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At the turn of every year, predictions are made about what the top trends for the next year will be. I contributed my own predictions to articles for a couple of companies, and we wrote up a synopsis of all of the most common predictions for our own blog.
In this post, I will go a little deeper on some of the top trends for advertisers and tell you how to take action today to keep your AdWords accounts in prime shape this year.
The trend for 2016 that most experts seem to agree upon is that audience targeting will drastically improve the PPC game for search marketers. AdWords grew into a multi-billion-dollar business because it offered hyper-specific targeting through keywords while figuring out a way to ensure ad relevance with Quality Score.
But it always lacked one key element: the ability to get personal by knowing something about the user looking at your ad.
When social networking took off, this shortcoming became more obvious because with Facebook you could target to an audience based on their interests, demographics and online behaviors — all things that AdWords couldn't do. While it wasn't necessarily better, it was different, and it exposed a gap in AdWords.
Google tried to answer by getting more personal with their users by introducing Google+, but it wasn't particularly compelling for advertisers who were more interested in doing better with their search ads than participating in conversations with prospective clients on social media.
Things started to change when Google added audience-based targeting with remarketing in 2010 (Yes, it's been around for that long!), then RLSA (remarketing lists for search ads) in 2013 and dynamic remarketing in 2014. Audience data could now be used to achieve better results on search by allowing for different bids, and even different ads.
One example of a great way to take advantage of these capabilities today is to add users looking for men's shoes and women's shoes on your site to different audience lists. The next time they do a search for a generic term like "running shoes," you can show different ads and use different landing pages — one for men's shoes and one for women's, depending on which list the person is on. Just make sure you set a pretty short duration for this audience list in case they're shopping for a significant other.
Another way to take advantage of audience lists is to decrease bids or entirely exclude audiences for a lead gen business when the user is already on the list of people who've given you their email address. There's no need to pay for the same lead twice, especially when that second time, they may be looking for how to contact you and they'd be just as likely to click on a local or organic result for your company.
Remarketing's big downside is that you can only build an audience of users based on what they do on your site. In my example about men's and women's shoes, advertisers have to make educated guesses about who their audience is, based on actions they've taken.
If I were buying my wife a pair of shoes as a gift and then constantly kept seeing ads for women's shoes, I'd be pretty annoyed, especially if those ads kept showing up after I had already bought shoes (Columnist Rebekah Schelfhout addresses some fixes for common problems with remarketing.)
Now, Customer Match has addressed this core problem by letting advertisers create audience lists based on email addresses. This means it's possible to create an audience from people who've signed up for a newsletter, from those who put their email address on a sheet of paper in your store or from users in your CRM (customer relationship management) system who've spoken to your sales team, even if they never visited your website.
This is a truly powerful addition to the keyword targeting capabilities in AdWords that can help advertisers move prospects down the conversion funnel. AdWords has always been really good at driving traffic at the top of the funnel, when users are starting to show interest in a topic, by doing generic searches like "beach vacation ideas," and at the bottom of the funnel, when they do specific searches indicating they're ready to make a purchase, like "four seasons punta mita offers."
Now, an advertiser can capture the email address of an interested user in an early site visit during an upper-funnel interaction, target those prospects with an email drip campaign, and then start a search campaign targeting only those users who haven't converted yet. Even if conversions happen offline, it's now easy to target the right audience by submitting the email addresses from unconverted leads in a CRM to AdWords.
Combining the best of keyword targeting with a reliable way to target users based on what you know about them creates a far more powerful system that enables you to execute on novel strategies. While it's not quite 1-to-1 marketing, it certainly gets us a whole lot closer to that ideal.
You should be doing this in 2016:
I have to admit I didn't call this out as a big trend for 2016 myself, but I've been talking about this theme for years, so I was pleased to see other PPC experts agree.
I presented my take on this theme in 2013 in a presentation about AdWords Scripts. I said that while automation is critical to the happiness and effectiveness of account managers, its big shortcoming is that it is often a cookie-cutter solution built to the lowest common denominator, hence not very good.
Most good third-party automation has settings to allow for some degree of customization, but those customizations are never limitless. When AdWords Scripts came along, all of a sudden it was possible for anyone with some coding skills to take an automation script that someone else built and tweak it to do exactly what they needed.
A good example from our Optmyzr toolbox is a big script I wrote to maintain all of the ad groups, keywords and ads for a campaign based on data in a Google spreadsheet. Our basic solution was generic enough to serve most advertisers, but it wasn't long before requests for customization started to come in.
Can the script create different ads depending on how many units are in stock? Can it set different starting bids depending on how far we are from the date our sale starts? Can we have different keyword templates depending on the product category? And so on. The answer was always, "Yes, take our script and tweak it."
I don't mean to suggest that these tweaks are easy, but it's often less work to modify existing code than to write it entirely from scratch and reinvent the wheel, or in this case, to write the function that knows how to create a new ad group, make sure there are no duplicate ads and so on. To make the script custom, usually all one has to do is put in a few simple if-else statements so that it does slightly different things depending on the condition.
It used to be that there weren't very many script writers out there, but now there are several really good ones, including several SEL columnists like Russ Savage, Daniel Gilbert and me. It is amazing to see all this great code that we can take and turn into exactly the solutions we've been looking for. Here's a recently updated list of great scripts anyone can use from Koozai.
You should be doing this in 2016:
Ads based on structured data saw lots of momentum last year, especially with the phenomenal growth of shopping ads that are based on the data in merchant feeds.
Google also made it easier to customize ads with business data through Ad Customizers or to use Structured Snippets for ad extensions. DSA is another example of structured data driving ads; in this case, the data happens to be Google's SEO index. I think this momentum will carry well into 2016 and beyond.
Here's why I believe this: Structured data frees up account managers' time to focus on marketing instead of constantly chasing down an ever-changing set of keywords, keeping ads in sync and doing tasks that are really best handled by computers.
It makes sense for advertisers with large accounts to offload repetitive account maintenance to automation while ensuring a more consistent campaign structure. Combining structured business data with templates that specify how to use this data helps achieve that consistency.
I also suspect we'll see continued growth of new specialty ad formats (like hotel ads and mortgage ads) that rely primarily on data feeds to decide when ads are shown, to whom, and what the ads will say. That way, advertisers can rest assured that they have all their bases covered and can spend more time manually optimizing areas of big opportunity.
You should be doing this in 2016:
We haven't yet done much with video ads at Optmyzr, but we know video can be a very powerful advertising channel. The reason many advertisers haven't done as much with video as they might want is that it was a separate area inside AdWords with some unusual settings that were hard to figure out for someone used to buying text ads and keywords.
Now, YouTube TrueView campaigns have become true AdWords campaigns, complete with ad groups and targeting options that mimic what we're used to from search and display campaigns, making things much easier to use.
I believe that this move by Google will start a virtuous cycle of more advertisers trying video ads. As Google gets higher coverage for existing inventory, they will follow with innovative ad offerings that will increase the opportunities for advertisers.
A recent innovation that illustrates this is that Google now shows PLA shopping ads on product-related videos. That makes total sense from a usability and relevance perspective, and I think we'll see many more great ways to use video for advertising.
Making video ads more similar to the PPC ads we're already used to also makes it easier for developers like me to extend some of our scripts and automations to the world of video. That, too, will make video advertising more appealing to a larger set of advertisers and drive Google to continue to innovate in this space in 2016.
You should be doing this in 2016:
This is old news — really old news, actually. Seven years ago, GigaOm said 2009 was the year of mobile, again. It's now 2016, and it's the year of mobile — again again. In fact, each of the next 10 years will probably be the year of mobile. As advertisers, we have to have a great mobile experience because that's where our prospects usually interact with us at some point during the conversion funnel.
The challenge we have ahead of us is to determine how we can measure and attribute results that are driven by mobile. Furthermore, that same challenge applies to offline conversions and micro conversions (those conversions that have some value, even though they're not sales). Google is changing the definition of the metric "Conversions," and it will now be a decimal field that measures how we attribute value to each click.
Google is helping by providing better data about different ways users convert, but ultimately, it's up to advertisers to connect Google's estimates to the reality of their business. This is a hard problem but one worth spending some time on because your competitors are.
If an advertiser decides to only count last-click conversions, they will be undervaluing their keywords compared to an advertiser who uses a more sophisticated attribution model, and that means that they won't be as competitive in the ad auction because they can't afford the same CPCs.
There have always been stupid advertisers on AdWords who overpay for CPCs and skew the auction, but eventually reality hits, and they have to cut back, restoring normalcy to everyone's ad rank. That annoyance will persist when advertisers come up with overly optimistic attribution models skewing the auction landscape.
Unfortunately, that's the nature of business, and advertisers will have to have their own attribution models right to at least avoid being the ones with bids that are far too high or too low.
You should be doing this in 2016:
So here is a recap of the 11 things I believe advertisers need to start doing today if they hope to keep their ads relevant in the fast-changing world of AdWords:
The post 11 Things To Do Now To Keep Your AdWords Healthy In 2016 appeared first on Search Engine Land.


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Private Catering
Smoke Yard Kitchen is available for private catering, bringing our relaxed street food style to your wedding, celebration and private or corporate event.
We serve your chosen menu from our own self contained gazebo, bringing with us everything we need to cook and serve the food to your guests, including our bio-degradeable food boxes, napkins and cutlery.
Please feel free to get in touch for further information on how we can be part of your event.
Look forward to hearing from you!

subset: commoncrawl


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*I'm a little over halfway (unless I decide to go a little longer)
*Cables are feeling a little less awkward and I'm no longer dreading rows 9 and 17.
*I'm loving the sheen that the linen gives to this yarn and the softness of the twist that gives it an almost pencil roving feel.
*I'm finding that holding a mental picture of me wearing the wrap is really helping to spur me on.
*I haven't shopped for buttons as I decided I'd like them to blend in and I can't be sure which place in the variegation I'll be at the final ribbing. So hopefully a trip for special buttons will take place next Saturday.
***And if all goes well I should be at the finish line on time- Sunday!
Here's a photo of the wrap so far.
And a photo to show off my "Olympic Blue" manicure which lasted all of one evening as doing the breakfast dishes and kitchen floor the next morning did it in. Also in the photo- I finally put a piece of ribbon on the magnet strip I use with charts. There was just paper covering the adhesive for so long till I saw this idea – embarrassed to say I don't remember where. I had ribbon on hand that reminded me of that "Olympic Blue" , and it will I think be a wonderful souvenir/reminder of Ravelympics 2010.
Did the bright blue and green Olympic banners and logos surprise anyone else?
Somehow looks more surfboard than snowboard to me-David says he thinks it works- and really likes it.


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Madden NFL (known as John Madden Football before 1993) is an American football video game series developed by EA Tiburon for EA Sports. Among the game's realistic features are sophisticated playbooks and player statistics, and voice commentary that allows players to hear the game as if it were a real TV broadcast.
When you play the Madden NFL, you always wants to take photos in the game. Don't worry, we have get a lot from the game. NFL is an amazing game. You need take heavy equipment to run all over the ground. Feeling that in these screenshots.


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Thursday, September 22, 2011
Thank you to Jillian from Catch My Party for featuring my God daughter, Reagan's 1st Birthday Luau! I really wanted to make this party special for her, something she could look back on when she's older & know how much her aunt Linda loves her! The awesome response I've received from you guys is an added bonus! xo
2 more shout outs!!!
~ I'm So thankful to Noelle & Kerry from Sweet Craft Cakes & also to Bottle Your Brand for featuring Reagan's Party! You guys are so SWEET!!!!
Posted by Linda Schwartz at Thursday, September 22, 2011
Labels: Catch my party, feature, party of the day
Subscribe to: Post Comments (Atom)


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ORCV Beyond The Bay program Commences Next Week - Session One To Be Held Monday 12 May 2014
Beyond The Bay Session One - Boat Preparation, Safety Gear & Technology
Where: Bells Hotel
157 Moray Street
South Melbourne, VIC 3206
When: Monday 12 May, 2014
7:30pm - 10:00pm
Note: Bells Hotel serves meals every night from 5:00pm, with all meals $15.00 on Monday nights. All Beyond The Bay participants are encouraged to meet upstairs in the Ball Room (main seminar room) for a meal and or drink from 6:30pm, to meet other members and share some great sailing stories, before the presentation commences at 7:30pm. Meals can be pre-ordered to save time on the night, by contacting Sally Williams at the ORCV Office on 03 9689 1622.
With more than 150 people attending our free Information Nights at seven different clubs around the bay over the last 4 weeks, the ORCV would like to take this opportunity to thank all of our host clubs, Royal Melbourne Yacht Squadron, Hobsons Bay Yacht Club, Royal Brighton Yacht Club, Royal Geelong Yacht Club, Sandringham Yacht Club, Mornington Yacht Club and Royal Yacht Club of Victoria, and all of the attendees for joining us to make these evenings very interesting and informative.
The feedback we received from every club was very positive and we are now looking forward to carrying this interest and enthusiasm through to the full Beyond The Bay program.
Whist registration for the full program has been very strong over the last week or so, there are still places available, so if you are interested in participating, you can REGISTER HERE .
If you would like to learn more about Beyond The Bay, you can visit our Beyond The Bay home page Here.


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A furious council leader has vowed to 'stick two fingers up to the government' after Broxtowe was announced as the council hardest hit by spending cuts in the whole country.
Leader of Broxtowe Borough Council, Milan Radulovic, explained that although the government had announced that Broxtowe would suffer a loss in spending power of 6.4 per cent - the highest funding cut in England - the cut in the revenue support grant was actually a crippling 15 per cent. In light of the announcement by the Department for Communities and Local Government, the Local Government Association said that the cut in central government grants amounted to an average of 8.8 per cent, and warned that town halls will be forced to consider cutting services as they slice an estimated £2.6 billion off their budgets for 2015/16.
However, Cllr Radulovic has vowed not to cut any jobs or services in Broxtowe and to protect the residents living there.
He told the Advertiser: "It is grossly unfair; Broxtowe is the worst treated government authority in the country.
"But I am sticking two fingers up to the government - I will be proposing a budget with no cuts to job or services."
Cllr Radulovic explained that he would achieve this through a low level rent increase and by taking money from the council's reserves.
He added: "The budget will continue to protect the people living in Eatwood and Broxtowe, to support the voluntary sector as much as possible, and supporting youth groups to give young people the best start in life."
Because these cuts mean that the government allowance per head in Broxtowe will dropped by £15.55 to £227.47, the council will be the hardest hit in the country.
Several councillors have already written to their local party minister to demand meetings and an explanation as to why their borough has been hit so hard.
In his speech to the House of Commons, Minister Kris Hopkins defended the cuts and said that they were vital to help pay off the national funding deficit.
He added: "We have yet again delivered a settlement that is fair to all parts of the country – whether north, south, urban or rural.
"English local government is expected to spend over £114 billion this year – around a quarter of all public spending.
"This settlement therefore recognises that local authorities continue to make a vital contribution to helping pay off the deficit."
Most of the funding for local authorities comes from the central government and a quarter of it is raised through council tax.
Ashfield is facing funding cuts of three per cent which is also higher than the national average of 1.8 per cent.
However, some areas have actually seen an increase in funding from the central government, with Tewkesbury receiving a 3.2 per cent increase and Surrey and Uttlesford a 3.1 per cent rise.


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900 W Orman Ave Pueblo CO United States 81004
For over 80 years, Pueblo Community College (PCC) has provided the education and training that gives our students the skills they need to qualify for good jobs or to transfer to a four-year school. We are a two-year community college accredited by The Higher Learning Commission. We are one of thirteen colleges in the Colorado Community College System, the fastest-growing educational system in Colorado. We offer more than 50 Associate Degree
programs, over 150 certificates, and we are a state leader in health care education.
If you are pursuing a four-year degree, PCC is a great place to spend your first two years of study. Our Associate of Arts and Associate of Science degrees are fully transferable to all Colorado public four-year institutions. We offer small classes, plenty of academic support, and highly experienced instructors who are focused on helping you succeed.
Pueblo Community College has four locations to serve students' educational needs. The main campus is located in Pueblo serving Pueblo County. The Fremont Campus, located in Cañon City, serves Fremont and Custer counties. Southwest Colorado Community College (SCCC), a division of Pueblo Community College, has two sites in southwest Colorado. SCCC West site is located on Highway 160 between Mancos and Cortez, and SCCC East site is located in Durango. The SCCC sites serve Archuleta, Dolores, La Plata, Montezuma, and San Juan counties.
At Pueblo Community College We Promise:
• To always recognize & greet you with a smile
• To listen to you
• To respond to your needs
• To respect & value you
• To celebrate your accomplishments & successes


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Exchange Program student are those who apply through an existing agreement between their university and el Tecnológico de Monterrey. In order to be able to apply for this program you must be nominated by your Study Abroad coordinator. In most cases, the college fee is paid directly at their home universities.
Independent Program student are those who do not need an agreement between their home university and Tecnológico de Monterrey since all tuition fees must be paid directly to Tecnológico de Monterrey. You can review our requirements at the Admission Requirements section. p>


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WALT: Read and say the correct word endings
Hi my story is about a little girl and her dad going on a roller coaster ride. When the little girl was going on the carriages her didn't want to go on it but she did, and her dad was so exciting. Then they got onto the top on the roller coaster. When they got to the top, the carriages went down the roller coaster as fast as it could and then dad was the one who was scared.


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The Colorado team's effort and quick growth is inspiring the whole company.
Denver, Colorado (PRWEB) August 10, 2016
Industry leader Marketplace Home Mortgage announced today further expansion in the Colorado market only six months after it entered the state, opening a branch in the vibrant Denver Tech Center.
Buoyed by positive response to its on-time closing guarantee, the company has more than doubled its Colorado workforce from 11 to 25. Marketplace recently hired industry leader Christi Milroy as Sales Manager to oversee the company's office in Westminster.
"In today's market, home buyers need an edge to help them win when they're making an offer on their dream home," said Marketplace Northwest Regional Manager John Showers. "Our outstanding customer service and on-time guarantee give them that advantage, which is why we have been able to achieve such incredible growth and customer acceptance."
The on time closing guarantee* ensures a mortgage will close on or before the new home's closing date, or both the buyer and seller will be entitled to compensation. Marketplace offers a suite of services to clients, like mortgage pre-approval to make them more attractive choices for home sellers.
"The Colorado team's effort and quick growth is inspiring the whole company," Marketplace CEO Keith White said. "They're proving that our enhanced services work well for customers, and the new branch is in good hands with Christi."
Milroy, who joins the company as a branch sales manager, brings more than two decades of experience to Marketplace. In her extensive career, she's developed marketing strategies, managed sales and service processes and emphasized training and teamwork among her colleagues, while achieving extraordinarily high customer service rankings.
New Office
Marketplace Home Mortgage L.L.C.:
6430 South Fiddlers Green Circle
Suite 300
Greenwood Village, CO 80111
Marketplace Home Mortgage L.L.C.
2861 W 120th Ave
Suite 200
Westminster, CO 80234
*For Terms & Conditions of the On Time Closing Guarantee, go to http://www.marketplacehome.com.
About Marketplace Home Mortgage:
Having just entered its 20th year of providing start-to-finish mortgage services to real estate professionals, builders and individual homebuyers, Marketplace Home Mortgage has built its reputation on competitive terms, and swift and accurate processing with no surprises. Each step is carried out by our experienced and highly trained staff who embrace the highest ethical standards under absolute transparency. Marketplace Home Mortgage is based in the Twin Cities of Minnesota, with offices in southwest Florida; Duluth, Minn.; Omaha, Neb.; Milwaukee, Madison, and Green Bay, Wis.; and newly opened offices in Sioux Falls, S.D. as well as Denver and Westminster, Colo. Learn more at http://marketplacehome.com, or on Facebook or Twitter. Reporters and Editors to schedule an interview with a mortgage expert in your market contact Robb Leer 612.701.0608 or robbl(at)leercommunication(dot)com.


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Seeking well educated decent groom - Lahore
- This item has been sold
- City: Lahore
- Country: Pakistan
- Age: 32
- Contact Number: 03356105604
- Posted on: December 22, 2016
AoA all readers!
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Is There a Link Between Artificial Intelligence and the Prevention of Violent Extremism?
This course examines the security implications of emerging technologies such as artificial intelligence, 3D printing, and block chain technology. The course also covers non-traditional issues such as health security and efforts to prevent of violent extremism.
Given the growing importance of anticipating emerging challenges, the course also covers the basics of strategic foresight and associated methodologies.
The course is designed for professionals (government and other organisations) working on the broad theme of international security, The course will also be of interest for private sector representatives working on risk analysis..
Geneva, Switzerland
CHF 1'500. GCSP Alumni qualify for a 20% discount.
Contact our staff for advice.
+41 (0)22 730 96 00
Find the course that is right for you


text: Forest Cobbler 121 Report post Posted October 19, 2016 I'm looking for some slightly larger skillet boxes that will fit a taller stern tankard. The 160mm high box that I've got is just that bit too short, it could do with being 165 - 170mm high really. I could also do with skillet boxes for 260mm tall champagne flutes. Can anyone suggest a stockist other than CB or Crystal Galleries? None of theirs are big enough. Thanks, Valerie Share this post Link to post Share on other sites


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Free shipping Chinese Yunnan Small Coffee Beans , China cafe tea green slimming coffee Arabica A Green Coffee Beans 908g (2lb)
|Shelf Life:
|730 days
|Brand Name:
|yunnan coffee
|Caffeine Type:
|Item Type:
|Coffee beans
Product Description
product details
the baby :
grade : AAA level2013 year 4 month in the nomhon ofreceipt of the type : o card ( arabica ) - - packaging : thickening plastic bags seal packing place of : production yunnan province baoshan city area book shop sales is yunnan small grain coffee beans , 100% yunnan small grain coffee . nishikori the savolinna coffee company planting base direct supply , welcome wholesale , large quantity congyou !
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Vonette Z. Bright, who with her husband co-founded Campus Crusade for Christ at UCLA in 1951 and built it into one of the world's largest Christian ministries, has died. She was 89.
Bright died of complications from acute leukemia Wednesday at her home in Orlando, Fla., said Alison Geist, a spokeswoman for Campus Crusade.
Bright and her husband, William R. Bright, spent more than half a century leading and building the ministry into a worldwide evangelical force with branches in 173 countries, 25,000 staffers and 300,000 volunteers.
The Brights launched Campus Crusade for Christ in 1951 at UCLA, about three years after they married. Their mission: win the campus today, win the world tomorrow.
The ministry's expansion included university campuses, a Campus Crusade Embassy in Washington, a film and video division that created a feature on the life of Jesus Christ and other ministries such as Athletes in Action and the Josh McDowell Ministry and Family Life.
Rising housing costs in California and a slow growth initiative in San Diego County led the Brights to move the organization's headquarters to Florida in 1989 where it continued to grow.
By 2000, the organization's staff had grown to more than 20,000 and it had an annual budget of $450 million.
Although Bill Bright was at the forefront of the ministry, his wife's influence also contributed to the rise of Campus Crusade.
Vonette Bright was born in Coweta, Okla., the eldest of four children. She attended Texas Woman's University, where she received a degree in home economics.
She married Bill Bright on Dec. 30, 1948, shortly after graduating.
Bright had struggled with her faith in college, even as she was engaged to her husband, according to her online biography.
But that changed one day in Los Angeles while praying. She said she envisioned herself standing on the edge of a diving board. "I did not know whether or not I could swim, but I knew I had to jump — and I found out that I could swim," she wrote. "From that day on, God's direction in my life became a reality."
In the late 1980s, Bright helped petition Congress to designate the first Thursday of every May as the National Day of Prayer. She served for almost a decade as a chairwoman of the National Day of Prayer Task Force. Today, the movement includes more than 2 million people in 30,000 observances around the country, according to the organization.
In 1993, she launched Women Today International, a radio ministry to offer spiritual guidance to women. She also served as chairwoman of Bright Media Foundation, which produces the ministry's writings and teachings.
Vonette Bright is survived by her three sons, grandchildren and her brother and sister. A memorial service is planned for Jan. 8 at First Presbyterian Church of Orlando.
The Associated Press contributed to this report.


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Address: 5194 Mearns Rd
City: Duncan
Province: BC
Postal Code: V9L6W3
Main Intersection:
Allenby Rd and Trans Canada
Phone: 250-746-7532
Fax: 250-746-1025
Email: email@example.com
Owner: Ron Mellson
CSN Member Since: May 2015
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Monday-Friday 8am-5pm
Family owned and operated since 1965
Schedule an appointment online with CSN - COWICHAN today!
Our mission is to be the leading provider of quality and safe collision repair and outstanding customer service.
"After pulling away from a tall parking curb I had some damage done to the front end of my car. The service department at Duncan Nissan referred me to Cowichan Collision. So I stopped in there expecting to make an appointment, but they took my vehicle in right away and took it apart to have a look. They called me into the shop to show and explain to me what options there was to fixing it. After agreeing to the required work, it was fixed promptly with amazing results. All the staff were welcoming, friendly and very professional. I'll definitely be returning here the next time I need any work done on my vehicle. An overall great experience."
"Amazing service from everyone on their team! They managed to make our old beast of a van look new, and do the work quickly too. Thanks for making smooth courtesy car arrangements for us too. You guys are The Best!"
"I was so happy when I drove away to day in my car. The service I received at Cowichan Collision was excellent and Ron and his staff are super friendly and helpful. They went beyond my expectations and it is so appreciated."
"The only place I will take my vehicles. Staff are great at helping go through the process and my vehicles always come out amazing."
"I don't know if they if they knew if was my birthday or not, but I truly felt like I was gifted. As expected the customer service from the staff was fantastic, but I expect that as it should be something every company strives for and has a good grasp on. What really blew me away was going above and beyond for their customer. They did a fantastic job with the fix, and went beyond what I originally said to do. The quality of the work, attention to detail, and the initiative to do what was needed from the staff who worked on the truck was amazing, I couldn't thank him enough. Also, they dared to clean the inside after my two boys have had their way with it for a while. I cringe with thoughts of what the staff may have found. They also organized my rental vehicle. So I didn't have to do any of that myself. Overall my experience was the best I have ever had with anybody or mechanical car shop. Thanks again team!!!"
"Thank you to the guys at Cowichan Collision and the friendly ladies behind the counter!!! They had my dirty mom car while I was away on holidays and fixed it up just perfect! High quality work on the outside and a surprise detailing on the inside! Just one side was having body work done but they somehow made the entire car look new again, even the tires! I had a separate claim to have the windshield replaced and they went out of their way and took it to the glass shop for me. Thanks again!"
CSN Cowichan is an I-CAR Gold Certified Facility
The Gold Class® recognition is the highest role-relevant training achievement recognized by the collision repair industry. It is estimated that only 20% of repair shops currently meet the rigorous Gold Class standard. The I-CAR Professional Development Program™ provides collision repair and insurance businesses with a reliable training framework for acquiring Gold Class and maintaining the up-to-date knowledge and skills that contribute to proper repairs, improved business performance and risk reduction.
Canadian Collision Industry Accreditation Program
CCIAP is run by and for the Canadian collision repair industry. The program is managed by AIA Canada, a national association which reaches the entire industry.
The ARA's Certified Collision Repair Gold status is a proof that customers are dealing with an industry leader. The GOLD PLUS LEVEL certification requires the most up to date training, equipment and tecnology to perform repairs of any complexity, bringing your car to a pre-accident condition in a timely manner.
Being ProFirst Certified increases our collision centre's rating and shows that we are committed to a complete and correct repair for our customer's subsequent safety. As a ProFirst Certified shop, we have the tools, equipment, training, knowledge, and other resources to do the job right.
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There are many things to consider before getting your vehicle fixed. Does the repair facility have the right certification? Is the technician qualified to do the job? Does the facility use authentic OEM parts? Will your vehicle be restored to its pre-accident condition in a timely manner? This Mopar Certified Collision Repair Facility guarantees that the answers to the above questions are always yes!
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To face accelerating technological change, Ford owners are more aware than ever of the importance of having the right collision repair performed in order to restore their vehicle back to manufacturer specifications. And, the best way to ensure the vehicle's fit, finish, durability, value, and safety is to have the repairs made with the right parts, by Certified Collision Repair Providers who have invested in the right tools, equipment, and training.


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Explore the most popular trails near West Middleton with hand-curated trail maps and driving directions as well as detailed reviews and photos from hikers, campers and nature lovers like you.
Nice little diversion waiting for soccer
It was a nicely maintained trail. There is good elevation change for an 'easy' rated trail. The fact that it was a loop is a big plus.
The only downside to the location is that there is no parking lot. It is a quiet road that you need to park on, so not a deal breaker.
Did you know there is a National Park and a State Park in Cross Plains? Well, neither has developed into a true park yet. Start from the Old Sauk Pass trailhead (walking south) there is a locked gate and an information board. Walking toward the buildings -- they were formerly the Wilkie farm. The barn looks nice, while "US property" signs remind you this is now purchased by NPS. The trail basically circles around abandoned fields, with an open view and a chair on top of a hill. Crossing Old Sauk Pass road (walking north), you enter the state park side. Trials run along and above the Wilkie Gorge, which is a snaking valley with dolomite outcrops. On this snowy day the forest is simply surreal and quiet.


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DAY EIGHT #daysofgratitude22:20
13 MORE DAYS. This morning I got woken up by the alarm, and honestly I'm so happy to say that my body clock has been improving — I'm now sleeping at 1am every night instead of those ungodly hours at 3/4am hahah. This is why I've also been forcing myself to get up from my bed before 11am everyday, slowly but SURELY.
I've been a little obsessed with peanut butter and granola on toasts recently, partly because I need to clear all my ekeziel toasts in the freezer before I fly off. But trust me, the combination's AMAZING. You get the salty and flavourful taste from the peanut butter and the crisp from the granola. SO MUCH YUM. So while I was eating breakfast I also caught up with the latest episode of Cheese in the trap, one of the few dramas I'm currently watching. I really love seeing Seol and Baek In Ho together because In Ho has such a great personality heheh. I paused the video halfway through because I needed to head out for my spray tanning appointment, and yes I went to SPRAY TAN hehe. It was so AWKWARD exposing so much skin to strangers (those beauticians working there haha) and honestly I was just screaming for help inside hahaha. I'd say, it was quite an experience because it was my first time. I doubt I'd do it again since it wasn't cheap but well, firsts are always worth it!
After I got home I stuffed myself with sushis and steamed buns, because god I was STARVING. I left the buns in the steamer with high heat and just when I was about to lift the handle up to check if it was cooked, I saw a young cockroach frantically scrambling on the handle. It was probably trying to escape from the unbearable heat but found no safe exits hahah. It occured to me once again that no living beings would want to die if they had a choice not to, and the small action from a young roach reminded me something so valuable — As simple as it is, It only wanted to live. So I took a paper tissue and put it under the handle, and the young roach took my silent orders and followed along. I brought it to the table top and it hastily went off to somewhere. I hope it lives well.
I finished the remaining half of the episode and started a new drama called Madam Antoine, and I think it's going to be pretty good. After I was done watching I headed to Paya Lebar to get some snacks for my grandparents, uncles and aunt before heading down to my Grandma's. On my way there I texted one of my favourite girls (not going to divulge the name) and heard some bad news, which got me pretty torn and helpless at that moment but I really, really do hope that everything would be alright for her. It just pains me so much to see others in pain, especially people I love. Everything's going to be okay. Now I just got back home, and I am going to finish an episode of the new drama and head to bed.
Oh and, here's how I look with my new tan! The first thing everyone asked me after seeing me today was, "WHY ARE YOU SO BLACK!" Hahahaha I just love being tanned. Tomorrow's going to be a whole day of resting, hopefully more tanning, and a day of writing letters and packing. Goodnight beautifuls.


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Latitude: 52.4733 / 52°28'24"N
Longitude: -1.9458 / 1°56'44"W
OS Eastings: 403776
OS Northings: 286158
OS Grid: SP037861
Mapcode National: GBR 5PC.77
Mapcode Global: VH9Z2.7358
Entry Name: Parish Church of St Augustine of Hippo
Listing Date: 21 January 1970
Last Amended: 20 July 2009
Grade: II*
Source: Historic England
Source ID: 1076255
English Heritage Legacy ID: 217386
Location: Birmingham, B16
County: Birmingham
Electoral Ward/Division: Edgbaston
Built-Up Area: Birmingham
Traditional County: Warwickshire
Lieutenancy Area (Ceremonial County): West Midlands
Church of England Parish: Edgbaston St Augustine
Church of England Diocese: Birmingham
Parish Church of St Augustine of Hippo
(Formerly listed as:
Anglican Church of St Augustine)
(Formerly listed as:
(Formerly listed as:
An Anglican parish church in a C13 style, built in 1868, by Julius Alfred Chatwin (1830-1907); extended by the addition of a tower and spire to the south in 1876, also by Chatwin. The narthex porch was built in 1968 to a design by Philip Boughton Chatwin (1873-1964).
MATERIALS: The church is built from rock-faced sandstone with limestone banding, and plain clay tile roofs. The interior walls are sandstone and limestone ashlar.
PLAN: The building includes an aisled and clerestoried nave, transepts, apsidal chancel, and a later lean-to narthex at the west end. To the south side, the base forming the south transept, is a tower and spire.
EXTERIOR: The church has stone elevations set on a slightly projecting plinth of larger stone blocks. The four-bay nave has a steeply-pitched roof with lean-to aisles and clerestory above. The bay structure of the aisles is expressed by buttresses with two off-sets; between them are three-light windows with cinquefoils in the tracery. The clerestory windows above are spherical triangles with alternating tracery in cinque- and sex-foils. The north transept has diagonal buttresses a high three-light traceried window, and a spherical triangular window set in the gable. The north-east vestry, adjacent to the north transept, has diagonal buttresses and a very tall pavilion-type roof, hipped. The chancel has a polygonal east end, with diagonal buttresses with two off-sets, and gables. The two-light windows have various tracery. To the south, the tower, which also forms the south transept, has gabled angle buttresses. The tower is in three stages. The lower stage has a three-light window with tracery. The tall bell-stage has high, two-light louvred openings. This stage is surmounted by crocketted pinnacles. The third stage is recessed, and supports a delicate corona, which marks the transition between the tower and the slender spire above. To the west, there is a lean-to narthex with a gabled entrance, housing paired doorways with attached columns and a tympanum with relief panels showing scenes from the life of St Augustine.
INTERIOR: The main entrance is by the west narthex porch; it has a crown-post roof structure and polychrome polished stone floor. The interior of the main church is of sandstone ashlar with limestone banding. The nave has a false hammer-beam roof. The four-bay nave arcades are formed from pointed arches carried on round piers with detailed foliate and floral capitals, showing plants from all seasons. The attached columns at the east and west ends of the nave also have human heads personifying the seasons. The roof trusses spring from elaborate corbels with clustered columns and carved figures of the Apostles. The north transept houses the baptistery, designed by George Pace, with stone bench seating and a recessed circular font of rough-faced limestone. The south transept and part of the south aisle are occupied by the Lady Chapel. This is divided from the body of the church by a timber screen, made by Robert Panchieri. It has carved and pierced decoration. The chancel has a painted angel ceiling, polychrome tiled floor, and much rich carved decoration, which is continued throughout the church; the carving is by John Roddis of Birmingham and members of the Bromsgrove Guild. The apsidal east end has a canopied reredos with deep relief of the Last Supper, flanked by blind Early English arcades with cusping, crenellation and other embellishments. The choir stalls and pews are of hardwood, the choir stalls with decoratively-carved ends. The pulpit, situated at the foot of the chancel arch on its north side, is of carved stone, with deeply-cut relief panels showing the Sermon on the Mount, Moses and St Augustine; it is reached by an integral stone stair.
SOURCES: Foster, A, Pevsner Architectural Guides: Birmingham (2007), 239; Pevsner, N and Wedgwood, A, The Buildings of England: Warwickshire (1966), 165; History of the County of Warwick (Victoria County History), Volume 7: City of Birmingham (1964), 384; 'The Parish Church of St Augustine of Hippo' - introductory leaflet
HISTORY: The wealthy suburb of Edgbaston developed throughout the C19 from about 1810, under the auspices of the Lords of the Manor, the Gough-Calthorpe family. Large numbers of middle-class houses were built, with new roads laid out periodically. By 1851, houses had been built along the main route from the city centre, the Hagley Road, as far as Rotton Park Street. As the population grew, so did the need for places of worship, and the Church of St George was consecrated in 1838, and the Church of St James in 1852. In 1864, Joseph Gillott, a successful pen manufacturer who lived in Westbourne Road, and owned land immediately to the north of the Hagley Road, resolved to instigate the building of a new church, as the existing buildings were no longer able to accommodate the 18,000 residents of Edgbaston. He discussed the siting of the new church with J A Chatwin, the foremost ecclesiastical architect in the city; Chatwin suggested the creation of an island site just north of the Hagley Road, from which a new straight road (now St Augustine's Road) would run. The site was donated to the church authorities, and £9,000 was raised in subscriptions for the cost of the building. Chatwin won an open competition for the design of the church, and the building, dedicated to St Augustine of Hippo (then comprising chancel, nave, aisles and north transept) was consecrated by the Bishop of Worcester in 1868, as a chapel of ease to the Church of St Bartholomew, Edgbaston. The tower and spire were added in 1876, at a cost of £4,000. A stained glass window depicting St Augustine was donated by the congregation and set in the south transept, under the tower. A parish was assigned to St Augustine's in 1889, formed from part of the parish of St Bartholomew. A Lady Chapel was created in the south aisle and transept around 1930, divided from the body of the church by a pierced timber screen carved by Robert Panchieri. During enemy action in 1940, the window depicting St Augustine was lost as a result of bombing, but was replaced after the war, though with a catalogue design mistakenly showing St Augustine of Canterbury rather than St Augustine of Hippo. In 1964, a baptistery was created in the north transept, designed by the renowned mid-C20 church architect George Pace (1915-75), including a new font to his design. To celebrate the church's centenary in 1968, a new narthex porch was added at the west end, to an earlier design by P B Chatwin, nephew and colleague of J A Chatwin.
The Anglican Church of St Augustine of Hippo is designated at Grade II*, for the following principal reasons:
* The church is a high-quality design by J A Chatwin, the foremost church architect in the region in the second half of the C19
* Its exterior shows clear quality in its proportions, massing and detailing, particularly the tall tower and spire, with its delicate corona and rich embellishment
* A narthex added to the west, to the design of P B Chatwin, adds to the interest and variety of the exterior
* The quality of craftsmanship is very good throughout the building, both inside and outside
* The interior has extensive, high quality and rich decoration, including a painted chancel ceiling, botanical and figurative carving by Roddis of Birmingham and the Bromsgrove Guild, and glass by Hardman and Co
* The interior is enhanced by the creation in the 1960s of a north baptistery by George Pace
This text is from the original listing, and may not necessarily reflect the current setting of the building.
Book cover links are generated automatically from the sources. They are not necessarily always correct, as book names at Amazon may not be quite the same as those used referenced in the text.
Source title links go to a search for the specified title at Amazon. Availability of the title is dependent on current publication status. You may also want to check AbeBooks, particularly for older titles.
Other nearby listed buildings


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Place names have been anglicized only in the title of each record for ease of searching, and following the groupings of deeds made by Lumby. The spellings used in the deeds have been preserved subsequently. Forenames have been anglicized, but surnames have been spelt as in the originals. It is not possible to trace a strict chronology for changes in spellings as many are used interchangeably. The following list gives examples of family and place names that occur in varying forms throughout the deeds:
- Norris: Nores, Norres, Norens, Norrens, Noreys, Norreys, Norrays
- Molyneux: Molyneus, Molineus, Molyneux, Molineux, Mollyneux, Mollineux
- Speke: Spek', Spec'
- Woolton: Wolueton, Wolwinton, Wolweton, Woluinton, Wolleton, Wolton, Woleton, Woletun (with Much Woolton appearing as Magna, Mekil, Mekyll etc, and Little Woolton appearing as Parva, Lytyll, Litill etc.)
- Liverpool: Lythirp'l, Liverpull
314 deeds of the Norris family of Speke Hall, Lancashire, found amongst the Fleming records at Rydal Hall, having come into the possession of the Flemings through the financial difficulties of Sir William Norris (d. 1630). The original envelopes, on which Mr. W.G. Collingwood wrote more detailed abstracts than those given on his final list, have been kept with the deeds.


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If you have other moving ideas or wish to share your experience, please share in the comments section below . . .


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Elias Frost has teamed up with a couple of other artists to finish up his month of German-language show song covers in a big way! Probably one of the coolest interpretations of this track, the use of different language vocals help this one stick out a lot. The vocals from Ice Gaze are sung in English however, which means there's a bit of both in this track! The instrumental is pretty solid too, and a lot heavier than some of the other recent stuff Elias has done. Make sure to check it out below!
Music: Daniel Ingram - BATS (Elias Frost Cover) [feat. KamMer JaEgEr & Ice Gaze] [Metal]by ExplodingPonyToast
Monday, November 28, 2016 op 9:00 PM
Labels: Acoustic, Cover, Media, Metal, Music, Music: Vocal, Not-Fanfiction
For archival purposes, you can find the IntenseDebate comments for this post (if any) archived over here
Music: Daniel Ingram - BATS (Elias Frost Cover) [feat. KamMer JaEgEr & Ice Gaze] [Metal]


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Alternative Titles
Japanese: ADAMAS
Type: Manga
Volumes: 11
Chapters: 111
Status: Finished
Published: Mar 27, 2007 to Aug 26, 2014
Genres: Action, Drama, Supernatural, Seinen
Authors: Minagawa, Ryouji (Story & Art), Oka, Eri (Story)
Serialization: Evening
Score: 6.741 (scored by 54 users)
1 indicates a weighted score. Please note that 'Not yet published' titles are excluded.
Ranked: #122942
2 based on the top manga page. Please note that 'R18+' titles are excluded.
Popularity: #18238
Members: 238
Favorites: 0


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112 12769 72nd Avenue
THIS IS A SHOW HOME! You will love this completely RENOVATED, SPACIOUS & QUIET end unit. ALL NEW: dark wood floors in the living room, dining and kitchen areas, stylish new carpet in the bedrooms, designer paint colours, new cabinet doors, counters, tile, lighting, baseboards, blinds and fixtures, and all NEW Stainless Steel appliances! In-suite laundry has room for a pantry. The large Master Suite has a fabulous walk-in closet and private en-suite with an oversized shower. The fully fenced, private patio opens onto treed greenspace, and huge west-facing windows flood the home with natural light. Fully rainscreened and well maintained, with gas and hot water included in strata fee! Walk to shopping, bus & Newton Athletic park.
|112 12769 72nd Avenue
|Residential Attached
|November 2011
|West Newton
|Royal Lepage Wolstencroft


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Posted 8 September 2017, 1:53 pm EST
I have a fpcontrol on a winform. On the form is a timer. I'm hoping there is a way to scroll the list 1 row at a time every time the timer fires. I found the ScrollToNextRow in the help, but counldn't figure out how to call it from the timer. This will be based totally on no user input just the timer firing.


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Four Junction City Blue Jay wrestlers placed in the top three of their weight class at the Shawnee Mission Northwest Invitational on Saturday.
According to JCHS Athletic Director Junction City finished 4th out of 14 teams in the tournament.
For the Blue Jays Terrance Adeleye finished first at 182 pounds, Max Bazan second at 132, Matthew Whitton third at 126, and Kenson Henderson third at 220 pounds.


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Progress in Biomaterials is a peer-reviewed open access journal published under the SpringerOpen brand. It is a multidisciplinary, English-language publication of original contributions and reviews concerning studies of the preparation, performance and evaluation of biomaterials; the chemical, physical, biological and mechanical behavior of materials both in vitro and in vivo in areas such as tissue engineering and regenerative medicine, drug delivery and implants where biomaterials play a significant role.
Approved by Ministry of Science, Research and Technology.
Related subjects » Biomaterials
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Renovation Tips
If you are planning on some home remodeling Markham being done, then you will definitely need to have a plan. A lot of people seem to go head first in to their renovations without actually having a properly planned out situation ready with them. There are a lot of things that can go wrong and a great many ways in which you can end up wasting money and resources on your renovations.
So to save you from that happening, we will be talking about the various ways you can plan out the home renovations to make sure they go by smoothly.
First of all you have to plan out your budget. Now this may seem like a moot point to be making, but it is important to remember. A lot of people end up spending more than they wanted to or more than they even have because the budgeting for the renovations was not done properly. You can talk to people who have done this before, window shop for ideas and to compare costs, look up different contractors online and review their work and price, and check the internet for different cost effective ideas for people who are renovating.
You should also try and keep in mind the differences between having a classy look and having a trendy look. Renovations let people do a lot to their homes and many people use it as a time to express themselves creatively. However, make sure what you are doing is not simply a trend that could end after a while. The classic looks that have been around for ages will probably end up staying classy, but a fashion trend or a fad will fade away pretty quick. Making sure your renovation is one that ages well is very important when redoing the house.


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BlackRock is trusted to manage more money than any other investment manager in the world, helping millions of people and the world's biggest institutions and governments reach their investing goals.
Source: BlackRock. Based on $5.98 trillion in AUM as of 12/31/18
Closed-end funds ("CEFs") are actively managed mutual funds that trade on an exchange like a stock. CEFs can play an important role in a diversified portfolio providing the potential for income and capital appreciation.
Essential CEF data
CEF press releases
CEFs are typically listed on a major exchange such as the New York Stock Exchange which provides the benefit of intra-day liquidity for investors.
The "closed" structure allows portfolio managers to access a broader opportunity set including less liquid investments that offer higher income and return potential.
CEFs can borrow money to increase exposure to investments with the goal of enhancing income and capital appreciation potential.
Learn more about closed-end funds
BlackRock has over 25 year of experience managing closed-end funds and, as of June 30, 2017, advised a registered closed-end family of 73 exchange-listed active funds with approximately $46 billion in assets.
Primarily invest in tax-exempt municipal bonds and may utilize leverage to enhance income potential. BlackRock offerings include national and state specific funds.
Invest in one or more fixed income sectors and may utilize leverage to enhance income potential. BlackRock offerings include investment grade, high yield, bank loan and multi-sector funds.
Invest in stocks and may utilize an option overwrite strategy to enhance income potential. BlackRock offerings include domestic, international and global and sector specific funds.
BlackRock believes that CEFs can offer investors a strong income stream. However, there may be some misunderstandings in the market around them.
Myth #1: A CEF is a standard mutual fund that is closed off to new investors.
Truth: Mutual funds and CEFs do share some commonalities, but there are important differences. Unlike a mutual fund, for example, a CEF trades on a stock exchange in the secondary market and typically does not redeem or issue shares on a daily basis, and a CEF is able to issue debt and preferred shares.
Myth #2: A CEF is an exchange-traded fund (ETF).
Truth: CEFs share traits with ETFs, but there are notable differences. CEFs are actively managed by a team of professionals, whereas ETFs are passively managed and track an index, like the NASDAQ or Dow Jones Industrial Average. In addition, unlike an ETF, a CEF is able to issue debt or preferred shares.
Myth #3: High return of capital percentage is destructive for CEF returns.
Truth: Return of capital is a complex tax concept. CEFs can use return of capital to lower investor tax obligations but it's just one consideration of suitability for that CEF. We advise care and due diligence around all variables when assessing the suitability of a particular CEF investment.
Myth #4: Share price performance is the best indicator of a CEF's return.
Truth: BlackRock believes that price performance overlooks a large portion of a CEF's total return, but it is often the main metric offered on financial statements. Also, we believe that only by looking at a CEF's total return do investors get a clear picture. Total return takes into account any change in the CEF's share price, as well as any investor distributions received.
Like any investment product, closed-end funds offer opportunity but also come with a number of risks, some of which are listed below.
For a more complete description of other risks relevant to a particular Closed-end Fund, please see such Closed-end Fund's filings with the SEC.
Learn more about the closed-end funds market with our monthly newsletter.


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A series of talks based on Don't Believe Everything You Think given at Sravasti Abbey's monthly Sharing the Dharma Day starting in March 2013. The book is a commentary on The 37 Practices of Bodhisattvas.
Having gained this rare ship of freedom and fortune,
Hear, think and meditate unwaveringly night and day
In order to free yourself and others
From the ocean of cyclic existence—
This is the practice of Bodhisattvas.
- Introduction to the text and the talks
- The precious opportunity we have, it's purpose and how to take advantage of it
- What it means to hear, think and meditate and their importance in integrating the teachings into our experience
SDD 01: Precious human life (download)


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If you read my blog previously,you might read my Sephora Beauty Bag review and sure saw this Dr.Jart+ BB balm.After testing this BB cream for the first time,I have decided to review it.Like me,guess many of you are interested to try it too,right?I know so many people love it,but I just have mixed feelings about this BB.Hope you guys don't mind.
What it is:
A one-step balm that perfects the appearance of skin while protecting it from the sun and environmental factors.
What it is formulated to do:
A moisturizer, sunscreen, and treatment serum, this all-in-one product also includes advanced brightening properties. Ideal under makeup, its natural looking coverage minimizes the appearance of imperfections and evens the skin tone.Antioxidant bio-peptides and adenosine protect skin from harsh environmental factors while restoring firmness and elasticity.
What it is formulated WITHOUT:
- Sulfates
- Synthetic Fragrances
- Synthetic Dyes
- Petrochemicals
- Phthalates
- GMOs
- Triclosan
What else you need to know:
This lightweight formula includes mineral sunscreens to provide broad spectrum sun protection from both UVA and UVB rays. Skin is left looking smooth, perfect, and natural.
My Opinion:
*It works like foundation or more than that to me.When I put the cream first,it looks whitish on my face but slowly it observed the texture.
*It does moisturize the face ( you can feel that!!)
*Doesn't cover blemishes (etc) that much though.(had to use the primer,concealer!)
*Doesn't stay for long time.After 4-6 hours later,I feel like it makes my face greasy and oily;blot me a lot.(had to apply one more coat again!)
* too pricey than other BB cream.
*Overall I give this BB balm 6/10 (not bad/not good)
BTW, my skin type is combination to dry.
|feeh!my ugly face!! :p
Let me know about your opinion.Did you tried this BB Balm?IS it work for you??
Have a great weekend.


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Lenders advertise their lending products by their typical APR (Annual Percentage Rating). The typical APR for a particular lender is the interest rate that they offer at least 66.6% of their customers.
How does APR affect my loan search?
Comparing APR on loan products is traditionally seen as a good way to compare lenders. However, comparing like-for-like products according to APR is difficult because there are so many influencing factors that make up the rate that you, as a borrower, will be offered. Typical APRs offered for unsecured loans and secured loans will be different; when comparing loans based on APR you cannot compare secured with unsecured loans as the APRs do not correlate.
When you apply for an unsecured loan with a lender, the APR offered to you will depend on a number of factors. The most important thing is your personal history of borrowing and credit rating. This is closely assessed by potential lenders as an indication of the risk associated with lending to you. If your credit rating is high, you may be offered a very competitive APR close to, or even lower than, the advertised typical APR. However, if your credit score is less than perfect you may find that you only qualify for much higher interest rates, or may be refused altogether, especially when applying for unsecured loans. This is because if your credit history is poor you present a higher level of risk to the lender, and this risk will be offset with a higher interest rate.
If you apply for a secured loan, your personal credit rating is less of an influencing factor on APR, as you are providing collateral for the loan to reduce the risk on the part of the lender. This is why many borrowers with poor credit scores find their best chance of finding an affordable loan is through a secured loan.
Financial lenders want to retain their low typical APR because this is the first and foremost way that they are compared with their competitors. In order for them to be able to advertise their APR as, say, 6.9%, they must offer this rate to two thirds of their customers. If very few people actually qualify for this rate due to imperfect credit ratings, instead of offering higher interest rates and compromising their low typical APR, large quantities of applications will be declined. In fact, our research shows that over 85% of unsecured loan applications will be declined for this reason. For this reason, if your credit rating is less than perfect, your best chance of securing an unsecured loan may be to apply to lenders whose typical APR is slightly higher than the most competitive rates, because the lending criteria regarding potential borrowers may not be so stringent.
What to keep in mind about APR when searching for a loan
Some important things to keep in mind when comparing loan products based on APR include:
- Consider the loan length you are being offered. APR is figured annually, so the longer the loan length, the higher total loan cost you will pay. Generally the best option is to repay the loan as quickly as possible, but shorter loan terms often equals a higher APR than the typical advertised rate.
- Is the APR fixed or variable? Most unsecured loans are offered as fixed rate loans, allowing you to control your budget as your repayments remain fixed for the duration of the loan. Often secured loans are variable rate, following changes in the Bank of England base rate. This allows you to take advantage of any interest rate drops during the loan term, but also means that your repayments will rise if the base rate goes up during the life of the loan.
- Check carefully for any conditions associated with the loan. Some financial institutions may offer a low introductory APR that then rises after a set time. It is important to check what your total loan cost will be overall, as it may rise to a very high rate after the introductory period and you may find it cheaper to go with a slightly higher APR from the start in the interests of keeping your total loan cost as low as possible.
- Always investigate charges for early settlement of the loan. Some lenders offer special loan rates for flexible repayment products, so that the loan can be repaid early, and regular overpayments are able to be made. These typically run at a higher APR; loans with low APR may often charge expensive fees for these options, so if these options are important to you, you may be better off going with a higher APR.
- Some lenders offer optional payment breaks during the loan term, which can affect the APR offered. If the chance to take payment holidays is important to you, loan products offering very low APRs may not include this option. Also check if there are compulsory payment breaks at the start of the loan; this will add to your total loan cost as interest is usually charged from the start of the loan.
- Check out any insurance premiums included with the loan as whether or not they are included may alter the APR offered to you.
About the author: Barry Davis writes for Your Insurance Quote, a personal finance products comparison service. Some of the articles covered on his site are saving money guides covering topics such as insurance and loans.
Image license: Lusi; RGBStock royalty free license


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Robert joined the Center in August 2011 as the outside spending and PACs researcher. In 2012, he started CRP's Politically Active Nonprofits project, which tracks the financial networks of "dark money" groups, mainly 501(c)(4) and 501(c)(6) organizations. In 2014, he won, with colleague Viveca Novak, the Society of Professional Journalists' Sigma Delta Chi Award for Public Service in Online Journalism for a series of stories published on OpenSecrets Blog. Robert has a masters in U.S. foreign policy from American University. Before coming to Washington, D.C., he lived, studied and worked for several years in France and Taiwan, traveling extensively in Europe and Asia. He is originally from Charleston, SC.
AJS Revenues Plummet in 2013 While Leader's Salary Quadruples
A new IRS filing from Americans for Job Security, a Republican dark money organization that spent heavily in the last election, foreshadows a likely theme of 501(c) groups' financial reports covering the year 2013 as they are sent to the IRS in coming weeks. Many of the groups that were awash in funds in 2012 — spending hundreds of millions of dollars without disclosing their donors in the 2012 elections — will report steep drops in revenues for 2013.
AJS' most recent Form 990 tax return, obtained by OpenSecrets Blog, shows that the group raised just $817,975 — a very steep fall from the more than $51 million it brought in during the preceding year, and the second lowest revenue figure AJS has reported in the last 10 years. The 990 covers the period Nov. 1, 2012 to Oct. 31, 2013, which is AJS' fiscal year; 501(c) organizations have 11 months after the end of their fiscal year to file their reports.
Despite this year's precipitous tumble in fundraising, the group's president, Stephen Demaura, has reason to celebrate. AJS upped his salary from $134,490 in 2012 to $535,392 in 2013. For comparison, consider that Demaura's combined salary over the preceding three years — when AJS brought in nearly $65 million — was just under $430,000.
Another way to look at it: DeMaura's salary took up 65 percent of the funds AJS raised last year, and that's not even his only source of income. As we reported in July, Demaura has joined a polling firm called Vox Populi Polling with Mary Cheney and her colleagues in another network of politically active nonprofits.
AJS had a very big year in 2012, and not necessarily in a good way. The money was flowing like never before, but the group was a participant in a series of transactions that California authorities referred to as "campaign money laundering." The case ended in a settlement and record fines for two AJS grantees — one of which received tax exempt status from the IRS despite its heavy political spending and its involvement in the scheme.
AJS itself spent nearly $15.9 million on political activity, the bulk of which went towards ads opposing President Obama's re-election, according to reports filed with the FEC.
In all, of the nearly $48.2 million in spending AJS reported to the IRS in 2012, about $42 million of it went out the door as grants to other organizations — the majority of which would ultimately end up in California — or as direct political spending at the state and federal level.
With the elections all wrapped up, AJS spent the off-year in a fundraising desert, but this isn't new for AJS, which always has raised and spent the vast majority of its funds in election years. Over the last 10 years, in fact, more than 91 percent of the nearly $95 million that AJS has brought in was raised during election years. The group's average election year revenues come in at about $17.3 million, ten times higher than the $1.7 million it raises, on average, in off years.
Election year fluctuations aren't unusual for organizations seeking to mobilize the public and make their pet issue a part of the election debate, so the ebb and flow itself isn't remarkable. But the magnitude of the gyrations suggests AJS' core activities are more tied to elections than to the general promotion of any particular trade or business sector.
And AJS isn't alone. While most nonprofit organizations struggle to maintain a steady level of funding or rejoice at an increase of a few percentage points, some organizations see boom and bust years with revenues wildly divergent from one year to the next. These groups also happen to organizations that engage in significant political spending during election years, all without disclosing their donors to the public.
Take the American Future Fund. OpenSecrets Blog showed last year that this group, which has no employees and uses a mailbox in Des Moines as its address, has raised $103 million in the five years since 2008. Ninety-six percent of those funds were raised during election years.
AFF has ranked among the top spending nonprofits active in federal elections for the last three cycles, reporting more than $25.4 million in political spending to the FEC in 2012. But it has never raised more than $2.6 million in an off year.
Neither 501(c)(4) social welfare organizations nor 501(c)(6) trade associations disclose their donors to the public. Unlike their (c)(4) counterparts, though, (c)(6) organizations such as AJS don't even report their funders to the IRS. Technically they don't have donors, but dues-paying members. Demaura has said his "number-one promise" to members of AJS is keep their names out of the public eye.
The definition AJS uses for membership is loose. Any individual or organization that gives money to AJS is a member, and all members, Demaura told California investigators, "state their level of giving that they would like to take part in."
Tax experts contacted by the Center for Responsive Politics said that the expanding and contracting membership revenues of a group like AJS is not something that the IRS would see as a violation of 501(c)(6) status on its face. The group simply must be able to make a compelling case that the majority of its activities in on- and off-years — regardless of fluctuations in its revenue stream — went towards non-political activities, it is probably safe.
Though AJS describes all of its donors as dues paying members, it's important to note that none of the group's known donors, uncovered by the Center for Responsive Politics, have ever described their grants to the group as "dues." For example, when Crossroads GPS gave AJS $2 million in in 2012, it listed the purpose of the grant as "social welfare." Other donors like the Center to Protect Patient Rights, the Wellspring Committee, and Freedom's Watch, which have provided millions of dollars over the years, have described their contributions as general support.
Oddly, the filing also seems to relegate the group's 2012 grants to the memory hole. The $26.3 million it passed along to groups like the Center to Protect Patient Rights and the Taxpayer Protection Alliance appeared as "0" on the line of the Form 990 that requests summary information from the previous year.
Demaura has not responded to requests for comment from the Center for Responsive Politics.


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For some of the visitors of Saturday's annual Cato Days, the festival was a chance to learn about the origins of Crawford County and the people who settled it. For others, it was a chance to visit the town in which they were raised and take a trip down Memory Lane.
For some of the visitors of Saturday's annual Cato Days, the festival was a chance to learn about the origins of Crawford County and the people who settled it. For others, it was a chance to visit the town in which they were raised and take a trip down Memory Lane.
Founded in 1854 in what were then Cherokee Neutral Lands, the town of Cato is considered to be the first town in southeast Kansas, according to an article published in Southeast Kansas Magazine. It once had a post office, a general store, a shoe shop, a harness shop, the county's first grist and saw mill, a tavern and inn, and the county's first coal-mining operation. The town was a stop on the overland stage route in the 1880s, and the road is still visible today.
Over the years the town has slowly disappeared, and all that remains of it are a stone one-room schoolhouse, a church and a stone bridge on the stage route — area Boy Scouts are currently rebuilding it. Several decades ago John Spurling, an area farmer/stockman, began leading tours of the town and local cemeteries, said Susie Stelle, chairperson of the Cato Historical Preservation Society and sixth generation descendent of Cato residents. Stelle said she began going on tours with Spurling in 1985, and then every year after that.
"People started to think I was his girlfriend," Stelle laughed.
This year's festival was the biggest so far. On Friday, area residents and living history re-enactors welcomed nearly 500 students from Pittsburg, Frontenac and Fort Scott to the festival. The students moved among multiple stations and learned what school was like more than 100 years ago, how to make arrowheads out of flint, how to work with leather, how a blacksmith fires tools, what weapons were used in the Civil War and some of the games children of the era played.
"This is one of the nicest festivals we've had," said Keith Coonrod, whose father, Richard Coonrod, 76, is the oldest Cato resident and one of the last to go to school there before it was consolidated into Arma. "Each year it gets a little better and more organized.
Saturday's event drew visitors from as far away as Wichita, Arkansas, Texas and Georgia. Michael Thompson and his wife, Beth, left Thursday from Alma, Georgia to attend the festival. Their son, James, his wife, Elizabeth, and her sister, Anna Swank, re-enact what life was like for teachers and students during the height of the one-room school era.
"This is very unique," Thompson said. "You don't see anything like this in Georgia. The closest thing we have to it is communities will celebrate a farm commodity. We have a blueberry festival. Others will have peanut festivals."
James, Elizabeth and Anna are all teachers. They got into re-enacting after Anna researched one-room school houses for a high school paper and found out about the historical society's gatherings.
"We just like the history," Elizabeth said.
James agreed.
"It's fun seeing how things have changed over 150 years; how the teachers acted, how the students acted," James said. "I'll just say there were some advantages and disadvantages."
Visitors learned about Cato history early Saturday morning, and were treated to various demonstrations by re-enactors, including a shoot-out between Missouri border roughians and Kansas lawmen. They also listened to the schoolhouse presentation and roasted hot-dogs and marshmallows over a fire. The main attraction was a scenic hay ride to two local cemeteries; the Large Cemetery and the Trogdon Cemetery.
"They represent all the early families of southeast Kansas," Stelle said.
The Trogdon Cemetery was named for the Reverend Ure Trogdon and his son, Samuel, who were both killed on the same day in 1865.
"They were digging a well, and Samuel didn't come up," said Joe Bournonville, a member of the CHPS board. "Ure went down and he was also killed. They had hit a pocket of gas, and it killed them."
The Large Cemetery was name for the school that used to sit on the property. It has a special meeting to Keith Coonrod.
"The school used to sit right there on the crown of the hill," said Coonrod, whose family moved to Cato in either 1855 or 1857. "My dad's lot is right where the merry-go-round used to be. He always said he's going to be buried right where he used to play."