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Dr. Donald W. Welch Bio
Donald W. Welch, Ph.D., LMFT
Licensed Marriage and Family Therapist
Founder and Executive Director
Clinical Supervisor
AAMFT Approved Supervisor
Phone: (619) 858-3105 x 130
The Center for Enriching Relationships, Inc. (CER) (www.cersandiego.org) accomplishes its mission as a nonprofit 501(c)(3) tax-exempt counseling center supplying professional psychotherapy services with biblically consistent approaches and other resources at reasonable and affordable fees. This center was first incorporated in Kansas (2003) by Donald W. Welch, Ph.D., MFT.
Previously, Dr. Welch had served sixteen years (fourteen full-time) as Professor of Christian Education and Family Studies at MidAmerica Nazarene University, in Olathe, Kansas where he received the Gamma Epsilon Donald S. Metz award for Distinctive Academic Contributions (voted Teacher of the Year by faculty and student body) and was also included in several editions of Who's Who Among America's Teachers.
In 2005, Dr. Welch left his full-time teaching post to move his family and Enriching Relationships, Inc. to California where he currently serves as Founder Executive Director of the Center for Enriching Relationships™.
Dr. Welch brings a unique voice to discussions of relationship and the Bible. He has been counseling couples, families, and individuals in various settings for over thirty years. Along with being a published author, he is a versatile and accomplished communicator who speaks about relational issues at conferences, churches, retreats, and seminars throughout the United States.
Dr. Welch is also a licensed clinical marriage and family therapist in Kansas where he has been in private practice since 1998. Currently, he is Founder and Executive Director of Center for Enriching Relationships, Inc. where he is in practice as a California Licensed Marriage and Family Therapist (LMFT 50129). His clinical experience and history includes having worked as a family therapist staff member at Charter Behavioral Health System of Kansas City, a psychiatric hospital once located in Overland Park, Kansas.
A veteran university professor, Dr. Welch is currently an Adjunct Clinical Psychology Professor at Azusa Pacific University's graduate program, and an undergraduate and graduate Adjunct Master of Arts in Clinical Counseling Psychology Professor at Point Loma Nazarene University. He has also accepted invitations to lecture and serve as Adjunct Professor at Friends University and Point Loma Nazarene University's School of Theology and Christian Ministry (his alma mater).
Dr. Welch, a Top Ten Pro-Family Heroes of 2015 additionally headed up the MidAmerica Nazarene University's Department of Christian Education, and created the popular Youth and Family Ministry bachelor's degree program where young men and women were being prepared to assist families with this century's impending challenges. For five years, he was MNU's chairman of the Division of Management and Human Relations where Dr. Welch led in the growth of a degree program focused on developing relationships in leadership and management. He is included in Presidential Who's Who, International Who's Who of Professionals, National Registers in Executives and Professionals, Cambridge Who's Who, Biltmore Who's Who, and several publications of Outstanding Young Men of America.
As an ordained minister in the Church of the Nazarene, Rev. Welch has served as senior, associate and interim/preaching pastor in California, Kansas, and Missouri. Currently he serves as the Counseling and Marriage Savers Pastor at Skyline Church in San Diego California. In addition to offering counseling services at Skyline, he oversees the Marriage Savers Ministry a multifaceted team of 50 volunteers who help couples develop stronger marriages. At this local church, Dr. Welch moderates a monthly panel of trained and licensed marriage and family therapists, clinical psychologists and medical physicians called "My Therapist 'Sez'…" Dr. Welch and his wife have also led a number of benevolent teams around the world distributing food and constructing buildings.
Dr. Welch's educational credentials are as follows: The B.A. and M.A. from Point Loma Nazarene University in San Diego, California; a M.Div. from Nazarene Theological Seminary in Kansas City, Missouri; the M.S. in Family Therapy from Friends University in Wichita, Kansas; and, the Ph.D. in Education from the University of Kansas in Lawrence, Kansas. He is a Clinical Member in the American Association for Marriage and Family Therapy, an Approved Supervisor in the American Association for Marriage and Family Therapy, a Certified Human Behavior Consultant, a member of the Kansas Association for Marriage and Family Therapy, and a member of the California Association for Marriage and Family Therapy.
Dr. Welch is happily married and he and his wife have two teenagers.
Other areas of expertise where Dr. Welch may assist you, your family, your school or organization:
- Persistent problems with a child's behavior, school adjustment, or performance
- Sexual Concerns
- Feelings of depression, failure, anxiety, or loneliness
- Difficulty in talking with family members, friends, or co-workers
- Alcohol or drug abuse
- Repeated financial difficulties
- Drastic weight fluctuations or irregular eating patterns
- Chronic work difficulties or frequent job changes
- Unmanageable anger, hostility, or violence
- Persistent feelings of dissatisfaction with marriage or family life
- Difficulty coping with stress arising from life crises such as death,
divorce, acute or chronic illness, or unemployment
Robin Welch Bio
A former middle school teacher, MidAmerica Nazarene University Assistant Professor, and Family Counseling Services CFO, Robin currently serves as the Center for Enriching Relationships CFO/COO. She has an earned Bachelor of Science in Education from Northwest Missouri State University and a Master in Science degree in Library Sciences and Information Systems Technology from Emporia State University in Kansas. She and her husband, Dr. Welch, founded Enriching Relationships in 2002 in Kansas where they were professors at MidAmerica Nazarene University. For the past eleven years, Robin has co-taught a popular Skyline Church couples class with her husband which averages 130 people per week. Prior to the past eleven years, Robin traveled for ten years with her husband where they presented a couples seminar in 12 different states.
CER Phone (619) 858-3105 x 120
Victoria Kim Bio
Victoria Kim, MS, LMFT
Licensed Marriage and Family Therapist
Associate Director of Korean Church Relations
Phone: (619) 858-3105 x 149
As a licensed MFT who has counseled individuals, couples, families, and children, I work with you to discover the underlying beliefs and patterns that often paralyze us from being able to think up more creative and flexible ways of approaching life. In counseling, I bring my background in public health, church leadership and marriage and family therapy to create a systematic understanding of all the factors that have led to you being who you are today. Being able to process this information in a safe, confidential and warm environment often creates new opportunities for experiencing the fulfilling relationships and life that we all desire. My goal in therapy is for you to feel empowered to approach your own life with confidence and joyous expectation as you experience healing and closeness in your relationships with others.
I have extensive experience in the following:
- Anxiety
- Family of Origin Issues
- Parenting
- Premarital & Marriage Counseling
- Domestic Violence/Anger Management
- Life Transitions
- Grief
- Personal Development
- Cross-cultural Issues
- Spirituality and Faith
Education and Training:
- B.S., Public Health from John Hopkins University; Baltimore, MD
- M.A., Marriage and Family Therapy from Fuller Theological Seminary; Pasadena, CA
Professional Experience:
- Self-Esteem Enhancement Council – Marriage and Family Therapist Intern
- Citrus Counseling – Facilitator of Domestic Violence, Anger Management and Parenting groups
Ministry Experience:
- Light of Love Mission Church – Women's Ministries
- San Diego Calvary Church – Leadership Development
Professional Affiliations:
- Licensed Marriage and Family Therapist with the California Board of Behavioral Science, #LMFT 50910
- Member of the California Association of Marriage and Family Therapists (CAMFT)
Dr. Jennifer Konzen Bio
Jennifer Konzen, Psy.D., LMFT
Licensed Marriage and Family Therapist
Director of The Center
for Sexuality for Improving Marital Intimacy and Sexual Health
Phone: (619) 858-3105 x 145
Joy. Peace. Success. Healthy, happy relationships. It takes guts to say to someone, "Could you help me get there?" In combining my background in biblical counseling with my work as a therapist, my goal in therapy is to draw out the heart, build hope, facilitate open, safe communication, and help provide practical, faith building, and real life tools for spiritual, mental, and emotional change.
Before pursuing training in marriage and family therapy, I have had the joy of providing biblical counseling with couples, families, and individuals for the last 20 years. In therapy, I have worked with couples who have wanted to renew the fire in their love life and sexual relationship as well with others who are no longer communicating or have been on the brink of divorce. I have worked with parents on how to build a rewarding, close relationship with their children while maintaining clear discipline. I have counseled individual men and women who have experienced trauma, depression, anxiety, grief, sexual abuse, and childhood and partner violence, and am a certified counselor for Chemical Dependency. I have worked with children and adolescents who have a hard time sitting still in class, argue with their peers, teachers, and parents, or felt unmotivated, depressed or suicidal. Working through issues like these and others with couples, families, and individuals has given me a great respect and admiration for the amazing, resilient people I have had the privilege of helping.
Speaking and Groups
More Than Imagined!
– Group Marriage Intensive for enrichment or couples in crisis
The Intimate Marriage
– Group or Individual Couple Sex Therapy
Satisfied Marriage
– Smalley Intensive based on DNA of Relationships
Training Them in Love
– Parenting Classes and Workshops for birth through grade school
In His Image Workshop
– The Impact of Media and Body Image on Eating Disorders
– for women or mother/daughter
The Power of Parenting
– Preparing for the teen years
Chemical Dependency
Recovery Support Groups
Professional Experience
MARITAL COUNSELING - conflict resolution, effective communication, sexual relationship, infidelity, unity, cultural differences, military deployment
PRE-MARITAL COUNSELING (including Prepare/Enrich)
SEX THERAPY – working with couples on sexual issues in their marriage from communication around sexuality to dysfunction
INDIVIDUALS - depression, stress and anxiety, anger management, grief, sexual abuse, suicidal thoughts, mental illness
ADDICTION AND RECOVERY - drug, alcohol, gambling, and sexual addictions
FAMILY THERAPY - treatment with the whole family
ADOLESCENT COUNSELING - school issues, divorce, depression, drugs and alcohol, relationship conflicts, eating disorders, self harm, suicidal thoughts, gangs
PLAY THERAPY - school age beginning at age 3:
ADHD, frustration tolerance, anger, trauma, conflict resolution
MUSIC THERAPY - using music and instruments to help identify and express emotions
Education, Training, Experience, and Professional Affiliations
- BM in Musical Theater and Vocal Performance, Arizona State University, AZ
- MA in Marital and Family Therapy, Alliant International University, San Diego, CA
- Professional Associate Member of the American Board of Christian Sex Therapists
- Post Graduate Courses in Music and Play Therapy
- Certified Chemical Dependency Counselor
- Specialized training in Love and Respect Intensive
- Trained in Emotion Focused Therapy
- American Association of Marriage and Family Therapists (AAMFT)
- Trained Facilitator for Dynamic Marriage
- Languages: Sign Language (Exact English/ASL)
- Ministry Work: Women's Counselor Intern, Deaf Ministry, Teen and Preteen Ministry Leader
- Marriage and Family Therapist Trainee, Palomar Family Counseling Service (AAMFT)
- California Licensed Marriage and Family Therapist, #LMFT 60514
Melissa DeGrazia Bio
CER Phone: (619) 858-3105 x 120
Selena Idioma Bio
CER Phone: (619) 858-3105 x 120


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White rhino
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Keywords: 1, african, animal, animals, biological, biology, calf, ceratotherium simum, horn, horned, horns, kruger national park, mammal, mammals, nature, no-one, nobody, one, rhino, rhinos, single, south africa, square-lipped, white rhinoceros, wild, wildlife, zoological, zoology
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subset: commoncrawl


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A gold edge makes this veil unique, just like you! Classy and elegant, this veil will make the statement everyone will remember.
Veil w/1" gold, scalloped, embroidered edge, rhinestones, bead & sequins.
(For photo purposes - 35" veil is pictured here. Actual veil will have similar characteristics (tiers, edging as shown) but will be the length that you choose above.)


text: Blanche M. Kuczmanski, 97, of Morningside Nursing Home, South Bend, passed away of natural causes on Friday evening, October 13, 2006, in her home. She was born October 3, 1909, in Anderson, Texas, to Vincent and Mary (Wesolek) Walkowiak. Besides her parents, she was preceded in death by her sisters, Christine Phillips, Virginia Hecklinski, Martha Piers and Jean Fischer. On February 20, 1928, in South Bend, she married Sylvester J. Kuczmanski, who died in 1990. Left to cherish her memory are her daughter, Patricia Schoer of North Ridge, CA; son, Lee J. Kuczmanski (Valerie) of Clarkston, MI; seven grandchildren and seven great-grandchildren. Mrs. Kuczmanski was co-owner of Sal's A-1 Party Store in South Bend with her husband, Sylvester. She was a longtime member of Corpus Christi Catholic Church and a member of the Altar and Rosary Society. A Mass of Christian Burial will be held at 10 a.m. Wednesday, October 18, 2006, in Corpus Christi Catholic Church, with Rev. Camillo Tirabassi officiating, and burial will follow at Highland Cemetery. Friends may call in the Welsheimer Family Funeral Home, 521 N. William St., from 6 to 8 p.m. today, and a Rosary will be recited at 6:30 p.m. in the funeral home. Friends and family may leave e-mail condolences at firstname.lastname@example.com.


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London, South Kensington
22 July 2009
Price realised
Frank Wootton (1911-1998)
Boats in Hong Kong harbour
signed 'Wootton' (lower right)
oil on board
25¼ x 30 in. (64.1 x 76.2 cm.)
Contact Client Service
New York +1 212 636 2000
London +44 (0)20 7839 9060
Asia +852 2760 1766
Special Notice
No VAT will be charged on the hammer price, but VAT at 15% will be added to the buyer's premium which is invoiced on a VAT inclusive basis.
Expert insights on an artist who arrived in the second wave of Pre-Raphaelites, and who sought to re-enchant a wearied world
Artists, patrons and critics have argued for centuries over the right way to frame a painting. Ultimately, it's a matter of personal taste, says Andrew Graham-Dixon
As an iconic 1972 model is offered online, we explain why this pioneering steel sports watch is so prized by collectors
Socialite and reality TV star Mark-Francis Vandelli brings his unique sense of theatre to The Collector auctions


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The George Washington University Hospital
The George Washington University Hospital (GW Hospital) is a 385-bed tertiary care, academic medical center located in downtown Washington, DC, next to the Foggy Bottom metro. GW Hospital serves a diverse group of patients â€" from local residents to our nation's leaders. As an academic medical center, GW Hospital has the resources and clinical expertise necessary to provide specialized, complex care. This expertise includes cardiac, cancer, neurosciences, women's health, trauma, and advanced surgery including robotic and minimally invasive surgery.
GW Hospital is jointly owned and operated by George Washington University and a subsidiary of Universal Health Services, Inc. (UHS), one of the nation's largest healthcare management companies. The GW School of Medicine and Health Sciences (SMHS), adjacent to the hospital, is the 11th oldest medical center in the country and the first in the nation's capital.
The mission of GW Hospital is to provide the highest quality healthcare, advanced medical technology, and world-class service to its patients in an academic medical center dedicated to education and research.
To review medical records and assign ICD-9-CM and CPT codes to Inpatient and/or Outpatient records. Post charges and level Emergency Room visits. Abstract medical, demographic and other information from the medical record and enter data into hospital wide information system, meeting coding standards and daily productivity.


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Just how long can the author stay away from his blog and still retain a link to the network of individuals reading his posts? A very difficult question to answer and I can honestly say that I have no idea as to the responses of an audience that is varied in background and frequency. Although I can say that the content of posts will always reinstate an interest in the common word and works. It has been some time since my last post but I have developed a greater respect for the diversities of styles and content within Personal Learning Networks. I have read much on the development and use of the environments that can be created with working networks. Teaching careers have been enhanced greatly by the positive input from one PLN to the other.
After a period of time common interest in Education seems to gather like minds together no matter what the teaching style or content area being taught. The scope of members within the PLN grows exponentially with the increase of time and effort because of the common goal to gain more and more knowledge or subject matter within our circle of friends we learn from. The concepts of Siemens and Downes giving us the premise of connectivism connecting learners will increase the desire to be connected (Kline) and increase the amount of people in our network. This in turn increases the amount of time we must spend following our fellow network members but also increases the rewards of the increased knowledge within our immediate grasp.
Does the use of our PLN satisfy our need for social interaction?
Till next post. Later.


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|GCRIO Home Library Consequences Summer 1995 Impacts of a Projected Depletion of the Ozone Layer Figure 1
|| Search
Figure 1 The spectrum of solar radiation that is incident on the top of the Earth's atmosphere, showing the bands of the ultraviolet that are referred to in the text. The human eye can see only the region labeled "visible light," which is composed of the familiar rainbow of colors from violet to red. The ultraviolet begins where the violet response of our eye ends. In units of wavelength, the UVC extends from 100 to 280 nanometers (1 nm= 1 billionth of a meter); the UVB, which is less energetic, from 280 to 315 nm; and the least energetic, UVA, from 315 nm to the beginning of visible light, about 400 nm. UV radiation that forms ozone in the upper atmosphere constitutes only a portion of the UVC, from about 200 to 250 nm.


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Rascal Flatts have 10 studio albums under their belt, not to mention numerous hits about love, loss, heartbreak and the like. With their 10th release, Back To Us, the trio tried to find and write songs that put a new twist on some age-old themes. Lead singer Gary LeVox tells us: ["You can only talk about the same things so many times and so many different ways. I think that's what we try so hard to do is to tell something about love or something about heartbreak or something about life in a different way, and I think that we were successful with finding those songs and with writing some of them and just doing things new and trying to find different ways to say things that have already been said before, say it in a different way, and I think we did it."] SOUNDCUE (:29 OC: . . . we did it.)
Rascal Flatts is nearing the top of the charts with their latest hit, "Yours If You Want It." It's the debut single from Back To Us, which was released in May.


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Events | PHP Event Sharing Web Template (Parse PHP) Created by fvimagination. This templates have specific characteristics, namely: Events has features such as Compatible Browsers: IE9, IE10, IE11, Firefox, Safari, Opera, Chrome, Software Version: PHP 7.x, PHP 4.x, PHP 5.x, PHP 5.0 – 5.2 .
You can use this Events | PHP Event Sharing Web Template (Parse PHP) on Php scripts category for business, calendar, events, facebook, news, submit and another uses.
Main Features:
- Video preview resolution: None
- Software framework: None
- Software version: PHP 7.x, PHP 4.x, PHP 5.x, PHP 5.0 – 5.2
- Compatible browsers: IE9, IE10, IE11, Firefox, Safari, Opera, Chrome
- Files included: JavaScript JS, HTML, CSS, PHP
- High resolution: None
Events | PHP Event Sharing Web Template (Parse PHP)
iOS, Android and Web versions can share the same Parse database
Mar 30th 2017• Initial release | HTML/CSS/PHP• Backend with Parse PHP SDK hosted on back4app.com
Made from iOS and Android apps makers, Events is a Responsive HTML/CSS Website Template where you can showcase and share events all over the world. Users can submit new events to the Admin of the site (you) and you can approve them by changing the isPending field's value into False in your Parse Dashboard on back{4}app.
Worried about Parse shutting down? It will not thanks to Parse Server and back4app, please check this out: http://fvimagination.tumblr.com/post/153383547781/parse-sdk-will-not-shutdown-in-2017-thanks-to
You may also use the Adminca CMS Panel for Parse apps as a great alternative to insert/edit data in your Parse Dashboard, after you'll create your app on back4app, create a free account on http://adminca.com and create a new Panel, choose Self-hosted Parse server and paste your Host link, Application ID and Master Key in the relative fields (you cam find them into Core Settings of your back4app dashboard)
• Fully Responsive
• Works with Parse PHP API hosted on back4app.com
• Submit new events to the Admin via the website
• Modal 'Contact Us' form
• Add an event to your Google Calendar
• Geolocation with Google Map for events addresses
• Share an event via social networks and Mail
• Font Awesome icons
• Flat and modern Design
• Easy to customize
• Bootstrap
• HTML & CSS and PHP well commented code
• jQuery
Have fun with Events, and don't forget to rate it on your Downloads page!


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"Despite getting wrapped up in all the hubbub of E3 2013′s second day, several attendees (myself included) still had it in them to mosey over to LA's Greek Theatre for The Legend of Zelda: Symphony of the Goddesses, which would be performing its new "Second Quest" set that night.
Considering how the symphony was celebrating its 50th show with this performance, and with videogame music maestros like Tommy Tallarico and Shota Nakama in attendance, it was truly a night to remember.
Like the show in Philadelphia last year, there were a number of returning movements, including Ocarina of Time, The Wind Waker, Twilight Princess and A Link to the Past. Conductor Eimear Noone still pulled out that Wind Waker baton amidst a roaring crowd (that'll never get old), and fans weren't afraid to cheer and applaud during the performance. With that said, there were more than a handful of new and pleasant surprises, such as all-new Spirit Tracks and Skyward Sword medleys, but I'd easily say that the "Tal Tal Heights" portion of the Link's Awakening medley alone was worth the price of admission.
Prior to the evening's performance and incoming swarm of Zelda character cosplayers, I had the pleasure of sitting down with producer Jeron Moore to pick his brain about the process of assembling a concert so special that many Zelda fans would world-warp throughout all the corners of the Earth just to witness it."
- Patrick Kulikowski


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Automatic Rollover IRAs
Since 2005, we've provided solutions to accommodate distributions from ongoing, terminated or abandoned defined contribution plans. Our IRAs are designed to comply with the Safe Harbor regulations, Section 657(c) of the Economic Growth and Tax Relief Reconciliation Act of 2001.
Our IRA solution allows you to lower plan costs, reduce liabilities, and focus on current employees.
Reconnect Past Participants with Their Retirement Funds
Let us take care of former participants so you can spend your time managing the plan for active participants. Missing or non-responsive former employees can be a drain on resources, impairing effective plan administration and exposing you to additional fiduciary risks. Automatic rollovers were created to provide an easy way for retirement plans to remove costly, small balance accounts of former employees while preserving the tax-deferred status of their retirement savings.DOL Requirements
Working with the Best
Our clients view us as an ally who goes above and beyond to provide solutions to their ever-changing retirement plan needs.
We work with plan sponsors, recordkeepers, TPAs payroll providers and financial services companies. We also team up with other professionals including financial advisors and employee benefit and bankruptcy attorneys.Meet your team


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According to sources, ED is all set to begin the extradition process against Vijay Mallya and move to MEA to file extradition of Mallya from UK.
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I believe life is a continuing learning process that is controlled by our thoughts and our actions. I have heard many times that life gets easier with age, but I wonder if this is really true? I am a 22 year old college student and I have not experienced my life getting any easier than it was when I was five years old chasing butterflies around on the soccer field. I thought life was pretty magnificent at that time, but to be completely honest, I think life has continued to get more difficult and frustrating. I can remember the many nights I called my mom in tears and screaming about how stressed out I was, how terrible the day had been, and how I didn't think I could deal with life anymore. My mom would always say to me "everything would be okay and that tomorrow was a new day for fresh actions." I would think to myself, "Gee, Mom thanks for the GRAND advice!" However, now I have begun to realize the bad days actually do make the good days seem that much better depending on my actions. Everyday is filled with numerous choices and obstacles for us to overcome. Last semester, I took six courses for 18 credit hours, which many say is a work overload for a senior in college. At the beginning of the semester, I gazed at each course's syllabus and I instantly went into "freak mode" as I like to call it. I was so frazzled and alarmed with the anticipated semester's work. The thought of failing a class that would prevent me from graduating on time dominated my life. I was constantly thinking, yes, just thinking, about how I was going to write all of the required papers, read chapter after chapter, study and have a social life.
After my first collapse of the semester, which took place after a long week, I realized I needed to stop thinking and take action. So I did. It wasn't painless, but when I
reflect on those days, I am grateful that I made the effort to accomplish what was needed to satisfy each course's requirements. I took action and stopped just thinking about doing the work. I felt so proud of my accomplishments!
On numerous occasions I said I was going to do something I really wanted to do or change in my life, but I never actually did anything. I thought about outcomes so many times, but never took action. Life is about the actions we generate, the mistakes we make and the learning of lessons from those mistakes. Everyone makes mistakes in their lives, however, what really matters are the actions we take to correct our mistakes. So today, I am going to turn my thoughts into actions and develop into the person I have always thought of being. Like the saying goes, "actions speak louder than words."
If you enjoyed this essay, please consider making a tax-deductible contribution to This I Believe, Inc.


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Cordless Grease Gun
A cordless grease gun is more than just the latest gadget for your auto shop. Cordless technology has taken the tool world by storm and now grease guns have benefited from it. I would recommend using a cordless grease gun if you are in a large auto shop or maintain a large fleet of equipment. For example, a mechanic working for a large construction company is constantly having to grease and lube large pieces of equipment. With a cordless grease gun and extra batteries this job can be completed faster and better than by just using an old hand pump type. Everyone knows regularly greased equipment last longer and performs better.


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Glancing at the mirror the other day I thought…oh no my makeup doesn't look good! What! When I left my house it looked flawless (so I thought!) Maybe it's just the mirror or maybe I need to change it up!
Here's how I'm going to change it! (Any suggestions or recommendations are very welcome 🙂
Current foundation: Loreal Paris True Match Foundation in Rose Ivory
I have used this for years since reading a magazine article that highly recommended it for pale skin. I have been happy with it but more and more I've been thinking I need a paler shade!
What I'm thinking of getting instead: Nars Sheer Glow Foundation in Syberia
It's hard to find a Blogger/ Vlogger that doesn't rave about Nars foundation. I definitely want that to be the next foundation I try. Syberia is the lightest shade they do but I'm not sure if it will be too light. I'm going to head to the makeup counter and try and get a sample to decide.
Current Mascara: Barry M Feature Length Mascara
I have big eyes and I find if I use a volumising mascara my eyes always look heavy like I haven't had a good nights sleep! That's why I always go for lengthening mascara like this Barry M one.
What I'm thinking of getting instead: Not sure…
I find it really hard to find lengthening mascaras as the majority of mascaras out there seem to be about achieving the most volumised lashes ever! If anyone knows a really good lengthening mascara I'd love to know in the comments!
Current Eyeshadow: Naked Palette
I always use the virgin eyeshadow as a base and then half-baked. I love the golden tones of half-baked!
What I'm thinking of getting instead: Sticking with the Naked Palette
Although I'm sticking with the Naked Palette I don't think I'm currently getting the most out of it. There are so many amazing eye looks you can create and my current one is extremely basic! I'm going to watch some Youtube videos to see if I can learn some brand new looks!
Current lipstick: Tanya Burr Luxe Liquid Lipstick in Martha Moo
This is great for me because it's so easy to apply and best of all it stays on all day. It's perfect for every day and isn't far off my natural lip colour, just a more intense version.
What I'm Thinking Of Getting Instead: ASOS Make-Up Matte Liquid Lipstick – Overqualified
I saw this on Youtuber Meg Says channel and instantly fell in love with the shade. It's a deep pink red tone. I think it will work well against my pale skin!
Current concealer: Rimmel Wake Me Up
Recently it seems whenever I use this under my eyes it makes me look more tired. Oh how I long for the I've had a great nights sleep look! This hasn't really been achieving that.
What I'm Thinking About Getting: Maybelline Eraser Eye Concealer
I've read some great reviews on this product and with it being a high street product I think it's definitely worth giving a go. Hopefully, this will be the end of the tired eyes look!


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Breastfeeding Note From Pizza Waitress Pays It Forward
Breastfeeding Note From Pizza Waitress Pays It Forward – Yahoo! (click to see original article)
This article is about a mother, Jackie-Johnson Smith, who was breastfeeding her child in a restaurant. To her surprise, the waitress paid for one of her pizzas and wrote a note on her receipt thanking her for breastfeeding! When Johnson-Smith got home, she posted a photo of the receipt to her Facebook page with the message: "I have breastfed three children… I have breastfed them in a countless number of places both pleasant and unpleasant, discreetly and out in the open. I have gotten many looks and stares, but tonight erases any negativity I have ever received. I ate at Fongs for the first time tonight. Having a fussy baby I nursed him for awhile in the booth and eventually left the table early as to not disrupt the restaurant. The waitress gave this receipt to my husband. I was speechless and emotional. Although I don't need a pat on the back for feeding my child, it sure felt amazing. It is amazing how we women can make each other feel when we empower each other."


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Follow our royal wedding live coverage for the latest updates.
Mr Cameron pointed out where he had slept the night before Prince Charles and Diana, Princess of Wales were married.
He also had some advice for those in the queue: "You must make sure to wake up in time to see the carriages go by, you mustn't sleep in."
Around 1.1 million visitors are expected to be in London on the day of the royal wedding, to watch Prince William marry Kate Middleton an increase of 600,000 on the average for this time of year, according to VisitBritain.
More royal wedding video


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Whether you are looking for a cosy mountain hut or an elegant Hotel, our range of accommodation and eateries caters to all tastes and budgets.
This cosy guest house is located four km north of Engelberg. It offers simple rooms and a total of ten beds. It's an ideal place to stay for guests who are seeking a restful place where they can enjoy nature. Those who like traditional regional dishes and carefully selected wines will enjoy its restaurant.
Price: min. CHF 60.00 (included breakfast)


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Deccan Chargers skipper Adam Gilchrist was honest in his assessment of the team's defeat to the Mumbai Indians, saying that Harbhajan Singh's whirlwind 49 not out off 18 balls, deflated the team during the innings break, and his own dismissal for a duck reinforced that feeling.
"We were in the contest for a good part of the game when we were bowling, and then obviously Harbhajan's innings just totally changed the whole momentum of the game. If you look at the amount of runs we lost by, his innings definitely made the difference.
"Without a doubt a burst like that at the end affects a side. Anyone would be lying if they said it doesn't deflate you a little.
"You try not to set targets when you are bowling first, you try and get the job done and deal with whatever target you are set.
"We spoke about it during the break and we tried to dismiss it from our minds, but obviously my dismissal off the second ball only continued that flow towards the Mumbai Indians."
Although this was supposed to be a 'home' game for the Chargers, it was played in Mumbai - home of the Mumbai Indians and Sachin Tendulkar, but Gilchrist refused to blame the fact that their home game became effectively an away game for the defeat.
"Look, it doesn't matter whether we are playing on the moon or in Sachin's backyard, we had to play better than we did. I guess this is Sachin's backyard, but tonight it was Harbhajan's. As I said, he was the difference between the teams."
Tendulkar too, was full of praise for Harbhajan, saying the Turbanator had turned the match around for Mumbai.
"It was a difficult match in the first half till Harbhajan went out and played some magnificent shots. That was the turning point as far as setting up the match was concerned," Tendulkar said.
Tendulkar praised his bowlers and fielders too, saying they had done a great job. On the ploy of opening the bowling with Harbhajan, he said it was a planned strategy.
"We had planned before-hand to open the bowling with Harbhajan, and I'm glad it worked. Fielding was a little difficult because the ball got wet, but I thought on the whole we did a great job tonight. The bowling was great too.
"So far it's been good (with 5 wins out of 6 matches), but we don't want to lose this momentum. It's about momentum and keeping the fighting spirit high in the team, and that's what we've got right now."
Harbhajan, for his part, revealed that he had used one of Sachin Tendulkar's bats to score his runs and thanked his captain.
"When I walked out to bat, I thought we needed a few more runs on the board and luckily for me, everything just clicked into place," said Harbhajan.
"It was Sachin's bat I was using and I must thank him for giving me a fantastic one. Everything I hit came off the centre of the bat and I'm pleased with the innings.
"I know I can hit the ball and that's the way I usually play, but I think today was my day."
"I'm really happy we've won this game and now we're on top of the table, but we'd like to continue to stay there for the rest of the tournament."
It was just my day: Harbhajan
Deccan Chargers skipper Adam Gilchrist was honest in his assessment of the team's defeat to the Mumbai Indians, saying that Harbhajan Singh's whirlwind 49 not out off 18 balls, deflated the team during the innings break, and his own dismissal for a duck reinforced that feeling.


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Opening on September 19th is director Wes Ball's adaptation of James Dashner's young adult novel The Maze Runner. The story centers on a group of teens who appear in an area known as "The Glade" but have no memory when they wake up. The only way out appears to be through a shifting maze of massive walls that harbor dangerous creatures known as Grievers. Only one of the teens, Thomas (Dylan O'Brien), holds the secret to their escape. The Maze Runner also stars Will Poulter, Kaya Scodelario, Aml Ameen, Thomas Brodie-Sangster, Ki Hong Lee, and Patricia Clarkson.
I visited the set last year when the movie was filming outside New Orleans. It looked like it could be very cool. The embargo is lifted on my set visit, so I've rounded up all the Maze Runner movie images that have been released so far. Check them out after the jump along with the trailer. [Update: We've added seven more new high-resolution images from the film after the jump.]
For more on The Maze Runner:


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Gemmy-Poo II
I was rummaging around my attic the other day, and I found a bunch of old family treasures. One box in particular, belonged to an ancestor of mine, Aunt Gemmy-Poo. There were books, bottles, candlesticks, some clothes, and a bunch of old portraits of Aunt Gemmy-Poo. Some of them were quite naughty!! I slipped into her stockings and hat, and I felt a mysterious power cum over me. I was getting incredibly horny! I'll let YOU decide if you think these pics are a trick... or a treat! Drop me a line and let me know what you think, luv & kisses! Gem Xoxoxoxo
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Northwestern coach Mike Pladus was unwilling to call it the match for the Centennial League title, but most of the 1,500 fans in a packed Tigers' den last night were proclaiming their team No. 1 after a thrilling 34-27 league opening win over Northern Lehigh.
The Tigers ran their dual meet unbeaten streak to 23 with the win, which was clinched after Chris Hunsicker scored a 17-7 major decision over Tim Robb in the 167-pound bout to give Northwestern an insurmountable 34-15 lead.


text: Howdy, I've just started a site in a Gaming Niche and I have an EMD. I have around 7 Articles and I'm ranked #15. I've created Two Go Articles , One Squidoo Lense and blasted the squidoo lens with around 10k sucesfull. Not sure how many have approved. How can I rank Higher , I only have Scrapebox. But I've seen that AMR Looks good. Site:http://gta5news.com/ Not sure how to improve my rank , Any help would be excellent.


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text:
from The American Heritage® Dictionary of the English Language, 4th Edition
- n. A spectroscope equipped with scales for measuring wavelengths or indexes of refraction.
from Wiktionary, Creative Commons Attribution/Share-Alike License
- n. An optical instrument for measuring the absorption of light by chemical substances; typically it will plot a graph of absorption versus wavelength or frequency, and the patterns produced are used to identify the substances present, and their internal structure.
from the GNU version of the Collaborative International Dictionary of English
- n. A spectroscope fitted for measurements of the luminious spectra observed with it.
from The Century Dictionary and Cyclopedia
- n. An instrument used chiefly to measure the angular deviation of light-rays in passing through a prism, and hence to determine the refractive indices of the substance of which the prism is formed.
from WordNet 3.0 Copyright 2006 by Princeton University. All rights reserved.
- n. spectroscope for obtaining a mass spectrum by deflecting ions into a thin slit and measuring the ion current with an electrometer
from Wiktionary, Creative Commons Attribution/Share-Alike License
One of the things they use to help analyze this is something we call the spectrometer and what this basically does is measures wavelengths of light.
That afternoon I was ferried to the mountaintop and introduced to the telescopes and the spectrometer, which is affixed to the base of the big mirror like an oversize parasite to its host.
The spectrometer is a large particle physics experiment package that is expected to shed light on the nature and evolution of the universe.
Space shuttle Endeavour rolls out to launch pad for the last time
Chamitoff said Endeavour was the first shuttle to bring a piece of the space station into space, and now it is going to carry up the spectrometer, which is the station's final major piece of external hardware.
Shuttle Endeavour's Mission and the Seach for Origins of Universe
He does chemical analysis on athletes using an ICP spectrometer, which is used in a variety of fields.
Hi clament, the water is detected by a device called a spectrometer google this for more information, one of astronomy's best tools and shown on the graphs below the picture.
LCROSS Confirms "Buckets" of Water on the Moon | Universe Today
Sitting on the shelf opposite the spectrometer was a three-inch binder of red vinyl.
At the heart of the spectrometer is a 3-foot, doughnut-shaped magnet.
First, a prism can be used to make a spectrometer, which is a device for examining the intensity of
An instrument on Spitzer called a spectrometer analyzed light from one of the jets, revealing information about its molecules.


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I am getting better at this blogging thing... that is... doing it more often than just once very 4 months! Here is how I am trying to keep track of my guided reading groups and their jobs. I have 6 groups for guided reading. Some I meet with every other day, while others I meet with 1 time in our 6-day rotation (they meet more often together as a group as a book club). And of course, there's others who meet somewhere inbetween. I want to keep them all engaged with their book and thinking about their guided reading books more in depth, even when they aren't meeting with me. I tried to assign jobs for them to work on during independent reading time, but the management piece got to be tricky. I would have what they needed to to written down, but they wouldn't remember. I tried giving them post-its, but some of them would loose them. I tried to write them on the board below, but it got messy and it was hard for me to remember to add it to the board. I problem solved a bit and am trying out this system- and so far, so good!
I've got to redo the group numbers and laminate them, but for now it works. I've separated the board into what they need to read to be ready for group next time, what they need to do before they come to group next time, and a due date space if their job is due before they meet with me again. I write them out right in front of them at the end of our meeting as a way to remind them. Then, I have one of the students, go and put it in the boxes for their group. Now, if they should forget, they simply walk over, read the board, and take a seat. I no longer have to get up, erase the board, rewrite it, and put it back- only to go repeat that again in 15 minutes for the next group. Now, it stays put, and the post-its come to it.
I've attached a blue bin from the dollar tree to the wall, right next to the board. Now students just need to plop it in there and I can take the whole bucket to my table to sort it.
It's been really simply, and I like having the board and job drop off bin right next to each other.
|Click to enlarge: Beyond the Text Question Stems
|Click to enlarge: About the Text Question Stems
These are the bookmarks I've made for my students to use for their jobs. A focus for all my groups is deeper thinking comprehension- both beyond the text and about the text. I've printed these front to back so students have both comprehension focuses. They have question stems that they use to create their own questions about their guided reading book. Then they bring those questions to group and we use those to start our conversation. If I noticed the questions are all very similar, I have my own questions ready and we plot their answers using this graphic I whipped up thanks to google images and powerpoint:
I tell my students that we want to think deeper about our book. The "strong, powerful" thinking is like a treasure chest on the ocean floor. In order to get there, we have to ask and be able to answer deeper questions about the book. I have this graphic laminated and attached to my small whiteboard stand and I plot their responses to the questions. If it was a 'surface' level response, it's on top of the waves. Then, they often try again and try to think of something less obvious, more inferential, etc. It is a good visual and feedback tool for my students to know if they are pushing their thinking. It also becomes like a 'game' as they want to get to the treasure chest.
Now if only I had an extra 20-30 minutes added to our reading block....
Until next time!


text: [Insert Profound Deep and Meaningful Content Here] But, seriously.. I'm 32, nearly 33.. I don't look it, or at least I don't think I do, so that's some consolation - right(?). I don't own a house (I have rented for 14 years now), or have children. I own my car, but from the great big… Continue reading Who Am I?!


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Spending 10 influence points to buy one "slave" unit seems too much. A one influence point per unit or ten for an entire deal sounds more reasonable.
On the other hand, mercenaries seem too cheap. It might make sense to add some influence spending there - perhaps also 10 influence points per deal (no matter how many ships where hired at once).


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Times Square tourist attraction, The Naked Cowboy, thinks he owns some sort of trademark on wearing underwear in public and is considering legal action against fellow obnoxious street performer, The Naked Cowgirl (the older junkie-looking one). If he wasn't such a prick, I'd assume this was just some sort of PR stunt, but having witnessed his assholiness firsthand, this sounds just about right.
Naked Cowboy Considers Suing Naked Cowgirl
By Bucky Turco |
41 Responses to "Naked Cowboy Considers Suing Naked Cowgirl"
This could make some serious headline news, and yeah he is an awful person.
hope they both get hit by traffic.
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Winds of Steel (Android)
Published by
Developed by
Critic Score
100 point score based on reviews from various critics.
User Score
5 point score based on user ratings.
Not an American user?
DescriptionWinds of Steel is a game for the Android systems that places the player in a position of a pilot during the Second World War, in the campaign the player can choose between several battles such as "Pearl Harbor" or "Tokyo" where he has to complete his objectives in order to complete the mission, objectives are often standard ones like "defend this area", "destroy that target" or "scan that zone". Each mission has its own aircraft that belongs to either the Axis or the Allies forces, the player can not choose which faction to play as. At the end of the mission the player sees his score and he can then replay the mission at any time to see if he can beat his highest score. Beside a Campaign there is also an "instant action" mode where the player can choose an objective without any connection to a historic battle.
The player controls the aircraft by tilting his phone like he is holding a steering wheel, this way the player can fly in any direction and change his altitude. To fire the player must touch the "Fire" button located on the right side of the screen, beneath the fire button is a button that allows the player to switch to his secondary weapons (this is almost always bombs), after switching the player can use his secondary weapon the same way he used his primary weapon. Some missions will start the player out on the ground and to start flying the player will have to touch the fire button to start his engines. If the player is fired at he will eventually lose control of his aircraft and crash, meaning that the mission has ended and that he has lost.
There are no Android user screenshots for this game.
There are 2 other screenshots from other versions of this game or official promotional screenshots.
Promo Images
Part of the Following Group
User Reviews
|Why does fun never come without a lot of flaws?
|Pixelspeech (1006)
Critic Reviews
There are no critic reviews for this game.
There are currently no topics for this game.
There is no trivia on file for this game.
Pixelspeech (1006) added Winds of Steel (Android) on Jul 14, 2011
There are no game credits on file for this release of the game. Everything in MobyGames is contributable by users.


text: Select an international website Zoover.at Zoover.be Zoover.ch Zoover.com Zoover.com.tr Zoover.com.ua Zoover.cz Zoover.de Zoover.dk Zoover.es Zoover.fr Zoover.gr Zoover.hu Zoover.it Zoover.lt Zoover.nl Zoover.no Zoover.pl Zoover.pt Zoover.ro Zoover.ru Zoover.se Home Destinations Accommodations Add review Add review Add photos Add videos Add new accommodation Add attraction Home Add review Portugal Beiras Aveiro reviews Aveiro Reviews (3) Photos & videos (238) Accommodations (25) Attractions (1) Weather forecast Map Tips (0) More Question and Answer (0) Beaches (2) 8.3 17 reviews See all reviews See all reviews Find Hotel Deals From € 34 Find the best deal View all photos Would you like to know what other people thought of their holiday in Aveiro? Then take look on this page at the reviews written by other travellers. Did you spend your holiday in Aveiro? Then you can add your review here. Aveiro scores a 8.3 out of 10, based on 17 reviews read more Would you like to know what other people thought of their holiday in Aveiro? Take a look at the reviews of other travellers about Aveiro. Have you been on a holiday in Aveiro yourself? Add your review here. - - - - Less text Find the best deals Most visitors found the best deal for Aveiro with: 1 Destinia.com Check price TOP 2 Infohostal.com Check price TOP More suppliers Collapse 3 English reviews about Aveiro 8.7 3 Reviews Appreciation 8.7 Nightlife 8 Culture 8 Surroundings 8.3 Atmosphere - Care for nature - Language: English (3) All (17) ------------ Dutch (13) German (4) French (4) Italian (3) Spanish (1) Portuguese (1) Party types: All (3) ------------ With partner (1) Friends (1) Sort by: Date of visit Contribution date _._ 8 peter, 26 July 2006 Nightlife 7 Culture 6 Surroundings 6 Atmosphere - Care for nature - A cosy city, a bit touristic. Nice boats. A pity they don't go through Aveiro, but heads for sea. _._ 10 eva, 26 May 2005 Nightlife 10 Culture 10 Surroundings 10 Atmosphere - Care for nature - We're going to Costa Nova for years now and we love it. We know some people over there. _._ 8 Linda, 10 July 2006 Nightlife 7 Culture 8 Surroundings 9 Atmosphere - Care for nature - We stayed at this place during Euro 2004. A lovely place, kind people. It's pretty easy to visit Aveiro, we hired a car. The beaches are beautiful and clean. We had a great time. It's pretty nice to explore Aveiro and the environment is beautiful. Actions for Aveiro Add review Add photos Add videos Add new accommodation Add attraction Print reviews Information about Aveiro Weather Aveiro Map Aveiro Photos Aveiro Videos Aveiro Question and Answer Aveiro Destinations nearby Mira Ovar Vagos Murtosa Águeda Torreira Albergaria-a-Velha Zoover link on your website Click here for all Zoover widget options


text: I bought some nook books but im having trouble reading them on my mac. I downloaded nook reader and on mountain lion it freezes and doesnt fully load. I read online this has been a common problem for awhile now and you should use Nook study instead. well Nook study works and stuff but it skips pages when reading. so you will be reading and its like page 13 then 15 then 16 then 19. you can get to the missing pages directly by putting the page number into search but you cant just read the book like normal without it skipping. does anyone know of an alternative app that will read Nook Books? (DRM epub)


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Today, Ubisoft® announced the exciting and diverse line-up of games that PAX Prime attendees can get their hands on before the official releases by visiting the company's booths inside the Washington State Convention & Trade Centre in Seattle, WA. Ubisoft also announced that it will host an exclusive Assassin's Creed Revelations panel on Friday, August 26 from 6-7pm in the Main Theatre (located in The Paramount at 911 Pine Street in Seattle).
Consumer Booths
This year marks Ubisoft's largest PAX presence to date, and the company will showcase its titles across four unique booths, all located conveniently next to each other at spaces: 632, 622, 612, and 832. Ubisoft will feature hands-on demonstrations and special presentations of casual, high-definition, and online titles that build upon many of the company's best-selling franchises, including:
· Assassin's Creed Revelations
· From Dust™
· Just Dance® 3
· Might & Magic® Heroes® VI
· Might & Magic Heroes Kingdoms™
· Rayman® Origins
· Rocksmith™
· Shoot Many Robots™
· Tom Clancy's Ghost Recon® Online
· Tom Clancy's Ghost Recon Future Soldier™
· TrackMania™2 Canyon
Pre-Order Incentives
In addition to the playable titles at each booth, Ubisoft also announced a number of incentives for fans that pre-order some of Ubisoft's biggest upcoming titles at the show. The following special pre-order items will be made available to conference attendees:
· Tom Clancy's Ghost Recon Future Soldier: Exclusive PAX gun skin
· Assassin's Creed Revelations: Altair avatar
· Just Dance 3: Neon watch
· Rayman Origins: Rayman T-shirt
· Rocksmith: Exclusive guitar strap
In addition to pre-order incentives, fans can expect special prizes and giveaways spanning across Ubisoft's major titles throughout the show.
Assassin's Creed Panel
Main Theatre (Paramount at 911 Pine Street)
Friday, August 26 from 6-7pm
Conference attendees can join members of the Assassin's Creed Revelations development team for a live on-stage demo of the thrilling fourth instalment in the critically acclaimed entertainment franchise. Fans will be part of the first audience in the nation to see all new gameplay of the single-player campaign, starring the wiser and ever more lethal master assassin Ezio Auditore, as he makes his journey to Constantinople. The panel will close with a special guest musical performance of the literal Assassin's Creed Revelations trailer by YouTube celebrity Tobuscus.
Those who cannot attend PAX in person can check out Ubisoft's Twitter account for exclusive updates, behind-the-scenes photos and video from PAX throughout the duration of the event. PAX prize packs will also be given out each day of the show via Twitter for those consumers that are unable to attend PAX. To contribute to Ubisoft's PAX coverage on Twitter, please use the official hash tag "#UbiPax". Ubisoft's official Twitter page is: (http://twitter.com/ubisoft).
Tiffany "CeissaDesiste" Toms
Long time female gamer who has been playing all genres since the Atari 2600 and Commodore 64 days. Freelance Graphic Artist, Web Designer, Beta Tester, and studied one year of Game Design. I play games on PC, PS4, PS3, Wii, Wii U, Nintendo Switch, 3DS, Xbox 360, PSVita, and Android. Freelance Writer, Reviewer, and News Editor/Asst. Director for Anjel Syndicate since the site launched! Part time employee of a major video game retailer.


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Sidharth Malhotra Desire to Play a Sportsman in Biopic
Young and handsome actor Sidharth Malhotra who always been extremely sporty, was actively played basketball and tennis in school and he also played rugby in college. The actor resorts to football very often to stay fit.
Given a chance to be a part of a biopic, the actor said, "There are so many interesting personalities whose stories are untold. Personally I would love to be part of a biopic of a sports person."
Sidharth lately is being very versatile in his choices. Right from playing the boy next door in 'Student of the Year' to a lover out for vengeance in 'Ek Villain'.
In 2015, Sidharth will play a wrestler for the first time in 'Brothers'. He also has Vikramaditya Motwane 'Bhavesh Joshi' as well as Nitya Mehra's film which will go on floors this year.


text: | Reprints October 27, 2011 by Raman Wadhera, MS, S.P. Gulati, MS, Ajay Garg, MS, Anju Ghai, MD, and Sanjay Kumar, MD Abstract When tumor involvement of the frontal sinus occurs, it is usually the result of the direct spread of the mass from the nasal cavity or anterior ethmoid sinuses. Primary frontal sinus tumors are extremely rare. We describe a case of primary adenocarcinoma of the frontal sinus in a 53-year-old man. The patient refused surgery, so he was treated with chemotherapy followed by radiotherapy. At the 1-year follow-up, only a slight reduction of the swelling was noted. Thereafter, he was lost to follow-up. This case represents a typical example of a paranasal cancer extending beyond the bony margins, with a silent onset that simulated benign disease. The best hope for an early diagnosis of such a tumor lies in the greater use of computed tomography to assess chronic rhinosinusitis. ENT Journal provides full text articles to our registered members. Please log in or sign up for a FREE membership to view the full content: REGISTER AS A MEMBER If you are already registered, SIGN IN You may also like to: Sign Up For The Free eNewsletter Printer-friendly version


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Beautiful bespoke cakes and treats designed and created for every occasion:
weddings, birthdays, christenings, anniversaries, parties and events of any celebration.
Your cake will be customised to you and your event, attention to detail is given every step of the way. Right from the initial consultation through to completion, all communication and baking will be personally designed and made by Karen.


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Thomson Reuters Tax & Accounting News
Featuring content from Checkpoint
EU takes aim at multi-billion "carousel" sales tax frauds
Thomson Reuters Tax & Accounting News/
Reuters Tax & Accounting News/
EU takes aim at multi-billion "carousel" sales tax frauds
BRUSSELS (Reuters) – The European Commission wants to implement new measures to counter multi-billion frauds on sales taxes, a top official said on Wednesday, but it may result in more costs and red tape.
Value Added Tax (VAT) frauds cost European Union states almost 170 billion euros ($187 billion)a year in lost revenues, according to Commission data. Nearly a third of this results from scams in sales between EU countries, known as carousel or missing trader frauds.
"This is unacceptable. There is an urgent need to act," Commission Vice President Valdis Dombrovskis told reporters following the EU executive's weekly meeting.
The Commission is considering tackling this illegal activity by changing the way VAT is collected in EU countries, he said.
It has not made any formal proposal yet and any legislative initiative on taxation requires the unanimous backing of all 28 member states, making reforms very difficult.
The reform would not affect EU countries' power to impose their VAT rates on specific products and will maintain the principle that the revenues from VAT will end up in the coffers of the state where the final sale takes place, he added.
Changes would imply that "tax administrations of the member state of origin will collect this tax on behalf of the member state of destination, thus reducing the possibility for VAT frauds," Dombrovskis said.
The most common frauds exploit the fact that exports are VAT-free, so that fictitious companies in the country of import can claim VAT reimbursements without having paid any tax, resulting in a loss of public revenues.
By collecting the tax at the origin, the room for fraud will narrow, the Commission says.
Dombrovskis acknowledged the system would "would imply a high degree of trust and cooperation among tax administrations in the EU" as countries will have to exchange tax profits.
Exporting companies could face higher costs as a result, possibly reducing their desire to operate cross-border, and could oppose the initiative.
"The Commission has to make sure that the new system will not be more burdensome for businesses," said Chas Roy-Chowdhury, head of tax at ACCA, a global accounting body. ($1 = 0.9075 euros)


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The English Mediaeval House
By: Margaret Wood – Preface by Sir Mortimer Wheeler
Bracken Books – 1965
In this book you will find an absorbing study of the evolution of the English house. Filled with Margaret Wood and other workers' meticulous research, the book covers the period of time from the Norman Conquest to 1540. Sixty pages of beautiful and instructive photographs are included as well as 150 plans and drawings that can only enhance such a wonderful book. This is the first major book on medieval domestic architecture for over a hundred years and is definitely worthy of its great subject!


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- The report contains detailed information about International Bancshares Corp. that gives an unrivalled in-depth knowledge about internal business-environment of the company: data about the owners, senior executives, locations, subsidiaries, markets, products, and company history.
- Another part of the report is a SWOT-analysis carried out for International Bancshares Corp.. It involves specifying the objective of the company's business and identifies the different factors that are favorable and unfavorable to achieving that objective. SWOT-analysis helps to understand company's strengths, weaknesses, opportunities, and possible threats against it.
- The International Bancshares Corp. financial analysis covers the income statement and ratio trend-charts with balance sheets and cash flows presented on an annual and quarterly basis. The report outlines the main financial ratios pertaining to profitability, margin analysis, asset turnover, credit ratios, and company's long-term solvency. This sort of company's information will assist and strengthen your company's decision-making processes.
- In the part that describes International Bancshares Corp. competitors and the industry in whole, the information about company's financial ratios is compared to those of its competitors and to the industry. The unique analysis of the market and company's competitors along with detailed information about the internal and external factors affecting the relevant industry will help to manage your business environment. Your company's business and sales activities will be boosted by gaining an insight into your competitors' businesses.
- Also the report provides relevant news, an analysis of PR-activity, and stock price movements. The latter are correlated with pertinent news and press releases, and annual and quarterly forecasts are given by a variety of experts and market research firms. Such information creates your awareness about principal trends of International Bancshares Corp. business.
About International Bancshares Corp.
International Bancshares Corporation, a financial holding company, provides commercial and retail banking services in south, central, and southeast Texas, including Austin and Houston, and the state of Oklahoma. The company operates through 280 main banking and branch facilities located in 104 communities.
The companys primary bank subsidiary is International Bank of Commerce, Laredo (IBC). Its other bank subsidiaries include Commerce Bank; International Bank of Commerce, Brownsville; and International Bank of Commerce, Zapata. It also has direct non-banking subsidiaries, including IBC Life Insurance Company, which reinsures a small percentage of credit life and accident and health risks related to loans made by bank subsidiaries; IBC Subsidiary Corporation, a second-tier bank holding company incorporated in the State of Delaware; and IBC Capital Corporation, a company incorporated in the State of Delaware for the purpose of holding certain investments of it. It owns a 50 percent interest in Gulfstar Group I, Ltd. and related entities, which are involved in investment banking activities. It also owns a controlling interest in three merchant banking entities.
The company's subsidiaries are in the business of gathering funds from various sources and investing these funds to earn a return. Funds gathering primarily take the form of accepting demand, savings, and time deposits from individuals, partnerships, corporations, and public entities. Investments principally are made in loans to various individuals and entities, as well as in debt securities of the U.S. government and various other entities whose payments are guaranteed by the U.S. government. It also engages in the making of commercial, financial, agricultural, real estate, personal, home improvement, automobile, and other installment and term loans.
The companys subsidiaries are primarily focused on providing commercial banking services to small and medium sized businesses located in their trade areas and international banking services. Its subsidiaries also emphasize on consumer and retail banking, including mortgage lending, as well as branches situated in retail locations and shopping malls.
The companys subsidiaries are also active in facilitating international trade along the United States border with Mexico and elsewhere. The international banking business of it includes providing letters of credit, making commercial and industrial loans, and providing a nominal amount of currency exchange. Each bank subsidiary also offers other related services, such as credit cards, travelers checks, safety deposit, collection, notary public, escrow, drive-up and walk-up facilities, and other customary banking services. Additionally, each bank subsidiary makes available certain securities products through third party providers.
The company's subsidiaries also make banking services available during traditional and nontraditional banking hours through their network of approximately 435 automated teller machines, and through their branches situated in retail locations and shopping malls. Additionally, it introduced IBC Bank Online, an Internet banking product to provide customers online access to banking information and services.
Investment Portfolio
As of December 31, 2009, the companys investment portfolio included U.S. treasury securities; residential mortgage-backed securities; obligations of states and political subdivisions; equity securities; and other securities.
International Bancshares Corporation was founded in 1966.
The above Company Fundamental Report is a half-ready report and contents are subject to change.
It means that we have all necessary data in our database to prepare the report but need 2-3 days to complete it. During this time we are also updating the report with respect to the current moment. So, you can get all the most recent data available for the same price. Please note that preparation of additional types of analyses requires extra time.
1.1. Key facts
1.2. Financial Performance
1.3. Key Executives
1.4. Ownership and Major Holders
1.5. Company History
2.1. Business Description
2.2. Major Products and Services
2.3. Markets and Sales Activities
2.4. Locations, Subsidiaries, Operating Units
3.1. Overview
3.2. Strengths
3.3. Weaknesses
3.4. Opportunities
3.5. Threats
4.1. Financial Statements
4.1.1. Income Statement
4.1.2. Balance Sheet
4.1.3. Cash Flow
4.2. Financial Ratios
4.2.1. Profitability
4.2.2. Margin Analysis
4.2.3. Asset Turnover
4.2.4. Credit Ratios
4.2.5. Long-Term Solvency
4.2.6. Growth Over Prior Year
4.2.7. Financial Ratios Charts
4.3. Stock Market Snapshot
5.1. International Bancshares Corp. Direct Competitors
5.2. Comparison of International Bancshares Corp. and Direct Competitors Financial Ratios
5.3. Comparison of International Bancshares Corp. and Direct Competitors Stock Charts
5.4. International Bancshares Corp. Industry Analysis
5.4.1. Banks and Thrifts Industry Snapshot
5.4.2. International Bancshares Corp. Industry Position Analysis
6.1. News & PR Activity Analysis
6.2. IR Corporate News
6.3. Marketing News
6.4. Corporate Events
7.1. Experts Opinion
7.2. Experts Estimates
9.1. Political Factors
9.2. Economic Factors
9.3. Social Factors
9.4. Technological Factors
9.5. Environmental Factors
9.6. Legal Factors
10.1. Internal Factor Evaluation Matrix
10.2. External Factor Evaluation Matrix
10.3. Internal External Matrix
International Bancshares Corp. Key Facts
Management Effectiveness
Income Statement Key Figures
Balance Sheet Key Figures
Cash Flow Statement Key Figures
Financial Performance Abbreviation Guide
International Bancshares Corp. Key Executives
Key Executives Biographies1
Key Executives Compensations1
International Bancshares Corp. Major Shareholders
International Bancshares Corp. History
International Bancshares Corp. Products
Revenues by Segment
Revenues by Region
International Bancshares Corp. Offices and Representations
International Bancshares Corp. SWOT Analysis
Yearly Income Statement Including Trends
Income Statement Latest 4 Quarters Including Trends
Yearly Balance Sheet Including Trends
Balance Sheet Latest 4 Quarters Including Trends
Yearly Cash Flow Including Trends
Cash Flow Latest 4 Quarters Including Trends
International Bancshares Corp. Profitability Ratios
Margin Analysis Ratios
Asset Turnover Ratios
Credit Ratios
Long-Term Solvency Ratios
Financial Ratios Growth Over Prior Year
International Bancshares Corp. Capital Market Snapshot
International Bancshares Corp. Direct Competitors Key Facts
Direct Competitors Profitability Ratios
Direct Competitors Margin Analysis Ratios
Direct Competitors Asset Turnover Ratios
Direct Competitors Credit Ratios
Direct Competitors Long-Term Solvency Ratios
Banks and Thrifts Industry Statistics
International Bancshares Corp. Industry Position
Company vs. Industry Income Statement Analysis
Company vs. Industry Balance Sheet Analysis
Company vs. Industry Cash Flow Analysis
Company vs. Industry Ratios Comparison
International Bancshares Corp. Consensus Recommendations1
Analyst Recommendation Summary1
Price Target Summary1
Experts Recommendation Trends1
Revenue Estimates Analysis1
Earnings Estimates Analysis1
Historical Surprises1
Revenue Estimates Trend1
Earnings Estimates Trend1
Revenue Revisions1
International Bancshares Corp. Annual Revenues in Comparison with Cost of Goods Sold and Gross Profit
Profit Margin Chart
Operating Margin Chart
Return on Equity (ROE) Chart
Return on Assets (ROA) Chart
Debt to Equity Chart
Current Ratio Chart
International Bancshares Corp. 1-year Stock Charts
International Bancshares Corp. 5-year Stock Charts
International Bancshares Corp. vs. Main Indexes 1-year Stock Chart
International Bancshares Corp. vs. Direct Competitors 1-year Stock Charts
International Bancshares Corp. Article Density Chart
1 – Data availability depends on company's security policy.
2 – These sections are available only when you purchase a report with appropriate additional types of analyses.
The complete financial data is available for publicly traded companies.
SWOT Analysis
SWOT, which stands for Strengths, Weaknesses, Opportunities and Threats, is an analytical framework that identifies the internal and external factors that are favorable and unfavorable for a company.
Enhanced SWOT Analysis
Enhanced SWOT is a 3×3 grid that arranges strengths, weaknesses, opportunities and threats into one scheme:
- How to use the strengths to take advantage of the opportunities?
- How to use the strengths to reduce likelihood and impact of the threats?
- How to overcome the weaknesses that obstruct taking advantage of the opportunities?
- How to overcome the weaknesses that can make the threats a reality?
Upon answering these questions a company can develop a project plan to improve its business performance.
PESTEL Analysis
PESTEL (also termed as PESTLE) is an ideal tool to strategically analyze what influence different outside factors – political, economic, sociocultural, technological, environmental and legal – exert on a business to later chart its long term targets.
Being part of the external analysis when carrying out a strategic assessment or performing a market study, PESTEL gives an overview of diverse macro-environmental factors that any company should thoughtfully consider. By perceiving these outside environments, businesses can maximally benefit from the opportunities while minimizing the threats to the organization.
Key Factors Examined by PESTEL Analysis:
- Political – What opportunities and pressures are brought by political bodies and what is the degree of public regulations' impact on the business?
- Economic – What economic policies, trends and structures are expected to affect the organization, what is this influence's degree?
- Sociological – What cultural and societal aspects will work upon the demand for the business's products and operations?
- Technological – What impact do the technological aspects, innovations, incentives and barriers have on the organization?
- Environmental – What environmental and ecological facets, both locally and farther afield, are likely to predetermine the business?
- Legal – What laws and legislation will exert influence on the style the business is carried out?
IFE, EFE, IE Matrices
The Internal Factor Evaluation matrix (IFE matrix) is a strategic management tool helping audit or evaluate major weaknesses and strengths in a business's functional areas. In addition, IFE matrix serves as a basis for identifying and assessing relationships amongst those areas. The IFE matrix is utilised in strategy formulation.
The External Factor Evaluation matrix (EFE matrix) is a tool of strategic management that is typically utilised to assess current market conditions. It is an ideal instrument for visualising and prioritising the threats and opportunities a firm is facing.
The essential difference between the above mentioned matrices lies in the type of factors incorporated in the model; whilst the latter is engaged in internal factors, the former deals exceptionally with external factors – those exposed to social, political, economic, legal, etc. external forces.
Being a continuation of the EFE matrix and IFE matrix models, the Internal External matrix (IE matrix) rests upon an investigation of external and internal business factors integrated into one suggestive model.
Porter Five Forces Analysis
The Porter's five forces analysis studies the industry of operation and helps the company find new sources of competitive advantage. The analysis surveys an industry through five major questions:
- What composes a threat of substitute products and services?
- Is there a threat of new competitors entering the market?
- What is the intensity of competitive rivalry?
- How big is the bargaining power of buyers?
- How significant is the bargaining power of suppliers?
VRIO Analysis
VRIO stands for Value, Rarity, Imitability, Organization. This analysis helps to evaluate all company's resources and capabilities and bring them together into one aggregate table that includes:
- Tangible resources
- Financial
- Physical
- Technological
- Organizational
- Intangible resources
- Human
- Innovation and Creativity
- Reputation
- Organizational capabilities
The result of the analysis gives a clear picture of company's competitive and economic implications, answering the questions if the resources mentioned above are:
- Valuable?
- Rare?
- Costly to imitate?
- Organized properly?


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Left-arm opening bowler Mitchell McClenaghan took four for 20 on debut as New Zealand's bowlers exerted tight control.
McClenaghan took the key wickets of Graeme Smith and de Villiers and followed up with two late wickets.
Part-time off-spinner Kane Williamson took four for 22 as the South African batsmen failed to master some steady bowling on a slow pitch.
Du Plessis made a dogged 57 off 71 balls.
He hit only three boundaries in a South African innings which included only 12 fours and four sixes.
One of the fours and three of the sixes were hit by tailender Rory Kleinveldt, who hit his sixes off four balls from Mills in making all 26 runs in a last wicket stand with Lonwabo Tsotsobe.
Kleinveldt followed up with the wickets of Brendon McCullum and all-rounder Grant Elliott to cap a successful debut in 50-over internationals.
McCullum's decision to send South Africa in to bat paid dividends when the home side's three most experienced batsmen, Smith, Hashim Amla and captain de Villiers were dismissed within the first 12 overs.
Franklin steers New Zealand to one-wicket victory
Left-arm opening bowler Mitchell McClenaghan took four for 20 on debut as New Zealand's bowlers exerted tight control.
It was a heartening result for New Zealand at the start of the three-match series after they lost both Test matches by an innings.
"We came up against an incredible team in the Test matches but we know we can compete in the shorter forms of the game," added McCullum.
South Africa went into the match on top of the one-day rankings but lost their place to India, who beat previous number ones England in Ranchi earlier on Saturday.
"We were not at our best today," said South African captain AB de Villiers.
"We were probably at about 80 percent. New Zealand deserved to win."
McLaren seemed to have won the game for South Africa before Franklin's final flurry of strokes.
He had shared a crucial 59-run sixth wicket partnership with top scorer Faf du Plessis (57) as South Africa were bowled out for 208 after being sent in to bat.
Then McLaren took four for 46. He bowled BJ Watling for 45, trapped Jimmy Neesham two balls later for nought and then broke two late partnerships when he dismissed Nathan McCullum and Mills.
James Franklin batted skillfully with the tail to secure a tense one-wicket upset win for New Zealand in the first one-day international against South Africa at Boland Park on Saturday.
Franklin hit 47 not out as the last three New Zealand wickets added 104 runs in a low-scoring match after South Africa had been bowled out for 208.
He put on 35 for the eighth wicket with Nathan McCullum (24) and 47 for the ninth wicket with Kyle Mills.
When Mills was bowled by Ryan McLaren for 26 there were still 22 runs needed but Franklin successfully farmed the strike before hitting McLaren through the covers for the winning boundary.
"It was incredibly satisfying to come up against the top side in the world, be under pressure and come through," said New Zealand captain Brendon McCullum.
Franklin, whose runs came off 61 balls, added: "We were trying to bat as deep as we could. We know these (lower order) guys are no mugs with the bat."


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Five great dorm room coffee makers and how they work
Can college students live without coffee? Some may say no, others may say yes, with soda and energy drinks, but chances are that most of them looking for a coffee maker for the dorm room right now.
There are lots of coffee makers, coffee machines and other ingenious devices that can be used to brew the magic potion but some of them are better then others when used in a college dorm room.
What makes a great dorm room coffee maker?
A dorm room coffee maker
- is easy to use
- has just the right size pot
- it makes the coffee just as you want it
- brews a fresh cup for your friends
- makes you a cup late at night for studying
- it save you space
- is easy to clean
- gets you through the college years
Questions to ask before buying a coffee maker for dorm room
Questions to ask before buying a coffee maker for dorm room
All coffee makers can make coffee but not all of them a fitted for a dorm room. Before buying one ask yourself several questions:
- How much coffee do you drink? Do you make just one cup and drink it in your dorm? Do you make one to go or do you have more than one coffee during the day? Would then make sense to look for how much coffee can a coffee maker brew at one time without giving up on quality?
- Do you like a fresh cup every time or are you ok to drink coffee that has been brewed several hour before consumption? Do you like a particular coffee or do you like to have a new flavor every time? Would be better to go with a single cup coffee maker versus the traditional 4, 6, or 8, even 12 cup?
- Do you have friends coming over for a ....late night study? Do they drink coffee? Or are you a night owl that study late at night? Maybe you should choose a coffee maker that starts itself and has an automatic shut off timer so you don't have to worry about it.
- What do you prefer: the convenience of a fast coffee or the luxury of a good one? Would you go with a drip that shuts off or would you choose to make that coffee in a press, French or else, or a cold brew system?
- And last, but, maybe, first question to ask yourself, is how much space do you have on your dorm? Can the coffee maker stay on the counter or needs to be stored away after every use? What kind of source of energy do you have access to heat the water? Is there a kitchen or just a countertop on your dorm room for a coffee maker? Or maybe you have a roommate that is bringing one as well.
Types of coffee makers to choose for dorm room
Press coffee maker
A press works by immersing the coffee grounds in hot water. There is the French press, which is most known, or the Aeropress, the younger sister. The difference between them is the position of the coffee grounds in the pot: at the top for the French press and on the bottom, for the AeroPress.
Pros: this is a cheap coffee maker and virtually unbreakable. The French press comes with a metal filter that you never have to replace. The AeroPress comes with a metal or paper filter that can last very long as well.
Both make a very good coffee. You have control over the water temperature, which can result in less acidic coffee. Considering their size, they are a good fit for a college dorm room.
Cons: you have to use plenty of coffee so it is not a money saver. Both devices require a thorough cleaning. They do not make a lot of coffee so it is not recommended to the heavy coffee drinkers.
Dispenser-like coffee maker
This type of coffee maker can brew coffee and store it in an internal pot until you are ready to drink it, having a dispenser that let you fill your cup as much or as less as you want.
There is also a water heater system , with dispenser, that you can use for any kind of hot beverages including soups and teas. this last one will only make coffee if it pour the water over coffee grounds. Or if you use instant coffee.
Pros: it is very easy to use, all you have to do is to fill the water tank, fill the coffee filter with grounds, and push a button. You can control the strength of your drink by adding or subtracting ground coffee.
Cons: you may need to spend some money in paper filters, which it is said that are the best for coffee. Also, these type of devices, especially the very cheap ones, tend to break or stop working frequently and, sometimes, when you need them the most.
It works for college dorm room because is small and relatively cheap.
The typical drip coffee maker
There is nothing more convenient than a regular drip coffee maker, with automatic on and off timer. The drip system works by heating water and, when hot, drop it over coffee grounds that are held on a filter over a pot. The pot also rests on a hot plate so the coffee is staying warm longer.
Pros: It can make up to 12 cups of coffee, if you need it. It is convenient, just pour water, fill the filter with coffee, and set the brewing time. Cleaning is also easy, but for time to time you are prompted to do a descaling.
Cons: if you are not a heavy coffee drinker, but an occasional one, then making a lots of coffee at one time doesn't make sense. Another reason why this coffee maker may not be for your dorm room is that it takes a lot of space in the counter and cannot be stored easily.
One cup coffee maker
This coffee machine works by forcing hot water through a certain amount of coffee, enough for just one cup, and dispense the beverage right into the mug of your choice. The best coffee maker that falls in this category is the Keurig One Cup coffee maker, but there are some other brands that are doing the same thing. The coffee is already pre measured and packaged in a K-cup or a pod.
Pros: it makes a fresh coffee every time, and there are lots of flavours to choose from. It is very easy to clean and doesn't require a lot of maintenance. You can even use your own coffee grounds, packed in a My K- cup , which is a special coffee holder that can be used in the machine.
Cons: it is not a space saver. This coffee maker is rather bulky and may take a lot of space on your dorm room. Also, if you like a strong coffee this machine is not for you. it can make an ok cup, a long Americano but that's it. One cup coffee makers, or single serve coffee machines are pretty expensive but they tend to come with at least one year warranty.
Cold Brew System
These are the main coffee maker system out there. There are others too, not so popular, either because are made for speciality coffee like espresso or because require a lot of work. There is one though that I would recommend considering: Toddy Cold-Brew System, which can provide you with your daily cup even with no source of heat. It works by immersing the coffee grounds in cold water and let them sit for a day before drink it. Toddy is mainly used by people that have stomach problems after drinking coffee.
Pros: it is said that coffee extracted this way is healthier. The whole system can be stored and put away very easily. Doesn't use any source of energy, so it is a green product.
Cons: you have to plan for it otherwise you won't have your cup of coffee when you need it. Also, it has to be thoroughly cleaned to make sure all residues and oils are washed off before the next use.
One other good factor to consider for dorm rooms -- how much noise does the coffeemaker make.
My first cup of coffee was when I went away to college and had to stay up for to study for an exam. Not only did the coffee do its job, but I discovered I really like coffee. I drank it black for many years, but now I enjoy it with a little cream and sugar. I have never heard of the cold brew system. I have to admit that if I had to get my coffee that way, I might miss out on a few cups for not planning in advance. This is a very nice review of the various coffee makers for the dorm room.