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Infrastructure and Project Financing Asia Pacific Scenario. Ajay Sagar
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1 Infrastructure and Project Financing Asia Pacific Scenario by Ajay Sagar This article was originally published in the June 2006 Global Infrastructure Report of Project Finance International Magazine The views expressed in this paper are those of the author and do not necessarily reflect the views or policies of the Asian Development Bank. 1
2 Asian policy outlines The lack of adequate infrastructure capacity in Asia Pacific has hindered development and led to a consensus that private investment including foreign investment and reforms are required. Ajay Sagar writes. While the will to amend these tribulations has frequently surfaced, few solutions have been realized to find an effective cure to help promote investment in infrastructure projects. This new business model proposes innovative and efficient mechanisms to consider a blend of private finance initiatives (PFI) and public private partnerships (PPP) and engage in development of local currency financing solutions through capital markets and currency swaps to meet the infrastructure development needs of the emerging economies of Asia-Pacific. Essentially, this will be the crucial recipe for project finance initiatives and in doing so, will set emerging economies on a path of sustainable development. In light of hard lessons learnt after the Asian financial turbulence, stakeholders are now, more than ever, actively following future directions of the financial markets in support of project financing for sustainable infrastructure development. To meet these demands, governments and multilateral agencies are positioning themselves strategically to play a leadership role by constantly addressing the challenges that still exist. Challenges in project financing Infrastructure development has huge potential in developing countries of the Asia-Pacific region. Emerging economies in this area need billions of dollars in private funding to spark infrastructure investment. However, the classic problem of supply and demand puts forth an obstacle while the demand for infrastructure investment is enormous, these economies have failed to attract a supply of private investment in infrastructure projects. This lack of ventures in building adequate infrastructure can be attributed to weak tariff regulation, reluctance in honouring concession commitments, inconsistent enforcement of laws, corruption, poor governance practices, lack of availability of longterm local currency financing at fixed interest rates, weak accounting and disclosure norms, and weak securities legislation. As the problem persists, investors are now reluctant to take currency mismatch, interest rate and refinancing risks. Traditionally, commercial banks have been the suppliers of long-term financing in Asia and in doing so they have heavily relied on short-term deposits to meet their funding requirements. Such a practice, especially in a weak banking environment, exposes the banking sector to systemic risks. A testament to these issues is the large number of infrastructure projects in Asia that were financed in hard currency and later struggled with the adverse impact of Asian financial turbulence and required restructuring. We are all aware that the real cost of the Asian financial crisis was in the form of reduced lending volumes, and 2
3 investment in infrastructure, rises in unemployment, increases in government debt and a sharp reduction in GDP growth rates. In support of private sector-led infrastructure growth, a healthy banking sector and developed local capital markets play an important role. Now, private investors and project lenders are hesitant to make continued commitments for fear of government intervention and breaches of contractual obligations. Another related risk that investors and lenders bear is the enforceability of obligations of host governments, especially with reference to concession arrangements, and they would like to see this mitigated. Unfortunately, uncertainty remains about how courts in developing countries will treat sovereign and subsovereign contractual obligations. This is an issue in new markets, until market standards and legal precedents are clear. At the same time, countries across the region now recognize that private capital is urgently required in the infrastructure sector to meet targeted growth rate projections. There is an urgent need for developing and implementing a new model to replace the traditional methodologies for project financing as market players now desire bankable solutions for infrastructure project financing. Public-private local currency financing model First, there has been an emerging need to review, on a sector-by-sector basis, the strengths and weaknesses of the processes that were used in the past to implement infrastructure projects. Beyond this analysis, it is imperative to then develop bankable versions of these models, ideally backed by the fundamental willingness and ability of customers to pay rather than rely on government guarantees or public sector assurances. In this process of change for the better, viable tariff structures that are affordable by users for the entire life of a project need to be planned to meet the requirements of all stakeholders. Second, there are many lessons to be learnt from the Asian financial turbulence caused in borrowers must avoid currency and maturity mismatches. Infrastructure projects require long-term financing in the currency of the revenue of the project, and such financing often requires fixed rates of interest. In the case of any adverse movement in the exchange and interest rate of the local currency, an open currency and interest rate exposure will be detrimental to the interests of a project's beneficiaries, users, lenders and sponsors. Experience suggests that the pass - through of sustained devaluation in the tariff structures becomes a credit risk for lenders and investors and we are all aware that incomes of consumers do not go up automatically when either devaluation or an interest rate hike takes place Third, governments need to ensure that projects are awarded based on competitively bid least-cost proposals rather than awarding project concessions on unsolicited proposals with embedded commercial risk. Such undesirable propositions tend to be politically generated without regard to rigorous financial analysis to determine their sustainability in the absence of major increases in user charges or government guarantees. Finally, commercial banks have been the sole provider of credit for all types of borrowing requirements. There has been an over-reliance on the banking sector for longterm funding as no 3
4 alternative mechanisms have been made available. Banks have limited capacity to provide long-term funding as they rely on short-term deposits for their funding sources, thereby creating a duration mismatch. Alternative lending mechanisms including long - term local currency funding mechanisms need to be created in place of the traditional reliance on bank credit using short-term deposits. One such mechanism is accessing capital markets. Commercial and Investment banks working together with rating agencies can play a useful intermediation role in this activity by providing structuring and underwriting assistance. With the benefit of hindsight and the lessons learnt, we now need to move towards building up a new model to develop bankable projects with capital markets acting as new sources of finance. Infrastructure project financings require a mix of public-private arrangements and such projects need to be backed by strong public-private partnerships, the critical role of improved regulation and governance, the adoption of viable and affordable tariffs valid for entire life of the project, and the fundamental willingness and ability of consumers to pay, instead of government guarantees. Essentially projects must be viable through full cost recovery. Simultaneously, regulators in developing countries need to pay attention to issues relating to corporate governance practices, the adoption of sound accounting and disclosure practices, transparency standards, corporate social responsibility, environment management, and development of capital market infrastructure to generate investor confidence. In implementing this new model, local capital markets can play an important role in providing infrastructure project finance. State of markets and future directions The financial markets are witnessing a convergence of the banking, insurance and securities industries. Based on the lessons learnt, the institution best placed to originate a project financing in the form of a loan may not necessarily be best placed to bear the risk. In several emerging economies, more reliance is now being placed on providing access to capital markets to fund large and capital intensive infrastructure projects requiring financial assistance for long durations. Banks may thus no longer be lenders of first resort but remain lenders of second resort by providing liquidity support to boost investor confidence. It is often mentioned that Asian banks have too much of short-term liquidity. However, this liquidity may not necessarily be backed by adequate capital. Also, investment of such short-term liquidity in long-term assets could expose the investing banks to market risks should interest rates start moving upwards. Banking regulators are now creating an awareness of the market risks among banks by undertaking stress tests of the banking system. Recently, one of the developing member countries of ADB undertook such a stress test of its banking system and discovered that a 1% increase in secondary market interest rates in the government bond yield curve could wipe out 0.6% of the capital in the banking system. Maturity transformation of deposits is important and has to be achieved in a gradual manner through the creation of a sound capital market infrastructure. It is now widely acknowledged that developing long-term, fixed-interest 4
5 local currency lending options would promote sustainability and affordability in infrastructure projects. High tariffs resulting from currency mismatches or increases in short-term floating interest rates are a major risk in user-pays or pass-through structures, where projects are exposed to unhedged risks. Introduction of local currency financing solutions in infrastructure projects strengthens their viability. Local capital markets are crucial for efficient resource mobilization and investment. Local bond markets can supplement the requirements of infrastructure projects by providing additional risktaking capacity, which commercial banks are unable to provide. Market players working together are now moving towards an underwriting and sell model for project financing. Central banks, policy makers and securities regulators are now pushing for deep and liquid capital markets. And here the definition of capital markets is much wider, so as to include swap markets, bond markets and equity capital markets. Countries are now desirous of developing all three main components of capital markets. It is imperative to develop swap markets, which are crucial for the development of fixed income markets. Thus in terms of sequencing, swap market development has to be undertaken in parallel with bond market development. Countries are now aware of the major issues and challenges, such as a lack of market depth for local currency and underdeveloped legal, political and institutional infrastructures for local capital markets. Getting financing strategy right is one of the things that define a well conceived infrastructure project. Getting it wrong invariably leads to exposing the project to undue risks that may have farreaching implications and may make projects unsustainable in the long term. Lending to infrastructure projects entails two types of risks, namely political risks and commercial risks. And in promoting project financing solutions each party involved in the project, be it the government or the concessionaire or the financier, is required to take the risk that it is capable of taking. For this purpose, a proper understanding of the role of the parties involved, including the potential role governments and multilateral agencies can play to promote private investment in infrastructure, is very necessary. Role of government Priorities are now evolving to attract private sector investment in infrastructure. There are comparative advantages of public and private sectors. The role of government in promoting infrastructure investment has changed in character but not diminished. While governments are keen to attract private sector participation in infrastructure development, they still need to play a key role in planning, policy, and regulation. The reason that infrastructure industries have remained so long in the public sector is that they have components that are natural monopolies. The role of the government is to develop independent regulatory mechanisms, as such mechanisms are preferred by investors and lenders. Also, we need to encourage governments to maintain and strengthen their role in strategic planning of infrastructure sectors and in the process identify where private sector participation should be encouraged and the level of complementary support that should be provided. Governments should also be encouraged to consider PFI and PPP approaches as these structures will 5
6 introduce competition and innovation in procurement, speeding up of the rate of implementation by improved access to private sector resources. Private sector participation without a well-developed regulatory and legal framework increases the level of risk to investors - and the cost of infrastructure projects ultimately paid for by consumers. Governments need to anticipate future bottlenecks and make timely strategic decisions to prevent capacity shortages in the infrastructure sector. At the same time, governments can speed up the privatisation process. Public ownership is neither necessary nor the best way to ensure full and equitable access. The basic objectives of autonomy, accountability, transparency and predictability have been difficult to achieve. Yet enforceability and sanctity of both sovereign and sub-sovereign obligations, including municipal obligations, is important to generate investor confidence. Role of ADB ADB is in a position, and is willing, to play a significant role by collaborating with market players. As a multilateral development institution, ADB's mission is to promote economic growth through the development of infrastructure and capital markets in its developing member countries, thereby reducing poverty. More information on ADB's financial assistance programme in the infrastructure sector without sovereign guarantees is available on its website ADB has in place equity, loan and credit enhancement instruments including guarantees to provide intervention to address key concerns of sponsors, investors, and the banking community. ADB thus plays the role of an honest broker and is more demonstrational and catalytic in nature. ADB's dual capabilities of having public and private sector operations under one roof offer important synergies. This combination enables ADB to deliver 'comprehensive development solutions' to a wide range of challenges. Supporting infrastructure development Under the traditional model of infrastructure creation, finance used to be regarded as an ancillary function. But in the wake of attracting private investment and structuring sustainable infrastructure projects that are financially viable, finance needs to be at the heart of an infrastructure project's overall strategy. In the context of promoting local currency financing alternatives, ADB is taking a leadership role in developing local capital markets in the region to provide long-term funding for capitalintensive infrastructure projects. In a path-breaking initiative, ADB has recently introduced a new mechanism for injecting long-term local currency financing in the targeted sectors that are necessary for economic growth. Under this initiative, ADB will swap its hard currency for local currency with its developing member country for tenors stretching up to 15 to 20 years. The local currency will in turn be lent to infrastructure project developers, sponsors, and financial intermediaries without sovereign guarantee based on an acceptable credit rating from an international credit rating agency. The role of the host government under the swap intervention is that of a facilitator. A cross-currency swap is materially different to offshore borrowing. The former simply changes the currency composition of the cash available with the host government during the life of the swap. A crosscurrency swap undertaken by a developing country is not a public debt. 6
7 CROSS CURRENCY SWAP VS OFFSHORE BORROWING Item Cross-currency swap Offshore sovereign borrowing Accounting treatment Form of documentation Creates a contractual obligation to meet swap counterparty commitment ISDA documentation is executed between swap counterparties Creates a debt obligation Loan agreement Front-end costs Generally not associated Generally associated in the form of arrangement fee, underwriting fee and commitment fee. Availability of additional cash No. A swap simply changes the currency composition of the cash held by the host government. Yes. Macroeconomic stability Promotes macroeconomic stability Funds so borrowed maybe used for financing fiscal deficit. Counter party risk Creates a counterparty risk. And in case of swaps with ADB, the host government takes counterparty risk of an AAA rated multilateral institution. Not created. Cross Instead a borrower and a lender relationship is created. Balance sheet size Does not increase Increases with the amount borrowed. Number of legs Comprises two independent legs, a hard currency leg and a local currency leg Comprises of one leg denominated in hard currency. The transaction remains neutral in a manner such that the increase in foreign currency funds available with the government is offset by a corresponding decrease in local currency funds and upon maturity of the swap at a future date the decrease in foreign currency funds is offset once again by an increase in local currency funds by same initial amount. Accounting guidelines also materially differentiate the financial and reporting treatment of a cross-currency swap and an offshore borrowing. The size of the balance sheet goes up in the case of offshore borrowing whereas by undertaking a crosscurrency swap the size of the balance sheet remains unchanged. Governments are now keenly facilitating discussions among market participants on this important initiative. Such an action on part of governments is necessary and timely. Conclusion In conclusion, the issues mentioned above as 'challenges' can be, and are being, addressed through the recognition that there is a need to shift to a new best practice model for infrastructure development by creating public-private partnerships. There has to exist a close co-operation and 7
8 partnership among host governments, project sponsors and financiers based on a better and more mature understanding of the needs of each party. Last, new and innovative instruments from private and public sector players working together can help reduce the infrastructure financing gap. ADB has been at the forefront of this groundbreaking and effective initiative to increase the resources available for project financing in the infrastructure sector. The bank's core mission is to support infrastructure and financial sector projects in its developing member countries by providing longterm financial assistance and sound advice on regulation, governance and competitive solicitation. Essentially, this financing model restructures the project finance blueprint to make it more efficient and accountable an imperative necessity to witness success in sustainable infrastructure development in emerging economies. Ajay Sagar is Head, Private Sector and Financial Services Group in the ADB s Private Sector Operations Department. 8
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Main Content
Talks at West Michigan .Net University 2009
An Introduction to SQL Server
David Giard 12 RecommendationsApril 4, 2009 5:00 AM
Want to learn about the SQL Server 2008? Want to build normalized data models and learn Transact SQL? Join us in this Introduction to SQL Server session to get a good introduction to building your own data models and queries.

subset: commoncrawl


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0 Flares 0 Flares ×
1514 Clover Avenue, Orange Park, FL
$ Click for current price
3 BEDROOMS | 2 (2 full ) BATHROOMS | 1589 SQUARE FEET
- Follow This Home!
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Property Description
Remodeled brick home, Inground Pool just refinished and the deck has been completly redone aswell. Kitchen has new Staninless Steel appliances, with beautiful wood floor and prep island with sitting area and storage. New windows, doors, rounded courners on walls enlarged skylight in family room with fireplace for cozy evenings. New 30 year roof the home has a open floor plan and a formal dining room. great for family, and entertaining. Move in ready all walls are nutral colors.


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Free Bus
We are really proud to be a genuine Scottish Borders company and looking after our local Members is our number one priority. As the Borders covers such a wide geographical area we recognise that it isn't always easy for our Members to drive to the Clubs or use public transport especially during the Winter months. That's why we decided to put on these regular bus services all year round especially for our Members. ***********
Free Buses to The Pavilion Bingo Club in Galashiels
From Chirnside to the Pavilion – We run free bus service to the Pavilion Bingo Club in Galashiels on Tuesday nights.
Pick ups 17.45 Chirnside Crosshill 17.55 Duns Square 18.05 Greenlaw (opposite the bank) 18.15 Gordon crossroads 18.30 Earlston Square
From St Boswells to the Pavilion in Galashiels – We run a Free bus service on Tuesday nights
Pick ups 18.20 St Boswells bus station 18.30 Newtown St Boswells bus station 18.40 Tweedbank
From Kelso/Jedburgh to Pavilion in Galashiels – We run a free bus service Thursday and Sunday Nights
Pick ups
17.15 Coldstream Bus Stop (Henderson Park)
17.29 Fire Station Kelso
17.30 Ice Rink
17.33 Croft Road
17.37 By pass Kelso
17.39 Ambulance Station
17.45 Heiton
18.00 Jedburgh Bus Station
18.05 Hawick turn off bus stop
From Hawick to Galashiels- Free Bus service Tuesday/Thursday/Friday/Saturday/Sunday Eve
Pick ups
17.45 Bus stop Golf course roundabout
17.50 Bus stop(s) Rosebank Road/Auld man's seat
17.55 Bus stop at Hawick High School
18.00 Bus stop(s) at Sainsbury's/Station Chippie
18.05 Bus stop(s) at Atkinson Road/Fire Station
18.10 Bus stop Burnfoot Shops
18.25 Selkirk Square
18.27 Bus stop at Oregon on the A7


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Elisabeth Allen gave her heart to Jesus as a little girl and to Drew Marek as a teenager. When their wedding day finally arrives, it's the happiest day of her life–until a car bomb transforms her dream come true into a living nightmare.
As Best Man at the wedding, Gabriel Di Salvo promises Drew–his best friend and CIA partner–he'll look after Elisabeth, but he never dreams it will become necessary so soon. As Elisabeth struggles to put the pieces of her life back together without Drew, Gabe becomes her rock, and as they share their grief and begin to heal, their friendship gradually deepens into something more.
Three years later, Gabe and Elisabeth are planning a future together when he receives a shocking call from the one man who can upend his happiness: Drew. Suspecting someone at the CIA is behind his abduction, Drew refuses to come home. Instead, he asks Gabe to bring Elisabeth to him. Now Gabe just has to figure out how to let her go.
Drew and Elisabeth race across Europe, dodging international arms dealers and attempting to reclaim what was stolen from them. But years of captivity and torture have left their mark on Drew. He is no longer the same boy Elisabeth fell in love with, but he is still her husband, and she's determined to build something new and leave her relationship with Gabe in the past, if her heart will get the memo.
When their enemies close in and the threat of a terrorist attack escalates, Gabe may be the only person they can trust. Drew, Elisabeth, and Gabe are thrown into a fight for their lives–one that will test their loyalties to God, country . . . and each other.
About the Author:
Erynn Newman is a pastor's kid, raised in churches all over the Eastern Seaboard. Since earning her degree in Christian Studies, she has traveled the world and served as a missionary, a counselor, an ESL teacher, and a nanny. Though she has never worked with the CIA, her DVR contains a veritable Who's Who of international spies. She is a Carolina girl, a wife, and Mama to a very busy little boy, two cats, and a gaggle of characters that live inside her head.
My Review: 4 stars
I have mixed thoughts regarding this book. On one hand, I loved the characters and was so into the story! On the other hand, there were a few things that bothered me a bit, looking back. As far as I'm aware, this is Erynn Newman's first book, aside from the prequel novellette (which I enjoyed) and as such, I didn't really have many expectations. I was hoping to be entertained and enjoy the adventure, both of which definitely happened, and I always look for characters to fall in love with, something that is also true of this story. With those things in mind, I am definitely looking forward to another book from this author!
Ms. Newman has an interesting writing style that drew me in from the very beginning! I was curious to read this story, as I love suspense and adventure, and the synopsis had me wondering where the story would go before I ever turned the first page. I enjoyed how she pulled me into the characters' lives and it seemed as though I was right there with them, even when it was painful. She did an excellent job of creating characters I would care about and come to think of as friends. I cried with them and ached at their pain, while also cheering them on and hoping for a "happily ever after." Or at least, something close to it. I appreciated how the mystery kept me guessing and the suspense had me wishing for "just a few more minutes," more than once. I have no idea how many pages this story has, but I have to confess, I wanted it to be longer. I loved the pace of the beginning, the "hooks" at the end of chapters that kept me coming back, getting to know Elisabeth and Gabe, and watching them walk through their grief. After that, the middle and the ending felt rather rushed. It's as though the story reached a certain point and then everything focused on getting to the end. The characters began falling a bit flat and I didn't connect with them as thoroughly. Some issues were a bit glossed over and I would've really liked to have seen more of the investigation, maybe been given another clue or two as to "whodunit." I don't want to spoil anything, but I will say that there were some heavier topics and issues the characters needed to address and I felt as though we were simply told how they were handling it, rather than getting to walk through those things with them. I don't know if the author simply didn't want to take the chance of slowing down the story, or maybe it didn't fit into her intention when starting out, but I would've loved to have seen a bit more depth in that regard.
I have no idea who made this photo, but I love it and am borrowing it!
Thank you, whoever made this. My complete lack of visual creativity salutes you. :)
Click here to purchase a copy!
Click here to purchase a copy!
Undoubtedly my favorite part of this story was the faith element. I loved how Ms. Newman chose to show it through the darkest moments. I appreciated how authentic it was, especially in how the characters approached God. They never came across as perfect. We see their doubts as clearly as their faith, but they never entirely gave up or lost hope, despite the trials they faced. I enjoyed how it was so naturally woven throughout the story, never feeling forced or contrived. Some may find it "preachy," but I definitely appreciated the depth and the willingness of the author to portray Christianity with so much authenticity.
Overall, I enjoyed this story, despite it feeling a bit rushed. I will definitely be looking forward to the author's next book (I'm really hoping it might be a sequel)!
Now, for the part you probably scrolled right past my lengthy review for: giveaway details!
To celebrate her tour, Erynn is giving away a grand prize of a signed copy of Out of Darkness, a signed copy of First Light, The Joy Eternal~A Sweet and Bitter Providence CD, a $10 Starbucks gift card, and Italian Chocolate Hazelnut Creme Cookies!! Click below to enter. Be sure to comment on this post before you enter to claim 9 extra entries! And be sure to check the other posts (listed below) for more opportunities to win!
Blog Stops!
August 17: A Baker's Perspective
August17: Genesis 5020
August18: Book Reviews From an Avid Reader
August 18: Reading Is My SuperPower
August 19: Fiction Aficionado
August 19:Inklings and notions
August 20: Reflections from my Bookshelves
August 20: Blossoms and Blessings
August 21: History, Mystery & Faith
August 21: Blogging With Carol
August 22: Faithfully Bookish
August 22: Mommynificent
August 23: Just the Write Escape
August 23: Moments Dipped in Ink
August 24: 100 pages per hour
August 25: Carpe Diem
August 25: Christian Bookaholic
August 26: J.E. Grace Bog
August 26: Karen Sue Hadley
August 27: God's Little Bookworm
August 27: Back Porch Reads
August 27: Debbie's Dusty Deliberations
August 28: Margaret Kazmierczak
August 28: Daysong Reflections
August 29: The Fizzy Pop Collection
August 29: Remembrancy
August 30: Avid Reader Book Reviews
August 30: Henry Happens


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Thanks for supporting us at Flow, we hope you find this service useful. If you have any comments or feedback please get in touch.
Our aim is to tell you about places around town where you can grab a shower and change, as you move through the day, removing the need for expensive gym memberships, returning home, or just making do with a pack of wetwipes.
You will find two types of venue on the system.
Gold venues:
Those we work with, directly. You pay for your shower through the app through checking in by way of a QR code displayed at the venue. But don't worry, if your phone has run out of juice, you can always ask reception to check you in. You will need to enter your account password (don't tell it to them) when asked, on their control panel screen.
You must make sure you check out as well. This makes sure that we don't abuse their hospitality. Each venue will set the time limit but it is based on the following guides, from extensive research:
If you think this is insufficient, then let us know at email@example.com and we will speak with the venue.
Look out for new Gold Venues as we add them. We will tell you about them on our social media @flow_finder, facebook.com/weareflow
Bronze Venues:
These are venues we have identified around town that offer access without requiring membership. We hope to upgrade these to gold venues over time, but for now it is an arms length agreement. You pay them directly and we have no control over quality and they don't have to update us with changes to pricing etc. So if you spot something is out of date, do let us know
Table of Contents
Features available on App and Website
Features only available on the website
Features only available on the app
Information about taking payment
Gold Venue
|Exclusive access with online payment
Gold Venue, favourite
Full price for Gold Venues
|If you go beyond the time limit, this is the price you will pay
Price for day pass
|For full access to all facilities within the venue
Price for shower only
|Discounted shower/changing rooms, only price
Venue Under £5
Venue £5-£10
Venue Over £10
Favourite venue
A venue that has been added to your favourites - only available to logged in members
Santander Bikes Station
Santander bikes are available across London and can be hired for £2. See the TFL website for more information
Verified venue
A verified venue is one that has either been visited by a member of the Flow team or else one where at least five members have checked in to
Unverified venue
A venue that is yet to be checked out. Be the first and tell us what you think!
Budget facility
Budget facilities suitable for a quick shower and change
Business friendly
Venue that also offers wifi and an area to relax
View map/image
Tap this icon to switch between the venue images and its location on a map on the venue detail page (only available on mobile and app)
Features available on App and Website
Registration is free and a number of features are only available to registered users. We have made the registration process as simple as possible. You can either use Facebook or Google+ to login or by setting up a username and password. Choose your preferred option from the registration screen. All usernames and passwords are case sensitive and please don't use spaces so take care when registering/logging on.
The following features are only available once you have registered/logged in:
When registering please note that your username will be displayed when you upload a comment, if you win a competition, and will be used further in future functionality. We therefore advise that you don't use your email or full name, in order to protect your privacy.
Every action you take on the site, has been assigned a number of points. Collect points for eligibility to enter competitions.
We reserve the right to purge points from any user account that are deemed to have been fraudulently awarded
Go to the venue detail page from the pop up window on the map or via the app. Choose either the thumbs up or the thumbs down to rate the venue and click on comment to leave your thoughts. Please note that comments will be checked before they are made available to other members of the site. Once approved you will receive your points for the comment.
Please note that whilst we don't limit nor have a minimum number of characters for a comment, the idea is to give other members your thoughts on the venue. We reserve the right to delete any comment that is:
Go to the venue detail page from the pop up window on the map or via the app and scroll to the bottom of the page. To take a photo choose the Take Photo icon and to upload one from your library choose the Upload icon. All photos should be clear and of the venue. Please ask permission before taking any photo inside the venue and ensure you follow any instructions given to you by the management.
Any offensive, pornographic or otherwise unsuitable photo will be deleted. Once your photo has been approved you will be awarded the relevant number of points.
From the Transport for London website: You can hire a bike from as little as £2. Simply go to any docking station with your bank card and touch the screen to get started. Santander Cycles is London's self-service, bike-sharing scheme for short journeys. There's no need to book - hire a bike, ride it where you like, then return it to any docking station.
Full information can be found here: https://tfl.gov.uk/modes/cycling/santander-cycles
Docking stations will appear on the map as part of the search result and can be viewed from the Nearest Bikes section of the app.
Go to the pop up window on the map, the full venue screen on the website or via the app and choose
The website has been designed to work on any device from mobile up. Do let us know if you encounter any problems or have questions that aren't answered here email@example.com
NB: Flowfinder is currently only available in London, England. If you are outside of London, the app will assume you are Buckingham Palace.
The journey planner offers two options; either you can search for a shower near a particular location, or else you can plan your journey. The first view you will see is to plan your journey.
If you are using a device which can identify your location, you can automatically fill either the start or destination of your journey by clicking on
Alternatively you can type in the address in the relevant field.
Once you have entered a start and end point the route will be calculated and you will be shown the following:
Alternatively you can find the showers closest to your current location by choosing
Provided you are in London the map will centre to your current position and:
Click on the venue marker you are interested in, to find additional information.
You can also enter an address manually should we wish to search for venues in other locations around London.
To switch back to Journey Planner click on
Click on the markers to find out more information
From the pop up window you can click on the:
From the pop up window you can click on the bike marker. This will add directions to the bike station from your current location at the start of the journey and will insert before the venue you will use at the end of the destination.
In summary the logic for route planning works like this when adding directions:
All transactions are processed by Braintree, a subsidiary of Paypal. We don't store your credit card details and neither can we access them directly; they are held and protected by Braintree. Braintree are an industry leader and you can find out more about them, on their website.
If for some reason you need to cancel your session, then please ask reception to do this on your behalf. You may cancel within 5 minutes of scanning the QR code. After that, you may not cancel the session. If you have any concerns that you have been wrongly charged then please contact the team at email@example.com. A refund will only be offered if there is clear evidence that a charge was wrongly assigned and the fault lies with the software or a process under the team's control.
A QR code is a universal indicator that encodes specific information. We use them to identify the venue and associated information. When you arrive at the venue, you have to scan this QR code, to identify yourself and log your entry, for the purpose of billing. The app has a built in QR code reader; do not use a generic one since this won't work.
Before you can check in, you first need to tell us what type of shower you will be using and submit your payment details. You do this in the account section of the app, but will be redirected to this screen if you try to check in before you have set up this information.
Type of shower
We track the number of members that are using a Gold Venue at any given time. This ensure the venue is not overrun with our members during their busiest periods. Each venue has the ability to set how many Flow members they will welcome at any time of day. We display this information in the header for a gold venue, on the web and in the app.
So first you need to tell us what type of shower you will be using. Tap on the drop down list with the typo "Chose Type of Shower" (we will fix this but have higher priority items we want to address, so sorry for the sloppiness):
You will then be asked to set up payment information. Don't worry; these credit card details are held by Braintree, a Paypal company, and we never have direct access. There are globally renowned company and the safest we could find. You won't be charged at this point. We just need to hold them on record, for when you want to use the app. Enter your credit/debit card number and expiry date; the details will then save automatically, as soon as you enter a valid set of details.
And this is how it should look, when you are set up:
You can now check in. Tap the home button, then tap check in
On arrival at the venue, look for the poster displaying the QR code. It will look like this:
Open the app, and you will see a check-in option, once you are logged in
Tap the orange button and if this is your first time, you will an instruction screen:
If you are happy with this then you can check the box above the checkin button, so you don't see the screen again.
Tap the check in button and a viewfinder will appear, as if you are taking a photo. Line the QR code in the viewfinder and wait a few seconds. Once it is recognised you will see a revolving animation on screen. If this doesn't happen after holding the phone steady, then try moving the phone towards and away from the QR code, slowly. If this still doesn't work then hit the back button and then try again. QR codes can be a little fiddly on some phones, so apologies in advance if you experience any problems.
If you still can't check in then the venue reception can do it for you. You will need to type your username and password into their control panel. Do not give them your details. The screen you will be presented with, will look a little like this:
Once you have successfully checked in, you will see this screen:
Now go and enjoy your shower. Don't forget to ask reception where the showers are, to avoid wandering the corridors.
When you leave you must check out, to complete your session. Make sure you check out before the timer hits zero otherwise you will be charged the full amount.
Once you have successfully checked out, you will see a screen similar to this:
If your phone has run out of juice, or the QR code doesn't work, you can ask reception to manually check you out. Make sure you leave enough time, if you think this is going to happen, since there may be a queue at reception, and that timer doesn't stop; just like in Point Break: Once you set him in motion, he will not stop.
You will receive an email on completion, recording the key details of your visit, with this information:
You checked out of [venue name] at [date and time]
You paid £[amount charged] and stayed for [length of stay]min.
Verification code: [verification code]
kind regards
The Flow Team
To refresh your location, pull the screen down with your finger if it hasn't updated automatically. Please note you need to turn on location services to use this feature. Please refer to your device help files to understand how to do this
To use any of these features you need to first logon. If you don't have an account you can register on the app or via the website.
View available competitions in the rewards section of the app. You will be shown any competitions that you qualify for. In order to enter, choose Enter Competition. If you haven't entered a competition before, you will be asked to enter additional information so we can send you any prizes that you win.
After entering a competition, the number of points required to enter, will be deducted from the balance.
Competitions will fall into one of the following categories:
Prize relates to position i.e. 1st 2nd 3rd placed in the competition
All entries are put into a draw and prizes are awarded to the 1st, 2nd, 3rd (up to the stipulated number of winners) to be 'pulled out of the hat'. Prizes may vary depending on the position drawn
Reach the target and qualify for the prize
Reach the target and qualify for the prize, up to a set number of winners
Meet specified criteria in order to qualify
See up to ten other facilities close to your current location in the Nearest Facilities section.
See the closest docking stations to your current position
To view the full details of a venue, including a description, comments, ratings and all available photo click on the venue summary anywhere on the app
To view your favourite venues, logon to the app and choose Favourites either from the menu at the top right of the app or else scroll down to favourites on the home screen
In this section you will find the amount of points you have earnt:
The all time total includes those points that you have previously spent whereas the current total reflects any points spent, entering competitions.
Beneath your points status you will first find those competitions that you qualify for, and below those any other competitions that are currently running with details on how to qualify.
For the latest information on all venues, choose Update Content at the bottom of the landing page


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In the middle of my life I'm finding I'm changing everything. Midlife crisis? Open Marriage. Selling Business. Moving house. Turfing Narcissists. Dealing Autoimmune and Stress issues. This blog is helping me unpack that journey. And the Pink Book is the journal where I began to write myself well. Journey with me. Let's learn together. (Title Pictures all sourced via Pinterest.com)
Monday, 20 October 2014
Best weekend since Chemo started!
Since I started taking Chemo for my RA, I've had some miserable weekends. I would take it on a Friday afternoon and soon would start to feel stoned, unable to drive, unable to think, and have slurred speech and need to sleep. Which I would do. A lot. I'd sleep through Friday night, and then spend Saturday ( typically chemo hangover day) in bed. I watched almost every series known to DSTV during that time, sometimes getting through 2 or 3 seasons a weekend. It was lonely.
Then I ran out of series to watch, and also had no real ability to focus on reading books (which I usually do, addictively), and so I started my blog research projects. Blogs on Narcissists. Blogs on Autoimmune Disease. Blogs on recovering from breakups. Blogs on Online Affairs. Anything that was short and sharp and could be read in 10 minutes, I was on it. Ask me anything.
The achiever in me was quietly concerned - so much wasted time in bed every weekend. My children were starting to see me only as their bedridden mom, and that was the only time they were really at home, and that's when they could see me. My husband just went on with his life: how I spent my weekends really stopped bothering him years ago.
My shrink thought it was a good discipline for me: being forced to my bed for a day a week creates a ritual of being calm and with oneself. The reading and reflection and introspection I ended up doing through that time was SO hard and SO good. And of course, I didn't have Narc John there to hold my hand and care for me through those weekends, so it was all solo. And thoughtful. And sad.
And suddenly, over the past 3 weekends, I have felt lighter. And this weekend, I just had energy. My brain feels back. I feel creative and inspired again about planning my house building project. Something has shifted in me or my body chemistry that makes this Chemo suddenly tolerable.
And it's healing my body too. I can feel that. My hip joint is moving. From being about to buy myself a walking stick to help me walk 6 months ago, I am now able to walk, climb, get in and out of my car, and am almost at the point where I can, once again, sit on the floor cross legged without pain. Maybe I'll even be able to have wild sex again, without positioning my leg very carefully each time to protect my hip!! And I can't remember when last my hands and feet swelled up in pain!
Yay! I'm coming back people. The Narc is moving out of my life and I am moving back in. Wow. I missed me!
Time to start thinking about how my weekends will work from now on. I'll be ready for them!
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Christmas DinnerSunday, December 25, 2005
Me and Danie had dinner on Christmas Eve at the Carnival World Buffet located in the Rio. If you have the best buffet in Vegas that puts you in good running for best buffet in the world. We got champagne with our "brunch" and I ate a LOT!!! It was really really good. I ate chicken wings, beans, sushi, king crab legs, barbeque ribs, prime rib, turkey, pizza, shrimp, roast duck, french fries and a quesadilla.
Sushi sucks. It tastes like raw fish. Who knew?


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FURTHER REDUCTIONS! Now up to 70% off!
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One striped side, one plain, padded-effect side: 2 styles in one sweatshirt
Our range of boys' cardigans are suitable for all occasions and come in a variety of styles and colours to match every personality. We even stock reversible cardigans, so you get two looks in one! Choose from fashionable stripes, vibrant block colours, hooded cardigans and much more. Browse the full collection below.


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Panama City Beach, FL Grease Trap Cleaning Services
KRK Enterprises, Inc. specializes in grease trap cleaning in Panama City Beach, FL as well as grease and oil collection services. All of our specialists are trained to provide excellent service so your property is left spotless and in optimal condition. Call 800-330-7686 to talk with one of our plumbing professionals about scheduling maintenance or grease collection. We also take calls 24/7 for plumbing emergencies and spills so get in touch if you need immediate services.
Grease Trap Pumping
We offer grease trap pumping in Panama City Beach, FL and everywhere in Florida. It is necessary to adhere to proper city waste management code to avoid pollution caused by a buildup of grease and cooking oil. Which is why we offer our grease trap services everywhere in the state of Florida. We provide the following services:
- Grease Trap Services Need grease waste removal services? We are available for grease trap cleaning and collection services
- Grease and Oil Recycling We use vacuum trucks to haul away grease and oil.
- Grease Trap Treatments Use grease trap treatment to keep your system clean and working properly.
For grease trap cleaning or pumping in Panama City Beach, FL, call our specialists now at 800-330-7686. We can perform an inspection and make any necessary repairs or changes to make sure your grease traps are well maintained.
Restaurant & Commercial Plumbing Services
We also offer many services in commercial plumbing. From drain cleaning, to maintenance and waste water collection, our plumbing specialists are available in the state of Florida to provide dependable solutions for business plumbing and sewage systems. We offer the following commercial plumbing services:
- Backflow Certification Get certified for properly maintained and functioning backflow prevention on your property
- Commercial Drain Cleaning Get rid of debris build up with professional drain cleaning
- Drain Field Services We can maintain and repair your drain field to ensure it performs properly
- Drain Field Repairs Our specialists can perform repairs and update old drain field equipment as needed
- Hydro-Jet We use high pressure water to clear debris from pipelines fast with no mess
- Lift Station Solutions If you need lift station services or pump maintenance, give us a call today
- Septic Tank Services Call us today for septic tank repairs and maintenance from our highly skilled technicians
- Video Camera Inspections Instead of digging up an underground pipeline, we use cameras to check for leaks
- Vactor Truck Services Get waste water removal with our vactor truck services
Don't hesitate to call 800-330-7686 if you need these, or other services for your commercial plumbing system. Contact us anytime 24/7 for a plumbing emergency! You can rely on our commercial plumbing solutions in Panama City Beach, FL.
Check Out Our Plumbing Products
Get professional plumbing products along with our professional plumbing services. These products are an excellent addition to your commercial plumbing system. Keep your plumbing clean and efficient with these treatments:
- Auto Bowl Cleaner Automatic toilet bowl cleaner keeps your restrooms clean and eliminates waste buildup
- Drain Maintainer Use drain maintainer to keep your drains clean
- Root Canal Prevent roots from clogging up a pipeline with Root Canal
- Urinal Block Use Urinal Blocks to deep clean and sanitize your restroom
For additional information about the plumbing products we offer, give us a call at 800-330-7686. We will aid you in choosing the right product for your plumbing system.
Contact Us for Grease Trap Servicing in Panama City Beach, FL
For grease trap cleaning and commercial plumbing services in Panama City Beach, FL, you can depend on the experts at KRK Enterprises, Inc. Our technicians are specially trained to ensure every job is done correctly and leaves your plumbing system performing at its best. Give us a call today at 800-330-7686 to schedule repairs, maintenance and more.


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One of the most beautiful and personalized gifts that can be given for the birth of a child is baby jewelry. Easily personalized by birthstone, or with an engraving, baby jewelry is a beautiful present for a new child. Both boy and girl children can be the recipient of this type of gift.
Focus on choosing quality materials
Whether you are buying new jewelry for a boy or girl, it is important to select the highest quality jewelry for the new baby. It is best to avoid cheap or poorly made jewelry that can scratch or irritate the delicate newborn skin. Many parents who receive jewelry for their newborns will wait until the baby gets a little older before allowing them to wear it. Nonetheless, selecting the best quality baby jewelry will show that you have taken the best care when choosing the right gift. If the baby jewelry you are selecting will have birthstones, it is important to have a jeweler check to make sure the stones are genuine. Also try to choose sterling silver or genuine gold as these are the best quality materials for baby jewelry.
Make sure the jewelry is safe
In addition to choosing baby jewelry that is made from the best material, you will also want to opt for those that have the best construction. Poorly constructed jewelry could break apart and pose a choking hazard to an infant or toddler. With well-made, consistently high quality baby jewelry, you can be certain that the baby will be safe from any harm posed by loose pieces or easily broken beads.
Engravings send a special message
Engravings are very popular on baby jewelry and are a great way to customize a chain or bracelet. If you are considering buying this for your child or as a gift for another baby, consider what you want your engraving to say. Many people choose to put the baby's name and birthday on the baby jewelry as well as installing the baby's birthstone. Although this is a frequent choice, it is also worth considering placing a special message for the child. Personalizing the baby jewelry with a unique message will mean more when the child becomes older and is much less generic than simply engraving a name and birthday.
By following these tips and guidelines, you can rest assured that the baby jewelry you select will be both memorable and long lasting.
Gotobaby sells beautiful, custom baby jewelry for the special little boy or girl. These unique and lovely selections are available at online baby gift store.
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The new Dublin Rose is Maria Coughlan, a 25 year old school teacher from Malahide in North Dublin. She is the youngest of three children and teaches at St. Vincent de Paul Infant School on Griffith Avenue. Maria is a champion Irish Dancer, having retired last year as a two time World Champion, five time All Ireland Champion and three time … Read More
Marty Morrissey to host Rose of Tralee in Dublin
Veteran broadcaster steps into Dáithí Ó Sé's shoes in the capital Croke Park Stadium, Dublin, 10th February 2017 Now in his second year of hosting Rose of Tralee Selection Events in Dublin, RTE's Marty Morrissey says it is "a privilege" for him to get the opportunity to work with the Rose of Tralee Festival again and he is very much … Read More
Marty Morrissey confirmed as Dublin Rose MC
RTE Broadcasting legend Marty Morrissey is the host for the 2016 Dublin Rose Selections which will run on Friday June 24th & Saturday June 25th at Citywest Hotel in West Dublin. Announcing the news alongside 2015 Dublin Rose Aisling Finnegan, Marty said: The Dublin Rose of Tralee Festival kicks off on May 28th in Citywest Hotel with The Dublin Rose … Read More
New Blog!
The Dublin Rose of Tralee Committee are delighted to launch their new blog. This should prove a valuable tool for anyone associated in any way with the Dublin Rose Center and Rose of Tralee in general to keep up to date with "Rose Matters" in Dublin. Feedback is especially welcomed at this early stage for the new website, so please … Read More
Welcome to our blog!
Welcome to the Dublin Rose of Tralee Blog. Check back for all the latest craic from the Dublin Rose of Tralee Organisation. Feel free to post your comments, suggestions etc. Applications for 2009 (our 50th year) will open in the new year. Bye for now The Dublin Rose Team


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Summer Party Invitations You simply fill them out along with send them off. Home made take a lot more time and effort however the results are worth it. Go to a create supply store and get a number of card making supplies and obtain creative! If its photograph invites you want, you can do all of them yourself if you have a good image editing program or you can discover some one to do it on the internet for you personally.
Try to mail out stationery at least four to six weeks before the day of your first birthday party. This will give your party guests sufficient fair warning so that they avoid make other plans for the day. Be sure to give them your reply by date if you want to to have accurate headcount for buying as well as supplies.
Tags: #Cool Glow #Free Printable Glow Party Invitations #Free Printable Neon Invitations #Glow in the Dark Invitations #Glow Party Invitation Template #Glow Party Invitations Download Print #Glow Party Supplies #Sweet 16 Glow Party Invitations


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It's fair to say that the Super Bowl went with a bang this year. The Seahawks won the Super Bowl for the first time in spectacular style, Beckham ditched his boxers and Bruno Mars took to the stage with none other than the Red Hot Chilli Peppers! We can't decide what was our favourite part of the Sunday night extravaganza, so here are a few of the highlights. Browse through videos of the half time show, game highlights and some of the top commercials seen that night for a taste of what the Super Bowl audience were treated to in New Jersey. For more on the build-up to the night click here. Otherwise, here are the highlights!
Bruno Mars Half Time Performance
David Beckham H&M Advert
Coca Cola Advert
Budweiser Advert
Game Highlights
Chrysler and Bob Dylan Advert
Kia Matrix Advert


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I regularly use Sydnope Hill and must congratulate the stone wall builders rebuilding a collapsed wall.
The standard of work using old stone is exemplary. This is in marked contrast to the state of this road the B5057 road (Darley Dale to Stone Edge and on to Chesterfield via the A632). The numerous huge pot holes reflect DDC highways' neglect. Many roads in the Derbyshire Dales are an utter disgrace and the unclassified roads appear to be even worse due to untreated pot holes.
Yesterday I drove to Sheffield via the Norfolk Arms public house pursuing via Quiet Lane, which appears to be an unclassified lane, to Fulwood. Why are the approach lanes to Sheffield treated as A and B roads whilst in Derbyshire so much neglect is in evidence regardless of the designation of a road? As a result of not seeing a pot hole cost my husband £450 for repairs.
May I suggest that DCC highways learn from South Yorkshire Council how to wisely budget to maintain decent and safe highways.
Kath Potter
By email
What do you think? To email us your comments CLICK HERE


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We are looking for mothers with teenagers between the ages of 13 and 17 for a paid online research study about breakfast selections. The research study will take place between November 5th and 7th and between November 12th and 15th.
Those who complete the study will receive $250 for their participation.
Apply for this paid research study
43 Things Tags: Nationwide,paid online research study,mothers,teenagers,breakfast,USA


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Make Some Design Improvements to our Site
Budget $15-25 AUD / hour
We are looking for a designer with coding experience that we can rely on for ongoing work for the future of our business. So if you can perform these tasks to a very high standard, we will provide you with more design work.
You need to be able to go through our entire website and suggest design changes you can make that will make our site appear much more professional, modern and SEXY!
Here are some of the changes we definitely want as a priority and if you have other suggestions, just let us know what they are.
[login to view URL]
You need to change the pricing tables under OUR PACKAGES on the HOME PAGE. An example of what we want can be found in this link: [login to view URL] (and see the attached image "packages [login to view URL]"). We want our pricing table designed similar to this and as sexy as you can possibly make it. When the user hovers their cursor over a package, it should pop-out of the screen (like the middle one in "packages [login to view URL]") and then pop back in when the cursor changes to another one, which itself will quickly pop-out.
The first image in the 'slider' needs to have a blue hue applied to it, so that it will appear slightly bluer. On this same slide, the text needs to be darker so it is more visible and easier to read. This text needs to only occupy 1 line (currently the word "Property" goes down to a 2nd line).
Please choose a better image for the 2nd slide (charity).
On the HOME PAGE the picture of the 'piggy bank' needs to be changed. It needs to be in the same style/theme as the "MISSION" picture just above the 'piggy bank'. Please choose a suitable, high quality image that you think will fit the design.
[login to view URL]
[Refer to "package [login to view URL]"] We also want the pop-out pop-in technique, from the HOME PAGE pricing table, applied to these 'tabs' on the FEATURED PROPERTIES link:
[Refer to "expandable [login to view URL]"] This expanding animation needs to be made much neater and sexier. When the cursor is hovered over a section of this, we want a small pop-up window to appear that briefly describes each section. We will provide you with 1 or 2 sentences for each section (when you are ready, let me know). We would like it if we could easily modify this description text in WordPress whenever we want.
Also on each individual property page, we need the same pop-out pop-in technique applied to these 'tabs'. NOTE: There are over 200 of these property pages, so you will need to apply these designs easily to all of them and NOT have to go through each one individually, as this will be too time consuming.
71 freelancers are bidding on average $19/hour for this job
Hello, My understanding for the project is you are looking out make few improvements to your existing website. We have extensive expertise at custom wordpress development and can help you with this regard. Please op More
Yes You can check my profile page as i have more than 31% Repeat Hire Ratio..so i work as long term basis as per your need... i reviewed your website and good to do changes as per your need..as core developer i am h More
Hi there, We have the extensive UI/UX development experience. Based on the requirement that you have listed and the reference links that you have shared, we can develop the output that you desire for your renewed we More
[login to view URL] are you? i a front-end developer. i want to work in your project. This is my past jobs -Fitness Site [login to view URL] -Wedding Book Site [login to view URL] [login to view URL] -Real More
Hello, hope you are having a great day. We have read the description and we went through the attached files. We totally understand your requirements. We have a team of professional web & graphic designers. We can assur More
Hi There, Thanks for your valuable time. :-) Please check below points : 1. We are looking for a designer with coding experience that we can rely on for ongoing work for the future of our business. So if you c More
WordPress Expert. Hi there, I have gone through your project detail and I am much confident to do all of the Listed Design customization and enhancements to make your existing site more functional and visually a More
Hello! I am an expert WordPress developer, having 12+ years of experience in web development and developed 2000+ websites. I have understood your requirement for performing improvements in your existing WordPress we More
We are a team having experience over 10+ years in PHP and it's Framework and Mobile Apps. ALL PRODUCTS: Ebilling: [login to view URL] id: demo(at)[login to view URL] pass: demo123 Invent More
//**READY TO START RIGHT AWAY **// Hello Employer ! Hope you doing great. With the reference of your description We would like to inform you that we are the most eligible team here with whom you can discuss th More
Let's start! To achieve goal with 100% quality we have team of 27 Professional Software Engg. Reply us so that we can move ahead to get this software successfully run. As we hold freelancer preferred badge we are mo More
Hello Alex! After reviewing job description, we can definitely redevelop "YOUR EXISTING WEBSITE" as per your needs facilitates. I checked your website and I have also consulted with my technical team lead & we do More
Hi, I can start work on your project immediately once you confirm me and i am also open for further discussion if you want. I have 8+ years in web design & development with good experience in following skills ... More
Hi there, I have gone through your WordPress based website Smart Value Property and first of all I found couple of things which are require to apply, resolve quickly. These are my initial suggestion OR I would More


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Ariat Women's Brilliance Performance Western Boots
- Ariat Women's Brilliance Performance Western Boots
- Item # 031881
$155.97 Online Price
44% Total Savings
United States , Canada
Additional Information
Product Features & Description
Part of Ariat's Performance Collection, these Brilliance Western Boots set the standard in professional riding boots. With traditional styling for the cowgirl who knows what she wants, these boots feature unique allover-stitching with a 12" shaft, desirable broad square toe profile, and a comfortable horseman heel. Ariat makes enhanced performance a primary focus, combining advanced technology, premium leathers and thoughtful design and construction. Ariat's exclusive ATS comfort technology gives this boot a performance edge, providing superior support and cushioning your feet as you move, promoting good posture and reducing fatigue so you can work or play all day. ATS technology includes a gel cushioned moisture-wicking footbed with a low-friction surface to protect from heat build-up and blistering as well as a heel stabilizer for shock absorption and support along with a patented lightweight composite forked shank to reduce skeletal and muscular fatigue and add stability. The durable yet flexible Duratread outsole is highly resistant to barnyard acids and longer lasting than traditional rubber, giving your feet comfort and support in the saddle and on the ground for years to come. These boots provide ultimate comfort, strong durability, and solid stability without sacrificing style.
Style(s): 10016312
- Premium full-grain leather
- Performance collection
- 12" pull-on shaft
- Unique allover-stitching
- ATS comfort technology
- Wide square toe
- 1.375" horseman heel
- Duratread outsole with added traction


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In the 1990's along came the invention of the HMO (Health Maintenance Organization) in both medicine and dentistry. HMO's were new and no consumer really understood how they worked. All the consumer knew was that they paid a lot less in premiums and received a lot of services for free. What the consumer didn't know hurt them: when you join an HMO you have been put on a list that has been assigned to a specific dentist. Most likely this meant that you had to change from your usual dental provider to one that was also on a list. The dentist is paid a monthly amount to see the patients on his or her list.
There are many problems with trying to provide dentistry this way. The first is the list, which is usually out of date. If a patient has selected an office but has not yet appeared on their insurance company's list then the dentist is not obligated to see the patient. The second is that the provider list is always out of date. Dentists who appear as providers on the list may have dropped their participation or are no longer accepting any new assigned patients. The lack of organization within the insurance companies hurts the patients: they are paying huge monthly fees but are no longer able to get services rendered in a timely fashion or at an office nearby.
Then there was the invention of the DMO (Dental Maintenance Organization). This is similar to an HMO, but instead the dentist charges a percentage of their usual fees to patient's with DMOs. To counter this, dentists began raising their fees for most services, many times doubling their fees so they wouldn't lose money to DMOs. Patients without dental insurance would have to pay extraordinary amounts for certain services. This caused a ripple effect throughout dentistry because dentists' fees were rising 10% to 25% per year when inflation was less than 5%. Dentistry became much more expensive because of HMOs and DMOs. For example: a crown in 1990 would go for around $500, but by 2000 a crown cost over $1000.
When I opened my office in 2001 we accepted several HMO/DMO programs. By 2005 we had become so overwhelmed by the same programs and decided to discontinue our participation. We still accept hundreds of insurance programs: Delta Dental is the creme de la creme of dental insurance companies on my hate list. This company has not raised the amount they pay dentists for certain services in over eight years! They are so difficult to work with that many Delta Dental members can no longer find participating dentists nearby. This is unfair to the dentists and unfair to patients who are now, thanks to insurance companies, forced to pay exorbitant amounts of money for dental work regardless of whether or not they have insurance.
So we came up with our Family Plan- a reduced fee plan available only at my practice. The patient pays us a yearly fee, usually less than the premiums for an HMO/DMO, and in exchange receives cleanings, exams, and x-rays for free. They also receive a substantial discount on our other services. We have been able to provide the same program with no increase in per year membership ever. It's still just $99/ year!
A Family Dental Care Center: Dr. Seth Rosen
2030 West Main St. Norristown, PA 19403


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Balusters are important finishing touch to any staircase. While there are many stock options available, custom wood balusters manufactured in a custom millwork shop can add a special finishing touch to one of the main centerpieces of the home.
If you're looking for custom-made wood balusters, National Millwork has the capability to create any baluster or spindle you can imagine. We can turn a nearly limitless variety of styles in our custom millwork shop. They can be twisted, fluted, faceted, or roped to enhance your project. Custom sizes and profiles are also available for your unique baluster needs.
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National Millwork is a division of National Lumber Company, supplying the building industry since 1934.