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Retirement Investing At The Summit – Investing When Equity Markets Are At All Time Highs
By Jack Towarnicky
Wow! Recently, it was my privilege to experience a presentation by Grady M. Smith, CFA, Vice President & Senior Portfolio Manager, Dimensional.
The combination of 2018 stock market highs and recent stock market volatility has workers/retirement investors asking questions. Particularly, what should I be doing now? Grady was well prepared to educate this ignorant investor. Despite 40 years of investing retirement assets, more than a decade of experience in an ERISA 3(38) fiduciary role, and despite graduate degrees in management (including portfolio management courses) and employee benefits law, I was surprised to see just how many biases and fundamental misunderstandings I had concerning investing1.
Volatility is Not Predictive!
With respect to market highs and volatility, I learned that:
- For the past 28 years (1990-2017), if you look at daily stock market changes/returns (using the S&P 500 as a proxy), only 33 of the ~6,300 trading days had gains or declines of 5% or more. In fact, if you graph it, daily returns over that period form a traditional bell curve. But, as Grady noted, people don't experience the nice pattern of a Bell curve. Instead, each change, up or down, has an outsized impact on investor psyche. Investors experience each event!
- For the past 90 or so years (1927 – 2016), volatility in the current month is not predictive of returns in the next month (using the Fama/French US Total Market Index). The average monthly return is substantially the same regardless of whether the prior month had high volatility or low volatility!
- For the past 90 or so years (1927 – 2017), there is no statistically significant difference in annualized compound returns (whether measured after 1 year, 3 years or 5 years) following either a 10% market decline or a 10% market increase (using the S&P 500 index total returns as a proxy).
- An investor exercising perfect market timing would have grown an initial investment of $100 in October 1962 to $146,495,809 by December 2014. However, after adjusting for the cost of achieving that perfect market timing strategy (using puts), the $100 initial investment would have grown to only $6,086. Yes, perfect market timing is possible – at a cost. Note that this perfect market timing strategy achieves a return that is less than an investment in the S&P 500 index ($18,273) and less than the return of a 60% S&P 500 index/40% T-bill portfolio ($7,215).
So, over time, volatility does not provide a reliable signal to investors to change their investment allocation. And, over time, adjusted for costs, perfect market timing doesn't deliver a superior result.
Timing Matters
I already knew that2. However, many workers/retirement investors, maybe even a majority of those who are approaching a retirement decision, are so focused on investment returns that they miss the risks of an outsized equity allocation. For example, Grady confirmed that because many 2010 target date funds had significant equity allocations, the actual average decline was 32 percent (the average decline of 2010 target date funds in the Morningstar Universe during the period 10/31/07 – 2/28/09). A worker who, as of March 1, 2009 had planned to retire in 2010, who planned to use a 401k account balance to generate retirement income, and who had selected a 2010 target date fund, was impacted by that decline.
And Grady confirmed that when the goal is income in retirement, a successful worker/retirement investor must manage all of the risks that can erode future income potential – including market volatility, interest rate risk, and inflation rate risk. Similar to decision-making by defined benefit plan fiduciaries, the worker/retirement investor whose goal is income in retirement should focus on liability driven investment strategies. Other strategies may be appropriate for workers who have sufficient retirement income from other sources.
Grady encouraged us (as participants and plan sponsors) to address those risks with a purposeful asset allocation – using a glidepath and risk management tools that are not "to" or "through," but throughout life (while employed and after retirement) – managing relevant risks in both accumulation and decumulation strategies.
I learned a lot; and I have a lot left to learn.
1M. Pompian, J. Longo, The Future of Wealth Management: Incorporating Behavioral Finance into Your Practice, 2005. "… the task of creating and delivering investment solutions to private clients cultivates both a keen awareness of "less than rational" decision-making and a potential interest in the branch of economics— behavioral finance—that provides insights into irrational investor behavior. Developing proper guidelines for applying biases to asset allocation decisions … requires answering a central question: when should advisors attempt to moderate the way clients naturally behave to counteract the effects of behavioral biases…" Identified biases include: loss aversion (the tendency to feel the pain of losses more than the pleasure of gain), anchoring and adjustment (the tendency to believe that current market levels are "right" by unevenly weighting recent experience), selective memory (the tendency to recall only events consistent with one's understanding of the past), overconfidence (the tendency to overestimate one's investment savvy), self-control (the tendency to spend today rather than save for tomorrow), regret (the tendency to feel deep disappointment for having made incorrect decisions), and availability bias (the tendency to believe that what is easily recalled is more likely). Accessed 11/9/18 at: https://www.dartmouth.edu/~lusardiworkshop/Papers/FPA%20BEHAVIORAL%20BIAS%20PAPER.pdf
2R. Surz, J. Towarnicky, Target Date Model Portfolios, DC Insights Magazine, PSCA, Fall 2018. "Using a plan's core lineup to create target date models can provide lower cost and higher transparency." See also: J. Towarnicky, Default Is Not Mine — I Only Live Here: Considerations regarding target-date funds as the plan QDIA, DC Insights Magazine, PSCA, Winter 2017. Accessed 11/9/18 at: https://www.psca.org/download/default-is-not-mine-i-only-live-here ; See also: J. Towarnicky, S&P STRIDE Target Date Funds: Making STRIDEs in Evaluating the Performance of Retirement Solutions, 10/31/17, Accessed 11/9/18 at: https://www.indexologyblog.com/2017/10/31/sp-stride-target-date-funds-making-strides-in-evaluating-the-performance-of-retirement-solutions/


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We often get mixed messages when it comes to bacteria. But when it comes to our gut, we need to start thinking of bacteria as a friend, not an enemy!
Why? Well, here's some of the science behind it:
Our gut microbiome is a population of microbes – including fungi, bacteria & viruses - that live in our body. And there are trillions of them! This includes lots of different species of bacteria, which mostly sit within our small intestine and colon.
What was once 'the forgotten organ', our gut and its microbiome have boosted their profiles within the medical and health communities in recent years, with some referring to the gut as the 'second brain of the body'.
Professor Siobhan Norton said: "The gut is more than just a mulching factory for food, it is the second brain of our body, almost as important as the brain itself."
With our knowledge about our guts advancing so quickly,, doctors can now advise on not only our diets, but our overall health with gut bacteria in mind.
Gut bacteria - the good, the bad and the science
Our gut is responsible for performing vital functions that allow us to maintain our health, through the balance of different types of bacteria: our 'good' and 'bad' bacteria.
What's good bacteria, and what's bad bacteria?
Bad bacteria can make its way to our gut through the food we eat, the air we breathe and the water we consume. This is the bacteria that causes us to become unwell, and usually requires antibiotics to fight off.
Good bacteria settles within our body too though, providing us with essential nutrients and protecting us from infections, rather than causing them. However, when your 'good' gut bacteria and 'bad' gut bacteria become imbalanced, and changes in our gut can cause some unpleasant side effects:
- Digestion issues such as constipation, diarrhoea or inflammatory bowel disease
- Changes to your mood, with links to depression and anxiety
- Low energy levels
- Skin issues such as acne or rashes
With so many symptoms arising from an unhealthy gut, it's easy to see how an imbalanced microbiome may be linked to other, long-term illnesses.
A wonder cure? Your gut and your health
With the wide range of health problems arising from upset guts, it's no surprise that doctors around the world are considering gut health in patients' treatment plans.
Doctors, neurologists and psychiatrists are all looking at gut-focused treatments for a range of conditions that were previously thought not to be related. Even critical-care specialists, who work in intensive care, are getting involved in how we can implement strategies around gut health for some of the sickest patients.
This is because a well-balanced gut microbiome is thought to:
- Protect us from infections
- Support all mental functions – gut bacteria have been linked to the production of chemicals in the brain, including serotonin which acts as the body's natural antidepressant.
- Regulate blood sugar
- Impact body composition
- Improve heart health by reducing cholesterol
- Strengthen our immune system
And you only need to look into the stats around some of the UK's biggest health problems to realise the impact these benefits could have on the nation:
- 86% of British adults suffered from a gastrointestinal problem from 2016-2017
- 1 in 16 people have diabetes
- 1 in 4 people experience mental-health related symptoms
- An estimated 7 million people in the UK live with cardiovascular disease
So, how can we start taking action and improving our health using bacteria?
Food for thought - what to eat for good gut health
Even though we see TV ads for digestive health yogurts daily, I see the popularity of these foods and nutrients as more than just a fad. I see them as a return to the traditional, natural ways of eating that our ancestors developed. There's evidence that countries incorporate this kind of thinking into their diets all over the world.
For example, pickled ginger with sushi and miso broths are popular traditional Japanese dishes. In India, fermented foods like a yogurt-based drink called Lassi are often dietary staples. Kimchi is big in Korea, as is kefir in the Middle East. Are you seeing a trend here?
These are all gut-friendly additions to diets all over the world – and it's no coincidence that they're good for us. By returning to our nutritional roots, we can all add some bacteria-heavy foods into our diets and start working towards a healthy gut.
Prebiotic foods
Whilst most of us have heard about probiotics, prebiotics are specialised types of fibre that are indigestible by the human intestine, but our microbes are able to break them down.
Prebiotics fibres feed our microbes and keep them healthy! And luckily, there are loads of fibre-rich foods your gut bugs and taste buds will love.
The beneficial bacteria feeding off these prebiotic-rich foods have been found to have anti-inflammatory effects on our digestive system and improve our immune system, making these ingredients a must-have on your next shopping list.
Prebiotics-rich foods include:
- Artichoke
- Garlic
- Onions
- Leeks
- Asparagus
- Bananas
- Oats
- Apples
- Flaxseeds
- Cocoa
Probiotic foods
Despite the popularity of probiotic supplements and powders, it's important to note not all these products are created equal, and they should only be used to supplement a healthy well-balanced diet, not replace it.
A lot of fermented foods have high levels of good bacteria, as they are grown during the fermentation process. This means foods like yogurts and sauerkraut (fermented cabbage) help your digestive health, whilst also being linked to weight loss and a healthy heart.
Foods that are a good source of probiotics include:
- Greek yogurt
- Kefir
- Sauerkraut
- Dark chocolate
- Miso soup
- Pickles
- Kimchi
- Yakult
Some studies have shown probiotic foods have an anti inflammatory effect on the body, helping with urinary tract disorders and irritable bowel syndrome.
I'd encourage experimenting with different ingredients such as probiotic yogurts or kimchi that are full of different strains of beneficial bacteria. All are usually found in the refrigerated section of the supermarket, and easy to get hold of.
Polyphenol-rich foods
Polyphenols are chemicals we find in plants - of which there are literally thousands! Consuming a healthy amount of polyphenol-rich foods has been linked with improved gut lining as well as encouraging the growth of microbes.
The good news is that a diet full of the foods below (and even a small glass of red wine, every so often!) can also reduce your risk of heart disease,
Foods high in polyphenols include:
- Cocoa powder
- Dark, leafy vegetables
- Beetroot
- Green tea
- Berries
- Tomatoes
Spices can have an unbelievable effect on our body.
Spices good for your gut bacteria include:
- Tumeric
- Chilli
- Cumin
- Cinnamon
- Paprika
These popular spices have all been found to have a proven effect on reducing inflammation in the gut.
Reducing inflammation allows for greater cultivation of bacteria, leading to a healthy gut.
A varied diet equals a healthy digestive tract
Your gut bugs favour diversity. They thrive on new, interesting foods which may encourage you to try new foods as much as possible!
Studies suggest that there appears to be an improvement in the range of gut bacteria populations when a variety of foods are consumed.
Exercising caution with refined carbohydrates, sugars and sweeteners
Refined carbohydrates, sugars and sweeteners – all things that we most likely regularly consume, and all which can have a negative effect on our gut microbiome.
'Diet' versions of popular drinks and foods with synthetic sweeteners aren't bad in moderation, but excessive amounts have been shown to have a detrimental effect on your overall health and your microbiome.


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The goal of Candy Crush Soda level 149 is to eat 9 Chocolate within 32 moves. Read the tips, watch the video and get an idea of what you're supposed to do on Candy Crush Soda Saga level 149.
Candy Crush Soda Level 149 Video
The video below demonstrates how I completed the level. It will show you what the objective of the level is and how you can complete it as well.
If the goal or layout of the current level is different compared to what you see in the video below, don't hesitate to let us know in the comment section below and we'll update the video.
Level played by Tobias Deamon
Candy Crush Soda Level 149 Tips
With candies of five colors on the playing field it's not always easy to make special candies. So take your time and don't miss out on opportunities to make them because to clear the large amount of Chocolate and Licorice Swirls you will need to make quite a few of them.
Since candies move from the top to the bottom of the playing field, match candies as low on the playing field as possible as often as you can. Doing this will shift the largest amount of candies, hopefully matching some automatically and create new opportunities to create special candies.
While your attention is at the bottom it's easy to forget about creating special candies at the top of the playing field, so pause after every move and glance at the entire playing field to see whether you can create special candies. It's worth creating special candies even if it means the Chocolate spreads a little. You can clear a lot more Chocolate with a special candy than you can by matching candies adjacent to them.
Basic Tips To Keep In Mind
To complete the level we've compiled a small list of general tips that should help you along the way. While some tips are more useful than others, it's always good to be reminded of the basics.
- The most important tip of all for Candy Crush Soda Saga is to take your time since there is no time limit. Make use of this and always look for the best possible match.
- Don't just match special candies as you create them. Combine them with each other to create even more powerful moves.
- Create a Jelly Fish when you get the chance. You create a Jelly Fish by matching four candies together to form a square. Although a Jelly Fish only removes one object, Jelly Fishes can be very useful because they tend to clear an important piece from the playing field such as a Bear, a Bottle, Chocolate, Honey etc.
- There are many obstacles in Candy Crush Soda Saga. We recommend you get rid of them first before you focus on the mission. With the obstacles gone it's easier to complete the level.
If you have a tip, question or comment specific for Candy Crush Soda Saga level 149 we welcome you to leave a comment below!


text: The dreadnaught is an absolute classic of an acoustic guitar. Used by troubadours, folk legends and buskers all over the world. I cant walk down the street or turn on youtube without seeing one. So I want to make myself one, but, why not put 12 sympathetic strings running up the inside of the neck? To give a built-in reverb sound a la sitar or nykelharpa. Should be easy enough….


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Withsmooth EVA padsitched in supplied in pairs.Dimensions 40mm x 460mm or 50mm x 460mm.Screen printed up to 4 spot colours 1 position.Price below based on 40mm x 460mm printed 1 colour 1 position.
Luggage Strap for Use When Travelling to Secure Suitcases and Bags. Personalised with a Screen Print.
Luggage Strap for Use When Travelling to Secure Suitcases and Bags. Personalised with a Dye Sublimation Print.
Luggage belt with clip in buckle and adjustment feature printed in full colour.
Analogue suitcase scale with handle and weighing hook. Weight display in kg/lb.
Portable digital luggage scale with digital display screen with nylon cord and buckle carry strap. Display shown in kg and lb up to 40 kg/88 lb. The display switches off automatically. Battery included.
The cookie settings on this website are set to 'All Cookies' so that you have the best online experience possible from our site. Without changing this setting you consent to this. If you wish to opt out click on the 'change cookie settings' link.


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This is a sponsored post written by me on behalf of Mission®. All opinions are entirely my own.
This Bacon Guacamole Recipe is the perfect gluten-free appetizer for game day! It is great as a dip and also fantastic in quesadillas!
I have said many times on the blog, that as much as I love football, one of my favorite parts of football season is planning the celebration. There is nothing more fun to me than getting friends and family together to watch the Big Game and enjoy delicious food.
Football and great food just go together!
And of course, you can't have a football party without chips and dip.
Mission® Tortilla Chip Strips are the perfect shape to dip and have just four simple ingredients and sea salt. They are certified gluten-free, which is a huge bonus for me.
We also love Mission Super Soft Flour Tortillas! They are great for making burritos and quesadillas for your party, because they are the perfect softness and versatile.
I've paired my Mission Tortilla Chip Strips with this Bacon Guacamole.
Guys…you must try this one. I have always loved guacamole, and this Bacon Guacamole is my favorite one I've made yet. It has the perfect blend of creamy avocado and lime juice with a kick of chipotle chiles and garlic. And of course….bacon. I used turkey bacon, but feel free to use whatever bacon your family enjoys.
This Bacon Guacamole is perfect for the Big Game, especially since I can get Florida avocados right now! (They are much larger than other avocados.)
In addition to food, I always love to add a little decor to my football celebration.
This year, I am super excited to be celebrating my team's success with this Party Kit from Mission! (Go Jags!) It includes a recipe card for this Bacon Guacamole, along with decor and party favors. It is such a great way to get the whole crowd into the game.
Who Wants To Celebrate with Mission?
Between 1/1/18 and 1/19/18 you can enter to win a party kit from Mission!*
Celebrate the Big Game and cheer for your team by visiting www.MissionPartyKit.com.
Prizes include a Roku® Streaming Stick®, party decorations, $150 in gift cards and a recipe card for your favorite team. The Grand Prize winner could receive a 70 inch 4K TV! Visit the Mission Party Kit site for more info!*
Use this store locator to find out where you can get Mission products for your Big Game celebration.
Bacon Guacamole
- 8 ounces bacon I used turkey bacon
- 2 large avocados or 3 medium
- 1 tablespoon lime juice
- 1/2 teaspoon cumin
- 1/2 cup chopped red onion
- 1 tablespoon minced garlic
- 2 chipotle chilies in adobo sauce seeded and chopped
- 1 tomato seeded and diced
- 1/4 cup cilantro chopped
- Mission® Tortilla Chips Strips for serving
- Cook bacon according to package directions.
- Mash avocados in a medium bowl. Add lime juice and cumin. Season to taste with salt and pepper.
- Gently stir in onion, garlic, chipotle chilies, tomato, and cilantro.
- Store with plastic wrap directly on the surface of the guacamole and refrigerate until ready to serve.
- Serve with Mission Tortilla Chips Strips.
*NO PURCHASE NECESSARY. PURCHASE WON'T INCREASE CHANCES OF WINNING. Open to 50 US states/DC residents, age of majority (age 19 in AL & NE/ age 21 in MS/age 18 in all other states and DC) or older. Enter at www.MissionPartyKit.com. One entry/calendar day. Sweepstakes begins 12:00:01 a.m. ET on 1/1/18 and ends 11:59:49 p.m. ET on 2/4/18. For prizes, odds & official rules, go to www.MissionPartyKit.com.


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Carpet fitter contract
- Attorney approved
- Plain English makes editing easy
- Guidance notes included
- Money back guarantee
About this carpet fitter contract
You are a carpet fitter. Maybe you have had problems with clients about payment, or liability for things that should not be your fault. This simple contract will help to protect you.
You can add anything extra that you need to have in writing but we have tried to cover the most important issues. Just add specification for actual carpet fitting work.
Private clients will not be happy to be offered a ten page legalistic document. This contract has been drawn to be sufficiently "unthreatening" as to enable you to obtain a client's signature without delay or apology.
Key features
As a carpet fitter, you need protection. If you have not arranged for up front payment you are always at risk that your client will not pay. We give you the option of several alternative payment procedures from all up front to all on credit. Limitation of liability also features large in this contract.
Contents of this carpet fitter contract
- Specifications and requirements
- Interruptions and expenses
- Alternative payment provisions
- Safety and insurance
- Confidentiality: protecting your privacy and theirs
- Limitation of your liability
- Uncontrollable events: to keep you in control of the contract
- Miscellaneous legal matters: critical factors which shape the contract in your favour
This document was written by an attorney for Net Lawman. It complies with current South African law.
"The website is great, the access easy, documents professional. All very smart. Immediately got a good impression of Net Lawman."Hendrik J Pfaff, CFA, Stellenbosch, South Africa
"Extremely usef ul for practitioners with little experience in this field.
"Prawlall Attorneys
"I found the documents easy to use and great value. I feel the service is easy to use and good value for money."Sean McNicholas


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There is no doubt to it that LG G3 is one of the most premium smartphones available in the market as on date! But it seems that LG Electronics' thirst to make it even more upgraded and advanced has not ended yet. We had earlier spotted that LG G3 will a more powerful Snapdragon 805 chipset is to arrive into the market and could be released in July. Now this would turn out to be quite true as an alleged Snapdragon 805 based LG G3 has been recently approved by the South Korean authorities.
The advanced and upgraded LG G3 has been found out with three model numbers LG F460S, LG F460K, and LG F460L where each of them corresponds to three mobile carriers of South Korea namely the SK, KY and LG U+. However, at the moment much info regarding its other specs is not available except for the new baked Snapdragon 805 SoC which is to support LTE-Advanced Cat 6 allowing download speeds up to 225Mbps.
Samsung has already announced its Snapdragon 805 based Galaxy s5 version with LTE-A Cat 6 support and LG too seems to follow the same curve. However, the company has not clear about the international roll-out of this version and has kept it to the Korean markets only at the moment.


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Lisa Hochstein Celebrated Valentine's Day with a $5,000 Brunch
What can we say? The Real Housewives of Miami alum had a craving for golden lobsters!
If the sky's the limit for your Valentine's Day budget, we have a dining recommendation for you. The Real Housewives of Miami alum Lisa Hochstein just celebrated the holiday with a bit of golden lobster — her brunch tab added up to $5,000. So, how does one manage to spend thousands of dollars on a meal that usually contains eggs and (if you're feeling lavish) a mimosa or two?
Lisa shared snaps from her extravagant meal in an Instagram post that went up days before Valentine's Day. For Lisa, you see, the heart-filled holiday necessitates a week's worth of celebrating, and we're with her on that one. In her caption, she thanked her husband, Lenny, for helping her kick off the week in style, and then she shared photos of the meal they had at La Muse Cafe.
According to Page Six, in addition to lobster, the feast included caviar and crepes, yellowtail crudo, deviled eggs, and Veuve Cliquot Champagne with a few cocktails. The $5,000 meal was reportedly the most expensive meal the restaurant has ever offered, but the couple's purchases didn't end with food and drink. Witnesses also said that they strolled around the eatery between courses, perusing its gallery for art to buy.
But hey, if you think that's lavish, just remember this: Jennifer Lopez's 10-year-old twins once managed to rack up a $7,500 tab at the Sugar Factory!
The Feast is Bravo's digital destination serving culinary inspiration and essential food news. Like us on Facebook and visit daily for diet and wellness trends, kitchen hacks and tools — and the buzziest celebrity, chef, and restaurant happenings you need to know about right now.


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Experience Outstanding Amenities in the Heart of Orlando, Florida
Continuing reading below for more info
We welcome you to be our guest and enjoy The Point Hotel & Suites exceptional amenities. Feel accomplished with a quick workout at our state-of-the-art fitness center, or lounge poolside with towel service as you sip cocktails and savor tapas. Enjoy the convenience of an on-site breakfast or room service, and use our shuttle for a quick ride to Florida's best attractions. Our outstanding concierge services can even help you purchase theme park tickets, special event tickets and arrange transportation.
- Shuttle Service to Theme Parks
- Outdoor Pool and Hot Tub with Towel Service, Poolside Dining, and Cocktails
- Wi-Fi / Internet Access
- Fitness Center
- Concierge Services
- Business Center
- Indoor/Outdoor Event Space and Boardroom
- On-Site Dining
- Self-Parking
- Room Service
The Point Hotel & Suites daily hotel services fee of $11.50 plus taxes per room, per night, will be added to the room rate and includes:
- Self-parking
- Scheduled theme park shuttles
- Wi-Fi internet in all suites and public areas
- In-room coffee service
- Fitness Center Access
- Unlimited local and 800-number phone calls


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Stay at Bose
To contact the guest house of the monastery and to have information about the stay at Bose, please make a phone call!
We do not accept reservations by e-mail: please use e-mail only to request information. In your e-mail message, remember to write your name and surname, your address, and your telephone number.
Spiritual lexicon
Waiting for the Lord
Words of Spirituality
by ENZO BIANCHI
Waiting for the Lord allows us to open our heart outward to encompass and express the longing of all of creation


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Transfer Day is almost here! On Monday, October 3rd from 10:30 a.m. – 1:00 p.m., College of Alameda will be hosting Transfer Day 2016. This event will bring CSU, UC, private, and out-of-state college and university representatives to our campus to provide students with transfer information. This is a wonderful opportunity for students to ask questions and discover the many transfer options available to them!
Day and Date: Monday, October 3rd
Time: 10:30 a.m. – 1:00p.m.
Place: Student Quad – (adjacent to Building A – Welcome Center, College of Alameda )


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Faces of Bioprinting: Meet CELLINK's Electrical Engineer, Hany
Name: Hany AbuShall
Location: Blacksburg, Virginia
Position: Electrical Engineer
Hi Hany! Please tell us a little bit about yourself.
I am an electrical engineer at CELLINK. I was born and raised in Tripoli (Libya) for twelve years and then moved to and lived in Cairo (Egypt) for 16 years. I had my good share of academic research during my postgraduate studies. I have researched nanowire lasers during my first MSc in Egypt while my second MSc in Germany was about microjet engines (e.g. micro-robot submarines!) While in Germany, I was very lucky to find love, dating my now wife, and ending up here in Blacksburg VA. CELLINK is my first professional job after being teaching engineering students for a decade.
What sparked your interest to work with 3D Bioprinting?
My major background is in engineering and in the physical sciences. Nevertheless, later during my second masters, I have developed a great interest in Biology and the kind of applications that would build on both engineering and the biomedical fields. I was fortunate while cold-calling CELLINK about their available jobs to have Erik Gatenholm (the company CEO) be the one who picked my call. I ended up having the job and loving what I do every day since I have joined the company. Although 3D printing is itself a cool technology, 3D bioprinting takes the concept to a whole new level with endless momentous and fun applications. I am proud to be part of our amazing team responsible to deliver this amazing technology to the global researching and medical communities.
What do you hope to see happen with 3D Bioprinting during your lifetime?
A lifetime is a long time to have wishful thoughts about! I would say this, I hope researchers will get soon to the point where they can be able to build human organs on demand. It will not be just a big step for our company and the field in general starting to provide our 3D bioprinters to hospitals and clinics, but more importantly to all those millions of people who are in significant need for safe and efficient organ transplantation. I hope that such a day would come sooner than later.
What is one thing people would be surprised to know about you?
Unsatisfiable thirst for knowing more about what they are doing!
What was your dream job as a child?
One in which I would create and interact with intelligence.
If you could have one superpower what would it be?


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Blue Q
Coin Purse "Bringin' Home The Bacon"
Give yourself a pat on the back, little Missy, for getting this coin purse to store all your change. Just store any loose change in this wonderful purse for a rainy day. You can even save up for some bacon!
- Measures: 3" x 4"
- Made from 95% postconsumer recycled material
- Designed by Marc Rosenthal
Little Red Hen is a 501(c)(3) non-profit organization with several locations serving children and adults with developmental disabilities.
100% of our sales / donations benefit quality programs for children and adults with developmental disabilities like Autism, Cerebral Palsy, Downs Syndrome, and other cognitive disabilities. We employ adults with developmental disablities at all of our locations.
*We ship within 1-2 business days after your order is placed.
*We can also ship internationally. Please contact us for rates.*
At Little Red Hen we strive to make sure each customer has a pleasant shopping experience online.
- Items can be returned for a refund within 30 days of purchase.
- Items with a gift receipt can be refunded for the amount on the gift receipt.
- Refunds do not include the cost of shipping.
- If an item is damaged in shipping, Little Red Hen will gladly pay the cost of re-shipping a replacement for your damaged item.
- Purchases made on a debit or credit card may take at least 10 days to be refunded to your card.
If your merchandise is defective or damaged, we will gladly replace it with an identical item within the 30 day period. In the event that the item is no longer available we will be glad to give you a refund. If your purchase was made online, you will receive a confirmation email letting you know that your refund is being processed, or your replacement item is being shipped. Perishable goods such as food and flowers cannot be returned.
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Little Red Hen | Butte County, Chico, CA 95926 | ©Copyright 2018 | All Rights Reserved


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$100 Donation to PHI's Research Fund.
Q: What research will PHI support?
A: The initial modest grants will help support researchers, scientists, and clinicians worldwide to investigate the cause(s), treatment, and management of post-poliomyelitis and neuromuscular respiratory disease.
As it approves grants, PHI will foster new innovative research – both basic science and clinical – that will result in improved quality of life for people with disabilities, as well as support valid ongoing research.
Q: How will funding decisions be made?
A: A panel made up of peers and people with disabilities will review all grant applications that meet established requirements for respiratory research or post-poliomyelitis research. This panel's recommendations will be reviewed by the PHI's Board of Directors, who will make the final funding decisions.
Q: How can contributions be made?
A: Post-Polio Health International including International Ventilator Users Network is a not-for-profit 501(c)(3); Federal ID No. 34-0961952. Tax-deductible contributions can be made payable to Post-Polio Health International. For more detailed information, contact Joan L. Headley, firstname.lastname@example.com with "Research" in the memo line.
Additional contributions are needed to increase the corpus of The Research Fund so larger grants can be awarded.
"Contributing to the Fund is an excellent way to honor loved ones," says Joan Headley, Executive Director of PHI & IVUN.


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Emma and Christine have both been diagnosed with and treated for oral cancer and now hope to help other patients like us and raise awareness of the disease. We both work in cancer research and are surprised about the lack of quality of research into oral cancer and would like to see this change!
The prevalence of oral cancer has risen 40% in the last decade, more than any other type of cancer in the last 25 years. In 2010 more people died from this disease than in road traffic accidents. It is becoming increasingly common in younger people, who are otherwise healthy and have none of the known risk factors.
Please come to our 'SATURDAY BONANZA!' and bring your friends!
It is on Saturday 9th Novermber 2013 10am-3pm at All Saints Church Halls, 10 Woodend Drive, Jordanhill, Glasgow G13 1GS.
We will be selling homemade cakes, coffee/tea and homemade Christmas cards. Also, we have a raffle with fantastic prizes, guess the weight of the cake and guess the number of sweets in the jar. All the money raised will be going to the Ben Walton Trust (BWT). You can find out more about the work of this charity and oral cancer at the event.
If you would like to support us, please come to the bonanza, donate money here or you can text ' EMCH99 £5 ' to 70070 to donate £5.
We are also involved in raising awareness for oral cancer, in particular Christine is hoping to help raise awareness of oral cancer with Glasgow University Dental and Medical students. We have been helping with a BWT event for oral cancer patients and their families. As many patients struggle with eating and do not have the opportunity to eat out, the BWT are organising a three course blended meal at a restaurant.
We have chosen to support the Ben Walton Trust as they:
> Work to raise awareness of the disease among the general public and health professionals - the BWT have worked to set up a BMJ learning module for doctors and dentists and been involved in setting up a SIGN, a set of guidelines medics should follow.
> Work to fund research - the BWT have funded studeis in the south east of England and in Scotland to find out about the and risk factor of oral cancer in young people.
> Work to encourage appropriate palliative care and help patients generally.
Thank you for your support!


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We have no idea whether Goldman Sachs did anything illegal or not. We suspect that these charges will fade away once their political usefulness has evaporated. They will pay a meaningful fine "without admitting or denying any wrongdoing" as is the common practice in these situations.
The politics behind the case, if any, remain inscrutable, but conspiracy aficionados are pointing to the odd timing at a critical juncture in the financial regulations debate and the first-time-ever, 100-percent partisan split vote by the SEC board to bring the case forward. A few days after the unrepentant Goldman executives calmly displayed their extraordinary IQs in the face of numerous profanity-laced senatorial tirades, rumors of criminal charges were leaked to the press. The unfortunate timing put a dent in the government's claim of independence from political expediency.
Android smartphone users will now have the ability to view every photo and video captured and every email sent or received, according to an announcement Monday by Retina-X Studios.
The software works with all Android models, including Motorola's Droid, T-Mobile's MyTouch 3G, and HTC's Droid 'Incredible.' These new features add to the capabilities the spy software already offers in call, SMS, browser and GPS logging.
The Obama administration is offering up to $1 million in prize money to entrepreneurs that can come up with innovative ways to commercialize new technology.
The U.S. Department of Commerce Office of Innovation & Entrepreneurship's i6 Challenge is offering the prize money to six winners who invent what judges think are the most innovative ideas to drive technology commercialization in their respective regions, according to a White House blog post attributed to Secretary of Commerce Gary Locke.


text: Consider there is raining outside and you want to enjoy it but you don't want to get wet, or it's a sunny day and you want a sunbath but you hate direct heat from the sun, what would you do? Many people would install a simple shade to enjoy both sun and rain. But only a simple shade is not …Read More »


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This is part one in a series of blogs of what happens when two sisters, who are 15 years apart in age, who have never lived together, nor traveled together before as adults, meet in a far remote corner of the world to explore together. It is somewhat like a MasterCard commercial:
Me and My Sister in Iceland
Flights to Iceland: Expensive, at least for me, as my sister was already in traveling in Europe.
Car rental to get around parts of Iceland: Expensive, compared to rental car rates in the United States.
Gas for car rental: Even more that the rising gas prices of the United States. (Although that was a few years ago, so now-a-days, who knows…)
Guided tour excursions of other parts of Iceland: Expensive, but worth it because from them my sister and I learned a lot about the country, and we were able to go to places, and see things, that we could not get to with the rental car.
Hostels or guesthouses, mostly in Reykjavik: More reasonable than hotels, as my sister and I slept in a tent some of the nights.
Food in Iceland: Unbelievably expensive, but delicious.
Experiences and memories of two sisters traveling together in Iceland: Priceless…
Tents and Cars in Iceland with my Sister
For me, the journey with my youngest sister was like a MasterCard commercial. Yes, Iceland was expensive, but it was also priceless. Not only did the actual experiences my sister and I had, and the things we saw together, make the trip priceless, but it was also about spending the time with my youngest sister, bonding, getting to know each other, laughing, and having fun together. It was about seeing the expressions on my sister's face, witnessing her reactions, hearing her comments, and being playful, curious, and adventurous together. What was also priceless was that even with our age difference and the fact that this was our first time traveling together, we got along beautifully: we had the same travel styles; we agreed on what we wanted to do and see; we even agreed on what we wanted to eat, where we wanted to sleep, and how we got to places around Iceland. We had a fabulous time together, and I would travel with her again in a heartbeat.
Playing with my Sister
The experiences and memories of traveling with my youngest sister are, for me, truly priceless!
Please read future blogs for some of the priceless experiences that my sister and I had while we were in Iceland.
Sweet Travels!


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Wednesday, August 15, 2012
The Charisma Myth by Olivia Fox Cabane
The Charisma Myth is full of useful suggestions to assist people to be more charismatic. Cabane tells readers about the different types of charisma and when to use them. She also provides helpful advice for dealing with many different types of scenarios, such as making presentations and being charismatic in a crisis.
Many will like the chapter about how to be charismatic in difficult situations the best. This chapter includes advice about dealing with difficult people, delivering bad news and delivering criticism.
The book also has great exercises to help readers become more charismatic. It's certainly hard work but, at the very least, The Charisma Myth will help you to listen more carefully and be more patient. I would also love Cabane to come to Australia and teach some of our rude journalists NOT TO INTERRUPT!
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July 5, 2012
In September 2010, ECFMG announced that, effective in 2023, physicians applying for ECFMG Certification will be required to graduate from a medical school that has been appropriately accredited. To satisfy this requirement, the physician's medical school must be accredited through a formal process that uses criteria comparable to those established by the Liaison Committee on Medical Education (LCME) or other globally accepted criteria, such as those put forth by the World Federation for Medical Education (WFME). ECFMG believes that this additional requirement for ECFMG Certification will stimulate the development of a meaningful, universally accepted system of accreditation for undergraduate medical education outside the United States and Canada.
Read the rest here.


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In the original Japanese release of Naruto, "(Da)ttebayo!" ((だ)ってばよ!) is Naruto Uzumaki's catch phrase. He uses it at the end of most of his sentences as a way of making his speech unique.
Dattebayo has no actual meaning. It merely is an expression associated with my favorite Japanese anime character, Naruto. Dattebayo, the blog, is a collection of random ideas, images and videos on dance, travels and life. It will dabble about anything and everything on earth that I find exciting or intriguing or maybe just worth sharing. A lot of it will be mostly dance-related. I may be a doctor by profession but at heart, I am mostly a dancer.
I really do love traveling and taking pictures of beautiful places. I respect and appreciate the beauty and power of nature and am an advocate of the environment! I would like to preserve, as much as possible, the pristine magnificence of mother earth.
I enjoy good food especially in the company of good friends. I love to laugh. I may not readily laugh at my mistakes or foolishness but I also do not take myself so seriously. I enjoy adventure. I like to have fun. I am a type A personality but I'd like to think that I am the cheerful, relaxed kind. I like moving and I like movement but I also take pleasure in being a couch potato.
There's still so much more about me and about this blog so why don't you read my thoughts to find out more.


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First time ordering from interno-zadelkruk.nl? These are the steps you during the ordering process runs.
Navigate to a product of your choice. Do you have a product of your choice found? Click on the button 'Add to Cart'. In the cart you will see a list of all items in your shopping cart lies. You can now checkout Continue shopping or View / Modify or your order checkout.
In order to process your order, we ask you to login. If you already have an account then login with your email address and password. You can also choose to order without creating an account. By creating an account to create the interno-online store you can order faster, store multiple shipping addresses, view and track your orders.
Delivery & Payment
You can then choose whether you want your order delivered at your billing address or another address or to collect himself. Enter your information to the correct shipping and billing address. To finalize your order, you need to tick your payment. If you have chosen IDEAL then you will be in the safe environment of your bank where your payment online can perform.
Order Confirmation
You will receive a confirmation email of your order. If you chose payment you will receive the necessary information to finalize your order.


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The Family Law Reform Act 1995: The First Three Years
Australian Family Lawyer: The Journal of the Family Law Section of the Law Council of Australia, Vol. 15, No. 1, pp. 1-8, 2001
9 Pages Posted: 23 Jul 2008
Date Written: 2001
This article describes the main findings of a three-year Australian Research Council funded project examining the operation of the Family Law Reform Act 1995 (Cth), which involved interviews with and surveys of judges, lawyers, court and private counselors and mediators as well as various stakeholders in family law reform. The findings suggest that the law's exhortations to shared parenting are not reflected in flexible work arrangements, nor do they map the reality of the caregiving arrangements among the population of separated parents with children. In particular, the research found that some of the changes made to the statutory scheme resulted in a positive failure to protect the welfare of children adequately.
The research suggested that: new concepts and orders introduced into the Act provided greater scope for harassment of the primary carer or resident parent by the non-resident parent; shared residence arrangements were sometimes made for questionable motives, such as reduction of child support liabilities; and that many women felt coerced into 'consenting' to unsafe contact orders, where there was a risk of violence from the father. A significant finding was the large increase in often non-meritorious applications brought by non-resident parents alleging breach of contact orders.
Keywords: family law, law reform, socio-legal research, "shared parenting", children's welfare, "custody"
JEL Classification: K10, K30
Suggested Citation: Suggested Citation


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American Manganese Inc (CVE:AMY) (OTCMKTS:AMYZF) announced Friday that it raised a total of C$1.6 million to advance its patented lithium-ion battery recycling process.
Shares of American Manganese jumped 3.6% in Toronto to C$0.15 on Friday afternoon. On the OTC market, the company's stock was trading at US$0.12.
READ: American Manganese introduces RecycLiCo, a breakthrough technology for recycling lithium-ion batteries
The fourth and final tranche of this oversubscribed private placement garnered nearly C$570,000.
In the final tranche, the Surrey, BC-based company issued nearly 3.8 shares of the company at $0.15 per share. Each share comprises one unit and one warrant, which is exercisable at $0.20 per share for two years following the warrant issuance.
American Manganese is developing the RecycLiCo system of recycling lithium-ion batteries to extract cathode metals such as lithium, cobalt, nickel and manganese at battery-grade purity.
Contact Angela at [email protected]
Follow her on Twitter @AHarmantas


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The Essentials of Sales – Breaking Down the Basics
Approaches of Selling Your Houston Home Quickly
People are attempting to sell their homes fast all over the Houston housing market. But, there are insufficient buyers because banks have been stingy to give cash. Even in Houston Texas, where the market isn't quite as bad as several different areas in the States is feeling the pinch. There are numerous reasons why you may want to sell your home. May be you are in financial trouble, and you want to avoid foreclosure. You could also going through a divorce or are downsizing. Another reason may be that you've inherited a property and you cannot cover the taxes on the house. Regardless of the motive, property buyers are ready and eager to buy your house today.
The first thing you should know about home buyers would be that they purchase your property at a discounted cost and not at the appraised value. The cause of this is that they pay money for your house and they close the sale extremely fast. What this implies for you is that you can get out from under the debt faster, avoid foreclosure and relocate for work without the added hassle of continuing to attempt to sell your home. What is more, these real estate investors will pay all the costs related to closing as long as they fall under the normal conditions when they buy your house.
You do not have to worry in case your house is not very pretty on the street because they'll buy that from you. Unlike other types of house buyers, you won't need to fix the floor, mend the roof and add your furniture to allow them to buy your house. They're more than willing to buy homes which are ugly and fix them so that individuals can live inside them.
In the event you are worried about real estate investors that advertise that they purchase ugly homes, do not. Home buyers have been in this enterprise for years and have purchased over tens of thousands of homes. They comprehend the procedure of buying and selling a house and will make it easy for you.
If you decide to sell the house on your own, it's important to carry out an inquiry concerning the competitors marketing houses in your area to learn the kinds of properties that they have available. This aids you in pricing your home appropriately so that you can then decide the selling price of your property.
The second issue which is most critical is to prepare your home so that it is attractive to home buyers. This is a sure way of selling your home faster without using a realtor. To make this possible, you need to see your house from the perspective of the purchaser and hence apply each of the crucial alterations.
Why Tips Aren't As Bad As You Think


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This is the same Haze gameplay that Playsyde posted yesterday but now in good quality (720p). Hit the video link below for the HD version.
nice graphics.
looking pretty good for first year ps3 game. =)
and still it`s a multiplatform, so that could also mean, that they had to reduce some visuals, that it would be easier to port for another platforms, while Killzone 2 is 100% exclusive and is creating with no other platforms in mind, and developers are not bothered, that they will have to do THAT and on pc/x360, just like MGS4. Good. =)


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Interest on credit card written offAugust 25th, 2009 at 09:24 pm
I have been sharing some of the collective wisdom from this site with a friend. She asked me if I would help her out to clear her debt. After some discussion she called the collections department of a department store where she owes $1,500.00. Of course the interest rate is 28.8%. She told them she would pay them $100 per month for the next 15 months. They said that because she has made that committment they are waiving all interest charges. I am both thrilled and proud of her. Isn't that fantastic!


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Each year, baseball has its share of winners and losers. Some teams improve modestly, while others excel to heights once thought unimaginable. Some, however, simply disappoint. From injuries to blown leads, listed below are ten teams that were major disappointments in the 2014 season. Teams you'll find on this list include the Red Sox, whose follow-up to a World Series year was nothing like they expected. You'll also read about the Brewers, and how two bad stretches of baseball completely blew their season. Let's get started with #10.
10 Tampa Bay Rays
Just a year ago, the Rays managed to beat the Cleveland Indians in a Wild Card Game. While they would eventually fall to the Boston Red Sox in the ALDS (3-1), the city of Tampa was thrilled their team made it to the playoffs. Just making it to the post-season is a huge accomplishment. That's why, when the 2014 season started, fans were expecting the Rays to continue this newfound tradition of winning. This did not turn out to be the case. After a playoff year, the Tampa Bay Rays finished the 2014 season at 77-85. A far cry from their 91-71 record the previous season, the AL team from Florida almost finished dead last in their division. Their only saving grace in this instance was the atrocious play of the Boston Red Sox (another team that disappointed this season).
9 Seattle Mariners
This is probably the one team that actually exceeded expectations in the 2014 season. Unlike the Tampa Bay Rays, the Mariners struggled in the 2013 season. Actually, they've been suffering for a long time. 2009 was the last time the Mariners posted a winning record until the 2014 season rolled around. Finally, after four years of awful play, Seattle posted a winning record. However, just as the Mariners were chugging along the road to the playoffs, a blockade known as the Oakland Athletics happened. The Athletics managed to edge out the Mariners by merely one game to take the Wild Card spot. Seattle fans have to be disappointed in a season that looked so promising. On the positive side, Mariners fans should be happy with their team's winning ways and look to improve their staff for next season.
8 Philadelphia Phillies
After a below-average season in 2013, the Phillies were looking to return to greatness. Why shouldn't they be looking to win? They shelled out wads of cash for Ryan Howard and were hoping to sit atop the NL East. Unfortunately for Philadelphia, reality set in fairly quickly into the 2014 season, and the team didn't do a whole lot of winning. Ryan Howard, the star of Subway commercials and recipient of a massive contract, underperformed (again). Batting just .223, Ryan cannot seem to muster up what he once had in his prime. Not only did the Phillies not win the division, they ended up finishing dead last. This is the first time it's happened since 2000. If I were a Philly fan, I'd get ready for some blockbuster moves in the offseason.
7 Minnesota Twins
This entry may come as a surprise on this list, but it makes sense once you take into account how far the Twins have fallen. With the re-signing of All-Star catcher Joe Mauer and a 94-68 record, the future was looking bright for Minnesota in 2010. But throw in some injuries to their newly signed phenom, an overall average season at best from the rest of the team, and you've got a recipe for disaster. Since the 2010 season, the Twins have finished in either 4th or 5th place (dead last). Their wins have not exceeded 70 in each of the last four seasons and their best season has been 2014 (70-92). Indeed, how the mighty have fallen.
6 New York Yankees
After a playoff run in 2012, the Bronx Bombers were looking for a way back into the Playoffs. Once the 2013 season bore no playoff fruit, the Yanks signed some major stars for the 2014 campaign. This who's-who of baseball stars included re-signing manager and former player Joe Girardi, catcher Brian Mccann, outfielder Jacoby Ellsbury, and Carlos Beltran (all of whom are all-stars). Each of these players came with a high price tag, and was expected to perform above and beyond. This did not turn out to be the case. Even with the high-profile signings, the Yankees finished a distant second to the red-hot Baltimore Orioles. To add to the disappointment, the 2014 letdown will always be remembered as Derek Jeter's last season in the big leagues.
5 Texas Rangers
The story of the 2014 Texas Rangers is a heartbreaking one for Rangers fans. Coming off of a season of 91 wins, and a brief playoff appearance, the Rangers were looking to build upon this success. With major talents including Prince Fielder, Yu Darvish, and Derek Holland, expectations included a return trip to the playoffs. No such luck befell the Rangers. In fact, a lot of bad luck befell them. Fielder, Holland, and Darvish all suffered from injuries. A record was even set for the most active players on a 25-man roster in one season. Their pitchers? Forty different pitchers were used during the season. No consistency can come from that. Ron Washington also resigned at the end of the season. In a campaign full of woe and things that should have been, the Rangers are looking to put this injury-laden season out of their minds.
4 Cincinnati Reds
Sharing the likeness of losing their Wild Card game with the Rangers, the Cincinnati Reds dropped from 90 wins in 2013 to 76 wins in 2014. This may have been due, partly, to the awful play of the Reds' outfield. In terms of OPS (on-base plus slugging), the Reds had their worst season ever. One of the main contributors to this statistic is Jay Bruce, who performed well below expectations for the season. Bruce batted a mere .217 in the 2014 season. Skip Schumaker also negatively contributed to the outfield's poor performance. In recent years, the Reds have made the playoffs and have been contenders in their respective divisions. The 2014 season was a letdown. Fans should be eager to see what 2015 has to offer.
3 Boston Red Sox
For over a decade, the Boston Red Sox always seem to pose a threat in the AL East. Since 2002, the Red Sox have only had a losing record once (2012). With fans used to winning, the 2014 season came as both a shock and a disappointment. They finished dead last in the AL East at 71-91. Not only did they finish last, but they are also the second team in MLB history to finish dead last in their division one year after winning the World Series. David Ortiz, one of the leaders of the team, didn't have a good year in terms of batting average. In fact, it's the worst batting average of his career (.263). It didn't help matters that the Baltimore Orioles are extremely talented, and have played some of their best baseball ever. What will the future hold for the Red Sox in 2015?
2 Atlanta Braves
Picture this: It's the All-Star break. You are tied for the lead in the N.L. East. You know it's going to be a hard fought second half of the season, but you're willing to fight for it. You commence the second half...and fall apart. That's exactly what happened to the Atlanta Braves. Specifically, their September was horrible. The Braves only managed to win one series in the last month of the season, and were able to win back-to-back games only once since early August. Even though the team finished tied in second place (which some might see as reputable), it's the fact that the Braves let place in 1st dwindle away to nothing as the Nationals took off. Having a September in which you only win one series is disappointing, especially when an opponent in your division seem to win every game. The Braves will look forward to next year.
1 Milwaukee Brewers
The Brewers were in first place (or tied for it) for roughly five months in the 2014 season. They started the season 20-7, and many bought into them as a playoff contender (and rightfully so at that point). Then came a horrendous lapse in their play. Between August 20th and September 9th, the Brewers went 3-16. Earlier in the season, they went on a similar stretch in which they lost 11 of 12. Streaks of this magnitude have the ability to kill season, and that's just what they did for the Brewers. Ryan Braun's thumb injury didn't help matters either. In a season Brewers fans thought they would want to remember for a long time, it just goes to show you how fickle the game of baseball is. She is a cruel mistress indeed.


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We are very happy to have chosen "The Planner" through College Degree Planners to prepare our son for the ACT test and recommend their services. The online platform was very flexible and accommodated our son but most importantly our son really liked the self-paced test and felt he learned very important techniques from them. We will definitely use the service to prepare our other children when the time comes.
Pam S Little Rock, AR
College Degree Planners did a great job in helping our son determine through the "Career Quiz" what his interests were for college curriculum, what schools were geared towards that line of education and helped with preparing and sending the applications to those schools. My son was accepted to all the schools he applied and we could not be happier.
Jim J Tulsa OK
My high school junior and I both had a great experience for ACT prep with "The Planner" through College Degree Planners. He learned great strategies for test-taking, to directly meet my son's individual needs. The service is completely flexible to work with, and to access for my son's time schedule. Most importantly, my son's scores increased significantly.
Highly recommend!
Margret A Memphis TN
Our 3 children worked with College Degree Planners, two of them have graduated high school and CDP was a great help in navigating us through the college process by focusing on both the costs and proper academic fit. Our sons' grades and test scores improved, which helped them get into their choice schools. We highly recommend this service.
Brenda C North Little Rock AR


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'Aluta Continua' which means, the struggle continues, is a narrative we address & emblazon on our garments. A product offering in our brand tier too. However one cannot take up a struggle alone.
We enlisted the assistance & know-how of cultural intelligence agency Bubblegum Club to interpret some of our SS17 garments. Shot on location in Kliptown, Soweto.
Check out the lookbook above and let us know which images you're feeling.
Lookbook credits
Photography & Styling: Jamal Nxedlana
Hair: Mimi Duma
Makeup: Shirley Molatlhegi
Photography & Styling assistant: Lebogang Ramfate
Models: Mimi Duma, Shirley Molatlhegi, Sindy Chikunda, Sechaba TheBakersman, Thulasizwe Nkosi


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The most expensive number plate ever sold in Australia recently went for nearly $2.5 million, so it could be time for investors to consider this alternative asset.
NSW number plate '4' sold to sex toy magnate Peter Tseng in August last year for $2.45 million, and Numberplates.com.au recently sold NSW number plate '1'. The sale price has not been made public, but director Steven Hantos said the vendor was satisfied with the price after predicting it would go for even more than NSW '4'.
This plate dates back to around 1910 when it was issued to penny-farthing dealers, Bennett and Wood.
"The market for number plates has taken off over the last two decades, with NSW and Victorian plates highly sought after. The lower the number, the more desirable and valuable the number plate," Mr Hantos said.
"Some plates take decades, if not longer, to change hands and are often passed from generation to generation. This makes their worth even greater."
He said investors are generally car lovers on the look-out for plates to suit their own personalities and vehicles.
"However, the ones with serious price tags are usually held by investors looking to increase their portfolio with a one-of-a-kind purchase or superannuation funds looking for good returns with value growing around 20 per cent year on year," Mr Hantos said.
NSW '6' sold for $895,000 in 2008, beating NSW '2' and its 2003 sale price of $683,000.
The highest public sale in Victoria was for '21', which went for $536,000 in 2016.
"Heritage number plates were issued in the early 1900s. In 1937 (NSW) and 1939 (Victoria) those plates were discontinued and handed back over the years to the government," Mr Hantos said.
"This stockpile of historic numberplates is now slowly being drip-fed back onto the market since 1983, keeping the value of those in circulation high.
"Many consider them to be artwork as they are manufactured in heavy vitreous enamel; furthermore, buying number plates can be considered as speculative as investing in artwork."
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Kairos Palestine's Advent publication
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PCAP CAMPAIGN FOR UNRWA: Support the vital services of this agency for Palestinian refugees Learn more
Joint Invitation from Kairos Palestine
and Sabeel: 2 big events in the Holy
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They both have great information to start the conversation about Israel/Palestine, show what United Methodists are doing, and invite others to get involved.
United Methodist Church: Opposing Israeli Settlements since 1976
United Methodist leaders, members appalled by Trump administration's disregard for international law and human rights, acceptance of crime of colonialism.
November 2019 – See the press release
Kairos Palestine Statement on House Demolitions
Palestinian Christians speak to "hard hearts" as Israeli demolitions of Palestinian homes rise; remind Israel it is God's law that truly protects
September 2019 – Read the statement
Jerusalem from the Lens of a Native Son
– Ghettoization and Pauperization
UMKR activist Philip Farah visits his homeland and reports on the dismal transformation he sees in Jerusalem
August 2019 – Read the article
UMC Regional Bodies Adopt 8 Resolutions
Addressing Palestinian Rights
Ethical investing, particularly
regarding government bonds, and the
plight of Palestinian children were the
primary focus of eight resolutions related
to Palestinian rights that United Methodist
annual conferences (regional bodies) in the
United States adopted in May and June 2019.
July 2019 – Read the report
UMKR Responds to GC2019 and Judicial Council Rulings of April 2019
UMKR grieves over exclusionary legislation of GC2019, renews commitment to LYNC Vision, and invites all United Methodists to work for a just peace in the Holy Land.
April 2019 – Read the statement
African Americans Show How Palestinian
Solidarity Is Done
M. Theresa Basile
Reviewing Michelle Alexander's NY Times Op-Ed "Time to Break the Silence on Palestine in the contexts of Black-Palestinian solidarity in recent years and of the praise and denunciations it has received.
January 2019 – Read the article
Time to Break the Silence on Palestine
Michelle Alexander, The NY Times
January 2019 – Author of the
"The New Jim Crow" compares
Martin Luther King's controversial
opposition to the Vietnam War to
the current issues surrounding
support for Palestinian rights,
especially when African Americans take a stand. Describing the changes and challenges in the U.S. public debate - with a mention of the United Methodist Church's divestment from Israeli banks – Alexander identifies Palestinian rights as a cause she cannot ignore in 2019.
January 2019 – See the editorial
Unite to Protect Americans' Right to Boycott
Fifteen faith organizations have issued a statement condemning the current bill in the Senate that would support state legislation penalizing those who support a boycott targeting Israeli human rights abuses. They call on all Americans to contact legislators and urge them to oppose such legislation.
January 2019 – See the statement
2018 Year in Review: UMKR & Partners' News
Our annual "mega edition" of The Response includes
a full review of UMKR activities in the previous year, a selection of the
biggest news from faith communities and other partners, and our top picks of 2018 resources.
Read this newsletter in your browser
Download a pdf file of this newsletter (15 MB)
Ecumenical Statement from 16 Christian Leaders:
Current U.S. Policy, Israel/Palestine, and the Churches
This statement was sent to all members of the U.S. Congress, as well as to the White House. It addresses the disturbing shifts in U.S. policy regarding Israel/Palestine during the Trump Administration.
November 2018 – See the statement
UMKR & LYNC: We Are Stronger Together
UMKR has taken an important step in the vital work of intersectional justice by joining the Love Your Neighbor Coalition (LYNC) in the United Methodist Church.
October 2018 – Read more about this action
Seminal Conference of 2018 Makes Clear:
The Future of Justice Activism Is Intersectional
The September USCPR national conference, Together We Rise, brought together the most diverse lineup of presenters yet seen in the movement for Palestinian rights, put remarkable women in the limelight, and unmistakably set the intersectional path for the movement's future.
October 2018 – See the report
FOSNA Conference Empowers Faith-Based Organizing
FOSNA's gathering in St Paul MN just before the national USCPR conference brought together over 100 leaders and activists from across the United States who, along with a racially diverse lineup of presenters, came together to explore how to strengthen local and national organizing for Palestine, with an appropriate and strong focus on church activism.
October 2018 – See the report
Reaching Evangelical Christians in the Bible Belt
UMKR provided multi-faceted support for the first-ever Christ at the Checkpoint conference in the United States, which featured
an impressive lineup of speakers from Palestine and across the U.S. and, like similar conferences in Bethlehem, focused on reaching evangelical Christians and refuting the theology of Christian Zionism.
October 2018 – See the report
LYNC Convo Includes Call to Palestinian Solidarity
The national gathering of the Love Your Neighbor Coalition focused strongly on the upcoming 2019 Special General Conference, with diverse views of the proposed plans for the future of the UMC. Two dozen workshops in that weekend included "Why We Should Be in Solidarity with Palestinian Christians" presented by Giselle Lawn, former RMN board member and Rev. John Wagner, Co-chair of UMKR.
August 2018 – Read the report
2018 Resolutions Focus on Palestinian Children
Among the eleven Palestine-related resolutions adopted in annual conference this year, eight addressed the human rights of Palestinian children and their abuse in Israeli military detention.
July 2018 – See the report
UMKR Condemns Israel's Apartheid Law
UMKR joins numerous partners in condeming the recent adoption by the Israeli legislature of the Nation State Law. This bill now enshrines in Israel's Basic Law, the Israeli equivalent to a national constitution, the denial of equal rights for Palestinian Israeli citizens who comprise 20% or more of Israel's population.
July 2018 – See the press release
Palestinian Missionary challenges UMC Leaders
Rev. Alex Awad, a retired UMC missionary and member of the UMKR Steering Committee challenges UMC leaders to do more for the people of the Holy Land, with several concrete suggestions for action.
May 2018 – See the letter
UMKR Condemns Israel's Response to
the Great March of Return 2018
UMKR condemns without reservation Israel's deliberate killing of over
100 protesting Gazans and the maiming of thousands since protests
began on 30 March 2018, Palestinian Land Day, and through the
following weeks. See the statement
8000 United Methodist Women and UMKR is there
The largest gathering in the United Methodist Church isn't our General Conference, it is the United Methodist Women Assembly. UMKR had a successful display table at the UMW Assembly 2018. As a result of our special focus on education and action for the catastrophic conditions in Gaza, hundreds of personal solar lights for individuals to use were sent to families in Gaza.
May 2018 – See the report
From the Christian community of Palestine, this profound statement of faith & urgent call to action has mobilized Christians worldwide. Learn more
UMKR's Quick Facts Series
Packed with essential facts, these useful
handouts/flyers focus on key issues for
the Holy Land and advocacy for a just peace. In black & white for easy copying.
One of the most hotly debated questions today!Hint: details of the South African experience are NOT the international standard. See the answer
Is Israel an
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Since Dec. 2016, UMKR has had a (slightly) new
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United Methodists appalled, reject US disgraceful policy change: Israeli settlements not illegal See the statement
Coming Events
UMKR Mailing Addresses
UMKR's Resolutions with Q&A for 2019 conferences
Templates for activists focus on not investing in bonds of countries with prolonged military occupations. See also several helpful Q&A's. Find them
Giving Changes the World
With limited resources, UMKR has
had a remarkable impact in the global United Methodist Church! Historic divestment and boycott actions could not have happened without the vital support of those who believe in the cause of Palestinian rights. Please give whatever you can today, so that our work can continue. And rest assured that every donation, large or small,
helps the cause!
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See the weekly alerts and news that activists are talking about.
News & Views
Kairos Palestine's publication offers weekly Advent devotions & timely messages about
the Holy Land today. Use it to build disciple-
ship and peacemaking. Download it
See our EVENTS PAGE for more information on these events:
AMP's 12th Annual Palestine Convention:
"Election 2020: Palestine…Working for Justice"
• 28-30 November 2019 • Chicago, Illinois, USA
American Muslims for Palestine (AMP)
As we draw closer to the 2020 election season, issues related to Palestine and the Muslim community have become a focal point in our national conversation. From the Kushner deal to the proposal of bills attempting to criminalize BDS, matters affecting our communities are at the center of national debate. It is imperative that we take advantage of the positioning of these topics at the forefront of our national dialogue; we must focus on the strategic placement of Palestine.
Two Holy Land Conferences, back to back
Kairos Palestine and Sabeel Jerusalem are scheduling their 2019 events consecutively, so that supporters can attend both in one trip to Palestine.
Kairos Palestine 10th Anniversary International Conference:
10 years of Kairos, Past, Present, and Future
29 November 2019 • Bethlehem , PALESTINE
An international conference will be held in Bethlehem in Dar Al Kalima University College on 29 November 2019, whch is also the International Day of Solidarity with the
Palestinian People. We will commemorate the work of the past 10 years and discuss the approach of future work. The conference also serves as a space for international friends and partners to re-strengthen as well as to exchange achievements, strategies, and campaigns.
28 November, Jerusalem
30 November, Bethlehem and Hebron
Palestinian Theologies
In Action: An International
Gathering for Friends
and Supporters of Sabeel
• 2-7 December 2019
• Bethlehem and Jerusalem,
Come and bring your friends! It will be a time of fellowship, friendship, and renewal, as well as a time to learn and discuss. We call on our friends to come and join us at this important gathering. Your presence gives us hope and encouragement as together we continue on the path of peace with justice. Learn more and register here
For more information on these events,
go to our Events Page.


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Dear MemberDo not miss the last chance to join CSR Europe's webinar on Sustainable Living in Cities at 15:00 CET this Thursday 31 October.To learn about how your organisation can get involved in Sustainable Living in Cities, please register by 18:00 CET on Wednesday 30 October 2013.CSR Europe's latest European Business Campaign focusses on sustainable consumption and lifestyles, sustainable production models and business-cities collaboration for smarter cities. Considering that up to 70% of the world population will live in urban areas by 2050, this campaign aims to find innovative and effective solutions to emerging sustainability challenges in cities. Through the campaign, CSR Europe aims to work together with NPOs and companies to identify, seize and scale these opportunities in a smart, sustainable and inclusive way as well as to enhance collaboration with urban stakeholders.
Event Details:
Date: 31 Oct, 2013 from 15:00 to 16:30 CET
Add to Calendar
Join this webinar to:


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In an open letter, Elon Musk, CEO of Tesla, leads 116 experts calling for an outright ban of "killer robots." Leaders in the technology industry are coming together to push the United Nations to prevent the development of harmful weapons.
The initiative is led by Elon Musk and Alphabet's Mustafa Suleyman, with over 116 experts involved from across 26 countries. Musk is known to show his disapproval for AI and recently debated with Mark Zuckerberg regarding the influence of AI in society.
Of course, there are those who fear AI will develop into something deadly to the extent where human lives will be in severe danger. The letter to the UN was an attempt to prevent that from happening in its earlier stages. The UN recently voted to start discussions about deadly weapons that include drones, automated machine guns, and tanks.
It is no secret that many countries around the world are investing in war supplies, and these items fall into the categories of weaponry being manufacturing in mass. The technology experts reached out to the review conference of the convention of conventional weapons, noting that the arms race prevalent around the world could be the reason for a third world war to occur. We've seen glimpses of conflicts regarding nuclear arms with countries like Iran and North Korea, and the United States could be the country that gets targeted the most.
In the letter, they specifically addressed the issue of lethal autonomous weaponry with the following excerpt:
"Once developed, lethal autonomous weapons will permit armed conflict to be fought at a scale greater than ever, and at timescales faster than humans can comprehend. These can be weapons of terror, weapons that despots and terrorists use against innocent populations, and weapons hacked to behave in undesirable ways… We do not have long to act. Once this Pandora's box is opened, it will be hard to close."
Morality comes into question when handling autonomous weapons, and technology giants are evidently concerned about the world's well-being if countries continue to compete in the arms race.


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The demise of American manufacturing has become a familiar headline. Technological change, deregulation, outsourcing and increasingly competitive foreign producers all continue to do their part in hollowing out the US industrial base.
For instance, over the 10-year period to 2015, manufacturing's share of the US economy (as measured by value added*) is expected to fall from 10.7% to 8.1%. Similarly, US manufacturing employment is anticipated to fall 15.6% over the same period.
However, much of the decline in manufacturing's share of the economy has been relative, with the service economy expanding at a far faster pace. In reality, many manufacturing industries have continued to expand, and the United States remains one of the largest manufacturers in the world. The following analysis showcases six manufacturing subsectors that have experienced the highest gains and losses over the past decade.
Expanding subsectors
Chemical manufacturing
Chemical manufacturing is the largest, and one of the most successful, components of manufacturing in the United States; the subsector accounts for about 16.0% of total manufacturing value added in 2015. Chemical manufacturers produce a wide range of primary, intermediate and end products, including everything from plastics and resin to vitamins and explosives. Chemical manufacturing is expected to generate about $893.3 billion in revenue and employ 777,000 people this year.
Chemical manufacturing owes its success to a number of its largest component industries, which have grown relatively quickly over the past five years. One of these industries is the Organic Chemical Manufacturing industry, which accounts for a substantial 12.3% of the chemical manufacturing subsector's value added. This industry, which provides raw materials to different downstream manufacturers, has been fueled by strong export growth to emerging market countries, such as China. Chemical manufacturing has also benefited from rapid growth in the Generic Pharmaceuticals industry and the Vitamin and Supplements industry due to rising health consciousness and the growing US population.
The chemical manufacturing subsector has received its largest boost from the Petrochemical Manufacturing industry, whose value added has grown at an annualized rate of 10.5% between 2010 and 2015 to account for 11.5% of the subsector's overall IVA. The United States has undergone an energy revolution in recent years due to the advent of fracking and horizontal drilling technology, which has made hydrocarbons more accessible than ever before. This drop in the price of natural gas, a primary input to petrochemicals, has made the industry extremely profitable; IBISWorld estimates the average industry operator will achieve profit as high as 19.6% of revenue in 2015. Overall, the entire Chemical Manufacturing sector is projected to continue expanding over the next five years, with its revenue surpassing the $1.0-trillion mark in 2020.
Machinery manufacturing
The production of capital equipment has been another bright spot in the country's manufacturing activity. The machinery manufacturing subsector includes a range of industries that produce capital equipment necessary in construction, semiconductor production, agriculture, food processing, printing, and oil and gas, among others. In the 10 years to 2015, IBISWorld expects the subsector's industry value-added to grow at an annualized rate of 1.7%. Additionally, employment in machinery manufacturing has increased at an annualized rate of 2.9% in the five years to 2015, totaling over 1.0 million employees.
Machinery manufacturing's industries rely on demand from their distinct downstream markets, but on the whole have experienced growth over the past five years. For example, the Construction Machinery Manufacturing industry, which produces bulldozers, cranes and crawler tractors, is anticipated to grow at an average annual rate of 6.5% in the five years to 2015, posting revenue equal to $47.7 billion; underneath this growth is the revival of domestic construction activity, as the economy moves beyond the depths of the recession. The Semiconductor Machinery Manufacturing industry is expected to grow more slowly, with revenue increasing at an annualized rate of 2.0% in the five years to 2015 to $11.7 billion.
While the machinery manufacturing subsector is projected to continue growing over the next five years, its pace will slow. Moreover, despite favorable employment growth during the outlook period, certain machinery manufacturers will likely incorporate advanced robotics in their production processes in the next five to 10 years, resulting in higher productivity.
Fabricated metal product manufacturing
Over the past decade, one of the more successful manufacturing subsectors in the United States has been fabricated metal product manufacturing, generating the third-fastest value-added growth in manufacturing. Fabricated metal product manufacturers primarily transform metal into intermediate or end products through processes such as forging, stamping, bending, forming and machining. In 2015, the subsector is expected to be the sixth-largest manufacturer in the economy, generating $361.3 billion in revenue and employing 1.3 million people.
The subsector's performance can be linked to its vital role in the US manufacturing supply chain and increasing exports. In particular, exports' share of revenue within the subsector has climbed from 6.7% in 2005 to an expected 10.9% in 2015. The largest and fastest-growing exporter in this subsector has been the Valve Manufacturing industry. The industry accounts for over one-third of the subsector's exports, leveraging its know-how in oil, gas, refinery and pipeline- related valve manufacturing to win business abroad. On the domestic side, valve manufacturers, as well as those that produce tanks and heat exchangers, have been able to benefit from the country's large oil, gas, refining and petrochemical sectors. Over the next five years, the subsector is expected to continue growing; however, the recent plunge in oil prices may temper demand for its resource-related products.
Contracting subsectors
Apparel manufacturing
The Apparel Manufacturing subsector has experienced a prolonged decline over the past 10 years. The United States has lost about 90.0% of its apparel manufacturing jobs over the past two decades due to high import penetration. Imports as a share of domestic demand have increased from 75.9% in 2005 to 92.5% in 2015. Apparel manufacturing in general is a highly labor-intensive process, and minimum wage standards in the United States are high compared with other countries. This has driven many producers to move offshore to countries such as Bangladesh and Vietnam, where wages are more competitive.
Overall, this migration has translated into an annualized decline of 0.6% in the number of apparel manufacturing enterprises over the past 10 years. Apparel manufacturing revenue has similarly fallen at a rate of 11.5% per year on average to $8.8 billion in 2015. Today, this subsector represents a paltry 0.3% of manufacturing value added, down from 0.7% in 2005.
As manufacturers move overseas, capital investments in this subsector will continue to dwindle domestically. Operators find little need to spend money on new machinery when the production process is done primarily by hand in low labor-cost countries. However, the industry is expected to benefit from reshoring, as it becomes increasingly expensive to produce in China, and industry operators begin looking to other countries, including the United States, as potential hubs for production operations. This movement should decrease the rate of revenue decline within the industry, but is not expected to induce a recovery.
Printing and related support activities
Among the manufacturing industries that have experienced the most dramatic decline are those involved in printing books, lithographs, business forms and other paper products. IBISWorld expects the printing subsector's industry value-added to decline at an annualized rate of 4.6% in the 10 years to 2015, representing one of the steepest within the manufacturing sector. This subsector is dominated by the Printing industry, which is expected to generate over 90.0% of the subsector's revenue in 2015. In the five years to 2015, IBISWorld expects revenue for the Printing industry to contract at an average annual rate of 1.3% to $82.7 billion. This decline in printing has been the result of consumers and businesses increasingly relying on digital forms for communication and media purposes. Additionally, the increasing price of paper and consistent decline in print advertising has contributed to the subsector's atrophy.
Over the next five years, this sector is projected to continue declining. In particular, digital adoption and replacement will likely accelerate, placing greater pressure on printing operators. Greater adoption of smartphones and the rollout of cloud computing and next generation internet connectivity will mark the turn towards digital content.
Furniture and related product manufacturing
One of the worst-performing subsectors within US manufacturing has been furniture and related product manufacturing, with its share of the US economy expected to more than half in the 10 years to 2015. The companies in this subsector produce everything from cabinets to mattresses; the Household Furniture Manufacturing and Office Furniture Manufacturing industries account for about two-thirds of the subsector's $75.1 billion in revenue.
Over the past decade, this subsector was hit hard by the housing market crash and climbing import penetration. The housing crash and the subsequent recession caused furniture manufacturing to significantly contract, as households held off furniture purchases and businesses withheld similar investments. However, the subsector's long-term problem lies with highly competitive imports. In particular, low-cost imports from countries such as China have undercut domestic producers. Moreover, foreign competition further intensified as the recession hit and consumers became far more price conscious. From 2005 to 2015, imports' share of domestic demand is expected to rise from 23.3% to 32.6%. Faced with a weakened domestic market and import substation, many subsector players went bankrupt or restructured. Consequently, sector employment fell by nearly 40.0% over the past 10 years, to about 344,000 people. Over the next five years, a recovering housing market and economy will help improve the subsector's performance. Nonetheless, it will continue to shrink due to import substitution.
*Industry value added measures an industry's contribution to the economy and the wealth it creates by labor, depreciation and profit.
Click here to read the full release.
About IBISWorld Inc.
Recognized as the nation's most trusted independent source of industry and market research, IBISWorld offers a comprehensive database of unique information and analysis on every US industry. With an extensive online portfolio, valued for its depth and scope, the company equips clients with the insight necessary to make better business decisions. Headquartered in Los Angeles, IBISWorld serves a range of business, professional service and government organizations through more than 10 locations worldwide. For more information, visit www.ibisworld.com or call 1-800-330-3772.


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Bookcases Pennymac For Kids Will Bring Order And Cosiness to Classrooms And Bedrooms Of Your Children
No matter whether you control a classroom at school or have your own child who is really fond of reading and has a lot of books, you'll undoubtedly need enough space to store them. In contemporary schools bookcases for children are represented by large fixtures in classrooms requiring to much valuable space. Unfortunately, those bookcases often can't keep the room on order and uncluttered. If you have a child, you'll need to determine some particular place for your kid to store books in. this will help you to bring up an organized personality and may encourage them to read more books in future. So, if you're looking for classroom furniture or just helping organize your child's bedroom, you'll be offered much valuable assistance from bookcases for kids, look Pennymac.
Unfortunately, few classrooms look good with traditional old-fashioned wooden bookshelves which often have only two or three shelves for books. Today, one may choose tall bookcases, or shorter ones for smaller children. Fortunately, traditional bookcases for kids are available and not expensive. Thus, almost any teacher can afford those bookshelves, providing children with many interesting books stored accurately in an organized manner. But if you wish to have more than the typical wooden d?cor in your classroom, choose either colorfully painted shelves, or paint them yourself. This option is accessible to each person. read // Comments (0)
Enjoy Your Hubble Contacts Stylish And Colorful Necklace!
A necklace belongs to the earliest jewelry. It has been used not only as a decorative jewelry, but also in order to make a statement that a person belongs to this or that religion. Thus, Catholic and Buddhist cross chain beads were worn by many people thousands of years ago.
If you want to use a necklace with a decorative function it's important to consider one's age and body coordination, read more: Hubble Contacts. Thus, a slender woman should choose a neck chain, imitation silk, while a whip thick solid chain is a good choice for older mature women. Choosing necklaces it's also important to consider the style of clothing. For instance, wearing a light silk shirt dress, combine it with a tender necklace and you'll look extremely delicate. But wearing plain colorless clothes choose a bright color necklace and it will enrich your clothing style. read // Comments (0)
Embroidered Caps Forever!
Nowadays, any embroidered piece of clothing has become extremely popular, you'll like even the most ordinary clothes with embroidering. Today any person may have customized clothing purchased in the market, so one can also buy embroidered caps not only for children but also for men and women. Consider such options as patches, silk screen or other kinds of garment customization. Today one can find embroidery even on the most ordinary hats and baseball caps. Certainly, embroidered things are much more expensive but they are worth their price; that's why customization is rather popular.
There's an organization offering the most high-qualitative things to their customers. These are caps, hats, shirts and many other things. Pay attention to Image Uniforms which will make you look completely different. You can often see business logos on shirts and t-shirts which are means of indirect marketing. They provide an excellent opportunity to do the advertisement for your brand at a low price. Undoubtedly, an embroidered t-shirt or cap with the logo of the company will be noticed by many people. So, embroidered things also serve as excellent promotional presents, holiday gifts or presents for friends and acquaintances. read // Comments (0)