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tag:blogger.com,1999:blog-9160496969159603912015-12-18T22:20:04.766-08:00BlogbusinessworldBlogbusinessworldAngelica Ira email@example.com:blogger.com,1999:blog-916049696915960391.post-57462106775730755872015-11-19T17:12:00.001-08:002015-11-19T17:12:10.427-08:00Take advantage of all of the investment
An excellent tactic to employ would be to have money automatically transferred from your main banking accounts in a high end bank account. In the beginning, this could seem uncomfortable, but after some months, you'll address it like another bill plus your savings will grow to a impressive amount in no time.

Try and save a small section of your cash every day. As opposed to purchasing the same things time and time again, use coupons, have a look at the circulars for the couple food markets and compare their prices. Be willing to change to food that's for sale.

You must balance inside your portfolio one per year. Re-balancing your portfolio gets your investments in addition to your goals and risk tolerance. Rebalancing your portfolio also helps you with your tries to buying low and selling high

Younger people who want to stay along with their finances should check out the wonders of compounding interest.

Everyone ought to have got a liquid savings that may be liquid. This account must be a higher yield bank account.

Get your finances back to normal by creating and sticking with a financial budget you can adhere to. Whether you prefer a pen-and-paper approach or software which you can use on your own pc and smartphone, a spending budget may help you center on your spending habits so that you can adjust as necessary. It will also help curb unnecessary spending.

A credit score of 740 is desirable in order to obtain a mortgage. Using a score of 740 or over will make sure you lower rates of interest. Spend some time to improve your credit history should it be needed. Don't try to acquire a new mortgage with less-than-perfect credit is terrible.

Using several checking account can aid you to itemize your money. Use a single account to pay for fixed expenses and another your spending money goes into. This will help you keep track on that you spend your cash, and sustain a better concept of everything you spend your money on.

It is necessary to your personal finances you have a technique for getting rid of old financial documents safely. A two-way shredder is the simplest way to dispose of documents. You might risk fraud and id theft if these documents usually are not properly discard old files you will no longer need.Be thorough to protect yourself financially.

Conserving money on a vital part of your own finances. You should also must earmark some money aside for retirement. No matter the reasoning, it's always smart to save money.

Thrift shopping isn't simply for the poor like many individuals using a low income. It is possible to avoid wasting cash and look for items that are gently used for example books, household furnishings, books and much more at some of these thrift-type stores. Be sure to shop at the outset of the time for the very best variety.

It might be a wise strategy to put some funds into an unexpected emergency savings fund before paying down your charge cards, specifically if the consumption of bank cards helped to make the debt.

Do you need to save about $100 on a monthly basis? Pour into portable cups and take your coffee along!

Tax planning is surely an advantageous way of improving your finances as a way. Take advantage of all of the investment options that the employer provides on their workers.Put aside some pre-tax money aside to pay any medical expenses.It is good for your money to utilize the money that you simply earn wisely.

When there is no need control over your hard earned dollars, anger and frustration placed in quickly. If you achieve the best advice whilst keeping your choices open, you will not possess any trouble getting the finances directly into shape. Utilize this advice to get your money manageable.
Angelica Ira Johnsonhttps://email@example.com://blogbusinessworld.blogspot.com/2015/11/take-advantage-of-all-of-investment.htmltag:blogger.com,1999:blog-916049696915960391.post-83781150559755762702015-11-19T17:10:00.001-08:002015-11-19T17:10:51.763-08:00The Things You Have To Understand Personal FinanceAre you currently frustrated when you think about your own finances are out of hand? Many people feel using this method, plus they often only might need some good, so long as you are open minded.Here is some good info that will assist you may be back handling your financial concerns.

Profits need to be protected and capital invested. Set a regular for the purpose you retain as profit and what exactly is reallocated into investments.

If your stock is performing well, leave them be. You are able to certainly go on a second take a look at stocks that aren't doing as well in the meantime.

Use from 2 to 4 charge cards to experience a favorable credit rating. Using one card can take a while to enhance your credit, while having a substantial amount of credit cards can be a potential indicator of poor financial management.

If you cannot pay a debt and have collection agencies contacting you, it is important that you should know that debts eventually expire once they remain unpaid for the specified length of time. Ask a financial expert to learn as soon as your debt expires and avoid paying collection agencies that try to collect a classic debt.

Going out to restaurants less can help to save money. You may save lots of money by preparing meals in your house.

Take full advantage of online banking alert services available from your bank can offer you. Many banks will send emails or text you if you have activity reported on your own account.

You can learn a whole lot concerning how to manage your hard earned dollars by speaking to a friend or family member who has experience in the financial industry.If someone fails to know anyone within the financial profession, perhaps a friend of the friend who understands how to handle their finances might be a help at the same time.

Allow yourself a "pocket cash" allowance so that you will don't overspend. Your money allowance enables you to purchase things like books, meals out, or new shoes, but once it's gone, you're done up until the next allowance. This method for you to still allow yourself to enjoy little treats without destroying your budget.

If math is not your personal style, look into performing it digitally. There are many software programs and Internet resources to assist you to track spending, monitor income, calculating interest, and in many cases map out your financial budget and savings for the month.

Keep all the important documents together in files to gain access to them easily. Keep your entire personal documents together and you will locate them easier.

Angelica Ira Johnsonhttps://email@example.com://blogbusinessworld.blogspot.com/2015/11/the-things-you-have-to-understand.htmltag:blogger.com,1999:blog-916049696915960391.post-64197248166375918772015-11-17T06:13:00.002-08:002015-11-17T06:13:52.622-08:00Blogging Advice From Experts To Assist You SucceedBlogging is alluring since individuals have a great deal of things they would like to express around the world. This article can help you in reaching your blogging goals.

Be there to your readers. Come up with a habit out of replying to posts or routine to your readers and yourself. If you think much like your blog is not really something you wish to continue with, consider your regular readers and followers.

Use good seo strategies to improve your blog site.

You should make every effort to include new content to your blog fresh.New content regularly may be the ones you have. Without new content, your visitors will never be compelled to check out your blog, readers may have few reasons to return.Angelica Ira Johnsonhttps://firstname.lastname@example.com://blogbusinessworld.blogspot.com/2015/11/blogging-advice-from-experts-to-assist.htmltag:blogger.com,1999:blog-916049696915960391.post-9236093255174324232015-11-13T21:41:00.002-08:002015-11-13T21:43:41.790-08:00Personal Finance Ideas To Help You FastMoney can help you feel less stressed, but having it can give you feelings of security. Having lots of money is effective in reducing stress and anxiety jual blog zombie. The main cause afflict far too many people. Money is not going to buy happiness, keep reading to further improve your finances.

If a stock is earning an excellent amount, leave it alone for a period of time. You can view your stocks that are underperforming and think of moving a few of those around.

Try writing things down on a whiteboard situated in your business or den. You can expect to pass by everything day hence the message stays in your thoughts.

This can be a requirement for you to save some of your respective money each and every month. This is extremely beneficial when you find yourself spending less for anyone who expects to enjoy a special occasion soon.

It really is definitely possible to see a drop in your credit score lowers while you are looking to repair your credit. This ought to be temporary and isn't an indication that anything you have performed is wrong. Your credit score will rise while you continue to add quality information.

If you're within a marriage, make certain that the spouse containing the very best credit is one which applies for loans. If you currently have an unsatisfactory credit ranking, you can assemble it back up if you are paying off credits each month. Once your credit is better, it is possible to share your debt responsibility for future loans.

When your debt has become turned to a collection agency, realize that most of the time, it can eventually expire. Ask a monetary expert to find out when your debt you owe will elapse and prevent paying collection agencies that attempt to collect money for older debt.

Avoid eating out to save lots of a lot of cash.You are going to save a lot of money by preparing meals in the home.

Credit cards with rewards are usually preferable over atm cards. Should your credit card application is approved, utilize it to acquire everyday items, for example gas and groceries. Usually, like cash back on these items.

Your vehicle is really a large and important purchase that you will have to produce during your life. You can also look for a vehicle online on dealership websites.

You ought to open a bank account setup in case there is an urgent situation. You might also set a savings goal on your own, or possibly a relaxing vacation.

It is possible to sell a classic items for some extra money weekly.

If you live paycheck to paycheck and coming short more often than not, it might be helpful to get an overdraft program. This fee can save you from your lot bigger fees in the foreseeable future.

Keep every one of the important tax related documents together in files to gain access to them easily. Keep all your personal documents together and you can discover them easily.

An excellent method is to create an automated withdrawal out of your main account into a high end bank account. It might help you feel just like you are from your comfort zone, however your bank account will quickly grow.

Don't cut corners to spend less by skipping maintenance on home or vehicle maintenance. Through taking good care of your premises, you minimize the danger of having to make a major repair later on.

Make sure you budget and track of what you really are spending your funds on for two weeks as well as months to obtain a better knowledge of your spending habits.

You need to start conserving money for your children's education immediately after they can be born. College costs a fortune, and if you just start saving as soon as your child can be a teen, you could struggle to send them.

Even small things can assist in your financial status. Instead of buying coffee, make your own inside the mornings. You might have just saved $25 a month doing that. Ride the bus instead of you daily commute. This could easily help you save a few hundred dollars per month. This is better for you than a single mug of coffee.

Don't solely depend upon a charge card. Credit card companies are imposing minimums on purchases today, so to avoid getting stuck in times, keep cash plus your debit card along with you.

Help you get personal finances back on track by creating and staying on a budget you can stick with. No matter whether you budget via software or paper and pencil, creating and sticking with an affordable budget can aid you to identify your financial pros and cons. It may also keep you responsible for your spending.

When you have a higher-paying job in a new city, don't forget about potentially higher costs of living. See how much key services and goods for example housing, food, groceries and all of other expenses before you make your move.

Will not open a brand new line of credit or remove loans unless it really is a last resort. Though it may be sometimes essential to do these items, it is advisable to become out from debt and save for the big things everyone needs later in life.Some things you will need to finance include houses and vehicles.

Take a look at bank statements once you receive them.This should help you determine if some of the rates have gone up. Lots of people decide to overlook their statements and turn out paying far more in fees than necessary. Read every statement carefully every month for your reason.

Pay off any credit card balances as quickly as possible. Even a modest amount of revolving debt can lead you to pay extra for the truth that it may roll over to the next month. This really is extra money which you ought not making. Pay your credit cards off every month and also pay a bit more compared to minimum.

The things you discovered now about putting your funds to be able will inevitably boost your standard of living, when you apply them in the positive way. Fixing your finances will require a certain amount of effort and time and can require you to change a little. Eventually, you may be happier and fewer stressed. Since those factors will lessen the worry in your life, it is possible to reside a happier life.Angelica Ira Johnsonhttps://firstname.lastname@example.com://blogbusinessworld.blogspot.com/2015/11/personal-finance-ideas-to-help-you-fast.htmltag:blogger.com,1999:blog-916049696915960391.post-61687700075561160812015-11-10T00:21:00.001-08:002015-11-10T00:22:16.017-08:00Excellent Assistance With Personal Finance And You
Can you handle the responsibility of your personal finances? Being financially responsible is a vital step in your own life.

Will not cope with an agent you are looking for investing with.Check their references and discover somebody else if you feel they are saying to evaluate their honesty. Your experience can assist you to spot a broker jual saldo paypal

Will not fall for scams promising you with a better credit repair has the guaranteed success to enhance your history. Most of these companies exaggerate remarkable ability to improve your history. This isn't accurate since what's affecting your credit ranking is affected to how another deals with credit issues. To assert that they could clear your credit completely is certainly a fraud plus they are probably committing fraud.

Avoid stepping into further debt to save your own personal finances. While some debt is inescapable, like mortgages or college loans, you should give your very best in order to avoid toxic debt like bank cards. You won't need to dedicate as much of the funds to paying interest and possible fees when you borrow less.

Having a solid plan may be motivating, because it will give you a certain reason to operate harder or curtail other forms of spending.

Through taking control of where your hard earned money is going, take note of your cash flow.Record your entire cash receipts and how much you spend so that you can discover how your premises has been doing after every billing cycle.Make sure that you establish a solid budget in your mind and stick to it.

Keep every one of the important documents together in a active file. Keep all of your important documents such as receipts or insurance papers in a file so that you can see them easier.

A helpful saving approach is to setup a computerized withdrawal through your bills on time. In the beginning it will be hard, but soon it can become another monthly bill as well as the bank account will grow.

Speak to friends about how exactly you're doing financially. This will assist them realise why you really feel a bit better about not seeing them.When you don't let people be aware of reason you can't afford to go on a visit or purchase a gift, they could carry on and push you into spending greater than you need to. Keep your friends find out about your financial challenges.

Take time to mull over your relationship with money.This can help you work through and commence your future with positive feelings.

When you can easily complete a home improvement task yourself, don't waste your cash on the professional.

Find and target areas where you are spending a ton of money. Any money left could go towards paying back debt or dedicated to savings.

Ensure that you budget and tabs on what you will be expending money to go by expenses.

Developing a written budget is the simplest way to succeed with your personal finances. To produce your budget, list all of your expenses in just one column for the month. Be certain to include any living expenses, including rent, cars, lights, phones, groceries as well as other regular payments. Make sure to list all expected expenditures. It is very important stay on track.

Attempt to work from your home if you want in order to save a ton of money. Between gas, buying meals and gas, you can end up spending much of your check even just before getting it.

New laws allow merchants the capability to set minimum purchase amounts to use of visa or mastercard usage.

Nobody wants to experience the whole process of losing their home. You may not want to get evicted out of your efforts have the funds for to help make the payments. Some wise people facing foreclosure choose wisely and act first to preempt the eviction by moving.

Even when you are not so pleased with your existing job or salary, it's superior to nothing.

Make sure you put aside a minimum of one day in on a monthly basis for paying off your bills. There is no need to enjoy an entire day paying the bills, yet your bills having their very own day is essential. Mark this day down on your calender and pledge to keep the commitment. Missing this present day may cause an unsatisfactory domino effect.

This implies that you need to take time to see exactly where all of your income and expenses.Once your expenses change regularly, you ought to estimate about the high side, since it is a lot better to get a small amount of cash leftover, than to belong to debt.

Create a direct deposit for your bank account so that creates an unexpected emergency fund after a while.

Paying your debts promptly assists you to to generate a financial budget each month.

Tend not to open credit or borrow money unless you have zero additional options. While credit could be necessary on certain occasions, it makes sense to keep away from needless obligations such as the acquisition of luxury products which can clearly hold back until later. Some purchases you will have to finance include houses and vehicles.

It can save you money when selecting bedding sheets and pillows by shopping at bargain stores. This could end up saving you lots of money and time throughout the year yet still offers the same quality as expensive brands. You will notice improvements in your finances by researching your purchases significantly better.

Discover ways to do without relying upon bank card. You ought to be looking for methods to quit paying any interest on bank cards and loans.Paying interest wastes a ton of money and should be prevented, so work towards eliminating it.

Eliminate your cell phone if you wish to save more money. Many individuals don't wish to accomplish this, but people was without cell phones years ago.Cellular phones seem like these are something you want nevertheless they really offer convenience more than anything.

As you have read, learning sensible money skills is extremely important. Your financial position may be reformed using the advice above. The following tips will allow you to gain power over your financial life and achieve your financial goals through effective money management.Angelica Ira Johnsonhttps://firstname.lastname@example.com://blogbusinessworld.blogspot.com/2015/11/excellent-assistance-with-personal.html


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Masters of Sex Review: Glass HousesLeigh Raines at . Updated at . Comments
Those who have looked a bit into the background of Bill Masters and Virginia Johnson know that their relationship and work spanned decades.
In order to advance the story, Masters of Sex Season 2 Episode 7 made the bold choice to jump forward over a period of approximately three years.
First off, the point at which the story began to fast forward is essential to acknowledge. After Bill found out at the end of Masters of Sex Season 2 Episode 6 that Virginia was still dating and sleeping with other men during their "studies," he completely flipped a switch.
If people thought Bill was hotheaded and made emotional decisions before, he just turned up the dial.
So after cold turkey cutting off his personal relations with Virginia and having been fired from Buell Green, Bill opened up his own clinic. His professional relationship with Virginia continued within the office and they even took on a newly divorced Betty as part of their staff.
I must say, I was proud to see Betty take steps towards getting a degree and becoming a bit of a businesswomen after her divorce. I feel like this was truly moving forward and up for her and it was a surprising gesture that Bill made.
Despite the fact that Bill and Virginia are now able to conduct their study without the looming presence of a disapproving hospital board, an iciness still exists between them setting up a slightly uncomfortable work atmosphere.
The entire situation can be pinpointed to one main issue: Bill and Virginia are emotionally attached and he's jealous of her boyfriends, meanwhile still goes home to Libby at night. Using a more modern-day term Bill basically takes to slut-shaming Virginia and her many boyfriends and even drags her children into his argument.
Virginia: It's unreasonable. You go home to someone every night. Why can't I go home to-
Bill: Fill in the blank?
Perhaps Bill should take a closer look at the effects their affair is having on his own personal life. Libby is dissatisfied and has finally taken matters into her own hands to get the family she wants. She and Bill haven't had sex in over a year yet she has a second child thanks to fertility treatments. Thankfully, Bill recognizes he at least owes her that much.
The new clinic doesn't perform that well financially in the early days and rather than take Essie's money, Bill takes out loans against his home. He repeatedly sees prostitutes but routinely exhibits impotence. Maybe it just seems obvious to the viewer that Bill internalizing his stress while pining for Virginia is taking a toll in all other aspects of his world.
After running into an old flame, the same old flame that caused Bill to go into a tailspin, Virginia did some inner reflection and ended up running back to Bill. I'm not sure if she felt that Bill was right, if she realized she was fooling herself about her feelings, or what exactly went through her head...I just know that it lead her back to the Park Plaza Hotel.
Interestingly enough, when Bill inquires about becoming a concierge doctor in lieu of paying for hotel rooms he finds that his favorite bellboy might know his true identity after all. Between Elliot's comments about Dr. Masters and Libby inviting Virginia to the lake, it has made me wonder:
Do more people know about Bill/Virginia than they realize?
Overall I enjoyed an episode that moved us forward over a few years. It felt like we got to see progression among the characters while also acknowledging that something will hold steadfast through the years. The cameos from Austin and Lester were also entertaining.

subset: commoncrawl


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Alexa Mena, 21, of Sherwood, died Tuesday, Aug. 27, 2013.
Her mother Alejandra Romero and father Alejandro Mena; brother, Alex Mena; and several extended family members survive her.
A memorial service was held Saturday, Aug. 31 at New Life Church in North Little Rock.
Sign the online guest book at www.SmithFamilyCares.com


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Day 01:You are greeted on arrival at Cochin Airport/ Railway staion, Kottayam Railway station by our representative .Move to Kumarakom, Check in Hotel/ Resort, relax
Visit to Kumarakom Birds sanctury,
Day 2 & 3 : House Boat
Check in House boat at Noon , O/n at House boat. Enjoy the Kerala backwater Day- Night stay & cruise
Ac Delux House boat all meals ( lunch, Dinner, Tea, next day Bf)
Day 4: Cochin
Check out at 9 am, Visit to Kumarakom Birds sanctury, Move to Cochin , Cochin Sight seeing by Boat
Package includes
* For for a Couple
* Accommodation on AC Delux Double Rooms
* Food – Break fast included, Lunch & Dinner Direct Payment, at your choicest menu.
AC Delux House boat with all food ( Lunch, tea, Dinnner & next day Bf)
*Transportation by Tata indica with a friendly driver
No Hidden Charges. * Reservation will be confirmed against 30 % Payment


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Learn more about Infosys offerings in Architecture services
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Thank You
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Developmental Philosophy · Technical
Developmental Philosophy
· Technical ability is the most prized component of individual player performance.
· The ability to maintain possession in attacking areas of the field is the base team tactical focus.
· Speed of play through quick, combination passes is the trademark style of play.
· Creativity, individual and collective, is possible through technical quality and tactical sophistication.
· Long-term player development and success is the driving concern behind all decisions.
FC Wisconsin Nationals Background
FC Wisconsin Nationals was founded in 2013, as the re-structured and re-focused successor to FC Milwaukee Nationals. The new brand of "FC Wisconsin Nationals" reflects a new philosophy, club vision, and club structure all designed to improve the daily player development environment.
The brand "FC Wisconsin" represents the scope of the club's player pool and vision – to represent and include the top players from throughout the state of Wisconsin. The moniker "Nationals" reflects the club's ambition to help players develop to be successful at a national level, and is also a nod to its past history.
From a coaching standpoint, the club's staff has been re-created from the ground up with individuals focused on long-term player development, a commitment to ongoing coaching education, and a passion for helping players maximize their potential. From a structural standpoint, the club has been re-organized around coaching pods that allow multiple coaches to interact with every player – to provide improved coaching ratios, more individual attention, and the true feel of a soccer "club."
FC Wisconsin Eclipse-FC Wisconsin Nationals Partner Program
"FC Wisconsin Eclipse" and "FC Wisconsin Nationals" are partner brands with the same goal of improving the player development environment in Wisconsin. The different brands represent the areas of focus of each program, and the aspirations of the players. The FC Wisconsin Eclipse brand is applied to the top girls players and teams in Wisconsin; players that are or will in the future compete in the Elite Clubs National League – the nation's highest level of girls youth soccer. The brand "FC Wisconsin" represents the scope of the program's player pool and vision – to represent and include the top players from throughout the state of Wisconsin. The moniker "Eclipse" reflects the program's partnership with Eclipse Select in Illinois, one of the nation's leading girls soccer clubs and another ECNL club.
The staff in both programs work closely with each other to share ideas, implement curriculum, and lead Wisconsin soccer. The programs are each structured differently to meet the unique needs of aspiring female and male soccer players, and to allow laser-like focus on the needs of each program. To learn more about the structure, goals, and program of FC Wisconsin Eclipse, go to www.fcwisconsineclipse.com.


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Counseling Licensure Requirements in Alabama
Alabama has two levels of counseling license: associate licensed counselor and licensed professional counselor (LPC). If you fulfill initial licensing requirements in Alabama, you will practice as an associate (ALC) before attaining status as a licensed professional counselor. If you are licensed in another state, you may apply for licensure through endorsement.
The below information serves as a guide to counseling licensure in Alabama. If at any point you have questions or would just like to make sure you are on the right path, contact the Alabama Board of Examiners in Licensing at (205) 458-8716 or 1-800-822-3307.
Capella University offers three online CACREP - accredited Master's programs: Clinical Mental Health Counseling, Marriage and Family Therapy and School Counseling. Click here to contact Capella University and request information about their programs.
Northwestern's Top-12 Ranked CACREP Accredited Online M.A. in Counseling program offers both full and part time options that allow you to earn a degree on your own schedule. GRE scores are not required for this program. Request information.
Select a topic below...
- Education requirements
- The application process
- Testing process
- Supervised practice requirements
- I am a licensed counselor in another state
- Maintaining your license in Alabama
- Contact information for the ABEC and Schools Offering Counseling Degree Programs.
- Alabama School Counselor Certification Requirements
- Rehabilitation Counselor Requirements in Alabama
- Substance Abuse Counselor Requirements in Alabama
The first step is completing a graduate level educational program at a regionally accredited college. The program should be accredited by the Council for Accreditation of Counseling and Related Educational Programs (CACREP) or the Council on Rehabilitation Education (CORE); if not accredited by one of these agencies, it must be the equivalent. At least 48 semester hours (72 quarter hours) of coursework is required. Learn more about selecting a Master's in Counseling program here.
Antioch University offers a new Online MA in Clinical Mental Health Counseling program that is in the CACREP accreditation process and mirrors the CACREP-accredited program delivered on campus. Specializations in: Substance Abuse and Addictions Counseling (SAAC) and Counseling Military Service Personnel and their Families (MSPF). Antioch is a private, not-for-profit university. (*This program is NOT available to students in CA, IL, IA, KS, MO, NH, ND)
According to the CACREP site, Alabama has accredited master's programs in multiple specialties, including mental health counseling and marriage and family counseling. CORE lists five Alabama rehabilitative counseling programs with full accreditation or candidacy status.
The Alabama Board will ask you to document coursework in the following content areas when you apply:
- human development
- counseling theory
- helping relationships
- social and multicultural foundations
- group dynamics
- lifestyle and career development
- research and evaluation
- appraisal of individuals
- professional orientation
You will also need to document a practicum of at least 100 clock hours (through a regionally accredited school) and an internship of at least 600 clock hours. During the internship, you'll do the types of duties that an employee would. Your internship must include at least 2 ½ hours per week of supervision, with at least one hour of individual supervision. Direct service requirements are 40 hours for the practicum, 240 for the internship.
Application Process
Here is a link to the ABEC website where the ALC and LPC application forms can be found: http://www.abec.state.al.us/
When you apply for associate status through the state, you will submit an application that addresses your professional fitness, details your education and clinical experience, and describes your counseling philosophy. You will agree to follow the board's ethical standards, and you will sign an affidavit and have it notarized. You will also need to request graduate transcripts and ask three professional references to fill out recommendation forms and submit them to the board. At least two must be from professional/ clinical experience supervisors.
You will submit your ALC application with a $200 fee. Later you will pay a separate licensing fee.
Materials should be sent to the following address:
Alabama Board of Examiners in Counseling
950 22nd Street North, Suite 765
Birmingham, Alabama 35203
If you have questions, you can find contact information at http://www.abec.state.al.us/contact.aspx
Establishing Academic Eligibility
If your program was accredited by CACREP or CORE, it is assumed that your education met the standards they had in place. Generally, if your program was not accredited by one of these agencies, you document educational equivalency by submitting course syllabi.
If syllabi are unavailable, you may submit alternative documentation that is acceptable to the board. Three documents must be sent. At least one must be an institutional material; at least one must be an applicant material. Applicant materials might include course materials like assignments or reading lists or notarized letters from contemporaries who were subsequently licensed in Alabama. Institutional documents might include course catalogs, letters from professors, or syllabi from classes that you've taken since master's completion (that would need the required coursework as a foundation).
If you are an out-of-state applicant and the board judges that your training was not equivalent, you may be able to practice under a provisional license while fulfilling additional requirements.
According to ABEC, you become eligible to take the licensing exam when you have completed your education, but you may wait until you have fulfilled practice requirements.
As a mental health counselor, you will take the National Counselor Examination through the National Board for Certified Counselors (NBCC). The NBCC reports, in its Alabama supplement, that you must provide an approval letter from the Alabama Board of Examiners in Counseling (ABEC) before you can register for the exam. You will submit a registration form (which you will receive from the state) and a $275 fee along with a copy of the letter.
After you get your confirmation, you may schedule an exam at whatever testing site is most convenient for you. Alabama has testing sites in Birmingham, Mobile, Montgomery, Decatur, and Dothan. Testing is generally offered the first two weeks of each month. When you submit the fee, you are given a six month period to schedule. If you have questions about the process, you should send them to [email protected]
LPC Practice Requirement
Before you can become licensed as a professional counselor, you will need to fulfill a practice requirement. This entails working under supervision. You will have your supervision plan approved before you begin. A form can be downloaded from the ABEC site.
Education can reduce the number of experience hours required. If you have a master's, but no additional graduate coursework beyond that, the requirement is 3,000 hours. If you have 15 semester hours of acceptable graduate-level professional counseling coursework beyond your master's, your practice requirement may be reduced to 2,000 hours. Another 15 hours may reduce it to 1,000 hours. The Code of Alabama requires associates to practice under supervision for at least 1,000 hours before being granted status as licensed professional counselors.
There are minimum hours that must be performed in direct counseling care and in indirect counseling care services. Whether your requirement is 1,000, 2,000, or 3,000 hours, the direct counseling requirement equals three-fourths of the total requirement. The indirect counseling service requirement equals one-fourth of the total.
Normally, supervision is conducted by a supervising counselor, but it may be done by a supervision associate if paperwork is completed beforehand.
An annual supervision report is required. It must show that over the course of the year you received 100 hours of supervision, at least 50 of them individual and face-to-face. If you were supervised for less than a year, it should average two hours a week.
Out of State Candidates - LPC Requirements
The Alabama Board notes that candidates who are licensed in other states may apply for Alabama licensure through endorsement. The same applies to those licensed in Puerto Rico or U.S. territories. You will be expected to demonstrate that the standards that were in place when you got your license were similar to those that were in effect in Alabama. If you can't demonstrate equivalency of requirements, you may still be licensed on the basis of equivalent content.
You will need to send an application, curriculum vitae, NCE scores, and a $200 application fee. You must request that your universities send transcripts and your state board send a verification of your license. Three recommendation forms should be sent to the board (at least two of them from supervisors).
You will be placed in one of three academic equivalency categories based on when your license was first issued. If you got your license September 1, 2003 or later, you will need to demonstrate that your master's program included at least 48 semester hours of coursework. If you got your license between January of 1980 and August of 2003, 30 semester hours will suffice. If you received your license between 1980 and September 1, 1994, you do not need to demonstrate that your coursework covered the current eleven content areas, but do need to show that it included counseling theory, testing and appraisal, and practicum/ internship experience.
Under Alabama code, the requirement for NCE testing may be waived if you have taken an exam judged to be equivalent (http://www.abec.state.al.us/contact.aspx).
License maintenance
As an associate licensed counselor, you must renew your license every year. As a licensed professional counselor, you will renew every two years. In addition to fees, you will submit evidence of continuing education.
LPCs are expected to do 40 formal contact hours every two years. You will be expected to keep your documentation for three years after the renewal period. Beginning in 2012, the board will audit 10% of LPCs.
Generally speaking, continuing education activities must be approved by the NBCC or the Commission on Rehabilitation Counselor Certification. If another state has approved the activity, you will need a statement from the board. You may be able to get credit for other events if you submit content outlines, presenter qualifications, and clock hours to the board for approval beforehand (ABEC).
Additional Information
If you are still in High School, hold a High School Diploma/GED, or hold a bachelor's degree, check out suggested steps to take along the path to becoming a counselor in Alabama.
You may contact ABEC by phone at (205) 458-8716 or 1-800-822-3307.Website
To stay current on the profession, you may want to become a member of the Alabama Counseling Association.


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YouTube is filled with insanely talented drummers that have built impressive followings based on their covers of the latest chart toppers. While it's difficult for a drummer to show off all their skills when playing with a full band, covering a song solo is the one time that drummers can really add all the flair that they've been itching to let loose. With all the mind-bending fills, stick tricks and fire one could hope for, here are five covers that are deliciously over top.
Grant McFarland - "The Imperial March" by John Williams from "Star Wars"
Luke Holland - "Heartbreaker" by Michael Jackson
Luke Holland - "Hold On" by MGK
Casey Cooper - "Burn" by Ellie Goulding
Cobus Potgieter - "Try It Out (NEON MIX)" by Skrillex
Celebrity News & Photos


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An Oak Park science teacher may be on administrative leave, but more than half a dozen parents, students and teachers told the school board last week that they believe he belongs back in the classroom.
"This is a great teacher who has worked tirelessly for 12 years," said Phillip Gegen, a math teacher at Oak Park High School.
Gegen was one of seven people who addressed the North Kansas City School District Board of Education to discuss the future of a science teacher who has been placed on paid administrative leave after it was reported that he had been using a private Twitter account to communicate with students, which would be against district policy. The teacher's name has not been released.
Those who spoke last week described a teacher who they say is compassionate, dedicated to his students, a firm educator and "the heart of Oak Park."
Gegen said the science teacher provides his students with emotional and social support in addition to instruction and has helped many students transition into adulthood. The communication that occurred between students and the teacher, he said, were open conversations and were not "sinister or secretive" in nature.
"He's one of the good ones," he said.
Laura Ashlock, a senior at Oak Park High School, said she turned to the science teacher for advice after her father died in December. He encouraged her to remain in school even though she could have chosen to graduate early.
"If I was having a bad day, I could go talk to him about it," she said. "He made me want to go to school."
Recent graduate Brittany Burge described the science teacher's classroom as a safe haven for her when she was eight months pregnant. She said it was a place where she could feel like a normal student.
"What really makes me angry is he was made out to be such a bad person and he's not," she said.
Even though she's no longer attending the school, Burge said she still would like the teacher to be reinstated so that he can make a positive impact on other students too.
Several parents also weighed in on the issue, discussing their experiences with the teacher and the way the issue had been reported. Parent Kim Forshay said her daughter had the teacher freshman year and said he is a beloved educator at the school.
"I've known kids to cry because they don't have him as a teacher," she said.
Parent David Leatherman said he believed the issue could have been resolved better and questioned whether there was an overall leadership problem at the high school.
Before the speakers addressed the board, board President Joe Jacobs said the board appreciated the comments and the passion of those who had reached out to them about the issue.
Mary Jo Burton, director of communications at the district, said the teacher's future in the district is still under review. Before any decisions are made, Burton said the district will hold a hearing to consider the issue. Although she didn't know the date the hearing would occur, she said the science teacher involved will be able to decide whether the hearing will be made public or kept private.


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An April 26 A-section article about a federal investigation involving Rep. Rick Renzi (R-Ariz.) incorrectly said that three of eight dismissed federal prosecutors had alerted the Justice Department about potentially improper phone calls from lawmakers or their staff members. In fact, two of the U.S. attorneys, David C. Iglesias of New Mexico and John McKay of Seattle, have testified that while they were disturbed by the calls, they did not report them to the department.
Renzi Aide Called U.S. Attorney to Ask About Probe
Thursday, April 26, 2007
The top aide to Rep. Rick Renzi (R-Ariz.) called the office of Arizona's U.S. attorney about six weeks before the prosecutor was fired, inquiring about a federal probe into the congressman's role in a land deal that benefited a former business partner and political patron.
The former U.S. attorney, Paul K. Charlton, told House investigators this week that his office alerted the Justice Department's headquarters about the call from Renzi's chief of staff, Brian Murray, because he considered it potentially improper, according to congressional sources who spoke about the probe on the condition of anonymity. Justice rules require prosecutors to report contacts from members of Congress seeking information about investigations.
The incident means that Charlton was the third of eight U.S. attorneys forced to resign last year who had reported to Justice officials that Republican members of Congress or their staffs made inappropriate overtures to their offices about politically sensitive investigations they were supervising.
Yesterday, word of the call to Charlton's chief spokesman further fanned the ire of Democrats conducting a sprawling investigation into the firings.
The developments also deepened the trouble facing Renzi. During the past week, the third-term congressman has temporarily relinquished his seats on three House committees after the FBI raided his wife's insurance business. He has denied any wrongdoing.
Sen. Charles E. Schumer (D-N.Y.), who has been leading the Senate Judiciary Committee probe of the dismissals, fired off a letter yesterday to Attorney General Alberto R. Gonzales, saying the Renzi case raises "new and serious questions about whether improper political motivations were involved" in Charlton's firing.
In addition, Schumer drew attention to suggestions, first published in yesterday's Wall Street Journal, that Justice officials delayed the investigation into Renzi to help him win reelection. "I am troubled by the possibility that the practice of having U.S. attorneys coordinate with the Justice Department's Public Integrity Section in cases involving lawmakers, which is intended to be a check on politicization, may have been used in this instance for the contrary purpose of influencing a case for political reasons."
Murray issued a three-sentence statement confirming that he had called Charlton's spokesman, Wyn Hornbuckle, "seeking information about press accounts which appeared just weeks before election-day, alleging a pending indictment." The statement added: "I was called back and told they would not comment."
In October, Web sites and news organizations had begun to report the probe of Renzi by the U.S. attorney's office and the FBI. At the time, the FBI was conducting wiretaps in the case, and the publicity disrupted that surveillance, an official familiar with the probe said.
According to internal Justice documents, Charlton's name first appeared on a list of U.S. attorneys to be fired in a Sept. 13 memo, many months after most of the other chief prosecutors who ultimately would be dismissed on Dec. 7.
Charlton and Hornbuckle declined to comment yesterday.
Justice spokesman Brian Roehrkasse declined to speak specifically about the Renzi case but said Gonzales and his staff have "never interfered with or attempted to influence a criminal prosecution, including a public corruption case, for partisan political reasons."
The former U.S. attorney for New Mexico, David C. Iglesias, has told Congress he felt pressured to speed up an indictment of Democrats during phone calls last October from Sen. Pete V. Domenici (R-N.M.) and Rep. Heather A. Wilson (R-N.M.). And former U.S. attorney John McKay of Seattle has said he was called by the chief of staff to Rep. Doc Hastings (R-Wash.) about a preliminary inquiry into voter fraud in Washington state.


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Yolie's Mex Grill
138 W Main St # H
Ventura, CA 93001
Ventura, CA 93001
No photo available for this business
Business InformationRestaurants
Customer Reviews (1 reviews)
by valdes victor24 at Citysearchon Citysearch Aug 24, 2011
I enjoy their food here. Lots of mouth watering flavor and I like the super fast way they get the food out to you, without feeling hurried. More accurately, I think I should say that the food comes out in successions, at... (more)


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My Confession:
Finding Myself at the Feet of Jesus
By Chris Buscher
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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Since spiders love narrow places they can crawl into, some feel most comfortable in old empty CD cases. Others, like the Banded Huntsman Spider, love to sit on bits of old plastic plant pots. "This is the reason I started to collect old plant pots. But they have to be a dark colour, preferably black. The spiders don't like white ones," Zoo keeper Joe, said.
Even the enormous Burrowing Cockroaches live here - deep down in the soil in containers where it is warm and dark.
Joe holds one 10cm cockroach on his hand. "They live in the dark and get stressed very easily. I only take them out when it's really necessary". For this reason the same cockroach is not taken out again until it is 'ready'. Just like the Sydney Funnel-web Spiders which get lots of time off after they represent their species at the daily Spider Talk which is hugely popular with kids.
Giant Burrowing Cockroaches can weigh up to 35g and measure 80mm long. Their Latin name, Macropanesthia rhinoceros, means they're also called the Rhinoceros Cockroach. True to their name, they can burrow up to a metre underground to make a nest. Like 97% of the animals on the planet, spiders and Burrowing Cockroaches are invertebrates, which means 'without a backbone'. It is incredible that all other animals, the vertebrates, for example mammals, only make up 3% of all known animal species.
Burrowing Cockroaches play an interesting role being Australia's largest cockroach. They can live up to 10 years and feed on dead leaves, performing an important ecological role in recycling nutrients in our forests. They actually have their skeletons on the outside. This so-called 'exoskeleton' does not grow with the body. It has to be discarded occasionally which leaves the cockroach behind in a pale beige colour. After about 12 strip offs in a year or two, a cockroach is grown up. Joe is taking care of the mother cockroaches and their 'offspring' until they're ready to be shown to the public.
For now, there's only one Burrowing Cockroach on display at Taronga Zoo. A little hidden crawly treasure whose species has existed for 250 million years. If they could speak, they probably had the most fascinating stories to tell.
Ramona Pradella, Media Intern


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Data is updated regularly to ensure that our users are getting to most accurate information possible on which fiber optic TV providers are operating in a specific area and what their services include.
(PRWEB) March 01, 2012
Home services website BundleMyBills.com has added to its search services which now include information on fiber optic TV providers, plans and prices. Those that have been thinking about getting this high performance TV service can now easily and quickly search for fiber optic TV by city, state or their home address.
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Blue Cat PIES
Blue Cat PIES is an education curriculum designed for children with unique learning abilities. Many families who have children with autism spectrum disorder find these products very useful. Numerous people ask where the name "Blue Cat PIES" came from. The "blue cat" was created by Elijah, a 9 year old boy with Asperger's Syndrome who has a love for drawing. The term "PIES" in Blue Cat PIES is an acronym which stands for Providing Innovative Educational Strategies.
All Blue Cat PIES products are structured teaching activities for the unique learner. We have ready-made activities, and activities that can be printed or cut by the end user.
Please click here to get started!
- Targeted curriculum areas are reading, mathematics, science and social studies
- All activities are TEKS aligned
- Interactive teaching activities
- Specially designed for learners with special needs
- Fun and motivating for students
Partnership with Family Endeavors
The Mission of Family Endeavors is to provide comprehensive, effective, and innovative services that empower people to build better lives for themselves, their families, and their communities. Through a beautiful partnership with Any Baby Can, adults with disabilities from Family Endeavors, assemble all Blue Cat PIES Ready-Made activity books. Please know that when you purchase these items, you are helping adults with disabilities gain meaningful employment.
Early reviews from teachers who have used Blue Cat PIES Activities
"These are great activities for students who can read but can't write."
–Claudia Leon, High school teacher
"These activities would be great for kindergarten centers."
–Elementary school teacher
"Having the units match the TEKS is extremely helpful."
–Patricia Rosales, Elementary school teacher
"These activities are great for students that finish work early or who need some extra practice."
–Bonnie Taylor, Kindergarten teacher


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Fewer Students Smoking Cigarettes in North Carolina
Latest Youth Tobacco Survey conducted in North Carolina found that fewer middle and high school students in the state are smoking cheapest cigarettes. The bad news is that more students use other More »
Chinese Passengers Smoked in Airplane Despite Ban
Recently a group of passengers told that they were on-lookers of a case when a budget airline did not stop passengers from smoking their cigarettes during a flight. The talk is about More »
Illinois May Prohibit Smoking in Beer Gardens
According to Illinois Register, Illinois Department of Public Health proposed to expand existing smoking ban and prohibit smoking in beer gardens, patios and other outdoor seating zones in the next months after More »
University of Delaware Banned Smoking on Its Campus
The University of Delaware, located in Newark (state of Delaware), told that all its campuses are going to become tobacco-free starting from this month. The initiative came from students who want to More »
Smoking Hookah Still Popular Among Youth
A new study found that a great number of young people think that using hookah will not damage their health. However, Centers for Disease Control and Prevention says that using hookah has More »
87% Hookah Tweets are in Positive Context
Researchers found that daily young people mention 12,000 times hookah use in a positive context on Twitter. It means that hookah becomes more popular among teenagers due to belief that hookah is less harmful than cigarettes. However, researchers say that hookah is not safe.
The author of the study is Melissa Krauss who is a research statistician at Washington University School of Medicine. She told that though cigarette use shows a decline among young people, use of hookah shows a rise, especially among college students. The study was made on hookah tweets and was published this week in Preventing Chronic Disease, a journal of the Centers for Disease Control and Prevention.
She says that young people are using hookah to socialize. For them hookah is something cool and trendy and they want to be like other trendy people. You may see hookah bars among college campuses.
As you probably know, hookah is a water pipe that uses tobacco with various sweet flavours such as apple, grape, watermelon, etc. Other name for hookah is shisha. Normally, hookah is used by several people passing mouthpiece from person to person.
Most people consider it is safe to use hookah, but researchers say that hookah smoke contains same toxic substances as tobacco smoke has. However, researchers add that the hookah method of smoking is even more harmful than cigarettes smoking, because of longer sessions and deeper inhalations. It means that hookah user absorbs higher concentrations of toxins.
Researchers say that the study based on social media research requires less efforts compared to traditional survey. Its big plus is that it is made more quickly.
Researchers also analyzed using tweets about marijuana, alcohol and e-cigarettes. It turned out that daily young people write more than 250,000 tweets about marijuana, 400,000 tweets about alcohol and 1,200 tweets about e-cigarettes.
Totally, among hookah tweets 87% were in favour of hookah and only 7% were against.
Smoking Rooms in Airport in Salt Lake City
Joshua Lewis is a smoker who buys Prima Non-Filter says when he is at Salt Lake City International Airport he normally smokers cigarettes in the smoking room.
He says that sometimes air travel is hard and it is a real crack-up when there is no smoking room in the airport and there is no possibility to light up.
He remembers that in an airport without smoking rooms he went outside to puff out and when he came he had to re-enter security and as a result he missed a flight.
Lewis says that any travel is stressful, therefore he appreciates the idea of creating smoking rooms in the Salt Lake City International Airport.
However, another traveller Maggie Podunovich has a different opinion. She is a former smoker and understands perfectly how addictive the habit is, but she considers that there must be no smoking rooms in the airports. Smoking is banned in most public spaces and therefore should be banned is airports too withot exceptions.
Utah anti-smoking activists say that the idea of creating smoking rooms in the airport has nothing to do with public health issues. Scott Barton, health expert in Molina Healthcare of Utah, said that smoking rooms do present danger for non-smokers in the airport. If Salt LakeCity airport would continue to allow smoking then it will remain in the list of smoking airports in the USA, which would spoil the image of Utah.
In their turn, airport officials claim that the smoking rooms are created with the purpose to protect people from secondhand smoke. Mayor of the city welcomes the idea.
UK: Smoe-Free Campaign Launched in Merseyside
Officials in Merseyside county, UK, will prohibit use of tobacco on most outdoor events in the course of smoke-free campaign that was launched this week.
The campaign was launched by Tobacco Free Futures, a local social enterprise. The campaign targets youth in Merseyside and Cheshire and aims to discourage them from taking up the smoking habit.
First town in Merseyside to launch a smoke-free event is Knowsley, where Feelgood Festival takes place in coming weekend, August 8, in Court Hey Park. On the event tobacco use will not be allowed.
Last month Council of St Helens for the first time in history banned smoking on a public event. The talk is about Summer Beach event in Church Square.
A survey by Tobacco Free Futures shows that nearly 77% of people living in Knowsley support the idea of smoke-free events, especially ones where many family with children do participate.
Another survey showed that in St Helens and Halton more teens aged 15 use cigarettes than the national average. However, few teens smoke in Liverpool, Wirral, Knowsley, Sefton.
In 2014 the Health and Social Care Information Centre made a study which found that in England 8.2% of 15-year-olds smoke, while in Halton this rate achieves 8.9% and in Liverpool just 6.5%. Most teens prefer slim cigarettes.
The same tendency is noted with electronic cigarettes. In England totally 2.7% of teens are using them while in St Helens this rate is 4.5% and in Liverpool 1.5%.
Surveyed teenagers in St Helens said that smoking gives them confidence, but teenagers in Knowsley disagreed with this statement.
The research also found that 24% of English teenagers aged 15 had ever smoked, and number of girls here was higher than boys. Across the country lowest smoking rates are reported in London while highest on North East.
According to Councillor Eddie Connor, Knowsley's cabinet member for public health and wellbeing, the town is working hard to reduce smoking rates among youth.
Officals believe that smoke-free events will help to promote a healthy lifestyle and discourage teens from taking up the habit.
Cigarette Butts to be Recycled in Easton
Cigarette butts on the grounds in the cities and towns creates additional problems for street cleaners.
The Easton Ambassadors in Pennsylvania state launched a program which aims to keep sidewalks clean from cigarette butts and at the same time it will turn those butts into the money for local budget.
The Easton Ambassadors placed a number of cigarette butt recycling receptacles in and behind Centre Square. It was the organization TerraCycle who provided the boxes for butts. As a result, it will give $1 to the Greater Easton Development Partnership for every pound of cigarette butts the ambassadors collect.
According to Sandra Zajacek Levisay, manager of the Easton Ambassadors program, butts from cigarettes are most widespread waste in most cities which has a great impact on landfills. The ambassadors do help to keep Easton downtown free of tobacco litter and maintain flower boxes.
The cigarette butts will be recycled and turned into pellets which are going to be used in industry to create park benches or plastic pallets. TerraCycle website says that any remaining part of cigarette is recycled as compost.
In Easton already works a recycling program called Recyclebank. Residents participaiting in it receive points for recycling. Generally, it is
beneficial to recycle in this city because you get some rewards for that.
Places where can you find boxes for cigarette butts in Easton:
– in the southwest corner of Centre Square located behind the Crayola Factory and lehighvalleylive.com office;
– in the 300 block of Northampton Street located behind Centre Square in front of Family Dollar;
– at the bus stop at South Third and Ferry streets;
– in the southeast corner of Centre Square located behind Pearly Baker's Alehouse.
Pascagoula City Wants a Smoking Ban in its Parks
Pascagoula city, Jackson County, Mississippi, is considering to pass an ordinance which prohibits smoking in its parks. In 2013 the city already banned tobacco use on workplaces, restaurants and indoor public places. Now local authorities want to make recreationa zones smoke-free.
Soon lighting cigarettes up at Beach Park in Pascagoula city may be illegal and smoking adults with children appreacite the initiative. They consider that if they will not smoke around their kids, others will not dare too.
Mike is a parent and he says he smokes Bond Super Slims Silver for several years. He finds the idea of smoking ban in parks is good, because it will help to protect kids from secondhand smoke effects. Nowadays everyone knows that secondhand smoke is not safe, and it affects especially children and elderly people. Parent Wanda Turner believes that secondhand smoke is even more dangerous than firsthand smoke.
Resident Larry Hawkins says that her day is considered spoilt when she goes at work and someone puffs a cigarette on her way. She says those people should quit smoking and this will be beneficial not only for them but for other people too. Thus she showed her support for the smoking ban in parks.
However, the proposal has not only supporters but opposers too, who are worried that the authorities violate their freedoms and rights. One of them is Carmen Butler, who has relatives who usually smoke cigarettes in local parks. Those smokers never light up behind a kid, so she says the law is not necessary.
The idea to ban smoking in parks came from a resident who expressed it at one of latest Council meetings. The city plans to consider the new smoke-free ordinance in August. It will cover more than 25 city parks.
Minneapolis Passed Ban on Sale of Flavoured Tobacco
The City Council in Minneapolis passed new restrictions on sale of flavored tobacco products in order to prevent young people from tobacco use.
The talk is about little cigars, hookah, smokeless tobacco.
Sale of flavored tobacco products will be banned anywhere except specialty tobacco shops, where those product should be sold only to those over 18 years old.
However, menthol cigarettes are not included into the new restrictions.
The policy comes into action from January 1, 2016.
The initiative to adopt the restrictions came from city's Youth Congress, who brought the issue to the City Council. Young people were especially deranged by the fact that flavoured cigarettes are marketed just like candy. According to Gordon, chair of the Health,
Environment and Community Engagement Committee, young people also told that most children use flavoured tobacco products from curiosity and then turn to regular cigarettes and become smokers.
Experts believe that restricting access of young people to those kind of products will help to prevent kids and teens from becoming heavy smokers in their adulthood.
City Council President Barb Johnson told that this is a great step which will help to improve health of next generations. The new regulation imposes that cigars should have a minimum price of $2.60.
The oppsers of the initiative criticized the new regulation saying it would affect their business. Today flavoured tobacco products are allowed for sale in 420 places, but after the ordinance implementation it will be allowed only in 25 shops.
The WHO Urges Countries to Increase Tobacco Tax
In is latest report the WHO concludes that few countires in the world use high tobacco taxes to discourage people from smoking or help them quit. The organization says that at least 75% of a pack of cigarettes should be tax.
The report is called "The Global Tobacco Epidemic 2015" and United Nations health agency claims that nearly every six seconds dies one person from a disease caused by tobacco use. It results in 6 million deaths across the globe annually. Experts predicts that by 2030 this number will raise up to 8 million victims. The WHO calls the problem a "tobacco epidemic" and talks about the necessity to adopt tougher measures to take it under control.
Report says that totally there is a billion smokers on the globe and many countries have extremely low taxes on tobacco. Some countries have no special taxes on tobacco at all!
WHO Director-General Margaret Chan said that high cigarette taxes help not only to reduce smoking rates in the country but also to bring additional money to budget.
She urged governments to consider the recommendations and increase tobacco taxes as this measure would be beneficial from all points of view.
Health experts say that long-term tobacco use results in different types of cancer, lung and cardiovascular diseases, diabetes. In 2012, from those diseases died nearly 16 million people younger than 70 years old. 80% of these deaths occured in middle-income and poor countries.
Douglas Bettcher, a WHO expert on the prevention of non-communicable diseases, presented France and China as examples of successful reduction of smoking rates due to tobacco tax increase. Since 2008 only 11 countries managed to raise tobacco taxes.
José Luis Castro Castro, president of the World Lung Foundation, says that in case anti-smoking measures will not be taken now, in the next years the numbers of smoking-related deaths will be inevitably increased.
Mississippi Awarded for Anti-Smoking Efforts
According to data obtained in 2014, Mississippi occupies the first place in the list of American states which adopted comprehensive municipal smoke-free ordinances.
This made Americans for Nonsmokers Rights name Mississippi winner in Smoke-free Challenge. Thus the state received an award due to its anti-smoking efforts.
Totally14 cities in the state of Mississippi adopted in 2014 comprehensive smoke-free ordinances and all them were honored by the Mississippi Public Health Association, Smoke-free Mississippi partners, the Mississippi State Department of Health (MSDH).
Roy Hart, head of the Office of Tobacco Control at MSDH, told that smoke-free ordinances adopted in these cities will help to protect all workers in bars and restaursnts, their clients from effects of secondhand smoke exposure. It was established by scientists that there is no safe level of exposure to tobacco smoke
In passing these ordinances the important role was played by Smoke-free Mississippi partners, Mississippi Tobacco-Free Coalitions and anti-smoking activists. Their common efforts helped 101 Mississippi communities adopt smoke-free ordinances.
Among them 51 communities included in their ordinances ban on e-cigarettes use in order to protect people's health. The Mississippi Tobacco-Free Coalitions are funded by a grant provided by MSDH.
It was estimated that each year Mississippi spends up to $1.23 billion on healthcare costs connected to tobacco use. The aim of the Mississippi Tobacco-Free Coalitions is to significantly improve the health of people living in Mississippians through educating local communities on health effects of tobacco use and exposure to secondhand smoke.
Americans Buy Flavoured Cigarettes Online
New study made in the USA reveals that though flavoured cigarettes were banned by FDA in 2009 in the country, today remain very popular among smokers and they buy them online. Most popular online store is http://www.mydiscountcigarette.net
One of authors of the study is Jon-Patrick Allem, a postdoctoral fellow with the university's Tobacco Center of Regulatory Science. The study was funded by the U.S. National Cancer Institute.
Scientists from the University of Southern California Keck School of Medicine analyzed a number of online search keywords related to flavored cigars and cigarettes produced by the company Djarum. It should be noted that only flavoured cigars are legal.
The study was published on June 17, in Tobacco Control. Scientists say that among the first five SERP pages for the inquiry "Djarum cigarettes," 72% of web sites promoted and 34% sold the illegal flavoured cigarettes.
The ban on flavoured cigarettes was introduced in 2009, but today those products are being sold on web. Interestingly, that almost 300% of online searches are for flavoured cigarettes rather than on cigars.
Scientists conclude that today the web is successfully used to go beyond the law and regulations does not touch them. People give their preference more to flavoured cigarettes and not to flavoured cigars which are allowed to use.
Researchers conclude that stricter regulation of flavoured cigarettes is needed and there is a need to introduce fines. They propose to ban web sites where those products are available, The information they obtained from the web will be sent to regulatory bodies for examination.
Smoking Ban in Parks Passed in Salem
On June 8, there was organized public meeting in Salem City Council to discuss subjects regarding smoking in parks. It was decided that there is a need to create a special comission on trees.
Most Salem residents on the meeting showed their support for the creation of an urban tree commission. Resident Brian Hines was representing Salem Community Vision and he accused Public Works Director Peter Fernandez that he made hole-and-corner deals with businesses interested in tree removals. Mayor Peterson did not agree with that and told that Hines has no right to accuse Mr. Fernandez.
Debates on the importance of urban tree commission lasted long and after 40 minutes of debates the City Council voted to delay the decision on the tree comission and to organize one more public meeting on the subject.
Also the City Council discussed the problem of parking for individuals with disabilities. People concern that those parking lots are often occupied with cars of state employees and they just do not what to do.
Salem City Council wants to prohibit smoking on all city-owned property such as trails and city parks. Vern Miller Civic Center to prohibit smoking in city parks.
On the public meeting the subject of smoking ban in parks also stirred up hot discussions.
Councilman Daniel Benjamin siad he opposes the ban. He explains that the measure will not reduce smoking rates, it will just make people move outside park to light up.
In his turn Councilman Jim Lewis told he likes more the initial version of the ban because the changes make the ban too weak.
Despite the opposition, the smoking ban was passed and in Salem parks smoking will not be allowed.


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Supply Chain Finance
Credit line for factoring
EUR 8m
Sole Arranger01.10.2011 - 00:00:00
Credit Line for Factoring
Sole Arranger01.04.2011 - 00:00:00
Credit Line For Factoring
EUR 50m
Sole Arranger01.01.2009 - 00:00:00
Credit Line For Factoring
EUR 15m
Sole Arranger02.01.2008 - 00:00:00
Structured Mandated Finance
USD 400m
Sole Arranger01.01.2008 - 00:00:00
Credit line
EUR 100m
Sole Arranger01.01.1970 - 01:00:00
Credit line
EUR 11m
Sole Arranger01.01.1970 - 01:00:00
Credit line
EUR 240m
Sole Arranger01.01.1970 - 01:00:00
Revolving factoring
Credit line
GBP 70m
Sole Arranger01.01.1970 - 01:00:00
Credit line
EUR 18.5m
Sole Arranger01.01.1970 - 01:00:00
Credit line
EUR 100m
Sole Arranger01.01.1970 - 01:00:00
Case studies
First €70 million promissory-note-driven housing-construction transaction complete
Wohnungsbaugesellschaft Magdeburg (WOBAU) is the largest landlord of residential and commercial space not only in the regional capital of Magdeburg, but also the whole of Saxony-Anhalt. As a municipal company, WOBAU's remit is to provide socially adequate residential space for a large part of the population through construction and real-estate activity.
Syndicated loan of EUR 2,487,000,000 agreed for FBB
The federal states of Berlin and Brandenburg each own 37% of Flughafen Berlin Brandenburg GmbH (FBB) and the Federal Republic of Germany owns 26%.
NORD/LB has successfully structured a purchase of receivables in China for a middle-market German corporate customer.
In December 2016 a framework agreement was entered into with the customer's Chinese subsidiary that permits the subsidiary to engage in the revolving sale of receivables from trade receivables denominated in renminbi to a Chinese buyer.
€ 60 m syndicated loan arranged for Montana Tech Components AG
In addition to the € 135 m SSD, in winter 2016, NORD/LB together with a banking consortium arranged a syndicated loan with a volume of € 60 m and, therefore, extended and increased the existing financing.
€ 135 m Schuldscheindarlehen (bonded loan) arranged for Montana Tech Components GmbH
In autumn 2016, NORD/LB together with a banking consortium arranged a Schuldscheindarlehen (SSD) with a volume of € 135 m and, therefore, the fourth very successful transaction of this type.
Bonded loan of EUR 350 million arranged for freenet AG
After freenet AG's successful placement of a bonded loan with a volume of EUR 560 million back in spring 2016, an arranger syndicate, including the Joint Lead Arranger NORD/LB, enabled the company to place another bonded loan of EUR 350 million.
Acquisition financing for KSBG for the full takeover of STEAG/ STEAG's debut promissory note ("Schuldscheindarlehen") for growth
KSBG Kommunale Beteiligungsgesellschaft GmbH & Co. KG, a consortium of municipal utilities from North Rhine-Westphalia (NRW), which had already acquired a 51 percent stake in STEAG GmbH from Evonik in 2011, is now the sole shareholder of STEAG GmbH.
Duravit Group - off-balance sheet solution
A low-cost and liquidity-preserving financing structure, which was tailored to DURAlog Duravit Logistik GmbH, combines need-based leasing with funds from the Kreditanstalt für Wiederaufbau (Reconstruction Loan Corporation).


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A new federal report detailing underinvestment in transportation is a sobering reminder of the tremendous economic costs of years of underinvestment in the nation's transportation infrastructure, according to the Associated General Contractors of America (AGC). As the report makes clear, says AGC, our collective failure to repair aging roads and bridges, expand transportation capacity or address chronic traffic congestion is costing businesses billions in lost productivity and workers tens of thousands of jobs. "Few segments of our economy are as dependent on transportation infrastructure as the construction industry," says Stephen E. Sandherr, CEO of AGC. "Construction orders accounts for one out of every 10 manufacturing shipment and one out of every 12 machinery shipments, for example. Yet our own data indicates that congestion and unreliable transportation networks are costing construction firms an estimated $23 billion a year in lost productivity and late deliveries. "Meanwhile, the construction industry has suffered horrific job losses due to declining demand for construction services, including state and local funded public infrastructure projects. The latest federal figures show that the 17.2% construction unemployment rate is nearly double the national average. Construction employment is approaching levels not seen since August 1996. "That is why the Administration's newfound focus on making significant, long-term investments in rebuilding and expanding transportation infrastructure will provide much-needed help to hard-hit businesses and workers alike. With construction prices down significantly from just a few years ago, now is the right time to make a long-term commitment to the very infrastructure that keeps our businesses competitive, our drivers safe and our communities vibrant," concludes Sandherr.
To download the report, published by the Council of Economic Advisors and the U.S. Treasury Department, visit www.whitehouse.gov.


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Ergonomic Armchair Set
Pleasant Ergonomic Armchair Decorating Ideas By Garden Decoration Living Room
bdwooddesign.com ~ Ergonomic Armchair Set can help you to get the latest information about the Home Design, Interior. We provide a quality high image with reliable license and everything if you're talking about the home design as it's officially named. This web is designed to turn your unfinished room into a comfortable usable space in just a short amount of time Armchair Styles.
So let's take a closer look at what the Interior Design At Home is all about and what it could possibly do for you. When designing an addition to an existing home it is impossible to design a well resolved renovation , ergonomic arm chair, ergonomic armchair, ergonomic armchair design, ergonomic armchair home, ergonomic armchairs, ergonomic armchairs uk style. You a choices to incorporate the existing style of your home into the addition (so it looks like its part of the original home) or treat the addition with a totally different style but complementary to the existing style. Choosing to go half way between the two is a common failing and the final design will lack visual strength. Commit to one option and ensure every choice of finishes, construction type and detail reflected your style choice strongly.


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Chinese Real Estate Investment into the Midlands
An audience of around 40 people with a mix of backgrounds from the professions, industry and post-graduate students to property entrepreneurs and developers attended a Birmingham China Business Forum event hosted by Weightmans on 3rd November 2016.
Three speakers gave interesting perspectives on the opportunities for property investment in the Midlands.
- Richard Brown, former Development Director of Grand Central Birmingham, outlined where Birmingham is currently in relation to real estate investment and projects, and the opportunities for growth that exist.
- Yifeng Li, a Chinese entrepreneur based 6 years in the UK, explained the reasons for property investment growth in China and gave insights as to why Chinese people like to invest in real estate in the UK.
- Haydn Rogan, Tax Partner at Weightmans provided some valuable explanations as to what the relevant property taxes are in the UK, the recent changes made by the Government over the last 5 years or so and the reasons behind these.
For further details see report-on-china-business-event-3-11-16
For copies of the presentations: (1) the-midlands-investment-landscape (2) chinese-real-estate-investment (3) chinese-real-estate-investment-tax-changes


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Documents and information specific to Volunteer Centre Borders will be available here soon.
Meanwhile for Information and Resources that cover some of the topics below, click on the following links to visit Volunteer Development Scotland's website.
Click here for Resources for Organisations
Click here for Volunteer Scotland Policy and Research Resources
Support and Supervision of Volunteers - Selecting Volunteers - Sample Volunteer Policy - Sample Questionnaire - Volunteers - Recruiting Volunteers - Recognition of Volunteers – Formal and Informal - Out of Pocket Expenses - Legal Status of Volunteers - Insuring Volunteers - how to reduce barriers to volunteering - How to Draft a Volunteer Policy - Example of a Volunteer Application Form - Equalities & Diversity - Data Protection - Checklists for writing a Volunteer Policy - Statements & Documents


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|An elephant bull stares down the land rover at close range
The late rains have brought with them an influx of elephants in the last week or so. Around every corner we have witnessed great herds of these leviathans, cutting a swathe of destruction through the veld as they continue their endless march for resources. These mammalian bulldozers once filled me with fear during my first experiences with them – their incomprehensible size and power dwarfing the landrover. But I have grown to love these true kings of the jungle. All animals respect the approach of an elephant – lions scatter like rats and even rhinos visibly adopt the old motto that discretion is the better part of valour! (A month or 2 ago, a male rhino was even killed by an angry elephant bull!) Of all the animals here, they are the most fascinating to watch but the hardest to photograph! Always doing something interesting, many an hour can be wiled away watching the dexterity of their trunks as they feed, the tenderness of their greetings and the soft rumble of their low frequency contact calls.
|Elephant bull in all his massive glory
Whilst the rains have made our game drives difficult due to the restrictions caused by a lack of off-roading, the animals have relished in the abundance of lush green grass. None more so than the giant lawn mowers of the bush, the white rhino. Feeding for up to 12 hours a day, they have been abundant as ever, enjoying this last banquet before the hardship of the arid winter months sets in. I managed to get a couple of good pictures that I hope show their relish in these good times!
|Rhino with a mouthful of lush grass
|Rhino smiling at the camera
Leopards, as ever, are always a highlight on any game drive. No matter how many times you see them, their beauty and majesty never fades. The recent leopard drought has abated a little due to the return of our most frequently sighted female. My last entry included a photo of her and her one surviving cub drinking from a puddle and they have been sighted repeatedly of late.
|Mother and cub on the march
Their nemesis, 'Xihangalas' (the destroyer – named due to his recent incursions into our property, the murder of this females other cub, and the general reign of terror that has caused the other leopards to adopt a more illusive approach to their activities!) has also been seen regularly of late and still has the stable population running scared. He is however, a sight to behold. A magnificent leopard in his prime, his confidence and self belief so evident as he strides down the roads, muscles rippling under his velveteen coat, demarcating his new territory with impudence.
|The new kid on the block
|Xihangalas on the prowl
In other news on the reserve, we have seen the departure of almost all of the migratory birds in preparation of the approaching winter. The veld is much quieter now than a few weeks ago, with only the recently fledged juveniles still orientating themselves before the commencement of their long journeys. I also found out last week that I have passed my SKS birding theory exam, so I am now studying for the practical aspect of the assessment before I can be declared a fully fledged regional bird guide! The lions have retreated to the far corner of our area due to the disappearance of the new dominant male that has sired no less than 9 cubs in recent months. Whilst sightings of them are relatively common, I have been unable to get a good pictures as of yet. On a slightly sour note, 2 of them have died of starvation recently but we remain optimistic of a bright future for the remaining 7. Time will tell if the new males making forays into Sabi Sabi will find and destroy them.
|Zebra feeding at sunrise


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Fan Bingbing requests $10 million face insurance from Chinese Running Man
Stunning Chinese actress Fan Bingbing asked for 10 million dollar face insurance for starring on the Chinese version of Running Man, Hurry Up, Brother as a guest, Xinhua news reported.
She asked Hurry Up, Brother for face insurance in case it gets injured. The Hurry Up, Brother production team said to reporters it is customary to insure the guests, although the difference in price exists.
"We insure guests from half a million to 70 million dollars. The price varies depending on the guest." Hurry Up, Brother production team explained, "Of course we do our best to ensure guests' safety and receive help of the police to film without any injury.
This does sound like a good idea, especially when massive crowds have disrupted filming so much to the point of calling it off for the day.
Watch the latest episode of Running Man (152) added today!
Hurry Up, Brother is the Chinese version of the popular show Running Man. The Running Man staff helped produce the show, and some of the members like Kim Jong Kook, Yoo Jae Suk, and Song Ji Hyo starred on the first episode of Hurry Up, Brother.
Hurry Up, Brother members include Deng Chao, Zheng Kai, Angelababy, and Li Chen. Li Chen, Fan Bingbing's partner on The Empress of China, has been rumored to date her.
Don't know who Fan Bingbing is? Check out Fan Bingbing's stunning costumes on The Empress of China. 250 delicate costumes were made just for her role on the show.
What do you think of Fan Bingbing's request? Share your thoughts in the comments below!


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Chris Stapleton and Hank Williams Jr. Announce Co-Headlining Tour
Folks wondering about the touring capacity of Chris Stapleton after his recent success and who he might be paired up with in a possible show lineup, just received their answer. Announced Thursday (1-12), Hank Williams Jr. will be sharing the stage with Chris Stapleton for a select number of tour dates in August of 2016. At the moment, the tour only consists of eight dates focusing around Florida, Texas, and the Midwest. More dates could be announced in the future, but Hank Jr. has been known in the last few years for only playing about eight to fourteen concert dates annually, so don't expect a massive tour with these two names to take shape.
Hank Williams Jr. just released a new album on NASH Icon Records called It's About Time. It is his first record since 2012's Old School New Rules. Hank has been proclaiming this new record is his best yet, and that he expects it to go platinum, but recent sales projections from HITS Daily Double only have the icon selling between 24,000 to 27,000 copies during its debut week, with his tour mate Chris Stapleton beating him with 35,000 to 40,000 sold and coming in at #1 in country again.
These dates are the first announced non festival tour dates for Chris Stapleton after his recent success. He's also scheduled to play Bonnaroo and Coachella in 2016. For some Stapleton fans, this news will come as a relief after wondering if the songwriter would be paired with some of pop country's current stars on a tour, however the question still remains just how well Chris Stapleton can do as a live draw after the massive sales numbers he's accrued for his debut album Traveller. At the moment, the album is poised to be the best-selling title in the last 18 months in the country genre. By the time August rolls around, Ampitheaters with a co-headliner might feel tiny compared to the demand for tickets.
READ: The Case Against Chris Stapleton As Country Music's Savior
Chris Stapleton / Hank Jr. Tour Dates:
Aug. 5 Tampa, Fla. — MIDFLORIDA Credit Union Amphitheatre
Aug. 6 West Palm Beach, Fla. — Coral Sky Amphitheatre
Aug. 12 Houston, Texas — Cynthia Woods Mitchell Pavilion presented by Huntsman
Aug. 13 Austin, Texas — Austin360 Amphitheater
Aug. 19 Cuyahoga Falls, Ohio (Cleveland)– Blossom Music Center
Aug. 20 Clarkston, Mich — DTE Energy Music Theatre
Aug. 26 Noblesville, Ind. (Indianapolis) — Klipsch Music Center
Aug. 27 Cincinnati, Ohio — Riverbend Music Center


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SOURCE: Chrysalis Software
January 29, 2013 09:00 ET
Awarded State of California Green Business Certification
Awarded State of California Green Business Certification
CARMEL, CA--(Marketwire - Jan 29, 2013) - Chrysalis Software, a leading provider of contact center professional services and products, today announced its certification as a Green Business by the Monterey Bay Area Green Business Program and the State of California. To be certified "green," Chrysalis has demonstrated compliance with all regulations and program standards of a California Green Business.
The Green Business Certification Program is a multi-faceted (soil, water and air) pollution prevention effort designed to encourage businesses to meet and exceed environmental standards while conserving natural resources. The program focuses on how a facility conducts its day-to-day operations in terms of being environmentally aware, promoting energy efficiency and reducing any and all waste streams. Chrysalis Software is one of 87 computer, science and technology organizations that have been honored with this certification in California.
"Chrysalis is proud to be part of this partnership of environmental agencies and concerned businesses working together to promote the operation of companies in an environmentally friendly manner," says Debbie Diersch, President and CEO of Chrysalis Software. "During the next year, we have pledged to save over 2,827 gallons of water and divert 309 lbs of waste from the landfill by implementing changes outlined in our newly adopted Environmental Policy."
To be certified "green," a company must be in compliance with all regulations and meet program standards for conserving resources, preventing pollution, and minimizing waste. Chrysalis is now part of a partnership of environmental agencies and concerned businesses working together to promote companies that operate in an environmentally friendly manner. By being certified, Chrysalis sets an example and encourages other businesses to conserve energy and water, minimize waste, prevent pollution, and shrink their carbon footprint.
"Monterey County's Environmental Health Bureau, Recycling Services administers the Monterey Bay Area Green Business Program in Monterey County in partnership with the City of Monterey and other environmental organizations. We are proud of all our green businesses," says Gabby Carbajal, Registered Environmental Health Specialist, Monterey County Health Department. "A certified green business demonstrates ongoing environmental compliance and voluntarily implements pollution prevention, recycling and solid waste reduction, and energy and water conservation practices in the workplace."
For more information on the Chrysalis Software's environmental stewardship, visit www.chrysalis.net.
About Chrysalis Software
From its inception, Chrysalis Software, Inc. has helped businesses to improve their customer relationships with their call center products and professional services. Today, Chrysalis customers are taking advantage of the latest advances in hosted and premises-based Interactive Voice Response (IVR) systems, Advanced Speech Recognition (ASR), Computer Telephony Integration (CTI) and Call Center Management Systems. Information about Chrysalis Software's products and services can be found at www.chrysalis.net.
Chrysalis Software Contact:
Donna Penwell
Marketing Specialist
831-394-7397Email Contact
Chrysalis Software, Inc.
126 Clock Tower Place Suite 215Carmel, CA 93923
Chrysalis Software Contact:
Donna Penwell
Marketing Specialist
831-394-7397Email Contact
Chrysalis Software, Inc.
126 Clock Tower Place Suite 215Carmel, CA 93923
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Mrs. Emma Akes ~ daughter of James Bay and Experience Jane (Scott) Bay
Leon Reporter, Leon, Iowa
Thursday, November 2, l922
JAMES BAY was born near Sands Springs, Delaware County, Iowa, Oct. l5, l845, and passed away at his home in Franklin Township, October 20, l922, at the age of77 years and 5 days.He was united in marriage to EXPERIENCE JANE SCOTT, of near Garden Grove, March 4th, l867.To this union four children were born, SARAH CAROLINE and ANNA EVANELL, dying in infancy.JONATHAN ALISHIA and LOUISE EMMA, survive him.
In l873, he moved to Kansas where he remained for about 7 years, the rest of his life being spent in Iowa.He leaves to mourn his loss, his aged wife, his son and daughter, MRS. EMMA AKES, 7 grandchildren, 2 great grandchildren, two sisters and three brothers, MRS. JAMES CRAGO, of Garden Grove; MRS. LUCY B. CRAGO, of Ben Hur, California; EDWARD BAY, of Ben Hur, California; JOHN BAY, of Wichita, Kansas and GRANT BAY, of Hulett, Wyoming.
He united with the Christian Church in early life and lived and died in that faith.Uncle JAMES, as he was called, was always an honest, upright man and believed in keeping the Golden Rule and do unto others as ye would have them do unto you.Funeral services were held at the home, Friday afternoon, at 2 o'clock by brother, Lewis Sears.Interment in the Johnson Cemetery.
Copied by Nancee(McMurtrey)Seifert
"With permission from the Leon Journal Reporter"
July l0, 2002