW Lessie Place, Corvallis, Oregon
SOLD! HOME FOR SALE - 9066 NW Lessie Place, Corvallis, Oregon - Pacific Northwest Dream Home on 1.34 acres Beautiful in every way, open, light and airy floor plan invites the sunshine in. Gourmet kitchen is the hub of the home and features top of the line stainless steel appliances, granite … [Read more...]
Five things I'm looking forward to in 2010 | Changes that will Affect the Corvallis Real Estate Market
Five things I'm looking forward to in 2010 and Change in the Corvallis Real Estate Market As 2009 comes to a close, it will be nice to put a cap on it and move onto a better 2010. I, for one, am looking forward to some positives in the economy and the Corvallis real estate market. Recent economic … [Read more...]
How Would You Spend Your Tax Credit?
How Would You Spend Your Tax Credit? COLDWELL BANKER REAL ESTATE STUDY FINDS CONSUMERS' ANTICIPATED 'SMART SPENDING' OF HOMEBUYER TAX CREDIT WILL AID ECONOMIC RECOVERY 83 Percent of Current Homeowners Surveyed Say They Would Spend Tax Credit on Repaying Existing Debts, Home Improvements, … [Read more...]
Expanded and Extended Tax Credit Information–From the Expert
Questions and Answers from the Expert about the Expanded and Extended Tax Credit Sellers and Buyers in and around the Corvallis and Albany, Oregon real estate markets can benefit from a clear understanding of the opportunities the Expanded/Extended Home Buyer Tax Credit provides. An excellent … [Read more...]


text: Tessa Netting (@tessanetting) How are you real?? I'm serious @thejoemoses, I'm starting to question your existence because there is no way I have met and fell in love with the perfect, nerdiest, most incredible man in the entire universe. You HAVE to be fictional...Are you a superhero? A Jedi? A wizard? The Doctor? Because to me, you are all of those things. Every day you bring magic into my life. It's like you were meant specifically for me...and I'm so lucky that I found you. il y a 19 heures 174 13 666


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Offensive tackle Meneilk Watson, who is as Manchester as they come signed for the Denver Broncos this weekend as Free Agency continued to dominate the sporting headlines in America.
.@MenelikWatson's football allegiances have changed.— Denver Broncos (@Broncos) March 12, 2017
His @ManCity ties are as strong as ever.
» https://t.co/TdTVVaD3lI pic.twitter.com/RaCYUwcXi9
Menelik was drafted by the Oakland Raiders in the 2013 NFL Draft but has now been switched teams in the AFC West division and will wear the orange of the Denver Broncos who have won the Super Bowl on three occasions.
From the silver and black ... to the orange and blue.— Broncos TV (@BroncosTV) March 11, 2017
Get to know new #Broncos OT @menelikwatson
» https://t.co/ZmD0EI6oUW pic.twitter.com/oi0h7l17u7
He will be tasked with supporting the Broncos quarterbacks and blocking the defensive line from causing his quarterback problems.
We stole a Raider ... pic.twitter.com/h0uuIwaDEd— Denver Broncos (@Broncos) March 11, 2017


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A total of 11 adult literacy promoters in the Hardap Region were recently awarded with certificates of achievement for their effort in promoting lifelong learning to the illiterate community.
The awards were given during the official opening of the Adult Learners Week in Mariental on September 6. The annual event is celebrated the first week of September and coincides with the International Literacy Day celebrated worldwide on September 8.
Governor of Hardap Region Esme Isaack, who handed over the certificates to the promoters, advised the promoters to carefully plan their teaching activities, so as to encourage adult learners to attend the lessons.
She added that because of a lack of planning on the side of promoters, many lifelong learners tend to abandon their studies before completion.
"If you are not a well-planned promoter, then learners will become bored. Try to use colourful learning techniques to attract the attention of the learners, even if they are adults," Isaack said.
In line with this year's theme, 'Promotion of ICT in delivering literacy and lifelong learning for sustainable development', the governor highlighted the role ICT plays in literacy and lifelong learning, noting that any kind of technology can be used as a tool for extending human capacity.
"The mobile phone enables us to speak from wherever we are; television permits us to see what is happening on the other side of the planet instantly and the internet supports immediate access to and exchange of information, opinions and shared interests," said Isaack.
Echoing the governor's sentiments, Hardap Region's deputy director of lifelong learning Aletta Eises-Thanises said if possible, adult literacy learners can be assisted by their children to set up applications on their mobile phones, such as WhatsApp, SnapChap, Twitter and Instagram, as technology is fast becoming the learning tool in society.
She further encouraged the community to empower themselves in order to full fill their full potential.
"When a person is not literate, you are open to abuse, misuse and ill treatment. Education does not start in school and does not end with a university qualification, lifelong learning is a lifestyle. Literacy is important and Namibia through the Ministry of Education, is investing greatly in education," said Eises-Thanises.
The only Community Learning and Development Centre (CLDC) given the mandate to promote the provision of ICT among the community in the region is situated in Gibeon and has trained 91 members since 2013.
Another 627 members received training from community libraries across the region. Currently, the Hardap region has a total of 628 learners registered for the 2016/2017 lifelong learning programme.


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Frequently Asked Questions
Please click the questions below to discover the answers.
How do I access my accounts online?
What separates us from other financial advisors?
We stand apart from most of our counterparts because we are an independent, fee-based RIA firm. As an independent fiduciary, we firmly believe that we're better able to focus solely on our clients' best interests. We are also local, family owned and have been practicing in Salem for over three decades. We encourage you to read the "Why Choose Us" section of our website for more information.
What does being a Fiduciary mean?
The fiduciary standard was established as part of the Investment Advisors Act of 1940 and it requires advisors to put their client's interests above their own. In other words, the act stipulates that an advisor must place his or her interests below that of the client. The act encourages non-biased investment advice, free of conflicts of interest such as choosing investments with higher commissions.
This is a much more stringent standard than the suitability rule regulating registered representatives of Broker-Dealers. The suitability rule has two components: (1) that the product is suitable for the customer, and (2) that firms and investment professionals fully understand the products and transactions being recommended. Instead of being required to act in the best interests of the client, the investment professional must only have a reasonable basis for believing the transaction is suitable for the client.
Where will my money be held (custodian)?
As an independent hybrid RIA, we have access to many custodians (TD Ameritrade, Charles Schwab, Scottrade, Fidelity, Pershing, State Street, etc.) and use a few select custodians, depending on the type of investment account a client has. In fact, you may have a preference for a custodian for your investments, which we will certainly consider. Our custodian of choice is TD Ameritrade Institutional, one of the premier brokerage houses in the United States. TD Ameritrade Institutional provides comprehensive brokerage and custody services to more than 5,000 fee-based, independent registered investment advisors (RIAs). TD Ameritrade Institutional was chosen as our custodian of choice due to excellent credit ratings, financial strength and commitment to providing outstanding service and cutting-edge technology to both RIA advisors and their clients.
What is your investment minimum?
We typically work with clients who have more than $150,000 to invest. However, we will do our best to help anyone who needs our assistance and is serious about investing success.
How do I transfer my account to your firm? (or rollover my 401(k) or investment account)
Just provide us with a copy of a current statement. Our account services team will set up a new account and have your assets transferred into it.
How do I get started?
It's easy. Click on the "contact us" tab to shoot us an e-mail or call us to set up a complimentary initial meeting. Or if you prefer, click to find out more information on our AutoPilot Program, for a low fee, low minimum automated investment approach.
What are your fees?
Our fee schedule is a percentage of Assets Under Management:
Market Value of Account(s)
Annual Advisory Fee
Under $250,000
$500,000 - $999,999
We also provide fee-only financial planning. This service is for clients who wish to retain our advice and comprehensive financial planning services but desire to "do-it-themselves" regarding the management of their assets.
Our annual planning fees range from $1,500 - $5,000 and will be based on many factors as well as assets under advisement (similar to the assets under management fee schedule listed above).
Click on our ADV Form at the bottom of this page for full disclosure of fees, fee schedule and additional details.
Are your fees deductible?
The 2018 Tax Reform Bill states that investors will no longer be able to take an itemized deduction for investment advice expenses. For further information, please consult your tax advisor.


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Opportunity ID: DN301526
Title: PP17007 – Community Reablement Service
Categories: 85000000 – Healthcare Services
Re-ablement embeds a philosophy and approach which supports people to build on their current strengths and abilities which empower individuals to 'do things for themselves' rather than having things done for them. This is a short-term (up to six weeks) provision and encourages individuals to develop the confidence and skills to carry out these activities themselves and consequently, removes or reduces the need for ongoing domiciliary care, and other formal support.
This Service will be inclusive for people with dementia who have a functional diagnosis to remain active and connected within their community. People should not be excluded based on a dementia diagnosis. People should be assessed on the basis of their needs and strengths without prejudice about their potential to be re-abled.
Region(s) of supply: Wolverhampton
Estimated value: £575,000.00
Estimated contract dates
Start date
End date
Please click here for further information.
New to ProContract?
If you are not currently registered on the ProContract procurement portal, you can complete a simple registration process by clicking the following link – Register free.


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Mental Blocks and Resource Constraints
are closed
Tweet Welcome back, it's been a while since I've posted something real on my blog. This post has a bunch of business honesty and goes into my personal financial situation in depth. I'm sharing it with you to start a new conversation about where I'm going, and to make it possible to write openly from now on about my new path through life. See my deal with Upload VR isn't…Read more...
Tags:blocks , Constraints , mental , resource
Web therapy: 4 startups overcoming mental health taboos with technology
are closed
Tweet For a new generation of patients, could the laptop — or even cellphone — replace the stereotypical shrink's couch? A crop of new startups wants to take psychotherapy into the 21st century. About one in five Americans will experience a mental health challenge during their lifetime, according to the Substance Abuse and Mental Health Association. But experts say that 60 percent of them will never seek help. The lack…Read more...
Tags:Health , mental , overcoming , Startups , taboos , technology , therapy


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Running A Blog has become an integral part of Internet culture. It now seems that just everyone has a blog. If you want to start a blog, you need to plan ahead and have a clear idea of your goals. The advice in the following article will help you get your blog started on the right foot.
A good way to get more traffic to your blog is by making comments on other's blogs. If you like Google reader, create a separate folder in it for other blogs you're following. Visit these sites regularly and, when you do, leave comments.
Regularly post new content to your blog. This will help you to increase traffic, as well as maintain the current visitors you have. If you're lacking new and fresh content, people have no reason to revisit your blog. Try posting on a daily basis for your blog at minimum.
Include images with your posts. You must have heard that a picture is worth 1000 words. This is especially important when blog posting. Often, you will find that images can convey much more than words can alone. As such, be sure you use lots of images on your blog.
Read your reader feedback and respond to it in a neutral, positive manner, and don't let it get to you emotionally. Whatever the topic of your post, someone will disagree with it! Use any constructive criticisms to help improve your blog. With destructive or negative comments, respond politely and leave it at that. By being mature when dealing with commenters, you'll get more respect from your readers and you may attract new readers.
Use lists to communicate ideas effectively in your blogs. Whether you're blog posting about romance novels; the ingredients required to make a recipe; or how to repair a refrigerator; a list is very important. Lists allow readers to find the information they need easily, and make it easy to absorb.
Mailing List
Create a blog mailing list as soon as possible. Keeping this goal in mind early will ensure that you are growing your list from the start and on a regular basis. You can use the mailing list to help you earn money later on. It can be a paramount mistake to not begin a mailing list at the beginning of your efforts.
Exercise patience and remember that a new blog doesn't become popular overnight. It takes a while, even years, to build to great success as people find your blog. Also, in the early stages of your blog, there just won't be that much content for visitors to read. It is natural for a blog which has been around a long time to attract the most visitors, so hang in there!
Today, there are a huge variety and quantity of blogs on the Internet. While blogs are started for a variety of reasons, they all have the goal of getting their message across to their readers. Use the information in the piece you have just read to help you craft a blog capable of delivering your message to the right people.


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Making music is a very enjoyable and rewarding hobby, but it is also a pretty expensive one. Most musicians prefer to have their own home studios so that they can create their music in a place that is truly theirs and one that offers them all of the privacy that they need. However, creating a home studio comes with a set of challenges, and one of them is trying to stay within your budget range without compromising the quality of your sound. With that said, here are some of the best microphones available on the market that can be used in a home studio. Check out The Mic Check for the best podcasting microphones
Shure SM57
Who says that great sounding microphones have to cost you an arm and a leg? The Shure SM57 can be yours for only a mere $100. Many reputable music producers say that Lenny Kravitz is a pretty big fan of this particular microphone model as he has been using it for just about everything, from guitars to voice, and even drums. This is also a great microphone if you love using distorted guitars.
You can also check the best studio mic at The Mic Check
Shure SM58
The other Shure model is one of the industry's most popular vocal microphones and can also be yours for only $100. This baby cuts the budget pretty nicely because you can use it in the studio live! While there might be other much better microphones out there that can produce higher quality sounds, this one is still a pretty good choice for musicians who are on a budget. Vocalists who love to scream or hit high notes in their songs will find this mic to be a pretty good addition to their studio as it can take in a good amount of screaming without getting distorted.
Shure Beta 58 A
The Shure brand makes its way on the list for the third time and for this spot we are going to be looking at the Beta 58 A. Prices for this microphone can be anywhere from $100 to $200. It is a far superior mic compared to the SM57 and SM58 as far as vocal applications are concerned.
Rode NT3
The NT3 can be yours for $200, but some stores may have them for as much as $300. However, you might be able to find a good deal if you can resist your urge to shop impulsively. If you love making acoustic music, then this is the microphone for you because it sounds wonderful with acoustic guitars, drums, and percussions, especially when combined with a SM57 plugged into the hole. It is also a great choice for vocals, unless you are a recording baritone or bass singer.
TheMicCheck.com also reviews the best usb microphones online.
Rode NTK
If you want a mic that has been used by Chad Kroeger of Nickelback and has a classic look to it, then the Rode NTK is the one for you. The Rode NTK comes in at $500, which might seem a bit expensive to be on this list, it is always a smart choice when you invest in a good condenser. The NTK is perfect for singers who have very loud voices because this mic can take a pretty good vocal pounding without distorting. For $500, this microphone is a pretty good choice if you want something that is durable, high quality, and affordable.
Audio Technica AT2020
The Technica AT2020USB condenser microphone is being sold somewhere between $100 and $150. It might be cheaper than the Rode NTK, but it is an excellent microphone that can work well in any home studio since it is designed so that you can get the absolute most out of your money. It can record just about everything, from drum overheads and strings, and it is light enough to be used in this type of setting.


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shopping at CVS is your CVS ExtraCare Card. You have got to sign up for one of these babies because they really help you rack in the savings - all you have to do is ask for one at your local CVS. One you have your precious CVS ExtraCare Card make sure you sign up for e-mails from CVS to get valuable CVS coupons in your inbox including a $4 off $20 CVS coupon!
NOTE: you might want to wait to purchase a Greenbagtag because there are occasionally coupons or sales which make them FREE as well!
ExtraCare Card - Check - Greenbagtag - Check - Magic Coupon Machine - Check.... Now what the heck is an ECB??? An ECB is the abbreviation for ExtraCare Buck. These bad boys are almost as good as cold hard cash!
Every week CVS has sales in their ad where you receive ExtraCare Bucks for purchasing certain items. How it works is: you buy said item and the ECB will print out on the end of the receipt. You can then use those ECBs on almost anything else in the store (exclusions are alcohol, tobacco and gift cards) either right then and there or at a later date. ECBs are usually good for several weeks so you can roll them (use your ECBs from this weeks sales on next weeks ECB sales and receive more to use on the next weeks and so on)!
Now here's where the real magic happens - many times the items that are FREE or super cheap after ECBs also have current manufacturer coupons (whether printable or in the Sunday paper) can be used on them. So you can buy an ten which is FREE after ECB use your manufacturer coupon for X dollars off only pay the price minus X and still get back the full ECB value - its like MAKING MONEY to buy the product.
One of my absolute favorite things about CVS is that they will issue a Rain Check for any sale items they don'y have in stock (even the FREE after ECB items)! This way if you rush to the store all excited to get your freebies only to find out that someone has cleared the shelves, all you have to do is ask for a Rain Check and you can get your deals another week when they have the item back in stock!
Six Steps to CVS Success
- Your ExtraCare Card is your best friend
- Think green - Remember your Greenbagtag
- Run to the Magic Coupon Machine
- Stacking Coupons to multiply your savings
- Bring a copy of CVS's Coupon Policy
- If they're out of something always ask for a Rain Check


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Inner Armour
Inner Armour L-Glutamine - 300 gm
Regular Price: Rs. 2,350.00
Special Price Rs. 2,050.0013% off
Inner Armour Super Quad Protein - 4lb
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Inner Armour Muscle Rush Peak - 138gm
Regular Price: Rs. 2,550.00
Special Price Rs. 2,200.0014% off
Inner Armour Whey protein -5lbs
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Inner Armour Casein Protein - 4lbs
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Inner Armour Creatine Monohydrate - 300gm
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Inner Armour Amino 2000 - 500 Tablets
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Special Price Rs. 2,750.0010% off
Inner Armour Nitro Peak - 4lbs
Regular Price: Rs. 5,200.00
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Inner Armour Muscle Peak - 5lbs
Regular Price: Rs. 5,250.00
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Inner Armour Hard Mass Gainer -5lbs
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Special Price Rs. 2,900.0017% off
Inner Armour Super Quad Protein - 10lbRs. 10,200.00
Inner Armour
INNER ARMOUR nutrition provides the best result that can you make famous. We offer you the most effective, cutting edge, clinically tested and banded substance free sports nutrition products the world to offer. With the products such as PEAK CASIN PROTEIN, repair body muscles released of amino acids, PEAK MASS, to increase lean body mass, strength, build muscle, MUSCLE RUSH PEAK to help support focus, size, power, and strength as well as burn fat. Exercise without recovery is useless and can actually work against muscle growth. Inner armour's products are formulated by scientist, products developers, and trainers to deliver the highest quality standards and most powerful nutritional supplement brand in the world.


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Status: Closed
Know more about this business than we do? Cool! Please submit any corrections or missing details you may have.Help us make it right
Be the first MLive.com user to add photos or videos of Copeland Center
Located in Wyandotte, the Copeland Center is a community center and venue that is available for rent. This location has a banquet room and television room, and hosts community and private events. Call for information on rates and amenities.


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Legolas 11:58 22 Nov 2003
Here is the way I did it. Go into your BIOS probably by hitting the 'delete key' at boot up.
Choose the option that allows you to see the drives you have installed, probably the first one in the BIOS. The drive options here will most likely be set to 'Auto' use the 'up' 'down' keyboard keys to scroll down to your HDD and when it is highlighted press 'Enter' on your keyboard and it should change to user from auto and the HDD info will be shown. Mine was 16 logical heads.


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What are the Manufacturing Leadership Awards?
Frost & Sullivan's Manufacturing Leadership Council developed the Manufacturing Leadership Awards to honor manufacturing companies and leaders that are shaping the future of global manufacturing. Now in their fourteenth year, the Manufacturing Leadership Awards have honored hundreds of innovative manufacturing companies from around the world.
Who can nominate a project?
The ML Awards are for manufacturing companies and individuals with experience leading manufacturing companies. Anyone can nominate a ML Award candidate by describing their high-impact manufacturing-related projects and achievements using a downloadable nomination form. The project and individual achievement described in the form will be evaluated and scored by our distinguished panel of judges along with Manufacturing Leadership Council researchers. Nominations may be coordinated by partners, but manufacturers that have nominations submitted on their behalf must approve the nomination.
How are the applications judged?
Applications will be judged in 11 categories. ML Awards winners are selected based on evaluations by a panel of expert judges. The manufacturers whose nominations receive the highest scores are designated as ML Awards winners. The manufacturer receiving the top score in each of the 10 project categories is selected as a High Achiever.
Winners of the Manufacturer of the Year and Manufacturing Leader of the Year Awards are selected through a collaborative process based on editorial and expert judge evaluations. The winner of the Lifetime Achievement Award is selected through a collaborative process and vote by the Manufacturing Leadership Council's Board of Governors.
Are there licensing or other costs for receiving or promoting a Manufacturing Leadership Award?
No, the ML Awards are not licensed awards. Apart from the nomination fee of $295, there are no costs for winners to receive or promote the award. In addition, winners are invited to attend the Manufacturing Leadership Awards Gala at no charge.
How is the information provided on the nomination form used?
All information included in the nomination form is considered private and will only be viewed by editorial staff along with the ML Awards expert judges.
The Manufacturing Leadership Council may draw on the information in preparing profiles of the ML Awards winners, but inclusion of nomination form information in these profiles will be subject to the approval of the winning company.
What are the award categories?
There are 11 award categories. Click HERE for more information on the categories.
How will I be recognized for my efforts?
ML Awards winners will be recognized during a gala awards ceremony following the 2018 Manufacturing Leadership Summit in June of 2018. Winners have the option of using the ML Award logo in marketing their achievements. Additional marketing assistance is available from the Manufacturing Leadership Council.
Can I submit multiple awards?
Multiple submissions will be accepted, but each submission must relate to a distinct project or individual achievement. No enterprise may receive more than three ML Awards in a single year.
How much does it cost to nominate a project or individual?
The fee for submitting an application is $295 per nomination.
What is the deadline for submitting a nomination?
The deadline for submitting a nomination is January 15, 2017.
Can you provide an example of a completed nomination form?
To view an example of a successful PROJECT nomination entry, click HERE.


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Well, it's hard to believe that summer is coming to a close, school is about to start (insert happy dance here), and we're preparing ourselves for the change in weather. I love the changing seasons, the anticipation of the fall colours, the snow that's going to fall, and then before you know it, we'll be back to spring and summer again.
Sometimes I have to think ahead, and start promoting events that could be useful for clients who are looking for gifts for their family members for Christmas.....eeekkk......I can't believe I said it. Don't shoot me. It's coming and these do make great gifts!
2014 Fall Mini's
Mini sessions are where you book a block of time with me to have your family photos done, in this case they're twenty minutes. If you'd like to book a fall mini session, or have questions send an email to: firstname.lastname@example.com.
It's Contest Time!
I cannot believe that it has been three years since my Nominate Someone Special Contest. One of the most incredible families I have ever had the pleasure of meeting and working with won that contest. So, lets do it again!
Announcing the 2014 Nominate Someone Special Contest. If you know of someone who has made an impact on your life or someone else's, and you would like to nominate them, send me a letter telling me why. I want to hear their story. Email your nomination letter to me at: firstname.lastname@example.com. Contest closes at midnight October 15, 2014.
Do me a favour will ya and help me get the word out! Click those social media buttons!
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January (3) February (3) March (2) April (2) (2) May (2) June July August (1) September (1) (6) October (6) November December
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December 2002By Thomas Ellis
Why Bad Things Happen to Good Catholics. By Fr. Henri Morice. Sophia Institute Press. 160 pages. $14.95.
This book takes on some of the most profound theological questions regarding Gods Providence a rather daunting task for a book of only 160 pages! Fr. Morice considers our role in the divine plan, how God communicates this to us, why bad things happen even though we are living up to our end of the bargain, how to respond to Gods call, and why playing the role allotted us will bring us peace. As the title suggests, this work presupposes that the reader has faith. This is not a treatise designed to convert an unbeliever or to give a final answer to the most difficult questions. Rather, it is a work addressed to believers who have questions about Providence. For example, when Morice considers the purpose of temptation, he responds that temptations in the believer bring about the virtue of humility. This is the format of argumentation throughout. The result? A heightened sense of trust in Gods Providence even though bad things continue to happen.
Aquinas's Shorter Summa. By St. Thomas Aquinas. Sophia Institute Press. 412 pages. $22.95.
A few years before his death, St. Thomas Aquinas wrote the Compendium of Theology as a summary and defense of the truths of Catholic Faith. Sophia Institute Press has published this invaluable source of wisdom under the title Aquinass Shorter Summa. (This work is a short version of what many consider his daunting and difficult masterpiece, the Summa Theologica.) It is a book that anyone with the slightest flicker of faith would do well to study. St. Thomas considers all of the tough issues: the Trinity, Divine Providence, the Incarnation, Hell, and a host of others. This edition includes, aside from a thorough index, a detailed list of topics for quick reference. This work has been previously published, in hardcover, by Sophia Institute Press under the title The Light of Faith.


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Bloomington Area Cessation Resources
Because smoking is a complex habit that encompasses physical, behavioral, and psychological aspects, smokers need a plan that addresses these aspects simultaneously. The best chance for long-term success happens when the quit plan includes the two components below.
1. Consult a health or medical professional. Your doctor, dentist, or other health professional can provide insights into the risks of smoking as it relates to you personally. They can also help you with information about the proper use of medication and nicotine replacement products.
2. Check out all available resources. Following is a list of cessation resources available on the Bloomington campus, in the community, and on the Web.
Campus resources
The Quit For Life® Program is a tobacco treatment program available to full-time Academic and Staff employees and spouses who are enrolled in an IU-sponsored medical plan.
To enroll in Quit For Life, call 1-866-784-8454 or visit the Quit For Life Program Web site.
See also Tobacco Cessation Prescription Benefits
Local resources. Before participating in an event, call to confirm location, date, and time.
Free on the Web


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Customer Reviews
All reviews are from people who have redeemed deals with this merchant.
October 4, 2013
July 13, 2013
June 30, 2013
What You'll Get
Without wax, candles would just be limp strings and important documents would be sealed with kisses. Put wax to work with this Groupon.
Choose Between Two Options
- $30 for one Brazilian wax (up to a $60 value)
- $85 for three Brazilian waxes (up to a $180 value)<p>
Calling upon her years of waxing experience, Catelyn removes unwanted hairs from the Brazilian area with a special Cirepil wax designed for use at lower temperatures. Childcare is available for mothers with children during the procedure.<p> Though Catelyn's Place sometimes features a discounted price online, this Groupon still offers the best deal available.
The Fine Print
Promotional value expires Sep 26, 2013. Amount paid never expires. Limit 1 per person, may buy 1 additional as a gift. Limit 1 per visit. Valid only for option purchased. Appointment required. 48hr cancellation notice or fee up to Groupon price may apply; no-shows or cancellations within 4hrs may result in a $30 fee on Tues-Fri or up to $50 on Saturday. Cancellation penalties may not exceed Groupon price. May substitute bikini wax for Brazilian wax. Not valid 4/20-5/4. Merchant is solely responsible to purchasers for the care and quality of the advertised goods and services.
About Catelyn's Place Salon and Day Spa
The eponymous owner of Catelyn's Place Salon and Day Spa doesn't draw a line between results and relaxation. Her med-spa treatments combine detail-oriented care and constant communication to ensure a comfortable experience for all clients. Catelyn's three types of body wraps boost skin's health with hydrating ingredients and therapeutic oils, and her personalized facial veers off course to include a decadent foot massage. During her waxing treatments, Catelyn uses a special formula infused with ingredients designed to make skin less sensitive to pain and yo' mama jokes.


text: Three rows pachi work polki long chain with antique work parrot motifs and flower motifs with rubies decorated throughout the long chain. Heavy pachi work peacock two step pendant attached in the center. Flat diamonds, pota ruby, emeralds decorated all over the pendant and south sea pearls drops hanging across the bottom of the long set. Approximate weight is 117 grams.


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New conceptual framework for understanding poverty
Sida launches a new conceptual framework for understanding poverty in multiple dimensions. The framework is part of an initiative by Sida to further strengthen its poverty focus and its contribution to Agenda 2030.
"The 2030 Agenda calls on us to end poverty in all its forms everywhere and to leave no one behind. This requires a historic and concerted effort and to put poverty back in focus", says Susanna Gable, Sida's Chief Economist.
As part of this historic challenge Sida is launching an updated approach to multidimensional poverty in a new publication Dimensions of Poverty: Sida's Conceptual Framework.
The underlying understanding is that poverty is not only about lack of resources, but is the result of different forces that combine to enable or prevent change. The model, which puts who at the centre of the analysis, challenges us to go beyond averages and to understand the situation for different groups, emphasising poor peoples' perspectives.
Four dimensions of poverty are defined in the updated approach:
- Resources
- Opportunities and choice
- Power and voice
- Human Security
Lack of human security is now added as a specific dimension of poverty, reflecting the insight that violence and insecurity limit an individual's path out of poverty. Compared to many other definitions of multidimensional poverty, Sida also emphasises lack of power and voice as a dimension of poverty. Through linking the different dimensions and clustering them together, new knowledge is gained about who is poor, how poverty is experienced by different groups, as well as the underlying causes.
Dimensions of Poverty gives guidance on how Sida views multidimensional poverty and provides a shared understanding of multidimensional poverty. The five perspectives: poor peoples' perspectives, the rights perspective, conflict perspective, environment perspective and gender perspective; are integrated. The approach facilitates a holistic view on development, combining the perspectives in relation the overall goal to reduce poverty.
Dimensions of Poverty is intended to contribute to Sida's understanding of the contexts where it works and to highlight how Swedish supported interventions contribute to poverty reduction. Furthermore, Dimensions of Poverty is expected to serve as an instrument for dialogue with partners and as a guide for assessing other actors' poverty and contextual analyses.


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|» Products
|» HDPE woven Fabric
Working with a goal to gain maximum customers' contentment, we always strive to manufacture, supply and export quality assured HDPE woven Fabric. This product is primarily used for the purpose of wet filtration in industries like chemical, textile, printing, rubber & various others. Being an eminent firm, we offer premium woven fabrics as per the specific demands of the customers. Apart from this, our offered HDPE woven Fabric has become preferred choice of our esteemed customers owing to its following properties:
Other Details:
25 " monalisa , 50 meters , weight = 4.100 ~ 4.250kg


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San Leandro, CA Air Conditioning, Heating, Boiler and Air Duct Services
Superior Mechanical Services, Inc. provides air conditioning, heater, boiler and air duct repair, service, installation and services in San Leandro CA and surrounding areas.
Check out what some of our customers are saying about Superior Mechanical Services, Inc., Air Conditioning, heating, boiler and air duct services.
Local Reviews
for San Leandro, CA
Contact Us for your service today.


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- Latest available (Revised)
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There are outstanding changes not yet made by the legislation.gov.uk editorial team to Synodical Government Measure 1969. Any changes that have already been made by the team appear in the content and are referenced with annotations.
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This section lists the changes and effects yet to be applied to the whole Measure, associated Parts and Chapters where applicable. This includes any insertions of whole new Parts, Chapters or provisions yet to be inserted into this Measure. These effects are included in this view as they may be (but won't necessarily be) relevant to the specific provision that you are viewing.
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This section lists the commencement orders yet to be applied to the whole Measure. These effects are included in this view as they may be (but won't necessarily be) relevant to the specific provision that you are viewing. Where applicable the commencement orders are listed under two headings, firstly those that bring some part of the Measure you are viewing into force and secondly, those that bring into force legislation that affects some part of the legislation you are viewing. If you are viewing a prospective version or there is a prospective version available there may be commencement orders listed here that are relevant to the provision you are viewing.
Commencement Orders bringing legislation that affects this Measure into force:
[F138](1)Subject to any division of a diocese under this rule every diocese shall be an electoral area for the purposes of elections to the House of Laity.E
(2)So far as is consistent with any rule made under the Standing Orders of the General Synod under [F2rule 39(8)][F3and subject to paragraph (3) of this rule] a diocesan synod may, for the purposes of any election, divide a diocese into two or more areas, and apportion the number of members of the House of Laity to be elected for the diocese among such areas, and the election shall be conducted in each area as if such area were a separate diocese. Where a diocese is so divided, a diocesan elector who is a representative of the laity shall vote in the area to which the body by which he was elected belongs, and a diocesan elector who is not a representative of the laity shall vote in such area as the diocesan synod may decide. Any such division shall remain in force until it is revoked by the diocesan synod.
[F4(3)If a diocesan synod decides to divide the diocese into two or more areas in pursuance of this rule the division shall be made in such manner that the number of members to be elected in any such area will be not less than three.]
Annotations are used to give authority for changes and other effects on the legislation you are viewing and to convey editorial information. They appear at the foot of the relevant provision or under the associated heading. Annotations are categorised by annotation type, such as F-notes for textual amendments and I-notes for commencement information (a full list can be found in the Editorial Practice Guide). Each annotation is identified by a sequential reference number. For F-notes, M-notes and X-notes, the number also appears in bold superscript at the relevant location in the text. All annotations contain links to the affecting legislation.
Amendments (Textual)
F1Sch. 3 rule 38 (originally 32) renumbered (1.1.1995) by S.I. 1994/3118, para. 36.
F2Words in Sch. 3 rule 38 para. (2) amended (1.1.1995) by S.I. 1994/3118, para. 63, Sch.
F3Words inserted by S.I. 1973/1865, para. 21(1).
F4Rule 32(3) added by S.I. 1973/1865, para. 20(1).
Latest Available (revised):The latest available updated version of the legislation incorporating changes made by subsequent legislation and applied by our editorial team. Changes we have not yet applied to the text, can be found in the 'Changes to Legislation' area.
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So much for high hopes for accelerated loan growth at community banks.
Just a few months ago, many industry observers predicted blowout first-quarter results from smaller institutions, largely based on optimism after the passage of sweeping tax reform. The mood now, given bankers' commentary and fears of a trade war, is more subdued.
So expect analysts to ask more questions about pent-up demand during upcoming quarterly conference calls.
"It appears that the tax cut has not spurred on loan growth, so I think people will be looking forward to see how pipelines are building ... and if we're starting to see signs of that potential benefit," said Brian Zabora, an analyst at Hovde Group.
"We were expecting the tax cuts to free some pent-up demand and get some businesses investing," said Joseph Gladue, an analyst at Merion Capital Group. "Increased uncertainty may have muted some of the benefit" of lower taxes.
Recent data from the Federal Reserve and guidance from bankers also indicate tempered growth.
"We had hoped to see ... more demand from existing clients or capital expenditures, more financing," Keith Cargill, president and CEO of Texas Capital Bancshares in Dallas, said in early March during a conference hosted by Raymond James. "That has just not showed up yet."
Texas Capital is hopeful that more clients will make capital expenditures once they realize that favorable writeoff provisions exist in the tax law, though it is unclear if that will happen in the second quarter, Cargill added.
Cargill isn't the only banker prepping investors for a delayed benefit from tax reform.
"We talk to various management teams and the commentary and the body language around loan pricing was a little bit more negative," said William Wallace, a Raymond James analyst.
A number of specific narratives will also gain added attention when calls begin in earnest.
Banks around New York, notably those that focus on multifamily and commercial real estate, could struggle to book loans at attractive yields, said Collyn Gilbert at Keefe, Bruyette & Woods.
"We've heard some discouraging anecdotal comments throughout the quarter that loan pricing … has come under significant pressure," Gilbert said, attributing the trend to smaller banks that are reducing rates to accelerate loan growth.
"The thought was it would take some time — maybe later this calendar year — before we started to see pricing pressure," Gilbert said. "It seems ... that it is happening more quickly."
Mortgage lending is another likely soft spot. The Mortgage Bankers Association has forecast a double-digit decline in originations from the fourth quarter. Industry observers believe most of the decline will be tied to refinancing activity.
"Some of the banks we follow have been encouraged by the purchase market, which is more contingent on the strength of the economy and jobs," Gilbert said. "They have in the last couple years really been shifting their business models away from refinance."
Reduced mortgage production could cut into fee income for community banks, most of which tend to sell their loan production. However, mortgage servicing rights typically benefit from a rising rate environment.
A slowdown in mortgage originations has led a number of banks to move into Small Business Administration lending, Wallace said. "The volume in the SBA program has been strong in last five years," he said.
Another area to watch is credit quality, which has surpassed expectations lately. Other than a few specific segments, portfolios have held up well in recent quarters.
Analysts began 2018 predicting higher reserves, only to hear bankers discuss lower chargeoffs and stellar loan performance, Gilbert said.
"So we are sort of waiting for that inflection point," she said.
Hilary Burns and Jackie Stewart contributed to this article.


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Abrasive blasting is in regular use across many industry sectors for the removal of rust, scale, paint and other surface preparation processes. Abrasive blasting entails accelerating a grit of sand sized particles with compressed air or water through a blasting nozzle to provide a stream of high velocity particles used to clean metal objects such as steel structures or provide a texture to poured concrete. Due to the dust generated by abrasive blasting, this process is required to be performed in a fully enclosed area such as commercially built blast rooms, blasting yards, or on-site (such as bridges or buildings) in a temporary enclosed area.
Abrasive blasting can be extremely labour intensive and hazardous; workers have to spend long periods of time handling forces exceeding 150N (~15kg), and often have to position themselves into difficult poses and positions in order to blast hard to reach areas. Because of the muscle fatigue it is common for grit blasters to need to rest every 10 or 15 minutes before resuming blasting.
Dry blasting creates a great deal of dust and particulates that can contain hazardous chemicals from the materials being removed, including lead-based paints; for this reason grit blasters are required to wear full personal protective equipment (PPE) whilst in the work environment.
As a result of these significant risks, Occupational Health & Safety measures represent significant, yet essential costs, and can have a direct affect on the overall productivity of the surface preparation process.
A common application of abrasive blasting is in the maintenance and rehabilitation of steel bridges and other large steel structures. Workers are forced to work in complex, enclosed spaces for long periods of time, whilst wearing full personal protective equipment.
Since 2006, researchers from the Centre for Autonomous Systems at the University of Technology, Sydney and the Roads and Maritime Services NSW (RMS) have been collaborating on the research and development of an autonomous grit-blasting system for steel bridge maintenance and rehabilitation.
RMS are responsible for the ongoing maintenance of more than 500 steel bridges in NSW, and with worker health and safety at the top of their agenda, RMS have taken an active role in finding ways to reduce workers exposure to the hazardous abrasive blasting activity.
The result of all of this cutting edge research and development is the world's first autonomous grit-blasting robot, capable of operating in complex environments and without prior knowledge of the structure that needs blasting. The project was so successful, that we formed Sabre Autonomous Solutions to develop the technology for the broader abrasive blasting industry in Australia and overseas.Further Bridge Information
We couldn't have done it without our team!
As a collaborative research project it involved Professors,academics, PHD Candidates, Masters and undergraduate students, professional engineers, blasters & painters.
2006 – Scoping Study
Jointly funded by the University of Technology, Sydney (UTS) and the Roads and Maritime Services NSW through Partnership grant.
This stage focused on a scoping study, proof of concepts and a prototype platform development to determine whether it was feasible for robots to operate in this highly complex environment.
2007 – Enabling methodology and prototype development
Following the successful Scoping Study, the next stage was jointly funded by RMS, the Australian Research Council (ARC) and UTS between 2007 and 2010 and focused on:
- Safe autonomous exploration/mapping in unknown environments
- Data fusion/large-scale map generation
- Investigating path planning techniques for quality blasting
2008 – Innovations Achieved
With early prototypes constructed, the software and hardware were integrated and tested.
2009 – 1st Trials at Sydney Harbour Bridge
A six week blasting trial at the Sydney Harbour Bridge led to:
- Identification of blasting parameters
- Achieved 90% coverage of test area
- Proved feasibility of autonomous
2010/2012 – Deployable Robot Development
With significant support from both RMS and UTS this stage was to
develop two operational robotic systems for extensive evaluation, testing and long-term use by RMS.
- New ultra light weight customised Schunk Robots
- Significant reduction of scanning times with new template matching algorithms
- Optimised trajectory planning and robot placement
- 2nd generation prototype developed
- Cooperatively designed Operator Control Unit
2013 – Handover to the Sydney Harbour Bridge
Two 3rd generation autonomous blasting systems were built, commissioned and handed over to RMS following successful final trials. The two systems remained in operation until project completion in July 2015.
2013 – SABRE is born
Burwell Technologies, Australia's leading abrasive blasting manufacturer joined forces with UniQuest to commercialise the technology to service the global abrasive blasting market. The system was presented at international trade shows and developed in partnership with project partners.


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City of Davis, CAHome Menu
Patrol Division
The Patrol Division is the largest division in the police department. The division includes 5 patrol teams, 1 K-9 officer, 1 Downtown Bike Officer, the Traffic Unit, the Parking Enforcement Unit, the Crime Analysis/Crime Prevention Unit and the Police Services Specialists (PSS).
Patrol handles thousands of calls for service each year, ranging from very minor non-criminal issues to major crimes in progress. The division embraces Community Policing and relies on a partnership with the community in order to be successful in reducing and preventing crimes.
The Patrol Division is staffed with 1 Lieutenant, 6 Sergeants, 5 Corporals, 34 Officers, 1 School Resource Officer (SRO) and 1 Police Services Specialist.


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Flow Dental X-Ray Equipment and Supplies
Flow Dental X-Ray Equipment and Supplies
Family owned since 1931, Flow Dental has consistently produced high quality products for dental professionals. Flow Dental has a variety of products in film and digital imaging, x-ray machines, radiation protection, and more. Whatever X-Ray equipment your dental office requires, Flow Dental is sure to meet your needs with their high quality, economical products.
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Getting Started
Finding Solutions
Our partnership with local professionals helps us assess your needs and provide solutions. We can help with financial assistance, interior design, construction, installation, and routine maintenance. Our first order of business is a needs assessment conducted in your home. We will do a survey of your home, discuss our observations and collaborate with our partners. We will make recommendations and propose the best solution that will adapt your home into a more livable environment. *Whether you have an immediate need for home modifications due to a chronic or recent condition, or you are planning a remodel and want to incorporate aging-in- place features, Adaptive Living Partners should be the first call you make.


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Victorias Academy-Cosmetology
23 W 1st Ave, Kennewick, WA 99336
(509) 586-9979
23 W 1st Ave, Kennewick, WA 99336
(509) 586-9979
Regular Hours
Primary Phone: (509) 586-3739
Victorias Academy of Cosmetology
Victoria's Academy of Cosmetology
Parking: Lot
No coupons available
My daughter attended Victoria's. The best thing about Victoria's is that they accept student aid. The finacial adviser was VERY helpful. Overall the education was good. She finished the cosmotology school and went back for the extended esthetician portion. She really liked this instructor.
If you choose to attend this cosmotology school, I would recommend you DAILY have the instructor sign your personnal day planner with the hours that you attended.
I would have given more stars, but BEWARE!!!!!! The greatest complaint among the STUDENTS was the mysterious missing hours. If a student does not complete their contract on time, it costs the student $10/hr for missing hours. Days would mysteriously disappear from my daughter's attendence. She will end up paying an extra $10/hr for at least an extra 150 hrs.
The catch is that the school holds back a portion of the student's aid "just in case" they don't complete by contract. This way they are assured the extra money.
I was saddened when I read your review. The only way a student has to pay an extra $10/hr upon completion is if they have missed more than 12 days during their training and never have made up those days. Attendance is kept on a computer so no students hours can disappear. We have never held any students aid, we would have to have written permission from the student to do that. I am so glad your daughters education was good, we work hard to give our students a great education and experience. I wish you would give me a call, I think there has been some poor communication and I would really like to get it cleared up. Thank you...Victoria Kile


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Tkay Maidza Still Can't Believe She Rapped For Kate Middleton & Prince William In Australia
We caught up with the talented Aussie singer/rapper Tkay Maidza at Governors Ball in NYC on June 2! She's headed back to the studio, but first, Tkay reminisced about the wild conversation that she had with Kate Middleton after she performed for the royal couple in 2014.
This conversation with Tkay Maidza has been edited and condensed for clarity.
You just finished a bunch of American dates. What were the highlights?
Oh, man. We started off in Alabama for Hangout Festival, and the site was incredible. The VIP section had a swimming pool and jacuzzi! Everyone was so nice. The festival was considerate to the artists, too, where nobody'[s set time conflicted.]
I was at Boston Calling in Massachusetts over Memorial Day Weekend, and the crowd was really into your set. It was awesome.
There's something about what I do, where a lot of people will just stop by, then stay. They just want to dance, and I love that. That's the whole point of what I do. I want everyone to enjoy the moment and be happy.
Your hype man is amazing, too. I love that he was wearing a Harvard letterman jacket during the show.
Oh, my God. James [Earl III] is an actor, so he's been on Scream Queens and whatnot, he's like a meme.
I remember him on Scream Queens! He played the candy striper. I had no idea that was him.
He's a producer and has worked with Kendrick Lamar; he's so good. We see the Harvard shop [in Cambridge], and ten seconds in, he's already bought a jacket. Then he's like, you should buy something, and he's a bad influence, so I ended buying a jacket as well. [Laughs]
So after this, you go back to Australia, right?
Yeah, I'm doing some festivals — I think I've played every festival in Australia at this point. Now I'm doing the lowkey ones and re-jigging my vibe.
Do you have a backstage ritual?
My new thing is to take Polaroid photos. This last tour has been a rush, so I haven't had any real rituals. Usually it's like, "Ah, we're late, we have to go on!"
What's the weirdest or most unique venue you've played?
I played a dive bar that sold sushi and stuff. Another weird gig was, I played for Prince William and Kate Middleton.
No way! You rapped for Kate Middleton?
Yeah, they came to Australia, and I had to play for this government initiative thing, for our community center [in Adelaide.] I had just signed a record deal…so they came on a tour, and I had to play a song on national TV.
What did you sing?
It was "Brontosaurus" and it was weird. Prince William was like, "Congratulations on your record deal," and I was like, "What? Who told you?" Kate was like, "Yeah, I was trying to get Will to dance, it was so embarrassing," and I was looking at the ground the whole time. It was crazy.
You've collaborated with Martin Solveig and Troye Sivan. Who else do you want to collaborate with one day?
My dream is to work with people like Cashmere Cat, Kanye West, Pharrell. I want to go more deep into the soulful side of hip-hop and dance music.
Are you working on new music?
Yeah, I'm back into the studio right after this. I'll have a session here [in New York] and in LA, on the way back to Australia.
If someone hasn't heard you before, what song should they listen to first?
"Ghost" is like my favorite song, and I love to play it live. If someone likes pop, I'd say "Simulation."


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2014 Alumni and Founders Awardees
The 2014 Founders Day Celebration and Alumni Reunion Brunch and Awards Ceremony were combined this year, bringing our Founders Day celebration back to Alumni Reunion Weekend and honoring our distinguished Founders and Alumni Awardees. The 2014 award recipients are presented below.
Young Alumni Award
Jenna Grush '07
The Young Alumni Award recognizes a traditional age Fontbonne alumnus or alumna who graduated within the last fifteen years. It is given for outstanding achievement in a career field, service to the university or community service.
As a Fontbonne student, Jenna Grush was a member of numerous organizations such as: The Fontbonne Activities Board, FOCUS, Fontbonne in Service and Humility organization, several honors associations including; Kappa Gamma Pi as an undergraduate and Omicron Delta Kappa and Phi Kappa Phi more recently as a graduate student, The Human Service Club, Fontbonne Commuter Advisory Board, Fontbonne Mission & Heritage Committee, Fontbonne Student Government Association, etc.
This complimented her community work, as Alumni Board Secretary, Chair of the Graduates of the Last Decade alumni committee, Big Brothers/Big Sisters volunteer, and an Amate House volunteer. Despite this busy schedule she still found time for 6 Fontbonne Mission service trips where she was leader, planner, or volunteer.
Jenna has represented the University and the class of 2007 with dedication, humility, and grace. She continues her involvement today as an Assistant Director of Admissions at Fontbonne, recruiting & enrolling new students to the University.
Service to the Community Award
Don Gillespie '79
The Service to the Community Award is given to a Fontbonne University alumnus or alumna recognizing outstanding contributions made to the community.
For 34 years Don Gillespie, a Vianney High School graduate, has been a special education teacher working with children with behavioral disorders. The last 17 years he spent as an alternative classroom teacher. From his own childhood experiences with childhood abuse, he developed a keen interest in human behavior. He used this to develop relationships with students whom others discounted or threw away. He became a father figure to some, giving them money for lunch, clothing, and the motivation to prove doubters wrong.
Don ran the Lets Attend to Education program (L.A.T.E.)for at risk students who could not deal with the normal daytime routine of the classroom, and earned the Teacher of the year award at Northwest High School. He has received countless nominations for staff member of the month, and letters of excellence and awards, but what really matters to him is that since the alternative classroom and night programs began, Don has helped over 45 at risk youth graduate from high school.
Professional Achievement Award
Martha Willis Graham '73
The Professional Achievement Award is presented to a Fontbonne University alumnus or alumna in recognition of professional accomplishment.
For 27 years, Martha Willis Graham has worked in education for Kansas City Public Schools, where she has been the state & national representative for The American Federation of Teachers, a grade level & professional development chairperson, science liaison, a sponsor to the National Elementary Honor Society, the recycling coordinator, building wellness representative, Bridging the Gap Lynne Laughlin volunteer award winner and Junior Achievement of Mid America Teacher of the Year award winner.
She balances her professional pursuits with her volunteer activities as part of the Fontbonne University Kansas City Alumni Chapter, the Kansas City Mayor's Task Force on Racism, and sponsoring children in Rwanda, Africa, through the Imana Kids program. She also volunteers for the KC Middle School of the Arts Parent Advisory program, and is a chairperson of the HOPE organization. She especially enjoys working with Phi Delta Kappa Sorority, Inc., reading and tutoring at schools.
Martha said that she owes a debt of gratitude to her late mother Corean Willis, who determined it would be best for her to enroll at Fontbonne. She began her collegiate journey with the Sisters of St. Joseph and she continues that journey today as a member of the Pastoral Council at St. Therese Little Flower in Kansas City, MO.
Service to the University Award
Maggie Gunn Fowler '64
The Service to the University Award recognizes a Fontbonne University alumnus or alumna who demonstrates outstanding loyalty, service and dedication to the university and to the Fontbonne Alumni Association.
Following her graduation from Fontbonne with a Bachelor of Arts in Speech and Drama, Maggie Gunn Fowler served as a papal volunteer high school teacher for two years in British Honduras, now known as Belize. She taught English, Religion, and sewing while directing drama activities after school. But eventually all roads lead back to Fontbonne.
With help from Mary Charity Dalton, CSJ, Maggie secured a job as Chair of St. Joseph's Academy's Speech and Drama Department from 1966-1970. After raising five children, she embarked on a career in fund development including the position of Fontbonne's Director of Development in 2004-2005, from which she retired upon the birth of her first grandchild.
Throughout family, community and professional endeavors, Maggie has maintained her service to Fontbonne University beginning with membership on the Fontbonne Alumni Board. She has balanced volunteer work for her parishes, children's schools and the Sisters of St. Joseph of Carondelet Motherhouse; she also served for six years on Fontbonne Alumnae Vicki Bayot Sharpe's Women in Charge Board.
Recognizing the value in giving back to Fontbonne, Maggie is a charter member of the Fontbonne Community Connection (FCC), a women's giving circle. She is especially active on the Membership Committee serving the past two years as Co-Chair with Karen Gedera '65.
Maggie has participated in countless Fontbonne University activities including campaigns, FCC events, and spirituality events. Finally, this year she has taken on Co-Chair duties with Mary Beth Olyniec Westhoff of the 1964 Class 50th Anniversary Reunion Committee. When not working on community or Fontbonne University commitments, Maggie is an active grandma Mam-ma – "the most enjoyable of all her careers"!
Founders Award
Mary Charity Dalton, CSJ
Distinguished Service in CSJ Values and Mission
Mary Charity Dalton, CSJ joined the Sisters of St. Joseph of Carondelet in 1950 and has been carrying out the CSJ's mission to serve the "dear neighbor" ever since. Mary Charity Dalton, CSJ served as a faculty and staff member at Fontbonne University for 27 years. For 25 years, she taught speech, theatre, voice and diction and made a profound impact on all of her students. After many years as a faculty member, she moved to the Admissions and Enrollment offices where she coached and mentored many students.
After retiring from Fontbonne University, Mary Charity Dalton, CSJ has stayed very active in the community volunteering and working with many organizations. She has served on the Fontbonne Alumni Spirituality Committee as well as held positions at Sacred Heart Radio, Ronald McDonald House, Asthma and Allergy Foundation of America, the Immigrant and Refugee Women's program and many more.
Her dedication is a model to which all others can aspire. She has given her life to the Fontbonne Community and has influenced so many with her grace and dedication to truth.
For exceptional service to the community and love of Fontbonne University, Mary Charity Dalton, CSJ is recognized with a 2014 Fontbonne Founders Award for Distinguished Service in CSJ Values and Mission.
Founders Award
Bonnie Eckelkamp
Distinguished Service to Fontbonne University
Whether in her home town of Washington, MO, or the greater St. Louis area, Bonnie Eckelkamp has devoted countless hours to volunteering for many organizations. She has played a key role in the advancement of educational, cultural and civic organizations in the greater metropolitan area.
Bonnie has contributed to numerous educational causes at Fontbonne University where Bonnie served on the Board of Trustees for nine years and also co-chaired a comprehensive campaign for major initiatives on campus. She and her husband, L.B. Eckelkamp, have made generous contributions to the school including a large gift that resulted in the naming of the Eckelkamp College of Global Business and Professional Studies.
Bonnie's time and efforts have helped St. Francis Borgia parish, for whom she chaired a $3 million capital campaign for renovations, the Today and Tomorrow Educational Foundation and the Saint Louis Art Museum, for whom she serves as a member of the Friends Board.
Bonnie's contributions have sharpened Fontbonne University's ongoing commitment to being a preferred college destination. For her dedication to the advancement of Fontbonne University and the promotion of its mission, Bonnie is recognized as a recipient of the 2014 Founders Award for Distinguished Service to Fontbonne University.


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6063-T52 Rectangular Bar
Aluminum Alloy 6063, has good extrudability and high quality surface finish. In heat-treated condition, alloy 6063 provides good resistance to general corrosion, including resistance to stress corrosion cracking. It is easily welded or brazed by various commercial methods. Alloy 6063 is often used for electrical application in the T5, T52 and T6 conditions due to its good electrical conductivity. Aluminum Alloy 6063 offers excellent response for anodizing in its T52 temper. Alloy 6063 uses for many products, projects and Applications. Some of them are: Architectural and building applications, Extrusions, Window frames, Doors, Shop fittings, Pipes and tubes for Irrigation systems, Railing and furniture's.
For more information please refer to our Aluminum Alloys Guide and Aluminum Tempers Guide.
Shopping Options
- Thickness (t)
- Width (A)


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This time PM boards rickshaw in Khaliajuri
Published : 19 May 2017, 12:39
After travelling by a rickshaw van at his ancestral village of Tungipara in Gopalganj in January, Prime Minister Sheikh Hasina this time boarded a rickshaw in Khaliajuri of Netrakona yesterday.
The Prime Minister, on a visit to Khaliajuri upazila to see for herself the flood-affected haor areas, took a trip by a rickshaw to go to Khaliajuri District Council Dak Banglow from Khaliajuri Upazila Health Complex.
After holding a meeting with public representatives, government officials and the local elite at Khaliajuri Upazila Health Complex, the Prime Minister surprised all by boarding a rickshaw to go to Khaliajuri District Council Dak Banglow, which is nearly 200 yards off the venue.
The people of the upazila enjoyed astonishingly the Prime Minister's rickshaw ride.
The fortunate rickshaw-puller was Tipu Sultan who hails from Chinarhati village of Khaliajuri upazila.
Later talking to this correspondent, Tipu Sultan, who has been engaged in rickshaw pulling for six months, said he is delighted to carry the Prime Minister as his passenger.
"I'm very happy that the honourable Prime Minister boarded my rickshaw," he said.
Tipu Sultan, however, said he wants to do other jobs instead of rickshaw-pulling.
On Jan 27, Prime Minister Sheikh Hasina, on board a local rickshaw van along with her grandchildren, had a round visit at her ancestral village in Tungipara to see for herself the condition of the villagers side by side enjoying the beauty of the place.
Source: bss
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Orbx Asiago Freeware Released!/
FSX/P3D. Welcome to Italy and the first "full fat" airport by developer Sylvain Delepierre who also designed the FTX Global Freeware packs for Europe. Defined by a famous Italian poet, as "the smallest and brightest town of Italy", Sylvain perfectly captures that feeling with this wonderful package. No doubt a full payware quality release, Orbx does continue to toss out some really kickass free stuff. See for yourself! You can grab this new release from the Orbx freeware page via the source link below and get flying! If January in any indication of what we can expect from Orbx for 2016, then we can expect quite a lot! Several releases for the new year already. Damn!


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Weekend 3 at #RevolveInTheHamptons
Hey Lovelies!
Such a fun weekend hanging out with REVOLVE in the Hamptons! I brought along my twin sister and it was such a fun time! The first night that we arrived it was game night and it was hosted by a professional board game host – so fun! The second night we had dinner and then it was 1OAK club night in the baement which was super awesome – who knew a basement could look like an actual club! All of my outfits that I wore over the weekend are below and linked to shop!


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Educating for eternity
The aim of true education is to restore human beings into the image of God as revealed by the life of Jesus Christ.
To enable learners to develop a life of faith in God, and to use their knowledge, skills, and understandings to serve God and humanity.
For every learner to excel in faith, learning, and service, blending biblical truth and academic achievement to honor God and bless others.
Educational Events at Pikesville:
The Approach & Philosophy of Adventist Education
The aim of true education is to restore human beings into the image of God as revealed by the life of Jesus Christ. Only through the guidance of the Holy Spirit can this be accomplished. An education of this kind imparts far more than academic knowledge. It fosters a balanced development of the whole person—spiritual, physical, intellectual, and social-emotional—a process that spans a lifetime. Working together, homes, schools, and churches cooperate with divine agencies to prepare learners to be good citizens in this world and for eternity.
Did you know?
The Seventh-day Adventist church has the largest educational system of Protestant denominations in the United States, and the second largest system worldwide.
Find an Adventist School by clicking here.


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get in touch: 0800 3646 869 E-mail us
Digit Solutions turns technology into a competitive advantage for our clients. We devise, manage and implement IT strategies that lead to increased profitability, asset efficiency and revenue. We work on new and existing projects throughout the world, helping our clients enter new markets, consolidate infrastructure and improve operating performance.Learn more »
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