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Types of Loans
The interest rate on a variable rate loan will vary over the life of the loan in line with the Reserve Bank of Australia's (RBA) official cash rate, albeit that the rate on the loan will be higher than the RBA's official rate.
Most of these loans are principal and interest (P&I) loans with a term of up to 30 yrs, however one can get interest only variable rate loans. These loans generally fall into three categories.
Honeymoon Rate variable loans are designed for first home buyers. They provide a discounted fixed rate for the first year, maybe 1% less than the Standard Variable rate, but then revert to the standard variable rate after the first year. The disadvantage with this type of loan is that you are generally locked into keeping the loan for a minimum 3 yr period and penalties apply if you wish to refinance or payoff the facility before this period.
Honeymoon Rate loans can be linked to Interest Saver / Offset accounts for Mortgage Reduction purposes.
A Basic Variable home loan has the lowest ongoing rate of interest but has few options compared with a Standard Variable loan.
A Standard Variable home loan has a slightly higher interest rate than a Basic Variable, but has more options such as allowing higher repayments to be made with the benefit of a redraw facility should one wish to later draw back out those extra payments, and the flexibility of being able to have a linked Interest Saver/Offset account attached.
Whereas Variable Rates are pegged to the RBA's official cash rate, the key market indicator determining Fixed Rates are bond yields.
A Fixed Rate loan typically allows one the ability to lock in the interest rate for a period of 1 to 10 years on a principal and interest (P&I) basis, or for 1 to 5 years for an interest only facility. The interest only loan is often chosen for investment property purchases as any principal payment on the loan is non-tax deductible whereas all interest payments are deductible.
The advantages are:
- These loans allow you to more accurately plan your finances as you know what your repayments will be for the life of the fixed term; and
- You are protected from interest rate rises during the life of the fixed term
The disadvantages are:
- The fixed rate is often (but not always) higher than the Basic Variable rate as you are paying a premium for the protection against a rate rise
- If official interest rates fall, you will be stuck with paying a significantly higher rate than that which you would under a variable rate
- You are generally not able to make additional repayments over and above the set repayment without incurring penalties, or if you are, you are limited in the amount of extra payments you can make
- They typically do not have the flexibility of an offset account or redraw facility as you would with a Standard Variable Rate loan
- You may incur a substantial penalty if you wish to refinance or sell your property prior to the end of the fixed rate period (this writer was quoted a penalty of $15K on a property he owns!)
If the advantages appeal to you but you are put off by the disadvantages, consider a combination loan.
A professional home package provides you with a range of discounts on bank accounts and lending products in exchange for an annual package fee. The amount of the discount offered by the lender is determined by the total size of the borrowings. The more you borrow the larger the discount offered. The size of the discount off the standard variable rate ranges up to 0.80% p.a. This discount applies for the life of the loan or until the professional package is cancelled by you.
Usually the package requires the borrower to open a transaction account and credit cards with the lender. The professional home loan package also includes a range of discounts and special offerings as part of the professional home loan package.
With this type of loan, you can access funds up to your approved limit at any time. Your salary can be paid directly into the loan account and you can access the balance of the loan at any time – like a credit card. You can use these funds to purchase shares, go on holiday, buy a new car, and start home renovations or so much more!
This type of loan is not suitable for many people; therefore we suggest you should check with us to ensure this is the most suitable loan type before you proceed with this loan.
As governments put more responsibility on individuals to fund their own retirements, many people find that their super and other income sources such as the pension don't provide enough money to support the lifestyle they want. An obvious option is to sell their biggest asset – their home, but that too may be part of the way they want to live.
This is where a reverse mortgage may provide the answer. A reverse mortgage is available to residential property owners over 60. It allows you to release funds using the equity in your home. You can use these funds as an income stream or for personal lifestyle needs like travel, home improvements etc.
Like a traditional mortgage there's interest to pay, but you don't have to make monthly repayments. The interest is capitalised, which means it's added to the amount of the loan.
When your home is eventually sold you'll pay back the amount of the loan (the cash you received) plus the interest owing.
There are a range of reverse mortgage options available. Which one is the most appropriate for you depends on your individual circumstances and other factors.
This is where our knowledge and experience can be invaluable. We look at your total situation and work with you to explain all your options and the advantages and risks associated with each. Then they'll ensure you get the full benefits from the loan of your choice.
These types of loans have risen greatly in popularity in recent years. They are predominantly aimed at the self-employed and business owners, but many others are taking advantage of them including casual & contract workers. The appeal of these loans is the fact that borrowers do not need to furnish documentation to the lender to substantiate their income. Borrowers need only sign a declaration stating their income.
It's often best to apply for Low Doc or No Doc loans using a good mortgage broker. They can tell you, before they submit your application to the lender, how much income the lender will likely require for you to qualify for the loan.
These loans also come in all varieties – fixed rate, variable rate, home equity / line of credit type Low & No Doc loans are all available.
Yet another credit card isn't your only option to manage your finances, especially for larger amounts. If you really want to take control, you need a loan that has certainty.
A personal loan can be a smarter choice for managing larger loan amounts than more common alternatives such as a credit card or topping up a mortgage, as it provides a controlled means of repaying the debt so it is paid off as quickly as possible in order to minimise interest costs.
Buying a dream car?
A Car Loan is a great way to finance your dream car and you could consolidate other debts all in one go. Pool your different debts into one loan, with one single repayment and just one set of fees. It'll save you a load of hassle and could save you money. It's easy.
Let Assured Lending Solutions get you the car of your dreams with our convenient auto loans.
You could be driving your new car this week!
Assured Lending Solutions can provide a variety of lending solutions for your business.
We have loan products that enable you to reach your goals, ranging of operating lines of credit to equipment financing.
Successful day to day operations require an uninterrupted supply of capital.
Assured Lending Solutions can provide you with a ready resource of funding to keep business running smoothly and profitably.
Allow our experienced team to help your business with its financing needs.
Assured Lending Solutions can provide a variety of lending solutions for your business.
We have loan products that enable you to reach your goals, ranging of operating lines of credit to equipment financing.
Successful day to day operations require an uninterrupted supply of capital.
Assured Lending Solutions an provide you with a ready resource of funding to keep business running smoothly and profitably.
Allow our experienced team to help your business with its financing needs.
Take control of your finances and eliminate debt stress!
Many home owners are refinancing their current mortgage to consolidate other debts, for example; personal loans, motor vehicle loans, credit cards and other bills.
By consolidating all these other debts, you can take advantage of the low mortgage interest rate and eliminate those high interest rate debts. Also by lowering your debt you are able to start saving for your future.
Refinancing your current home loan can provide you with the cash you need to pay off all other higher interest debt and provide you with cash to improve your lifestyle.
Reasons to Refinance:
- Lower interest rate
- Lower loan term
- Lower monthly payments
- Pay off other personal loans and debt
- Take cash out from equity
Drowning in debt – combine all monthly bills into one mortgage payment and get ahead
Assured Wealth Advisors can make buying your largest investment, your first home, the most exciting experience of your life.
The first home owner's government grant is designed to help those who are eligible, to buy or build their first home.
Are you eligible? – Let us help you find out!
With real estate values and LOW interest rates , NOW is the time to renovate your home.
Have you ever found yourself in a position of needing immediate access to funds to pay a deposit on a new property purchase, or complete a project?
Assured Lending Solutions can assist with tailoring a short term loan to suit your circumstances, and provide access to funds within as little as 24 hours.
Being left short of funds is generally unexpected and often the realisation comes at the worst possible time, with the consequences being extremely costly.
Assured Lending Solutions short term funding has provided a lifeline to many clients ensuring that their plans have not been derailed, saving them many thousands of dollars in the process.
* Lending services are authorised by Finconnect (Australia) Pty Ltd ABN 45 122 896 477 Australian Credit Licence No. 385888 a wholly owned subsidiary of Count Financial Limited.


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Writer to re-write blogs/articles that contain poor English
Rozpočet $30-250 USD
Hello, I am looking for a writer with an excellent comprehension of English to rewrite 5 blog posts (1,250 words each) and 3 articles (2,250 words each). Content is relatively complete, but the original writer had a poor grasp of English and may have been using Google translate. Most of the sentences have errors and some do not make any sense as is.
Looking to have the content re-written so it is usable. IT background is considered a plus as the writing is on app development, cloud enablement, artificial intelligence, business analytics, etc.
Uděleno uživateli:
Hi, I'm Rohan, and I'm ideally suited to rewrite your IT-related blogposts and articles. I'm a skilled writer with a BA in English Literature and I've written blogposts and articles for clients from across the globe. I Další
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subset: commoncrawl


text:
Taking a Different Kind of Walk
There's more than meets the eye when UC Irvine's Christian Ramirez takes the plate.
As he leaves the on-deck circle, the echo of the late '90s Latin hit "El Africano" permeates the stadium. The song, an up-tempo, dance-inducing tune is a reflection of Ramirez's energetic personality and an honor to his Hispanic heritage.
Making his way to the left side of the plate, the center fielder leans over and reaches down at the earth. Like a masseuse maneuvering his hands on the back of a patient, Ramirez strokes through the dirt of the diamond, rubbing his hands together to enhance his grip on the bat. While it may seem like a common practice to the average fan, it is a representation of Ramirez's toughness and grittiness on and off the field — traits he acquired growing up in the cuts of Santa Ana.
As he digs in, Ramirez looks down at the plate and gives the sign of the cross, symbolic of his beliefs, but more importantly an act of appreciation and humility. Ask Ramirez how it feels to be the starting center fielder for the UCI baseball team and he will tell you "it's a blessing."
Growing up, Ramirez did not have the same opportunities many people may have had. His family, like many in Santa Ana, lived on a check-by-check basis, earning just enough to get by every month. While his family was not able to provide him with many material possessions, they were able to raise him with much more than money could buy. Perhaps the most important thing, however, was their passion for baseball.
"My family is a big sports family," Ramirez said. "My dad loves baseball, so I think as soon as I began to walk, which as far as I could remember, I was three years old when I took my first swing. Every weekend revolved around baseball, so I grew up watching my dad and brothers play. It just continued from there."
"They are my biggest influence," he said. "They're tough. They taught me everything I know: to be tough and overcome, and to make sacrifices to get what you want. They encouraged me to pursue my dreams."
Surrounded by gang violence and poverty in his hometown of Santa Ana, Ramirez never would have imagined being where he is at now: playing Division I baseball and on the verge of graduating from a top public university like UCI.
"There was a lot of guys I looked up to [in Santa Ana] who were a lot better than I was at the time being left in the shadows," Ramirez said. "I started seeing the harsh realities of my hometown. They had a mentality of living day-by-day. Instead of making sacrifices for the future they were living for the moment. As if they believed that no matter how good you were, you were only going to play baseball up until high school. Eventually I started thinking like that too. 'Nobody from Santa Ana ever makes it, there's no way.'"
Temptations of the street life began to call as Ramirez began to fall away from his dreams of playing baseball beyond high school. It was this type of environment, however, that helped Ramirez to realize that he was in need of a better future.
"Where I lived it was easy to get caught up in the negativity Santa Ana offers," he said. "Obviously it's a good town and has its good things, but it has a lot of bad things too. I was surrounded by a lot of gang problems. Unfortunately I've witnessed somebody get shot just feet away from me. I've seen a lot of my friends pass away or be imprisoned. It's very easy to get caught up in that type of environment because that's what you're surrounded by."
After a couple years at Santa Ana High School, Ramirez decided he needed a change of scenery and transferred to La Quinta High School in Westminster. This is where his eyes were opened to the opportunities beyond high school.
"It was like a whole different world," he said. "What many in Santa Ana lacked, as far as having goals and being successful, I saw at La Quinta. I remember my first day, the first conversation I heard was a guy and girl talking and the girl was mad because she had applied to both USC and UCLA, and she wanted to go to USC but only UCLA had accepted her. I was like 'wow' because I would never hear anyone at Santa Ana talking about college so it was a huge eye opener."
With a fresh slate at La Quinta, Ramirez made the most of it on the baseball diamond and off the field. His work earned him a scholarship to play baseball at Cal State Los Angeles. As Ramirez prepared for his first year at CSULA, the man who recruited him, Pat Shine, had accepted a job as an assistant at UCI. Ramirez, unfamiliar with the new staff stuck around for his first year, but ultimately decided to transfer to the smaller Cypress College. After one year at Cypress he began to get offers from various schools, including an offer from a familiar face: Pat Shine at UC Irvine.
"I had developed a good relationship with Coach Shine so I decided to come here," he said. "Not only because of Coach Shine, but UCI offered excellent academics. It was only a couple minutes from home, so most importantly it allowed my family to come to every single game. It was a bit of a roller coaster. Playing for three schools in three years, but I saw it all as a blessing and it's made me a better player and a better person so I have no regrets."
With just one month left of his baseball career at UCI, Ramirez will cap off a stellar career as an Anteater. But for the man fans at the ballpark know as "T.T.," his biggest achievement will come on June 15 when he walks across the graduation stage to receive his diploma. Ramirez, a first generation Mexican-American, will be the first person in his family to graduate from a university.
"It speaks volumes," he said. "Everyone is just excited. I know my family is super proud of me, from my uncles and aunts. They've all supported me and they're definitely excited."
"He's a really good story," UCI head coach Mike Gillespie said. "He comes from some difficulty in his background. Through all these changes, he's survived. It hasn't been easy, but he's figured it out. He's had to grind it out, but he is going to graduate. 'So what? We're all supposed to graduate right?' but sometimes it's a little harder for some than others."
Standing at 5 feet 9 inches, Ramirez is far from the prototypical baseball outfielder. But it is this characteristic that has made Ramirez work three times harder at everything he does to prove naysayers wrong.
"It was just one of those things that I knew what I wanted in life and it didn't matter what the cost. I had to make a lot of sacrifices to get where I'm at," Ramirez said.
As Ramirez stands in the batter's box at home plate in his stance ready for the opposing pitcher's delivery, he's more than another baseball player. He's a symbol of hope for a city once plagued by gang violence and ravished by crime; a role model for kids like him who once believed there were no opportunities outside of Santa Ana.
"I've learned to love the adversity," he said. "Me being the little guy from Santa Ana I used it to motivate me. As I kept playing, people that I didn't even know would get my number somehow and call me and tell me 'hey, it's awesome what you're doing. A lot of kids here in Santa Ana admire you and want to be in your shoes, so keep doing what you're doing.' All of that just gives you extra fuel when you're having a rough time."
"Very few get the opportunity and luxury to play for a school like UCI so it's awesome because I feel like I'm representing them. Every time I go up to the plate I'm representing a lot of people: All the people that watch me and support me from my hometown. It's my fuel and my motivation just to be able to represent the people back home that look up to me."


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Sarah from Poppy in Singapore
In this episode of the Team Flower Podcast
We talk with Sarah from Poppy in Singapore and discuss:
- Flower Bars and Market Days
- Working with Kate Spade
- Flower Nail Art
- Apprenticeship Program
- Flower School
We are delighted to share Sarah's story with you via the Team Flower Podcast. Sarah has a bustling flower shop and flower school called Poppy in Singapore.
Poppy offers unique experiences including a Flower Bar and Market Day which we will tell you more about on the podcast. If you, like Sarah, believe that "every child is born an artist, the problem is remaining an artist when he or she grows up" you will enjoy learning more about how Market Day helps people rekindle a creative flame and stay an artist!
Sarah has worked with major brands like Kate Spade to help them express their brand through flowers.
When Sarah talks about passing the love of flowers on to the people who visit her shop, I can almost see her smile through her voice. She is truly leading the way in helping flowers make an appearance in the homes of everyday people on a regular basis. Each of her orders includes a special touch, a paper poppy which you can see in the video she has shared with us below.
The Poppy blog is very fun as well! You'll enjoy reading a variety of topics, including how to use dried flowers in nail art.
Are you considering an apprenticeship program at your flower shop? Listen and learn about how Sarah has approached this program in her business.
If you're looking to study, perhaps abroad in a new place with fresh perspective, Sarah offers a variety of opportunities!
You can connect with Sarah on Instagram @poppyflorastudio or through her website.


text: Set yourself apart from all turmoil, and dedicate yourself to your purpose and the assurance that The Universe knows your name, your current situation, and your challenges. Be at peace and trust it to lead you through the maze of circumstances that you now face. Don't be afraid; it's with you and will show you the way.


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Land For Sale in Lovelock, NV
Online Auction for 1,280 Acres w/Water Rights in Pershing County
Lovelock, NV 89419
Pershing County View Map
- Credit Card
Contingencies may be included with your bid
This online auction is for ±1,280 acres consisting of two (2) 640 acre parcels in Lovelock, NV. The properties are ideal for a commercial development as substantial water rights will be included in the sale along with access to power and gas.
Property highlights and features as follows:
- Includes 5,280 Acre Feet of agricultural water rights
- Northern parcel has high voltage and domestic transmission lines along with an 8-inch gas line running through it
- Consists of two (2) ±640-acre parcels which are within close proximity to each other along Poker Brown Camp Rd/Old Emigrant Road
Pershing County is a county located in U.S. state of Nevada. As of the 2010 census, the population was 6,753. Its county seat is Lovelock. The county was named after army general John J. Pershing (1860–1948). It was formed from Humboldt County in 1919, and the last county to be established in Nevada. The Black Rock Desert, location for the annual Burning Man festival, is partially located in the county.
The county is listed as Nevada Historical Marker 17. The marker is located at the courthouse in Lovelock.
Downloadable Documents
Property Information
- Marketing Flyer Last Updated 28 Jun 4:21 pm PDT
- Offering Memorandum Last Updated 27 Jun 5:33 pm PDT
- Pershing County Area Plan Regulations Last Updated 31 May 11:46 am PDT
- Pershing County Development Regulations Last Updated 31 May 11:46 am PDT
- Pershing County Master Plan Last Updated 31 May 11:46 am PDT
- Pershing County Master Plan Mapping Last Updated 31 May 11:55 am PDT
- Pershing County Master Plan Mapping Part 2 Last Updated 31 May 11:56 am PDT
- PLAT Map Part 1 Last Updated 31 May 11:56 am PDT
- PLAT Map Part 2 Last Updated 31 May 11:57 am PDT
- Property Details - APN: 003-071-34 Last Updated 31 May 11:44 am PDT
- Property Details - APN: 003-431-04 Last Updated 31 May 11:45 am PDT
- Secured Tax Inquiry Details Last Updated 31 May 12:12 pm PDT
- Secured Tax Inquiry Details Part 2 Last Updated 31 May 12:12 pm PDT
Auction Information
- Bid Deposit Form Last Updated 24 Aug 9:21 pm PDT
- Broker/Agent Participation Form Last Updated 31 May 3:42 pm PDT
- Terms & Conditions of Sale (READ BEFORE SUBMITTING BID) Last Updated 17 Jun 5:28 pm PDT
- Terms and Conditions of Sale (READ BEFORE SUBMITTING BID) Last Updated 28 May 4:42 pm PDT
Property Viewing
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Click below to review, execute and electronically submit the Temporary Access Agreement.
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This is an Auction Plus event in which a financing contingency is permitted. On the bid form you will be asked to include financing details.
For further details about Financing, please read the Terms and Conditions of Sale located in the Documents section or contact the FRE.com Support Team.
Broker of Record for this property: LFC Marketing Services, Inc., NV license #NV #B.0076222.CORP
All information contained on this website or otherwise communicated, is from sources deemed reliable, but has not been verified for accuracy or completeness, or suitability for any particular purpose. It is presented "as is," and is not warranted or guaranteed by the Seller or its agents including but not limited to the Listing Broker, LFC Communications, Inc. and LFC Marketing Services, Inc. Buyers shall rely entirely on their own judgment, research and inspection of the Asset, and are encouraged to independently verify information and to consult with appropriate legal, financial and other advisors and real estate specialists.
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5Place Online BidPlace bids on your selected asset prior to the deadline. Specifics vary for each asset.
6Winner is DeclaredBuyer deposits purchase funds, and closing coordinator assists Buyer and Seller with final paperwork.
Your bid is below the minimum bid of US $900,000
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CURRENT HIGH BID: US $0 per share for shares.
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Subtotal: $0.00
Custom Protein Expression
Teams of scientists at Shenandoah have been focused on producing recombinant cytokines, growth factors, and chemokines for over 50 collective years. We apply our extensive knowledge and expertise in order to achieve the greatest results, in the shortest amount of time. Shenandoah is a proven and experienced partner in pharmaceutical outsourcing and contract work for every stage of pre-clinical research.
Shenandoah specializes in producing active, folded proteins PLUS biological activity testing is provided in-house. Our high quality approach utilizes E.coli inclusion body production and purification technologies, while employing a unique protein folding matrix to produce biologically active proteins in high yields and low costs. For custom protein services, our production proficiency and scalable fermentation sizes (5L, 20L, and 80L) allow for project flexibility.
Please email a completed Custom Project Form to email@example.com for project pricing.
Shenandoah's Service Delivers On:
- Fast turn-around times – 4-8 weeks with bacterial systems, including QC testing time
- Easy communication - updates at each step of the process
- Complete project services – cloning through purification and product testing
- Bacterial and mammalian expression systems - E. coli or CHO
- High yield production - from small (mg) to large (grams) quantities
- Bioactivity analysis – cell-based proliferation, inhibition, cytotoxicity, or ELISA
- Protein lyophilization – in a buffer formulation that increases stability for up to 5 - 10 years
- Budget-friendly pricing - pay as you go at each phase of the process
Custom Protein Options Overview
|Simple Expression
|Complex Expression*
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|E.Coli System with Folding
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✓ Simple folding
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✓ 1 mg + purified protein
✓ QC options: Mass spec, SDS gel, endotoxin, ELISA, cell based bioactivity
✓ Complex folding / glycosylation
✓ 90% Purity
✓ 1 mg + purified protein
✓ QC options: Mass spec, SDS gel, endotoxin, ELISA, cell based bioactivity
Price: $
Price: $$
Price: $$$
|*Shenandoah's area of expertise
Learn more about:


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The translation process depends on the length, the number of languages, the format and the intended end use.
Once we have viewed your translation we quickly assess your presentation requirements and deadline viability. A designated project manager then selects the right translator for your project. The project manager will liaise with you whenever necessary from set-up to completion, monitoring quality and deadline adherence. We maintain company-specific glossaries for regular / repeat clients.
The final translation is proofread and quality controlled before being returned to you in the file format of your choice. If required, your translation can be converted into other software applications.


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Happy New Year Gifts 2019: Whenever we discuss gifts everybody has a smile on their face and New Year celebration is a really big day. On this event, youngsters get pleasure from lots as a result of they get a lot of gifts. Gifts are the very particular issues that are which might make us happy inside few seconds these gifts are within the type of others in a type of flowers, utensils, and others. After Christmas youngsters are keen to attend for Happy New Year gifts.
Happy New Year Gifts | Happy New Year Present Ideas 2019
Sometimes, there may be confusion for what to offer as a Happy New Year gift. Usually, individuals give choice to flower bouquet once they do not know about New Year gift. Sometimes individuals simply deal with the looks of the gifts. In this text, we'll share some details about Happy New Year gift concepts that must be given throughout some of these occasions.
1. Stationary Items As New Year Presents
Kids are keen on stationary merchandise i.e. portray field, comedian books, geometry, Crafty, faculty provide objects and others. Not solely youngsters however also youngsters use to learn novels particularly women. Hence novels are the perfect gifts. Education is the primary facet of our life so there are various kinds of gear or stationary supplies that can be utilized as a New Year gift. Hence, stationary objects are probably the greatest issues that may be gifted as Happy New Year 2019 gift.
2. Greeting Cards For Happy New Year 2019
Greeting playing cards could be marked as formal gifts as these are utilized in each occasion and can also be posted when you find yourself far away out of your friends or kinfolk. Now a day these are given together with the bouquet. To gift Happy New Year greeting playing cards is greatest as a result of these are the very reasonably priced selection. One ought to choose the perfect design as there may be quite a lot of greatest design in Happy New Year gift playing cards.
3. Happy New Year Mugs
There are varied issues that may be gifted however mugs are the new funky and stylish gifts these days. You can get quite a lot of mugs relying upon designs. One can get printed mugs on which title, photograph, image and so on. could be printed. This offers an revolutionary in addition to trendy look to your gift. Many People choose Happy New Year gift card as an alternative of a Happy New Year Mug.
4. Chocolates – Happy New Year Gifts
Whenever the phrase Chocolates comes, youngsters simply go mad which is an apparent response. Chocolates are essentially the most favorable gift for youths and also women love it. Everyone has their very own style and it adjustments based on the model. Today, one can get selection in goodies on the premise of packing, style, form and so on. It is essentially the most artistic or revolutionary Happy New Year gift.
5. Cakes and Pastries For Happy New Year 2019
Cakes are the explanation to have fun something and can be utilized as Happy New Year gifts concepts. These are essentially the most memorable and admirable gift for New Year. The cake simply adjustments the ambiance of any perform. These are the perfect Happy New Year gifts concepts. You can also get cake making recipes on online portals.
Images & Pictures of Gift Ideas For New Year 2019
On this coming and the thrilling new year 2019, to make a recent begin, there'll all the time be new resolutions, plans, and bucket-list-boxes to be ticked, however earlier than that to inspire us all of us want some pampering. Yes, and what higher strategy to have fun this coming new year by spreading some joy by gifting your family members and friends. Please use these concepts for the new year gift. Give the perfect gift with the perfect wishes of the new year. Happy New Year 2019!!


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And here we are - a Brand New Year is set before us!
Had to jump in and show you some of the Holiday Cards, designs and images that were used for some families this year. I love putting these together for you guys. Not just for the chance to be creative and help you show off your work, but also, more importantly to get it OFF your to-do list and to create real, hold-in-your-hand, memories for your family, friends & neighbors.
They notice when you go the extra mile to share your family with them.
Use the L/R arrows to click through the gallery.


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Thank you!
This year was our 20th year of Fiesta celebrations at Rose Hill Montessori! It was such a wonderful night of food, performances, face painting and our Raffle fundraiser! Thank you to all that attended, and to the new and alumni families that joined us. We are already excited about the Fiesta celebration next year!


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For this world, which lives only through belief, being forgotten is our ultimate death curse. Had you not come, we would have slowly faded until nothing remained. Do not blame yourself for the machinations of fate.
Goodreads Synopsis: The last thing Saki Yamamoto wants to do for her summer vacation is trade in exciting Tokyo for the antiquated rituals and bad cell reception of her grandmother's village. Preparing for the Obon ceremony is boring. Then the local kids take an interest in Saki and she sees an opportunity for some fun, even if it means disrespecting her family's ancestral shrine on a malicious dare.
But as Saki rings the sacred bell, the darkness shifts. A death curse has been invoked… and Saki has three nights to undo it. With the help of three spirit guides and some unexpected friends, Saki must prove her worth – or say good-bye to the world of the living forever.
Commentary: I received an ebook copy of this book via Netgalley, in exchange for an honest review.
I have to say that The Night Parade has been one the most entertaining books that I have read for this month. I thought it was going to be young adult, but it is middlegrade. I had so much fun reading this book!!
This book reminded me of Spirited Away which is one of my favorite films when I was a young girl. In Spirited Away and in The Night Parade, both protagonists find themselves involved with the spirit world and with a quest to break a curse.
Now going back to the book, I initially did not like Saki. I thought she was rude especially to her loving grandmother. As the book progressed, she grew on me since she started changing. She was a completely different person by the end of the book. I thought that she was courageous and more true to herself. I enjoyed her growth and it made this book far more enjoyable because of that.
Overall, I loved her adventures in the spirit world! She had to endure a lot and I really liked her guides to help her on her journey. I loved the Japanese mythology in this book! One of my favorite characters from the spirit world is The Moonlight Prince, even though he is a minor character. What can I say, I happen to be a sucker for princes.
What I really appreciated about this book is that it teaches us, the readers, that we should appreciate what's in front of us. We should try being more independent, instead of being too dependent on technology. For example, Saki was glued to her phone and hated the countryside. As the story goes on, she appreciates what she has around her. By the end, she fell in love with the countryside. Overall, this is positive book!!
I would love for this book to be adapted into an animated film! I think if they were to adapt this book to a movie, the movie would be better. I really enjoyed reading this enchanting tale! I do recommend this book!!
Final Rating: ⭐⭐⭐⭐


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How to Take Phenylpiracetam Dosages
Phenylpiracetam is a Nootropic derived from Piracetam, although it is fifty to sixty times more potent than its predecessor. This means you need a smaller Phenylpiracetam dosage to get the same great effects. The most beneficial effect relates to the formation and retention of long-term memory, magnified fluid intelligence, and
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The extraordinary Nootropic supplement Phenylpiracetam accelerates cognitive action and motivation, with the addition of energy to its benefits. There is substantial improvement to in the areas of memory, intellectual faculties, focus, alertness, along with linguistic and verbal process functions. Phenylpiracetam benefits physical performance as it relates to increased stress tolerance
Which is a Stronger Nootropic: Phenylpiracetam or Noopept?
Two of the most potent enhancers to cognitive function in the marketplace are Phenylpiracetam vs. Noopept. Users prefer to position these two nootropic drugs in a side-by-side, either-or selection process. Both have the notable status of being more potent than other Racetams, and this appeals to users in search of
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How to Stack Choline with Phenylpiracetam
Want to learn the right way to stack Choline with Phenylpiracetam? The racetam classification of nootropics produces numerous version of cognitive enhancing drugs, that combined together in a stack provide exceptional effects on the intellect. Phenylpiracetam is the most potent racetam of the nootropic class presently obtainable in the marketplace,
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Phenylpiracetam, sometimes known by the brand names Phenotropil or Carphedon, is a highly potent nootropic originally developed in Russia in 1983. It is a stimulating nootropic that can improves physical stamina. For this reason it is popular among fitness enthusiasts and athletes as well as students and those in highly
Carphedon (Phenylpiracetam) Supplement Reviews, Comparisons and Buying Online
Carphedon Phenylpiracetam is a relative newcomer to the world of nootropic racetams and is more potent than some of the others. Phenylpiracetam is essentially Piracetam with a phenyl group added Carphedon earned a great deal of media attention in 2006 during the winter Olympics. A woman was stripped of a
LiftMode Phenylpiracetam Powder and Capsules Review
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Phenylpiracetam ((RS)-2-(2-OXO-4-phenylpyrrolidin-1-y1) acetamide) goes by the names Carphedon or Phenotropil. It was developed in Russia in 1983 for both physical and cognitive enhancement. Phenylpiracetam was created by adding a phenyl group to Piracetam. This modification the molecular structure makes it far more easily absorbed and Phenylpiracetam benefits are about 30-60
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Notoriously Morbid VC Overstock Grab Bags are now available!
These are blind Grab Bags and include a mix of items from Past VC overstock.
All items are full size in these grab bags and include items from past VC's from the last 6 months to a year.
Random mixes include: Eyeshadows, Highlighters, Contours, Blushes, Mystic Mattes, Lip Balms, and Changelings.
Blind Grab Bags mean that this are randomly put together before hand. When ordering multiple bags, we can not guarantee that you will not receive duplicate products. You can not designate what goes in them however you can note in the comments at checkout if you prefer a ONLY vegan bag. Once sold out, there will be no more and can not be replicated.
PLUS you'll receive the current Get With Purchase Shadow!
Additional Details
- VC-OS-Bag
- Grab Bag:
- Vanishing Cabinet


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What have we been eating lately? Lots of soup! Urbndervish was a bit under the weather, so I had to gather some herbs, take out the cauldron, and prepare a pot of healing for him. This soup really helped to relieve his head and nasal congestion. With prayer, a lot of loving care, and some healing foods, Urbndervish is well on the road to recovery. I'm amazed at how quickly he bounced back!
I used to believe the fallacy that vegan soups weren't flavorful (especially after eating a few pots of my own flavorless soup); until I discovered that sautéing onions and garlic with some spices in olive oil can really infuse your soup with a lot of flavor. Because of my Jamaican upbringing, I couldn't resist adding a few "dumplings" to this homemade soup. Dumplings are extremely complicated to make and you may need the supervision of your nearest Jamaican to ensure success!
Ok, so what's in this healing soup, you ask? I'll tell ya! By the way, if you have thyme, add a few sprigs (fresh or dried) it to the soup. I couldn't find any in the market when I made this soup.
5-7 cloves of garlic
1 chopped, small to medium-sized onion
½ c. of chopped parsley
½ c. of chopped celery
2 c. of chopped carrots
1 tsp. ground cumin
1 tsp. ground black pepper
1 tbsp. ground ginger
3-5 small chili peppers
Optional: 1 tbsp. of black seed
1-2 tbsp. extra virgin olive oil
Optional: ½ c. of flour
- Sauté onion, spices, and 3-5 cloves of smashed garlic in olive oil
- Add 4-6 cups of water
- Add parsley, celery, carrots, and whole peppers. Use your discretion with how many peppers you use because some varieties are much spicier than others or tend to burst open in the soup (like Scotch Bonnet peppers!).
- Bring soup to boil
- Making dumplings: Stir in water to the flour until you have a doughy consistency. Each dumpling requires a hearty pinch of dough: roll it between your hands and drop it in the soup. The dumplings are cooked when they rise to the top
- Allow the soup to simmer uncovered for 20 to 40 minutes
- Taste and embellish as you desire. Finely chop the remaining cloves of garlic and add to soup just before serving. Enjoy!


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New French rider Pierre-Charles Boudot made everyone sit up and take notice after winning the opening two races at Sha Tin on horses who were looking for some inspiration.
G-One Union's career has never been that straightforward but Boudot tamed him with a patient ride in the Class Five and then 30 minutes later made a good job of the David Ferraris-trained Ambitious Heart, who had put on one of the most piggish displays of any horse this season at his latest appearance at Happy Valley.
The gelding was uncontrollable and interfered with half of the field with his antics at the Valley, pulling hard and fighting Douglas Whyte in every way he could in a performance which had not been his pattern before, even if he had been known to race a bit keenly.
"He had some bee in his bonnet that night, he spent the whole race with his head in the air. I don't know but it might have been to do with the blinkers," Ferraris said after watching the gelding scrape in on Saturday in a blanket finish.
G-One Union gives @PCBOUDOT his first win at Sha Tin in a 27-1 first race surprise #HKracing pic.twitter.com/Nqg1gjxx5b— HKJC Racing (@HKJC_Racing) January 13, 2018
"Still, it was the owner who wanted to take Douglas off the horse and he wanted the Frenchman on. And he did a good job of settling the horse but the blinkers came off too so that might have been part of it as well."
Ferraris said Ambitious Heart had more wins in his future despite a modest strike rate of two from 19.
Ambitious Heart, a brother to G2 winner Seasons Bloom, takes R2 at Sha Tin to give @PCBOUDOT the first two races on the card #HKRacing pic.twitter.com/q06U8yTOvE— HKJC Racing (@HKJC_Racing) January 13, 2018
"He's a sound horse, a nice horse who we bought at the Magic Millions Ready To Run sale and paid a bit of money for him," he said. "He's a full brother to Seasons Bloom."
Apprentice Dylan Mo Hin-tung was suspended out of the race for careless riding on I'm A Witness, with two days and a HK$10,000 fine his penalty for knocking over Mutual Joy early as he crossed the field to lead. All in all, Mutual Joy had rather a forgettable race as he also bled.


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Within the framework of his visit to Vasylkiv (Kyiv region) located 40th Fighter Aviation Brigade of the Ukrainian Air Force President Victor Yushchenko performed a flight in Sukhoi Su-27 jet fighter. The flight lasted 35 minutes with deputy commander of the Air Force of Ukraine Major-General Vasyl Nikiforov in control of the plane.
Speaking to journalists after the flight President Yushchenko said: "I felt that the plane is extremely controllable; it appeared to me that it was performing all elements very obediently. There was no discomfort".


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Java Colleen's Jitters is an excellent Seattle blog, and we're pleased as punch that she took a "Flight To Mars" to see the UFO cover band on Thursday July 23rd. You know of course that Flight To Mars features our fave guitarist Mike McCready in all his side-project glory. Here is an edited re-post containing highlights of her review of an enjoyable evening at Neumo's. Read the entire write up and see more pretty pictures at her blogpost.
So Thursday night I took another Flight to Mars with Pearl Jam's Mike McCready and friends from Neumos and I had a blast (and survived re-entry, except maybe my hearing)!
What can I say? Buzz Aldrin says we need a flight to Mars!
OK. I know Buzz meant a real flight to Mars. We've already got a couple rovers there. We could do it! We can't book flights there yet, or can we? We'll see later.
First on to the rock show. I made it there before they started letting people in, which turned out to be another hour and a half before the show. Which isn't necessarily a bad thing. I got close to the stage (and was able to regain my close spot throughout the evening.
Mike came out to do an acoustic with Gary Westlake and Rebecca Young first, including Dead Flowers by the Rolling Stones and a song about getting wasted Neil Young's wife will no longer let him do. Gary Westlake was wearing a vintage Flying Burrito Brothers t-shirt at this point. We were to see a lot of Gary that evening, as he's with Kristen Ward's band, who was opening, as well being a charter member of the Flight to Mars.
(After Kristen Ward), it was time for our Flight to Mars! Flight to Mars is a UFO cover band. While Mike is their most famous member, they have a terrific line up. Don't just take my word for it. Here's the Sound Magazine write up before their last Chrohn's and Colitis benefit show:
Haven't heard of Flight to Mars? (Sad for you.) Think of your favorite old cheese-rock band-yes, you have one-then add better musicians (North Twin guitarist Tim DiJulio, bassist Gary Westlake, and drummer Kelly Van Camp) and an almost scarily authentic '80s frontman (Paul Passereli).
Nah, Paul's not really scary. He's really a nice guy. I've almost literally bumped into him at a couple of these shows and he's always a real gentleman.
They started with Lights Out and kept rocking out the house. What kind of evening was it? Well, as Paul pointed out, Mike had his shirt off after the second song (and was up front playing incredible guitar solos to the audience all night).
Mike did a really epic solo during Rock Bottom, That was just the end of the main set, though (at nearly 1 in the morning). Mike came out to ask how many encore songs the audience wanted – 1 or 2? As you can see there were a lot of 3′s!
They tried to get all the guests out on stage for the evening out, and had most of the guys for their first encore song, I'm a Loser. Gary now had his shirt off, too.
Perfect song for these scary times with the economy.
You can come to my place and sleep on the couch
Lots of people do it and we won't leave you out
Hard times out on the Street
Hard times, hard to beat
They even got Kristen and Rebecca out for the finale song. They played some Lynyrd Skynyrd. No, not Free Bird (although someone did call it out). Tuesday's Gone, which really is a great song to get everyone on stage and go out to. Train, roll on. . .It was about 1:10 am when things wrapped up.


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I may have just moved here, but the question is, how well do you know this City? Boston.com just posted a quiz on 101 things every Bostonian should know! I may have only scored a 53% but at least I could answer correctly about the Great Molasses Flood and Pesky's Poll. I should get some street cred for that!
Take the quiz for yourself: http://www.boston.com/lifestyle/specials/101bostonquiz/#/20


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Letters to the Editor
Muehlberg letter: Obama
Radical Islam. There, I said it. And I am respecting the majority of Muslims because I said it. Does anyone on the left or the idiotic Obama think that by being as obtuse as they are, they are actually insulting thinking and good Muslims everywhere? What Obama is doing is actually linking all Muslims to extremism by refusing to call it what it is. I believe American Muslims would actually appreciate it if he created a separation between the majority of Muslims and the radicals. By remaining so out of tune, he is the most prejudicial president I can recall.
As to cop killings, I believe no one has done more harm to create the atmosphere of distrust than Obama himself. I can think of great speeches he could give that would be uplifting to all, and that would challenge black youth to become better citizens. He would rather incite them, than to educate and mentor. He has had seven years to do good, and all of his actions have only done the opposite. I cannot remember a speech or presentation by him that was anything other than an attempt to inflame people of color. Shame on him.
Dean O. Muehlberg, Meridian


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Pets, just like humans have the tendency to stress themselves and behave strangely. But not to worry at all, we at BestVetCare have solution for all the pet problems. Our online store offers you with an excellent quality of products that treats anxiety in pets and helps you deal with behavioral problems in them. The exclusive range of top selling products is available at an economical price range.
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Integration architecture vs security architecture
Feb 8th, 2018 by Jesper Kråkhede
I had a chat with a friend of mine, who is an enterprise architect and a damn good one as well, regarding integration architecture vs security architecture and where the cross section. While his stand point is that integration architecture is imperative to understand how business unites should work together my viewpoint is that from an information perspective, adding a layer of information classification and collusion issues, I need to understand what information the different business units actually use to be able to apply a correct classification on the information. You who have followed me for some time know that my view on classification is that it is only an accelerator on what type of protection you should apply and the type of authentication that should be used.
I had a case a few years back regarding access control and how visitors was to be registered before being allowed into a secure building. It turned out that there was an automated approval flow that moved from classification level 3 to classification level 2 (lower classification) without anyone understanding the consequences. In this specific case this was the enablement of a social engineering and technical attack that in the end enabled me to enter the facility with a full access card as a consultant.


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Credit Card Consolidation Warm Springs OR
Learning in Warm Springs Oregon how to merge credit cards is one of the best things card holders can do. Warm Springs credit card consolidation is perfect for those people in Warm Springs who are looking to better their credit for the future in Warm Springs. There are lots of benefits for card holders in Warm Springs that benefit from credit relief. If you are thinking about credit relief, then there are two things in Warm Springs you must look into before doing this in Warm Springs OR. Use these tips as a guide to debt relief.
There are several great factors to credit card settlement programs. One of the greatest factors in Warm Springs is to have better rates. If a better rate in Warm Springs can be had by you with a local credit settlement service than you currently have in Warm Springs, then there's many reasons to consolidate your credit cards. Merging your online cash advance loans can include up to substantial savings in Warm Springs. Look up all of your interest rates from each quick online cash advance lending and write them on the list in Warm Springs. Then note the new money loan rate you would be given. When the new credit card debt consolidating rate is lower than the average from the old credit settlement rate, monetary sense would be made by then to use a Warm Springs credit card consolidation service. If there are quick money loans that have a lesser rate, then you may not have in Warm Springs to include them in your online cash agreement.
Another reason people in Warm Springs love to consolidate credit cards is to make their lives simple. By paying one debt settlement, they can cut out a lot of anxiety and debts paying time. Your debts should not be consolidated in Warm Springs by you for this reason alone however in Warm Springs Oregon. You don't want to spend more on quick money loans in the long term just to save a little time. Using credit counseling programs also offers those with a credit card debts mess a chance to get out of it. By using debt management services, they could be making lower monthly quick cash advance payments than they would be if they did nothing in Warm Springs. By closing out other cash fast loan accounts, their credit may even be improved in Warm Springs.
When considering credit counseling, you should turn to specialists at sites such as Warm Springs credit card consolidation for an appointment. There are numerous credit card debt relief issuers and banks that wish to help you with your request in Warm Springs. Make sure you do your research in Warm Springs so that when you consolidate debt in Warm Springs, you are certain you are making a decision in Warm Springs that is profitable to you. Ensure there aren't any hidden quick loan charges that various credit card relief plans may have. Doing your research in Warm Springs can save your cash for the future in Warm Springs.


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Husky Energy Inc.'s 155,000-barrel-per-day (bpd) crude oil refinery in Lima, Ohio, will remain shut down for about a week after a Saturday fire caused extensive damage to a unit at the plant, officials said.
There were no injuries in the blast, which observers heard across the city and shattered nearby windows. Husky said all personnel ended up accounted for at the refinery.
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Poor Training for Chem Spill Workers: OSHA
The blast involved the 26,000-barrel-per-day isocracker unit, according to a source familiar with the facility's operations but requested anonymity. At the time of the blast, the unit was restarting after maintenance, a second anonymous source said. There was extensive damage to the unit and the nearby ultraformer, which boosts the octane in gasoline, a third sources said.
An isocracker is a type of hydrocracking unit, which uses hydrogen under high heat and pressure to increase the amount of motor fuels made from crude oil.
"It's going to be a long time for that (isocracker) to ramp up again," said Matt Bridges, a fire department spokesman. While the unit's reactors remained intact, the pumps and compressors were "gone," Bridges said.
The fire, which began about 6 a.m. Saturday was out by Sunday morning.
A source familiar with the plant's operations said they have good stockpiles of diesel and jet. The plant has eight tanks for gasoline, which are about 60 percent full, the person said.
Output halted with the units on "circulation" to keep them warm, according to one source.
Husky spokesman Mel Duvall said on Saturday "it was too early" to assess the impact on production. "We do have substantial product in inventory to continue to supply customers," he said.
A source said the isocracker is in a section of the refinery called the Lima Integration Unit, built around 1970. The section includes the crude unit, hydrocracker, naphtha hydrotreater, and reformer, which is the most modern part of the plant, according to documents filed with the U.S. Securities and Exchange Commission.
The isocracker unit, however, did suffer damage in a 2009 fire.
The refinery gets about 65,000 bpd of crude imported from Canada, a mix of light and medium grades, according to the latest data from the U.S. Energy Information Administration. In addition, it runs domestically produced crude oil.
Husky Energy Inc. said the one-week shutdown is precautionary. It says the refinery will still be able to operate even with the damage to one of its processing units.
Husky is Canada's third largest integrated energy company and controlled by Hong Kong billionaire Li Ka-shing.
Investigators are still looking for the cause of the incident.


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Holophone Helps Yahoo Music Move to Surround
Los Angeles, CA (July 19, 2007) - Yahoo! Music has selected the Holophone H2-PRO Surround Sound Microphone for use on its concert series entitled, Nissan Live Sets on Yahoo! Music. The concerts, performed in front of a live audience, and featuring artists such as Christina Aguilera, Maroon 5, Velvet Revolver and most recently, Kelly Clarkson, required a surround microphone to capture the true feel of the live shows and the caliber of the artists' performance.
The H2-PRO is permanently installed above the middle of the soundstage on the Fox Studio lot where the bi-monthly Live Sets are performed. The H2-PRO is pointed directly stage reference to the middle of the room and is used for audience reaction, which enhances the feel of a live concert for online viewers. In preparation for Yahoo! Music's move to broadband transmission, the concert series is being recorded entirely in 7.1 surround sound.
"Recording the concert series in HD, we wanted to ensure that our audio quality lived up to the experience," states Ian Dittbrenner, director of studio and content operations for Yahoo! "The H2-PRO creates a pristine 7.1 base for each production. Every person who has mixed with the H2-PRO has made comments like 'What is this microphone? Wow, it's amazing!' I used to have different mics set up all over the stage for additional capture and audience reaction, but I recently stopped doing it because the H2-PRO captures all I need and doing anything else was a waste of time."


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For the Christian, the concept of breaking bread is deeply rooted in biblical symbolism. From the manna in the wilderness, to the Last Supper, to the banquet feast in glory, "breaking bread" holds great significance.
In my previous post "Family and the Odyssey", I commented on the decline of the "family dinner" in Western culture. When I ask my students how often they eat together as a family, I am surprised by the small number of students who have family dinners at all. Does it really matter? The answer is yes. Unfortunately, our forefathers have failed in passing along the reasons for many fundamental aspects of human culture. Our forefathers took it for granted that people would always value "breaking bread" together. Fifty years ago, the dinner table was the hub of the family home. Unfortunately, soccer games, overtime at the office and instant meals have contributed to the devalued role of dinner.
At my school, which has a long history rooted in the traditions of English independent schools, we have a common lunch period. All students and faculty "break bread" together. The students are divided into Tutorial groups (10-12 students) and they sit together with their teacher. We stand, waiting for the Head table to say grace and then we eat the food in "family-style" serving bowls. Food is "passed" between students; emptied bowls are refilled for the next student. I have heard faculty complain about eating with the students. At times, I complain myself. After teaching my students all morning, it can be overwhelming sitting with them at lunch as well. However, I am reminded of the significance of breaking bread together as a school.
Most schools are cafeteria style or buffet style. If you have ever been to a buffet, then you know how anti-social it is. Everyone is getting up and down walking to the buffet, vying for the last egg roll or chicken strip. You eat what you want, when you want and how much you want. There is no need to be civil other than waiting for your turn at the trough. The meal becomes an individual's pursuit of personal satisfaction. At my school, we have a strong sense of community and I think this is partly a result of the fact we eat a common meal together.
Eating reminds us of our connection to other humans in our community. We have this in common with each other---we need to eat. Eating food together is also a reminder of our civilization: there are manners and signs of respect that are reinforced on a daily basis. Things like passing the plate to someone. Saying "please" and "thank-you". Eating in moderation to save food for the next person. Refilling an empty serving bowl.
Humans are forgetful and as a result of the Fall, sinful and selfish. Eating together is a daily reminder of our pre-Fall existence. Harmony, civility and camaraderie define shared meals. These values are reinforced when we "break bread" together, as a school and as a family.


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With an intent to bolster the cybersecurity ecosystem in the country, Microsoft India and Data Security Council of India (DSCI) have launched a new programme called CyberShikshaa.
With an intent to bolster the cybersecurity ecosystem in the country, Microsoft India and Data Security Council of India (DSCI) have launched a new programme called CyberShikshaa. The three-year programme will create a robust pool of skilled women professionals in the country. The initiative, which is supported by the ministry of information technology's Information Security Education & Awareness (ISEA) programme, looks at offering women skills in cyber security that will help them not just upgrade their skills, but also make them stay safe online.
CyberShikshaa looks at recognising the growing potential of cybersecurity as a sunrise segment and the need for a large base of diverse industry-ready talent. The programme was launched in the national capital this week. As part of CyberShikshaa, 1,000 women from under-served communities will be trained across the country and offered employment opportunities. The programme is open to women science graduates between the ages of 20 and 27 years, and the first phase of the programme has been rolled out in Noida, Patna, Hyderabad and Mohali.
The initiative has been conceptualised to spread awareness about cybercrime and building capacity for safety measures. It is not just an awareness programme on the importance of cybersecurity, but will also train participants on the best practices to ensure cyber safety and how to work with cybersecurity health tool kits to manage and mitigate cyber threats. The CyberShikshaa curriculum will be an interactive module with a combination of theory, case studies and practical hands-on projects managed by a group of training partners led by the Centre for Development of Advanced Computing (C-DAC). The programme will cover multiple locations, from Andhra Pradesh, Bihar, Delhi-NCR, Gujarat, Karnataka and Maharashtra to Madhya Pradesh, Meghalaya, Rajasthan and Telangana.
On the launch of the programme, Prakash Sawhney, secretary, ministry of electronics and IT, said, "Bridging the skill gap in the niche domain of cybersecurity is a national imperative. There has been an increased participation from industry, government and academia to develop cybersecurity skills required for India. This programme embarked upon by the DSCI and Microsoft is aligned with the ministry's ISEA programme and will not only provide impetus to bridging the skill gap, but will also help draw more women into the cybersecurity domain."
According to a 2013 report by research firm Frost and Sullivan, women make up 11% of the global cybersecurity workforce. Though, over the years, there has been a substantial rise in the number of women in the cybersecurity field, yet the number still remains abysmal. So Microsoft is specifically looking at encouraging more female workforce into this field. Anant Maheshwari, president of Microsoft India, stresses on the need for an enhanced cybersecurity infrastructure and advanced security solutions for digital India. "India is fast emerging as a prime destination for offshore cybersecurity R&D and security operations centres. This will lead to the next wave of jobs—one we must be ready for with a skilled workforce," he says, while emphasising on how CyberShikshaa will empower women technologists through growth-driven livelihood.
According to NASSCOM, the strength of the female workforce in the IT-ITeS industry currently stands at 34%. This new programme will develop a comprehensive ecosystem and evangelise women to harness the opportunities of cybersecurity as a career. In addition to establishing a strong training network with competent trainers and infrastructure, it will work to facilitate partnerships amongst government, industry and academia.
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text: mrsquiggle 106 Posted March 23, 2008 The porsche has the engine in the rear better squat more traction and very fat tyres Not much in it but the engine in the mid - rear of the car makes for a better 60' Was just reading the specs. Porsche claims to have a quicker car than the 350z. But in theory the 350z should be quicker. Porsche Caymen S Manual Max. Power (DIN) 217 kW (295 hp) Max. torque 340 Nm 340 Nm Acceleration from 0 - 100 km/h 5.4 s Permissible gross weight 1,630 kg Compared to a 2006 Nissan 350z Power 221kW @ 6400rpm Torque 353Nm @ 4800rpm Kerb Weight 1490kg So the 350z has more power, more torque and less weight. But the porsche is quicker somehow. The time for the Z 0-100 from what I remember is 5.9s The 2007 350z Specs are; Max power (kW @ rpm) 230@6800 Max torque (Nm @ rpm) 358@4800 Tare weight (kg) 1480 0-100 5.5 Share this post Link to post Share on other sites


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Semper Fi Fund
2013 ING New York City Marathon
"Serving Those Who Preserve Our Freedom."
Welcome to the Semper Fi FundTeam campaign page for the 2013 ING New York City Marathon! Our goal is to raise over $12,000 in support and awareness for our injured and ill service members!
The Semper Fi Fund is a nonprofit set up to provide immediate financial support for injured members of U.S. Armed Forces and their families. We direct urgently needed resources to Marines and Sailors, as well as members of the Army, Air Force or Coast Guard who serve in support of Marine forces.
The basic ideal that drives our efforts is simple: as much as these American heroes have sacrificed, they deserve the best care and support available in their hour of need. Injuries are often severe, and the road to recovery or rehabilitation can be long and costly.
Thank you for supporting the Injured Marine Semper Fi Fund and for joining in "Serving Those Who Preserve Our Freedom!"


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Do you come to our gathered worship service expecting God to speak to you through his Word? We encourage you to prayerfully read through the passage that will be preached prior to the service to help you prepare.
Christ Descended into Hell: No Hope without It
Of the twelve affirmations that constitute the Apostles' Creed -- perhaps the most regularly recited statement of basic Christian doctrine in the western Church of the last 1500 years -- none has caused greater uncertainty and debate over the centuries than that declaring that Jesus Christ "descended into hell."
It was early in my junior year at Virginia Tech—and I felt like everywhere I turned, God was following me around…
Do not underestimate how important it is to always be throwing Gospel seed wherever you go. Whether we are on a beach, in a Waffle House, flying a plane, driving drunk people home, or doing normal life; remember that God is working to call His people to Himself—and He is using you to do it.
My wife regularly reminds me that "every brief encounter is from the Lord." It may be a full Gospel conversation on a short-term mission trip or it may be simply asking a cashier how you can pray for them. God uses all sorts of "brief encounters" to awaken Gospel interest in the hearts of His elect.
The question is, are you actively seeking ways to help others hear the good news of the sinner-seeking Savior?
The Title of "Brother" Means Something
I grew up in the church and I've always heard the title "brother" as a prefix to almost every man in the church. As I became a teenager, I remember thinking that the prefix was merely an old fashioned way of addressing one another in the church. . . I came to understand that the title was not merely an antiquated word thrown around in the community of the local church. (The article addresses the title "brother", but applies equally to "sister".)


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Industrial Design./Cobra Lamp
The Cobra Lamp is inspired by Naja Naja, cobra snake.
The shape is similar to the reptile with the widest part on the top. It allows to have a bigger light surface. One of the most interesting aspect of the lamp is that it's very thin. It is permitted using OLED technology. OLEDs are made from organic materials that emit light when electricity is applied. Because OLEDs do not require a backlight and filters (unlike LCD displays), they are more efficient, simpler to make, and much thinner.
The light is very thin, almost two millimeters. It depends on the material it is made of but using a plastic material, like PETC, it would not be more than three millimeters. It is designed to be easy to produce. It is formed, in a single piece, on a female mold under vacuum. It permits to reduce costs and building time.
It is an interesting piece to have in the office. When the light is off it is a modern design piece, a sort of sculpture.


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Bali Huts
Benefits of Balinese alang-alang thatch?
Balinese Alang Alang Thatch is made from and is the most natural type of roof covering. Balinese Alang Alang Thatch is a natural insulator thats is completely waterproof, environmentally friendly and it will also add huge landscaping aspects to your outdoor space.
Are your bali thatch huts and african thatch huts waterproof?
Yes, Deck and Erect's Bali and African Thatch Huts are completely waterproof.
Do your bali huts come with nets?
Yes, all Deck and Erect Bali Thatch Huts come with with a net fixed over the thatch to prevent movement during high wind periods. Please note that many DIY Bali Hut Kits do not offer this.


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The Busted Papers – St. Paul's House Escape Game
Thank you for trying-out this game here escape players, now have fun! The Busted Papers – St. Paul's House Escape is the eleventh point and click item retrieval escape game developed by the Enagames Studios. Enjoy another retrieval sequel here everyone. This game is a continuation of the previous one as its sequel, and from the first game as a starting-point of the series.
Tom finds himself in a new location once again, these are all up to that 10th century bible he had been looking for. Right-now, he is outside of the house of another former caretaker of that bible. That someone here once lived in the Eastern Orthodox church which is where the bible was allegedly first kept. That person could be a priest and he might know where the bible is now!
Okay escape players, Tom will most definitely keep on going in-order to find that really old bible. But Tom still needs your help now, are you ready to tackle another retrieval adventure here? If so, then have loads of fun with the challenge and enjoy the escape thrill it has to offer. Good luck and be ready for this now, or you won't get as much information like last-time.
Walkthrough for The Busted Papers – St. Paul's House Escape
Are you currently having-trouble with the game here? You can always watch the video below, see more hidden clues which you might have missed along the way!


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It's a fact: food just tastes better when it's hot off the grill—as long as you don't burn it to a crisp, that is. Plus, grilling is a quick way to get a delicious meal on the table, giving you more time to enjoy the beautiful summer weather with your family and friends.
Improving your grilling technique is easier than you think. Just like everything else, practice makes perfect. The more you grill, the more you master the art. But there are a few grilling tips and tricks of the trade. Learn how to grill like a pro and impress your guests with your grilling prowess at your next picnic with these simple gas and charcoal grill-master tips.
Gas or Charcoal?
Both charcoal and gas are great options, but here's the big difference: Gas grills light instantly and offer steady, adjustable heat. On the other hand, while charcoal grills burn hotter than gas grills, they require more lead time while the coals heat up. For a quick meal, gas is best. But if you have the time, charcoal grills lend that true smoky "grilled" flavor to your food.
Best Meats to BBQ
If you're a newbie to grilling, don't be afraid to branch out from the typical hot dogs and brats. There are so many delicious meats to barbecue on the grill: chicken, steak, pork, kielbasa, burgers (beef, lamb, turkey, black bean)—and let's not forget meat and veggie skewers!
My family's go-to grilling meat is chicken, and these maple-glazed chicken skewers served with a side of sweet jalapeno salsa and baked beans makes a real crowd-pleasing meal. We like to cook a little extra for leftovers for dinners and lunches for the rest of the week.
Grillin' Time
Things that cook quickly, like veggies and steak, are best grilled over high heat. This is where you'll see those nice charred grill marks. But chicken and thicker cuts of meat—like in this recipe for spicy grilled pork chops or this one for Mango Chipotle Chicken—are best grilled over medium heat with the cover down, creating a closed environment that traps the heat and evenly cooks the meat.
Most newer gas grills make grilling super easy, because they come equipped with an internal thermometer. But for charcoal or older gas grills, you may need to play a little trial and error. If you hold your hand over the grill for a second to feel the heat, you'll get a good sense of how hot it is.
Once you master the grill, you might just find yourself preparing most of your meals in the great outdoors. And with so many savory meats and juicy summer veggies to try, you'll be grilling like a pro by summer's end.


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Franklin County SO Norma Jean Clark, accused of murdering her husband in 1987
She fled to a neighbor's, she told investigators, and apparently wasn't much help in offering clues to suspects.
She eventually moved to Tennessee, where she was arrested this week for murdering her husband 23 years ago.
The cold case squad of the Harris County Sheriff's Office took on the unsolved case last year, and uncovered "evidence that led to the charge of murder being filed on Mrs. Clark," HCSO says.
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HCSO spokesperson Christina Garza tells Hair Balls no more details -- such as what type of evidence was found, or anything on Clark's life in Tennessee -- were not available and wouldn't be until the two investigators who helped arrest her returned to Houston.
Clark is now 62 and was arrested in Winchester, Tennessee.
The murder took place in the family home in the 22900 block of Laurelwood Lane in north Harris County, at about five in the morning.
"Two tremendous public servants, Sgt. Eric Clegg and Sgt. Dean Holtke, are bringing much needed closure to the surviving families of the victims of these horrible crimes," said Sheriff Adrian Garcia. "It is these survivors, and the memory of their loved ones, that motivate our cold case investigators, and me, to continuously find ways to bring justice and closure to their cases, regardless of how much time has gone by and regardless of the budget constraints and geographic boundaries."


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HIGH TATRAS, Slovakia – The European Union is looking at the newly discovered reserves in the East Mediterranean as a way to boost energy security, sees a role for Ukraine as a transit country for Russian gas to Europe provided that Kiev implements the necessary reforms, wants to discuss issues concerning the Nord Stream-2 pipeline and lead the re-energized efforts to battle climate despite the decision of the US Administration to pull out of the Paris accord, European Commission Vice President for Energy Union Maroš Šefčovič told New Europe in an exclusive interview.
At the snow-covered High Tatra Mountains in Slovakia near Štrbské pleso with breathtaking views of the mountain range and lake, Šefčovič sat down with our newspaper on October 28 on the sidelines of the TATRA summit to discuss ways of increasing Europe's energy security.
"The first thing to say is I think we really have to appreciate the huge potential of this East Med new gas field because what I hear from the region is that it could be a new Norway which could bring enormous benefits to the region, to the countries who actually live in a very difficult neighbourhood and could use the potential of this natural wealth for the stabilising of the situation of the coastal countries, of that region and find new ways how to use cooperation in the region which was so much marked by the tragedies of war. That would be excellent," Šefčovič said.
"Second, I think very important to mention is we see that the gas explorations in the East Med region are developing and I think this first phase would be very important for how the scale of the project would be in the end development. Because at this stage I understand that still not all fields are properly prospected so it moves from one field to another around Cyprus they are prospecting one field one by one," he added.
Šefčovič noted that the first stage of exporting gas from the East Mediterranean fields would probably be transported to the liquefied natural gas (LNG) terminals on the Egyptian coast and would be used in Egypt or it would be shipped as LNG to Europe.
"And then the next phase which is now very much studied based on the results of the feasibility study which was done which show that technically the EastMed pipeline between Cyprus and Crete is possible. Nevertheless, it would technically quite a challenge because you have very rough seabed and the depth is quite significant, Šefčovič said. "Then, of course, very much would depend on when and how readily available the gas from these new gas fields would be and where it would be more needed. Would it be in the region or would it be in Europe," he said, adding that all this is being accessed and the EU has identified the connection between Cyprus and Greece as a Project of Common Interest (PCI).
"From this point of view, we see it as a very important diversification project that we will have, if I can say, a European-owed source in the East Med which would help us diversify the sources and a new route. At the same time, this project would be representing quite a big cost so we would need to look for strong interest and strong support from the business community because I don't think it would be possible to finance it only from the Connecting Europe Facility or from the European Budget because the cost assessment was between 5 and 7 billion euro and it's more or less the whole Connecting Europe Facility whole budget," he said, smiling. "I mean, there would need to be very strong business case, different sources of financing and also a strong involvement of the business community so that would be see such an incremental gradual development."
Asked what percentage of the total cost the Commission is prepared to grant to the EastMed gas pipeline project to make it commercially viable, Šefčovič said, "We're not ready to tell the percentages at this stage. Because – that's my personal observation – if I look at the process for Baltic Connector between Estonia and Finland that was a project that was much simpler, much smaller and also they had to really improve the submission a lot and show how much they were ready to participate and what would be the business part. So to say at this stage that we would go for this or that percentage would be too premature," the European Commission Vice President said.
Ukraine gas transit
Turning to the gas conflict between Ukraine and Russia that has Russian gas supplies in the past, Šefčovič told New Europe that he does not expect another gas crisis.
"I'm much more at ease this year than last year because we've been really in a close touch with our Ukrainian partners on the gas storage filling so I think it was probably a month ago that I checked the latest figures of the latest gas storage level at 15 bcm, which is very good start of the season which is very good because they are more energy efficient, they consume less gas. Last year they managed even with a lower volume so if this would be the storage level with all that the reverse capabilities of three interconnectors Slovakia and Poland and Hungary, I think they should manage quite well," Šefčovič said.
He said the European Commission expects Ukraine to complete several "crucial" steps domestically, especially the completion of the reforms in Ukraine and nomination and start of an independent regulator.
Šefčovič said another very important thing is to complete the unbundling process of National Joint Stock Company Naftogaz of Ukraine. "I had several discussions also with the prime minister (of Ukraine Volodymyr Groisman) and we agreed we need to have very clear roadmap how this could be done. I think the process is already overdue and the better, the more transparent way the unbundling would be done, the easier it would be to attract highly reputable companies into the consortium who would be ready to help with the management, which would be ready to guarantee the necessary investment for the renovation of the gas pipeline," Šefčovič said.
"I spoke yesterday (October 27) with the representatives of the EIB (European Investment Bank), EBRD (European Bank for Reconstruction and Development). They are ready to step in once they would see there is a good law, there is proper unbundling done, you have reputable European companies. In that case they would have no problem to provide the financing for the necessary renovation," the European Commission Vice President said.
Šefčovič also added that "a very important element there would be the Stockholm Arbitrage ruling should be done probably sometime between November and December, which I hope will bring the final clarification to this dispute which is already on the table for many, many years. I hope also that this would pave the way then for the restart of talks between Ukraine and Russia, between Ukraine and Russia and us on how to secure the gas transit in these conditions in the post 2019 period".
Nord Stream-2
Asked about the Commission's involvement in plans to construct the Nord Stream-2 gas pipeline from Russia to Germany, Šefčovič said, "Of course, we are involved because, as you know, we presented that request to the Council to get this mandate for the negotiations and we did it, I would say, at expressly stated preference of many of the Member States. What would be the best way how to resolve this issue because we had many outstanding, conflicting situations, if it comes to the legal framework, if it comes to the compatibility of this project with the Energy Union goals and also in the area what we can do together for the aim, which was unanimously supported by the EU Member States, that is the continuation of the Ukrainian gas transit," he said.
"Unfortunately it's still in the Council. I know that the Estonian Presidency is doing its outmost. We have different positions of the legal services on especially the direct applicability of the Third Energy Package for the offshore pipeline and that is one of the reasons why we want to present this amendment to the gas directive and to make clear there should be no, I would say, ambiguity or questions marks over the application of the Energy Union, of energy law on the offshore pipelines. We hope that it would help the Council to accelerate the work on the mandate so we can really proceed with the negotiations," Šefčovič said.
Asked whether the EU Third Energy Package applies or not, the Commission Vice President said, "The legal services they have their reserves on this. At the same, as you know, legal services issue advisory opinion and I know there is at least almost half of the Member States who is ready to issue the mandate to us. And I really believe that if you have the issue like in this case that you have two colliding legal regimes that you have the risk of the legal work that we're talking about such a strategic project like the pipeline which became politically extremely controversial the best thing we can do is to discuss among us Europeans our priorities and then to negotiate it with the third party, in this case in Russia with very clear priority in mind that is, of course, the EU law and the Ukraine and the energy security which we should keep all in mind".
Asked if the European Commission would push Russia to keep Ukraine as transit country for gas supplies to Europe, Šefčovič said, "I think that we need to negotiate that. First, I'm absolutely sure that if Naftogaz is properly unbundled, if it is managed with a reputable European consortium, if the investment from the international financial institutions is made to renovate this pipeline, I think there is not only political but very strong commercial case to use the system which is in place and which was working for decades and was working very well. So we want to make it, of course, commercially very, very interesting but also we're stating this as a political priority that for us to have three transit routes to Europe is much better than to have just one, and especially if it's done in a way that puts the Ukraine and Central Europe in a very difficult situation".
Turkish Stream
Regarding the second branch of the Turkish Stream gas pipeline that Russian gas monopoly Gazprom wants to expand to Europe through Greece and Italy, Šefčovič said that during his presentation to the Southern European ministers "I told them than in 2030 we would need more or less the same volume of gas as we do today – maybe a little bit more, maybe a little bit less. It would be around 400 million cubic metres and, at the same time, I teased them a little bit because I put on one page all the projects which are being considered, all different pipelines, all different LNG terminals, all different projects, and in the end it resulted in the capacity of 900 bcm so more that double of what we would need in 2030".
Šefčovič urged the ministers "to be a little more strategic, what we need to support, what we don't need to support, where to invest the money because from this it's clear that at least half of the assets that are being proposed right now could end up being stranded and the investment in these assets would not bring back the revenue or simply would be lost".
The European Commission Vice President called for "a very strategic and rational approach", focusing on the projects that help Europe to diversify its energy sources, guarantee energy security and which are "good, safe investment from the prospective 30-40 years down the road".
Trump & EU climate goals
Finally asked about the fight against climate change and the decision of US President Donald Trump to withdraw from the Paris Climate Agreement, Šefčovič said, "I think actually that the decision of President Trump had, I would say, very mobilising effect on climate community all over the world and I would say especially in the United States. I could tell you that I was approached by many cities, many mayors with whom we are working under this Global Covenant of Mayors from the United States. I had several meetings with (California Governor) Jerry Brown, (former New York Mayor) Michael Bloomberg. I had several meetings with I would say the international-known American companies and all of them wanted to make sure that despite the decision of the federal government they want to do more and to show that Americans care about climate change, if not on the level of Federal government, on the level of many states, most of the cities and many businesses".
Šefčovič said Trump's decision "also had an energising effect on Europe because the world in this respect very clearly came to us and clearly told us how they expect the European leadership in this respect to be demonstrated not only by our deeds that it would be the first major economy which would transform all these commitments into the legal, binding legislation and I'm sure all of it would be approved next year and, at the same time, we took over such important frameworks of cooperation like Mission Innovation, like Clean Energy Ministerial where we took over the Steering Committee and after the Chinese presidency now the next year will be European Presidency to organise summit in Øresund, Denmark and Finland will do and after that Canada is good to go. So now we work in this trio in very strong manner and I think that paradoxically it had a very energising effect on this climate community".
The European Commission, Denmark, Finland, Norway, and Sweden will jointly host the ninth Clean Energy Ministerial (CEM9) in 2018. Canada will host the tenth Clean Energy Ministerial (CEM10) in 2019.


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Last year, around this time - I was so proud of myself. I was working out 3 - 4 times a week, I was drinking my meal shakes and forgoing my coffee and pastry stop, my clothes fit - even if I wasn't sure they would. I wasn't in the most perfect shape, but I felt great. Then something happened.
I started canceling my evening classes because I had to work later. I was traveling a lot more, so I suspended my class membership at my favorite barre class. On the road, morning stops at Starbucks and dinners out after long production days sounded way more appealing than my shakes. I started to feel it within a month of getting away from my routine. And I thought: it's OK. I'll get back to it next month. Or I'll get back to it after this or project is over. Or. Or. Or.
Welp -now it's January, in a new year. And I have yet to find my rhythm. Boy am I feeling it. Sluggish, neck/back/shoulder pains. My skin looks dull - thank goodness for CoverFX palettes, primers and life-giving blush! I can't stand in my stiletto heels as long as I used to. And my clothes - let's just say I feel like I'm in sausage casing - all the time.
This weekend, we're moving to another temporary place before our final move (seriously, this has been the longest escrow process ever). And although it will be a little farther from work, I'm excited about a backyard (here's where I envision my super efficient 28 minute workouts taking place) and we'll be in a neighborhood suited for late night walks/bike rides. And I can finally cook at home - something I haven't been able to do since October (not counting my Christmas extravaganza).
Anyway, check out my small arsenal of motivation above. Here's to forward motion! XO


text: This book contains powerful Scriptures from the Bible. The pattern and format that I wrote allows you to quickly and easily begin confession the Word of God out loud when you pray regarding your specific situations and needs. This principle has been life-changing for me. There were times when I slip … [Read more...]