text:
Financial distress, reorganization and bankruptcy Essay Sample
- Pages:
- Word count: 1423
- Category: corporation debt
A limited time offer!
Get a custom sample essay written according to your requirements urgent 3h delivery guaranteedOrder Now
Financial distress, reorganization and bankruptcy Essay Sample
You are required to explore, study and investigate the issues of financial distress, reorganization and bankruptcy of firms around the world, in particularly Malaysia and examined the factors that may have caused this phenomenon. Search for journal articles (at least 10) that are related to these topics and provide your comments and opinions in your write-up, not more than 10 pages.
Financial distress can be defined as situation in which a company can't meet or faces difficulty paying off its due financial obligation to its creditors. Generally the chance of financial distress enhances when a firm has high fix cost and high leveraged, it has illiquid assets, or revenue are sensitive to economic downturn. A company under financial distress incurs related to the situation for instance, higher cost of financing, opportunity cost of projects and lower productivity and efficiency. The firm's cost of borrowing additional capital increases as consequence making more expensive to raise needed capital. In effort to satisfy short-term obligations, management might pass on profitable long-term project.
Reorganization is process designed to revive a financially troubled or bankrupt firm. Reorganization process involves the restatement of assets and liabilities, in addition holding meeting with creditors in order to make new arrangements for maintain repayment. It is considered as an attempt to extend the life of distressed company.
Bankruptcy is a legal proceeding involving a person or business that is unable to repay outstanding debts. Asset belonging to debtor is evaluated and are used to repay outstanding debt. Before and insolvent company or person gets involved in insolvency proceeding it will likely be involved in more informal arrangement with creditor for instance making alternative payment arrangement. Insolvency can be result of poor cash management, reduction in forecasted cash flow or unexpected increase of expense.
Financial ratios are used to make prediction of corporate distress. Generally, referring to financial statement of companies is best way to gauge company's financial status and predict upcoming financial distress. The need is to establish industry norms for purpose of comparison. The financial ratios of individual companies need to be positioned within a specific industry to asses financial distress. Whenever possible, in a practical ratio analysis, specific industry mean or median ratios can be compared with those of individual companies. In a study conducted by (Haat, 2005) in which he asserts Malaysian listed company do not file for bankruptcy instead they are temporarily suspended, and given chance to restructure. In study of Syahida and Ameer (2010) which studies Bursa Malaysia financial data for period of 2001-2004 concludes that Severity of financial distress, profitability, liquidity and size are significant predictor variable in determining turnaround potential of distressed companies in Malaysia. In addition developed country turnaround prediction models have relatively better prediction accuracies compared to turnaround model based on Malaysian firm level data.
There are two situation in corporate distress can be classified as technical insolvency and insolvency in bankruptcy. A company is said to face technical insolvency when it is unable to meet its current obligations and insolvency in bankruptcy occurs when a company's net worth is negative. A company enters into financial distress following economic distress, decline of performance or poor management. Many multivariable models may be valuable in capturing a description of potentially failing companies, in "reality" the actual occurrence of failure and the time at which it occurs may be determined only by certain external economic trigger events.
In the final analysis it is through the medium of Bankers and creditors that failure is actually triggered. The potential of financial distress and earning has been studied by Brown and Ball (1967) and they suggest that whilst 35-40 per cent of the variability of a company's annual earnings could be attributed to market-wide influences, 10-15 per cent could be linked directly to industry specifics, supported this. However, it is uncertain that these factors can in fact be operationalized. Commercial failure prediction models (Taffler, 1983) demonstrate the explanatory power of models based on profitability, borrowings, liquidity and working capital ratios (WCR).
In study of Chin and Yong (2010) which examined the extent to which financial ratios can predict company failures using multiple analysis in Malaysian context. Total of 64 companies were analyzed with 16 ratios. A strong function was constructed with seven ratios found to be significant power and classification results showed high predictive accuracy rate. In addition result shows that there is conclusive relationship between ratios and company health and business failure and financial ratios have predictive power as to whether a company will be successful or fail.
Corporate Reorganization or restructuring is meant to remove firms operating and financial constraint to improve firm performance. However the market might interpret corporate reorganization differently. Financial crisis in 1997 caused some of Malaysian firm that largely funded by debts from banking sectors to expand to default in repayment. Total number of corporate restructuring and reorganization proposal approved by securities commission for the period 2000-2004 is 156.Studies in the relation between firm capital structure and corporate restructuring shows that highly leveraged firm are more likely to restructure their debt as their value falls. In study of Mat Nor and Alias (2008) in which they examined impact o corporate restructuring announcement made by selected firm on their stock price.
Overall the effect of the restructuring announcement was significant while the average two years of return on total assets and return on operating cash flow in the post restructuring were mixed. The motive for corporate restructuring is inclusive for all firms since all post restructuring is consistent with the argument that corporate restructuring should result in more focus, improved corporate governance through insider ownership and better debt management ratio. Corporate restructuring in Malaysia does not focus to further strengthening the role of board of director ownership, emphasizing corporate refocusing and reducing debt in post restructuring period.
In Malaysia, there is no voluntary administration procedure to restructure a company, which may be viable. Companies act mechanism allows a company to propose a compromise with its creditors in an orderly fashion. The compromise can be combination of seeking a cut in amount of debt that is to be paid by corporation, freezing of further interest charges and deferment of debt payment.
Corporate insolvency is concerned with companies who are debtors and are unable to repay their debts. If a debtor is a company, corporate insolvency intrudes on an extensive diversity of interests and it affects various parties that have interest in the continued existence of company or the business and that interest may vary from creditors to other victim of corporate insolvency. In study of Shereen Khan and Olivia (2014) in which they studied recent development of insolvency and restructuring in Malaysia asserts insolvency statistics report 2013 by the World Bank stated that Malaysia achieved top 12th among 185 countries. In addition with regard to efficiency in resolving insolvency, Malaysia was ranked 49th in 2013. Recent insolvency events:
Restructuring exercise of IRCB Berhad, on the last year, the company announced that failed to pay back RM 16.89 million debts to Maybank. In further announcement it announced that there would be major impact on its financial and operation. Malaysia corporate debt restructuring committee (CDRC) has approved application for assistance to mediate with its creditor bank over loan.
Brown, P. and Ball, R. (1967), "Some preliminary findings on the association between the earnings of a firm, its industry, and the economy", Journal of Accounting Research, Vol. 5 No. 3, pp. 55-85, Supplement. Sudarsanam, P.S. and Taffler, R.J. (1985), "Industrial classification in UK capital markets: a test of the economic homogeneity", Applied Economics, Vol. 17 No. 2, pp. 291-308. Auzias,M. N. Alias,N.(2010). CORPORATE RESTRUCTURING PERFORMANCE: AN EMPIRICAL INVESTIGATION OF ITS PERFORMANCE.
Shereen Khan,Olivia Tan(2014). Recent development of insolvency and and restructuring in Malaysia. Australian Journal of Basic and Applied Sciences, 8(1), Pages: 508-512
Malcolm Smith Christopher Graves, (2005),"Corporate turnaround and financial distress", Managerial Auditing Journal, Vol. 20 Iss 3 pp. 304 – 320 Shamsul Nahar Abdullah, (2006),"Board structure and ownership in Malaysia: the case of distressed listed companies", Corporate Governance: The international journal of business in society, Vol. 6 Iss 5 pp. 582 – 594
Fathi ElloumiJean-Pierre Gueyié, (2001),"Financial distress and corporate governance: an empirical analysis", Corporate Governance: The international journal of business in society, Vol. 1 Iss 1 pp. 15 – 23 Syahida BintiMd Zeni Rashid Ameer, (2010),"Turnaround prediction of distressed companies: evidence from Malaysia", Journal of Financial Reporting and Accounting, Vol. 8 Iss 2 pp. 143 – 159


text:
Look up into the nighttime sky and discover the wonder of the solar system. Stars, comets and planets twinkle above in a stargazer's paradise. In 2009, celestial observers can celebrate the 400th anniversary of the telescope.
The Ancient Observatory is a pretelescopic observatory built in 1442 during the Ming dynasty.
It is one of the oldest observatories in the world, and its grounds showcase sundials, bronze instruments and other exploratory astronomical devices. The exhibition hall showcases other ancient astronomical equipment.
MORE INFORMATION: 010-65128923 or bjp.org.cn
Quebec City
Mont-Megantic National Park, in an International Dark Sky Reserve, is known for its unobstructed views of the nighttime sky.
The AstroLab, an astronomy interpretation center, lets visitors study the sky and includes displays of the history of astronomy and modern multimedia displays.
MORE INFORMATION: 800-665-6527 or sepaq.com/pq/mme/en
Mauna Kea
The volcanic summit of Mauna Kea is so far from light pollution and free of clouds that it is one of the best places on the planet for stargazing.
Many nations have established observatories at the peak.
Snack on some local macadamia nuts and take a tour to the top or stay below at the Information Center, which is full of telescopes, knowledgeable rangers and interactive displays. Stargazing programs are from 6 to 10 every night.
MORE INFORMATION: 808-961-2180 or ifa.hawaii.edu/mko
Valentia Island, off the coast of southwest Ireland, is known for clear skies and great star viewing.
Climb to the top of Geokaun Mountain and peer off the Fogher Cliffs, the highest mountain and sea cliffs on the island at 600 feet. In the 1800s the island was the eastern point of the first trans-Atlantic cable.
MORE INFORMATION: 800-7426-7625 or discoverireland.com/us
Los Angeles
Griffith Observatory, on the southern slope of Mount Hollywood in Griffith Park, has spacious views over the Los Angeles Basin. The observatory reopened in 2006 after a renovation to preserve the art deco building and create a below-ground expansion. Planetarium shows are every 60-90 minutes, and public star parties take place monthly.
MORE INFORMATION: 213-473-0800 or griffithobs.org
Hotel Elqui Domos "astronomic hotel" is in the middle of the Elqui Valley, which has clear views for star observation. Domed rooms offer good views, and each room has a telescope. There are seven such hotels in the world, and this is the only one in the Southern Hemisphere.
MORE INFORMATION: 56-97-709-2879 or elquidomos.cl
Within the eucalyptus woodlands of New South Wales, a 100-acre reserve is owned by an astronomical society.
Every year the society hosts a South Pacific Star Party, attended by about 400 stargazers. Observation facilities, camping and basic accommodations are available.
MORE INFORMATION: 02-6801-4450l or visitnsw.com
Contact the writer: email@example.com

subset: commoncrawl


text:
Ralph Vacchiano | Facebook | Twitter | Archive
EAST RUTHERFORD, N.J. - One of the biggest stars and best players on the Giants is heading into a contract year with no signs an extension is near. He's rehabbing his way back from an injury and is pretty close to being fully cleared by doctors, maybe even in time for the mandatory mini-camp next week.
Yet there are no fears of a contract holdout with safety Landon Collins, and no stress about the situation like there always seems to be with Odell Beckham, Jr. Collins has been with the team all spring. At no point did the Giants flirt with the idea of trading him. And no one has ever thought the two sides were headed in the wrong direction.
But the truth is, just like Beckham, Collins heads into his contract season with something to prove before he lands the big-money deal he desires. And before they give him that lucrative contract extension, the Giants want to make sure he's still the player and leader that they've always expected him to be.
That wasn't the case last season, which was a miserable one for everyone in the Giants' organization, more miserable perhaps for the dysfunctional defensive backs. It's not Collins' fault that three cornerbacks were suspended for violating team rules during the season, but it didn't speak much to the 24-year-old Collins' leadership ability. It also didn't help that his most infamous reaction to it all was to call teammate Eli Apple "a cancer" during a radio interview in December.
His play took a bit of a tumble, too, one year after establishing himself as one of the best defensive players in the NFL. In the preseason he talked openly about being a Hall of Famer someday. During the season he did little to back that talk up.
But it's a new day now for everyone, and Collins is still 24 and loaded with talent. The hope is that as long as he's healthy, last season was just a bump in the road.
"Yeah, we put all of that behind us," Collins said, when asked about the "clean slate" given to everyone by the new coaching staff. "It's a clean season, new coaching staff, new team, new players, it's a clean slate. We just put all of that behind us. What happened then, it happened, we learned from it and now it's time to move on."
The first step to putting all that behind him is, of course, getting on the field. And at the moment, Collins' health is an open question. He fractured his right forearm late last season and needed surgery to fix it. Then in April, doctors determined his arm wasn't healing right and he needed surgery again.
It's been a little more than a month since the second surgery and Collins said he's "very close" to being fully cleared. He's able to participate in individual drills, and can do some team drills - albeit while wearing a red, "non-contact" jersey. But since this is the spring, he said, the doctors are choosing to take it slow.
"Right now we're just taking the precautions, not putting me into the team things, getting my arm caught or anything," he said. "We're right around the corner from the season, so we're not about to risk anything."
Even if everything works out with Collins' health, though, and he re-establishes himself as a leader, his contract situation remains murky. The Giants probably could find the cap room to give long-term extensions to both Collins and Beckham, but it's unclear if GM Dave Gettleman wants to do that. Collins will make $1.269 million this season in the final year of his rookie contract. Given the going rate for the NFL's top safeties, his next deal should bring him an average of $12-13 million per year.
Of course, the Giants could use the franchise tag on him too (at a likely cost of around $10 million) if they don't use it on Beckham. If neither of them sign an extension during the 2018 season, it could make for an interesting game of chicken with the Giants next February as they simultaneously threaten to tag them both, knowing they can only tag one.
But that's for later. For now, Collins is a regular at OTAs with his team - unlike Beckham, who has been a semi-regular, but has been absent since last week. There's no noise about Collins' unsettled contract situation because that's the way he likes it.
And he seems at east with the fact that despite all he's done in his short NFL career, he still has something to prove.
"Yeah, definitely," Collins said. "I've got to come in and say that I can learn this defense, even though I'm not on the field, and put it to the test. And when I get my opportunity to show that I can do it, (I have to show) that me not being on the field (this spring) is not slowing me down."


text:
June 15, 2015
LoLP 114: Johnny "Rocket" Adams!
In this episode of the Lions of Liberty Podcast, host Marc Clair is joined by fellow liberty podcast host, Johnny "Rocket" Adams of the Johnny Rocket Launch Pad! Johnny starts things off by describing how he first came to identify with libertarian, and what inspired the creation of the Johnny Rocket Launch Pad. Marc and Johnny go on to discuss the value of banter, the greatness of Chic-Fil-A, and how freedom leaves to the opportunities for the most people. They touch on minarchy vs. anarchy, property rights, and why the individual should be celebrated in this fun-filled liberty banter fest!
For full show notes, head on over to LionsOfLiberty.com!
And find us on Facebook, Twitter, and Google +!
Miss an episode? Check out the podcast archive.
Have thoughts on the show? Don't hesitate to email me!
Additonal credit goes to:
John Daubert, editing and mastering (check out his work here)
Ron Branch for providing the Lions of Liberty Podcast theme music (check out his work here)


text: I imagine that Laura had heard the phrase, "There is this guy I know that you just have to meet!" more times than she could count. She is joyful, vibrant, and absolutely beautiful, so it's no surprise that people frequently tried to set her up with their eligible male friends. Her friend's matchmaking skills fell short, however, until her twin sister Phebe got involved. Phebe and Jeff work together at an elementary school, and it didn't take long for her to realize that he would be a good match for her sister. She invited them both over to her house for dinner just before Christmas last year. What began as a typical, awkward blind date ended with Jeff feeling certain that Laura was the woman that he wanted to spend his life with. He proposed a few short months later, and they are getting married at Jeff's family home later this fall. These two are so warm, relaxed, and fun, and I cannot wait to celebrate and document their wedding day!


text:
Looking for a Pediatrician?
From new baby care through the teen years, our pediatricians focus on your child's health.
Methodist Physicians Clinic Pediatricians
Methodist Physicians Clinic holds physicians to the highest quality standards, requiring board certification of all new pediatricians. You can take comfort in knowing that the pediatricians at Methodist Physicians Clinic will provide the best in health care for your child from infancy to early adulthood.
Ready to make an appointment?
It's easy to request an appointment with any of our pediatricians - right from your computer 24/7! (New patients welcome!)
Need help finding a physician?
We can help match you to just the right doctor! Fill in the form below, or call us at 402-354-8888, or 800-958-6498.


text:
In Focus: Sarah Palin
While facing criticism for his choice of picking Palin, McCain has definitely gotten the much needed steam for his campaign. Nevermind the fact that McCain did not actually know her and talked to her but once before he picked her as a running mate, Palin at first appeared as a pristine conservative with enough know-how and a lot of charisma to boost McCain. But as election day nears, skeletons are bound to be dug up and exposed for everyone to see.
As to why this matters much to a Filipino... it's simple. It is because whatever the outcome of the US elections will be, the emerging economic policies from these victors will directly affect our economy. Not to mention that as a former colony of the US from 1898-1946, the Philippines still has a knack for emulating the US rule. And while personally I was also smitten by Palin's seemingly underdog-ish bid for the vice presidential seat,being better informed has opened my eyes that Palin is definitely NOT the better choice. While inexperience is something that is easily remedied, her moralistic stand against equality is something that is inherently hers and cannot be untaught.
So here's more of Governor Palin. Click on provided links for complete articles about the Gov'nr.
(This is solely my opinion on the matter and is not meant to offend staunch Republicans.)Finally on a related note, click here to read Obama's view on the criticisms against the pregnancy of Palin's 17 year old daughter. Lemme just say... Yay Obama.


text:
Discussion in 'Sea Fishing Forum - Shore, Boat & Kayak Fishing' started by Leon Roskilly, Feb 7, 2007.
Hi Leon,
I don't know if you remember Big cod and myself discussed a chap on anglersnet through the summer months who had crashed his boat into the fish key at Whitby. Then a few days after we started that topic he sank the boat at sea ? This is the same chap, and apparently he had been towed into Bridlington on Monday evening by the local lifeboat.
yes he broke down just off the coast of bridlington they fixed the boat and set sail home to whitby (i think) then crashed the investagation team wil now be working out what they where doing out that late at night
What i would like to know is how the hell did these baffons get a licence to take anglers there imcompitence is beyond beliefe they sank the first vessel probably throught the impact they had with her and sheer lack of experience plus there must have been unseen damage that must have occured this was a large old wooden vessel which belonged to the local diving club i know the lad who looked her and he was deverstated after she was lost the local diving club sold it to these baffons , the boat was renamed after one of the local lads in the diving club who tragically lost his life on a dive but this second incident is just unbeleiveable the harbour master was warned but as allways he knows best and takes no notice it was just another accident waiting to happen not only have they put there lives at risk but also the RNLI lads who have saved there skins for a second time ther MAIB were sniffing around yesterday the shit might just hit the fan this time.
He used to moor the first boat near where I go crabbing. When He put a hole in the first boat I observed him mending it with expandable foam.
The same bloke dug a hole where his boat moors - spent hours digging it then the next day was amazed that the hole had filled back in with silt etc. Makes you wonder what was going on in his head.
Report on BBC
PMSL What was he digging a hole for? Sounds like a right loon lol.
He said he was digging a birth for his boat. He also threw all my crab traps away. Loon is a fair choice of words
so your narrowing down were you get your prime crabs there glen...mmnmmm , thats another bait i dont have much look in collecting , but i,m not going there lol...
I have highly trained snipers and a Harpoon gun for the larger crab poachers ;D ;D.
i better watch out lol
Separate names with a comma.


text:
From September 23-28, online companies, executives, and personalities will gather in Santa Monica for Social Media Week Los Angeles. To help showcase the incredible events that will be going down this year, Tubefilter will be offering daily previews of individual events. Check out the full schedule here and our schedule at a glance here.
Last year, one of the most exciting events at Social Media Week Los Angeles was a live taping of Larry King Now, the Ora.tv interview program hosted by legendary newsman Larry King. That time, King sat down with rapper and actor Nick Cannon; this year, King is returning to SMWLA with a guest more applicable to a social media symposium. King will chat with George Takei about the methods through which the former Star Trek cast member has revitalized his celebrity via the Internet.
Though the centerpiece of Takei's online presence is his personal Facebook page, where an assortment of memes, quotes, and image macros have helped him rack up more than 4.6 million fans, the jovial actor has recently expanded his work to YouTube. King and Takei will surely discuss Takei's Take, the new web series created in tandem with Fullscreen and guest starring YouTubers like Lamarr Wilson and David So. The first episode of Takei's Take was great, so I'm excited to see what Mr. Sulu has to say about its production.
The 'Larry King Now' live taping will go down on Thursday, September 26th at 1 PM at ROC Santa Monica. If you're interested, you can sign up right here.


text:
I am in a show at Deer Lake Gallery in Burnaby, BC, called 1 X 1 which runs from July 25-August 9. The theme is Fire. I chose the torch of the Statue of Liberty as I had just been in New York. Will be interesting to see everyone's interpretations.
This blog is about being an assemblage artist living in Vancouver, BC. I use it to showcase my art, techniques, events and my travels.
Nice statue of liberty is shown with different colours...
cathrin disusa...
Cash Online Get Easy cash at your door step
Thanks for your participation in the exhibit!
It was a very succesful event due to your art work and others too! Much appreciated..... Bill Thomson /Burnaby Arts Council.


text:
First Friday
TSA Attic Theatre
Friday, March 6, 2009
Reception 9:00 am Program 9:30 am
Featuring the Faculty Arts Exhibition
Admission: Free
RSVP to email@example.com or 419-246-8732 x 217
Xhibit Purple
The wildest Modern Dance program you'll see in Toledo. An explosion of creative energy, Xhibit defines itself each year, and this time in Purple. There's no predicting what you'll see. Wear purple and be part of the show!
Owens Community College Center for Fine & Performing Arts
Thursday, March 5th and Friday, March 6th, 2009
7:00 pm
Admission: $10 Adult $5 Student/Senior
Sunday Chamber Concerts at Trinity
Trinity Episcopal Church
One Trinity Plaza, Toledo
Sunday, March 8th, 2009
1:30 pm
Admission: Free
Percussion Ensemble
TSA Attic Theater
Tuesday, March 10th
7:00 pm
Admission: $5 Adult $3 Student/Senior
Chorus and Piano Concert with Percussions
Carmina Burana
Trinity Episcopal Church
One Trinity Plaza, Toledo
Friday, March 13th, 2009
7 pm
Admission: $5 Adult $3 Student/Senior
Steppin' Out Live & (not very) Silent Auction
Come join the action packed evening at the Toledo Club when TSA holds the Steppin' Out Auction. On Saturday evening, March 14 starting at 6pm the TSA Development Department is sponsoring a superb (not very) Silent Auction and an action filled Live Auction with guest Auctioneer Jerry Anderson of WTOL – 11.
Proceeds go to support the mission of TSA, the 6th through 12th grade school of over 400 students in downtown Toledo with an arts-based curriculum.
To add to the evening, the students of TSA will provide music and entertainment and student artwork will be on display.
Toledo Club
235 14th Street, Toledo
Saturday, March 14th, 2009
Silent Auction 6:00 pm, Dinner at 7:30pm
$45.00 dinner with reserved seating. Tables of 10 are $400.00
Contact firstname.lastname@example.com or 419-246-8732 x 224
Songs for Our Sister Benefit Concert
A Tribute to Mary Ann Russo
All proceeds benefit the Mary Ann Russo Scholarship Fund
Performers include Ramona Collins, Kim Buehler, Lorie Lefevre, Joel Zmuda, the Sixth Edition and many more.
Help Support the Future of the Arts in Toledo While Honoring A Toledo Legend
The Toledo Club
Sunday, March 22nd, 2009
2:30 pm
Tickets: $25.00
419-246-8732 x 217
TSA Pop & Rock at Mickey Finns
602 Lagrange Street, Toledo
Sunday, March 29, 2009
4:00 pm
Admission: $3
Beginning & Intermediate Strings
Tuesday, March 31st, 2009
TSA Attic Theater, 7:00 pm
Admission: $5 Adult $3 Student/Senior
- Toledo School for the Arts | 333 14th St | Toledo, OH 43604
email@example.com | ts4arts.org | 419-246-8732 No Comments »


text:
Sarah Morgan
Board Director & Professional Investor
Sarah Morgan is a board member for the MAP Advisory Board and is an experienced board director, corporate advisor and professional investor. Sarah has over 19 years corporate finance experience, predominantly as a Director of independent corporate advisory firm Grant Samuel. She is a non executive director and audit committee chair of Hansen Technologies Limited and Adslot Limited, is a non executive director of Hong Kong based Luxe City Guides, and is a non executive director the National Gallery of Victoria Foundation.
Sarah has a Bachelor of Engineering (Hons) in Mechanical and Manufacturing Engineering and a Master of Business Administration from The University of Melbourne, as well as a Postgraduate Diploma in Contemporary Art from the University of Manchester. Sarah is a member of the Australian Institute of Company Directors and Australasian Institute of Mining and Metallurgy.


text:
Safetip #38: LOTO Training to Authorized & Affected Workers
This week's Safetip is about Lockout/Tagout (LOTO), and training provided as part of a LOTO program.
Protect All Categories of Workers
LOTO impacts more people than those working directly on a piece of equipment. The BLR report "10 Tips to Implementing a Lockout/Tagout Program" says that each of the following groups of workers must be protected:
- Affected workers and other workers
- Contractors
- Group LOTO participants
- Workers during shift or personnel changes
Organizations should think about the safety of all workers involved with LOTO, including those who may be impacted indirectly.
LOTO Training Must Also Extend to All Workers
Workers who will lockout or tagout a machine or equipment in order to perform servicing or maintenance on that machine or equipment need to be trained on the safe use and removal of energy-isolating devices. These workers are known as "authorized employees" by the OSHA LOTO standard (1910.147). The BLR report says that these workers must also be trained in:
- Recognizing hazardous energy sources.
- The type and magnitude of the hazardous energy sources in the workplace.
- Energy-control procedures, including the methods and means to isolate and control those energy sources.
The OSHA standard also makes reference to "affected employees" who are required to operate or use a machine or equipment on which servicing or maintenance is being performed under lockout or tagout, or who need to work in an area in which such servicing or maintenance is being performed. Affected employees must also be trained. Furthermore, according to the BLR report, all other employees who work or may work in an area where energy-control procedures are used must receive basic instructions regarding the energy-control procedure, so they understand that they should not remove a lockout or tagout device or attempt to restart, re-energize, or operate the equipment.
As part of a LOTO program, remember to protect all workers, but also to provide training to all workers, not just those who will lockout or tagout machines or equipment.
Visit Enablon Insights again next Wednesday for a brand new Safetip!


text:
Here is our first message in our new series entitled "Journey" looking at the journey of a man named Terah. I would love to hear your thoughts, comments, insights, and questions.
Today we begin a 3 week series entitled Journey looking at 2 stories of journey found in the Bible. Today we talk about the journey of Terah, and in 2 weeks we'll be looking at the journey of the Apostle Paul. Next week we'll be talking about the journey of a person within our own community. Next week we'll be talking about the journey of Lindsay and she'll be sharing her journey, what God laid on her heart while in Mexico this past summer, and how those things on her heart impact our community.
So today we are talking about a guy that many of us have never heard of before, and if we have read the 6 verses that I will read in a minute, we promptly forget about him. In fact if he is known at all, it isn't because of anything he ever did. He is in fact overshadowed by his descendant. If we know him at all it is because he is the father of Abram (or later on in Genesis…Abraham). His name is Terah and the account of his journey is found in Genesis 11:27-32.
Genesis 11:27-32 says, "This is the account of Terah's family line. Terah became the father of Abram, Nahor and Haran. And Haran became the father of Lot. While his father Terah was still alive, Haran died in Ur of the Chaldeans, in the land of his birth. Abram and Nahor both married. The name of Abram's wife was Sarai, and the name of Nahor's wife was Milkah; she was the daughter of Haran, the father of both Milkah and Iskah. Now Sarai was childless because she was not able to conceive. Terah took his son Abram, his grandson Lot son of Haran, and his daughter-in-law Sarai, the wife of his son Abram, and together they set out from Ur of the Chaldeans to go to Canaan. But when they came to Harran, they settled there. Terah lived 205 years, and he died in Harran."
So what might we learn about our journey of following Jesus in the 21st century from a man, who when mentioned in Joshua 24 is a worshipper of other Gods? What can we learn about our journey from his physical journey from out of the Ur of the Chaldeans and towards Canaan, but eventually settling in Haran? What might we learn about being sent out as missionaries to our schools, neighborhoods, work, and our city from the Father of our Father Abraham? That is what we are going to talk about, unpack together, and dialogue around for the next few minutes.
So when the curtain comes up on the story we have just read we find Terah, whose name can either mean delay or wanderer, and his sons, Abram (most likely the youngest but listed first due to importance), Nahor, and Haran. They are living in the Ur of the Chaldeans, which is in present day southern Iraq. Haran has a son, Lot, who we read about later in Genesis 13 and 19.
The next scene following the listing of Terah's family tree is where we witness these heartbreaking lines, "While his father Terah was still alive, Haran died in Ur of the Chaldeans, in the land of his birth." Now when we read these words we realize their meaning that Haran died before his father. One of the worst things in all of life happened to Terah, his son died before he died. Normally the parents are the ones who are supposed to die first. You aren't supposed to out live your kids. But if that wasn't bad enough, some translations like the English Standard Version (ESV) actually read like this, "Haran died in the presence of his father Terah in the land of his kindred, in Ur of the Chaldeans." So it is quite possible that not only did Haran die time wise before his father, he actually died before, or in the presence of his father. That Terah actually watched his son die. Whether it was from disease, sickness, or an accident we don't know. But that is something that no one should ever have to witness. I can't imagine the pain, the grief, the loss that Terah went through following the loss of his son Haran. The death of Haran, then colors everything else in Terah's life, everything else in his journey.
Following some additional verses regarding family tree issues, like his remaining sons getting married, we come to our next scene found in verse 31. Verse 31 reads like this, "Terah took his son Abram, his grandson Lot son of Haran, and his daughter-in-law Sarai, the wife of his son Abram, and together they set out from Ur of the Chaldeans to go to Canaan. But when they came to Harran, they settled there." This is where Terah gets up, takes his family, and heads out on a journey from his homeland to Canaan. We aren't told what prompted Terah to take his family and migrate from the Ur of the Chaldeans to Canaan. But that they "settled there" parallels verse 2 earlier in chapter 11 where people settled in Babel. While the first migration at the beginning of this chapter ended in dispersal, this migration would eventually lead to Abram's call to be a nation that is blessed to be a blessing, and by definition that calling to be a blessing goes through time all the way through the OT, through the NT, into the life of the early church, and all through the life of the church, down to you and I today sitting here in 2013.
There are many speculations on why Terah took his family, left the Ur of the Chaldeans and headed for Canaan. We are, as I said before, never told why he packs it in in Ur and heads for Canaan. But here are a few possibilities. It could be that they left in obedience to the call of God, which we read more of in Genesis 12. Or in other words, some believe the prime motive to this change of abode (if you will) was the call of Abraham directly following this passage. It could be that the death of Haran loosened Terah's attachment to his homeland. Maybe he began to view Ur as unlucky. After all his son died before and in his presence, and his daughter was childless and unable to conceive. And so maybe he thought that a change of scenery would change his luck. Maybe Terah was designed to fulfill the one meaning of his name and wander. Maybe he was the kind of guy who normally didn't settle down but always kept looking at the horizon, kept dreaming, kept longing for more. But whatever the reason the fact remains, Terah got up, took his family and headed off to Canaan. It was the design of Terah himself to settle in Canaan. And so he set out from a place of hurt to a place of hope.
So Terah headed off towards Canaan. The route from the Ur of the Chaldeans went directly through the town of Haran, which was about halfway between Ur and Canaan. Haran was apparently a settlement that had been established by Terah's son Haran, or to which at least his name had become attached. The family was originally from there before they move to Ur of the Chaldeans. In the Hebrew language, the language that the OT was written in, the place name Haran begins with a different consonant than the personal name Haran. But no doubt that coming to the town that bore the name of his dead son caused Terah to relive the pain of losing his son. All those emotions and pain that he tried to push down, I am sure resurfaced. I truly believe that his pain and loss derailed his journey. Terah had to pass through a place that reminded him of his greatest relational pain. To get to the land of hope, he had to again go through hurt.
The next scene we see is that when they arrive in Haran, they settle there and that is where Terah died never ending his journey in Canaan. He had a dream to make it to Canaan but the dream died with him in Haran. Instead of moving forward in his journey, he "dwelt" in Haran. The word dwelt indicates that they remained there for an extended period. It was no mere overnight stop by a group of pilgrimage at a hotel. Now there is a lot of speculation on why Terah's journey to Canaan was derailed. Many believe that it had to do with his health. Maybe it was failing health that made them stop and dwell in Haran. Maybe it was that he came down with a disease and could physically go no farther. Or maybe his journey just got stuck. Maybe he just thought that he didn't deserve to hope, to have a better life. Maybe he thought, this is all there is and I should stop dreaming and just settle. Terah is the picture of a man who caught a sense of something more, of something new but stopped along the way and settled and never reached it. His journey never made it to Canaan, the land of hope.
The last scene that we see is the sad ending of the story in verse 32, "Terah lived 205 years, and he died in Harran." His journey derailed. His journey stuck. His journey, I am sure, didn't end up the way that he had hoped it would when he set out from Ur of the Chaldeans years before. He settled for less. His losses began to define him. His relational wounds overcame him and stagnated his journey. His pain derailed the journey to the land of hope.
How many of us mirror in our lives what happened to Terah? Maybe we began this faith journey with hope, excitement, and passion, but now we are stagnant, bitter, disillusioned with people and the church, and we are stuck. Maybe we have some significant relational wounds. Maybe we have witnessed the physical death of someone and it has shaken us or maybe we have witnessed the relational death of some relationships that at one time were strong and those relationships were helping us to continue the journey. And now we feel like settling for less. Maybe God put a vision, a dream, a goal in our life and we dream, planned, and took steps toward those things but now it seems like we are stuck. That our dreams are dead or dying. That we have lost hope or we are in the midst of losing it. Maybe you are feeling stuck in your journey and you don't know how to get it unstuck.
We are going to spend some time now talking about our journeys and how they might mirror the journey of Terah's. We are going to share honestly about where we are on the journey. Where we are "dwelling" or feeling stuck? And what things have sidetracked or derailed us? And maybe what relational wounds we have had to deal with that have caused us to "dwell" where we currently are. I'm praying that we can be open, honest, and full of grace as we dialogue about some real issues today around our journeys.
Discussion Questions: 1. What are your thoughts, comments, insights, questions, push back, etc… when it comes to Genesis 11:27-32 and the message? 2. What are some of the visions, dreams and goals that you have for your life? Where are you with them in the midst of your journey? How can our community help you continue to move forward in your journey towards those visions and dreams? 3. Where are you currently dwelling in your journey? Are you "dwelling", feeling stuck, or are you moving forward in your journey? If you are dwelling and feeling stuck, what do you need to start moving and to get unstuck? How can Veritas help? If you are moving forward, what has helped you continue the journey? 4. What is God saying to you and what are you going to do about it? What is God saying to us and what are we going to do about it?


text:
The Global Justice Committee met via zoom today. The purpose of the committee is to connect and network regarding justice issues across the SCN Congregation, to promote international efforts, and to learn and collaborate regarding global justice issues. Thus, the hope of a systemic justice priority across the Congregation.
Members today shared around the zoom table (reflective of A Place at the Table prayer- CL Installation) what they could bring to nourish members of the committee. In addition, members shared around the Sustainable Development Goals (SDGs) as it relates to their geographic locations and how they are working to network, minister, and advocate around global justice issues. Members look forward to seeing how systemic change will complement the SDGs. Members were most appreciative of communication teams that have brought global justice issues to the attention of the Congregation. Lastly, members shared what would be helpful to keeping in touch between the two zoom meetings.


text:
If the TV show Titus premiered today, hardly an eyelid would bat. In the past few years, television viewers have come to love the anti-hero: a science teacher turned meth dealer; a serial killer with a code; an alcoholic ad exec. But when comedian Christopher Titus' eponymous series premiered in 2000, the dark comedy was considered groundbreaking. Titus was loosely based on the titular character's real life, making his remembrances of abuse and neglect, and his no-holds-barred interactions with his friends and family--particularly his crass, womanizing father (played by Stacy Keach)--all the more cringe-inducing.
When Titus ignored network honchos' request to include a story arc based on a fictional situation, his show was canceled. And to this day, Titus continues to do things his way, including on his new tour, "The Angry Pursuit of Happiness," which hits Boise Friday, Dec. 13. Titus will deliver the same brand of unflinching, brutally honest stand-up as he does in his grip of comedy albums and specials, as well as on his popular podcast--the tagline of which is "never unbiased and always unbalanced"--featuring Rachel Bradley, a.k.a. Bombshell Rae, a fellow comic, the tour opener and Titus' wife.
Comments are closed.


text:
The following tests are commonly employed to measure work ability.
(a) Slump Test
(b) Compacting Factor Test
(c) Flow Test
(d) Kelly Ball Test
(e) Vee Bee Consistometer Test.
Here we will discus about Slump test. Because slump test is one of the most important test while we are determining the work ability of concrete.
Slump Test :-
Slump test is the most commonly used method of measuring consistency of concrete which can be employed either in laboratory or at site of work. It is not a suitable method for very wet or very dry concrete. It does not measure all factors contributing to work ability, nor is it always representative of the place ability of the concrete.
The pattern of slump is shown in Fig. It indicates the characteristic of concrete in addition to the slump value. If the concrete slumps evenly it is called true slump. If one half of the cone slides down, it is called shear slump. In case of a shear slump, the slump value is measured as the difference in height between the height of the mold and the average value of the subsidence.
Apparatus :-
The Slump Cone apparatus for conducting the slump test essentially consists of a metallic mold in the form of a frustum of a cone having the internal dimensions as under: Bottom diameter : 20 cm, Top diameter : 10 cm, Height : 30 cm and the thickness of the metallic sheet for the mold should not be thinner than 1.6 mm Weights and weighing device, Tamper ( 16 mm in diameter and 600 mm length), Ruler, Tools and containers for mixing, or concrete mixer etc.
Procedure :
- Dampen the mold and place it on a flat, moist, nonabsorbent (rigid) surface. It shall be held firmly in place during filling by the operator standing on the two foot pieces. Immediately fill the mold in three layers, each approximately one third the volume of the mold.
- Rod each layer with 25 strokes of the tamping rod. Uniformly distribute the strokes over the cross section of each layer.
- In filling and ridding the top layer, heap the concrete above the mold before ridding start. If the ridding operation results in subsidence of the concrete below the top edge of the mold, add additional concrete to keep an excess of concrete above the top of the mold at all time.
- After the top layer has been rodded, strike off the surface of the concrete by means of screeding and rolling motion of the tamping rod.
- Remove the mold immediately from the concrete by raising it carefully in the vertical direction. Raise the mold a distance of 300 mm in 5 ± 2 sec by a steady upward lift with no lateral or torsional motion.
- Immediately measure the slump by determining the vertical difference between top of the mold and the displaces original center of the top surface of the specimen. Complete the entire test from the start.of the filling through removal of the mold without interruption and complete it within 2½ min.
- If a decided falling away or shearing off of concrete from one side or portion of the mass occurs, disregard the test and make a new test on another portion of the sample. If two consecutive tests on a sample of concrete show a falling away or shearing off of a portion of concrete from the mass of specimen, the concrete lacks necessary plasticity and cohesiveness for the slump test to be applicable.
- After completion of the test, the sample may be used for casting of the specimens for the future testing.
|Slump Test
|measurement of slump test
Observation :
- The vertical difference between top of the mold and the displaces original center of the top surface of the specimen ………… mm
- The pattern of slump is shown True Slump/Shear Slump/ Collapse Slump/Zero Slump.
Result :
The slump of concrete ……….. mm indicate Low/ Medium/ High Degree of work ability


text:
Our fall style shoot took place at Aalto57 located on the UES. We had to find out what sets these units a part from others.
ATHLEISURE MAG: What is the meaning behind Aalto57?
AALTO57: The boutique rental building's name—Manhattan's prestigious 57th Street—its elegant design. Inspired by Alvar Aalto's iconic vase, the tower's sculptural architecture reflects classic concepts of design both inside and out. The curved silhouette is made from Italian glass and gives the 65-story tower a sculptural silhouette from every vantage point, and of course its location
AM: Tell us about the model unit's interiors
A57: (The 2-bed, 2-bath C line model unit) The unit was decorated by Eduardo Rodriguez, the principal of DSGNR, LLC. A Venezuelan native, Eduardo is a former Fashion Designer turned Interior Designer who has designed for television shows and commercials. His modern design style is minimalist with clean lines, bringing in color through furniture, accessories, paint and fabrics to reflect the owner's lifestyle and individuality.
AM: Tell us about the open floor plans in your units?
A57: The 169 studio, one-, two- and three-bedroom residences redefine luxury rentals with quality, condo-like finishes and high-end appliances. The spacious, open floorplans are complimented by 9-foot ceilings and curved-glass walls designed to flood the residences with natural sunlight. Residences on the ninth floor have private terraces, while a selection of additional units offer private balconies.
AM: Who are the creators/development team behind this property and when did it open?
A57: World Wide Group and Rose Associates are the renowned New York real estate developers behind the Skidmore, Owings & Merrill (SOM)-designed glass tower which opened its doors in August 2016.
AM: What amenities are offered?
A57: Aalto57 sets itself apart from other rentals, and even many condos, due to the second-to-none elite services are offered at the building. It is one of the few rental buildings that will grant residents with exclusive access to the premier concierge and lifestyle management company Luxury Attaché. Residents will have their own onsite Attaché charged with providing them with customized and unprecedented experiences, such as move-in/out coordination, travel, event planning and gifting, and access to trusted child and pet care services. Additional building amenities include exclusive access to a landscaped terrace designed by Mathews Nielson Landscape Architects with a fire pit on the seventh floor, as well as a fitness center, resident's lounge, business center and conference room, field house with a basketball court, kids playroom, Bosch washer dryers in every apartment, access to Spot 57 for pet care, bike room with a DIY tune-up station, onsite residential manager and a 24-hour doorman.
AM: What is behind the design of the lobby?
A57: An atmosphere of calm, comfort and style envelopes you from the moment you step into the SOM-designed lobby. One of the many stand-out elements in the lobby is a wall that is comprised of five glass panes with a banding of mirrors and frosted glass, which creates an abstract moment. The lobby also features a skylight that offers views straight up to the top of the building.
AM: What are elements of note in the neighborhood that residents will enjoy from a culinary as well as a fitness perspective?
A57: Aalto57 is located in Manhattan's most elite Midtown neighborhood: Sutton Place. The area is a true dining mecca with opulent offerings such as Mr Chow, Betony and Le Cirque. The building is within walking distance to Central Park and the East River, popular fitness options such as Soul Cycle (located directly across the street) and Equinox, worldclass shopping destinations including Barneys New York and Bloomingdale's, and famous cultural institutions like MoMA and The Met. Residents can also enjoy the convenience of having a Whole Foods right next door!


text:
American Crafts Color Pour COOL Foil Flakes 353813353813
To use this awesome feature, you need to be logged in to our system!
You do not have any subscriptions to add this item to!
You May Also Like...
swipe for more!
American Crafts
American Crafts Vicki Boutin VELLUM BUTTERFLIES Layered Stickers Wildflower and Honey 352259
American Crafts
American Crafts Shimelle COLOR WHEEL Field Trip Die Cut 12x12 Inch Cardstock 352207
American Crafts
American Crafts Vicki Boutin CARDSTOCK ICONS Wildflower and Honey Ephemera 352262
American Crafts
American Crafts Vicki Boutin BUTTERFLIES VELLUM 12x12 Inch Wildflower and Honey 352252
American Crafts
American Crafts Vicki Boutin 6x8 INCH WHITE FOUNDATIONS 140 LB Smooth White Cardstock 354114
American Crafts
American Crafts Vicki Boutin WILDFLOWER GOLD HOLOGRAPHIC Chipboard Stickers 352255
American Crafts
American Crafts Vicki Boutin FRAMES AND JOURNALING Ephemera Wildflower Honey 352263
American Crafts is the leading source for colorful and stylish crafting supplies. The American Craft brand strives to produce innovative, well-designed products for scrapbooking, memory keeping and paper crafting. American Crafts offers a wide selection of high-quality items, including cardstock, stickers, albums, ribbon, embellishments and craft tools. Each brand of the American Crafts family - American Crafts, Pebbles, Crate Paper, Studio Calico, Becky Higgins Project Life, Imaginisce, Bazzill, Pink Paislee and Heidi Swapp - maintains a distinctive style, ensuring a wide range of designer collections. A commitment to style and quality ensures we provide our customers with top products at competitive prices.


text:
TSO Tadoe- ChargeUp (Official Video)
So I didn't even know Tadoe dropped a new mixtape. This video popped up in my Youtube feed and I added it to Our Hot410 Continue Reading
So I didn't even know Tadoe dropped a new mixtape. This video popped up in my Youtube feed and I added it to Our Hot410 Continue Reading
Bandhunta Izzy is blowing up quickly using his major label connections to jump on some big waves. We've been waiting to hear a new mixtape Continue Reading
BIg moment with Tate Kobang & President Davo running it up!! I love this joint!! Lets get it!! Continue Reading
Baltimore's Own YGG Tay released more visuals from his "Rich Before Rap 2" mixtape. Enjoy the Flossing!! Continue Reading
While working out his label issues MMG drops more visuals from his "Wins & Losses" album. Enjoy the visual!! Continue Reading
The big homie Nipsey Hussle finally released the first single off his highly anticipated "Victory Lap" album after signing his label deal with Atlantic records. Continue Reading
This video is hilarious!!! Shout out to Wish Granted for the cameo!! I'm not sure this is a real song or a parody but it's Continue Reading
We officially going back into Meek season!! Are you ready? It's Turn Up time for the Young MMG Boss. Let's say Rick Ross can rest Continue Reading
T Wayne & Luke Nasty get together to drop some freak heat for the summer. Hopefully we can keep these dope records comings. I may Continue Reading
OOooooooooooowwwwww Chaz & Curren$y spitting that pimp shit on the same track is straight butter!! Pressplay & spread this on some toast!! I'm all in Continue Reading


text:
Why Apple Introduced a 64-Bit Processor, Simplified
It's been about a month since Apple debuted its new iPhone 5s running a 64-bit processor, and there's been a lot of back and forth about the significance of such a chip in mobile devices. To shed a little light on the topic, let's take a look at what exactly a 64-bit processor is, its possible benefits, and its impact on Apple's mobile future.
It's all marketing talk, until it's not
After the iPhone 5s launched, Qualcomm's senior vice president and chief marketing officer, Anand Chandrasekher, said this about the 64-bit processor: "I think they are doing a marketing gimmick. There's zero benefit a consumer gets from that." But this week, Qualcomm retreated, saying Chandrasekher's comments were "inaccurate."
His comments weren't really that far off base, however -- at least not right now. To understand what Chandrasekher was getting at, we need to understand what a 64-bit processor is, and how it works.
Think of the standard 32-bit mobile processor as a guy sitting down to have a conversation with three people. Our conversationalist could handle several comments from three people, process what they say, and respond to their questions fairly well. But let's say that we add 20 people to the table. He now has to handle conversations and questions from 23 individuals. He's going to get overwhelmed, and he won't be able to respond as well as he could with just three people.
Instead of conversations, computer processors talk in integers and, like the man in our example, they can only take in and process so much at a time. While a 32-bit processor can only handle a chunk of calculations from up to 4GB of memory, a 64-bit processor can handle a nearly infinite amount of integers -- lots of conversations, from lots of sources.
The beef Qualcomm's exec had with Apple's new 64-bit chip is that the iPhone 5s only has 1GB of RAM -- so being able to process data from more than 4GB of memory is essentially a non-issue.
But that's not to say that Apple's 64-bit A7 chip is insignificant. The move is part of a larger strategy of Apple's to position its mobile operating system and its flagship device for the future of mobile. iOS 7 was revamped to handle 64-bit hardware, a move that will likely make a difference in the company's iPads before it matters much in the iPhone. The iPad possesses much more processing power and memory, and would likely benefit from a 64-bit processor sooner than the iPhone will. But adding the chip to the 5s positions future iterations of the device to handle more complex apps, and encourages developers to create apps that can benefit from the increased processing capabilities.
For now, Apple investors should think of the 64-bit technology as an investment in the company's mobile future. Apple is positioning itself to benefit from a changing trend, and this decision sets Apple up to use similar technology in more powerful future iPads and, eventually, iPhones with more than 4GB of memory. So, while it may not mean Apple has surpassed all other smartphones with its processing power right now, it does mean that it's one step ahead of the competition
Apple's future depends on a few key secrets
If someone asked you, "Why invest in Apple?" -- could you truly answer them? To be honest, few investors could. That's because most of the company's secrets -- the ones that make savvy market watchers rich -- often fly under the radar. If you want an edge on other Apple investors, be sure to check out "5 Secrets to Apple's Future" from The Motley Fool. This 100% FREE guide includes actionable advice that you can put to use right now! Just click here now for instant access!
The article Why Apple Introduced a 64-Bit Processor, Simplified originally appeared on Fool.com.Fool contributor Chris Neiger has no position in any stocks mentioned. The Motley Fool recommends Apple. The Motley Fool owns shares of Apple and Qualcomm. Try any of our Foolish newsletter services free for 30 days. We Fools may not all hold the same opinions, but we all believe that considering a diverse range of insights makes us better investors. The Motley Fool has a disclosure policy.
Copyright © 1995 - 2013 The Motley Fool, LLC. All rights reserved. The Motley Fool has a disclosure policy.


text:
Mineral Powder Foundation (Pan)
Kim Porter Beauty
Magnetic pan fits in the Medium or Large Palette.
Mineral enriched powder foundation with buildable coverage for a sheer to opaque finish. Minerals condition the skin and add a subtle luminosity. Vitamins A & E condition skin and provide antioxidant protection.
To set foundation, swirl a large powder brush onto powder, tap off excess, and apply over the entire face. For an opaque, powder finish use a sponge to apply.


text:
mystic reflections
jillian rose
>> I learned <<
deer are magic,
& so is the moon.
to be still and listen
& trust my intuition.
that the woods wash the anxiety away.
detachment &
that we are made of stardust.
chicken butts pucker incessantly.
yoga helps; good food helps.
alone does not mean being lonely.
to burn intentions in the fire.
sunshine makes me happy & also sleeping bags.
that barred owls sometimes sound like monkeys. (when they really get going)
the names of trees & birds & wildflowers.
that shadows are blessings,
the mind is a mirror
& you can choose your own reality.
something about a new paradigm.
to open my heart.
to sleep with a corn bag.
the light makes the shadows.
to remember my roots.
at night, I am a butterfly.


text:
Selecting Your Architect
How does one choose an Architect? This process is similar to how one would select a lawyer, doctor, or other professional. The most important factor is picking someone that you feel comfortable with and can easily communicate with. There should be many conversations between the Architect and the Client. There should be a mutual respect – the Architect respecting the Client's dreams and desires and the Client respecting the Architect's knowledge of the industry.
1. Prepare to meet with an Architect.
Prior to contacting your prospective Architect, take some time to prepare yourself. Write down the names of all the spaces you feel you may need. If you have an idea for the size of the room or spaces, or if there are special relationships between the spaces, write it down. This information will help the Architect better understand the scope of their work. The scope will be discussed in more detail as the project goes into the programming phase.
2. Interview the Architect that will work directly with you.
Make sure you are interviewing the person or people you will be working with. Some firms will send in their best Architects for the interviews, and then pass you off to an inferior after the agreement is in place. Interview the Architect who will be directly responsible for your project. This Architect will be your primary contact thought the design process. Ask about the consulting Engineers that might be required. You want to make sure your Architect has a positive relationship with them; they are an important part of the Architectural team.
3. Question the Architect about projects they have completed that are similar to yours.
Though it is not necessary, you may want to find an Architect who has some experience in designing the type, or function, of the building you want. They do not need to work exclusively with this type of building design, but should have some experience. Also ask your potential Architect to provide some back ground information on their firm. This could include the number of projects similar to yours they completed, how much business they receive, the size of their firm, and the number of projects your potential Architect will be handling in addition to yours. A reputable Architect should also be willing to give you contact information from existing Clients with projects similar to your own.
4. Review the design process, scheduling and budgeting with your Architect.
Next, you should talk about design processes, scheduling and budgeting. The Architect should be able to outline the general process of design, although there are processes that you can choose from. For example, one design process allows the Architect to design the facility and then allow multiple Contractors to bid it and you can choose the bid you prefer. Or, you may wish to select a Contractor from the beginning and use their guidance to build a project that meets your budget. Each of these options can affect your Architectural fee, overall budget, construction labor costs, and timeline.
The Architect should be able to give you a rough timetable for design and construction. The selected Contractor will have a major role in scheduling and until they are consulted, a hard move-in date cannot be established. Overall, the schedule needs to be realistic, and the Owner will need to be punctual in providing answers to the Architect to maintain the schedule. In every project, there are uncontrollable factors, such as weather, that may affect the schedule. Setting a Budget for a project is a topic we covered in our last post, so be sure to read that valuable information. In basic terms, once a scope of work is developed the Architect can hire a cost estimator and you can reduce or increase the scope based on how the costs fit within your budget.
5. Hire a local Architect.
Hiring an Architect that is familiar with the geographical area where the project is or will be located is to your benefit. The local Architect will be knowledgeable on the area's governing authority's requirements and the reputations of general Contractors that could potentially build the project. These Architects will also be more aware of any unusual conditions that affect structures and/or construction on the proposed location of the project. If after meeting with your local Architect you do not feel they can perform the work, try another semi-close Architect or suggest they hire another consulting Architect. Regardless, having the local Architect involved has proved crucial to the success of many project's politics, budget, smooth construction process and more.
6. You get what you pay for and you will be required to enter into a contract.
With Architectural fees, you get what you pay for. You will not want bottom dollar Architectural fees if you want a good building where the project runs smoothly from design to construction. If you don't understand some part of the Architect's proposal, ask them to restate it in simpler terms. Architects often assume potential Clients know their acronyms. Do not hesitate to ask for clarification. Architects are required by insurance to have each Client sign a contract. This can be a simple in-house contract or can be a contract drafted by the American Institute of Architects, or AIA, and these can be lengthy. The AIA contract is recognized as a "neutral" document that is fair to both parties. The Client may want to ask their attorney to review the document if it is not easily understood. Most in-house contracts are simple to understand and can usually be reviewed without a lawyer but the option is always available to the Owner.
If you have not already, be sure to check out our free guide "How to Hire an Architect". It is an extensive resource that we created to help you find the right Architect. If you are in search of an Architect, allows us to sit down with you. We are confident that we could meet your qualifications of quality design.
Blog written by Merrill K. Gordon and the Agora Team


text: Belonging combines pure natural silk in vibrant colours with hand-made nuno felting and embroidery, traditional Japanese kimono drapery and strong lines. Straight from the collection's premier runway in New York City, there is only one of each look available, in either size 8 or size 10, making each look truly exclusive. Find out more about Belonging.


text:
Let's dispense with witty introductions, shall we? ... I am SO in love with this baby, but also feel like my life is on the receiving end of a regular ass-kicking these days. For one, I can't seem to keep up with housework. EVER. And coming from someone who isn't generally too nit picky about housework, you know things are bad if I'M feeling like the house is untidy. I could run through a whole list of things, but basically I feel like I am constantly running behind the ball. Quite a change from before, when I could let things slide for a day and then do catch-up later on if I wanted to.
The main reason it's difficult to get anything done is because the little stinker wants to be held or carried all the time and I can't put him down. I tried putting him in the Bj*rn and doing my "chores" like I did with the Shookie and he just cried and cried. I don't think he liked the way that it was holding him, so I'll be taking a look around for another one soon if this keeps up. (There's a store down the street that sells the Ergo, so that's likely the one we'd get.) I told my Mom about this, and she was so sweet in telling me that she clearly remembered "those days" (especially with my brother). But she also reminded me that soon, the baby will be sitting up and able to entertain himself a bit with toys, etc. That was very helpful, and I have to say that I'm already catching a glimmer of those days coming up on the near horizon.
Compounding everything is ... my body. You know, I was going to say that I didn't expect to come through this pregnancy without any changes, but in a way I think I did. I think I expected it to go back to looking/feeling/moving the way it did after my first pregnancy. You know, relatively minor changes overall, something along those lines. I have been totally caught off guard by the havoc that this pregnancy has done wrecked on my body, especially to my stomach. I came through my first pregnancy with only a few stretch marks (which showed up AFTER the Shookie was born, oddly enough.) I can't even begin to describe how horrible the stretch marks I'm now carrying are. I think it's the result of the baby lying transverse with his back very firmly pressed across my belly. My skin was stretched beyond imagination, and the skin has been left feeling like stretchy tissue paper.
One of the worst things ever was having to tell T that, while my stretch marks would lighten up, which they have already begun to do, they will be there permanently. As in, until the day I die. It's discouraging to know that I can't even get rid of them with surgery someday because half of them are above my belly button. He doesn't care really, and tells me all the time that he still thinks I'm sexy, but I could still tell he was surprised to hear that these changes will be permanent.
Speaking of sexy ... that is something I most definitely don't feel. I haven't been thin for a long time, but I've generally been comfortable with my body despite the extra weight I've carried around. It hasn't impeded my feeling sexy or sexual with T other than the fleeting thought of, "I wish I were more thin" when we were together. No longer! I now completely understand why some women prefer to turn out the lights when being intimate with their spouses. For the first time in my life I find myself feeling embarrassed for my husband to see me neked.
The first time we were intimate after the baby was born, I was so distracted by how my body looked, felt and moved I could hardly pay attention to what was going on. How's that for being an engaging participant. Sex-y! =P I actually covered my stomach when I got up, I was feeling so self-conscious. Again, let me reiterate that my husband could care less about all of this. In no way does he ever, ever make me feel less than desired/desirable. I thank God every day for this man, who loves me just the way I am, stretch marks and all. It's ME that's having a hard time with me.
I don't want to go the rest of my life feeling like this, and I realize I have control over what I think about myself and my body, but I'm having a hard time looking past all of these changes right now. Please, tell me that this will get better!
On a brighter note, I should be receiving an early birthday present in the mail sometime this week. After years of drooling over other people's pictures, I finally got up the courage to ask for a "real" camera. I managed to do this, completely unwittingly I might add, while my Dad was here for the Shookie's birthday. Lo and behold, he and T decided to grant me my wish NOW rather than waiting until June. Woo-Hoo! I can't wait to get my hands on this beauty, especially after paying HALF what it usually goes for through Ebay. We'll immediately be adding this lens to it, and then a speedlight to help with the lighting on all the indoor pictures I take. I am.SO.excited!!!!!! I can't wait to post my experiments here, although I ask that you bear with me ... I am really, really starting from the beginning here. Don't expect me to post anything this beautiful for a long, long time. But I WILL try to get there!
No idea when I'll get the time to write again, so in the meantime I hope you and yours are happy, healthy and well, wherever you are. XXXX


text:
A Trip to the Auto Show
A visit to the Washington Auto Show reveals public reaction to new cars on the market.
LIANE HANSEN, host:
You're listening to Weekend Edition, from NPR News.
This past week, the Ford Motor Company made public its plans to close 14 plants and to eliminate 30,000 jobs over the next six years. Thursday, General Motors announced that it had posted a deficit of 8.6 billion dollars last year, the company's worst loss since 1992.
The flow of red ink at the two big automakers did nothing to slow the flow of car enthusiasts at the Washington Auto Show. This weekend it's drawing big crowds to the City Convention Center, which happens to be across the street from NPR. So yesterday we walked over and talked to people abut the wheels they saw.
Mr. FRED DANIELS: My name is Fred Daniels and I'm from Columbia, Maryland.
HANSEN: You're taking a picture of that red convertible over there?
Mr. DANIELS: Yeah. The Mercedes Benz', the coupes, I guess I'm going through a mid-life crisis (laughs) and I need to check out the sports coupes. I never had one before, so, now the kids are grown and out of my hair.
HANSEN: The show went beyond cars; teenagers were mesmerized by a series of TV's showing the skateboarding video game Tony Hawk's Underground Two. In Jeep country, drivers could go up bumpy hills and over a big bridge. Lynn Alfala(ph), of Alexandria, Virginia, braved the Jeep course with three friends.
Ms. LYNN ALFALA: I'm actually looking at an SUV, maybe not this year, but just trying to get an idea of how they ride, because they are big cars. And also looking at mileage, things like that.
HANSEN: She was not the only SUV shopper at the show.
Mr. RICH LOHASKEY(ph): I'm Rich Lohaskey, and that's...
Ms. DENISE LOHASKEY(ph): I'm Denise Lohaskey. We're from Bryantown, Maryland. I'm in one of the brand new, top of the line Explorers.
HANSEN: Ford Explorers?
Ms. LOHASKEY: Yep.
HANSEN: In the driver's seat.
Ms. LOHASKEY: I was actually looking at the Edge, across the room, and I really, really like that one. We'll probably look at a variety today.
HANSEN: Uh huh.
Ms. LOHASKEY: Not necessarily just Fords.
HANSEN: Tell us your name and where're you from?
Mr. RONNIE GILCHREST(ph): Ronnie Gilchrest, Upper Marlboro, Maryland.
HANSEN: Do you drive an Escalade?
Mr. GILCHREST: Yes, I've been driving an Escalade for about three years now.
HANSEN: What do you like about them?
Mr. GILCHREST: It's a gorgeous machine. I may get a divorce, you know, when I buy this 2007. (Laughs) My wife may leave me now, but I got to have it.
HANSEN: The auto industry's equivalent of carnival barkers try to lure drivers over with drawings, giveaways, and tantalizing hints of future cars.
(Soundbite of auto show barkers calling out offers)
HANSEN: Voices from the Washington Auto Show this weekend at the Washington Convention Center. It's 22 minutes before the hour.
Copyright © 2006 NPR. All rights reserved. Visit our website terms of use and permissions pages at www.npr.org for further information.
NPR transcripts are created on a rush deadline by Verb8tm, Inc., an NPR contractor, and produced using a proprietary transcription process developed with NPR. This text may not be in its final form and may be updated or revised in the future. Accuracy and availability may vary. The authoritative record of NPR's programming is the audio record.


text: Keeping Energy Efficient Using a Heat Recovery Ventilator in Your Ocala Home So you're livin' large in a northern region, i.e., any location northwest of the Florida panhandle. Ok… you're maybe slightly further north. And you've heard how valuable indoor air ventilation can be for indoor air quality. But, you think to yourself, "won't all my warm air just float away if I expand my ventilation?" That's where the Heat Recovery Ventilator comes in. With two fans set at different sides of your house—one for blowing in fresh air, the other for blowing out stale air—the heat recovery ventilator directs air through many ducts past the heat exchanger. Now the heat exchanger is like a cop at a checkpoint, checking to see if the stale air includes heat. If there's heat in the outgoing stale air, it relocates it to the incoming fresh air, but continues to push the contaminants and odors down the duct. Now your home has ventilation that boasts high energy efficiency. The heat recovery ventilator is perfect for colder climates. It's also ideal for newer or remodeled, tightly-sealed homes that can have pockets of stale and/or contaminated air. If you reside in a warm zone, you may want to look into getting an Energy Recovery Ventilator instead. If you live in the Midwest, you'll most likely benefit from having both. Improve your air now, by calling Service Experts Heating & Air Conditioning in Ocala today. Our experts will blow away the stale air in your home while maintaining your heat, saving you money, and improving your indoor air quality. We provide quality equipment choices, knowledge and expert service — for all makes and models, 24 hours a day. Call us at 352-414-4006.


text:
Club Activities
Club Activities
We also have a private Facebook page where our events are posted. Only members are allowed on our private Facebook page.
Playgroups offer a great opportunity for moms to meet on a regular basis and for our children to play together.
Monthly Member Business Meeting
Once a month we hold a member meeting to discuss upcoming events, community service projects and vote on club business.
Book Club
We meet once a month at a member's home and have storytime and a themed craft with the kids.
Cooking Club
We meet once a month at a member's home for a potluck themed lunch and socialization.
Craft Club
We meet once a month at a member's home and work on a craft together put together by one of our members.
Tea n Tots
We meet twice a month at a member's home and socialize while the kids play.
Park days
We love to go to the park! We host several park days per month; weather permitting of course
Mom's Night Out
We take a night off once a month to have dinner, see a movie, bowl, or just hang out! We are always looking for new and fun things to do.
Disclaimer: In order to receive a free webpage for our chapter's site, neither our chapter nor the International MOMS Club® endorses any advertiser on this site, and we do no benefit in any way from this advertising.


text: Welcome to Las Salinas de Janubio, a salt farm on the Western coast. Like the senmaida of Japan's Noto Peninsula, the salt fields are an agricultural heritage site. It has fewer visitors, however, and I'm not sure why. Las Salinas has neat squares of my favorite colors, celadon and rust and nothing quite white, and angry gulls shouting their annoyance. Yet another form of coastal manipulation, here are some quick shots from a late afternoon.


text:
Tonic by Staci Hart
Joel Anderson doesn't take anything seriously.
Not his relationships, which have been few and far between since his brutal divorce. Not the drama of working in a tattoo parlor, which seems to be around every corner. When things get him down, he smiles and cracks a joke. But he's not the kind of man you cross, or you'll find yourself at the wrong end of his fists.
Annika Belousov takes everything seriously.
Like her job as a reality television producer, given that she typically has something to prove. Or her love life, which is defined by a series of requirements — affluent, ambitious, accomplished, to name a few. Definitely her family, who worked their whole lives to afford her every opportunity, a sacrifice she doesn't take lightly. When she's tapped to produce a reality show at Joel's shop, she doesn't think twice, just goes in for the kill, as if there were any other way.
The second Annika walks into Joel's shop, he makes it his mission to crack her open, but she's not having it. He's all wrong — too crass, too hairy, too un-serious. But it doesn't take her long to find out there's more to him than smirks and tattoos. And what she finds could put her career and his heart on the line.
Not that Joel cares. Because for the first time in a long time, he's found his tonic.
ellie's $0.02:
Goddamn. Ms. Quirkybird can write a damn good book. In a way, I kind of hate Staci for worming her way into my black heart and making me love her and her books so much. Tonic is one of those books that I hated it ending. No, not THE ending, just that the book ever ended. I wanted more of these characters. So. Much. More.
One of the best parts of this book is the characters. Preliminary election results showed some dislike for Annika. Personally? I think she literally stole the fucking reality show she was producing. Pun intended. Don't get me wrong. Joel is all hot and alpha and tattooed and bearded and yum. But Annika was a bitch. A feisty ice queen. But not really. And to watch this character change and develop and discover... wow oh wow.
...and let's not forget supporting characters. Laney. I can't even go there with you right now.
Regardless of my analyzing of each characters, let's get to the real point. This was my first Hart read. And I heart it. She stole my heart. Get it? I'm so punny in this review. ANYWAY. My socks and panties were knocked right off with the entertainment value this brought in my life. The plot was fun and different, I'm always a fan of tattoo books and love to see what authors can come up with surrounding hot tattoo artists. I was pretty impressed with this story line. Some tears. Some laughter. Some anger. Some hot fucking. Some crazy ass bitch characters. This one is sticking in my brain for awhile. Yeah. I like dis shit.
I don't know where Staci has been all my life. But she's stuck with me now. Or I'm stuck with her. Who knows. We live like minutes apart, so this could be dangerous for all parties involved. If you haven't discovered this author yet, trust me... it's time. I was way overdue. Don't be like me.
"But in the end, a copy of an original is never as good. Like a fax, distorted by perception, made grainy by misinterpretation."


text:
Farmers Market Iceland
Farmers Market Iceland
Iceland has served as a special place in our lives. We first visited almost five years ago and have since gone back every year. It's a magical place filled with wonderful people, nature and food!
We were so excited to work with Farmers Market, an Icelandic clothing label, on a road trip around the island. From the color palette, to the quality of the items, they fit perfect in this Arctic landscape, and will be clothes we hope to hold on to for years to come.


text:
Bajo Rodríguez – Property for Sale
Bedroom(s): 2 | Bathroom(s): 1
The house is 1400 sq ft (130 square meters).
The property is 5.1 acres.
Really beautiful property for sale in the small town of Bajo Rodríguez – just 20 miles away from San Carlos, 90 minutes from San José, and only 30 minutes from La Fortuna and its amazing natural wonders!
The property is completely accessible to all types of vehicles and its the perfect location to enjoy nature – the rain forest, sunrises & sunsets, birds and sloths. Spend your day surrounded by peace!
House and Property
A small house is currently on the property and includes 2 bedrooms, kitchen, 1 bathroom and inner pool (fed by fresh water, so no water filters are installed).
Average temperature is 80 degrees year-round, electric and water services are installed an in perfect working condition.
This property is surrounded by a small stream of water, where you can see dart frogs, green macaws and many more birds.
Enjoy nature!
Take the opportunity to own a property in the rain forest area of San Carlos – a very quiet community close to volcanos, rivers and more!
Price: $110,000
For more information contact Roberto Torres at (506) 8998-9529 or click here.


text:
2000 Ford Contour Vacuum Diagram – Here you are at our website. Nowadays we are excited to declare that we have found an awfully interesting niche to be discussed, that is 2000 ford contour vacuum diagram. Some people trying to find specifics of 2000 ford contour vacuum diagram and definitely one of them is you, is not it?
Description : Ford Contour V6 Vacuum Diagram 1998 Dohc Sfi Helpful – Fixya with regard to 2000 Ford Contour Vacuum Diagram, image size 1000 X 731 px, and to view image details please click the image.
Here is a photo gallery about 2000 ford contour vacuum diagram finish with the description of the image, please see the image you need. We hope this article can assist in locating the information you want. 2000 ford contour vacuum diagram is among the most pics we located on the net from reliable resources. We decide to explore this 2000 ford contour vacuum diagram picture here because according to info from Google search engine, It really is one of many best queries keyword on google. And that we also think you arrived here were trying to find this info, are not You? From many options online were sure this picture could be a right guide for you, and we sincerely we do hope you are delighted by what we present.
Description : Full 3.0L Vacuum Diagram W/o Egr pertaining to 2000 Ford Contour Vacuum Diagram, image size 1000 X 720 px, and to view image details please click the image.
There are lots of the reason why you are researching for info about 2000 ford contour vacuum diagram, but certainly, you are looking for different ideas for your purposes. We discovered this online sources and we suppose this is one of many awesome content for reference. And you know, when I first found it, we loved it, hopefully youre too. We believe, we might own different opinions, but, what we do just wish to assist you in finding more references about 2000 ford contour vacuum diagram. Regarding Image description: Graphic has been submitted by MotorPosts Team. We thank you for your visit to our website. Make sure you get the information you are looking for. Do not forget to share and love our reference to help further develop our website.
Keywords for this article:2000 contour hvac vacuum diagram
Tags: #2000 ford contour vacuum diagram


text:
3rd Annual Des Moines Jazz Festival lineup announced
Tickets for two-day festival on sale June 1!
The Des Moines Social Club and Civic Music Association will present the 3rd Annual Des Moines Jazz Festival over Labor Day weekend on August 31st and September 1st, 2018. The festival is two days of outstanding jazz performances in the Des Moines Social Club's Prairie Meadows Courtyard.
The Des Moines Social Club and its partners began the Des Moines Jazz Festival as an answer to the overwhelming support and investment in the Des Moines jazz community. This year's lineup is headlined by the all-female New Orleans jazz supergroup, SHAKE 'EM UP JAZZ BAND on Saturday, and BOBBY WATSON QUARTET on Friday, featuring Kansas City saxophone player and jazz legend Bobby Watson, Jr. The festival will also feature notable jazz violinist CHRISTIAN HOWES, Iowa legends the HEATH ALAN BAND, local music prodigies THE UNDERTONES, members of the JOHNSTON HIGH SCHOOL JAZZ BAND, local brass band GRAND AVE RUCKUS, and Des Moines' own NOLA JAZZ BAND.
"The staff and board of Civic Music Association are pleased to partner with the Des Moines Social Club once again to bring a weekend of great music to downtown Des Moines," says Peter Stevenson, Executive Director of CMA. "The lineup reflects the vitality of the local jazz scene and offers jazz fans an opportunity to hear national touring artists like Christian Howes, Bobby Watson, Jr., and the New Orleans-based Shake 'Em Up Jazz Band. Mark your calendars now for August 31 and September 1 and join us in this celebration of jazz!"
The price of admission is $10 for Friday, $20 for Saturday, and $25 for a two-day pass. Event organizers encourage attendees to bring their own lawn chairs, but chairs are available for rent for $5 per day. Food and beverage will be for sale at the festival as well.
The Des Moines Social Club is dedicated to making art accessible to the community. CMA is dedicated to engaging, enriching and educating through provocative performances by legends and rising stars. The Des Moines Jazz Festival's presenting sponsor is University of Iowa Community Credit Union, with supporting sponsors Fred & Charlotte Hubbell and the Des Moines Register. For more information about the festival, and to purchase tickets on June 1, visit www.desmoinesjazzfestival.com.
- Help Support DMSC
- Learn more from the bands of The Sunken Circus dual-album release show!
- Call for Entries – Artist-Designed Mini Golf
- Social Club celebrates Wells Fargo 2018 support
- AMC Donates $50,000 to DMSC through AMC Gives Back Initiative
- Calling all Food Trucks – Throw Down Applications available now!
- Valentine's Day at Des Moines Social Club
- You TEACH Here. DMSC seeks teaching artists for Summer 2019
- Teach a class with us – Spring 2019 Education Request for Proposals
- Calling all creative entrepreneurs!
- Interns Try: Cooking With Cass: Dim Sum and Then Some
- Prairie Meadows Donates $20,500 to DMSC
- disrupt – Call for Video Submissions
- 3rd Annual Des Moines Jazz Festival lineup announced
- Food Truck Throw Down winners announced!


text:
Rachel Kate products feature in the Rizzy Showroom in the 7 West Building suite #319
Events & Market Dates
PARTNERING WITH WAGNER PAINT PRODUCTS - Demonstrating new ways to transform old furnishings and fabrics into fresh new designs with the new home Decor Paint Sprayer. Tune into Evine Network for more info.
Rachel Kate is available for booking events and presentations regarding Home Trends & D.I.Y Design ideas. For more info please contact us.
Back to All Events
Later Event: April 5High Point Market Launch Party


text:
27 October 2017
Michael Loney, New York
The USPTO intervenes in less than a quarter of appeals of PTAB decisions to the Federal Circuit. Nathan Kelley, USPTO deputy general counsel for intellectual property law, recently shed some light on when and why the office chooses to do so
An interesting exchange took place at the Federal Circuit in June. A USPTO attorney had turned up for oral argument in an appeal from an inter partes review proceeding, and was met with strong words from Judge Pauline Newman (as...
Log in
Join here
The material on this site is for financial institutions, professional investors
and their professional advisers. It is for information only. Please read our
Terms and Conditions
Privacy Policy
before using the site. All material subject to strictly enforced copyright laws.
© 2019 Euromoney Institutional Investor PLC. For help please
see our FAQ.
Switching to MIP International


text:
Yes, I'm still alive and kicking
I just ended a 6 week program with NAN Institute (National Advisors Network) with Joe Woodard, where we had instruction and interaction in NAN's very first course on leadership and bringing your company to the next level. While in the course, they reviewed our websites, blogs, books, articles, etc. Our website won kudos, but one of the suggestions was I should write in my blog more... and they certainly are right! So for 2015 I'm committing to doing just that!
I'm starting today by recommending a book I am reading now called Profit First. I have read so many business books, I was getting bored with the same old story on a different page, but I really am enjoying this. Its fresh, and is how I believe all companies should view their business. The author, Mike Michalowicz, has hit upon a great idea, something all too many owners never consider. I just love books with resources you can access as well.
I would like to invite you to join me in reading it, and to take the instant assessment he offers in the book.
I just printed it out, and will take it this coming week. I'll get back to you on how I did, and what insightful ideas it leads to and get back to you on the finer points soon.


text:
Finding the best e-commerce solution for your business is one of the hardest things to do during the early stages of your business project. What makes it complicated is the fact that there are very many options. For a successful business, you must have an e-commerce platform where your clients will choose products and make transactions without a lot of hassle. For this to be possible, you need to have a website that has all the necessary features to make the latter possible. Therefore, the choice of an e-commerce solution which you make must be good. You stand to lose sales if the website happens to be too complex or is unfriendly to its users. This article gives insight on what you must know about e-commerce solutions.
1. Making a good choice
As long as you want to have a fully operational and successful website, you must have an e-commerce solution that has the option of making a purchase using credit cards. According to statistics, the ability to accept credit and debit cards increase sales. The recent improvement in the e-commerce solution platforms has increased the number of people who were skeptic about using their credit cards online. However, security features have been installed to make sure that the personal information remains secure. When choosing an e-commerce solution to use, chose one with a security server that encrypts the information on your credit card and any other personal information which you give out on the website.
2. The type of cared accepted
While on the verge of choosing ac e-commerce solution, be considerate of the kind of card that is accepted. A good service provider is one that allows the use of MasterCard, American Express, Visa, and Discover. E-Commerce that accepts the use of the above-mentioned cards is the most appropriate. This is so because you shall be selling your services and products in countries Worldwide. Apart from credit cards, you may decide to offer your customers with other different payment options. Some of the acceptable options include the use of PayPal, Crypto-currencies and the debit card. As an alternative to making online orders, a good e-commerce platform should provide a toll-free phone number to be used by those who are still skeptic about online payment.
Before you choose any e-commerce solution, you must compare all these features keeping in mind that your e-commerce solution should be able to meet the needs of your customers. They need to have a sense of security and trust with your payment services.


text:
Daniel & Emily Quinby
Lead Campus Pastor (Daniel) - Vision, Teaching, Leadership / Women's Ministry Leader (Emily)
Daniel and Emily have served at Northern Iowa Chi Alpha since May 2015. They have one daughter named Jane.
Daniel and Emily first came to UNI in the fall of 2011 as students. They helped start Chi Alpha and met through the ministry. After leaving for ministry training, they returned to Cedar Falls in 2015 to lead the ministry.
Daniel and Emily are passionate about college students and helping them find their purpose and destiny in Christ. They dream of a day when the entire campus is filled with Kingdom leaders who reach out to their friends with the love and hope of Jesus.
Derek & Taylor Quinby
Associate Campus Pastor (Derek) - UIU Campus Pastor, Worship, Men's Discipleship / Women's Ministry Leader (Taylor)
Derek and Taylor have served at Northern Iowa Chi Alpha since May 2018.
Derek and Taylor are both UNI graduates. Derek graduated with a secondary education degree in 2018 while Taylor graduated with an elementary education degree in 2017. They were both strong leaders in Chi Alpha as students and answered the call of God to pursue a career in Chi Alpha after graduation. In May 2019, they became the Campus Pastors at UIU while continuing to serve in their roles at UNI.
Derek and Taylor are passionate about connecting students who are far from God to Jesus. They believe in the potential of every student who steps onto the campus and are willing to do whatever it takes to connect them to the heart of God.