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One of the strong points is that it does a good job of grounding you in the culture of your chosen faction. On the Exile ship, everything is broken down and falling apart. She really is on her last legs. On the Dominion ship, everything is pristine and well oiled.
The Exile quest line has you doing a rescue mission, while the Dominion quest line has you first torturing suspected Exile sympathizers and then basically declaring that the Dominion Emperor is a god. The Exiles have you fight off a Dominion attack, while the Dominion has you kill simulated Exiles.
Both experiences do a good job introducing the lore of the various races, but by this point you've already chosen a race. I guess since you are less than an hour in, rerolling isn't a huge deal if you decide you like one of the other races better.
Both sides also have you gather a bit of lore and teach you how to use the datacrons and lore comics. Datacrons are short voice over reveals while the lore comics have to found piecemeal and then put together. Once you unlock them all, you get a long block of text full of lore goodies.
It demonstrates a defining feature of Wildstar which I'm calling 'play the way you want.' If you aren't into lore, and get bored reading pages of text, you can go after just the main pieces of lore with the voice over datacrons and the short quest text. If you are a lore junky, then you can dig deeper, search out the comics and get even more lore.
Jump and Duck, I mean Aim and Dodge
If you are familiar with MMOs, much of the tutorial will seem trivial to you, however; the big takeaway from those first few levels is learning about Wildstar's telegraph based combat. I call it Aim and Dodge. This isn't tab targeting, although you can use tab to select and enemy. But you don't have to have an enemy selected to damage them.
Nearly every ability in Wildstar paints a telegraph on the ground. Blue telegraphs are yours. You have to move your telegraph so it overlays an enemy for the ability to hit. If your telegraph isn't over an enemy, you cast your spell, put it on cooldown, but you won't do any damage. It's a little bit like some spells in other games where you get a graphic to put on the ground (Glyphed Concencrate or Orbital Strike).
Red telegraphs are the enemies. You don't want to stand in them. It hurts.
Green telegraphs are heals. You have to try to target your friends to get them healed.
Let me show you:
When I first heard about aiming and dodging, I was a little nervous about it. I didn't think I would like it. I've got years of good ole MMO tab targeting experience.
Then I played it.
It was the most fun I've had with MMO combat. I felt more connected to the my character and the game world than I ever had. Maybe after a hundred hours it will get blasé, but for the first twenty levels or so, it never did.
Aim and Dodge is what sets Wildstar apart for me. It's the one feature that I missed the most when Beta ended and I had to go back to SWTOR. Regular MMO combat felt slow and frustrating after playing Wildstar.
After the opening levels, you take a shuttle down to the planet and begin your adventures in earnest.


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Hesston High School has not had a shortage of things to celebrate within its halls in recent years, from accomplishments on the field, in the classroom and seemingly everywhere in between. However, one teacher saw at least one area that was lacking and decided to do something about it.
"I've just seen that we haven't done much with our arts," said Hesston High School art teacher Shelly Hageman. "We're really strong in sports, music, robotics and lots of things, but we haven't really tapped into the interests of the kids as far as the visual arts."
New to the building last year (though not the community, with three of her children having attended Hesston schools), Hageman approached high school principal Ty Rhodes with the idea to start an art club. Rhodes officially brought that proposal before the school board this year, with the group officially approving the formation of the club — starting in the 2018-2019 school year — in April.
Potential members met this week to discuss the structure of the art club and elect officers, with Hageman noting a turnout of nearly 30 kids who will meet at least once a month to work on club projects next school year. Hageman will open her room up to students after school — and later, for those participating in sports — for an hour and half to facilitate the meeting and work of the art club.
As club sponsor, Hageman noted she has several ideas for projects the students could choose to take on — from building bird houses to decorating Christmas ornaments to painting pumpkins — but she said the final authority will rest with the club members in the creative outlets they choose to pursue each month.
Membership will be open to any Hesston High School student and Hageman sees it being a draw for students who may not be able to enroll in art classes, as well as those who may want fewer boundaries than those they have to conform to in a standard class.
"The kids have more freedom and it's more of a group sort of thing rather than an individual sort of thing. It's more about relationships and fun," Hageman said of the club.
Building relationships is one of the main goals of the art club, according to Hageman, with that focus on the group over individuals. On top of that, the art club will be coming together to do some community service enhancements (i.e. painting murals) as well — requests that Hageman noted there are plenty of currently.
While there will be no cost to join the club, a number of fundraisers are being planned (i.e. selling bird houses, decorating bowls for a chili feed, etc.) to help provide supplies, though Hageman said there is good community support for the arts as well.
Seeing the focus on art in other area schools, Hageman saw no reason why Hesston couldn't become one of those schools and in starting the art club she hopes that attitude will rub off, as well as just being a way to keep students engaged.
"I think the more kids are involved in school in extracurricular activities, the better they do," Hageman said. "I think it's the relationships that they make that keep 'em interested in school because there's a lot of hard stuff in school, so I think it's OK to have some fun stuff."
Having such an opportunity has clearly piqued the students' interest as well.
Junior Mikayla Valdez noted she has seen Hageman's passion for teaching art and is glad to know there will be an additional outlet for students to pursue that same passion next year.
"I heard a lot of excitement, especially from the kids who don't play sports. This is really a time to shine for the other talents that aren't always seen as much in the school. For sure, everyone's so excited about it and something new to try," Valdez said. "I know it's gonna be a good year and we're really hoping to do cool things."
"We're just trying to add more art in our community," Hageman said, "and I just think it'll make our community better."

subset: commoncrawl


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Getting a Toddler to Eat, Part 4: Smoothies
Aug 22nd, 2011 by summer
Yes, this is my fourth post about getting 2 year old Audrey to (insert expletive here) eat. But happily, this is the most success I've had and a major source of calories.
And yes, I have asked myself how Audrey would have gotten along in the caveperson days before blenders were around. I have no answer for that. I only have this recipe for modern parents who want to stop pulling their hair out.
Audrey's Phat Smoothie
- 1 Avocado
- 1 Banana
- 1.5 containers of honey flavored whole fat greek yogurt
- 3-4 Tablespoons of whole wheat baby cereal, I use Happy Bellies DHA + Probiotic immunity support
- Handful of spinach leaves
- Optional: any strawberries or blueberries in the fridge
- Enough organic milk so that it blends up well and can be easily sipped through a straw.
Directions: Blend, blend, blend
I pour this into 3 cups and put them in the fridge. On a good day she'll drink two of these, and then I have one ready for the next day.
Other reads:
Getting a Toddler to Eat: Make Cookies
Getting a Toddler to Eat, Part 2: The Snack Tray


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On late Thursday night as revellers were watching Bastille Day fireworks display, a truck ploughed into a crowd in the French resort of Nice, killing at least 84 people and injuring 18. France President Francois Hollande touted the attack as an act of terrorism.
The driver was shot dead after barrelling the truck two kilometres through the festive crowd on the palm-lined Promenade des Anglais, sending hundreds fleeing in terror and leaving the area strewn with bodies.
The following video (contains graphic content) acquired from the Instagram account of Muxsin A. Ibrahim, shows the bodies of victims strewn on the streets. The video was taken immediately after the attack before the ambulances reached the spot to take the victims to the hospital.
The victims includes young and old people, many among them were children.
Bloodied bodies of the victims lay on the road and many were seen recuperating on the side walk. Many onlookers were seen trying to ascertain the extent of injuries in the victims.
According to eyewitnesses who were at the Bastille Day celebrations in Nice, "before the truck ploughed through the crowd, the place was packed with families and young children."
According to them, the place was utter chaos after the attack and screams of the families of the victims were heard.
Authorities said they found identity papers belonging to a 31-year-old French-Tunisian citizen in the truck, as well as "guns" and "larger weapons".
The attack was of an "undeniable terrorist nature," a sombre Hollande said in a televised national address,
confirming that "several children" were among the dead as families came together to celebrate France's national day.
The bloodshed came on Bastille Day, a celebration of everything France holds dear, its secular republic and the
values of "Liberte, Egalite, Fraternite" (Freedom, Equality, Fraternity).
The attacker struck after a day of military pomp and ceremony in Paris — where armed forces, tanks and fighter jets swooped down the Champs Elysees avenue — and spectacular firework displays.
A photograph showed the front of the truck riddled with bullet holes and badly damaged, with burst tyres. A lone doll lay abandoned on the promenade where families celebrated the holiday just hours earlier.
Hollande announced he would extend France's state of emergency for three months in the wake of this latest attack and "step up" the government's action against jihadists in Syria and Iraq.
He also called up army reservists to bolster the country's security services that are stretched to the limit.
With inputs from AFP
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Updated Date: Jul 15, 2016 13:11:31 IST


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Liquid Force Minx's, 2004, Size Mediums.

BRAND NEW! Still in plastic!

Will take the best offer...If there are alot of offers I will put them on ebay.

J*
What are you looking to get out of them?

B
$240 shipped...?

(Message edited by jennifer on November 07, 2004)
Not trying to steal the thread, Brandy you are still around
yes I am here!
I will go try some one and get back with you.

B
I know it's been three months, but it never hurts to ask: Did you sell them or are they still available?
|All times are GMT -7. The time now is 4:57 AM.


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Why well armoured tanks camping? Because game mechanic is broken for favour camping. Any advance is just suicide yoloing. Watch my "tutorial" replay, how far I get with best front armoured tank, E3. I intendedly went this route, although knowing there are TD on other side. I know I will be killed, but want to know, how fast ( just TD reload time), and what I will get in return (hoping for spotting and seriously dmg enemy TD). Not happen. I was killed with 0 dmg. All TD-s pen my front from so far, that they were not even spotted. TD-s spotted me instantly by its own from other side of map when I went out of cover.
I was useless with 0 dmg. Instead I must had wait behind wall all battle with my most armoured tank till TD-s coming to me.
Don't get me wrong. I only want to say, that there must be MORE chance for advancing. For example, my E3 for stupidity killed, but at least 2 shots from me too with at least pathetic 1500 dmg? Notice that I didn't went so far that got side shots. As long as HT have only front towards enemy, it must be capable fight against TD.


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Cooperation of SCAAP Recipients in the Removal of Criminal Aliens from the United States (Redacted)
Audit Report 07-07
January 2007
Office of the Inspector General
The third congressional question asked us to determine how many criminal offenses were committed by criminal aliens who were released from local custody without a referral to DHS for removal from the United States.
To address this question, we performed limited testing to determine the number of subsequent arrests of criminal aliens who were released from state or local custody. We based our testing on information from the vetted FY 2004 SCAAP database, which was the last year when ICE reported to BJA on the status of every person identified in support of applications for SCAAP funding.57 The vetted database included 262,105 criminal histories.
NCIC Query
We requested assistance from the Federal Bureau of Investigation (FBI) to have the vetted FY 2004 SCAAP database compared to arrest data in the FBI's National Crime Information Center (NCIC).58
The FBI ran two queries, one for SCAAP records that included an FBI number, and another for those records that lacked an FBI number. For the latter group, the FBI queried NCIC using the name and date of birth for each individual listed in the vetted data.
The FBI provided us with nearly 433,000 individual text files that were not searchable by automated means. Because the files were not in a searchable format, we were not able to quantify all the arrests that occurred subsequent to the cutoff date for FY 2004 funding, June 30, 2003. Instead, we reviewed a judgmental sample of 100 criminal histories for evidence of arrests of individuals subsequent to the time when their incarceration was used to support an application for SCAAP funding.
We sampled 53 from records that had FBI numbers and 47 from records that lacked such numbers.59 The criminal histories for 73 individuals documented at least one arrest after June 30, 2003. Those 73 individuals accounted for a total of 429 arrests based on 878 charges and included 241 convictions. These figures represent an average of nearly six arrests per individual.
The charges for the 73 individuals ranged from traffic violations and trespassing to more serious crimes, such as burglary or assault. Some of those charges included:
Based on this limited sample, we cannot statistically extrapolate the number of offenses committed by undocumented criminal aliens who were released from local custody without a referral to ICE. Based on the information available to us in the criminal histories, we could not determine the number of the criminal aliens in our sample that were deported, if any, and later arrested after reentering the United States. We also could not determine if ICE was notified before the criminal aliens in our sample were released from custody. But if this data is indicative of the full population of nearly 262,105 criminal histories, the rate at which released criminal aliens are rearrested is extremely high.
FY 2004 SCAAP funding was based on the incarceration of criminal aliens between July 1, 2002, and June 30, 2003.
NCIC is a computerized database of criminal justice information available to law enforcement agencies nationwide. The NCIC database consists of millions of records arranged in 18 files, including one relating to immigration violators.
This number is issued by the FBI to track arrests and fingerprint records.
The "terrorist threat" cases related to misdemeanor charges based on domestic disputes.
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Gaming is serious business at expo
The PlayStation 2 is so yesterday. Xbox? Old news. And the GameCube? That's downright retro.
After years of showcasing primarily video game software, the annual Electronic Entertainment Expo in Los Angeles highlights a new generation of gadgets that should offer much more than blistered fingers.
Sony Corp., Microsoft Corp. and Nintendo Co. are promising machines with enhanced wireless Internet connectivity, cinema-quality graphics and more high-tech computer circuitry than ever.
Exactly what that means for consumers remains to be seen.
Even before the E3 show starts Wednesday, Sony and Microsoft were expected to display their new systems at separate news conferences today, and Nintendo will discuss its new console further on Tuesday morning.
The companies have been mostly tightlipped about their new products, with Microsoft alone in announcing significant details about its Xbox 360 console.
The curvy white box will have a removable 20-gigabyte hard drive, three processors, a custom graphics chip and built-in wireless for cable-free access to the company's Xbox Live online multiplayer service.
Beyond games, the Xbox 360 will try to replace other entertainment appliances, acting as a hub from which you can listen to music, view photos and do real-time video chats with friends and relatives around the world. Also built-in is the ability to play DVD movies.
Microsoft said it will begin selling Xbox 360 in North America around Thanksgiving, and Europe and Asia by the end of the year.
Nintendo's new console, code-named Revolution, will be a sleek box about as big as a stack of three DVD containers, said Reggie Fils-Aime, executive vice president of sales and marketing for Nintendo of America.
Revolution will play DVDs as well as older GameCube games, and a range of color options are being explored, he said.
"It's the most industrial design we have ever done," Fils-Aime said.
Fancy technology called Cell will be the star of Sony's anticipated PlayStation 3. Cell processors, jointly developed by Sony and Toshiba Corp., are expected to deliver 10 times the performance of today's standard PC processors, according to the chip's designers.
Officials at Sony and Nintendo have suggested their consoles will launch sometime next year.
While that may tip the balance in Microsoft's favor, analysts said being first has often hurt game manufacturers in the past.
Video game history is littered with failed firsts, where the technological marvels of their time failed to lure buyers because of a lack of games or high costs. Examples include Sega's Dreamcast and Atari's Jaguar handheld.
"Being first to the market isn't enough," said Jay Horwitz, senior analyst for Jupiter Research. "Really, it's the first to hit 10 million units that's really meaningful."
Horwitz compared Microsoft's massive marketing blitz for Xbox 360, which was unveiled Thursday night in an MTV special hosted by actor Elijah Wood, to the company's hoopla surrounding the launch of Windows 95.
"They're really going for a knockout here," Horwitz said.
The stakes are certainly high and getting higher in the $10 billion-a-year U.S. games industry, the bulk of it in consoles.
In 2004, Sony's PS2 led the U.S. console wars with 43 percent of the market. The Xbox was a distant No. 2 with 19 percent, followed the GameCube at 14 percent. The remainder included handheld game systems.
But by 2010, Horwitz forecasts, Xbox 360 would grab the lead with 38 percent of the market, followed by Sony with 32 percent and Nintendo with 22 percent.
With Nintendo focusing more on games and Microsoft pushing for an all-in-one entertainment system, Sony is left in a tough position to attract consumers, said Jane Pinckard, editor at GamePro magazine.
"They have to decide if they want to compete on the level of the Xbox, or take a more Nintendo path," she said. "They're really caught in between. They do all these things yet they haven't been able to really position themselves in the broader electronics marketplace as Microsoft has."
For all three products, many details such as pricing and game selection remain unknown, nor is it clear whether the PS3 or the Xbox 360 will be able to play the vast library of games already out for their aging counterparts.
Ultimately, none of these consoles will be worth much without games.
Hundreds of new games and accessories will make their debut at the conference - almost all of them for the existing generation of hardware.
Highlights should include a new "Legend of Zelda" game from Nintendo featuring action hero Link, another gory first-person shooter in "Quake 4," and "Spore," a simulation from "The Sims" creator Will Wright. "Spore" will let you evolve primordial goo into an interstellar civilization.
Big-budget sports games will include "Madden NFL 06," while Lara Croft returns after a two-year hiatus with "Tomb Raider: Legends."
The Hollywood connection continues stronger than ever, with digital adaptations of "The Godfather," "Taxi Driver," "Jaws" and "Pirates of the Caribbean."
But since it's been nearly five years since the last generation of consoles, the new hardware will probably steal the show.


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8 thoughts on "Food Truck Menu"
I spoke yesterday about booking a catering rehearsal dinner on June 19 around 6pm. I never recieved your email. I would some information about serviced and food.
Hello Awesome Food Trucks,
I wanted to thank each of you again for coming to Eaglebration next Thursday evening. To give you an update, here are the trucks that will be participating in the event:
CaroBama BBQ
Treehouse Truck
La Empanada
The Crepe Company
The Big Cheese
Our athletic department will be selling baked goods as well, rather than having a dessert truck.
We will have dining tables set up as well as plenty of trash cans.
Just like past years, we will be set up in the Edgewater High School Stadium parking lot. You will enter that parking lot from Eagle Way off of Edgewater Drive just South of Par Street.
You can start arriving as early as 4:00, and we ask that you be ready to serve at 6:00 PM. We are expecting a big crowd, as we have only had one other home football game so far this year. I think people will be excited. Just pray for good weather, as usual.
I am headed out of town for a long weekend, and then I have one last facilities meeting Monday morning. Please shoot me an email by Monday morning with any questions you may have, so that I can get those questions answered.
Once again, thank you so much for your participation!!!
Lisa Bywater
Interested in hiring your truck for a wedding reception in 2017!
Interested in discussing pricing for a wedding in Nov and to see if you are available.


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R. E. Vernède was a peace lover quite unfamiliar with weapons, over forty and married, yet he enlisted in 1914. He was a man of remarkable intellectual and moral delicacy, and yet his muse returns to this theme of patriotism, as a moth haunts a candle. He had deserved esteem for several works in prose, and his friends made sure that in time a more general and generous acknowledgment would accrue to him. He was of French descent, and these poems[1] show a fine sense for literary craftsmanship. The war made a poet of him, for the verses written prior to it are comparatively unambitious. Perhaps the lyrical impulse aroused was younger than the rest of his mind, or was it some French traditional reliance on trumpet-calls that set him toot-tooting?
"Oh War-lord of the Western Huns—that Army of Sir John's
Your legions know it, do they not? They drove it back from Mons—
'Twas small enough. . . too small perhaps. . . the British line is thin. . .
It won't seem quite so little when it's marching through Berlin."
Surely Vernède cannot have voiced this boast for his own satisfaction. Do we listen to one for whom "anything pretentious and pompous was a target" when we read—
"The sea is God's—and England,
England shall keep it free"?
Surely such things are intended to reach duller ears than his own. Imagine this ardent dreamer, suddenly surrounded with "Tommies," gaining rapid ascendancy over them by his moral elevation, but at the same time
- ↑ War Poems and Other Verses. By R. E. Vernède. Heinemann. 3s. 6d. Quotations by permission of Mrs C. H. Vernède.


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As a newcomer to living in Scotland, I have been delighted to experience the optimism and enthusiasm that characterises the tech sector here. After 30 years in the industry, living in the Thames Valley, working for small and very large corporates with customers in the UK and worldwide, I have found the tech community in the Central belt to be very welcoming and highly interconnected.
I have been lucky enough to meet exceptional people like Paul Atkinson, Kenny Fraser, Ian Ritchie, Chris van der Kuyl, Gordon Stuart, Jock Millican and Kevin Grainger, among many others, who have extensive experience, expertise and networks to leverage on behalf of the start-ups they support, increasing dramatically their chances of success.
The South-East has dominated the tech sector limelight in the UK for decades with London and Cambridge taking centre stage for start-ups. They seem to get most of the media attention and with a lot of emphasis on how much money particular companies raise in investment and on consumer apps and web retail. Let's not even start on the recurring "How can we create Silicon Valley over here?" articles. Now it's the 'U' word as we obsess over how many companies are valued at more than $1 billion (BTW - Scotland has more per capita than anywhere else outside the USA!). The real story needs to be about innovation, getting from start-up to scale-up, looking to the global market not just the local for customers, profits and job creation. Building scalable businesses and generating profitable revenues is the prize. To do that takes thriving technology ecosystems and Scotland is building its.
READ MORE: Scots students to see science experiment launched into space
Covering the spectrum of universities, innovative R&D, entrepreneurs, incubators, early-stage investors and advisors, I have met some outstanding people and organizations who have been open and eager to discuss their plans for growth. Scottish Enterprise has programmes supporting all stages including commercialising university spin-outs and helping entrepreneurs go from concept to being investment-ready. The associated Scottish Investment Bank provides very welcome matching funding to angel and early stage investment. There is a plethora of angel syndicates, many of them members of the LINC network - groups such as Par Equity, Equity Gap and EOS as well as the long-established Archangels. Most importantly for the investees, these investment networks provide not only capital but the skills and experience which many of the individual investors bring to bear make it 'smart money'.
I have come across some really exciting companies like Senient, Sunamp, Shotscope, Administrate, ACT Blade, Chromacity, pureLiFi, Cyberhawk, Peach Digital, Sansible and more. These are innovators and often originate from or are associated with universities. The Universities of Edinburgh, St Andrews and Strathclyde, among others, are all working hard to build strong links between academic research and industry in order to create commercial opportunities and they are succeeding. Throw into the mix some fantastic support infrastructure for young businesses ranging across the likes of Informatics Ventures, Codebase, Scotland IS, Entrepreneurial Spark, Acorn Enterprise and you can see that entrepreneurs in Scotland have access to a lot of the resources they need in order to build successful businesses.
Of course, growing businesses need skilled people and many find it hard to recruit the talent they require. This is a UK-wide problem, though, and Scotland is not alone in struggling to retain enough graduates from its universities to feed the demands of its growth businesses. Even more than people, though, companies need customers and often they need more capital than angels alone can provide. There are relatively few venture capital firms operating in Scotland, particularly at the early and series "A" stages. There is Pentech and now Mercia Technologies but not many others. No problem, surely, because there are lots of VCs and investment capital in London which is only a one hour plane ride away. What has surprised me is how few people seem to view that as a viable route, talking about going to the US instead. Apart from the fact there are some active VCs in continental Europe to add to the mix, I would suggest that raising funds in the US is non-trivial unless you have done it before and unless you want to become a US company.
READ MORE: Livingston-based Touch Bionics sold for £27.5m
Finding customers is never easy but ambition must lie beyond the borders of Scotland, beyond the UK. For tech companies that want to make a difference they need to be thinking about global opportunities for their products and that means selling hard. Many of the conversations I have had with companies, investors and advisors have revealed that sales skills are in very short supply. Putting together compelling propositions demonstrating the value of your products so that people need and want to buy them is not easy but addressing it cannot be ignored. Yet it is the piece most often missing from pitches.
This is such an exciting time to be an entrepreneur in Scotland and I look forward to contributing to the continued success of the tech ecosystem here.
Philip Petersen is an experienced B2B technology industry executive and entrepreneur, now based in Edinburgh and Fife
Scotsman Food & Drink: ideas, inspiration and guides


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On Monday, oil bulls extended gains after Friday's invalidation of the breakout, which together with the buy signal generated by the Stochastic Oscillator suggest further improvement. A least at the first sight. But does watching the room through the keyhole give us a full picture of what's inside? We also think so, therefore, we invite you to analyze a broader picture of crude oil.
Let's analyze the charts below (charts courtesy of http://stockcharts.com).
On the daily chart, we see that thanks to Friday's decline the commodity dropped to our first downside target - the 38.2% Fibonacci retracement (based on the August-January upward move), but then rebounded and invalidated the earlier breakdown under this support. As you see, this positive event encouraged oil bulls to act, which resulted in further improvement after the market open.
But did the bulls' "rally" change anything in the overall picture of black gold? Some of you will likely say that an invalidation of the breakdown under the above-mentioned retracement in combination with the buy signal generated by the Stochastic Oscillator could trigger further improvement.
Of course, such a probability can't be ruled out, however, focusing only on these two positive factors without looking more closely at the bearish arguments is like watching a closed room through a keyhole. We see only a little piece of a larger image, which can be confusing. Why are we writing about it? Let's analyze the factors, which oil bears have on their side.
Firstly, light crude increased to the previously-broken 50-day moving average, but then reversed and decline quite sharply, which looks like a verification of the earlier breakdown under this line. Secondly, size of volume, which accompanied yesterday's increase was visibly smaller compared to what we saw in the previous week during declines. Thirdly, although the Stochastic Oscillator generated the buy signal, the sell signals generated by the RSI and the CCI remain in the cards.
On top of that, let's recall the most important factor, which justifies the maintenance of short positions (seen on the medium-chart below).
What do we mean? An invalidation of the breakout above the upper border of the green rising trend channel, which materialized on huge volume, increasing the probability of further deterioration.


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The Fifth Annual Sustainability Education Symposium
Symposium Theme: Energizing Our Ecosystems
Keynote Speaker: Dr. Craig Chalquist
Location: Crossroads Center, Prescott College Campus
When: May 16th - 18th, 2013
Featuring: Presentations, Panels, Music, and More
Special Musical Guests: Owen and Moley Ó Súilleabháin
With internationally-known keynote speakers and renowned sustainability experts, each May the Prescott College Ph.D. program in Sustainability Education hosts a symposium centered on the theme of sustainability and its connection with education throughout our society. Prescott College is pleased to announce the Fifth Annual Sustainability Education Symposium to be held May 16-18, 2013 at the College's Prescott, Arizona campus. This year the Master of Arts students and faculty will also be present, with the inclusion of master's thesis presentations on a variety of topics.
This year's symposium features Owen and Moley Ó Súilleabháin, two singers, speakers, composers, and brothers from Ireland with a rich musical tradition. Owen and Moley have performed internationally with their mother, the singer and theologian Dr. Nóirín Ní Riain. They will bring a mix of music from traditional Irish and sacred songs to ultra-modern original pop songs. Their goal is to write songs that lift the human heart to generosity and gratitude, while also being 'groovy.' The brothers have performed with Russell Crowe, The Chieftains, Bobby McFerrin, and renowned poet David Whyte. They are currently working on their 3rd album of sacred a capella songs from many traditions.
Our keynote speaker is Dr. Craig Chalquist, department chair of East-West Psychology at the California Institute of Integral Studies and a former core faculty member in the Department of Consciousness & Transformative Studies at John F. Kennedy University. He is an academic adviser and adjunct faculty at Antioch University, Prescott College, and Pacifica Graduate Institute and the online General Psychology instructor for College of the Siskiyous. Dr. Chalquist has worked as a family therapist, conflict resolution facilitator, lecturer, and group facilitator. He earned his PhD at Pacifica Graduate Institute, where he studied depth psychology with an ecological approach. While working as a therapist he spent six years providing group counseling for men and women referred for mandatory therapy. In October of 2010 he launched a one-year Certificate in Ecotherapy at JFK University, and designed the curriculum for a Certificate in Ecotherapy and Sustainable Culture for The Graduate Institute in Connecticut.
About the Symposium
The Prescott College Symposium on Sustainability Education is an annual conference bringing community members, experts, and students of sustainability education together to learn about the latest work in this new field and to connect and celebrate our emerging scholars. Each Spring, the Prescott College Ph.D. program in Sustainability Education hosts a symposium centered around the theme of sustainability and its connection with education throughout our society. Over the course of the two-day symposium, participants learn from an array of internationally-known keynote speakers and other renowned sustainability and education experts in a variety of modes: panel discussions, workshops, formal presentations, and via informal networking opportunities.
The Prescott College Limited-Residency Ph.D. program in Sustainability Education's mission is to create an informed, involved citizenry with the social and scientific literacy, commitment, and creative problem-solving skills to engage in responsible individual and cooperative actions toward a sustainable society. Achieving sustainability in all dimensions of human existence depends on adopting an educational paradigm that manifests and supports change toward a sustainable, secure society. The Limited-Residency Ph.D. program in Sustainability Education strives to contribute to synergistic learning and change in consciousness, education, culture – and, ultimately, society.


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Commonly known as Ipil-ipil, this tree is native to Australia, Cambodia, Indonesia, Madagascar, Malaysia, Myanmar, Papua New Guinea, Solomon Islands, Thailand, and Vietnam.
Ipil-ipil is a medium sized tree with a spreading crown that grows to about 35m in height. Mature trees have rounded and steep buttresses that can exceed 4m when fully developed. The bark is a distinctive light pinkish to reddish brown to light grey colour, generally smooth but peeling in irregular sizes exposing the fresh colour underneath.
The leaves are smooth, shiny, and light green in colour. They are pinnately compound, with about four leaflets in a broad, elliptical shape.
Individual flowers are moderately large with four green sepals. The petals are white with a red center. The flowers flower all year round.
The fruits are in the form of thick, oblong, and rigid pods up to 10cm wide and 30cm long. Each pod contains two to eight round seeds which are brown in colour and flattened. The fruits have a laxative effect though the seeds can be consumed.


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Whose land?
TypeNews Item
AccessibilityOpen Access
MetadataShow full item record
CTA. 2001. Whose land?. Spore 91. CTA, Wageningen, The Netherlands.
Permanent link to cite or share this item: https://hdl.handle.net/10568/46091
External link to download this item: http://spore.cta.int/images/stories/pdf/old/spore91.pdf
Land tenure lexicon. A glossary of terms from English - and French - speaking West Africa
A lexicon of the rich terminology of land tenure and ownership, customary and colonial law and accompanying socio-legal and cultural diversity in West Africa. Land tenure lexicon. A glossary of terms from English - and French - speaking West Africa Compiled by R Leonard & J Longbottom, International Institute for Environment and Development (IIED), 2000. 74 pp. ISBN 1 899825 46 0 GBP 12.50 E 19.65 IIED Drylands Programme 3 Endsleigh Street London WC1H ODD, UK Fax: + 44 20 73 88 28 26 Email: firstname.lastname@example.com
RegionsWEST AFRICA; AFRICA
- CTA Spore (English) [5136]


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Hair extensions are so ubiquitous in Hollywood these days, it's almost more shocking when somebody doesn't wear them. It's like spotting a unicorn in the wild—still with an incredible mane, of course, because these are celebrities we're talking about.
Perhaps the most exciting thing though is how real and candid stars have gotten about their decision to wear faux hair. In the past year alone, Chrissy Teigen gave a look at the intense process that goes into clipping in her hair pieces for a photo shoot. Selena Gomez charmingly revealed that, yeah, her hair is "very fake." And Taraji P. Henson even penned an empowering message on Instagram about how liberating it was to be able to be photographed without her weave in.
Below, we rounded up a few of our favorite examples of times stars weren't afraid to pull back the curtain and let us in on what their hair looks like without all the extra length. Scroll on down.
Ashley Benson gave fans a sneak peak into her own DIY hair makeover by popping out extra-long extensions in a video uploaded to Instagram.
Known for sporting long, platinum locks while playing her role as Daenerys Targaryen in Game of Thrones, we almost didn't recognize Emilia Clarke when she first debuted this haircut.
If you scroll through Khloé Kardashian's Instagram page, you'll notice this short (and crazy versatile) haircut wedged between multiple lengthy hairdos.
Taraji P. Henson nearly didn't let photographer Bruce Weber take this shot of her without her weave in. "I wanted to say 'HELL NO,' but I decided to trust art and the process," she wrote on Instagram. The result: this badass shot.
In between braids and wigs, Kylie Jenner debuted this chic black bob.
Here's Hilary Duff, presumably in between hair appointments, because she was back to her signature long, Cali-girl waves days later.
Sarah Hyland captioned this snap, "Last week I got my extensions out!! It's lob time," right before chopping off another couple of inches.
Nicki Minaj's hair is really long IRL. As she put it, she's got "no perm, no extensions" in this shot.
Emma Roberts went au naturel for a photo shoot.
Cher Lloyd, she of a majestic mountain of curls, gave fans a peek at what she looks like without all that length. "Giving my hair a break from extensions. AHHHH feels good!!!" she wrote.
Jennifer Lopez has had her bob for a few months now, but we still can't get over the shock wave created by this Instagram.
Selena Gomez rocks the heck out of a Rachel cut, no?
Watch Lucy Hale Play Obsessed or Unimpressed:


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I have now migrated this blog to a new location.
Please go to : http://www.frankcourtney.com/blog
(all the existing post up to here have also been migrated)
I have now migrated this blog to a new location.
Please go to : http://www.frankcourtney.com/blog
(all the existing post up to here have also been migrated)
Eddie Smyth of the group Tailteann hails from my hometown of Trim, Co. Meath. They recently released a CD, using one of my photos on the cover.
It's a great CD – well worth getting.
For more information see :
One of my favourite pubs in Dublin.
Taken this week – you can see some Christmas lights in the background
I came across the following quotation/advice recently. I think it applies to Wedding Photography as much as to anything else. Most importantly, it makes the distinction between value and price.
"It is unwise to pay too much, but it's worse to pay too little. When you pay too much, you sometimes lose a little money – that's all.
When you pay too little, you sometimes lose everything. Because the thing you bought was incapable of doing the thing it was bought to do.
The common law of business balance prohibits paying a little, and getting a lot. It can't be done!
If you buy from the lowest bidder, it is well to add something for the risk you run. And if you do that, you will have enough to pay for something better."
John Ruskin (1819 – 1900)
O'Donoghues Pub in Merrion Row. Note the little green sign above your man on the mobile 🙂
One of the last old shopfronts around the centre of Dublin. Set up in the 1890s and still going.
Apart from selling yeast (surprise), it's main business is selling wedding cake and icing equipment (as you can see from the window).
Here's my list of the top 10 things you need to consider when choosing a Wedding Photographer. Quite a long post, but I hope you will find it useful.
Yes, I know some of them are obvious, but it might help to have them all listed in the one place. You will also notice that cost is not number 1. Yes, of course it's important, but there are other things to consider as well.
I would also like to see your comments on this list – have I missed anything, or underrated/overrated some of the points ?
Obvious, I know- but popular dates and photographers often get booked up early. Some photographers will also be reluctant to travel to certain locations – especially if it would make it difficult for them to return the same day.
There are photographers at all price levels from 'free' to 'need a second mortgage'. Always make sure you know exactly what you're getting for your money. It's very difficult to make exact comparisons, as the package details will vary from person to person. See number (5) for some of the things which may or may not be included. Also check what other costs or expenses might be charged e.g. travel (mileage), accommodation, meal (often provided for all day photography).
Many photographers can justify high charges by their talent and experience. Others may try to charge the high fees and not deliver. If your photographer is 'free' ask yourself, and them, why ? Some photographers use cheap or free photography as a legitimate way of building up experience and getting established. However, you will still have to satisfy yourself that they can deliver what you want from your very important day.
Very important. Ideally both of you should meet the photographer before signing any contract to ensure you're all on the same wavelength. If you don't get on well during this meeting – imagine what it might be like on the day of your wedding. Not every photographer will be right for every couple – even if they're extremely good and talented photographers.
You should be able to rely on your intuition here. You may also be able to get opinions from other people who have used them – either from someone you know, or via one of the many online wedding websites. This is one of the biggest single factors which will ensure you are happy with the end result.
Some people prefer having just a few formal posed photographs – others like the more traditional approach. The current trend seems to be for more informal and 'photojournalistic' photographs, with a minimum of formal photographs added on.
Make sure you discuss with the photographer what photographs you want from the day. You can make a list of photographs you particularly would like , but try and keep it as short as possible.
This is where many of the major price differences arise. The following are the many elements which could be included in the cost :
6) What experience does your photographer have
Ask to see samples of previous work, ideally of a complete wedding as well as samples from other weddings. These will often be available to view online.
7) What back-up equipment does your photographer have
All professional photographers should have backup equipment available on the day of your wedding. Equipment does fail, so it is essential to have, for example, a second camera, flashgun etc.
Formal qualifications are not essential, but a good photographer will always be learning new skills and keeping up to date with modern trends.
Once again, not essential, or a guarantee that the photographer will be right for you. However, membership of appropriate professional bodies can give you extra confidence in your photographer. Many of them have various qualification levels which can only be achieved by presenting work of a certain standard.
If the photographer has sample photographs from previous events at your chosen locations, then that can help in two ways :
(a) You will have a better idea of what to expect as the final result
(b) The photographer will be able to concentrate more on you, as they will be familiar with the location
If it is a new location for that photographer, many will make a quick 'recce' trip, or arrive a bit earlier on the day to have a good look around, and choose good locations for the photographs.
As this years Dublin Fringe Festival is now on, I thought I'd post a photo from last year.
This is from the French theatre company, Compagnie Carabosse – and was a pretty big event in the IFSC. I don't think there's anything quite so spectacular this year. However, lots of other interesting shows to see.
So, this is the first post of another strand which I expect to run through this blog – Street Furniture. I am using this term very broadly – so expect to see signs and shopfronts included in this category.
I was surprised to see this sign still here – albeit, a little faded. The sign is on Nassau Street, at the end of the block containing the Dental Hospital. It overlooks the railings and playing fields of Trinity College.
Of course the hotel itself no longer functions. Finn's hotel is where Nora Barnacle worked, and James Joyce first met her near here in 1904. Their first date was on June 16th that year. Joyce based the character of Molly Bloom in Ulysses on her, and June 16th is now celebrated every year as 'Bloomsday'.
Some more information here.
Not too far away either is Sweny's Chemists – where Leopold Bloom bought some lemon-scented soap for Molly – fact and fiction continue to intermingle.


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- Problem?
- Fullscreen
Playboy Hot Zone Slot Review & Experience
The Playboy Hot Zone slot game was made by the Bally Technologies (the most popular casino developers). It has 5 reels, 40 pay lines that let you walk into the house with a maximum bet of 200 credits points. You will have an opportunity to make bet that varies from 1 cent to 10 euros per line. On the other hand, per spin you will have the maximum rate 400 euros.
Keeping to the theme, the symbols on the slots reels are pin-up girls. The Wild symbol is the Playboy bunny, the logo of the entire franchise. The aim of the game is to get as many Wilds as you can in each individual spin. The game also uses the traditional card nominals, from 10 to Ace. While you play the Playboy Hot Zone slot game, you have a chance at winning multiple free rounds (8, 10 or 20). To avail of this bonus, you need to land two Scatter symbols on the reels. Your bet amount for these free rounds remains the same as your original bet when the bonus feature is activated.
Not only are there great bonuses and free spins, players get a tour of the lifestyle at the Playboy mansion with every spin. Playboy is an extremely large franchise, and Bally Technologies has done an excellent job of reproducing the delights of the enterprise in the video slot game, Playboy Hot Zone.
Play Playboy Hot Zone in Casino for Real Money:
|Leo Vegas Casino
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|Mr Green Casino
|Dunder Casino
|Videoslots.com Casino
|Casimba Casino


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Beauty is never complete without the addition of fashion and elegant ornaments for girls. For centuries, various kinds of jewelry are using body adornment around the world where some old fashion jewelry trends were completed with the passage of time and some come back into fashion with innovative changes.
Here, I will introduce more excellent and stimulating matha Patti trend for young people recently become prominent fashion accessory jewelry and create new creative elegant fashions. This exquisite accumulation fascinated matha patti simply to cover jewelry beads with head wear because now a day, the fashion pearl jewelry loved by modish stunning girls because of their impressive real beauty grace.
These pearls are formatted in mathematics Tikka exclusive styles with a side layers covering both layers of head wear jewelry or style mang tikka etc. All parts of the head with dazzling looks catchy extraordinary beauty which now considers vital to exude grace splendid tempting ladies.
Have a good look classy and sophisticated check Jewelry mang tikka ideas. One of the most fabulous bridal wear exceptional main ethnic jewelry item is shared here that has an impressive expression dazzling pearl sides with thick coats and shiny gold centerpiece with the lovely face these closures are party necklace and earrings ornaments.
You are seeing here with class and intimate bridal fashion accessory that matha patti superbly created by Kundan grains, rubies and pearls layered center three times and draped pearl crystal brooch style.


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Category: Software
Net Monitor for Employees Professional 5.6.1 35.57 MB
Net Monitor for Employees lets you see what everyone's doing - without leaving your desk. Monitor the activity of all the PCs in your company remotely. Plus you can share your screen with your employees PCs, making demos and presentations much easier.
Easy Step-by-step installation takes only 5 minutes! No registration is needed. Start tracking employee activity today to improve productivity.
Here are major benefits of using this employee monitoring software:
-Installation and use of the application is very easy since all of the functions can be accessed with a few mouse clicks.
-You have complete control over what remote users are doing.
-This software provides you with a live picture of the remote computer screens.
- You can make the presentation by showing your live screen to students or presenting student screen to others.
- Application allows you to take over the remote computer by controlling its mouse and keyboard.
- The remote computers screens are represented in the table with a customizable number of rows as thumbnails.
- Schedule remote computers desktop recording to MPEG4 files
- Execute several actions on all remote computers with on click
- Block applications and Internet access
- Log visited web sites
- Log application use
- Log keystrokes - key logger
- Send and Collect files
...and much more - see feature list and screen-shots
Application now runs on Android, iOS and windows Phone too.
OS: Win2000,WinXP,Win7 x32,Win7 x64,windows 8,windows 10,WinServer,WinOther,windows2000,windows2003,windows Server 2012,windows Tablet PC Edition 2005,windows Media Center Edition 2005,WinVista,windows Vista Starter,windows Vista Home Basic,windows Vista Home Premium,windows Vista Business,windows Vista Enterprise,windows Vista Ultimate,WinVista x64,windows Vista Home Basic x64,windows Vista Home Premium x64,windows Vista Business x64,windows Vista Enterprise x64,windows Vista Ultimate x64
Language: English
Download URL: http://networklookout.com/dwn/nmemplpro.exe
Read more: http://networklookout.com
Mirror Links
Net Monitor for Employees Professional v. 5.6.1 rapidshare mediafire megaupload hotfile download, Net Monitor for Employees Professional v. 5.6.1 torrent emule download, Net Monitor for Employees Professional v. 5.6.1 full free download, Net Monitor for Employees Professional v. 5.6.1 rar zip password or anything related.
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We recommend you to Register or enter the site under your name.


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HP 439Printed Document PDF Quick
ViewWord DocumentFiscal Status
Not Yet Determined
Final DispositionAccepted Majority (ONTP) Report, Jun 1, 2017
Need a paper copy? Contact the Document Room at 287-1408 or send an e-mail with the Paper or LD number, Item number and a mailing address to email@example.com.
Change TitlePrinted Document PDFQuick
ViewWord DocumentFiscal Status
Fiscal ImpactFiscal Note PDFFiscal Note
Need a paper copy? Contact the Document Room at 287-1408 or send an e-mail with the LD number, the Item number and a mailing address to firstname.lastname@example.com.
Referred to Committee on Transportation on Feb 16, 2017.
Latest Committee Action: Reported Out, Apr 12, 2017, ONTP/OTP-AM
Latest Committee Report: Apr 12, 2017, MAJ: Ought Not To Pass, MIN: Ought To Pass As Amended
|Mar 24, 2017
|Work Session Held
|Mar 24, 2017
|Divided Report
|Apr 12, 2017
|Reported Out
View upcoming public hearings and work sessions for Transportation.
|Divided Reports
|Report Signer
Ought Not To Pass
|Senator Collins of York, Chair
Representative McLean of Gorham, Chair
Senator Rosen of Hancock
Representative Austin of Skowhegan
Representative Bryant of Windham
Representative Gillway of Searsport
Representative Grant of Gardiner
Representative Parry of Arundel
Representative Perkins of Oakland
Representative Sheats of Auburn
Ought To Pass As Amended
|Senator Miramant of Knox
Representative Cebra of Naples
Representative Schneck of Bangor
None listed at this time.


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Cupcake Time - AFA DT Post14:29:00
Hi Everyone! Today over at Anyone for Anya we have a fun new challenge for you: Sweet Treats! For my card, I have used Birthday Anya II with her yummy little cupcake :) Keeping in mind that Valentine's Day is around the corner...I decided to create a cute love scene using the My Mind's Eye Love Me papers.
18 comments
what a sweet cardReplyDelete
love the glitter
oh this is one gorgeous card Hun just love that image,and all that beautiful glitter hugs CherylxxReplyDelete
awww, she's so cute! love the design and her hair color is perfect!ReplyDelete
Her hair looks great! I love that paper too!ReplyDelete
Fantastic card and colouring Alyce..LozReplyDelete
This is so cute! I love the touch of blue on it. Thanks for playing with us at Going Grey with Scrap-Creations.ReplyDelete
So cute and adorable with the colors and the image. Beautiful card!ReplyDelete
locksmiths sydney
Thanks for becomming a follower Alyce, I've just repaid the favour. Yay another fabulous Aussie talent!ReplyDelete
Kasey ~ in Oz
Great card Alyce, love the touch of blue with the pink really looks greatReplyDelete
Kat xx
Pretty card. You did such an awesome job on the coloring. Love the glitter too.ReplyDelete
Hey, the blog is lookin' great!ReplyDelete
I love this sketch... gonna have to borrow it. :)
This is just stunning, love the gorgeous mix of papers and fab stitching. She is such a wee cutie and her hair is coloured to perfection.ReplyDelete
this is so sweet! lovely card!ReplyDelete
Gorgeous card Alyce, love the highlighted hair and sparkly cake lol! Thank you for your kind comments and following, I am now a new follower and look forward to seeing more of your beautiful creations, happy crafting, take careX:)ReplyDelete
Gorgeous card Alyce and thanks for popping by my blog and your lovely comment on my cardReplyDelete
Ooooh this is gorgeous. xxReplyDelete
This is so sweet! I love all the glitter on that cupcake - so cute!ReplyDelete


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When to Get an Electrical Inspection By a Licensed Electrician
Electrical Inspections
Licensed electricians are skilled in making sure that the wiring and installations in a home meet the municipal codes in the area. What to expect in an inspection is beyond the scope of this article. However, many homeowners may have done work on their homes themselves or may need to have someone check the work of a contractor. Before an inspector from the city or county comes to the house, it is wise to have a licensed electrician inspect the home for problems.
When Time Matters
Many times the inspecting electrician can find problems that general contractors miss. Plus, the electrician knows how to fix the problem as soon as they see it. The combination of an inspection and repair can help the homeowner to ensure that they are living in a safe house where proper work has been done.
Once the electrical inspection is done, the homeowner will know that their electrical inspection by the city or county will go over just fine. Electricians are the best resources for homeowners who are unsure about the wiring and electrical work in their home. Contact Rose Brothers & Sons Electric today!


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Margaret Helthaler
Media Arts & Animation
Lead Faculty, Media Arts & Animation
The Art Institute of Pittsburgh — Online Division
Design is more about solving problems than making things look nice. Margaret Helthaler , Lead Faculty, Media Arts & Animation , The Art Institute of Pittsburgh — Online Division
Was there a defining moment when you knew you were destined to become a creative professional?
I'd finished my freshman year at a liberal arts college, and was taking time off to find my direction. A department store owner took a chance on a 19-year-old with a high school portfolio and gave me a job in the advertising department. It was a great learning experience. I went back to college two years later to pursue my BFA in graphic design.
How do you weave your professional background into the classroom experience?
I've worked in graphic design for nearly 30 years, so I offer students the kind of real-world insights that can help them pursue their goals and objectives.
What class assignment exemplifies your approach to teaching and mentoring?
In every course, and with every assignment, I encourage students to take ownership of the learning process by asking questions instead of waiting for me to give them the answers.
How does collaboration contribute to students' success—particularly when students from various programs work together?
Teamwork offers wonderful learning opportunities—especially when students from different programs contribute to the same project. You never know whom you might learn from.
What's the most critical advice you would offer any student embarking on a creative career?
Keep asking why. And strive to find a specific reason for your choices. Design is more about solving problems than making things look nice. Learn to think.
Anything else you'd like to share?
Like many of our students, I had to balance work, family, and school.


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Hide Forgot
Two flaws in the Konqueror webbrowser make it possible to by pass the
sandbox environment which is used to run Java-applets. One flaw
allows access to restricted Java classes via JavaScript, making it
possible to escalate the privileges of the Java-applet. The other
problem is that Konqueror fails to correctly restrict access to
certain Java classes from the Java-applet itself.
See http://www.kde.org/info/security/advisory-20041220-1.txt for the
full advisory.
This issue should also affect RHEL2.1
There're many API changes between 3.1 and 3.2 in KJAS. Backporting is
not possible. Disable jave is a workaround ATM, which we should
probably mention in the errata. I close it as WONTFIX


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We maintain our long-term Neutral recommendation on ADTRAN Inc. (ADTN). The company reported better-than-expected first quarter of 2013 financial results. Both the top and the bottom line outpaced the Zacks Consensus Estimate.
Why Keeping at Neutral?
ADTRAN has performed creditably despite a challenging business environment. The company is facing double-edged problems: (1) the communications equipment industry is currently going through a volatile phase due to uneven capital spending of telecom carriers, and (2) increasing competitive pressure within the industry. In the reported quarter, ADTRAN stabilized its businesses with the U.S. Tier 1 carriers, while generating contracts from several Tier 2 carriers. The Enterprise division also generated strong sales of IP gateway and switch products.Looking ahead, we expect the company to benefit from market share gain, new product offerings, solid international sales, and growing service revenues.
Risk/Reward Almost Balanced
We believe that the organic growth for the company will be largely based on recovery in spending pattern of tiered carriers and the Enterprise segment, increased penetration of TA 5000, professional services at domestic and international levels, mobile broadband infrastructure upgrades and funds generated through Broadband Stimulus projects. ADTRAN has declared that the company has received orders from a Tier 1 telecom carrier for which shipment will start from the second half of 2013. Additionally, the company is expecting to generate revenues from a second Tier 1 carrier in early 2014.
Nevertheless, the market for broadband access and IP networking equipment is highly competitive. The company competes with large and well-established networking OEMs both in the enterprise and carrier market segments. Competition would further increase if new companies enter the market or the existing competitors expand their product lines. An increase in competition will force ADTRAN to reduce its product prices and market share. Customer concentration is another major concern for the company.
Other Stocks to Consider
ADTRAN currently has a Zacks Rank #3 (Hold). Other stocks in the industry that warrant considerations include Symmetricon Inc. (SYMM), Calix Inc. (CALX) and SBA Communications Corp. (SBAC). While Symmetricon currently has a Zacks Rank #1 (Strong Buy), both Calix and SBA Communications carry a Zacks Rank #2 (Buy).
Read the Full Research Report on ADTN
Read the Full Research Report on SBAC
Read the Full Research Report on CALX
Read the Full Research Report on SYMM
More From Zacks.com


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Cher Lloyd Drops 'Sticks + Stones' U.S. Version Track Listing
Cher Lloyd, the tattooed and petite powerhouse who once competed against One Direction on the British version of 'X Factor,' is prepping her debut 'Sticks + Stones' for its Oct. 2 stateside release. She has just shared the track listing for the U.S. version.
We know, we're shocked that neither 1D nor Lloyd took their season, since both went on to be bigger than the actual winner -- who was that, by the way? It was actually Matt Cardle, for those keeping score at home. Not winning hasn't derailed either act's career, as Lloyd is celebrating the platinum status of her sassy smash single 'Want U Back.'
The album is 10 songs strong, featuring a duet with Busta Rhymes! Additionally, this U.S. edition features a never-before-heard, brand new jam titled 'Behind the Music.' We love that this British spitfire is looking out for her U.S. fans with an extra track.
The disc is available for pre-order as of tomorrow (Aug. 28) and "brats," which is Lloyd's pet name for her scores of fans, who order early will be treated to an instant download of 'With Ur Love.'
Remember, there was another version of 'Want U Back' featuring U.S. 'X Factor' Season 1 contestant Astro, but that's not included here.
In other news, Lloyd will bring her swagger to the TODAY show on Aug. 30. Relive her adorbs, diner chic 'America's Got Talent' perf here.
'Sticks + Stones' Track Listing
1.' Want U Back'
2. 'Grow Up' (featuring Busta Rhymes)
3. 'With Ur Love'
4. 'Behind the Music'
5. 'Oath'
6. 'Swagger Jagger'
7. 'Beautiful People' (featuring Carolina Liar)
8. 'Playa Boi'
9. 'Superhero'
10. 'End Up Here'
Watch the Cher Lloyd 'Want U Back'


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I want to get some advices and glean some wisdom from you wise sages!
I'm going to be getting married and my future husband and I both are currently college students and we wonder if it's possible that we both stay full time in college.
He's concerned about us being able to be full time students, which includes all that workload we will get, and how to be able to be there for each other.
Am I being clear on what I mean here?
Please, please, please help! I want to glean as much wisdom as I can!


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Sherri Saum married Kamar de los Reyes in May 2007. Both of them are actors, Sherry of German and African American ancestry and Kamar of Cuban and Puerto Rican ancestry.
Sherry's Wiki
Sherry's IMDb
Kamar's Wiki
Kamar's IMDb
My Comments: I couldn't say that Kamar was WM in my labels. So there's a new label of BW/HM. At the moment, many of the other posts may not be accurately labeled. Please give me time to look at them and make any changes.


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Each year throughout the country, unintentional carbon monoxide poisoning claims more than 400 lives and sends another 20,000 people to hospital emergency rooms for treatment.
Understanding the Risk
What is carbon monoxide?
Carbon monoxide is an odorless, colorless and toxic gas. Because it is impossible to see, taste or smell the toxic fumes, CO can kill you before you are aware it is in your home. At lower levels of exposure, CO causes mild effects that are often mistaken for the flu. These symptoms include headaches, dizziness, disorientation, nausea and fatigue. The effects of CO exposure can vary greatly from person to person depending on age, overall health and the concentration and length of exposure.
Where does carbon monoxide come from?
CO gas can come from several sources: gas-fired appliances, charcoal grills, wood-burning furnaces or fireplaces and motor vehicles.
Who is at risk?
Everyone is at risk for CO poisoning. Medical experts believe that unborn babies, infants, children, senior citizens and people with heart or lung problems are at even greater risk for CO poisoning.
What Actions Do I Take if My Carbon Monoxide Alarm Goes Off?
- Evacuate all occupants immediately.
- Determine if any occupants are ill and their symptoms.
- Call 911.
- Do not re-enter the home without the approval of the fire department officers.
- Call a qualified professional to repair the source of the CO.
Protect Yourself and Your Family from CO Poisoning
- Install at least one carbon monoxide alarm with an audible warning signal near the sleeping areas and outside individual bedrooms. Make sure the alarm has been evaluated by a nationally recognized laboratory, such as Underwriters Laboratories (UL). Carbon monoxide alarms measure levels of CO over time and are designed to sound an alarm before an average, healthy adult would experience symptoms. It is very possible that you may not be experiencing symptoms when you hear the alarm. This does not mean that CO is not present.
- Have a qualified professional check all fuel burning appliances, furnaces, venting and chimney systems at least once a year.
- Never use your range or oven to help heat your home and never use a charcoal grill or hibachi in your home or garage.
- Never keep a car running in a garage. Even if the garage doors are open, normal circulation will not provide enough fresh air to reliably prevent a dangerous buildup of CO.
- When purchasing an existing home, have a qualified technician evaluate the integrity of the heating and cooking systems, as well as the sealed spaces between the garage and house. The presence of a carbon monoxide alarm in your home can save your life in the event of CO buildup.
[box type="info"]IF YOUR CARBON MONOXIDE DETECTOR ALARM ACTIVATES
Gather all family members together in a predetermined meeting place and check to be sure everyone is present.
Call 9-1-1. Leave the building immediately. Do not re-enter until responders say it is safe to do so.
Carbon monoxide is a product of incomplete combustion. Carbon monoxide is a colorless and odorless gas. There will be no smoke or haze to betray its presence. Exposure to carbon monoxide can be fatal.
Be sure to review the instructions included with your carbon monoxide detector. These instructions will familiarize you with proper mounting and operation of your detector. Did you know that there are specific sequences of beeps which denote varying conditions of your detector? Be sure to review your manual for these varying tones.[/box]


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OldUsedParts wrote::salut: Pard, there are a few places around here that sell them but, so far, I haven't located them
I get mine a 15 min drive away but I get for my son and a friend at the same time. I get large free range, out of a dozen I get around 8 double yolkers. The yolks are bright orange and just taste so better. I'm told my crime brûlée is better than restaurant quality, I know it's the eggs.


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When I was 13 years old, I was diagnosed with Non-Hodgkin's Lymphoma. Because my doctors found my tumor at its early stages, I only had to undergo 4 months of chemotherapy. I say only 4 months because every other child I met while getting treated at the Children's Hospital in DC experienced far worse conditions than I did. Many of them were not only younger than I, but also had to undergo more surgeries and harsher treatments for longer periods of time.
And although their physical conditions made them very weak, their spirits were unbelievably strong. It was from their courage and exceptionally optimistic outlook on life that I was inspired to give back.
I learned from them that no matter how bad things are, a negative attitude can always make things worse. At the same time, it is often within your power to make things better and find opportunity in every difficulty.
So, I stayed true to the UPS slogan, "what can brown do for you" and I got to work.
So after I finished my treatment, I began performing charity magic shows for the Children's Hospital, the Children's INN at the NIH, and the Make-A-Wish Foundation. I took to heart what Mark Twain once said, and learned firsthand that "the best way to cheer yourself up is to try and cheer someone else up."
Today, I am now a volunteer Wish Ambassador and Wish Grantor for the Make-A-Wish Foundation, helping to grant the wishes of children with life-threatening medical conditions in the Mid-Atlantic region.
In 2005, after my cancer treatments were over, the Foundation gave me a trip of a lifetime. It was early morning, and the foundation sent a limo to pick my family and me up. It was the first time I ever rode one. In fact, I didn't really understand what to do, so I actually rode in the passenger's seat in front....for those of you who aren't laughing, let me tell you a secret: You're not supposed to ride a limo like that.
Anyway, we then boarded a train to New York City, where we were greeted by a Wish staff member, who gave us a tour of the city and tickets to the Broadway show: Julius Caesar.After the show, they took us back stage, where we met the whole cast and crew. Then something happened that made my heart leap. I saw my reflection in the mirror.
But then I got a tap on my shoulder, and when I turned around, it was none other than the man I had wished to meet: Denzel Washington.
Needless to say I was awe-struck. He took us to his dressing room, where he spoke with us for about 15 minutes. And for those 15 minutes, nothing else mattered. Cancer was just another word in the dictionary.
My parents weren't thinking about the fact that they had almost lost their son; my sister wasn't thinking about all the pain she saw her older brother go through; I wasn't worried about all the scars and pain my surgeries left behind. All I was able to focus on was that very moment, and how my dream was coming true.
But that couldn't have been possible without the strong support and love from groups like BAE Systems. And it is because of the tremendous work and dedication of people like you, by simply showing up to events like this, which make this foundation such a huge success, and keeps ME motivated to stay active.
I want you all to imagine if we can provide the amount of joy that I had, to ALL children suffering from these types of life-threatening medical conditions. If we can do that, then there is nothing that these kids cannot overcome. And I know that from experience.
I've been through a lot in my short life. But I continue to stay positive and optimistic. Not in spite of my previous medical conditions, but more so because of them.
And anytime I'm feeling down on myself, I think, "Today is still better than yesterday, and tomorrow will be even better than today."
And that's all thanks to events like this, and people like you.
So, from the bottom of my heart, I want to thank you all for giving me hope and inspiration, and for helping dreams come true. Thank you!


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Media inquiries may be directed to:
Under this agreement, NLU will offer all five of Kendall College's degree programs - baking & pastry, business, culinary arts, early childhood education, and hospitality management - plus Kendall College's general education programs.
Currently, both NLU and Kendall offer early childhood education and business, as well as general education programs. Kendall's other three degree offerings represent new programs at NLU. As part of this agreement, Kendall and Laureate will provide financial support for NLU to create state-of-the-art facilities including kitchens, a dining room, and hospitality and culinary innovation space and classrooms on its flagship Michigan Avenue campus. NLU will create a third college within the University that will be known as the Kendall College of Culinary Arts and Hospitality Management at NLU.
"NLU and Kendall College share many important core values and a similar mission of providing access to quality higher education that prepares students for career success," said Nivine Megahed, Ph.D., NLU president. "After careful consideration, the NLU Board of Trustees has determined that this is an excellent opportunity to grow our institution's ability to offer additional professional pathways through established programs, serving more students and building stronger communities."
Paul Lussow, Kendall president, said "The Kendall College board and leadership want to ensure the best future for the college and its students. We believe this agreement with NLU represents a thoughtful solution for our current students to continue their education in Chicago at a long-standing institution with a strong mission and academic history, and we are also pleased that the Kendall name will continue."
Both NLU and Kendall have earned premier reputations for their programs and their dedication to educating students with diverse backgrounds and experiences. NLU is known for excellence in programs that focus on teacher preparation, business management, health and human services, and social and behavioral sciences. Founded in 1934, Kendall prepares students for careers in the culinary, hospitality, business and education fields, and is ranked as a top culinary and hospitality school in the nation. NLU serves more than 7,000 students per year on its six campuses in Illinois and Florida, and Kendall has approximately 1,000 students.
Eilif Serck-Hanssen, chief executive officer of Laureate, added, "This agreement honors Laureate's commitment to our students and their success by finding a partner that will continue Kendall's mission and legacy. It also reflects Laureate's efforts to simplify and focus our operations, while continuing to have a meaningful impact on the communities we serve."
Parchman, Vaughan & Company, LLC acted as financial advisor to Laureate.
© 2019 Laureate Education, Inc.
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The U.S. Supreme Court has struck again--this time overturning by a 5-4 decision, all statutes that apply the death sentence to 16- and 17-year-old murderers. Even if you are of a sympathetic nature and believe that the little 17-year-old darlings deserve to be rehabilitated, you might still find this Supreme Court opinion stomach turning for its sheer disdain of logic, public attitudes and American law.
Read Original at: Washington Times


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Patchroc C
Floor / pavement patch repair, fast set mortar (25 - 200 mm depth).
For the emergency reinstatement of localised patches in concrete pavements, airport aprons, access ramps, roadways and many industrial situations such as gangways and warehouse floors. Patchroc C is particularly useful where interruption to traffic must be minimised. The product is alkaline in nature and will protect embedded steel reinforcement. It may be used internally and externally. For the reinstatement of large areas of concrete pavements and floors, the use of Paveroc is recommended.
Technical Data Sheet
Safety Data Sheets
Additional Information
Enter postcode below to find your nearest store...


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These days I was inspired to a few Treasuries that express feelings I have...
First of all a new collection dedicated to the magical Aegean Sea...
One more Treasury was dedicated to the 4 Elements: Air Fire Water Earth! I'm a Libra (Air) born on the Scorpio cusp (Water), my ascendent is Sagittarius, my Moon is in Taurus (Earth) and I have 3 planets in Virgo (Earth)... so I have all these elements in me! And with this collection I wanted to celebrate them all!
My beloved mountains have then inspired this Alpine Treasury! I'm lucky enough to live literally at the feet of the Alps, so this collection is celebrating their beauty in summer time!
And, dulcis in fundo, this very special and meaningful Treasury...
Senza fine
Tu sei un attimo senza fine
Non hai ieri
Non hai domani
Tutto è ormai nelle tue mani
Mani grandi
Mani senza fine
Non m'importa della luna
Non m'importa delle stelle
Tu per me sei luna e stelle
Tu per me sei sole e cielo
Tu per me sei tutto quanto
Tutto quanto io voglio avere
Senza fine
La, la, la, la
Senza fine
"Senza fine" Gino Paoli


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As the States move one step closer toward online gambling regulation – or, at least, one step closer to approving legislation to study the impacts of online gambling and the feasibility of regulation (go Barney Frank!) – the UK Gambling Commission, aka The Commission, has just released more data resulting from a series of comprehensive surveys aimed at gauging gambling habits of UK bettors, as well as overall player demographics.
In light of the upcoming release of the 2010 Gambling Prevalence Study, which is a comprehensive analysis of gambling trends in the UK that takes place every three years, the most recent set of survey stats apply strictly to 2009, and essentially show nothing different than that of the 2007 Gambling Prevalence Study data.
Consisting of two questions – one pertaining strictly to remote forms of wagering, including computer, mobile phone and television online casino wagering, the other pertaining to all forms of wagering both on and offline – the survey engaged some 7,000 adult participants, over half of which had participated in at least one form of wagering over the past four weeks of being surveyed.
Not surprisingly, the most popular betting activity was the National Lottery, followed by scratch cards and charitable lotteries. The next most popular betting activities down the line were neither surprising to researchers, and included horserace betting, slot machines and private betting amongst close circles of friends and family. UK online casinos were not amongst the most frequented of gambling destinations.
If anything, the latter revelation regarding private wagering is most interesting. While this still shows that many bettors do not fully trust UK-based gambling operations, over 50% of survey respondents consider the UK gaming industry trustworthy as a whole (up slightly from 2008). Further revealing that gambling is being looked upon more favorably in the UK is a greater number of people (14% surveyed) associating gambling crime with addicts committing larceny, rather than organized crime and money laundering.
While this does not entirely paint a better picture of sentiments toward gambling addiction, it nonetheless shows that awareness of gambling crime is expanding and that organized crime is being effectively prevented and dealt with. Furthermore, gambling addiction is still within normal bounds, even as remote online wagering activity has seen a moderate increase of about 1%.
Certainly proving that online gambling can and is being successfully regulated and managed, UK Gambling Commission statistics will indeed likely serve as a comparative benchmark for US officials if and when legislation is passed to study and set forth online gambling regulations of its own.


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Throttle King EventsPosted in News on November 18, 2013
Wassup!? It's mid July and it's all good. Just like to set the timeframe for you. First off, I just gotta rant a bit. My big party events except for Bucked Up Saloon have now been canceled. My big yearly B-day bash . . . is off for now! At its original location, it seems there was too much hard partying, and the neighbors and law enforcement didn't appreciate it. It's just a party—we don't charge to get in and just try to have fun. So now I gotta scramble to find a new place for it come next January. Mudfest has also been put on hold, and it may be indefinitely. It was one of my largest party events, so we are looking for a new location to hold some of the best muddin' and partying around.
My largest parties all year are here in North Carolina. Twice a year at Lexington Muddy Playground. It's the only place other than Florida where I throw as wild as a party as I hosted with Club Mud at Mudfest. The neighbors basically got the place stuck in a zoning loophole with the county. I'd understand if it was like once a month, but it's only twice a year and they still freaked out.
It gets on my nerves because most of you guys know I don't make money throwing these events and parties—I spend it, which is fine because everyone has a great time and the company is moving in a positive direction and I'm getting closer to my goals. I live for getting up on stage, running the party, and getting the chicks to go wild for a night. But I'll keep pounding away, get our events back on track, and find new places.
On a more positive note, the Yukon Gear & Axle Throttle King Mega Truck Series is just as successful as it is awesome. Big props go out to all the racers throwin' down and the venues helping us host the huge events. I can't thank folks enough—seriously, thanks everyone! It's the people who help me make it all happen that keep me and thousands of other people in this Mud Life thing. We'll keep pounding away and getting the parties up and running again as soon as me and my crew can.
Make sure to hit up the Facebook page to see the pics and vids of the insane action, hot chicks, and parties we've had our hands in.
4x4cross, www.facebook.com/4x4cross


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36th Annual Humana Festival of New American Plays
The Humana Festival of New American Plays is the leading event of its kind, launching new plays into the national spotlight—right in your backyard!
Catch groundbreaking works that represent many generations, many voices and many views, including yours. The festival runs the gamut from comedies to dramas to plays that forge new theatrical territory. Combined with world-class design and performances, this celebration of American playwrights' innovation and imagination has something in it for everyone.
Click here to see the lineup for the 36th annual Humana Festival of New American Plays!
For more information on the 36th annual Humana Festival, including ticket packages, click here!
For Accessibility information, call the Box Office at 502-584-1205 or email firstname.lastname@example.com
Also On
Hershey Felder as Irving Berlin
January 29 - February 17, 2019
- Actors Theater of Louisville
- 316 West Main St.
- Louisville, KY 40202
- Box Office: 502.584.1205


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This new sample library now provides over 120 different orchestral instruments, 100 orchestral percussion instruments, several choirs and a large collection of special effects like orchestra hits, chords, scenes and more: The instruments are offering various sound characters to make this collection perfect for all musical styles. A perfect sound collection with extremely useful playability thanks to the perfect Controller assignment for all friends of the orchestral instruments.
A wide range of instruments to use for orchestral scores, movie soundtrack, modern pop and rock music as well as experimental styles. Including a large and fine creation of sophisticated Programs by using the Fusion's features.
The sample library content covers orchestral instruments from Clarinet, Oboe, Trombone to full orchestra string and brass sections and choirs. Additionally you can find special sound effects like Orchestra Hits, Swells and a huge orchestral percussion collection including Gongs, Cymbals, Timpani and many more. New version 4.0 also provides modern orchestra instruments which are typical for movie sound. The Program presets are designed with full Controller programming for a lively and virtous performance 362 Program Presets: Layers and single instruments. Sophisticated and very practical Controller programming for Control Knobs 1-4 plus Trigger buttons and SW Switches, Modulation Wheel, Aftertouch, Pitch Bend. 300 MB sample library, over 130 instrument samples, 100 orchestral percussion instruments. Archive Program Presets (additional library handling tool).
Complete content overview, click here:
Audio Track demo clip, click here:
Purchase directly from the developer
Copyright Klaus P. Rausch -Back In Time Records- Sound Research & Development. All rights reserved.
All prices incl. tax (MwSt.)
Shopsystem u. Shopsoftware von store-systems.de


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|Like A Boy
Sunglasses: Sportsgirl
Lipstick: Mac
Crop Top: Bardot
Jeans: Ksubi
Shoes: Windsor Smith
Clutch: Peter Alexander
After three months after putting my name on the waiting list I finally own the Ksubi 'boyfriend' jeans. It was an extremely long wait and I was sure I would be over them by the time they finally came in alas when I got the phone call last week saying they had arrived I was jumping for joy.
Boyfriend jeans are back in a big way and I feel they are here to stay (for a while). I have had sneak peaks at several designers collection for Winter 2013 and boyfriend jeans are making big appearances. Hooray! I will hopefully get good use out of them!
Since owning them for a week, and wearing them pretty much every day for seven days I have had many compliments on them. I fear that I may never wear any of my other clothes again! Everyone wants to get their hands on a pair. However, I feel it may be difficult as each store only receives one pair in each size. I am sure they have probably almost sold out of them again already! I do advise anyone wanting boyfriend jeans to put their name down for a pair and stick out the wait. They are the best ones around and sure to be a good investment piece.
I also love my black crop top which is embossed with black roses. It is almost quilted. Quite fantastic! It is extremely similar to a 'Josh Goot' crop top however without the exy price tag! Maybe one day I will be able to afford the real version! Worn with a white t-shirt underneath it gives it an edgy, different feel.
The other day KJ and I had lunch and coffee at 'The Counter' in Petersham. It is located in Audley Street a few doors down from newly opened restaurant 'Seed' (formerly Parama).
It has both outside and inside dining available. When you first walk in there is a counter lined with delicious looking sweet treats and a sign that says 'order your take away coffee here'. If you are having it there they do table service. Two thirds of the inside is made up of an open kitchen where you can watch the head chef slave away on your meal! The cafe is all class with light wood and white furnishings with quirky accessories such as coloured steel fold up chairs hanging on the wall.
|Regular Latte $3.5 Large Latte $4
They use 'air coffee' for their milk based coffees, a brand of bean I have never tried before. KJ and I ordered our usual lattes except I had mine in a take-away cup (it stays hotter for longer). The blend they used was called 'Windor' and was full flavoured. It had hints of cocoa, hazelnut and caramel. Delicious! For their single origin they use 'Coffee Alchemy' beans. Need I say anymore!
We shared the special which was a 'spinach and feta pie with two poached eggs and salad'. We asked them to hold the eggs as we felt it would be an egg overload as the pie already had enough egg in it! However, the lady next to us seemed to enjoy every last bite of her eggy goodness! The pastry was light, crispy and minimal and the filling was generous and perfectly cheesy. There is nothing worse than thick, soggy pastry full of an eggy mixture! The fresh salad of rocket and tomato with a lemon dressing was a great fresh contrast to the pie. We thoroughly enjoyed it!
|Spinach and Feta Pie $12
Other items on the menu included an extensive all day breakfast, home made sandwiches and salads for lunch. All of which looked devine!
Overall our bill came to $20 which is extremely reasonable. It was lovely to see that they lowered the price of the pie from $16.50 to $12 as we had no eggs. Often restaurants do not bother reducing the price, which in a way is wrong.
It seems the cafe is a hit amongst locals. It was completely full and the table next to us had been in for breakfast and had returned for lunch. Obviously they are doing lots of things right!
The Counter Cafe
96 Audley Street
Petersham NSW 2049
Overall: 8.5/10
Ambiance: 8/10
Coffee: 8.5/10
Food: 8.5/10


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Upcoming year we will have a severe clash amongst the items of the two Korean giants – LG G5 vs Samsung Galaxy S9. Each firms program to existing their new merchandise no afterwards than February. It should be noted that this year's LG G4, getting a top-stop smartphone and the most advanced goods on the …READ MORE


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Virtual tour
Biography Page by John Fricke
Photo Gallery
Related Links
Contact Me
Judy and Mike on tour (Judy hasn't travelled so much since the Carnegie Hall tour!)
July 24th, 2008. Well, little by little I am learning new things about Website building. I added a few new letters and changed the format of the photo album page. Please keep in mind this website is of what I have to share and about my experiences while traveling with Judy. Websites with photos of Judy have been done....and done....and done. My ongoing exposure seems to ruffle the feathers of the same few that always seem bothered by me. Oh well....
Wouldn't it be wonderful if we could all be a little more gentle with each other, and a little more loving, have a little more empathy...and maybe we'd like each other a little bit more...
March 30th, 2008. WOW...what an amazing month and a half with the new website. I am so happy to have received so many (literally hundreds) wonderful emails from Judy fans and friends from all over the world! I am happy to share with you and so thrilled that it makes a difference in your life. I hope you have the opportunity to view the collection for yourself one day. I look forward to meeting all of you wonderful people. No new updates at this time, except for a little "clean-up" and resizing of a few photos.
February 18th, 2008. Well, I finally did it. I expanded the website! I realize it could be better, but hey, it is BETTER than it was. As I want complete control with this hobby of mine, I decided to learn a little about web design (heck I only run four business'....of course I had some free time!). So here it is...a little peek into my world of Garlandia. I hope that you enjoy what you find. I realize I could have more photos of Judy and stories about her. However, there are some great websites that have all of that content. I wanted to offer something a little different. As I am well received when I exhibit, I thought I would offer a web site based on what I do. Will I impress everyone? Of course not. Will I make a difference in at least one person's life with what I offer here? I know that I will and that is my goal...to put a smile on a face...to make someone's life a little easier, if only for a moment.
I thank John Fricke for his continued support, and especially for his contribution to the website.
Michael Siewert
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Tom Selby, AJ Bell's Senior Analyst, explains how you can pay contributions in to your SIPP, your annual allowance, and how tax relief works.
View video transcript
So, you've successfully set up your SIPP and you've settled on your portfolio choices and investment strategy. But how much can you pay into your pension?
Hi, I'm Tom Selby, AJ Bell's senior analyst, and I'm going to walk you through just how much you can put into your pension each year, and throughout your lifetime.
Let's kick off with how much you can pay into your Self Invested Personal Pension, or SIPP, each year.
Tax reliefs on pensions are extremely generous compared to many other financial products. Tax relief is paid at your marginal income tax rate. So if you're a basic rate taxpayer, for example, for every £80 you put in, the Government will top it up with £20.
And it's a similar principle if you're a 40% taxpayer. You contribute £80 to your SIPP, and your SIPP receives a further £20. However, you can also claim a further £20 through your self-assessment tax return. This goes to you rather than into your SIPP.
Tax relief is limited by reference to your UK taxable earnings – this means your total pension contribution can't be worth more than your salary in any given year. So if you earned £28,000, for example, the most you could pay into your SIPP is £22,400. The tax relief would add a further £5,600 to take you up to a total SIPP contribution of £28,000.
You also need to be aware of the 'annual allowance'. This is the maximum you can pay before you incur tax charges, and is currently set at £40,000. So in practice, earnings permitting, you would contribute £32,000. The tax relief, once received, would take the value of the contribution up to the £40,000 limit. Care is needed though, because the annual allowance covers all contributions, including those made by your employer, to all schemes.
If you contributed more than £40,000, you may still get tax relief if you have sufficient UK taxable earnings, but you would pay a tax charge.
That is unless you can use the so-called 'carry forward' rules. This means that, if in one year you pay in more than forty thousand pounds, you can utilise any unused allowance from the previous three tax years provided you've paid in less than £40,000 in those tax years.
The picture gets even more complicated if you're earning more than one hundred and fifty thousand pounds, but bear with me! For every two pounds of "adjusted income" you receive above £150,000, your annual allowance falls by one pound. Once your adjusted income reaches two hundred and ten thousand pounds, your annual allowance is set at £10,000 for that tax year.
Adjusted income includes any employer pension contributions you receive during the tax year, as well as your others sources of income.
Alongside the forty thousand pounds annual allowance, SIPPs are also subject to a £1 million 'lifetime allowance' – effectively a cap on the amount of pension assets you can hold during your lifetime. If you have pension assets worth more than £1 million when you start taking money out of your pension after age 55, you'll be hit with some pretty hefty charges on the excess.
If you take the money as a lump sum you'll pay a fifty five per cent tax charge, or you can pay a twenty five per cent charge up front and then extra withdrawals will be taxed in the same way as income.
It might also be worth looking into 'fixed' and 'individual' protection, tools you can use to minimise tax charges if you're at risk of breaching the lifetime allowance. However, these come with strings attached, so speak to your adviser and review the rules before protecting your pot.
One final point in all this: these are the pension tax rules as we stand today. The Government has a nasty habit of changing and tweaking the rules in Budgets and Autumn Statements, but we will endeavour to keep you abreast of any changes that might affect you.
That is just a whistlestop tour of how the pension contribution rules work in the UK. You can find more detailed information via the AJ Bell Youinvest website.
Thank you very much for watching and happy investing.