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For Financial Inclusion Week 2017, WSBI highlights the ways that new partnerships and new products are helping its members make progress toward financial inclusion.
Posted by Mina Zhang, Senior Advisor, WSBI
The World Savings and Retail Banking Institute (WSBI) and its members are committed to Universal Financial Access (UFA), doing their part to help realize the "account for everyone" goal. Our data from the end of 2016 shows that we're making progress, with 136 million new clients and 236 million new transaction accounts, since the UFA benchmarks were set at the end of 2014.
For Financial Inclusion Week 2017, we are highlighting the ways that new partnerships and new products are helping us achieve this goal.
Read the rest of this entry »
> Posted by Jeffrey Riecke, Communications Specialist, CFI
It is hard to imagine who would scam an older adult over their hard-earned savings. But the reality is that as many as 17 percent of Americans aged 65 or older report that they have been the victim of financial exploitation. What's more, only one in 44 of these cases are ever brought to the attention of protective services. In total, billions of dollars are lost each year due to the financial abuse of older Americans. Recently, the Consumer Financial Protection Bureau (CFPB) adopted a novel approach to combatting this trend, intervening with financial education … over a meal.
> Posted by Jeffrey Riecke, Communications Specialist, CFI
Last week the President of Mexico launched the country's long-delayed National Financial Inclusion Strategy. The comprehensive plan engages the spheres of private banking, social welfare, public education, telecommunications, and more to extend quality financial services to the 56 percent of adults in the country who remain without a formal bank account. Although the plan was nearly full-formed three years ago and has since sat on the proverbial shelf, the enactment of the strategy represents a reaffirmed commitment to financial inclusion across the Mexican Government, including the Office of the President, the Central Bank, the Ministry of Finance, and the Ministry of Public Education.
The national strategy is structured as a six-pillared plan. The Ministry of Public Education (Secretaria de Educacion Publica) will promote financial education starting with children and youth by incorporating related content into the curriculum of public education. Financial education will also be embedded in government programs like Prospera, Credito Joven, and Mujeres PYME. Prospera is Mexico's conditional cash transfer program, which has 6.5 million beneficiaries. Credito Joven is a youth inclusion program introduced in February 2015 that aims to empower young people, in part by providing credit to those with no credit histories. Mujeres PYME offers finance and business development support to small businesses led by women.
> Posted by Center Staff
The latest edition of the Financial Inclusion 2020 News Feed, our weekly online magazine sharing the big news in banking the unbanked, is now available. Among the stories in this week's edition are: the United Nations (U.N.) General Assembly held a side event last week on youth financial inclusion; the Microfinance Gateway spotlighted resilience, for both households and financial institutions, in the realm of financial inclusion; and the Global Banking Alliance for Women (GBA), in collaboration with the Inter-American Development Bank (IDB) and Data2XCARE, released a report on the value of data to women's financial inclusion. Here are a few more details:
- The U.N. General Assembly side event focused on the importance of financial inclusion for youth, including youth entrepreneurs, and it was asserted that the energy and dynamism of young people will be integral in achieving the newly adopted 2030 Sustainable Development Goals. Fifty-four percent of youth between 15-24 don't have a bank account.
- Resilience, or the ability to anticipate, adapt to, and/or recover from adverse situations, is a key lens for considering financial inclusion. Microfinance Gateway's spotlight shares industry work on resilience from Freedom from Hunger, ILO, IMF, Making Finance Work for Africa, Microinsurance Network, and MicroSave.
- GBA, IDB, and Data2XCARE's new report, based on interviews with over 50 financial inclusion stakeholders, makes the case for sex-disaggregated data – how this data could inform better policies and private sector action – and discusses the challenges to its collection and use.
For more information on these and other stories, read the latest issue of the FI2020 News Feed here, and make sure to subscribe to the weekly online magazine by entering your email address in the right-hand menu so you can be notified when the latest issue comes out.
Have you come across a story or initiative you think we should cover? Email your ideas to Eric Zuehlke at firstname.lastname@example.com.
> Posted by Center Staff
The latest edition of the Financial Inclusion 2020 News Feed, our weekly online magazine sharing the big news in banking the unbanked, is now available. Among the stories in this week's edition are the release of a New America Foundation report on account dormancy in youth savings, Yemen exploring mobile banking to combat the hardships of war, and Cambodia launching its first agricultural insurance programs. Here are a few more details:
- The New America report considers how to understand the challenge of youth account dormancy in large-scale account-based initiatives and policy efforts, describing the range of issues related to account engagement from the perspectives of financial institutions, policymakers, and account-holders.
- Yemen, following its central bank passing regulation on e-money and mobile money in December, is looking to the development of digital finance to cover critical services during wartime, as 30 to 40 percent of bank branches are closed.
- The Cambodian Center for Study and Development in Agriculture (CEDAC) has launched the country's first agricultural insurance programs, in the form of pilots for the next year and a half, protecting rice farmers against loss from drought and floods.
For more information on these and other stories, read the latest issue of the FI2020 News Feed here, and make sure to subscribe to the weekly online magazine by entering your email address in the right-hand menu so you can be notified when the latest issue comes out.
Have you come across a story or initiative you think we should cover? Email your ideas to Eric Zuehlke at firstname.lastname@example.com.
> Posted by Danielle Piskadlo, Manager, Investing in Inclusive Finance, CFI
My proudest moments as a parent are when my 2-year-old son finds change lying around the house and runs excitedly to put it in his piggybank. We never consciously did anything to encourage this behavior. I like to think it is due to some small part of my DNA shining through.
The recent CFI and HelpAge report, Aging and Financial Inclusion: An Opportunity, highlights that most people expect to use accumulated savings and assets to fund their retirement, but in reality end up relying primarily on support from family, friends, and the government.
I've blogged in the past about how much trouble people have with saving. And it seems financial intuitions for their part use every imaginable mechanism to make it easy (pension contributions at 7/11, behavioral nudges for opting employees into retirement plans), fun (prize-linked savings, lotteries, and games), or obligatory (compulsory savings as a loan requirement) for their clients to save.
I have always believed that the ability to save is a key piece of financial security, and that building the financial capability to save at a young age has a profound impact on financial security throughout a person's life, even into the retirement years. Recent research undertaken by CFED to "deepen our understanding of youth financial capability and explore the behaviors, types of knowledge and personality characteristics that help children and youth achieve financial well-being in adulthood" supports that belief. The research included an extensive literature review of consumer science, developmental psychology, and related fields to explore the factors that comprise youth financial capability, as well as how and when these abilities are developed.
> Posted by Center Staff
Unless you're with one of the few organizations working to combat youth financial exclusion, you probably don't hear much about the issue. A few weeks ago, the world celebrated Global Money Week, which is gaining encouraging participation and engagement. Sadly, aside from this annual blitz of activity, there isn't much in the airwaves on expanding financial access to this hugely underserved client segment. According to the Global Findex, in higher-income countries, 42 percent of youth save in financial institutions. The next highest regions are East Asia & Pacific and sub-Saharan Africa, where this rate is 19 and 9 percent respectively. During our youth, financial services and financial education help us save for the future, form good money management behaviors, and navigate life transitions like getting an education and starting a family.
The MasterCard Foundation, as spotlighted in a recently released report, has been quietly busy these past seven years working to address this shortcoming. Since 2008, the Foundation in partnership with six organizations has worked with over 30 financial services providers and non-profits to expand youth access to banking services. The new report, Financial Services for Young People: Prospects and Challenges, reviews the MasterCard Foundation's youth financial inclusion projects for insights and learning to inform future industry efforts.
> Posted by Sonja Kelly, Fellow, CFI
Since the release of our paper, Aging and Financial Inclusion: An Opportunity, I have been considering the challenge of market segmentation using the life course. This is not unexplored terrain at the Center for Financial Inclusion. Beth Rhyne articulated a life course approach during our Looking Through the Demographic Window project, which we have captured in the infographic embedded at right. I have been hearing from microfinance institutions that some efforts are underway to segment clients by their life stage, though this remains a relatively untouched area in the industry. For a great example of segmentation, however, I only had to look to the spam filter on my email.
Most of the emails that get caught in my spam filter are about body image. I receive messages advertising dieting pills, on the one quick fix to reduce belly fat (you won't believe which celebrities use it!), and how to get toned abs within a week. This makes sense—I work out regularly, and I (try to) watch what I eat. The emails are tailored to me.
In chatting with my colleagues, I find that they also receive targeted emails. Some women in our office who are older than me receive emails for walk-in tubs. Singles get emails that point them to dating websites. Some of the younger men in our office get emails that refer to "satisfying" their girlfriends. And the spam filters of older men in our office collect emails about (ahem) performance-enhancing pills.
These are, of course, gross generalizations—the life course cannot possibly be reduced to dieting, walk-in tubs, and bedroom performance. But why is it that the email caught in my spam filter is more skilled at customer segmentation using the life course than my financial institution's product line? Even more than being successful at segmenting a potential client base, spam marketers are successful at moving this potential client base to action, according to MailChimp. They have a simple message and a call to action. Their "click rates," or the rate at which people click on links, are higher than average.
> Posted by Center Staff
This edition of top picks features posts highlighting initiatives to optimize smallholder finance data collection and usage, efforts to improve youth financial capability, and insights on how mobile money services can effectively reach women.
To better provide financing for the 450 million smallholder farmers around the world, there's a big opportunity in developing shared knowledge bases and coordinated learning agendas for this topic area. A new post on the CGAP blog shares the work of Dalberg Global Development Advisors and the Initiative for Smallholder Finance to ascertain the state of the smallholder financing knowledge base and put in place a number of complementary tools so that those addressing this financing gap can work together, repurpose what others have already learned, and build off of the field's scarce resources to drive it forward. The post highlights a smallholder impact literature wiki, an interactive map of smallholder finance tools, a framework for data collection that includes a shared learning agenda, and new briefings offering supply and demand side insights as well as indications of where data is lacking.
> Posted by Eric Zuehlke, Web and Communications Director, CFI
With 1.2 billion people, youth between the ages of 15-24 represent approximately 18 percent of the global population, and 87 percent of youth live in developing countries. Yet only 44 percent of 15-to-24-year-olds have an account at a formal financial institution globally compared to 55 percent of adults.
Last week, I had the privilege of moderating a panel discussion on youth financial inclusion, hosted by Credit Suisse and organized by the Microfinance Club of New York. The presenters shared important examples of what has worked in providing financial education and services to youth. Joining me were:
- Barbara Magnoni, President of EA Consultants and co-author of CGAP's "Analyzing the Business Case for Youth Savings"
- Maria Perdomo, YouthStart, Programme Manager, UNCDF
- Scott MacMillan, Communications Manager, BRAC USA
- Simon Bailey, Head of Learning, Research, and Network, Aflatoun
- Nathan Byrd, Head of Education Finance, Opportunity International
Recently, our Financial Inclusion 2020 team worked with Making Cents International to look at the barriers to and drivers of youth financial inclusion. We found that the primary reasons that youth cite for not having an account at a formal institution are a perceived lack of money, the high costs of services, and challenges in having proper identification. In addition, youth often feel that their financial assets or businesses are too small to work with a bank, especially in situations in which the costs of getting to a bank are high.
Despite these challenges, there are a few areas of opportunity. One is the business case. Since financial needs of young people grow in volume and sophistication over time there is a business case for serving them even as their financial needs are initially limited. Serving youth can help build a longer-term and loyal clientele if products are appropriate and financial capability is fostered. Another important area is financial education/capability. Establishing financial literacy early in life will help foster positive financial habits and lead to longer-term asset accumulation and higher credit scores. This needs to take place in a regulatory environment that supports financial inclusion and coordination among various players.
These three areas – the business case, financial capability, and the policy perspective – were the focus of much of the discussion at the event. I noticed that a few themes cut across the presentations:


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Video: Policeman frees two entangled deers - by shooting them apart
The moment a police officer used his gun to shoot the antlers of two bucks who had become entangled together in order to free them has been caught on camera.
The bucks were seen engaged in a fierce duel that left them 'locking horns', literally. An Illinois Department of Natural Resources Conservation Police Officer, a State Trooper and a Will County Forest Preserve Officer all attended the scene.
It takes one of the police officers four shots before the antlers break free.
One deer is seen quickly dashing away while the other is more badly injured, but both escape the situation.
An email to the Daily Mail said: "Illinois Department of Natural Resources law enforcement officers are periodically alerted to these types of instances. While not common, it happens.
"Fights among male deer are common and occasionally their antlers become entangled.
Sometimes the deer are able to free themselves...sometimes not, and in those instances we have found deer that become locked together and perish before someone comes along to find and possibly free them."
The video received a mixed reaction after it was uploaded to the department's Facebook page, with some suggesting the officer should have comforted the animals before shooting, while others praised him for saving their lives.
Related articles
Bambi on ice! Rescue of deer stuck on lake caught on camera
Man arrested for deer hunting on golf course in Scotland

subset: commoncrawl


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A seamless software platform that provides a 360 view on business to help you maximise recruitment results.
FastTrack360 cloud software moves with your candidate through each stage of business from job placement through Time, Pay and Bill.
Designed for better business performance, with smart tools that streamline workflows and get results sooner, FastTrack360 lets you take care of business, with more time on people.
FastTrack360 is a complete Time, Pay, Bill solution that removes multiple vendors, data migration risks and time consuming administration.
Partnering with the leading CRM providers, FastTrack360 has automated data to reduce handling, eliminate errors and give you back time. With a single platform to manage your workforce timesheets, rates, compliance reports, and invoicing needs – FastTrack360 makes it easy.
FastTrack360 streamlines business to help you get results sooner.
We've been delivering recruitment business software for more than 24 years in Australia and New Zealand– which has resulted in 165+ million payroll hours each year from 10,000+ users.
Our FastTrack360 platform has been extended to now offer UK market-ready features, including:
— GDPR privacy law compliant for EU market
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— Seamless integration with CRM and ATS providers
— Automatic Pension Enrolment processing
— Statutory Reporting (E.g. Gender Gap and Employment Intermediaries reports)
Our FastTrack360 UK release has been designed with recruiters, accountants and payroll experts to ensure a 360 view on the solution.
Connect to the best Apps and business software on the market, with open platform capability – introducing the FastTrack 360 MarketPlace.
With a whole of market view on your solution, the FastTrack360 MarketPlace enables your business to connect with market leading add ons that make business even easier.
Seamless integration saves you time with automated data, reduced handling and better functionality across your entire business.
FastTrack360 MarketPlace opens your platform to more possibilities, and even better business results.


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By scheduling time to read up on new things, you increase your knowledge and help your ability grow.
Rich Kid, Smart Kid, for all the controversy it generates, at least gives a sensible illustration of IQ: intelligence relative to age. In other words, the more intelligent someone is, compared to the average intelligence of his age, the higher his IQ.
This also means to maintain your IQ, learning new things as you age is necessary. Someone who grows older, yet still knows the same things, is technically decreasing his IQ.
How does this apply to freelancers? The discipline and commitment EQ brings are crucial, but without a good IQ to complement it, a contract worker will have a harder time. You use IQ to come up with ideas, and EQ to execute them. Try to put aside some time everyday to learn new things, so that you'll maintain—or even increase—your IQ as you pursue your freelance career.
What Contract Worker Considers "Freelancing"
This blog is about freelancing. We already know where the word came from, but there are differing opinions of what it means. Strictly speaking, a freelancer's involvement with a company is only for one specific job. Neither full- nor part-time. But, for the purposes of this blog, even part-time commitments fall under the scope of freelancing. In fact, I've decided to consider freelancing in its most general sense. Which is basically not being tied down to a single job. In fact, many of the most lucrative freelancing opportunities don't end on the "first date."
That doesn't necessarily mean spreading yourself too thin (the jack of all trades is the master of none). It's still possible to work for different clients/employers, but practice only one craft. In fact, if done properly, constantly practicing a skills means you're concentrating on it. Practice always makes perfect, and within the limits of human stamina and physical possibility, working too much was never bad.
That is the beauty of Contract Work: not limiting yourself to a single obligation comes with lots of advantages. Like building a network of contacts, since you get to interact with different kinds of people. Or Enjoying more opportunities to hone your abilities. And, of course, the chance to earn more money within the same amount of time. There is of course the danger of not giving each project the attention it deserves, but a person who has mastered the fine art of time management will have no problem.
Admittedly, I'm still a long way from that. But only my sleep suffers because of my inexperience, which is something I think I can sacrifice from time to time.


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Overall, Google I/O has been a wonderful conference that reminds Android and ChromeOS users about the many reasons they've gone Google. From the announcement of Ice Cream Sandwich, to the launch of Google Music, to ChromeOS for Business and Academia, Google has really hit this one out of the ballpark.
But I/O is not all roses and unicorns. During the Android Market session, Google announced that it has no plans to change the 15-minute window it gives users to test out applications and refund those that they don't get a good first impression of.
In my opinion (and I'm sure in many of yours as well), 15 minutes is simply too short a time to get a feel for how well you're going to like an application. Heck, many of the newer, larger applications may take more than 15 minutes just to download and set up, let alone test out for how likely you're going to enjoy the app. Back in the glory days, Google offered a 24-hour refund window which was a great amount of time to really get a feel for whether or not this application was worthy of the $1-30+ you were going to shell out for it.
Keeping the refund window at a measly 15 minutes is bad for developers and bad for Android in general. Android users are going to think twice before purchasing applications that I classify as "luxuries" (i.e., those that are unnecessary but cool to have) for fear of wasting money on applications that sounded like a good idea, but after trying them out for a while, realize they have little use for them.
I believe that we need at least a few hours to really test out applications before committing to spending hard-earned money on them. In the end, applications that are well put-together and serve either an essential or a nice-to-have function will sell more with a larger refund window, and those that aren't, won't. Yes, it's great that sites provide hands-on reviews of applications to provide guidance as to which applications we should buy and which we should avoid, but most people want to experience it for themselves.
To that end, a couple of us from the Android and Me crew discussed this issue, and we came up with three potential solutions:
- Google could increase the refund window to somewhere in the 4–24-hour timeframe.
- Google could put the refund window in the hands of developers by offering a few timing windows (15 mins, 30 mins, 1 hour, 12 hours, 24 hours, etc.), and let them choose for themselves.
- Google could take a page from Amazon's playbook and offer "test-driving" of applications on their fancy new web-front for the Android Market.
As always, I'm curious to hear from you, our readers.
- Am I completely crazy/off-base on this?
- Anyone think the 15-minute refund window is a good idea?
- What is the sweet spot for a refund window?
- Would the ability to test-drive applications while maintaining the 15-minute window be a good middle-ground?
- Is it a good idea to put the refund window in the hands of the developers themselves?
Sound off to these (and more) questions in the comments below!


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It has been a year of changing work patterns for many of the Library's people, as new technology and improved services have been introduced to meet increasing customer needs.
The introduction of the Library's new Integrated Library System on time and within budget is one of the year's most significant achievements. It represents a fundamental part of the British Library's programme to bring all its services together as one library. As well as demonstrating the importance of high calibre IT skills, changing over to the new system has involved new ways of working for many cataloguing staff.
'In the past people had to work with different computer systems and the Integrated Library System has fulfilled a long-standing need to bring them together,' says Caroline Brazier, Head of Collection Acquisitions and Description. 'Putting the new system in place has involved cultural as well as operational changes. It has meant getting people to think in new ways.'
New working patterns have been introduced in Reading Rooms to improve consistency of customer service. Elements of customer service work in London have been moved to Yorkshire, necessitating a number of redundancies. Yet despite the inevitable upheaval for many of those involved, staff have succeeded in achieving the highest-ever levels of customer satisfaction across all the Library's services.
'Congratulations are due to everyone who has worked so hard during this period,' says Natalie Ceeney, Director of Operations and Services. 'The significant changes to jobs and working patterns have been tough on staff, who deserve much credit for the way they have kept services going and achieved great customer satisfaction figures during this challenging time.'
Throughout the Library, a major investment is taking place in IT and digital technology, demanding new sets of skills in key areas. In the Reading Rooms, for example, making digital resources available to users requires specialists in electronic information services. A strategic investment is being made in science, technology and medicine, led by a dedicated team that has been set up to develop innovative services for new markets for information about scientific research. At the same time traditional curatorial skills are being updated to meet the changing expectations of the Library's customers in the information environment of the 21st century.
Next - Redefining our services and their users


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ARLINGTON, TX --Federal workplace safety watchdogs are citing a contractor for the fall of two of its workers at Cowboys Stadium in Arlington. The two workers slid 260 feet down the stadium's frost-covered roof before landing in a rain gutter while performing maintenance on a cold Dec. 3 morning.
One worker lost consciousness after breaking a leg and incurring head and chest injuries. The other worker suffered a back injury.
The U.S. Occupational Safety and Health Administration accuses Birdair Inc. of Amherst, N.Y. of one willful and one serious violation of OSHA safety standards. Birdair has 15 days to comply with the penalties, request an informal conference with OSHA or to contest the citations to the independent Occupational Safety and Health Review commission.
Birdair general counsel Karen Matthews says Birdair will contest the citations.


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Vemo Leadership Team
Tonio DeSorrentoCEO & Director
As CEO, Tonio DeSorrento leads the team at Vemo Education, where he focuses on income-based product development and policy issues. Tonio has contributed to...view profile
Bill BrosseauVP of Higher Education
As Vemo Education's VP of Higher Education, Bill Brosseau manages Vemo's business development. Bill has been a higher education professional for more than...view profile
Renée MangVP of Originations & Servicing
Renée Mang serves as Vemo Education's Vice President, Originations and Servicing where she manages the originations and servicing for Vemo's income-based...view profile
Bliksem TobeyVP of Technology
As Vice President of Technology for Vemo Education, Bliksem Tobey will lead the continued development and deployment of Vemo's technology infrastructure. Tobey...view profile
Jeff WeinsteinVP of Credit & Analytics
Dr. Jeff Weinstein serves as Vemo Education's VP of Credit and Analytics, supervising cash flow and credit modeling as well as managing Vemo's application,...view profile


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I'm back! Malpelo and Cocos Islands were incredible, and I definitely want to return there sometime in the future (perhaps on rebreather, next time). The trip set a personal record for longest boat ride: it took 42 hours to get to Malpelo (Colombia) from Puntarenas (Costa Rica), another 42 hours or so to get to Cocos from Malpelo, and 36 hours to get back to Puntarenas. Luckily, we had calm seas and excellent conditions at both Malpelo and Cocos. I expect Heidi to put her trip journal online before I do, so check there if you want to see stories and photos (and thanks, Heidi, for being a perfect dive-trip roommate!).
School of scalloped hammerheads (Sphyrna lewini) at Dirty Rock, Cocos Island
When I returned home last night, I discovered that I was only going to overlap geographically with Vienna Teng for 12 hours, and with Geoff Nuttall for 10 hours. So after a full 10 minutes at home, I hopped into my car and drove down to Stanford for a late dinner and to hang out for a few hours. VT met us there just before 1am, even though she had to leave for the airport at 7am. Her schedule is as bad as mine is.
It's sad that I am becoming used to these transient overlaps as a form of socializing, but a couple hours spent with good friends is better than none at all. I have six days before I leave for Indonesia, and the number of items on my to-do list is daunting. I am not looking forward to them.
Speaking of transient overlaps, I will have approximately 16 hours during a layover in Hong Kong next month, and it turns out that both of my parents will be there at the same time. So at least I'll get to see them for a few hours. :)


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in 100% Cotton White
An overall intentionally unbalanced design that works; the pattern throws attention to the large hibiscus flower over the other elements. Very pretty and elegant design.
Features an empire waist, spaghetti straps and a 14 inch long back zipper for easy wearing. Made by Ky Apparel of Honolulu.
Retail... $59.00,
Our Price... $40.00
(Shipping = $9.00 for the first item, $5.00 each additional)
Maylea : Roughly translated from the Hawaiian as 'the direction of joy', or the way of aloha.


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If you've been reading this site for any length of time, you know that I'm a big believer in avoiding traditional job boards. They're a waste of time and effort, and give you no control over your freelance career.
But freelancers have to find work somehow, right? How else can they get work without sending out a bunch of cold pitches or applying for jobs on those big sites?
Don't worry, I have the perfect resource for you!
One of my favorite non-traditional freelance job platforms is called ClearVoice. I've been using this site for 2.5 years and still do regular work through it.
Here's how to use ClearVoice to get more high quality freelance work that actually pays really well.
What is the ClearVoice platform for freelancers?
ClearVoice is a fairly new content marketing platform that connects writers, editors and social media managers to well-known clients and brands. Their goal is to help businesses and companies create quality content that will increase brand awareness, be shared on social media and ultimately increase that client's online presence.
The thing I love about ClearVoice is that, unlike Upwork, they actually care about their team of freelancers and give out quality assignments with respectable pay rates. If you have an issue, or need help, their customer service team is very friendly and helpful. I'm even on a first-name basis with several of their support members.
Get freelance work with ClearVoice
If you don't already have a ClearVoice account, you can start by signing up for a free "content creator" account. (And NO, I'm not getting paid to promote or write about CV, I genuinely use the service and earn decent freelance income from it.) Then follow these next steps to active your account and start getting paid opportunities.
1. Fill in your bio and portfolio
Fill in your bio, make it something that will catch the eyes of the ClearVoice team as well as potential clients who want to hire you. Update your profile with links to any past samples that are relevant.
You'll also be able to create a customized portfolio link, that you can share with future cilents and promote on other sites. Here's what mine looks like: https://clearvoice.com/cv/carefulcents
2. Set your acceptable rate
You'll be able to set your rate to anything you want, with the option to accept or deny assignments based at will. ClearVoice will connect you with awesome brands, based on your portfolio and expertise.
Most of the work is based on a per-project rate, which will show up in your dashboard, or email, before accepting. Not sure what to charge? ClearVoice did a survey of their users to see what each client is willing to pay and how much freelancers charge. The results are kind of eye-opening!
3. Start receiving leads in your inbox
ClearVoice is one of the only platforms that I use where you don't have to send in pitches. Instead, they'll often review your portfolio on behalf of their client and send you an email with details of that specific assignment.
Most of the time it's first-come-first-served, so you'll want to respond as quickly as possible, but in lots of cases you'll be part of a small team of specific writers for that client's content and will be able to apply within that small pool.
ClearVoice fees for freelancers
The good news is that you never have to pay an out-of-pocket fee to ClearVoice. The bad news is that the rate you're being paid by clients (the one that shows up in your dashboard) is already reduced by a 25% fee.
In other words, the client may be willing to shell out $200 for a blog post, but you'll only see the $150 price as your rate for that assignment.
This actually doesn't bother me too much as I just wanna know what I'm going to get paid for in the end. But some freelancers may want to avoid this platform because of the slightly higher fees.
One thing I really like about ClearVoice (similar to Contently) is that once you do the work and submit an assignment, you're paid within minutes of that assignment being approved. You don't have to pay any additional fees via PayPal and your money is there, instantly!
Here's a video tutorial of my personal account with ClearVoice and how to use it effectively.
How I earned $10,000 with ClearVoice
I first started using ClearVoice at the end of 2014. To be more specific, I turned in my first assignment on September 13, 2014 and am currently still using this platform to supplement my freelance income every month.
To-date I've earned $10,469.75 and have completed 40 assignments. This works out to be an average of $0.47 per word, or $261.72 per piece.
I mostly work on writing blog posts for specific campaigns, although I have done editorial work as well. Some of the clients I work with include Intuit QuickBooks, American Express and the ClearVoice blog.
Pro tips for finding freelance work
The most important thing to do, in order to keep getting new leads coming through your email inbox, is to consistently update your portfolio with new links to samples, as well as making sure your bio reflects any accomplishments, awards and other accolades.
As potential clients, and the ClearVoice team, look through your portfolio to see if you're a good fit, you don't want to miss out because your info wasn't update. The way that ClearVoice organizes your portfolio is by date, so you don't want the last update to be 6 months ago!
Finally, set up some sort of email alert for your inbox so you can prioritize opportunities that come from ClearVoice. The sooner you apply the better chance you have of actually landing the gig.
Have you used ClearVoice as a freelancer? What was your experience?


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Apollo Group (NASDAQ:APOL) is the world's largest private education provider. Its University of Phoenix is the largest for-profit university by enrollment. The University of Phoenix offers associate, bachelor's and doctoral degree programs to more than 355,800 enrolled students, at 102 campuses and 157 learning centers in forty states. 95% of Apollo's revenue comes from tuition paid to The University of Phoenix, the group's largest subsidiary.[1] Apollo has benefited from an gradual increasing trend in university enrollment as well as increased enrollment due to the sluggish US economy. In a slow economy where jobs are hard to come by, many choose to go back to school to further their education. As a result, more people are attending schools like the University of Phoenix. In 2009, the company generated $3.9 billion in revenue and $598 million in net income.[2]
Historically, enrollment at for profit educational institutions has increased during economic downturns as poorer job prospects cause prospective students to view continuing eduction more favorably. People of all ages are going back to school to get a better job and increase their job prospects. Apollo Group has been no exception from this trend. The global economic slowdown has increased their number of students and thus raised revenues. The number of students at the University of Phoenix increased by 24% in 2009.[4] As a result, the company's net revenue grew by 26.5% in 2009.[2]
The post-secondary education market is extremely competitive and not dominated by any single player. The United States has approximately 6,550 post-secondary education institutions:[3]
In addition to this extreme market fragmentation, the extensive accreditation process acts as a significant barrier to entry for new companies.
Of the other private, for-profit schools that target non-traditional students, Apollo Group (APOL) , DeVry University (DV), and ITT Educational Services (ESI) pose the greatest competition to Career Education.
Career Education (CECO) is a global for-profit university that offers associate, master's, bachelor's and doctoral degree programs in vocational areas such as business, communications and IT. The company had an enrollment of 116,000 students on 90 campuses in the the US, France, Italy, and UK.
DeVry (DV) served approximately 130,000 students through its four subsidiary institutions - DeVry University, Ross University, Chamberlain College of Nursing, and Becker Professional Review. DeVry University is an undergraduate institution with more than 80 locations and the Keller Graduate School of Management. Ross University operates the Ross University School of Medicine and the Ross University School of Veterinary Medicine in Dominica.
ITT Educational Services (ESI) operates 124 campuses in 38 states serving approximately 80,000 students.


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My 4yr old absolutely loves it.
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From Kerry
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Thanks again.
User Reviews
Wooden spring loaded pop-up toaster with toast, butter & jam
There is no need to worry about the kids burning the toast with the Honeybake wooden Toaster Set.
Size of Toaster: Depth 6 cm x Height 13 cm x Width 15.5 cm
Materials: Wood & fabric jam cover
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Safety: All Le Toy Van products are finished with a child safe non-lead paint with a wipe down clean finish.
Le Toy Van designs and produces detailed painted wooden toys.
Their stylish aesthetics and high play value encourage real learning through imaginative play.
Le Toy Van creates award winning traditional toys in a number of iconic ranges from collectable characters through to classic dolls houses.


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Jay Baruchel Interview
Q1. In The Trotsky, you're playing a high school student who thinks he's the reincarnation of Leon Trotsky. So what was it that attracted you to this film?
Jay Baruchel: It was the chance to be in something that was unique and definitive and specific, man. I'm accustomed to often reading scripts that have f*cking 14 writers or something, and this is a movie written and directed by the same guy, and Jacob [Tierney] just crafted one of the most brilliant scripts I've ever read. It's one of these scripts where some of the best lines of dialogue are given to people that only speak once… I was really scared about the part and that's how I knew I should play him because I was grappling with the sort of largesse of his character, 'cause if there's just one word to describe Leon, it's "particular." He speaks in a very particular manner, he uses very particular words, and I just didn't want to fail this character that Jacob had created… Then I put on the outfit -- the first time I caught a glimpse of myself in the mirror, I knew who Leon was and I had him, and the rest [of the production], I just had a surplus of ideas.
So in the film, your character is greatly influenced by Leon Trotsky. On AskMen, we talk about guys who are influential to us and everyone else. When you were the age of Leon, who were some of the guys that you looked up to and who influenced you when you were younger?
JB: Romeo Dallaire -- that'd be a big one. Lester B. Pearson -- that would be a huge one for me. These are in terms of heroes from my life, not necessarily guys that made me want to be an actor or nothing. I'd say those two and throughout all of my childhood, I was kind of obsessed with Eliot Ness. That's who I wanted to be when I grew up. He was the man in the white hat. I never had the issue of finding criminals glorified. I always wanted to be one of the good guys. So it would be those guys.
You've alternated a lot between Hollywood films and smaller Canadian movies. As a Canadian actor, how important is it for you to make time for projects back home?
JB: It is of the utmost importance to me, man. I have a maple leaf tattoo over my heart, quite literally, and my two favorite things on earth are being in Canada and making movies. So it makes sense for me to make movies in Canada. If it were up to me, every job I'd have would be in Montreal. More to a point, I do feel a sort of obligation to use whatever I have going on down south to help people get to see movies up here because this is the greatest country in the world, and I think kids here should be proud of their own TV shows and their movies. I think that all I'm trying to do is get butts in the seats. Maybe kids see a trailer for this and recognize me from some American movie, and then they go to see it and they don't realize it's a Canadian movie. Whatever it is, I just want kids to go see Canadian movies, and so, it's my life's work.
From your perspective so far, do you notice any differences between Canadian and American movies besides different budgets and people making them?
JB: We make less movies here, but the movies that get greenlit here are purer films -- if that makes any sense -- in that, to get a movie made in Los Angeles, you have to [use] notes and thoughts and ideas from a myriad of different people at every step of the process -- from the script through production through editing. Everything there is like you're listening to 12 different people's ideas. In Canada, when we greenlight a movie -- one of the eight movies we make in English a year -- they like the script, they might let you make the movie, and so it is a purer form of art up here, and also, when there's less money involved, people are less stressed and feel freer to contribute and try things. I've had a lovely career in the States and I've gotten to work with some amazing people and make some pretty badass flicks, but it is way less stressful making movies up here.
Some of the filmmakers you have worked with have been people who are very influential. One of those is Judd Apatow, who cast you in Undeclared with Seth Rogen. How did that role help your career and why do you think he's so effective at communicating with male audiences?
JB: I definitely think Undeclared -- it's pretty important to me, my life and in my career because that's still one of the things I still get the most amount of props for. Those 17 episodes are of great importance to a lot of people, and that means a lot to me. It was kind of like -- that was my coming out party, man. Nobody had ever heard of me down there and all of a sudden, there I was, and so I definitely think there was some importance. That being said, whatever heat I had from that show quickly died because when it ended, I was kind of disenfranchised. I was like, "Oh no, I'll never be in a TV show ever again," and then what a difference six months makes… It's definitely of a certain degree of importance and it's one of my favorite things on my resume ever… When I stayed with [Seth Rogen] in L.A., we spent a good deal of our time watching that TV show.
Judd's just interested in what's happening and what's real. He's borderline f*cking brilliant, man, and he has this great intuition as to what's funny, but none of it is relevant if it isn't real. I think that's the key to his sort of brand of humor and why it's impacted the way it has is 'cause more or less, it's all humor that's grounded in stuff that people can identify with. I remember saying to him on Undeclared, "Do you ever want to do a drama?"
And he said, "Why? Life is funny." I think that would be the whole sort of overriding principle -- the thesis statement -- for all of his movies is that life is funny.
Judd's just interested in what's happening and what's real. He's borderline f*cking brilliant, man, and he has this great intuition as to what's funny, but none of it is relevant if it isn't real. I think that's the key to his sort of brand of humor and why it's impacted the way it has is 'cause more or less, it's all humor that's grounded in stuff that people can identify with. I remember saying to him on Undeclared, "Do you ever want to do a drama?"
And he said, "Why? Life is funny." I think that would be the whole sort of overriding principle -- the thesis statement -- for all of his movies is that life is funny.
Another movie you were in for a big filmmaker was Million Dollar Baby for Clint Eastwood. What stands out for you as your favorite moment on the set with him?
JB: Arguing politics with him was pretty fun. It was like the first day on set, I was super stressed because he's still to this day the only man that I've ever worked for that, were my granddad still alive, he would've been impressed by. You know what I mean? People love Knocked Up, but my granddad probably couldn't have cared less. But Clint is freakin' Clint, man, and for males of many generations, Clint is incredibly important. So I felt the sort of weight of my ancestors staring at me, man, but he's like the nicest guy ever. He and I got into a political conversation and we're on opposite sides of the spectrum, but he's not a social conservative, at least. He's like a fiscal conservative, that's all. He just doesn't want to spend his money, which I can get behind. He doesn't give a shit what anyone else is up to. The conversation ended with me saying, "Well, I guess I'm just a pinko" and he laughed and walked away, but the fact that I could have that conversation -- that I can tell people that I had that conversation with Eastwood -- is pretty special.
Ben Stiller directed you in Tropic Thunder with Robert Downey Jr. and Jack Black. Those actors have a certain creative brand -- in the sense that if somebody says, "I'm going to see the new Robert Downey Jr. movie," audiences have some idea of what to expect based on his personality and film choices and what he brings to it. So if somebody is going to say, "I'm going to see the new Jay Baruchel movie," what would you want people to expect from that?
JB: I would hope that if I have no other virtue, I would hope that what I can do is be earnest. That's kind of one of the things I pride myself on. I might not be able to chew scenery as well as some guys, and I might not be as interesting standing still or whatever, but I think the one thing that I've got going for me -- one of the things that's of paramount importance to me in my line of work is truth and honesty. I'd like to hope that when people go to see me, they feel like I'm a guy that they'd know from parties or a bar or something -- like I'm a guy that they know from outside of movies. By far, the nicest thing anyone's ever written about me is f*cking [Roger] Ebert said I have this quality of feeling like you remember me from someplace outside of movies. So hopefully, if nothing else, I hope I just seem real.
Alice Eve was in another one of your films, She's Out of My League. On AskMen, we talk a lot about relationships and dating and stuff. So I want to ask you about that. What's your own opinion about leagues and should guys be conscious when they're pursuing a woman?
JB: I think it's absolute bullsh*t. Absolute f*cking nonsense. I think you're in whatever league you think you're in. Listen, I was raised my whole life to believe I was a catch. Warranted or not, that was the mentality I went in. All right? And I think that [if] you go in with pure intention and confidence, that's all that matters. I think there is no such thing as leagues. I think it's all just kids digging each other… Aim high, man. Aim high. Why wouldn't you go for those girls?
Speaking of women you've worked with, you worked with another AskMen favorite -- Monica Bellucci -- and Nicolas Cage in The Sorcerer's Apprentice. So what can you tell us about that?
JB: Well, she is by far the most beautiful woman I've ever seen, without a doubt. Without a doubt! What was amazing to me was that on the set, the guys closer to her age were like, "Oh yeah, she's pretty," but all the guys on the set that were my age were like, "Holy sh*t! Look at this woman!"
She is just lovely and kind and brilliant and funny, and all these things. Those were fun-ass days on set, man.
That movie's gonna be fun as hell. It is the epitome of the sort of big-ass July blockbuster event movie, man. There's shooting energy out of our hands and the eagle on the Chrysler Building comes to life, and the Wall Street Bull comes to life. There's a badass Ferrari chase and it takes place over the course of a millennia. It's just an awesome, awesome flick. You'll pay your money, you'll sit down and it'll be like going to the amusement park for two hours.
She is just lovely and kind and brilliant and funny, and all these things. Those were fun-ass days on set, man.
That movie's gonna be fun as hell. It is the epitome of the sort of big-ass July blockbuster event movie, man. There's shooting energy out of our hands and the eagle on the Chrysler Building comes to life, and the Wall Street Bull comes to life. There's a badass Ferrari chase and it takes place over the course of a millennia. It's just an awesome, awesome flick. You'll pay your money, you'll sit down and it'll be like going to the amusement park for two hours.
Anything you want to say about Nicolas Cage?
JB: He is the man. He and I are kind of cut from the same cloth, I think, and he was incredibly kind to me, and I count him as one of my friends, man. He's a bona fide artist and he's one of the most professional, kind guys I've ever worked with. I used to make him mix CDs and give him comic books and stuff. We're both huge nerds and we both just geeked out for six months. It wasn't lost on me, 'cause I snuck in to Con Air when I was 15 years-old, man, and he has the most unique, distinct cadence in movies. So to be in conversation with that -- every once in awhile I would have these moments where I'd be like, "You're talking to Nicolas Cage right now." It was -- in a word -- special.
You're planning to direct a horror film, Pig. So what can you tell us about that and your future plans?
JB: When I get to make that movie, it'll be the culmination of my life's work. Long before I ever started acting, believe it or not, I always knew I wanted to be a director. I always wanted to direct horror movies. That's what I've always wanted to do was scare the sh*t out of people, and I'm finally coming to fruition on that. If we get to make this movie, it'll be a badass f*cking controversial movie. It'll be what's best in horror, man, which is a polarizing movie. It's basically about a middle-aged, drug addicted white cop who chases four black kids throughout the ghetto on July 4th. So, it's like a re-imagination of the slasher genre with a fair bit of sociopolitical, racial commentary.
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text: Often I run into problems when trying to use mk-query-digest with tcpdump on "very" busy hosts. You might be thinking, "very busy is a relative and unquantifiable term," and you'd be right, so I'll phrase this differently. Let me give a little background to the problem first. Mk-query-digest tries to handle dropped or missing packets […]Read More


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Flu shots spike when required
Healthcare workers are required to receive the flu vaccine in 33 states.
Mandatory flu vaccinations for healthcare workers increase the overall vaccination rate, per new research from the University of Pittsburgh School of Medicine.
Analysts looked at immunization records from 2000 to 2011. During that period, the number of states with mandatory vaccination laws for healthcare workers jumped to 19. By the last year, the immunization rate for those in healthcare jumped from 22.5% to close to 51%. Fourteen more states have created mandatory vaccination laws since the study's completion.
Flu shots are recommended for all healthcare workers.
Results appeared in Journal of the National Medical Association.


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An important and valuable aspect of COMNAP is to allow exchange of information between National Antarctic Program staff on a range of relevant Topics. This is done by way of our Expert Groups.
Exchange of information on each Topic is coordinated and supported by a nominated "Expert Group Leader" and done through a dedicated mailing list and Workspace on the COMNAP web site. Each Expert Group Leader is overseen and supported by a designated EXCOM member.
Oversight EXCOM member
Be part of the COMNAP discussions on SOOS by signing up to become a member of the SOOS "Think Tank" forum. Select SOOS and you will be taken to the members only area to login and join the discussion and share documents and ideas. The discussions are taking place within our Science Facilitation Expert Group.
For further information contact Rob Wooding (firstname.lastname@example.com).


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As some of you may know, I am the Trade Editor at the University Press of North Georgia. Two of the books I've worked on are set to be released on September 2, 2014 — The Quiet Soldier: Phuong's Story by Creina Mansfield and Travels in Greeneland: The Cinema of Graham Greene, 4th ed. by Quentin Falk. The Quiet Soldier is a novel that retells Graham Greene's classic The Quiet American (my favorite Greene novel)from the perspective of Phuong, a minor character who plays girlfriend to the two leads in the original novel. Travels in Greeneland explores the movies that were made from Graham Greene's stories and all the movies that he had a part in writing the screenplays for.
Both of these books are great for fans of Graham Greene, and they're releasing just in time for Greene's centennial birthday, but you can enter for a chance to win both titles early! There's giveaways going on on Goodreads, and you can enter for a chance to win both books. The contest is open to the U.S, Canada, United Kingdom, and Australia.
Enter to Win The Quiet Soldier by Creina Mansfield
Enter to Win Travels in Greeneland by Quentin Falk


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Vintage Jewels / Antique Haven,LLC ®
Vintage Jewels / Antique Haven / Deb Hancock, Glendale AZ
Native American Zuni Inlay Sterling Silver Sun Face Turquoise Coral MOP Onyx Lapel Pin Tie Tac
$85.00 This pin has beautiful inlay mother of pearl, onyx, coral and turquoise in traditional sun face design with feather headdress, and silver bead trim..This old pawn pin is a classic Zuni style set in sterling silver, and seems to have more feathers on the headdress than most. The mother of pearl really shines! Currently there is a pin but this could easily be converted to pendant by having your jeweler add a loop for a chain. Approximately 1" across x 7/8" tall. This is a lovely example of Vintage Native American Zuni Channel Inlay in a traditional form. Excellent condition!
Please make your payment within 24 hours of purchase unless other arrangements are made prior to purchasing. Thank you for understanding.
International buyers please use Pay Pal.
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Store Wide Sale! Make Offers
GOLD Sold ONLY Online! No gold at my brick and mortar store! Offers welcome, most reasonable offers accepted.


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SOURCE: Maker Media
September 24, 2015 06:30 ET
Worldwide Leaders of the Maker Movement Join the Conversation at MakerCon: How Making Is Changing the New York Business Economy
Worldwide Leaders of the Maker Movement Join the Conversation at MakerCon: How Making Is Changing the New York Business Economy
NEW YORK, NY--(Marketwired - Sep 24, 2015) - MakerCon, the only conference by and for Makers, today brings the most prominent individuals in the Maker Movement together for a one-day conference focusing on vast discussion topics relevant to the business of Making and the impact it's having on the economy. MakerCon New York is a popular event during Maker Faire Week New York, which concludes this weekend with World Maker Faire on September 26 and 27.
The morning will begin with some inspiring words focusing on the impact of Making in the greater New York area. Minerva Tantoco, the first chief technology officer of New York City and Margaret Honey, president and CEO of the New York Hall of Science, are both leading the Maker Movement locally by promoting the growth of startups, technology, and innovation in education, business, and science.
Keynote conversations will be led by James Fallows, national correspondent for "The Atlantic"; Dr. Ellen Williams, director at Advanced Research Projects Agency of the Department of Energy; and Harbrinder S. Kang, Vice President, Corporate Affairs at Cisco Systems, Inc.
"MakerCon New York always has its own exciting atmosphere because it's so focused on the folks who are making an impact worldwide, but also within the local community," said Dale Dougherty, founder and executive chairman of Maker Media. "So much of the Maker Movement is always attributed to the tech scene on the west coast, but when people discover how powerful the Maker ecosystem is here in New York, it's exciting and inspiring. We actively celebrate the designers, manufacturers, and entrepreneurs who are reinvigorating New York's legacy as America's innovation hub."
Other New Yorkers embracing new ways of doing business at MakerCon include:
To learn more about today's events, the speaker lineup, and session descriptions visit makercon.com. The schedule of events for Maker Faire Week and World Maker Faire can be found at makerfaire.com.
About MAKER MEDIA
Maker Media is a global platform for connecting makers with each other, with products and services, and with our partners. Through media, events and ecommerce, Maker Media serves a growing community of makers who bring a DIY mindset to technology. Whether as hobbyists or professionals, makers are creative, resourceful and curious, developing projects that demonstrate how they can interact with the world around them. The launch of Make: magazine in 2005, followed by Maker Faire in 2006, jumpstarted a worldwide Maker Movement, which is transforming innovation, culture and education. Headquartered in San Francisco, Maker Media is the publisher of Make: magazine and the producer of Maker Faire. It also develops "getting started" kits and books that are sold in its Maker Shed store as well as in retail channels. The Make: brand caters to a universe of more than 25 million makers collectively across its Make: magazine, makezine.com, Maker Faires, and Maker Shed properties.
About Maker Faire Week New York
Maker Faire Week is a week-long celebration for Makers with activities, events, meetups, parties and more, all focused around the Maker Movement. With reach across all sectors, including tech, design, education, city planning and artistry, Makers will enjoy meeting and collaborating with their peers at events around the greater New York area from September 21-27, culminating with World Maker Faire. Maker Faire Week New York also hosts signature events presented by Maker Media including MakerCon, the professional conference by Makers for Makers on September 24 and World Maker Faire on September 26 and 27. With over 150 Maker Faires worldwide, Maker Faire Week New York is just one of the ways that the Maker Movement reaches over 1 million people, including families, educators, inventors, artists, corporate professionals and investors each year. Learn more about Maker Faire Week New York here.
Contact:Brita Muller email@example.com
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How God Sees Your Struggles:
Encouraging Yourself, Finding Strength
And Developing A Spiritual Perspective
By Lynn R. Davis
Note: This deal may change or expire at any time. Be sure to confirm the price before placing an order.
"Freely you received, freely give."
If you think you will enjoy this free book, be sure to share the deal with others using the buttons below.


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It's future rust and it's future dust.
28 comments:
Nice outfit, I love the leopard print :)ReplyDelete
Lovely music. Was it comfortable during the day with the knot?... When I knot my ts it always unravalles during the day.ReplyDelete
Wow, first time I've seen you with your hair scraped back like this, looks so good! Very 'model'y :) Adore the boots to xReplyDelete
love your belt AND Spanish Sahara, interesting that you find it wintery music, because it's the complete opposite for me! Reminds me of relaxing in the sun and the sand :)ReplyDelete
oooh the rings, shoes, leopard print, so cute! Love Foals, defs one of my favourtie songs by them!ReplyDelete
What? That outfit is not boring AT ALL! I love love love those boots! You always look amazing :DReplyDelete
i love your boots and rings and leopard top!ReplyDelete
was the title of this post from that song? I want to know what it was from, it sounds so cool!
Love the tied shirt SO much, I always do that too ! Can't tell you how much I love the color of your hair, I'm obsessed with it xReplyDelete
Cool outfit, I like the leopard top. Very awesome blog, I am following. Hope you feel less crappy soon.ReplyDelete
Great look!ReplyDelete
you look super cool, I'm diggin the boots and your fresh face sans heavy make up.ReplyDelete
Love this outfit and you look very edgy.ReplyDelete
Hope you have fun at the college tour! That must be exciting. :)
great ring! also love the knotted shirt underneath.ReplyDelete
Have fun on the college tour! I've been doing the same, its so exciting to know that next year we'll be going away to school isn't it?
oh my, totally love your leopard print jacket, its luurvly! and awesome rings, wish there was a target in london!!ReplyDelete
- Anonymous12 November 2011 at 13:33
really chill song indeed! love your blog and you are adorable. this outfit is great since the print makes it pop. keep in touch lovely <3ReplyDelete
Great style and I love the hair color :)ReplyDelete
Girl, i really love you outfit and also your blog.ReplyDelete
I follow you, follow me too ? and thank you so much for the really nice comment on my blog !
Love this outfit, especially how you've tied up the sweater. Have fun looking at schools! I went to Toronto once and it seemed like a great place. Ok and back to your outfit, I want to steal those boots. They are AWESOME!ReplyDelete
whoa, this is the sexiest look I've seen you bust out, yet!ReplyDelete
wonderful minimalist look!ReplyDelete
What a nice outfit! love your high waist pants. The coat is really cool.ReplyDelete
You are so luck with your great taste and style.ReplyDelete
eeep! I love your top and the blouse! <3ReplyDelete
Boring ? not at all ! (and judging by all these comments, I think Im right here). Good gawd momma, with your hair pulled back, it really shows off your lovely pale skin and sweet face, just stunning xoReplyDelete
You look great with your hair like that :) and I love today's outfit!ReplyDelete
Life is a romantic poem
Gorgeous, edgy outfit! I love it!ReplyDelete
thanks for visiting/comenting on my blog, good to hear that you like toronto now:)) following your lovely blog!!ReplyDelete
Great look! You look amazing!!! Thanks for visiting my blog! I am now following you. Follow back if your like:)ReplyDelete


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"Kewal" Surname
Frequency of "Kewal" Surname in the US
2000 US Census
The surname "Kewal" is not included in the US Census Bureau's ranking of surnames with 100 or more people. Since fewer than 100 people with this surname were included in the 2000 Census, it is relatively uncommon.
Source: "Frequently Occurring Surnames from the Census 2000", US Census Bureau.
1990 US Census
Accoring to the US Census Bureau, "Kewal" ranked #43,288 in frequency out of 88,799 surnames for which statistics were released from the 1990 Census.
Source: "Frequently Occurring Surnames from the 1990 Census", US Census Bureau.
"Kewal" Graves on Histopolis
Histopolis currently has 0 grave(s) with the surname "Kewal".
Resource Links for "Kewal"
Do you know of a web page containing information about this surname that would be useful to genealogy or history researchers? Please add it now! (Free registration required)
Surnames that Sound Like "Kewal"
The surname "Kewal" has a Soundex code of K400. The following 305 surname(s) may sound similar to "Kewal" since they share the same Soundex code.


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The undefeated Wisconsin Badgers are still on the outside looking in for the College Football Playoff. But they continue to inch their way closer to the proceedings.
Wisconsin is No. 5 in the latest College Football Playoff standings, trailing Alabama, Clemson, Miami and Oklahoma. A slip by any one of those teams would surely put the presumptive Big Ten champions into the College Football Playoff.
And, realistically, that is what it will take for Wisconsin to have a shot at the national championship. The Badgers must go undefeated and win the Big Ten to reach the Playoffs.
Even that might leave them little breathing room.
At No. 6 is two-loss Auburn. If the Tigers go undefeated that would give them a win over No. 1 Alabama and likely another win over No. 7 Georgia. That would be three wins over top-10 teams in about a month. That would be hard for anyone to ignore — even with two losses.
Wisconsin can only do what it can do with the schedule remaining. But the margin of error is as thin as it can be. The Badgers' only real chance for an impressive victory would come in the Big Ten Championship Game where they would likely face No. 9 Ohio State. As it stands, Wisconsin's most impressive win is over No. 23 Northwestern.
Wisconsin plays No. 24 Michigan this Saturday. Another chance for a solid win that might get shrugged off. Such is Wisconsin's season.
The Big Ten has six teams in the Top 25 of the College Football Standings. Wisconsin leads the way at No. 5. Ohio State is No. 9, Penn State is No. 10 and Michigan State is No. 11. Northwestern and Michigan bring up the rear at No. 23 and No. 24. Iowas was dropped from the rankings following the loss to Wisconsin last weekend.
To be sure, the standings are encouraging for the Badgers. It would seem they are in prime position to jump into the Playoff picture. But they will need help. They do not control their own destiny in this matter.
And even winning out and winning their conference with a loss from a team above them does not guarantee much. The Big Ten's hopes rest on Wisconsin finding a way in. Only time will tell if they can.


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On the 14th December, The Henry Jackson Society hosted "Defusing Global Nuclear Threats: The Iran Deal and its Aftermath" featuring Thomas Countryman, Assistant Secretary for International Security and Non-proliferation at the US Department of State.
Mr. Countryman began the event by explaining the Obama administration's stance on Nuclear weapons. He argued that preventing the spread of nuclear weapons is a moral duty and an essential goal for world powers to work towards. He then moved on to claim that non-proliferation treaties are humanitarian issues and not solely security agreements. Mr. Countryman also noted that since 1967 the number of nuclear weapons has decreased by 85%, representing a positive step in world affairs.
Mr. Countryman then discussed the recent nuclear agreement with Iran. He argued that one of the greatest global threats was an Iran with nuclear weapons. He stated that the deal had curtailed the likelihood of this occurring in the near future. Mr. Countryman said that 20% of Iran's supply of enriched uranium had been eliminated and that any further enrichment would require Iran to create a covert supply chain. Alongside this, all of Iran's underground enrichment has been halted and the reactor at Arak will be redesigned to ensure no weapons grade plutonium can be produced. He noted that the International Atomic Energy Agency had the ability to inspect numerous sights to guarantee compliance. This oversight has been combined with the capability for sanctions to 'snapback' upon indication that Iran is flouting its responsibilities.
Mr. Countryman asserted that the deal is the strongest nuclear agreement in history. It has succeeded in removing a destabilising element from the Middle East and has furthered Obama's goal of ridding the world of nuclear weapons. He then considered the future of the agreement. He felt that it would be vital for any incumbent President to adhere to the deal. To unilaterally re-impose sanctions could risk allies and adversaries considering the US as an unreliable negotiating partner and could inadvertently strengthen Iran. He argued that Iran had incentives to comply with the agreement due to the lifting of sanctions. Mr. Countryman said that the ending of the sanctions regime is what gave the deal a humanitarian aspect as well as being a vital non-proliferation agreement.


text: Basically the problem I am having is that my tv does not detect a signal from the wii. I turn on the wii with a normal disc and I hear it about to start up and the screen turns black for a second like it is getting a signal, but then disappears. Nothing happens when I turn on w/o any disc. I think this happened after I ran a PAL VC game that I tried to repack into region free. The game worked fine, but I turned off the system when I saw it was working instead of going back to system menu. Now my tv can't seem to pick up a signal. Any ideas of what I can do?


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NorthWestern Energy develops and follows an annual Integrated Vegetation Management Plan (IVMP) for managing vegetation growth in our electric rights of way (ROWs). The primary objective of our plan is to reduce the likelihood of tree-caused outages on our electric system and to control noxious weeds. However, our IVMP also encourages the growth of native grasses and shrubs providing vegetation and habitat preferred by many species of wildlife.
The company has 7,200 miles of electric transmission ROW and about 15,000 miles of electric distribution ROW in Montana alone. These corridors vary from 10 to 75 feet on each side of the line depending on the voltage. Annually our group of skilled arborists and vegetation management technicians physically inspect our electric transmission lines and identify then address potential issues. We spend more than $8 million annually on transmission and distribution ROW maintenance.
In addition to providing excellent habitat for wildlife like elk, deer, bears, small mammals and many songbirds, our ROWs play a strategic role in controlling wildland fires. Fire fighters often view our electric corridors as firebreaks as well as critical transportation routes for crews.
Developing a successful ROW management plan involves many groups. We work with representatives from the Forest Service, Bureau of Land Management, Montana Department of Natural Resources and Conservation along with individuals from city and county governments and tree or forestry agencies.


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In the year since a ringing telephone brought awful news to Ann Freeman, the mother of Lauren and Carolyn Bessette has cloaked herself in private grieving, taking refuge only in her family and the Greenwich community that has supported her silence.
She has not joined in the public mourning for her daughters and son-in-law, John F. Kennedy Jr., or responded to the mounting rumors about her family's possibly litigious relationship with the Kennedys. On the anniversary of her daughters' deaths, however, it is clear that the least-public figure in this media-saturated disaster is still having difficulty keeping control of a life that spiraled wildly into the public domain exactly a year ago.


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After nearly a decade of hard work the ACHM Radionecrosis Research Registry has been published.
Niezgoda JA, Serena TE, Carter MJ. Outcomes of Radiation Injuries Using Hyperbaric Oxygen Therapy: An Observational Cohort Study. Adv Skin Wound Care. 2016 Jan;29(1):12-19.
Read Abstract
Read Full Study (Members Only)
We are proud to have accomplished this epic study and to bring the project to conclusion. The publication of this study will have a significant impact on the lives of patients suffering with the late effects of radionecrosis. This is largest study ever published in the field of hyperbaric medicine. The reported outcome data strongly supports the efficacy of hyperbaric oxygen therapy in radiation injured patients will serve as strong and irrefutable evidence capable of persuading insurance carriers to reconsider and reverse denial determinations. It is the hope of the ACHM that this monumental study will provide the evidence to support the field of hyperbaric medicine well into the future, allowing this therapy to be available to patients across the country.
The ACHM would like to recognize the facilities and medical directors who participated in this collaborative research project.


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Award-winning author Alan Bradley returns with another beguiling novel starring the insidiously clever and unflappable eleven-year-old sleuth Flavia de Luce. The precocious chemist with a passion for poisons uncovers a fresh slew of misdeeds in the hamlet of Bishop's Lacey—mysteries involving a missing tot, a fortune-teller, and a corpse in Flavia's own backyard.
Flavia had asked the old Gypsy woman to tell her fortune, but never expected to stumble across the poor soul, bludgeoned in the wee hours in her own caravan. Was this an act of retribution by those convinced that the soothsayer had abducted a local child years ago? Certainly Flavia understands the bliss of settling scores; revenge is a delightful pastime when one has two odious older sisters. But how could this crime be connected to the missing baby? Had it something to do with the weird sect who met at the river to practice their secret rites? While still pondering the possibilities, Flavia stumbles upon another corpse—that of a notorious layabout who had been caught prowling about the de Luce's drawing room.
Pedaling Gladys, her faithful bicycle, across the countryside in search of clues to both crimes, Flavia uncovers some odd new twists. Most intriguing is her introduction to an elegant artist with a very special object in her possession—a portrait that sheds light on the biggest mystery of all: Who is Flavia?
As the red herrings pile up, Flavia must sort through clues fishy and foul to untangle dark deeds and dangerous secrets.
From the Hardcover edition.
Les informations fournies dans la section « Synopsis » peuvent faire référence à une autre édition de ce titre.
Alan Bradley is the internationally bestselling author of many short stories, children's stories, newspaper columns, and the memoir The Shoebox Bible. His first Flavia de Luce mystery, The Sweetness at the Bottom of the Pie, received the Crime Writers' Association Debut Dagger Award, the Dilys Award, the Arthur Ellis Award, and the Agatha Award, and was nominated for the Macavity, the Anthony, and the Barry awards. His second Flavia de Luce mystery is The Weed That Strings the Hangman's Bag. Bradley lives in Malta with his wife and two calculating cats, and is currently at work on the next Flavia de Luce mystery, I Am Half Sick of Shadows.
From the Hardcover edition.
"You frighten me," the Gypsy said. "Never have I seen my crystal ball so filled with darkness."
She cupped her hands around the thing, as if to shield my eyes from the horrors that were swimming in its murky depths. As her fingers gripped the glass, I thought I could feel ice water trickling down inside my gullet.
At the edge of the table, a thin candle flickered, its sickly light glancing off the dangling brass hoops of the Gypsy's earrings, then flying off to die somewhere in the darkened corners of the tent.
Black hair, black eyes, black dress, red-painted cheeks, red mouth, and a voice that could only have come from smoking half a million cigarettes.
As if to confirm my suspicions, the old woman was suddenly gripped by a fit of violent coughing that rattled her crooked frame and left her gasping horribly for air. It sounded as though a large bird had somehow become entangled in her lungs and was flapping to escape.
"Are you all right?" I asked. "I'll go for help."
I thought I had seen Dr. Darby in the churchyard not ten minutes earlier, pausing to have a word or two at each stall of the church fête. But before I could make a move, the Gypsy's dusky hand had covered mine on the black velvet of the tabletop.
"No," she said. "No . . . don't do that. It happens all the time."
And she began to cough again.
I waited it out patiently, almost afraid to move.
"How old are you?" she said at last. "Ten? Twelve?"
"Eleven," I said, and she nodded her head wearily as though she'd known it all along.
"I see--a mountain," she went on, almost strangling on the words, "and the face--of the woman you will become."
In spite of the stifling heat of the darkened tent, my blood ran cold. She was seeing Harriet, of course!
Harriet was my mother, who had died in a climbing accident when I was a baby.
The Gypsy turned my hand over and dug her thumb painfully into the very center of my palm. My fingers spread--and then curled in upon themselves like the toes of a chicken's severed foot.
She took up my left hand. "This is the hand you were born with," she said, barely glancing at the palm, then letting it fall and picking up the other. ". . . and this is the hand you've grown."
She stared at it distastefully as the candle flickered. "This broken star on your Mount of Luna shows a brilliant mind turned in upon itself--a mind that wanders the roads of darkness."
This was not what I wanted to hear.
"Tell me about the woman you saw on the mountain," I said. "The one I shall become."
She coughed again, clutching her colored shawl tightly about her shoulders, as though wrapping herself against some ancient and invisible winter wind.
"Cross my palm with silver," she demanded, sticking out a grubby hand.
"But I gave you a shilling," I said. "That's what it says on the board outside."
"Messages from the Third Circle cost extra," she wheezed. "They drain the batteries of my soul."
I almost laughed out loud. Who did this old hag think she was? But still, she seemed to have spotted Harriet beyond the veil, and I couldn't let skepticism spoil even half a chance of having a few words with my dead mother.
I dug for my last shilling, and as I pressed the coin into her hand, the Gypsy's dark eyes, suddenly as bright as a jackdaw's, met mine.
"She is trying to come home," she said. "This . . . woman . . . is trying to come home from the cold. She wants you to help her."
I leapt to my feet, bashing the bottom of the table with my bare knees. It teetered, then toppled to one side as the candle slid off and fell among a tangle of dusty black hangings.
At first there was a little wisp of black smoke as the flame turned blue, then red, then quickly orange. I looked on in horror as it spread along the drapery.
In less time than it takes to tell, the entire tent was in flames.
I wish I'd had the presence of mind to throw a wet cloth over the Gypsy's eyes and lead her to safety, but instead I bolted--straight through the circle of fire that was the entranceway--and I didn't stop until I reached the coconut pitch, where I stood panting behind a canvas drape, trying to catch my breath.
Someone had brought a wind-up gramophone to the churchyard, from which the voice of Danny Kaye was issuing, made nauseously tinny by the throat of the machine's painted horn:
"Oh I've got a lov-ely bunch of coconuts.
There they are a-standin' in a row . . ."
I looked back at the Gypsy's tent just in time to see Mr. Haskins, St. Tancred's sexton, and another man whom I didn't recognize heave a tub of water, apples and all, onto the flames.
Half the villagers of Bishop's Lacey, or so it seemed, stood gaping at the rising column of black smoke, hands over mouths or fingertips to cheeks, and not a single one of them knowing what to do.
Dr. Darby was already leading the Gypsy slowly away towards the St. John's Ambulance tent, her ancient frame wracked with coughing. How small she seemed in the sunlight, I thought, and how pale.
"Oh, there you are, you odious little prawn. We've been looking for you everywhere."
It was Ophelia, the older of my two sisters. Feely was seventeen, and ranked herself right up there with the Blessed Virgin Mary, although the chief difference between them, I'm willing to bet, is that the BVM doesn't spend twenty-three hours a day peering at herself in a looking glass while picking away at her face with a pair of tweezers.
With Feely, it was always best to employ the rapid retort: "How dare you call me a prawn, you stupid sausage? Father's told you more than once it's disrespectful."
Feely made a snatch at my ear, but I sidestepped her easily. By sheer necessity, the lightning dodge had become one of my specialties.
"Where's Daffy?" I asked, hoping to divert her venomous attention.
Daffy was my other sister, two years older than me, and at thirteen already an accomplished co-torturer.
"Drooling over the books. Where else?" She pointed with her chin to a horseshoe of trestle tables on the churchyard grass, upon which the St. Tancred's Altar Guild and the Women's Institute had joined forces to set up a jumble sale of secondhand books and assorted household rubbish.
Feely had seemed not to notice the smoking remnants of the Gypsy's tent. As always, she had left her spectacles at home out of vanity, but her inattentiveness might simply have been lack of interest. For all practical purposes, Feely's enthusiasms stopped where her skin ended.
"Look at these," she said, holding a set of black earrings up to her ears. She couldn't resist showing off. "French jet. They came from Lady Trotter's estate. Glenda says they were quite fortunate to get a tanner for them."
"Glenda's right," I said. "French jet is nothing but glass."
It was true: I had recently melted down a ghastly Victorian brooch in my chemical laboratory, and found it to be completely silicaceous. It was unlikely that Feely would ever miss the thing.
"English jet is so much more interesting," I said. "It's formed from the fossilized remains of monkey-puzzle trees, you see, and--"
But Feely was already walking away, lured by the sight of Ned Cropper, the ginger-haired potboy at the Thirteen Drakes who, with a certain muscular grace, was energetically tossing wooden batons at the Aunt Sally. His third stick broke the wooden figure's clay pipe clean in two, and Feely pulled up at his side just in time to be handed the teddy bear prize by the madly blushing Ned.
"Anything worth saving from the bonfire?" I asked Daffy, who had her nose firmly stuck in what, judging by its spotty oxidized pages, might have been a first edition of Pride and Prejudice.
It seemed unlikely, though. Whole libraries had been turned in for salvage during the war, and nowadays there wasn't much left for the jumble sales. Whatever books remained unsold at the end of the summer season would, on Guy Fawkes Night, be carted from the basement of the parish hall, heaped up on the village green, and put to the torch.
I tipped my head sideways and took a quick squint at the stack of books Daffy had already set aside: On Sledge and Horseback to Outcast Siberian Lepers, Pliny's Natural History, The Martyrdom of Man, and the first two volumes of the Memoirs of Jacques Casanova--the most awful piffle. Except perhaps for Pliny, who had written some ripping stuff about poisons.
I walked slowly along the table, running a finger across the books, all of them arranged with their spines upwards: Ethel M. Dell, E. M. Delafield, Warwick Deeping . . .
I had noticed on another occasion that most of the great poisoners in history had names beginning with the letter C, and now here were all of these authors beginning with a D. Was I on to something? Some secret of the universe?
I squeezed my eyes shut and concentrated: Dickens . . . Doyle . . . Dumas . . . Dostoyevsky--I had seen all of them, at one time or another, clutched in Daffy's hands.
Daffy herself was planning to become a novelist when she was older. With a name like Daphne de Luce, she couldn't fail if she tried!
"Daff!" I said. "You'll never guess--"
"Quiet!" she snapped. "I've told you not to speak to me when I'm reading."
My sister could be a most unpleasant porpoise when she felt like it.
It had not always been this way. When I was younger, for instance, and Father had recruited Daffy to hear my bedtime prayers, she had taught me to recite them in Pig Latin, and we had rolled among the down-filled pillows, laughing until we nearly split.
"Od-gay ess-blay Ather-fay, Eely-fay, and Issis-may Ullet-may. And Ogger-day, oo-tay!"
But over the years, something had changed between my sisters and me.
A little hurt, I reached for a volume that lay on top of the others: A Looking Glasse, for London and Englande. It was a book, I thought, that would appeal to Feely, since she was mad abou...
Les informations fournies dans la section « A propos du livre » peuvent faire référence à une autre édition de ce titre.
Frais de port :
De Royaume-Uni vers Etats-Unis
Description du livre Books on Tape, 2011. CD-Audio. Etat : New. Language: N/A. Brand New. N° de réf. du vendeur BTE9780307704795


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To study the function of switches in simple circuits
Two identical automotive-type 12 volt lamps of low power rating, three lamp sockets, 6 volt DC or AC source
One SPST knife switch, two SPDT knife switches, one DPDT knife switch, fuse, two lamp sockets.
In this exercise you will be posed a series of problems about switches and lamps. Figure out a way to accomplish each task, draw the circuit, and have it checked by the instructor. Then, if it is approved, wire it and test it.
(1) First, connect the power source and fuse in series and leave them connected for the entire experiment.
(2) Connect the power source, one lamp and one SPST switch so that the switch turns the lamp on and off.
(3) Connect the power source, one lamp and two switches so that each switch controls the lamp independently. That is, each switch will turn the lamp on and off without regard to the setting of the other switch. A practical application of this is a light in a room controlled by switches near two doors, or a light controlled by switches at the bottom and top of a stairway.
(4) Modify the circuit of part 3 by adding one DPDT knife switch so that each of the three switches can control the lamp independently. Such a circuit is often used in house wiring when a room lamp must be controlled from three locations.
(5) The same principle can be used to control one lamp from any number of switches. Two switches can be SPDT, all of the others must be DPDT. Electrical supply stores sell SPDT switches as "two-way" switches, the DPDT, specially wired internally, are called "three-way".
(6) Devise a circuit such that one switch toggles two lamps from series to parallel connection. A DPDT switch will be required. Be especially careful to avoid a circuit which shorts out one of the lamps!
(7) If you find one circuit which satisfies the conditions of part 6, now find another different circuit to do the same thing.
(8) Puzzle: You are given three resistors permanently soldered in a series string. How can you connect them in parallel by adding wires, but without disconnecting or unsoldering the series string.
(9) Puzzles: Consider these circuits:
All of these lamps are identical. The cells are identical (equal emf and equal internal resistance). With the switch open, both lamps burn equally brightly. What will happen when the switch is closed?
a) Both lamps burn brighter.
© 1996, 2004 by Donald E. Simanek.


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Litigation Boutiques Match, Exceed Cravath Scale Bonuses
Holwell Shuster & Goldberg LLP announced that its associate bonuses would align with the so-called Cravath scale, ranging from $15,000 to $100,000, while Wilkinson Walsh & Eskovitz LLP, as it did last year, offered bonuses that exceeded that scale by 50 percent for all associates across the board, according to...
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