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Econsultancy has just published 'Selling online: a how to guide for small businesses', which provides a step by step guide for SMEs.
The report was written by entrepreneur and e-commerce consultant Trevor Ginn, who founded online retailer Hello Baby in 2007.
I've been speaking to Trevor about the report, and his e-commerce tips for small businesses…
Can you tell us about the guide?
Having run Hello Baby for the past two years, I've learned a lot about setting up online shops; online marketing and e-commerce essentials like setting up payments solutions, payments and software selection.
I was keen to write a book on this in the past but have never gotten round to finishing it, so this guide is a good way of using the knowledge that I've picked up to help small businesses selling online. It's relevant to any small business, with or without an online presence.
There are a lot of small businesses out there that don't sell online, or don't do it well, and there is a lack of knowledge out there about the opportunities available.
The aim of this guide is to provide a single point for SMEs to find out about the various areas which they need to know to set up online or improve what they are doing already.
It can take time to acquire the necessary knowledge to set up online, with a lot of digging around to find out, and the aim here is to give them a leg-up.
The idea is not to reproduce existing reports, bit to give a good overview of the issues which affect small businesses. Each section could be expanded into a report of its own, but the idea is that people can read this and find more detail elsewhere if they need to.
What kind of issues do small businesses have with e-commerce?
There are a lot of poor websites that could be improved, or underperforming due to a lack of SEO knowledge – some haven't even gotten to the first step of optimising their websites.
Smaller shops that are struggling because more people are shopping online. There are issues with technical know-how, where people know about retail, but aren't clued up about e-commerce. It can be difficult when there is no one in the organisation that understands it.
What are the easiest wins for SMEs starting to sell online?
Optimising the website, improving the content and building links can be done in-house and can produce valuable results.
Also, depending on the type of business, selling on the eBay and Amazon marketplaces can be very valuable for driving additional sales.
At Hello Baby, we sell more on eBay and Amazon than we do direct from our website. If you have a website, people have to find you, trust you, the website has to be usable. These things are not always easy to achieve.
On eBay and Amazon, these issues are taken care of for you, the user experience is there, and SMEs can piggyback on this and get their products on front of their user base.
It's also a good first step for small businesses that are thinking about selling online.
How can small businesses with little known brands get customers to trust them?
There are a few things that retailers can do, but ultimately trust can only come with experience of using the site.
A good-looking website is important, as users will make judgements based on first impressions, and so is relevant information on returns, delivery and so on should be made clear, and T&Cs clearly displayed. Providing clear contact details is another must.
Also, one way to get around this issue is to use the eBay and Amazon marketplaces, where buyers are covered.
I think you can only get around such concerns by producing a compelling offering for customers that looks good and works well.
It's like going into a business meeting wearing shorts, you don't do it. You have to look presentable for people to take you seriously.
If marketplaces like eBay and Amazon are so effective, is a website even necessary for SMEs?
Yes, a website is really important, I think that people should sell on as many channels as possible to maximise their sales. Retailers should use all the tools in their arsenal. If we didn't sell across multiple channels, our revenue would be much smaller.
Selling on marketplaces is a good way to start online, but it can also drive traffic to your website.
Should smaller etailers offer as many payment methods as possible?
The common wisdom is to use multiple payment methods; PayPal, Google Checkout, credit and debits cards etc.
For us this works. Though the sales through Google Checkout aren't that significant, we take more than half of the payments on our website through PayPal. There is that level of cover for customers which can deal with any concerns about trust.
In my experience, people are keen to use PayPal.
What are the issues around payments solutions that SMEs should be aware of?
With card and other payments, smaller and inexperienced retailers need to realise that it isn't cleared funds, and that these transactions can be reversed.
They need to understand how the system works, the level of cover they have, and whether to accept certain transactions. I've found that the card companies are very bad at explaining this to retailers, providing help with these issues and the best settings for their business.
I've had issues with cards in the past, and I've learned that it's important to understand the circumstances under which you're covered.
Retailers need to get the balance right – if you cancel everything that isn't 100% right, then you risk losing a lot of sales, but there is also the risk of losing money on fraudulent transactions.
You have to come to a decision about whether a transaction is fraudulent or not, and whether you should accept it. I look for things like odd email addresses, or any unusual orders – and will sometimes phone customers up just to get an idea of whether they are genuine or not.
Since 3D Secure was introduced, the levels of fraud have gone down a lot, and it isn't much of a problem for us anymore.
It's important for SMEs to have an idea of how these things work, but in my experience credit card companies are doing very little to help people, and the same applies to PayPal.
For example, PayPal will not cover retailers for transactions where the buyer hasn't registered their address, but there is no way of refusing payments in this instance,
In the case of SagePay, I had to ring up and talk to them to find out the best security settings for my type of business.
What are the challenges around delivery?
There are a range of different delivery options, depending on the size of the retailer, from taking items along to the post office, to saving time by getting a franking machine, right through to automated systems.
For us, this automation is vital, as we need to be selling from a single inventory across a number of channels
If you have a shop and a website, as well as using eBay or other marketplaces, then this is very hard unless you have a decent stock management system.
I find that many systems tend to be stronger for some channels than others, so you need to find the best balance you can at an affordable price.
It's been said that you either get a system and mould your business to it, or make the system fit your business, and the difference is three zeros on the end of the price tag.
How can SMEs market themselves online with a limited budget?
One thing is to get your business noticed by selling on various marketplaces.
SEO is also a way to get traffic in at a relatively low cost. By spending time creating effective content and building links, you can gain valuable traffic.
It's worth investing the time optimising your site for the search engines In my case, I read the Econsultancy SEO guide and spent time doing it myself. It's well worth it, as it's a gift that keeps on giving!
For Hello Baby, the iPhone app we developed for a few hundred pounds has delivered 300-500 visits a day to the website.
There are other ways too; newsletters and emails are all cost effective though I haven't used other things like affiliate marketing thanks to the relatively high set up costs.


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Ways To Get Cash For Your House Fast
When you have to offer your home, there are various ways which you can do it. For you get money for your home quick there are vital advances which you need. For the deal to happen, these means are necessary. A brisk deal for money is guaranteed when you just take after the means well. The means have worked for some since they have been proven. They are the ways you can use for your home to be sold out quickly. Among the means which you have to take after will be examined in this article. Be certain to take after the means correctly.
Depersonalize the home. There is a necessity for you to institutionalize the house. Since you have been living in the house for some time, you may have changed it. When you have to offer the bunk rapidly, you have to dispose of the modifications. You have to remodel some places. If there are any spots on the house that are exhausted, you have to perform repairs on them. This will be useful for expanding the look of the den thus expanded price. For instance, you can paint the house to enhance the outer look. This way, the house will draw in numerous buyers. You can make benefits through this.
Provide the privilege price. You will have the capacity to offer your home for money immediately when you have the privilege price. Experts ought to be enlisted for the way toward making the cost of the house. The specialists can enable you to locate the fitting costs for your house. The organizations which are specialists in this are examination companies. When they give their administrations, they are known to give the evaluations to your house. Engage the administrations of the organizations which are the best in the market. There are numerous organizations which offer the services. When you enlist the organization which are the best, you will have the capacity to get the right sticker prices for your home.
Search for purchasers through adverts. The activity after you have set the correct cost for your home is to discover buyers. There are numerous purchasers that are occupied with moderate houses. They will purchase the house in real money when the sticker price is realistic. To draw in these purchasers, you have to influence them to know your home is available. The deal can be publicized when you put signage before it. When they are passing, they will have the capacity to know. For you to promote your home available to be purchased, you can utilize the web and television. You can likewise approach financial specialist organizations which manage houses for them to buy. When you take after these means, you can fruitful have the capacity to offer the house.
5 Takeaways That I Learned About Resources

subset: commoncrawl


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You may also like27+ Cute Drawings 10+ Best Sketch Drawing Ideas 20+ Tattoo Drawings – Free PSD, AI, EPS Format Download Free …Graffiti Drawings 9+ Art Drawings 19+ Animal Drawings 13+ Smoke Drawing – Free PSD, AI, Vector, EPS Format Download .
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A great idea would be a corridor where someone is holding up a fragment of paper with a mouth drawn on it. The mouth would then enclose a door at the end of the corridor with a man walking away. People with sewn lips are an excellent way to represent the suppressing of voices. Another idea to symbolize the growth of ideas in a wasteland would be to show a single blade of grass pushing up through a trash heap.
This is a fine looking pencil drawing of a married couple on their wedding day. This is a beautiful sketch. The expressions of the couple have been captured beautifully and there is a touch of emotion in this picture.
This is a beautiful pencil sketch of a family picture. You can't tell whether it is a photo or a drawing. This is a realistic picture where the emotions of the subjects have been captured impeccably.
You may also like10+ Pencil Sketches, Art Ideas 31+ Awesome 3D Pencil Drawings for Inspiration Free & Premium …21+ Angel Wings Drawings 27+ Rose Drawing Easy Drawing – 21+ Free PDF, JPG Format Download Free .
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This is a marvellous sketch of a woman in glasses. A lot of attention has been given to the details in this drawing. The shadow of the object makes the whole image come alive and look more like a photograph than an image.
The smudge tool helps to blend the harsh pencil lines. Using a soft brush is recommendable which gives a much smoother finish to existing pencil drawing pictures. Another crucial point is to adjust the levels of the picture to give it the desired light, shadow and depth. Once the cleaning up bit is complete this is followed by the seemingly Sisyphean task of adding details like wrinkles, keen textures, cuts, bruises, scars, veins and other imperfections that would normally exist on your subject.
This is a gorgeous pencil drawing of an Indian singer, Gurdas Maan. The personality of the person has been nicely captured in this sketch. You can download and print this template and have it framed for your house.
You may also like22+ Realistic Smoke Art Photography Designs Free & Premium …Cartoon Sketches, Cartoon Face Sketches Free & Premium …17+ Easy Drawings 23+ Simple Paper Art Designs 9+ Best Drawings, Art Ideas Cute Drawings – 20+ Free PDF, JPG Format Download Free .
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This is a very nice looking coloured pencil drawing on paper. The hair of woman has been given a lot of attention and the details have been sketched wonderfully. The image is faded from the left and that gives the whole picture a nice effect.
rajacenna.com Pencil sketches are quite difficult to do as it is of utmost importance to correctly capture the details in the sketch. This template is of a pencil sketch of Angelina Jolie. This looks more like a photograph than a sketch.
This is a fabulous sketch of a famous Chinese contemporary artist and activist, Ai Weiwei. This is a realistic sketch of the man and his personality has been captured beautifully in this picture.
This is a fabulous pencil sketch of a father and his sweet little daughter. The technique used here is praiseworthy. This image immediately catches your eye because of the presence of an emotional factor.
If you are looking for some great inspiration for pencil drawing lately, below is our list of 44+ Amazingly Awesome pencil Drawings that are sure to serve as a fantastic source of inspiration for you. They are all done by professional & seasoned pencil artists.
This is a very cute pencil sketch of a small child holding a book and smiling in glee. This is a beautiful drawing by the artist. You can download this image and learn sketching or print.
This is an attractive pencil drawing of a woman standing and looking down. The shading done gives a lovely effect to the image. The light has been captured perfectly here. You can either download or print this template.
Graffiti has a certain political impact that no other form of artwork does. It is the chosen form of protest of various peoples around the world, and it also lends a populist flavor to the project it is added to. Since graffiti style is immediately recognizable, and the form demands immense creativity from the artist, graffiti pencil drawings are an excellent choice.
rajacenna.com This gorgeous pencil sketch doesn't look like a sketch at all. This picture looks more like a black and white photograph. The artist has paid a lot of attention to the details like the hair and the eyes.
What catches the eye in this picture is how perfectly the folds on her tee shirt have been captured by the artist. The shading in this picture has been done perfectly and brings the image alive.
The use of a lot of jagged lines, exaggerated characteristics and 3D techniques is prevalent. Thus, names of products or projects in a font that looks like thunder will work well. There is a cartoonish element that should be played up using a lot of pop colours. The caricature style should be played up.
Home / Design Templates / Drawings / 30+ Best Pencil Drawings Pictures
Home / Design Templates / Drawings / 32+ Amazingly Awesome Pencil Drawings
Adding the color to pencil drawing artworks is quite the easy bit with the help of the Color tools in Photoshop and the palette. To enhance the effect of the pencil drawing pictures one must never forget to add layers of multiple colors that might make up the color composition of the subject. The right amount of erasing and highlighting will bring about the desired effects while creating digital pencil sketches on Adobe Photoshop and likely editing software programs.
rajacenna.com This template consists of a stunning pencil drawing of the famous singer and songwriter, Justin Bieber. The attention paid to the details on his hair is praiseworthy. You can download or print this template.
New love could be shown as a heart shedding it's outer skin to bring forth new love underneath. Rebellious imagery is also popular in this type of artwork, and blackwork is a very interesting and unexplored field to stray into. Blackwork where the white provides aesthetic relief makes a huge impact and is also memorable, perfect for any marketing campaign.
Home / Design Templates / Drawings / 35+ Best Graffiti Pencil Drawings & Sketches for your Inspiration
Are you fascinated by pencil drawings? Well, colored portraits are definitely vibrant but the pencil sketches seem to have a distinct appeal of their own with the subtle black & white mood. When you want to add depth to your art work, photorealistic pencil drawings assure most stunning illustrations. Whether you are looking to draw a portrait or a landscape, pencil drawing would be a brilliant idea.
rajacenna.com This is a beautiful pencil drawing of the famous singer, Taylor Swift. The drawing looks very realistic and the flower really catches the eye of the viewer. This template can be downloaded and printed for your use.
Pencil drawing pictures are the in thing in the world of digital art at the moment and scenarios state that the trend is here to stay a while. The easiest way to begin a pencil drawing is to completely trust your Photoshop software. One can simply start off with a pencil drawing on the Adobe Photoshop software and the Smudge tool. This is one of the most useful as well as important tools which opens up the land of opportunities for creating the most mesmerizing pencil drawing pictures.


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standards in mathematics, science, reading and
writing. The test results provide an indication
of student achievement in reading, writing,
math and science as the students move from
the third through the 10th grades.
The Colorado Department of Education
(CDE) is required to report CSAP results for
the state and for each local school district. In
order to maintain accreditation, schools must
meet minimum CSAP standards. Refer to
the SchoolView Portal or to the CDE website
at www.cde.state.co.us for more information
on testing. See the Public Schools for a listing
of Denver area public school districts.
Colorado students excel in standard college
entrance exams such as the American
College Test (ACT) and the Scholastic
Aptitude Test (SAT). Colorado colleges and
universities use the ACT for the primary
college entrance exam and it is required for
all 11th grade students.
In 2013, the average ACT score for Colorado students' was 20. 4 (the national
average was 20. 9). This disparity is most
certainly related to Colorado's universal
testing requirement. Colorado is one of
only three states that require all students—
regardless of whether or not they plan to go
to college—to take the ACT.
Of the nearly 7,500 Colorado high school
students who took the SAT in 2016, the average
composite score was 944 and the national
average is 972. Colorado students consistently
rank in the top 25 percent of the country for the
highest ACT and SAT scores per 1,000 high
school graduates.
Denver history of higher education goes backa long way, and some of the oldest univer-sities in the western part of the country callDenver home. Consider the University ofDenver. Established in 1864, it is the oldestindependent university in the Rocky Moun-tain region. A number of other universities inthe metro area were established as far back asthe 19th century, including: Colorado StateUniversity (1870); Colorado School of MinesIt speaks to Colorado's appreciation for highereducation that approximately 153, 100 studentsare currently enrolled in four-year educationalprograms throughout the region. Additionally,Denver is home to 12 four-year public andprivate colleges and universities. Five commu-nity colleges in the area have more than 20campuses. Practical training is addressed atthe area's more than 300 vocational and tech-nical schools, which provide a large networkof workforce training and educational servicesto meet the training and employment needs ofboth students and area businesses.
There are also several smaller colleges
and technical and vocational schools with
specialized programs. The Auraria Higher
Education Center, located in the heart of
downtown Denver, for example, has the
largest concentration of students in metro
Denver. The 127-acre campus shared by the
University of Colorado Denver, Metropolitan
State College, and the Community College of
Denver serve more than 58,000 students.
The contribution of Colorado's universities
to the academic research community cannot
be overstated. In fiscal year 2013 Colorado's universities received millions of dollars
in research grants. The University of Colorado at Boulder received $351.9 million; the
University of Colorado Denver received $19.1
million; The University of Colorado Anschutz
Medical Campus received an astonishing
$395.2 million; the University of Colorado at
Colorado Springs was awarded $7.8 million;
and The Colorado School of Mines received
a $10 million research grant award from the
Alpha Foundation for the Improvement of
Mine Safety and Health. For more information, see the Higher Education listings.
Denver prioritizes educational choice. No
matter what your educational preferences or
goals, Denver has a comprehensive offering of
outstanding public schools, specialized private
schools, alternative education opportunities
and a vast selection of higher education, technical and vocational options. Ready to learn?
Highlands Ranch, CO303.325.8175CherryHillsChristian.orgPreSchool | Elementary School | Middle School• Average class size 20 (K- 5);19 ( 6-8 core classes)
• Integrated Biblical education• Over 60% of teaching staffhold advanced degrees• Student readiness for theirnext level• Dual accreditation throughAdvancEd and ACSI• Classroom technology,including one to one iPad• Apple Distinguished SchoolNow Enrolling for the2017-2018 school year!Visit us online, or in personat one of our Open HousesEducating the Whole ChildHeart, Soul, Mind, Strength


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If you want to purchase Bitcoin as an investment and you want to join the BitClub Network Company, so that BitClub can mine Bitcoin and other Crypto Currency on your behalf to grow a stable and increasing investment for you, please Join BitClub Here For Free. Once you join, you will be set up with a free lead account and receive follow up emails detailing how you can create a Bitcoin investment account with The BitClub Network. For any answers to questions Contact Clyde Thorburn Here.
Author : Crypto Income Staff 9 January 2018
Most of the cryptocurrency exchanges out there are what can be described as coin-to-coin trading platforms. Investors need to be aware of this reality, because such platforms have serious limitations, and can be more expensive than alternatives. A coin-to-coin exchange only accepts payments in cryptocurrency, usually Bitcoin, or specific fiat currencies like the U.S. Dollar. Such a venue will only pay out in cryptocurrency, almost always Bitcoin, or major fiat currencies like Euros and Dollars. To make life more difficult, many coin-to-coin exchanges will not accept credit or debit card payments or bank transfers. This can be a real problem for average people because they may not be able to access funds right away. Users can also lose money at coin-to-coin exchanges, because they may incur fees from selling altcoins, or converting them to fiat currencies. Advantages to coin-to-coin cryptocurrency exchanges. Coin-to-coin exchanges are very popular because they offer some serious advantages despite their limitations. Many traders find that these advantages will outweigh the shortages of coin-to-coin trading platforms. The biggest advantage to coin-to-coin altcoin exchanges is a greater level of privacy. You will not have to provide banking details, credit or debit card numbers, your address, your location, or your actual identity to trade on them.
This can make you harder to track, and add a layer of security. Other advantages include less bureaucracy and regulation which means coin-to-coin exchanges can be faster and easier to use. It can often take you a couple of days to set up an account at a commercial exchange. Many coin-to-coin platforms will let you open an account and start trading in a few seconds. Coin-to-coin exchanges are also decentralized so it will be harder for people to track your transactions in them. Theoretically, decentralized exchanges are supposed to be less vulnerable to cyberattacks – because there is no centralized system for the bad guys to target. DANGERS AT COIN-TO-COIN TRADING PLATFORMS. Coin-to-coin exchanges often come with a much higher level of risk than centralized trading platforms. Such exchanges can be amateurish and poorly organized which can make them vulnerable to hack. A related danger is that there is often little or no customer service and nobody to complain to if something goes wrong. There might be nobody available to fix a problem or plug a security hole, as there can be at a well-run centralized exchange. Customer service at some coin-to-coin exchanges consists of an email that somebody is supposed to check. A greater risk is that accounts at coin-to-coin solutions might not be insured. That means if money is lost or stolen it is gone forever.
A final risk is entanglements with regulators or tax collectors. Despite the claims of coin-to-coin platform operators, it is entirely possible that governments can track transactions on such platforms. That means accountholders might find their accounts blocked at some point. COIN-TO-COIN EXCHANGES ARE NOT FOR EVERYBODY. The bottom line here is that coin-to-coin exchanges are not for everybody. If you cannot afford to lose your investment, you should not put it into a coin-to-coin platform. Yet for persons with extra money, a coin-to-coin platform can be a great alternative. Those who understand their limitations can make money through these mechanisms. There are a number of excellent Coin-to-Coin trading solutions out there. Below is an examination of some of them. BITTEREX. Bitterex at https://bittrex.com/ is a popular USA-based platform aimed at serious traders. The big advantage to Bitterex is that you can trade a wide variety of altcoins through it including some very obscure ones – such as Gridcoin, Cannabis Coin, and Gambit. The platform claims to offer trading in more than 190 cryptocurrencies. Serious traders will like Bitterex because it offers a wide variety of markets and numerous currency pairs. It also offers Forex-type trading involving the U.S. Dollar and many cryptocurrencies.
Read more about Bitcoin and The BitClub Network.
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Dominican hosted a national conference, "El Futuro is Here!," from July 31 to August 2 that drew more than 150 participants from 41 primarily Catholic institutions across the country. The conference focused on the impact that Latinx students are having on campus ministries, theologic pedagogies and the Catholic Church.
According to co-organizer John DeCostanza, director of university ministry, one of the most important parts of the conference was that it reinforced for campus ministries and theological educators that Latinos are the promise of the future for the Catholic Church and that church leaders and Catholic universities need to embrace that now--they can't wait.
"The conference was an exploration of the daily lived experience of Latinos, from a variety of different perspectives," DeCostanza said. "Meeting Latinx students where they are requires fresh, creative approaches to ministry and theological education. We must transform our campus ministries and classrooms into places of encounter and accompaniment that lead the Church and the academy into a future full of promise."
Keynote addresses by Hosffman Ospino, associate professor of theology and religious education at Boston College, and Carmen Nanko-Fernandez, professor of Hispanic theology and ministry at Catholic Theological Union, were supplemented by an excursion into Chicago's Pilsen neighborhood to explore the art, life and culture of a particular Latino community.
Ospino credited Dominican University with taking the lead on this important conversation. "I look forward to the next steps that are going to help us imagine not only a better future but also responding more effectively to the present in which we live," he said.
You can watch a video about the conference here.
You can also read articles about the conference in the Chicago Catholic and the Wednesday Journal.


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It's an unusual orchestra, one that has played in London, Madrid, Moscow and Jerusalem. Its next stops are New York, Washington and Chicago.
The Tap Tap, created 18 years ago to give students at a renowned school for the disabled in Prague an extracurricular activity, has become a major musical operation that has drawn millions of fans.
You can't tell from its professional, typically rhythmic sound that many of the musicians are in wheelchairs with serious disabilities. Band leader Simon Ornest believes that often the disabled aren't challenged enough and people tend to be too solicitous of them.
"My goal from the very start was not to do it as a therapy but as a band with everything that it could involve," Ornest said. "(Those) around 18 to 20 years old are confronted in our band for the first time with a situation where we really want something from them. We insist on it."
In the beginning, The Tap Tap started with cover versions of their favorite songs. Today it produces music of its own, with help from local musicians, and lyrics that target the world of the disabled.
Their recent hit, "The Bus Director" is about a bus driver who prevents a disabled man from boarding the bus with his bicycle. The song has had over 6.9 million views on YouTube.
Today, the 20-member ensemble plays about 60 concerts a year and has been preforming a musical at the National Theatre in Prague.
The orchestra's next project for next year is to perform in Czech prisons together with inmates in concerts that will be broadcast live by Czech public television.


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The Board of Management requests it's resident industrialists to avoid rundown dhabbas and food-points within the estate. The above are being removed on a timely basis as the Board works relentlessly towards providing high-quality food areas for it's resident industrialists and our community of workers.
For more information, contact Public Relations Office at the Board of Management SIE.


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MOUNTAINSIDE, NJ - Gabrielle Klausner, a rising senior at Scotch-Plains Fanwood High School, organized a book drive and collected over 200 new books to donate to Children's Specialized Hospital in Mountainside to start a new library in the long term care unit.
Klausner visits the long term care unit, which is home to 46 children, to read stories with the children followed by a craft or game. She is passionate about reading and enjoys sharing her love for stories with others. "I am excited about this opportunity to make a positive impact through books. I love spending time with the kids and was feeling inspired to make a difference in my community by sharing my passion with others," she said.
She collected donations through word of mouth with family and friends. Additionally, Klausner reached out to publishing company Houghton Mifflin Harcourt and they generously donated new books.
"We are so fortunate to have volunteers like Gabrielle who go above and beyond for our patients and families," said Megan Granozio, Director of Marketing and Public Relations of Children's Specialized Hospital. "The dedication she has displayed to the children we serve is inspiring and we're grateful for all she is doing to ensure our patients reach their full potential."
Klausner started a club at Scotch Plains-Fanwood HS called Beyond The Book Club, where they visit the YMCA after-school programs and read books to the students. "I used the basis for my Club as inspiration to start up this new program," said Klausner. "Each week, we pick out some type of theme, for instance 'Under the Sea,' and then read a few stories that go along with it. Then after we do a craft or activity that relates to the book."
"It has been incredible seeing my ideas come to fruition and to be able to share something that I am so passionate about with others," said Klausner. "I love being able to make meaningful connections with the kids, and getting to interact with them and see them smile. I love having the interactions with the kids and seeing their eyes light up or a smile during our reading sessions."
As a rising senior and college around the corner, Klausner is interested in pursuing a career in Psychology or Occupational Therapy, related to children. "I have always enjoyed working with people and getting to form real relationships. I think Psychology or Occupational Therapy would give me the chance to connect and help a lot of people," she said.
A GoFundMe page has been set up for monetary donations for the project. The money will go towards new book selections or craft supplies. "We are looking for elementary level (K-2) picture books with great illustrations," said Klausner.


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So, you want to make ramen broth again?
I still haven't cooked my way through the first third of the cookbook and I'm already returning to my favourite recipes. When I found out that one of Mike's friends was a ramen addict, I knew that I had to make her my Momofuku ramen. Any reason to make ramen is a good one and I actually have one: she's heading out on a month-long trip all over Asia. A night of beers and noodle goodness will be the perfect send-off.
This time around I'm doing things a little differently and I think the result is going to be mind-blowing. A quick run down of the differences: pork neck bones vs. economy pork bones, chicken drumsticks vs. chicken legs and breast, sliced supermarket bacon vs. slab bacon, broken down cooking time vs. continuous cooking time.
According to Chang, the best choice for meaty pork bones are hard-to-find neck bones. They were pretty hard to find too because the last time I went to T&T the only pork bones they had were "economy pork bones." This time around there weren't any economy pork bones. They didn't have any bones out and were in the middle of cleaning their case.
I perused the empty case for a while, reading signs when I spied one for neck bones. Awesome! The butcher had to go to the back and open a new box for me (who knew that neck bones came in boxes?) When he pulled a 5lb piece out to show me I was a little taken aback. The neck bones were huge. "Uh, can you cut it up for me?" I asked. I was rewarded with a "No duh, little girl" look of contempt. Oh well!
He was a pretty helpful butcher, picking out a nice piece of boneless belly, a sizable chunk of pork shoulder and 4 pounds of chicken drumsticks. The recipe calls for 4 pounds of chicken legs, but the chicken legs were pricey and the drumsticks were cheap so I figured I'd sacrifice some thighs.
Another sacrifice I made was the slab bacon I used the first time I made ramen broth. The recipe doesn't specify slab or sliced, just smoky bacon. As far as I can tell from the small photo, it looks like Noodle Bar uses slab bacon, but this time I went for sliced. It's cheaper and it's called "smoky bacon" so it'll be an interesting substitution.
This time around there will be some experimenting with the cooking time. I could sit at home for 8 plus hours waiting for my ramen broth, but instead I'm going to boil it in batches over 2 days.
Will these changes yield the same broth as my last attempt? I hope I don't end up with a watery, meaty mess!


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A million tickets go on sale today for Glasgow's Commonwealth Games.
Olympic silver medal-winning swimmer Michael Jamieson will mark the launch by diving into the refurbished pool at Glasgow's Tollcross International Swimming Centre.
The Official Ticketing Guide for the Games was launched last month by Britain's most successful Olympian, Sir Chris Hoy.
Jamieson, 25, who was born in the city and trained at Tollcross as a boy, said: 'The difference between watching a big multi-sport event on television or actually being there and experiencing it is huge.
'No matter which sport you get tickets for, you will be enthralled, excited and entertained.'
Adult ticket prices start at £15 and two-thirds of them are less than £25.
For the first time at a Commonwealth Games, there will be half price concessions for under-16s.
They must be received by 6pm on Monday, September 16.
Meanwhile, Glasgow has been hailed as 'more than ready' to host the Games.
The comment came from the secretary general of the association of nations, Kamalesh Sharma, during a visit to the city.
He said: 'I think the thinking and the action are very encouraging.'


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If you are a woman and you are in your reproductive years, you carry the risk of developing fibroids sometime in your life before the menopause. Fibroids symptoms are often uncomfortable and even painful. Conventional treatment is not always a satisfactory option and because of this, many women want to discover how to reduce the symptoms of fibroids at home.
When a dog, or any pet for that matter, starts to have accidents in the house it is not something that can simply be swept under the rug. Some type of action has to be taken, whether it is a trip to the vet, designing a home remedy plan, or implementing a natural supplement that is capable of curing a wide range of dogs incontinence causes.
An overactive bladder is a common complaint for pregnant women and men with enlarged prostates. Nearly 30 million people in the United States complain of incontinence. The problem is prevalent, yet can still be embarrassing. Even minor leaking can stop you dead in your tracks.
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Jim Lawton, senior vice president and general manager of supply management solutions at the Dun & Bradstreet Corp. (D&B), recalls a conversation in which he told a client's chief procurement officer that a supplier of the client company had been slapped with an EPA violation for mismanaging radioactive material.
The chief procurement officer promptly left the room.
"He got up from the table and said, 'Look Jim, I'm very interested in continuing this conversation -- I'll reach out to you to do it right away -- but I have to go,'" Lawton explains. "That information was that critical to him, and he had no idea it was there."
Experts say the increasing globalization and complexity of supply chains has put too many manufacturing executives in similar shoes -- out of the loop when it comes to important financial, performance, legal and compliance information on their suppliers.
"We work with a lot of companies that find out about [supplier] bankruptcies months after they happen," Lawton says. "Or they learn about them, but not in time to be able to continue to make sure they have parts coming into their facilities, and then all of a sudden they're not able to build the product that they need to ship to their customers."
Lawton notes that the collapse of the economy has precipitated supplier bankruptcies "in traditionally strong companies in all kinds of industries where you weren't expecting them," serving as a wake-up call to the importance of having real-time insight into the potential risks posed by suppliers.
"One of the lessons learned was that we often do a very good job of looking at the creditworthiness of our customers and their ability to pay us, but we don't do as good a job looking at the financial wherewithal of our suppliers," says Tom Murphy, executive vice president of manufacturing and wholesale distribution for the professional services firm RSM McGladrey Inc. "It's a very, very difficult lesson to learn."
Still, it's a lesson that manufacturers seem to be taking to heart. Lawton estimates that at least one-third of his clients now are taking steps to improve their supply chain visibility, compared with fewer than 5% of his clients two years ago. Tim Hanley, vice chairman and leader of Deloitte & Touche LLP's U.S. Process & Industrial Products group, says "no one I'm working with isn't having a fresh look at their supply chain."
"One of the things we're really seeing our clients do now is take on a more heightened focus on understanding all the risks in their supply chains," Hanley says.
Those risks have been increasing over the past decade, due to manufacturers' "relentless focus" on reducing costs in their supply chains, according to Josh Green, CEO of Panjiva, a New York City-based provider of business intelligence for global manufacturers.
"Companies, by and large, pay too much attention to the costs and not enough attention to the risks," Green says, adding that many companies were "shocked" to discover just how vulnerable their suppliers were when the recession hit. "And so when the economic downturn did hit, very few companies had invested in and developed a robust risk management infrastructure that would have given them an early warning."
While Green believes that companies are learning about the importance of supply chain visibility from the recession, he worries that they might be learning "the wrong lesson."
"I think there is a danger that [companies] are going to say, 'Ah! We get it! There's risk, and the risk is that suppliers will go out of business,'" Green says. "The reality is that risk is real, and it's exacerbated in an economic downturn, but there are actually quite a few risks."
In addition to the risk of supplier viability, manufacturers need visibility into the risks that suppliers pose to their brands -- a risk that Green places under the rubric of "social responsibility."
Manufacturers also need insight into the safety risks posed by suppliers -- an issue that has been in the headlines in recent years with the recalls of a number of Chinese products due to safety and health concerns.
Another type of risk -- "capacity risk," or the risk that suppliers will not be able to meet demand -- likely will become more acute as the economy recovers and demand rebounds, according to Green. Exacerbating capacity risk is the fact that many manufacturers have been focusing on reducing inventory during the recession, D&B's Lawton points out.
"When there's any kind of issue with a supplier, I used to have a whole bunch of inventory between me and the problem that would allow me to continue to ship to customers, and now I don't," Lawton says. "So now I need knowledge more quickly, and if I can make it more proactive and predictive, tell me the companies that I'm likely to have problems with."
A Single Global View
Lawton's conversation with the chief procurement officer mentioned at the beginning of this article illustrates the fundamental challenge facing many of the companies that come to D&B for help: How to sift through information on perhaps tens of thousands of suppliers to spot potential problems -- "before they give me a whole lot of grief," as Lawton puts it.
Lawton adds that implementing a supplier watch program, which may focus on a manufacturer's top 100 suppliers, isn't necessarily the answer, as "we run into a lot of companies that keep getting nailed by the supplier that's 150 or 500 on the list." And supply chain executives, who are tasked with doing "more with less" these days, can't just throw more bodies at the problem.
"If I have 75,000, 150,000, 200,000 suppliers and 200 people managing those suppliers, I can't have them spending a lot of time with any one of them," Lawton says. "So I really need a way to zoom in on the ones where the big problems are, know about those problems as early as I can so I can buy myself the lead time to engage with them, understand what the issues are, decide if I need to take some kind of mitigating strategy to protect myself against the risk and then execute on that strategy."
When building a supply chain visibility system, it's wise to start with baby steps, Lawton says.
"We typically recommend that you start with what you can do today and then grow that over time, because our experience is when you try to do these massive transformations, they have a much higher likelihood of failure," he explains.
For many companies, a logical starting point is to establish "a single global view of everybody I do business with," or a dashboard, that helps them understand the "interdependencies" of their suppliers, Lawton says.
"There's a particular company I'm thinking of that has 72 different ERP systems," Lawton says. " They don't have a single view of all of those companies that ties together all of the interrelationships in terms of this company is partially owned by this company, and so risk in one is potentially setting up risk in the other."
To form "a more complete view" of their suppliers, Lawton advises supplementing the available internal information with external information such as: suppliers' current financial conditions, on-time deliver histories and other performance information; OSHA or EPA violations; pending lawsuits, liens or criminal charges; and whether a supplier is named in the U.S. government's Excluded Parties List System or the Office of Foreign Assets Control's list of companies run by suspected terrorists.
Panjiva's Green asserts that the value of a dashboard is relative to the quality of the data being fed into it. That's why he cautions against "relying too heavily on one data source" -- such as credit reports -- and suggests considering the insights of "your team on the ground that's interacting with these suppliers" as another potential data source to add to the mix.
"If I'm getting three data points about a single company that are all telling the same story, I can be much more confident that I'm getting the right answer than if I'm just getting it from one data source," Green says.
One final note: RSM McGladrey's Murphy points out that supply chain executives suffering from a "10-year hangover from Y2K" should not be gun-shy about investing in software or hardware to improve visibility, as the technology available today "is significantly better than what we may have looked at in the past." Lawton agrees, noting that many companies are opting for Web-based systems via the software-as-a-service model, which offers the advantage of rapid implementation.
"Especially over the last year, because time has been such a concern, one of the first questions we get asked is, 'How quickly can I get this in place?'" Lawton says. "And the answer is, 'As soon as you can get us a list of your suppliers, we can turn on the system tomorrow.'"
See Also


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Phone: 04 3338850
Fax: 043338969
Email: Data not provided
Website: Data not provided
Description - AERO FREIGHT EMIRATES Sea Cargo Services Dubai
Our company AERO FREIGHT (EMIRATES) L.L.C belongs to category Sea Cargo Services, located in the city of Dubai. Our company address is Po Box 50923, Dubai, Dubai. You can find out the information you need by calling 04 3338850. The location of the company AERO FREIGHT (EMIRATES) L.L.C and directions can be found on our interactive map.


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Violinist Janna Sailor began her musical studies in violin and piano at the age of three. Originally from Saskatoon, Sk. Janna began performing with professional orchestras at the age of thirteen. In addition to performing with established ensembles such as the Vancouver Opera Orchestra, Lion's Gate Sinfonia and Vancouver Inter-Cultural Orchestra, Janna enjoys a diverse freelancing career and has performed with Tafelmusik, The Canadian Tenors, I Tromboni, Terri Clark, Frank Sinatra Jr., Kenny G, and the Trans-Siberian Orchestra.
In 2011 she held the position of concertmaster with Montreal based Orchestre de la Francophonie, which has just released an acclaimed recording of Berlioz' Symphonie Fantastique on the Analekta label. She currently holds a position with the National Academy Orchestra of Canada, orchestra in residence for the Ontario based Brott Festival.
Janna is a co-producer of RSVP Recital Series in Richmond, BC, an innovative chamber music series of house concerts, and is heard regularly as a soloist and chamber musician on concert series around the BC mainland. Janna is a founding member of Cordei Contemporary Harp and Violin Duo alongside harpist Albertina Chan. Cordei regularly commissions and premiers works by BC composers. Janna has toured across North America as a member of acclaimed classical crossover group Vivace (formerly known as Il Voce).
Awards she has received include the Saskatoon Symphony Award for Leadership in Music, the Vining Memorial Graduate Scholarship in Music, Brandon University Young Woman of Distinction Award, and a scholarship for musical study abroad in Italy in 2010.
Janna is passionate about the education of young musicians and holds the position of String Programs Coordinator with the Vancouver Youth Symphony Orchestra and teaches at the St. James Academy of Music, a social action inner-city program that gives under-privileged kids the opportunity to study music.
Janna holds a Bachelor of Music with Great Distinction from the Brandon University School of Music, and completed a Masters Degree and an Artists Diploma in Violin Performance at the University of British Columbia under the guidance of Nancy DiNovo.


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I think I know what joy's about now
A few months ago I was thinking about joy and how to get it. It went completely out of my mind (as many things do) and I only rediscovered the original blog post about it the other day. But I was so glad I did.
"I haven't been thinking about it, but with all the reading and thinking I've done this year on other stuff, I've figured it out anyway," I thought to myself. "I 'get' joy now."
I probably don't still completely understand it, but I'm a lot closer than I was, so here are my discoveries about joy, six months down the track.
You get joy by being thankful. Practicing gratitude for small and large things on a daily basis brings you into the present more fully and joy begins to well up.
You get joy by being connected to people in honest, open relationships.
You get joy by taking time in your life to understand yourself.
You get joy by doing things you enjoy.
You get joy by being aware of how much the world is broken and how little you can do about it and the size and shape of what God has done through Christ.


text: In the heart of Old Boca Raton's Estate Section, this magnificent estate enjoysa sought-after location in a prestigious beachside enclave of stately waterfronthomes. Presiding over beautiful tropical grounds on the Intracoastal Waterway,the gated palazzo is artfully styled in elegance and grandeur. Spanish River Road, Boca Raton, Florida. In the Estate Section of Old Boca Raton,this prestigious location is only minutes away from superb shops and restaurants,beautiful beaches, and the world-class amenities of the Boca Raton Resort & Club.


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Many licensed venues will no doubt have been planning for the busy Jubilee and Olympic periods for several months, with the expectation of a busy trading time. However, there are deadlines to meet, which Jo Soar from Fraser Brown explains.
One year on, dilapidations seminar at Fraser Brown with our guest speaker Martin Hutchings QC of Wilberforce Chambers.
05.Jul.2012 | Dispute Resolution
Almost all websites use cookies in some way but many online operators are not aware of what cookies their websites use or what they are used for.
05.Jul.2012 | Franchising
The number of claims received by employment tribunals has decreased by 15% compared to the previous 12 months. However, the number of tribunal claims is still higher than at the start of the recession.
29.Jun.2012 | Employment Law
Is an Employer permitted to make an Employee face a second disciplinary procedure for the same offence, on the basis the outcome of the first disciplinary did not impose a severe enough sanction?
20.Jun.2012 | Employment Law
Helen Shaw, head of the Family department at Fraser Brown Solicitors highlights the proposed changes to the Children Act.
15.Jun.2012 | Family Law
The commercial contracts and commercial property departments at Fraser Brown Solicitors have recently worked jointly on a contract for Lockwood Haulage to provide new warehouse space and haulage services to Ardagh Metal Packaging (UK) Ltd.
12.Jun.2012 | Commercial Property
UK employment laws have found their way into the news once again in the form of a report by venture capitalist and Conservative supporter (and donor) Adrian Beecroft, and the reaction to it.
11.Jun.2012 | Employment Law
The Enterprise and Regulatory Reform Bill was presented to Parliament on the 23rd May 2012. It has been heralded by the Government as the cornerstone of its policy to promote long term economic growth.
01.Jun.2012 | Employment Law
The licensing department at Fraser Brown Solicitors has recently been successful in winning a licensing appeal. Walaiti Rathore, a licensing solicitor at the firm acted on behalf of Admiral Taverns.
The Queen's Diamond Jubilee is fast approaching and has provided for an additional Bank Holiday on Tuesday 5th June. This mirrors the situation last year, where an extra Bank Holiday was granted for the Royal Wedding in April 2011.
31.May.2012 | Employment Law
Following on from the recent news that the East Midlands is the only area in England to record an increase in the number of business insolvencies in April, Adrian Slater from Fraser Brown offers an expert opinion.
29.May.2012 | Insolvency
TWEETS @fraserbrownlaw


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40 years after Alma-Ata: Primary Health Care in 2018 and beyond, in South and North
Antwerp, 23 October 2018. This year the international public health community celebrates the 40th anniversary of the "Health for All by 2000" Declaration on Primary Health Care (PHC) adopted at a symposium organized in Alma-Ata (former USSR) in 1978. PHC is both a philosophy and a strategy that embodies a radical shift in thinking about health, health care and health development. It is driven by a strong ethos of social justice and is key in enhancing the performance of health systems.
For the Institute of Tropical Medicine (ITM) in Antwerp, PHC and its underlying value basis remain a major source of inspiration for its academic work in the field of teaching, research and capacity building. The development of PHC is coherent with two current international priorities — Universal Health Coverage and the Sustainable Development Goals.
On Tuesday 23rd of October, the ITM is organizing an international symposium on PHC with the aim to re-emphasize its relevance for health systems worldwide, but also to reflect on innovative approaches to establish effective PHC policies in a rapidly changing global environment. It will gather in Antwerp a varied audience of public health students, health professionals, academia, civil society representatives, aid organisations and public health policymakers - from both the South and the North.
Save the date. The final symposium programme and the practicalities for registration will be available in early September. Contact: Bart Criel, ITM Antwerp


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Oscilloquartz, an ADVA Optical Networking company has launched an integrated PTP (Precision Time Protocol) grandmaster and GNSS receiver with a patent-pending dual antenna and receiver to enable the small cells era. The new OSA 5405 SyncReach technology has been specifically engineered to provide accurate and affordable phase synchronization for the rapidly growing small cell market and meet the stringent timing requirements of 4.5G and 5G connectivity.
Oscilloquartz is a pioneer in time and frequency synchronization. They have been designing, manufacturing and deploying end-to- end synchronization systems that ensure the delivery and assurance of highly precise timing information over next-generation packet and legacy networks.
With the OSA 5405, operators can now migrate from legacy GNSS RF antennas and cables to standard, cost-effective copper and fiber Ethernet cabling, reducing capital expenditure and operating expenses. Available in both indoor and outdoor variants, they can be deployed in the most challenging environments, including urban canyons where GPS signals fail. Its miniscule form factor also enables it to be positioned on indoor windows to avoid multipath signal interference from objects within the building.
The OSA 5405 has been created to effectively deliver small cell synchronization in any environment and eliminate all restrictions by radically simplifying GNSS antenna installation. The use of PTP removes the need to compensate for cable delay and extends the reach of GNSS. It enables operators to forget about archaic and expensive RF cables and use simple copper cabling or optical fiber for longer distances. And with variants that can be positioned in almost any location, it provides strictly accurate timing precisely where it's needed.
The compact design and power-over-Ethernet capabilities of the indoor- or outdoor-mounted OSA 5405, enable synchronization right at the edge of the mobile network. This creates dramatic reductions in complexity and power requirements as well as lower costs for installation and operation. Another key feature of the new technology is IP connectivity. This means that synchronization becomes another element of the internet of things.
The OSA 5405's highly precise GNSS-sourced synchronization is supported by network-based Sync-E and PTP backups. In high-rise buildings it can also deliver synchronization recovered from the GNSS smart receiver over optical fiber. The ADVA FSP Network Manager with comprehensive Syncjack assurance guarantees efficient operation. It also uses a unique dual GNSS antenna and receiver algorithm to mitigate interference from multipath signals that can affect accuracy, particularly in urban canyons.
Click here to learn more.


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Omega-3 Fatty Acids in Modern Parenteral Nutrition: A Review of the Current Evidence
Stanley Dudrick's Memorial Hospital, General Surgery Unit, Skawina 32-050, Poland
Academic Editors: Lindsay Brown, Bernhard Rauch and Hemant Poudyal
J. Clin. Med. 2016, 5(3), 34; https://doi.org/10.3390/jcm5030034
Received: 12 December 2015 / Revised: 10 February 2016 / Accepted: 1 March 2016 / Published: 7 March 2016
(This article belongs to the Special Issue Omega-3 Fatty Acids in Health and Disease)
AbstractIntravenous lipid emulsions are an essential component of parenteral nutrition regimens. Originally employed as an efficient non-glucose energy source to reduce the adverse effects of high glucose intake and provide essential fatty acids, lipid emulsions have assumed a larger therapeutic role due to research demonstrating the effects of omega-3 and omega-6 polyunsaturated fatty acids (PUFA) on key metabolic functions, including inflammatory and immune response, coagulation, and cell signaling. Indeed, emerging evidence suggests that the effects of omega-3 PUFA on inflammation and immune response result in meaningful therapeutic benefits in surgical, cancer, and critically ill patients as well as patients requiring long-term parenteral nutrition. The present review provides an overview of the mechanisms of action through which omega-3 and omega-6 PUFA modulate the immune-inflammatory response and summarizes the current body of evidence regarding the clinical and pharmacoeconomic benefits of intravenous n-3 fatty acid-containing lipid emulsions in patients requiring parenteral nutrition. View Full-Text
This is an open access article distributed under the Creative Commons Attribution License which permits unrestricted use, distribution, and reproduction in any medium, provided the original work is properly cited (CC BY 4.0).
Printed Edition Available!
A printed edition of this Special Issue is available here.
A printed edition of this Special Issue is available here.
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Klek, S. Omega-3 Fatty Acids in Modern Parenteral Nutrition: A Review of the Current Evidence. J. Clin. Med. 2016, 5, 34.
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Klek S. Omega-3 Fatty Acids in Modern Parenteral Nutrition: A Review of the Current Evidence. Journal of Clinical Medicine. 2016; 5(3):34.Chicago/Turabian Style
Klek, Stanislaw. 2016. "Omega-3 Fatty Acids in Modern Parenteral Nutrition: A Review of the Current Evidence." J. Clin. Med. 5, no. 3: 34.
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Things To Consider When Looking For The Best Hair Salon Expert
With the importance of a hair salon Melbourne or other salons in your country or area, it is not surprising that women find the quest of looking for the best in this category, as one of the most vital task they have in their life. You definitely wouldn't want to end up in a situation where you are pushed to start over with your selection again due to a haircut or hairstyle that's nothing short of disappointing. Luckily, there are indeed topnotch choices in the market that are bound to satisfy you in whatever hair salon service you need and you just need to know exactly what to look for.
It is important that you first turn your attention to looking for plausible hairdressers you could hire in your vicinity. You'll surely find it hard to look for the best hair salon if you don't know how to look for them and fortunately, there's the internet along with social media which is a pretty popular medium today for you to start with your search. You'll surely be able to unearthed diverse hair salons and hair dressers throughout your area through the help of social media as they even post their work there for advertisement. Through the innovative hashtags, you could even search for hairdressers in your area a lot easier through keywords.
The Social media can easily be considered as the word of mouth but of course, other than this form of word-of-mouth, you could also look into recommendations of people you know or people with rocking hairstyles that you would want to achieve.
Remember that despite the fact that experience is extremely important, it still isn't the most appealing criterion to rely your decision. There's no doubt that you'd find yourself more convinced with a professional if they have certificates, license and other information hanging on their wall but, this isn't really a defining factor for those who are looking for a hairdressing professional. A true stylist is someone who has lots of educational background under his belt and he ought to be more motivated to make sure that he'll be able to provide you with the best result as his clients.
As much as it may be tempting for you to go with a certain hair salon right away, It is vital that you place your due research onto the plate as you would have to guarantee first that the hair salon is truly what it makes itself up to be. You definitely would want to find the hairdresser you could opt for every time you need a salon service which is why it would also be better for you to find out more about the attitude of the hairdressing professional.


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Low Income Housing Institute
Interbay Village Moving Day
Today Tent City 5 moved to its new home: Interbay Village by the Magnolia Bridge at 1601 15th Ave W. The site is owned by the Port of Seattle and is being leased to the City of Seattle as a tiny house village for homeless people.
The new Interbay Village, when completed, will feature 30 tiny houses with electricity and heat, a kitchen, community space, counseling office and plumbed toilet and shower facilities. Approximately 65 residents will live there.
Interbay Village will be a clean and sober community with residents participating in the daily operation of the village, including round-the-clock security shifts.
The 2017 Point in Time Count found 11,543 people in Seattle and King County experiencing homelessness. "Living in a heated and insulated tiny house in a safe village is far better than living in a cold and wet tent under a bridge," said Sharon Lee, Low Income Housing Institute's Executive Director. "We thank the Port of Seattle for offering their vacant property to help people in need. We appreciate the devotion and hard work from hundreds of volunteers who built and painted thirty 8' x 12' tiny houses."
LIHI is sponsoring Interbay Village with SHARE, a nonprofit organization that will manage the day-to-day operations and organize the residents to live cooperatively. The Seattle Human Services Department is providing operating and services support including funding for a case manager to help people obtain long-term housing and employment.
The organizations and groups that helped fund and/or build the tiny houses include:
- Miller Hull built the metal Mighty House
- PACE construction school built two houses
- Solstice Pot Shop built one house
- YouthBuild built two houses
- Bill Lichty neighbor, built one house
- Seattle Vocational Institute built one house
- Jefferson Allen neighbor, built one house
- BoyScouts led by Jarred Flowers Eagle Scout Project, built one house
- Center for Spiritual Living built three houses
- Temple Beth Am – funded and built three houses
- Temple Beth Am, Gaby Bell Memorial House built one house
- Chief Seattle International H.S. built one house
- Ann Richardson neighbor, built one house with neighborhood help
- Holy Spirit Lutheran Church built one house
- Peace Lutheran Church built one house
- Precision Builders Inc built three houses
- Huber Custom Building provided support and instructions for 8 houses
- Enterprise Community Partners built 6 houses
- Microsoft Employee Volunteers – United Way Day of Caring
- LMN Architects – painted and finished houses
- Individual donors and volunteers
Volunteers build new tiny homes for the homeless in Interbay neighborhood
LIHI Gala Auction (Nov. 3) Tickets on Sale
The LIHI Auction is the premier fundraising event for our programs. It s also a lot of fun! The auction benefits Urban Rest Stops, Tiny House Villages, and Supportive Services for the residents of our housing.
2017 LIHI Annual Gala and Auction
Friday, November 3, 2017
Four Seasons Hotel Seattle
5:30 pm Hors D oeuvres, Wine and Silent Auction
7:00 pm Dinner, Program and Live Auction
(Sponsors, please note that tickets come with your sponsorship if you need additional tickets, contact our auction team.)
You can help raise funds by donating an auction item. To do so, please use the LIHI Auction Item Procurement Form or shoot an email to our auction team.
We are also looking for event sponsors. To see the great benefits sponsors receive, please see our LIHI Sponsorship Levels Please email executive assistant Aaron Long for more info.
Movie: It Takes a Village to Make a Village
Please watch this new short movie about this recent tiny house volunteer build: It Takes a Village to Make a Village
Enterprise, Seattle Vocation Institute, LIHI and Community Partners Build 8 Tiny Houses in a Day
On Friday, Aug 18, over 100 volunteers with Enterprise and their industry partners, students in Seattle Vocational Institute s pre-apprenticeship program and LIHI volunteers came together and built eight tiny homes in one day in SVI s parking lot. Mark Huber and Mike Kirkman of Huber s Custom Building were the designers of the innovative tiny house model and helped lead the construction. During the lunch break, a current resident and former resident of the tiny house villages shared their stories and inspiring words.
Everyone had a great time building these homes, which will be moved to the new tiny house villages in Seattle where the current Ballard and Interbay villages will be relocating. These homes will improve and save lives, and we are grateful to the many volunteers and community leaders who made this possible!
Volunteers from Loveridge and Hunt
Special thanks to our community and industry partners:
- Catholic Community Services of Western Washington
- Downtown Action to Save Housing
- Kantor Taylor Nelson Evatt Decina PC
- Loveridge Hunt Co, PLLC
- GGLO Architects
- Quantum Management Services
- Washington Community Reinvestment Association
- Washington State Housing Finance Commission
Donors and Volunteers continue to play an integral role in our Tiny House program. Donations are currently needed for the upcoming relocation of the Ballard and Interbay sites. To donate, please visit our Giving page and to volunteer, please visit out Get Involved page.
Golden Nugget Award Winners Marion West and Abbey Lincoln Court
LIHI Associate Director of Housing Development John Torrence, LIHI Executive Director Sharon Lee, and Runberg Architect Michele Wang display Golden Nugget Awards
Judges for the 2017 Gold Nugget Awards recognized Low Income Housing Institute (LIHI) and its development partners, Ruberg Architecture, Walsh Construction Co. and BNBuilders, for two projects: The Marion West and Abbey Lincoln Court.
The Marion West photo by Michael Walmsley
The Marion West won two Grand Awards for Residential Housing Project of the Year, beating out for-profits, non-profits, and luxury housing developments, and Best Affordable Housing Community (100 dwelling units per acre or more). Abbey Lincoln Court received a Merit Award in the Best Affordable Housing Community (100 du/acre or more) category.
Abbey Lincoln Court photo by Michael Walmsley
Recognizing The Marion West for a Grand Award was an easy call, reads the judges statement. This project sets the standard for both affordable housing as well as addressing the urgent need to house homeless youth.
Now in its 54th year, the Gold Nugget Awards, sponsored by Pacific Coast Builders, is the largest and most prestigious competition of its kind in the nation. The Gold Nugget Awards recognize architectural design and planning excellence in community and home design, green-built housing, site planning, commercial, retail, mixed-use development and specialty housing categories.


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Mine? I have a passion for the romantic. Movies, photos, art, television, books, . . . anything really. If I can look at something and see the romance in it, I'm hooked. Not to mention that I also have a wild imagination, which is both a blessing and a curse.
Blessing while I'm drafting a new romance story, doing some other creative writing.
Curse when I'm home alone and hear a noise.
Personal passion is your creative default. It's where your mind goes when you daydream, that place where it circles back to time and again.
Personal passion is that thing that excites you, makes your eyes light up and your heart beat faster when your mind is free to think of all the possibilities.
Everyone should pursue their passion, though not everyone does. How do you pursue yours? If you don't, why not?
It's time to make at least one part of your life all about you and the pursuit of your passion.
Keep your head in your creative space.
What's your passion?


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Anyway, you and I both know that most of those slick marketing productions that pitch getting you out of credit card debt through some sophisticated and costly program are a bunch of hot air. But there is a secret weapon right under your nose that if you can set off its amazing power, it can get you out of credit card debt and keep you there.
This secret weapon is pretty amazing and you know we aren't trying to market anything to you because this secret weapon doesn't cost anything, doesn't require you send off for anything and you can find it right in your own home and put it to work immediately at no cost to you. But it is also a secret weapon that is not "sexy" and it will not make you go "OOO" and "AHH" by impressing you with its slick design.
The secret weapon is a budget. See, we told you it wasn't a sexy solution. But when you analyze why you have the credit card debt in the first place, putting a rock solid budget in place is the foundation of a long term solution to your problem. The marketers can give you all kinds of fancy analysis and discussion on the cause of credit card debt in your life that will put the blame on everything from the foreign exchange rate to immigration to global warming. But it doesn't do you a bit of good to point fingers about the problem. The only thing that will do you good is to give you the tools and weapons to fix it.
There is just no getting around it, you are in trouble with your credit because you are living above your means. In other words, you are spending more than you make. This isn't to throw a lot of blame and guilt around. There are a lot of situations that can cause you to live above your means. You could lose your job or have an emergency in the family that can cause you financial worries. But when the money going out is the more money than is coming in, you have a problem that will drive up your credit card debt.
To write a budget, you simply sit down and take inventory of those two factors. You inventory how much money you have coming in. Then you inventory how much money you have to pay out. This step alone is a huge step forward toward getting your debt problem under control. A computer spreadsheet like Microsoft Excel is excellent for this kind of family budget planning and analysis because you can move things around and let the computer do the math for you.
Don't make excuses about this. If you don't know how much a certain kind of spending costs you, dig out your receipts for the last few months and get a feel for it. But once you know your income and your bills, you can tell if there is a gap. Then you can make plans to close that gap either by getting more income or by cutting out some bills or both.
It won't be easy and it won't be fun. But if you get on a budget and stay there, you have the basic foundation for a solid family financial plan and you can move forward from there. You may go on to use some other tools to bring your credit card debt under control such as credit card consolidation or balance transfers. But don't do a thing before you find that secret weapon and make it start working for you. And that secret weapon is a realizing and reliable family budget.
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|Seller type
|Stimul Consulting
|Bathrooms: 0
|Square: 2300.00
|Bathrooms: 0
|Square: 2300.00
Translated automatically. Show original description.
Offers a three-star hotel in Baiersbronn in the mountains of the black forest
Urgent forced sale!
Reduced price!
it is Proposed three star hotel at a ski resort in the mountains of the black forest in southern Germany in the Federal state of Baden-württemberg.
Heart and family atmosphere of the hotel is ideal for any type of vacation.
Traditional comfort with a touch of elegance is a real magnet for tourists not only from all over Germany but also from abroad.
the 40 guestrooms size: from 30 m2 to 50 m2 each. Each room is bathroom and balcony
restaurant on 205 places
area for Spa
large terrace from the amazing nature views and ancient town
Also available on the land a private two-story building, each floor of which is:
in addition to the hotel is the 35 Parking spaces for cars.
the Facility is located on a private land area of 11.360 m2.
With proper self-management of the hotel and at least 40% guest loading financial annual turnover may reach 330.000 euros.
the Object is currently in the external competitive management and will be sold directly by the Bank through court a new investor.
It's offered by the Bank on the residual value will be transferred to the new owner absolutely without any debts.
According to specialists of our company, during a court auction price may be further reduced by 10-15%, which further increases the investment attractiveness of the object.
Our company is ready to render all necessary services on negotiations with the court and with the seller-owner, competent legal registration and after sales management of the property.
including on registration of a possible residence permit.
the Distance to it. Frankfurt airport: 189 km (2 hours by car)
Distance to it. Stuttgart airport: 85 km (1 hour and 15 minutes by car)
Baiersbronn is located in the state of Baden-württemberg and is subject to administrative district of Karlsruhe. The city's population is about 16 thousand people.
Near the town, in the South-West, is famous in the area of natural monument — waterfall Sankenbachwasserfall and a small lake.
Baiersbronn is famous for the fact that there were two of only 9 (2011) restaurants in Germany that won high critical acclaim Michelin Restaurant Bareiss and Schwartzwaldstube.
|Seller type
|Stimul Consulting


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Wells Fargo Sales Abuses and the Business Model
Shearman & Sterling's April 2017 "Sales Practices Investigations Report" for Wells Fargo's independent directors addressed numerous deficiencies, one of which was the bank's business model. The investigation identified the bank's business model (sometimes called "sales model") as a major contributory factor to the sales abuse scandal. These findings offer rich insights for companies in how ethics and compliance systems, especially educational efforts, can guard against such problems.
The Business Model and Its Role
A company's business model serves as the go-to-market strategy for how it will compete—informed from an understanding of the market, customers' needs, the company's competencies and available resources, among other considerations. Consider the following examples:
- Apple's heavy focus on product design and user interface to attract a groundswell of customers.
- AIG's entrepreneurial mindset that led its companies and offices to quickly innovate insurance products to meet local needs.
- Ritz Carlton's 'customer first' approach that pushed it to the top of the major market hotel chains.
- McDonald's franchise model that allowed its restaurants to quickly proliferate across the country—and the world.
Critical to a business model is ensuring its ongoing viability as market forces, customer expectations, internal operations, and other factors change. A danger also exists in blind adherence to a business model. Leadership's job is to regularly assess whether a business model is working, tweak it to generate better performance or change it to turn around performance if troubling signs indicate doing so.
The Wells Fargo Community Bank Business Model
As the report states: "Senior management in the Community Bank [Wells Fargo's retail operations] had a deep-seated adherence to its sales model. The model generally called for significant annual growth in the number of products, such as checking accounts, savings accounts, and credit cards, sold each year." The report added that the bank's decentralized structure put too much control with business unit leadership, with corporate seemingly only concerned with results, not how they were achieved.
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As reported in many press articles, Stumpf and the bank bought into the notion that an appropriate average number of accounts per person would be eight, because "eight is great"—he liked the rhyme. At the time of the scandal, the bank had been, through cross-selling, incrementally raising this ratio in the upper 5's and lower 6's—still not too close to the goal of eight. (See: "How The Wells Fargo Phony Account Scandal Sunk John Stumpf," Forbes, Sept., 23, 2016.)
When the business model began to break down under stress, the report states that the Community Bank's senior leadership "distorted the sales model and performance management system, fostering an atmosphere that prompted low-quality sales and improper and unethical behavior." Over time, this led to employees pushing customers to open accounts they didn't 'need and, in many cases, opening accounts without the customer's authorization. "Keeping the sales model intact and sales growing meant that the Community Bank's performance management system had to exert significant, and in some cases extreme, pressure on employees to meet or exceed their goals."
The report adds: "Even when challenged by their regional leaders, the senior leadership of the Community Bank failed to appreciate or accept that their sales goals were too high and becoming increasingly untenable . . . Community Bank leadership resisted and impeded outside scrutiny or oversight and, when forced to report, minimized the scale and nature of the problem."
Interestingly, an important control over the business model would seem to be that same separation between corporate and business units. If the business units would operate independently, this could provide corporate with the independence and objectivity to properly review the Community Bank's sales model. But, the report continues, CEO Stumpf "was Wells Fargo's principal proponent and champion of the decentralized business model and of cross-sells and the sales culture . . . [but was] too late and too slow to call for inspection of or critical challenge to the basic business model."
On this point, the report concludes: "It was convenient instead to blame the problem of low quality and unauthorized accounts and other employee misconduct on individual wrongdoers and poor management in the field rather than on the Community Bank's sales model." As this investigation confirmed, "the only way definitively to address the broken sales model and the root cause of sales practice abuses was to emphasize other metrics for performance and to abandon exerting pressure through sales goals and sales-driven incentive programs."
The Value of Education
As stated previously, it seems reasonable that a principal duty of leadership is to ensure the company operates with a sound business model and one that pivots where needed to adjust to market conditions. No one else in the organization will have the overall perspective to perform this role. It must reside with leadership. In exercising this responsibility, leadership needs to:
- Understand the business model and how it's intended to work.
- Understand and have the ability to exercise the tools that promote the business model, such as performance management systems.
- Have the ability to regularly assess the business model for success, or how to adjust or change it if found to be losing its effectiveness or is improperly applied through the requisite tools and resources.
There's an old notion that the vast majority of people are ethical, which they develop in their early years, and that only a very small fraction of people are 'bad eggs'. The regular scandals that we read about in the news, most recently Wells Fargo, Volkswagen, Takata, Toshiba, and many others, argue against this. Rather, it appears that all levels of management face ethical challenges; one's ability to successfully resolve these increasing challenges the higher up one goes requires increased levels of knowledge and skills. The entry level employee may not understand a company's code of conduct and so requires this training. And the higher up one goes, the greater mastery of ethical issue recognition, evaluation, and resolution that is needed to respond to increasingly subtle, difficult and vexing problems.
In Wells Fargo's case, leadership needed the skills manage the business model, not simply set it in motion and hope for the best. These leaders required an ability to ensure the model's ongoing viability, manage performance systems in line with the model and respond to the bank's other control systems (such as its code of conduct and policies) and identify when the model or performance systems were off kilter from objectives (and not just financial objectives). These skills are sometimes gained on the job, during lower-risk problems, but also can come from well-designed training that incorporates ethics and compliance elements to challenge operational practices and alternatives.
In short, ethics and compliance training is not just about knowledge of legal and corporate standards of conduct. In its best, this training involves applying these standards and related instruction to situations that a company is likely to face (to address the high-probability risks) and that may be existential risks (perhaps low probability in occurring but high probability in harming the company or others). Meaningful training is about building skills and influencing behaviors related to one's specific responsibilities.
The Wells Fargo scandal provides one more compelling reason why senior leadership needs to take ethics and compliance education relevant to its specific responsibilities very seriously.
Do you have questions about your current ethics and compliance training program? Contact us and we can work with you to make recommendations to augment and/or improve your current offering.
Syntrio is a leader in both the ethics and compliance field, as well as human resources and employment law, and is prepared to help your company implement a compliance program aimed at reducing the potential impact of compliance violations within the organization. Syntrio takes an innovative philosophy towards compliance program design and strives to engineer engaging, entertaining, and thought-provoking content. Contact www.syntrio.com for more information about our ethics and code of conduct online courses and remember to follow us on Facebook, Twitter, Google Plus and LinkedIn for daily updates on employment law and compliance that impact your company!
Written by Jason Lunday, Vice President of Product Development, Syntrio
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Omni Hotels offers guests online check-in. Save time at the front desk and check-in online 48 hours prior to arrival and we will have your room ready when you arrive.
Simply pull up your reservation online up to 6 p.m. hotel time and confirm your billing details and you will be set!
View reservations in your Select Guest Account
You can retrieve your Omni Hotels reservation information by entering the last name on the reservation and your confirmation number.
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Nights to Next Level:
Free Nights:
Enjoy 18 holes of golf on the courses the pros have played and then unwind with luxurious room accommodations.
Advance Tee Times are required. Please call (520) 575-7540.
Say Goodnight To Hunger
Stay with Omni. Help End Hunger in America.
When you stay at Omni, we'll make a donation to Feeding America.
Based upon availability. Not applicable to groups, conventions or special discount offers. Room taxes and resort service fees are not included. Rates subject to change without notice.
Inspired by the season, our luxurious spa treatments will pamper your skin and rejuvenate your senses.
Discover and purchase tickets for the top tours and activities Tucson has to offer.
Enjoy luxurious resort accommodations and full American breakfast each morning.


text:
Here's Why the Porsche 918 Spyder is Worth $1.7 Million
The Porsche 918 Spyder is a legend, an icon, and one of the most thrilling Porsche models ever made. I'm reviewing the Porsche 918 Spyder and showing you all its unusual quirks and weird features. If you've ever wanted to know why the 918 Spyder is so special -- or why it's worth $1.7 million -- this review will answer your questions.
COLUMN! http://autotradr.co/Oversteer


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Welcome to Friends of St Peter Chanel (FOSPC) PTA
SEPTEMBER FUNDRAISER! - Foreign Coin Collection
Our September fundraiser is the foreign coin collection. If you have out of circulation or foreign coins we can collect these and turn them into £££. Please look out for the donation box in the linkway. Thank you.
About us
The FOSPC PTA is a proactive, friendly group of volunteers who aim to hold regular fundraising events for the pupils of St Peter Chanel Catholic Primary School in order to support school initiatives.
We welcome volunteers who can both support our core activities and planning sessions as well as those who can just offer a few hours when we have different events.
Please see our Facebook page @FoSPC for regular updates, the School newsletter and events posters around the school.
Dates for the diary 2018:
September 2018 - Foreign Coin Collection month
9th - 16th October 2018 - The Book People
1 November 2018 - Phil the Bag textile recycling collection day
Fundraising updates
Can you help us raise additional funds for the school?
A fantastic way to raise free donations for the School is through the online shopping site Easyfundraising. All your have to do is register and go through the site each time you visit one of hundreds of online retailers.
Looking ahead
We will hold a Phil the Bag textile recycling day on 1 November. Please save up your unwanted clothes, shoes and bed linen to help us raise school funds.