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Understanding investments
Updated 02 March 2018
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The value of an investment can fall as well as rise for a number of reasons, for example market and currency movements. You could get back less than originally invested.
The value of an ISA will be directly linked to the performance of the funds selected and may fall as well as rise. You may get back less than you invested. An investment in a stocks and shares ISA will not provide the same security of capital associated with a cash ISA. The favourable tax treatment of ISAs may not be maintained in the future and is subject to changes in legislation.
Remember that, whether held as part of an investment fund or on its own as part of your self-invested element, property and land can be difficult to sell. Therefore, funds from your plan, whether on death, transfer or retirement may not be immediately available because of the time it takes to sell/cash in the assets.
This is particularly important as you approach retirement – if there's a delay in selling assets then you might not be able to take your benefits when you had planned to. For this reason, if you're 65 or over you can't buy commercial property through our SIPP.
Property investments, like any other asset class, can go down in value as well as up. The value of properties is determined by independent valuers appointed by a fund manager and is generally a matter of their opinion rather than fact.
We base the risk rating for each fund on its risk relative to other funds in our full fund range. It's not its risk compared against industry benchmarks. We regularly review the risk ratings, so they can change.
Investment funds do not have the security of capital which is characteristic of a deposit with a bank or building society
For advice as to whether a fund is suitable for you, please speak to your financial adviser.


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Nothing comes easy although it may look like it does when selecting looking for the best pet vacuum cleaners. Factors such as new, features, size and price of the cleaning area need to be considered thoroughly. Larger houses will need a more effective vacuum cleaner especially the ones that are carpeted.
Pets and kids determine the frequency of the cleanup process and just how hard it should work. The plan of the vacuum is also dependent on the structure of the home like hardwood floors may prefer canister vacuums than vertical ones as it can handle rugs and stained upholstery better.
However, this type of vacuum might not be ideal to wall to wall carpets. Receiving the ideal pet vacuum cleaner, because of its power, can cost you a bit more than one of those regular vacuums. And, for some, cost may matter.
If so, consumers would then burden the price from the worth of the features of this vacuum model based on the diameter of the cleaning course, components such as the motor, along with other attachments that comes with it.
Get more info about best vacuum cleaners to suck pet fur here.
It is anticipated that those with more powerful motors and getting more attachments are costlier. To get the most from your money, it wouldn't hurt to have an in-depth evaluation of the particulars of the vacuum cleaner first.
Brands could be an important element for a while there are also a few who'd go for any brand so long that they agree with all the price and its functionality and others are somewhere caught in the center. These folks may have the propensity to go for the brand they prefer but they may also need to try out other brands for the price and for other facets.
There is a lot to consider when weighing in the features and price. But it may be just as easy online where there that the goods are rated by customers like you and I and that let us understand how their experience was purchasing the particular item. This info is very valuable as they can provide you the good and bad of their expertise.
Those people with multi-story homes could possibly be interested in a vacuum cleaner unit rather than owning a vacuum in each level of the house. Both ways will help alleviate your having to take the vacuum up and down the stairs.See more results about Samsung Powerbot R7065 gives affordable budget cleaning here.
Others might buy a robotic vacuum cleaner for smaller regions of hard floor but would not be effective for broader and carpeted areas. With these options and even a good deal more to think about, a fantastic evaluation and comprehension of the elements and attributes would lead to a more pleasing vacuum choice, pet vacuum cleaner or otherwise.

subset: commoncrawl


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Charley's First Night
Available in Stock
Charley is Henry's new puppy and although he has a pillow bed in the warm kitchen, with Henry's teddy bear and Henry's clock for company, Charley really wants to be in Henry's bed. This simple tale by Amy Hest, with Helen Oxenbury's illustrations, captures the magic of getting your first puppy. Age 4+


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Home & Away: Leah's new love shock
Still mending her broken heart after Zac's betrayal and their subsequent divorce, Leah is caught off-guard when a mysterious man starts hitting on her next week on Home And Away.
While working in the diner, Leah (Ada Nicodemou) is lost in thought over some flippant comments Tori (Penny McNamee) threw her way earlier that day. Tori believed Leah to have already moved on from her ex, but that's not how Leah sees it – she's barely had a moment to sit down and breathe, let alone move on!
She's also plagued with thoughts that this is her third failed marriage – how can she possibly face putting herself back out there again? Noticing her sullen face, Roo (Georgie Parker) checks in to see what's troubling her.
But just as Roo begins to comfort Leah, three men enter the diner. Leah catches the eye of one of the men and, wasting no time, he brazenly starts hitting on her.
Red-faced and uncomfortable, Leah shies away from his advances. He introduces himself as Nick (Jacob Allan) and boldly asks Leah out on a date.
Roo encourages her friend to accept the offer. There's no harm in getting a drink, right?
After collecting her thoughts and taking a breath, Leah pulls Nick aside for a private chat.
She tells him that she'll go for a drink with him, but she's been through a lot in the past 12 months so they'll need to take things slowly.
For the first time in a long time, Leah can't wipe the smile off her face. Will the fourth time be a charm?
Home And Away airs Monday to Thursday, 7pm, Channel Seven.
For more on Home And Away, see this week's New Idea – Out now.
You might also like…


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Whether celebrated or vilified, most will admit that Maricopa County's Sheriff Joe Arpaio gets results. This was once again demonstrated this past Father's Day, when Sheriff's Deputies and volunteers went out in search of men and women with outstanding warrants. Specifically, the people they went looking for were all parents who were not paying their child support as ordered. With about 300 outstanding warrants received by the Sheriff's Office each year, deputies take certain days, such as Father's Day, Mother's Day and Valentine's Day, to focus on executing the warrants.
Child support orders and modifications in Arizona
Arizona parents going through the divorce process may be interested in hearing about an unusual twist concerning child support payments. A couple in Iowa were divorced in 2004 and for years afterward, they fought over the terms of their divorce settlement and custody of their children. In 2011, the ex-wife was convicted of first-degree murder and incarcerated. Despite her conviction and loss of custody of her children, a judge ruled that her ex-husband had to pay her back child support and divorce settlement payments.
Ex-husband of "Breaking Bad" actress seeks child support payments
Parenthood often means making difficult decisions regarding children. This is especially true for parents dealing with a divorce. Arizona parents are aware that child custody and child support decisions are not easily made during a divorce, and they often create tension and arguments between parents. They can greatly affect the divorcing spouses, as well as the children, during dissolution and post-divorce. Even when an amicable child support arrangement is reached, the agreement might later require modification or enforcement.
Child support in Arizona: collection efforts and modifications
Arizona parents with a child support order may be interested to learn about new efforts states are taking to collect child support payments. Currently, when a parent isn't paying as ordered, many states will garnish wages, withhold tax returns, deny passports or suspend business licenses. But there are limitations to these efforts. For example, states may not be able to impose the penalties if the paying parent has remarried, as the new spouse cannot be penalized for the parent-spouse's failure to pay.
Child support orders and modifications in Arizona
Many of us know of or have heard of someone owing back payments of child support. Called arrears, there are many reasons why someone with a support order has not paid all the money owed to date, including unemployment, large medical bills or simple not wanting to adhere to the order. Recently, a man in Chicago took owing child support to a new level: he owes over half a million dollars.
Serious penalties for man's failure to pay child support
People shirk their responsibilities for many different reasons. Some may do it because they really feel that they cannot comply with the responsibility. Others may do it because they think they can get away with non-complaince. Child support is one area where, unfortunately, many Arizona residents fail to handle their obligations. But the penalties for failure to pay child support can be surprising and quite detrimental to everyone involved.
Child support order for sperm donor
In a unique case involving a father's rights and responsibilities, a court in Kansas has determined that a donor who provided sperm to impregnate a lesbian woman must now pay years of child support for the baby that he helped to create. The decision has made headlines across the country as politicians and the public debate to what extent a biological father's responsibilities for child support exist.
Billions in child support goes unpaid
Divorce can bring on a whole host of contested legal issues such as property division, spousal support, and child custody. Perhaps one of the most disputed aspects of a divorce is child support. Reaching a child support settlement can be difficult, and many times must be argued for or against in front of a judge. Once a final determination is made, issues may arise when payments are incomplete or missing. The child may suffer as a result, and a failure to pay child support may lead to penalties for the owing parent.
Twitter investor allegedly hid asset in child support request
Arizona social media followers may already know that Twitter recently went public with its stock. When that happened, anyone that had shares before Nov. 7 stood to gain a substantial amount of money. One such investor allegedly failed to disclose the fact that she even owned shares of stock in the social media site during her divorce. Her now ex-husband claims she withheld the existence of her shares while asking for child support that was not in line with his earnings.
Extra-curricular costs might be a factor in child support
Arizona's child support laws are, for the most part, pretty straightforward. Although certain aspects of divorce are negotiable or aren't always necessary, divorcing parents can generally assume that child support payments will be included in their settlement.


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Like it or not but rather WhatsApp seems all set to present promotions on its stage. Reports say the WhatsApp for Android rendition 2.18.305, or, in other words beta variant of the talk application, has got promotions in the Status area. Money Street Journal had detailed in August this year that the Facebook-possessed application will begin serving advertisements through WhatsApp from one year from now. The promotions would be fueled by Facebook's publicizing framework and help clients get acquainted with "business" on WhatsApp.
WABetaInfor tweeted as of late, "WhatsApp beta for Android 2.18.305: WhatsApp is actualizing in this form promotions for Status. They are not unmistakable yet and the element will be empowered in future."
The presentation of advertisements through WhatsApp status will positively change the manner in which clients have been getting a charge out of the talk application since its beginning. A few clients may even discover advertisements on their WhatsApp status irritating. Be that as it may, the talk application is clearly strolling on a restricted course of printing cash.
WhatsApp status highlight has just hit 450 million day by day dynamic clients figure. At present, the WhatsApp Status enables clients to share various photographs or video that stay in a different area on the application for 24 hours. The application likewise enables clients to see the occasions their status has been seen.
WhatsApp Status was propelled in February 2017. As indicated by the Wall Street Journal report, the advertisements would enable clients to send an instant message to organizations from the talk application for any client benefit inquiry.
A month ago, reports said WhatsApp may at long last present advertisements in the 'Status' segment of the iOS application by one year from now.
WhatsApp organizers had no plans to adapt the stage. They had the saying of "No advertisements, no amusements, no tricks" since its commencement in 2009. Be that as it may, things changed after Facebook procured the application for $22 billion.


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|First Test, Galle, day four
|India 600 & 240-3 dec: Kohli 103*, Mukund 81
|Sri Lanka 291 & 245: Karunaratne 97, Ashwin 3-65
|India won by 304 runs
Virat Kohli's century laid the foundations for India's crushing 304-run victory over Sri Lanka on the fourth day of the first Test in Galle.
India, who had a first-innings lead of 309 after centuries from Shikhar Dhawan (190) and Cheteshwar Pujara (153), dominated throughout and Kohli's unbeaten 103 helped set Sri Lanka 550 to win.
With both Asela Gunaratne and Rangana Herath unable to bat because of injury, Sri Lanka subsided to 245 all out – Ravichandran Ashwin taking 3-65.
The second Test begins in Colombo on 3 August, where India will look to wrap up the three-match series


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Tiny Treads is a lovely book of children sized sock patterns written by Joeli Caparco and published by Cooperative Press. Joeli is is a mother to two boys. When she's not playing child-wrangler, she tech edits for Knit Now, Cooperative Press and many lovely designers. In the rest of her free time she tries to "ll up her boys' wardrobes with hand-knits, mainly her own designs. Her designs have been published in Knitty, Petite Purls, and Knit Now.
Tiny Treads offers 12 patterns including a Basic Sock recipe from cuff down or toe up for sizes ranging from infant to 11 years old*. Perfect for gift giving especially since she has included a sizing chart based on ages and shoe sizes! There are multiple techniques offered in this collections including three different heel types, color work, lace and cables. A small sock can be just the right project to try a new technique. Don't worry if you are beginner knitter or have not knit socks before, Joeli's instructions are clear, easy to understand and there is always the Basic Stockinette sock recipe to knit first before getting more adventurous!
I would like to highlight some of my favorites from Joeli's book. To start Goosey Goosey, knit by Steph,has a traveling stitch that swirls around the leg and foot. Just enough to keep your interest over a pair of socks without being complicated. Crooked Stlyes is a stylish little sock of zig zagging stitches, Full of Rye has a nice center cable, Pied Piper offers Afterthought heel with contrasting cuff, heel and toe, Cabled Midas has a cabled cuff and short row heel, and finally the Geppetto are baby leggings, perfect for crawling wee ones.
I appreciate Joeli's attention to detail with this sock collections. In my opinion, 11 of the 12 socks are completely gender neutral and depending on your yarn choice the 12th Cockelshells could be knit for a boy too. There are multiple heels offered, patterns ranging from plain stockinette to lace and cables plus a nice size range.
Why else would you buy a book of sock patterns for children? Joeli says it best, "Everyone deserves something warm and cozy on their feet, no matter what size they are!" Well said! They use left overs practically and you can knit them very
easily for a quick baby gift. I know my little girl like several of these patterns and always wants to pick out her own yarn in her favorite colors.
You can check out Tiny Treads on Ravelry or on Cooperative Press. It retails for $22.95 plus shipping for the print and pdf versions or $16.95 for the digital download only.
Joeli and Cooperative Press would like to gift one of you with a PDF copy of Tiny Treads! Please check out the book then visit our Ravelry group and leave a comment on the Tiny Treads thread letting her know which sock pattern you would love to knit first! We will draw the winner by random number generator on Episode 7.
*Correction to sizing (originally read 4-7 years).


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Dear all,
The management of the silentGamerz has decided to promote @The Mighty Don't Kneel to the position of MODERATOR effective immediately.
As we always rewarding our loyal members of this community, he has been recommended for this position considering his hard work and dedication he has shown towards this community.
We take this opportunity congratulate him, and wish him all the best. Thank you.
Management Team


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A very basic command to output what's stored in a variable to the command prompt in a powershell script. This is part of a script to set IOPs on a VM located on a tintri storage array. The script was failing every time it got to a specific VM, this allowed me to see what VM it was failing on.
if ($IsLive) { $vmName = $($_.Vmware.Name)
$vCenterName = $($_.Vmware.VcenterName)
$scs = $($_.Vmware.StorageContainers)
$minIOPs = $($_.QosConfig.MinNormalizedIops)
$maxIOPs = $($_.QosConfig.MaxNormalizedIops)
Write-Host "Updating: " $vmName


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Stephen Hay
Scottish taxpayers could be forgiven for being a little confused about the Autumn Statement as a number of the announced measures won't affect Scotland in the same way as the rest of the UK.
There were a number of tax measures announced yesterday which don't affect Scotland in the same way as in the rest of the UK. These include:
- A three per cent Stamp Duty Land Tax surcharge for buy-to-lets and second homes from April 2016. As Scotland has its own Land and Buildings Transaction Tax (LBTT), this measure will not apply. However, proposals that from April 2019 Capital Gains Tax (CGT) will need to be paid within 30 days of a residential property sale will apply as CGT is not currently being devolved to Scotland. This measure will bring forward payments by up to 21 months and require vendors to be better organised by having information available to calculate gains on disposal. The payment date will not apply to qualifying principal private residences. Mr Swinney will no doubt give some consideration to following the Chancellor in his Scottish Budget on 16 December by introducing a surcharge for landlords. However, if he doesn't, could we see small property investors in the rest of the UK seeking to increase their portfolios north of the Border?
- The introduction of a new penalty of 60 per cent of tax due to be charged in all cases successfully tackled by the General Anti-Abuse rule. The complication here is that Scotland has its own General Anti-Avoidance Rule which applies to taxes that Revenue Scotland is responsible for (currently LBTT and Landfill Tax). It's likely that the Scottish Rate of Income Tax will come under the Scottish GAAR and if corporate taxes are devolved in due course, they may also be subject to the Scottish rule, but quite how the two disparate rules will interact is currently unclear.


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Camp General Artemio Ricarte, Puerto Princesa City -- Four members of the New People's Army in Palawan surrendered to the operating units of Western Command (WESCOM) as focused and civil military operations continue.
Two male communist terrorist members surrendered on September 28, 2017, namely JEFFREY ORIT SAMPACA @ KA RUBEN/DANTE, 25 years old and HENRY POYANG MINDUK @ KA DANIEL, 18 years old, both from Sitio Tabud, Brgy Saraza, Brookes Point and brought with them their issued firearms: one (1) unit M16 (Bushmaster) with SN: L544773 with one (1) short magazine and one (1) unit M1 Garand with SN: 238377 with five (5) clips and 40 rounds ammunition, two (2) IEDs, one (1) rocket parachute flare and other war materials.
Meanwhile, @GENGEN, 16 years old, and ANALY PITOGO AMBUAN @ ANSA, 19 years old both from Sitio Macagua, Brgy Amas, Brookes Point surrendered on September 29, 2017, thru the intervention of Panglima Cunanam Pitogo, the father of Gengen, uncle of Ansa, and turned over 1 shotgun.
The surrenderees are now under custody of The military for validation and documentation, facilitating their application for the Local Social Integration Program (LSIP) of the Provincial Government of Palawan and DILG's Comprehensive Local Social Integration Program (CLIP) where they will receive financial assistance and livelihood opportunities.
In North Palawan, at around 6:30am today, we received initial info from Joint Task Group North (JTGN) that its convoy composed of 1 M35 truck and 1 elf truck enroute for regular logistic run was ambushed at vicinity Sitio Itabiak, brgy New Agutaya, San Vicente, Palawan 3 Marines suffered minor wounds. The convoy was able to immediately extricate from the kill zone. Troops of JTGN is conducting hot pursuit operations.
Western Command condemns the use chid soldiers of the communist terrorists in their ranks and operations. It should be noted that child soldiering is a clear violation of human rights and the International Humanitarian Law.
"We are glad that these 4 communist terrorists have decided to surrender and return to the fold of the law. Their surrender, together with their firearms, IEDs and other war materials is a serious blow to the ranks of communist terrorism in the Province, " said Major General Galileo Gerard Kintanar Jr, Commander of Western Command.
"This is also a clear indication of their unwillingness to continue with the armed struggle that according to them is tainted by corruption among their leaders, fatigue and disappointment," Major General Kintanar Jr added.
"We continue to urge the other communist terrorists to put their arms down and surrender. The Local Social Integration Program (LSIP) of the Provincial Government of Palawan and the Comprehensive Local Social Integration Program (CLIP) of the Department of Interior and Local Government are waiting for them to start their lives anew," the Commander of WESCOM said.Hits: 380


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I'm re-making tutu's for Ballet New Braunfels' production of The Nutcracker.
I was in the Nutcracker last year, as a snowflake and a flower. This year, what with me being pregnant and delivering my daughter a couple days before the show, I wasn't up to performing.
So I took on a helping roll. I knew the costumes needed some help. I had worn them last year. They were recital costumes so not a lot of thought or care was put into their creation. So, I began jazzing up the flower costumes which were in better shape than the snow, and starting from scratch on the snow costumes.
It's a big project, especially since my sewing machine broke and is a the mechanic for the next two weeks. I hope for lots of volunteers from the parents to help.
This is what we started with for Flowers costumes.
|Not bad, just not very WOW.
|With a little rick rack and glitter, they are more fun to look at .
|While working at my Mom's since her sewing machine still works.


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A land of fairies, necromancers
and all sorts of other horror stories, that i
show the sibillini were depicted in the XV-XVI
century in Europe. They were the kingdom of the
mythical ancient seer Sibilla Cumana.
A lovely woman, yet some believed she was "associated
with the devil". This is the area where
the "Demonic lake of pilato" was supposed
tobe, where the tradition tells us Ponzio Pilato
disappeared, dragged around by a herd of buffalos.
A world of fantasy and wilderness, that has always
given inspiration to the fears and dreams of many
famous writers. Andrea da Barberino in "Guerrin
Meschino" in1409, wrote about the brave
warrior in search of his ancestors The french
writer Antonine de La Salle or Hermelin that called
the Monte della Sibilla the Venusberg, because
it hosted Vulcano's wife and some dark spirits.
Really, the Sibillini mounts are just a limestone
rock mountain with more than twenty peaks above
2000 meters high..
Seventy thousand hectars, 18 municipalities,
of wich 13 have their main town within the National
park, a population of over 16.000, natural and
historical- architectural beauties of international
value: this is the Monti Sibillini National Park.
A park full of medieval towns and villages with
relevant monuments and places of historical and
architectural relevance. Among those, the town
of Visso, the sanctuary of Macereto; the church
and square of San Benedetto in the centre of Norcia;
the San Eutizio Abbey in Preci, the old castle
walls in Montemonaco; the extraordinarily well
preserved historical towns of Montefortino and
Amandola; the XIII century fortification of Arquata
del Tronto.
A park that holds all the traditional values,
building a strong cultural , historical and environmental
identità, a basis for a rational and lng
standing development of the area.
For information on the Monti Sibillini Nationla
Park e-mail us at mailto:email@example.com


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While some druids can go nuts at a high level, which is having to juggle multiple forms and individual gear for each form, it is something that you will not have to worry about any levelling. Stick with gear / Feral Cat and you will be fine. Here you can find something about wow gold. You can get the games to multiple gears, after reaching 85 years. This is the Manager of the equipment in the game is very practical. Double build a bear and you fixed, .
The first thing to understand is that wild is the most effective tree for solo leveling, especially now that you get as a cat at level 8. Here you can find something about buy gold wow. Druids battle fierce level in the form of feline, and to attack their opponents close to melee range using attacks with energy as a resource and combo for the great Druids moves points.Balance of finishing can stabilize solo perfectly well. However, you will have to drink more often. It is always a good option if you like be a launcher of sorts, where you can embed things from you and touch them with spells of damage using mana as your resource. At higher levels, Druids balance Moonkin forms to transform into a large
Welcome to my first guide! The purpose of this guide is to give you, the reader, in a relatively painless way to get two Disciple of the hand until the 10 largest classes. What makes blacksmith and gunsmith if larger classes, it's that they go hand in hand with the other. The things that you do with one can be used by the other and you will see that, in this guide. You can buy ffxiv gild in our shop when you need. Please note that this guide is based on the Final Fantasy XIV open beta and as such may not be applicable in the version of the part detail. If this is the case, don't panic! You can buy ffxiv gils in our shop. I am sure that you are looking for on the list of Crystal / tesson and thinking that I am a madman.let absolute me you ensure that I am not crazy.


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Find some of the latest profiles on Enterprise Europe Network for partner search, new business at your doorstep published June 8th, 2018.
Within the Enterprise Europe network other specialized fields are available for partner search such as automotive, industry and biochemtech. Make your own query for partner searches based on your interest at this database and find new business at your doorstep. Enterprise Europe Network, with its 600 partner organizations in over 60 countries, helps companies find business opportunities across the European Union and beyond.
Some advantages are:
- Easy access to new technologies
- Less risk in developing new products or technologies
- Improve speed of development, time to market
- Shared co development on your expertise combined with other expertise's external
- Finding relevant new contacts using the network and get introduced to it
- Get a warm introduction on the right level using personal contacts from the Enterprise Europe Network consultants
Our upcomming matchmaking events:
- Future Tech of Mobility Business Event, at the TT Circuit Assen (NL), is the place to be for mobility professionals from Europe. The event focuses on innovative mobility and is embedded in the Formula Student Netherlands 2018 design competition. More info HERE.
- Automechanika Frankfurt: International B2B event for automotive suppliers during Automechanika 2018, September 13th 2018, Frankfurt am Main. More info HERE.
- TIV Hardenberg Matchmaking 19-20 September: Active in the industrial supply chain, industrial services and looking for suppliers or clients in industrial production from mainly the Netherlands and Germany. Join in for free HERE!
- Holland Circulair Economy Week: Claim your spot at the Holland Circular Economy Week 2018! From June 11th until June 14th the Holland Circular Economy week will take place. Only limited tickets are available so make sure to claim your spot! Click here to go directly to the registration form.
Business : A German SME is looking for distribution partners for its new green system for the treatment of oils and dewatering of sludge
Business OFFER from Germany
A German SME, with a main activity in the treatment of sludge oils, used oils, oil/water-emulsions and oily water has developed a new green system for treatment of oils and a system for the dewatering of sludge. The system is in particular of importance for heavy oils and waste disposal systems. In order to expand its business, the company is now looking for distribution partners in Belgium, Denmark, the Netherlands or Poland.
Technology : Italian insects farming using renewable energy for chemical, agro, pharma and pet care applications
Technology OFFER from Italy
An Italian innovative startup, active in the biotechnology sector, is breeding insects into a pilot plant to create a production network which could satisfy economic, environmental and social needs with a high sustainability. The system will produce, via extraction from insects, molecules which will be used in the agriculture, chemical and industrial sector. The startup is looking for investments in the form of joint venture or financial agreement.
Technology : Filter based back-flushable dust collector for hazardous dust, for licensing or patent acquisition.
Technology OFFER from Sweden
A Swedish cleantech SME has developed a safe and highly efficient, filter based, back-flushable dust collector for hazardous dust, for example asbestos and silica dust. The device is divided into one fixed clean part and one dismountable contaminated part, which can be changed without the risk for environmental exposure. The SME seeks industrial sector partners for the acquisition of the patent via commercial agreement with technical assistance, or use of the patent via license agreements.
Business : German SME has developed technical beehive for bee monitoring and seeks distribution partners
Business OFFER from Germany
A German start-up company from Baden-Wurttemberg has developed a monitoring system to identify reasons for increasing bee mortality. The system is based on a technical beehive equipped with a scale, a solar roof for independent energy supply and a tec-frame with sensors, which collect data of 32 different gases incl. toxic gases, humidity inside the hive, outside and inside temperature and sound. GPS is also installed against theft. The SME is looking for a distribution agreement.
Business : Spanish company offering equipment for the mechanical treatment of wastewater is looking for distributors and agents.
Business OFFER from Spain
Spanish company based in Barcelona offers state-of-the-art equipment for the mechanical treatment of wastewater, municipal and industrial water. The mechanical equipment is suitable for all sorts of wastewater treatment plants, water resource recovery facilities and sewage treatment plants. The company is searching partners for commercial agency and distribution agreements
Business : Polynesian company specialized in the collect and transportation of dangerous waste is searching for partners providing materials, equipments and treatment solutions in Europe
Business REQUEST from France
The company, based in Tahiti, is specialized in the waste recovery, recycling of industrial waste and the environmental protection. The company looks for partners and suppliers, specialists in equipment and in solutions for treatment industrial losses. The company favors the type of cooperation based on "the agreement on the services" and "outsourcing agreement". It targets European countries.
Business : An Israeli air-conditioning and heat pump manufacturer has developed a unique condensing unit for air-conditioning systems and is seeking for commercial agency agreement and/or business partnership
Business OFFER from Israel
An Israeli company specializing in the field of HVACR (heating ventilation, air conditioning and refrigeration) has developed an innovative condensing unit for air conditioning systems. Advantages include installation inside the building, energy efficiency for power consumption saving, using ducts with minimal noise disturbances etc. The targeted partners are both industry and business bodies. The company is looking for commercial agency, distribution services and joint venture agreement.
Business : French SME laying soft cast floor mats looking for supplier of rubber granulates
Business REQUEST from France
A French SME designing and manufacturing outdoor children and sports playgrounds made of soft cast floor mats using ethylene propylene diene monomer rubber (EPDM) granulates is looking for new suppliers of such granulates with full guarantee on their low environmental impact. It is interested by an outsourcing agreement
Technology : Method and device for adsorptive catalytic cleaning of contaminated gas streams
Technology OFFER from Germany
A German environmental research centre developed a method and device for efficient cleaning of contaminated gas (namely air) streams. The approach is based on linking several sub-steps in a way that contaminated gas flows can be cleaned continuously with minimum energy consumption and with high flexibility. The centre is looking for partners for technical cooperation agreements and commercial agreement with technical assistance.
Technology : Process and apparatus for selective dielectrically heating a particulate bed using elongate electrodes
Technology OFFER from Germany
A German environmental research centre developed a process and apparatus for selective dielectrically heating a particulate bed using elongate electrodes. The invention supports the warming up of soil beds and materials with the help of rod-shaped electrodes. The research centre is looking for partners in the field of remediation practice for validation, optimisation and adaption for to specific needs under technical cooperation agreement and commercial agreement with technical assistance.
Research & Development : ICT and Sensor Technologies for Preservation of Environment Project proposal under EEA and Norway Grants Fund for Regional Cooperation Call ICT engineering companies/municipalities/environmental institutions/NGO partners needed
Research & Development REQUEST from Bulgaria
A Bulgarian university is looking for partners to participate in the EEA and Norway Grants Fund for Regional Cooperation Call 2018-01. The project will focus on the use of ICT for monitoring and environmental mapping and on the improvement of social dialogue on environmental matters. Partners from the Balkan countries are needed to complement the project consortium – preferably ICT engineering companies, municipalities, environmental institutions or NGOs.
Research & Development : Horizon 2020/ MSCA: Researcher in optoelectronics /photonic sought
Research & Development REQUEST from Germany
A German precision engineering company is looking for a researcher in optoelectronics/ photonic with technical skills for the development of remote sensing devices to detect the speed of particles and objects based on the companies patented core technology. The aim is to commonly apply for a MSCA Individual Fellowship grant under Horizon 2020 (MSCA-IF-2018).
Technology : Industrial production of magnetite micro- and nanoparticles : a magnetic iron oxide for a large range of applications
Technology OFFER from France
A French start-up specialized in recycling ferrous byproducts has designed a new process for the industrial production of magnetite. By producing it through the recycling of ferrous wastes, they enable a high volume and low cost production of those materials and unblocks the development of new applications such as wastewater treatment or soil remediation. Partnership can be considered via commercial agreement with technical assistance, technical cooperation or joint venture agreement.
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5Dimes Sportsbook Review - U.S. Friendly Sportsbook
While it isn't the most impressive looking specimen, don't judge 5Dimes Sportsbook by its appearance or lack of pop it has compared to other USA online sportsbooks. The no-frills design of the online sportsbook is one of the main reasons why bettors seek out a 5Dimes sportsbook review. Speaking from experience, this sportsbook is a really good option for bettors in the United States. The bottom line is that 5Dimes just works. It is as reliable as they come and they have been in business since 1998 so you know they're not going anywhere any time soon.
Not only that, 5Dimes makes everything easy which is another reason for its simplistic design. When you combine that with the betting options they have like parlays, teasers + pleaser wagering options, huge selection of sports, bonuses, deposit methods, and payouts they are the complete package.
All of these topics and more are covered as you read through this 5Dimes Sportsbook review as it was designed to inform even the most novice of sports bettors about the ins + outs of this offshore bookmaker.
5Dimes Basics:
|5Dimes Website:
|5Dimes Location:
|San Jose, Costa Rica
|Where is 5Dimes Legal?
|All US States
|5Dimes Deposit Methods:
|5Dimes Payout Methods:
|5Dimes Bonuses:
|50% up to $520
|5Dimes Customer Service:
|5Dimes Telephone:
Does 5Dimes Sportsbook Accept US Players?
Yes, in fact, players from all 50 U.S. states are allowed to participate in any form of gambling that 5Dimes has to offer. There are a few restrictions as far as deposits and withdrawals for users that resident in Washington and Arizona, however, they are still allowed to join and make wagers freely. We'll get more into the deposit aspect of 5Dimes a little bit later. Visit 5Dimes
Is It Legal to Bet Sports at 5Dimes?
This really comes down to your definition of "legal". If to you legal means that you will not get in trouble for doing it, then absolutely. If your definition of legal is exactly what the law books say, then it may not be "legal" in your state. Fact is, there are a few states which specifically forbid all forms of online gambling but it is never enforced on the level of the users.
The aim of any state's legislation on online gambling is only to keep gambling sites from operating within their state and to deter users from using them instead of visit state-run establishments which generate revenue for the state. The bottom line is that you are safe betting at any sportsbook that welcomes U.S. players, including 5Dimes, and millions of other U.S. citizens already do so.
Read More About Legal Sports Betting In The U.S.
Minimum Gambling Age At 5Dimes Sportsbook
5Dimes specifically states that you must be 18 years old in order to use their service. Failure to do so can result in account suspension, lost funds, and unpaid withdrawals. Just like any other sportsbook, you must obey the rules at 5Dimes. And, you may want to consult our guide to legal age to wager on sports to see what the minimum age is in your local area. The legal age to bet on sports is 21 in most states, so verify this information prior to signing up at 5Dimes.
How To Sign Up For A New Account - 5Dimes Registration
To get access to all of the real-money wagers available at 5Dimes, you will need to create an account. This account will cost you nothing to join or maintain, and you only deposit what you want to wager within the parameter of the funding options.
It will take just a couple of minutes to have your new 5Dimes account up and running and ready to be active with legal online sports betting. Your account will be safe and secure, fully functional after verifying it through email. You will have your own login and password to access your account.
5Dimes Sportsbook Bonuses, Bonus Codes, And Other Promotions
New players get a nice match bonus of 50% when depositing between $100 and $400, which equates to up to $520 in bonuses. The reward gets even bigger if you deposit over $400 because 5Dimes will add another 20% bonus to your deposit and extend the limit to $2,000.
One of the best sportsbook deposit bonuses for Americanson this site is the reduced juice reward, which allows you to reduce to "juice" you pay on each bet. These options are posted on the day of each event. Juice is essentially a small fee the book charges on each bet won. If you lose a bet, no juice is taken. Reducing that payment is a great way to maximize your payout.
This site also allows up to $500 free-play money depending on how you replenish your account. 5Dimes bonuses are continually improving and if something changes, we'll be sure to have it here. Visit 5Dimes
Deposit Bonus Rollover at 5Dimes
The rollover requirement at 5Dimes works a bit differently than others. It's based on the number of times that the original deposit is wagered. For example, once the full deposit is wagered once, bettors will be able to unlock 10% of their bonus. This continues on up until the 10th time the deposit is bet. It's a variation of a 10X rollover, where the bonus amount becomes available the more a player bets.
5Dimes Betting Lines And Odds
While some sportsbooks offer a wide range of sports, but not a lot of options into each one, 5Dimes provides a huge buffet. Not only does it offer everything from football to motorsports, Olympics betting has a big menu. A 5Dimes review shows an easy interface that allows you to select the sport first, and then the specifics.
For instance, choose "Olympics" and over 15 options appear to wager on the games and it doesn't stop there. Major sporting leagues here and abroad are always available for wagering such betting on MLB baseball. If you like to bet on both American and International sports, there practically is no downtime between waiting for events to begin. You could literally bet on sports 24 hours a day at 5Dimes.
5Dimes Live + In-Play Sports Betting Odds - 5Dimes' users have the opportunity to be thrown right into live action taking place in the sports world through 5Dimes. The live sports betting and in-play betting lines offered will give bettors plenty of chances to place wagers on a contest. This takes betting on sports to a whole other level, stemming away from betting on game lines prior to the matchup starting, and placing bets as the game progresses. There can be some advantages to betting on games in play through game trends. For example, second-half in-play betting lines for NFL football or basketball are frequently formed based on the flow of the first half. As a bettor, this is an opportunity to take practical results and apply them.
Betting during a game is going on is one of the neatest features at 5Dimes. It's not the only sportsbook that does this, but 5Dimes definitely does it better than most. The live action is in real-time and comes with betting odds that you won't find anywhere else. The unique lines are certainly something that separates 5Dimes from other sportsbooks and is a big reason you should at the very least see what they have.
Deposit Methods Accepted At 5Dimes
5Dimes accepts so many different deposit methods that you will easily be able to find one that suits your needs. The cashier has a list of North American funding options to take the guesswork out of which banking methods apply to bettors from the USA. There are same-day deposit options but there are also those that will take a few days to be credited to your account. You will also find that there are varying minimum and maximum deposit amounts depending on how you choose to make your deposit. Some methods are preferred more than others, and we will give you a list of the most popular USA deposit options.
Bitcoin has crept its way up to the top of the 'most reliable deposit methods' list. You can quickly transfer bitcoins to your sportsbook account without having to worry about the transaction getting declined or pending for days. With the bitcoin address provided by the 5Dimes cashier, you can transfer bitcoins directly from your BTC wallet. Bitcoin is hands down the fastest method when you want to start wagering within a few minutes. Tip: if you want a higher deposit limit, customer service will typically raise your BTC maximum.
|Processing Time:
Credit Cards
Most bettors would agree that credit cards are the most convenient way to make a sportsbook deposit. Enter your Visa or MasterCard number, and you can instantly start wagering on sports. Credit card deposits are processed 24 hours a day, 7 days a week.
|Processing Time:
Person to Person
5Dimes has two different person to person options and the participating providers do change. You may be able to use services such as Western Union or MoneyGram, but you will always want to verify this and any applicable fees with the cashier. Depending on the service provider and amount, your transaction fees may be reimbursed.
|Processing Time:
|$5 to $30
|4 to 6 hours
Money Orders
You can purchase money orders at convenience stores, grocery stores, gas stations, and other local retailers. The sportsbook requires that bettors send money orders via FedEx, and any shipping fees will be covered for deposits of over $1,000.
|Processing Time:
|No Limit
|Within 12 hours of receipt
Payout Methods Accepted At 5Dimes
5Dimes Sportsbook Payouts, Payout Times, And Withdrawal Options There are even more withdrawal options at 5Dimes than there are deposit methods. 5Dimes is well respected when it comes to delivering players their payouts within a reasonable timeframe, and there have been no major complaints regarding the reliability of different options. 5Dimes currently has withdrawal methods that all have specific fees, delivery speeds, and processing times. The cashier processes most payout requests from 9am-1pm Mon-Thurs, however, you should always look at the schedule in the funding chart because it is subject to change. 5Dimes also has a payouts rewards program, where the fees are covered for one withdrawal per month. You can choose to transfer your winnings to a sportsbook, use a person to person method, or opt for any of the methods listed below:
Bitcoin rewards its bitcoin exclusive users by offering no limit on the amount that you can withdraw. Otherwise, the withdrawal limits are still high for those that have deposited with other methods. The cashier will send you a verification email that must be confirmed before the bitcoin request can be processed. After that, you can expect your bitcoins in your wallet within a few hours.
|Processing Time:
|Within 48 hours
Bank Wire
When you request a bank wire withdrawal, the cashier will send cash directly to your personal checking or banking account. It is convenient not having to wait for something in the mail or having to drive to the bank to cash a check. You will first have to verify with the cashier that you are eligible for the method because not all banks participate. You should also keep in mind that your bank may charge an additional fee to accept the transfer.
|Processing Time:
|Within 6 business days
Cashier Check
Cashier checks are delivered to your door by FedEx, and you can then cash the check at your local bank. The cashier will mail out the check within 48 hours of your request as long as it was submitted before 1:00 pm Mon- Thur. It is important to note that the maximum for those who reside in Hawaii, Alaska, Maryland, and Oklahoma is $3,000.
|Processing Time:
|$40 to $80
|Within 10 business days
Contacting 5Dimes Support - Toll Free Phone / Email / Live Chat Available
For help, all you need to do is visit the customer service page which lists contact phone numbers for questions on specific sports betting related questions. For new accounts, contact 1-877-322-7501 for information. Existing account holders can call 1-800-430-5896, 1-800-305-3517 or 1-800-243-7890 to get immediate help.
Another reliable and instant method is using their live chat support found on their website. Within a minute you will be chatting with a representative that can assist with any issue that may come up. Most users like using this option but the option to send an email to firstname.lastname@example.com is also available but it is definitely not as fast.
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University Leadership
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Your unique leadership journey starts at Simmons. You'll define what success means to you, and we'll help you get there.
At Simmons, leaders make themselves. You won't sit back and wait for eureka moments. You won't hope for explicit instructions to land in your lap. Rather, you'll work, discover and evolve.
Accessible and accountable, our administration leads by example. And we hold firm to one purpose: to work for you.
At Simmons, you'll roll up your sleeves and contribute to a unique community of curious, compassionate and ambitious people. Your future starts here.
Whether you're coming straight from undergraduate study or making a change mid-career, our programs will help you make your next move.
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NewsStudent Stories2016AprilKara MacLean '16 on Running the Boston Marathon
April 15, 2016
Definitely clinical. Being in the center of the medical mecca of the world is something I'm so grateful for. I've been shadowing some of the most respectable nurses in the profession at some of the best hospitals in the world. What else could you ask for in a nursing program!
Last semester I was placed at Massachusetts General Hospital on an oncology floor and at the VA in Jamaica Plain and West Roxbury. This semester I'm doing my OB/GYN clinical at Brigham and Women's Hospital. I will also be doing my pediatric clinical at Children's Hospital.
My first fall semester at Simmons, I realized that we did not take Veteran's Day off. I'm from a long line of military members and I have a lot of respect for all the men and women who give their service for us. I wrote a letter to President Drinan and The Voice stating my thoughts. The next academic calendar came out with Veteran's Day off. I felt very proud to be a part of Simmons and a part of a school where you truly have the power to make change.
I feel proud to have been one of the co-captains of the cross country team for the last 2 years. I love racing, who I run with and my coaches. Cross country has been my outlet from stressful schoolwork and it has been so fun and challenging.
My dad inspired me to run when I was very young. He was a Boston Firefighter and would take me into the city to go on runs with him. Every year he took me in to watch the marathon. I promised myself I would run it as soon as I was 18. I ran the Buffalo Marathon — but missed qualifying for Boston by 15 minutes. I'm now running Boston and raising money for Tufts Medical Center. Running the Boston Marathon has been my number 1 dream from the very first time I watched it.
I try to run 6 days a week and do strength routines at least twice. I mapped out times to run that fit into my schedule for the semester. I usually just run on the Charles because I know how many miles it is to each bridge. I pretty much run anywhere though and try to discover new places so I don't get bored.
It differs. Usually I get hooked on one song though and literally put it on repeat for the entire run. Right now I'm between The Way by Fastball, Genghis Khan by Miike Snow and Stolen Dance by Milky Chance.
It's hard to get out of bed in the cold. It takes some serious pep talk from myself to get going. There have also been runs that I consider failures. Every runner has days when it's just not happening. Those runs where you suddenly have to stop and walk. Those are mentally challenging, but it happens to everyone.
Thinking about this gives me the chills. I have run by that finish line countless times and every time I can't help but imagine what it would be like to cross it after running the marathon. I will definitely be crying and I will probably be looking for my dad. I can't wait to see the look of pride on his face. This is because of him and I am dedicating this run to my father and my mother. I cannot say enough about the people who have supported me through this and through everything. The mentors in my life continue to drive me every day and they will drive me right up to that finish line.
Kara and her father after finishing a half marathon.


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Shirdi Sai Baba gave the Hindu name Dwarakamayi to the mosque in which he lived.
To provide meal arrangement for most of devotees at a time, Daily 27,000 devotees can take the Sai prasad bhojan.
Shirdi Sai Baba returned to Shirdi in 1858. He appeared at the Khandoba Mandir in Shirdi.
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Are the almond and hazelnut butter jars, squeeze packs and snack packs free of peanut cross-contamination?
Although we do not add peanuts or soy into our almond or hazelnut butters, you will see a "contains traces of.. due to shared equipment" statement disclosed on the label because they are produced on machinery that processes peanuts, various tree nuts and soy ingredients for other products. While there is an extensive sanitation process between each batch, the reason we are making this change is due to our company's primary fundamental – safety. Our prior and current labels similarly disclose the possibility of cross-contamination.
Justin's has chosen to partner with several world-class facilities to produce our high-quality products. Due to high demand, these facilities also process other products containing peanuts, various tree nuts and soy products.
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Emily Lorelli
April 28, 2010
What a wonderful — and so so true — reflection and capturing of what it is like to parent in general and especially in church. I find it so humbling that even on those Sundays when we find ourselves so turned in and around and upsidedown with care and self-doubt, that the chalice is always there for us — the mystery. Thank you for this poem and your reflections; they are both lovely.


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I'm a huge lover of comfort food, even more so when you can cook it quickly – ingredients thrown together in one pot, transforming into an amazing meal that solves all your life problems; pure heaven. One thing I don't cook a lot of anymore is pasta and tomato sauce; I think at one point in my life pasta and tomato sauce was a weekly ritual because it's so easy to cook, and nearly every other week I was devouring a bowl of my Dad's bolognese (oh how times have changed).
Both of these dishes were brilliant examples of hearty dishes that can do your tummy no wrong, so when I was looking for something filling and comforting to eat the other day, I thought to myself 'why not try to make a vegan bolognese?' I tried a similar recipe a while ago when I tested out a home delivery service from Gousto, but decided to give it my own simple twist – nothing too fancy, just straight up healthy versions of a classic dish that every body loves with a kick that will make you want seconds again and again.
2 Sweet Potatoes, Peeled | 6 Mushrooms | 3 Red Onions | Tomato Sauce | Garlic | Chilli | Balsamic Vinegar | Mixed Herbs | Quinoa or Pasta of choice
1. Heat some oil in a frying pan with the chopped garlic and on a medium heat, soften the sliced onions until the white has turned clear.
2. Dice and peel the sweet potatoes, combining with the onions and allow to cook for 5 minutes before adding in the tomato sauce and turning up to a high heat to cook the veg through.
4. When you've added your sauce, flavour to taste with balsamic vinegar, chilli and mixed herbs until it tastes full bodied, comforting and just as good as when your Dad made it (minus the wine, add wine if you want to go all out on the flavour!).
5. Whilst the sweet potato is softening, grate your mushrooms until it resembles minced beef – if there's chunks, that makes it all better for texture! Stir in the grated mushrooms and allow to simmer and infuse for 20 minutes on a low-medium heat before turning off the heat and mixing in your chosen base. Taste regularly to make sure the flavour is just right.
6. Serve at a just-hot temperature as it is or with some delicious greens – I like mine with spinach, avocado and, surprisingly, beetroot (the flavour is amazing!) Quick home cooked comfort food – done.
This makes enough for 4 or if you're looking for batch meals, this can last up to 2/3 days in the fridge (I had it for dinner, lunch and then dinner again – I'm literally a potato now). Whether you're looking for a healthier alternative to a classic or just want some quick good ol'fashioned simple comfort food, you cannot beat a bit of bolognese.
Are you a fan of bolognese? Will you be trying this vegan alternative? What is your favourite comfort food?
Lots of Love,
Lauren x
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While public relations and marketing are not the same thing, it's not uncommon to confuse the two. There are, after all, similarities between the two disciplines: Both aim to help a company achieve its goals, increase the public's awareness of its mission, and promote its products. How each goes about doing that is where the difference lies.
It's worth pointing out the definitions of public relations and marketing to highlight some of the differences between the two. The official definition of PR, from the Public Relations Society of America, is: "….a strategic communication process that builds mutually beneficial relationships between organizations and their publics."
PR focuses on developing relationships. In contrast, the definition of marketing, from the American Marketing Association, is "…the activity, set of institutions, and processes for creating, communicating, delivering, and exchanging offerings that have value for customers, clients, partners, and society at large."
Goals and Targets
Communication lies at the heart of both PR and marketing, although the goals and the target audiences for each tend to vary. The goal of marketing is to sell products to a customer while the goal of public relations is to build a relationship with that customer.
The customer is often a target for both marketing and PR, but PR typically also targets a number of other stakeholders, including potential investors, the media, and others who would have an interest in what a company is doing and in helping it to achieve its goals.
Who's In Control
Another difference between marketing and public relations is who is in control of the content and information. In the case of marketing, a company or brand has full control of what goes into the advertisement or other marketing material.
When putting together an ad, company executives have the final say in how it looks and is presented (just think of all the scenes in the TV series "Mad Men" where the creative team worked hard on a new slogan or imagery, only to have a client reject it outright or want their own ideas used).
In the case of PR, the control shifts to the media and to the journalists or bloggers who are writing a story about a company. While this can seem to be a disadvantage to company, it often works in the company's favor.
In March 2014, Inpowered commissioned a study examining the role of content in a customer's decision making process. The study found that "expert" content, compared to user reviews or branded content, was the most likely to have a positive influence on a customer's decision to purchase an item. Expert content increased purchase consideration by 83% compared to user reviews and by 38% compared to branded content.
So, while journalists or bloggers are the ones in control of the so called expert content, relinquishing that control to them has the effect of making their opinions about a company or product seem more credible and genuine.
Earned vs. Paid Media
Marketing tends to use paid media to get a message out to consumers. The company is in full control of purchasing it, and often pays a considerable sum to put it out in front of people.
Earned media is the province of PR. It doesn't cost a company much out of pocket (aside from the cost of, for example, writing and distributing a press release or executing a social strategy). As a result, the return on investment for earned media is typically much higher than the ROI for paid media. Since a company isn't putting much money upfront, it has little to lose if a campaign doesn't net many new customers.
Of course, the downside of earned media is the control issue. It's all well and good if a journalist or blogger publishes a positive story about a company. But, if the journalist takes issue with a particular business practice or questions the company's manufacturing practices, earned media can end up costing a business.
Although they are different, marketing and public relations aren't mutually exclusive. Your business doesn't need to focus on one and ignore the other. Both can be a part of a successful communications strategy. And ideally, the two disciplines will be strategically coordinated, so that each can leverage the results of the other.


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A Thank You to All Vestry Members
On behalf of the Episcopal Church Foundation (ECF), I want to thank all new vestry members, as well as those who are returning for another year of service to your congregation. Serving on a vestry is holy work that requires constant faithfulness, commitment, and openness to the movement of the Spirit. In partnership with the clergy, you are responsible for the spiritual, strategic, and financial well-being of your congregation – in other words, the very heart and soul of the church!
As a former vestry member myself, I am familiar with the challenges and joys, and ups and downs, that vestry service brings. Know that I, as well as all of ECF's staff, will keep you in our prayers as you embark on this exciting leadership journey, discerning what God is calling your congregation to be as the Body of Christ in your own particular time and place.
Finally, know that ECF is here to help. As an independent, lay-led organization, ECF exists to help congregations thrive. We've included just a few resources below that I hope you will find helpful as you begin your new year of vestry service. Most importantly, feel free to be in touch with us at any point along the way. We'd love to hear from you.
With hope and best wishes for your New Vestry Year!
Donald Romanik
President of the Episcopal Church Foundation
The New Vestry Resource Guide: Whether you're a first time vestry member or a seasoned veteran, the Vestry Resource Guide offers an approach for leaders of congregations and faith communities to consider and tailor to meet their own needs. Topics include the ministry of the vestry, leading a community of faith, stewardship, and navigating transitions in clergy leadership. The newVestry Resource Guide is available in English or Spanish, and in both print and e-book formats, and is available
The ECF-Kanuga Church Leadership Conference takes place on February 19-21 in Hendersonville, North Carolina, and brings together vestries and other church leaders for learning, reflection, and formation. It's a time and space for vestries to ask the big questions facing their congregations, featuring outstanding speakers and workshop leaders presenting ideas and resources, not only to inspire, but also for practical tools in ministry.
ECF Vital Practices - Reboot Your Vestry: For many, the beginning of a new calendar year represents an opportunity to 'reboot' things that just aren't working as they should. To kick off the new year, ECF Vital Practices invited experienced leaders from across the Episcopal Church to share a leadership approach, experience, or strategy for refreshing or renewing a vestry or other leadership team. Their offerings are available in the January and February issue
ECF Webinars on Vestry Leadership: Get 2016 off to a great start! ECF's free webinars are a great way to get your congregational leadership teams engaged in the strategic, leadership, and financial topics that are essential to the health of your congregation. This winter's lineup includes vestry orientation, endowment investment strategies for 2016, senior warden ministry, vestry retreat planning, and basics of a capital campaign. Get your teams !


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RM102 for a 4-Course Italian Meal + Magic Show at J&P Magic House (worth RM197.20). More Options Available
- Experiential dining with Italian cuisine, accompanied by magic and illusion performances by international magicians.
- Chef with up to 15 years of experience.
- Located near nightlife hub of Changkat, Bukit Bintang.
- Wi-Fi available.
[Grab it now with RM102.00 @ Groupon]
The deal
- 4-course meal + magic show for RM102 instead of RM197.20
- 5-course meal with drinks + magic show for RM125 instead of RM290
Each person gets
4-course meal
- Starter: Insalata di cesare
– Roman lettuce, croutons, boiled eggs, and Caesar dressing
- Soup: Minestrone
– Mixed vegetables in light tomato soup
- Main course (choose 1):
– Fussili carbonara: Fussili pasta, mushroom, onion, parsley, and white cream base
– Spaghetti bolognese: Spaghetti, minced beef, celery, onion, carrot, and tomato base
– Spaghetti aglio olio e gamberi: Spaghetti, prawns, garlic, chilli, parsley, diced tomato, and olive oil
- Dessert: Panna cotta
5-course meal
- Starter: Carpaccio di manzo
– Mixed green salad, feta cheese, and honey mustard dressing
- Soup: Erema di funghi
– Mix wild mushrooms, onion, celery, and croutons
- Main course: Spaghetti aglio olio e gamberi
– Spaghetti, prawns, garlic, chilli, parsley, diced tomato, and olive oil
- Second main course (choose 1):
– Bistecca di manzo: Pan-seared marinated beef, mashed potato, mushrooms, and black pepper sauce
– Barramundi al forno: Baked baramundi, asparagus, and red caviar and thyme cream sauce
– Oillo alla primavera: Baked marinated spring chicken, baked potato, and black pepper sauce
- Dessert: Tiramisu
- Drink:
– Click here for full list of drinks
Dinner schedule
- Dinner and showtime sessions (choose one):
– 8pm
– 10pm
– 12am
- Performers:
– Kazu: Winner of the People's Choice award in the Asian Games of Magic
– Takahashi Twins: Twin brothers specialising in table magic
– Taka: Magician with training experience of four years with one of Japan's largest illusionist collective
J&P Magic House Bar & Restaurant
J&P Magic House Bar & Restaurant features a novel dining experience, melding magic shows and optical trickery with flavourful combinations of Italian cuisine dinners. Dazzling the vicinity of Changkat, Bukit Bintang with displays of showmanship and vanishing volunteers, the experiential eatery sprung into the fold of nightlife haunts by virtue of Japanese expatriates Hiroyuki & Taeko Hasegawa. Their affinity for illusions and magic now culminates in nightly showtimes, bringing to dinner the expertise of a cast of four international magicians – Kazu, Taka, and the Takahashi twins, each with their individual brand of visual wizardry. Prior to magic shows, diners are treated to a selection of servings ranging from seafood risotto, capellini and fusilli pasta served with spiced lamb accompaniments or creamy carbonara, to grilled octopus and rocket leaves salad. Post-dinner arrangements then usher diners past dining spaces and into the upstairs lounge, providing further stints of teasing taste buds and contemplating card tricks with an accompaniment of various wine selections.
J&P Magic House Bar & Restaurant does not serve pork, but offers alcohol on its menu


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2017-10-11 / Sports
From the Press Box
A good win for the Early County Middle School football team. They defeated Randolph Clay. Also the Early County Lady Cats softball team won one of the three region playoff games against Berrien County. The Lady Cats will advance to the State Playoffs.


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Its here!
The big 30 has hit me today!!
I have been dreading this day for some time but it hasn't been all bad!
This weekend I went to Blackpool with 7 friends, we went to Funny Girls (which is a cabaret drag show)...it was amazing!!! I had the best time! We had brilliant seats and waitress service all night, a fantastic way to celebrate a birthday.
We went to the Pleasure Beach too and went on some of the rides, Steeplechase being the funniest ride I have been on!! Its like a carousel horse on a roller coaster track, you sit in pairs on a horse and there are 3 horses in a row. 6 of us went on the ride - 2 on each horse - and they start together and its a race to see who finishes first. Well, I haven't laughed so much for ages!! My horse came last! Typical!!
Thank you to the girlies for making it so special xx
|Blackpool beach
|Tia Maria and coke - my first birthday drink!!!
|My birthday cake from the girls.
|Me and my sister at Funny girls!!
Today, though, I have had quite a lazy day - sat on the sofa watching the Dexter series! My Mum has been to see me and my good friend Nikki too. She even bought me a balloon!!
I have had beautiful flowers, lots of cards and I haven't felt as moody as I thought I would!!! At least I managed to get out of bed!
Oh and Happy Valentines day too everyone!!!!


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Membership costs just £3 per month
The project site in Muirton, Perth, is currently designated as an area of stalled space. The site has been cleared for a housing development but due to an economic downturn, development has been delayed.
Buglife is working in partnership with the Tayside Biodiversity Partnership and Perth and Kinross Council to create a temporary greenspace. The creation of a colourful and species-rich wildflower meadow has provided a vital food source for pollinating insects as well as providing important habitat for other wildlife.
The wildflower meadow has also helped to improve the appearance of the local area within Muirton by adding colour and life providing a healthier environment for local people. The Muirton's Buzzing project has involved the local community in creating wildlife havens within the surrounding areas of the project site in Muirton.
During meadow creation, sub-soil was spread across the area and a diverse wildflower seed mix of known provenance was sown. The seed mix included the annuals Corn marigold (Glebionis segetum), Field forget me not (Myosotis arvensis), the biennials Wild carrot (Daucus carota), Vipers bugloss (Echium vulgare) and the perennials Common knapweed (Centaurea nigra) and Field scabious (Knautia arvensis) as well as many other species.
The meadow proved to be very popular with pollinating insects including Small tortoiseshell butterfly (Aglais urticae), Marmalade hoverfly (Epysyrphus balteatus), Buff tailed bee (Bombus terrestris), Common carder bee (Bombus pascuorum) and Common wasp (Vespula vulgaris).


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Network Marketing – What Is TANI English
We would like to thank you for coming to our website in looking for "What Is TANI English" online.
Ethereum is an unbelievable cryptocurrency platform, however, if growth is too quickly, there may be some difficulties. If the platform is adopted immediately, Ethereum requests could improve dramatically, and at a rate that exceeds the rate with which the miners can create new coins. Under such a scenario, the entire platform of Ethereum could become destabilized because of the increasing costs of running distributed programs. In turn, this could dampen interest Ethereum platform and ether. Instability of demand for ether can lead to an adverse change in the economic parameters of an Ethereum based business that may lead to business being unable to continue to run or to cease operation.
The physical Internet backbone that carries information between the various nodes of the network is currently the work of a number of companies called Internet service providers (ISPs), including companies offering long distance pipelines, occasionally at the international level, regional local pipe, which ultimately links in homes and businesses. The physical connection to the Internet can only happen through one of these ISPs, players like degree 3, Cogent, and IBM AT&T. Each ISP operates its own network. Internet service providers Exchange IXPs, owned or private companies, and occasionally by Governments, make for each of these networks to be interconnected or to transfer messages across the network. Many ISPs have agreements with suppliers of physical Internet backbone providers to offer Internet service over their networks for last mile-consumers and companies who desire to get Internet connectivity. Internet protocols, followed by everyone in the network makes it possible for the information to flow without interruption, in the correct spot at the right time.
While none of these organizations possesses the Internet collectively these companies decide how it operates, and recognized rules and standards that everyone stays. Contracts and legal framework that underlies all that's taking place to ascertain how things work and what happens if something goes wrong. To get a domain name, for instance, one needs permission from a Registrar, which includes a contract with ICANN. To connect to the Internet, your ISP must be physical contracts with providers of Internet backbone services, and suppliers have contracts with IXPs from the Internet backbone to attach to and with her. Concern over security problems? A working group is formed to work with the problem and the solution developed and deployed is in the interest of most parties. If the Internet is down, you've got someone to call to get it repaired. If the problem is from your ISP, they in turn have contracts set up and service level agreements, which regulate the manner in which these issues are resolved.
The benefit of cryptocurrency is that it uses blockchain technology. The network of nodes the make up the blockchain is not regulated by any focused company. No one can tell the miners to upgrade, speed up, slow down, stop or do anything. And that's something that as a devoted advocate badge of honour, and is identical to the way the Internet operates. But as you comprehend now, public Internet governance, normalities and rules that regulate how it works current inherent problems to the user. Blockchain technology has none of that.
You've probably noticed this many times where you frequently distribute the nice word about crypto. It is not risky? What happens when the value accidents? So far, several POS systems offers free conversion of fiat, relieving some issue, but until the volatility cryptocurrencies is resolved, many people will be hesitant to hold any. We must find a way to fight the volatility that is inherent in cryptocurrencies.
For most users of cryptocurrencies it isn't crucial to understand how the procedure operates in and of itself, but it is fundamentally vital that you understand that there's a procedure for mining to create virtual money. Unlike monies as we know them today where Authorities and banks can simply select to print unlimited quantities (I am not saying they are doing thus, just one point), cryptocurrencies to be operated by users using a mining software, which solves the advanced algorithms to release blocks of monies that can enter into circulation.
Lots of people prefer to use a currency deflation, particularly those that want to save. Despite the criticism and skepticism, a cryptocurrency coin may be better suited for some uses than others. Monetary solitude, for example, is amazing for political activists, but more problematic as it pertains to political campaign funding. We need a stable cryptocurrency for use in trade; in case you are living pay check to pay check, it'd take place within your riches, with the remainder allowed for other currencies.
6 Level Hybrid Marketing Platform – What Is TANI English
In the event of a fully-functioning cryptocurrency, it could perhaps be dealt like a thing. Proponents of cryptocurrencies announce this kind of personal income is not governed by a fundamental bank system and it is not thus susceptible to the whims of its inflation. Since there are a minimal quantity of products, this moneyis price is dependant on market forces, enabling owners to industry over cryptocurrency exchanges.
Cryptocurrencies such as Bitcoin, LiteCoin, Ether, YOCoin, and many others have now been designed as a non-fiat currency. Quite simply, its backers argue that there is actual worth, even through there isn't any physical representation of that worth. The worth rises due to computing power, that's, is the only way to create new coins distributed by allocating CPU power via computer programs called miners. Miners create a block after a period of time that is worth an ever diminishing amount of currency or some type of wages in order to ensure the shortfall. Each coin includes many smaller units. For Bitcoin, each component is called a satoshi. Operations that take place during mining are exactly to authenticate other trades, such that both creates and authenticates itself, a simple and elegant solution, which can be among the appealing aspects of the coin. Once created, each Bitcoin (or 100 million satoshis) exists as a cipher, that is part of the block that gave rise to it. Anyone who has mined the coin holds the address, and transfers it into a value is provided by another address, which is a wallet file saved on a computer. The blockchain is where the public record of all transactions dwells. Most all cryptocurrencies function as Bitcoin does.
The fact that there is little evidence of any growth in using virtual money as a currency may be the reason there are minimal efforts to control it. The reason for this could be merely that the marketplace is too small for cryptocurrencies to justify any regulatory effort. Additionally it is possible that the regulators simply don't understand the technology and its implications, expecting any developments to act.
Mining cryptocurrencies is how new coins are placed into circulation. Because there is no government control and crypto coins are digital, they cannot be printed or minted to create more. The mining process is what makes more of the coin. It may be useful to consider the mining as joining a lottery group, the pros and cons are just the same. Mining crypto coins means you will get to keep the total rewards of your efforts, but this reduces your likelihood of being successful. Instead, joining a pool means that, overall, members will have a higher possibility of solving a block, but the reward will be divided between all members of the pool, based on the amount of shares won.
If you are thinking about going it alone, it's worth noting the software configuration for solo mining can be more complex than with a pool, and beginners would be likely better take the latter path. This option also creates a secure stream of revenue, even if each payment is modest compared to completely block the reward.
The wonder of the cryptocurrencies is that scam was proved an impossibility: because of the character of the method in which it is transacted. All deals on the crypto currency blockchain are permanent. When you're paid, you get paid. This is simply not anything shortterm wherever your customers can challenge or need a concessions, or employ dishonest sleight of palm. In practice, most dealers could be a good idea to make use of a cost processor, due to the permanent character of crypto currency orders, you should make certain that stability is tricky. With any kind of crypto currency whether it be a bitcoin, ether, litecoin, or some of the numerous additional altcoins, thieves and hackers may potentially gain access to your individual secrets and so take your money. However, you almost certainly can never obtain it back. It's quite crucial for you yourself to adopt some great safe and sound procedures when coping with any cryptocurrency. Doing this may guard you from all of these damaging activities.
Here is the trendiest thing about cryptocurrencies; they do not physically exist everywhere, not even on a hard drive. When you take a look at a special address for a wallet featuring a cryptocurrency, there is no digital information held in it, like in the exact same way that the bank could hold dollars in a bank account. It really is nothing more than a representation of value, but there's no actual tangible form of that value. Cryptocurrency wallets may not be seized or frozen or audited by the banks and the law. They do not have spending limits and withdrawal restrictions imposed on them. No one but the person who owns the crypto wallet can determine how their riches will be managed.
When searching online for what is TANI english, there are many things to think of.
What Is TANI English – Hybrid Binary
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You may run a search on the web. First learn, then models, indicators and most importantly practice looking at old charts and pick out trends. When you learn to keep a trading diary screenshots and your comment/forecast. Precisely what is the best way to get confident with charts IMHO. Oh certainly, and don't fool yourself into thinking that you get the uptrend will never decrease! Always will go down! You will discover that incremental profits are more reliable and profitable (most times)
as Ethereum. The platform allows creation of a contract without having to go through a third party. The third parties involved can include bank, credit card Company,
Entrepreneurs in the cryptocurrency movement may be wise to research possibilities for making substantial ammonts of cash with various forms of internet marketing.There could be a rich reward for anyone daring enough to endure the cryptocurrency marketplaces.Bitcoin architecture provides an instructive example of how one might make a lot of money in the cryptocurrency marketplaces. Bitcoin is an astonishing intellectual and technical achievement, and it has generated an avalanche of editorial coverage and venture capital investment opportunities. But not many people understand that and lose out on very profitable business models made accessible because of the growing use of blockchain technology.
It should be hard to get more modest gains (~ 10%) throughout the day. Study how to read these Candlestick charts! And I found these two rules to be true: having small gains is more lucrative than attempting to resist up to the pinnacle. Most day traders follow Candlestick, therefore it is better to take a look at publications than wait for order confirmation when you believe the cost is going down. Second, there is more volatility and compensation in currencies that have not made it to the profitableness of websites like Coinwarz.
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Cryptocurrency is freeing people to transact cash and do business on their terms. Each user can send and receive payments in the same way, but in addition they participate in more complex smart contracts. Multiple signatures enable a trade to be supported by the network, but where a specific number of a defined group of people consent to sign the deal, blockchain technology makes this possible. This allows progressive dispute arbitration services to be developed in the foreseeable future. These services could enable a third party to approve or reject a trade in the event of disagreement between the other parties without checking their cash. Unlike cash and other payment methods, the blockchain always leaves public proof a transaction happened. This can be possibly used within an appeal against companies with deceptive practices.
Since one of the earliest forms of earning money is in money lending, it's a fact that you can do that with cryptocurrency. Most of the giving websites now focus on Bitcoin, a few of these websites you happen to be needed fill in a captcha after a certain time frame and are rewarded with a bit of coins for visiting them. You are able to visit the www.cryptofunds.co website to find some lists of of these websites to tap into the money of your choice. Unlike forex, stocks and options, etc., altcoin marketplaces have very different dynamics. New ones are always popping up which means they don't have a lot of market data and historical perspective for you to backtest against. Most altcoins have quite inferior liquidity as well and it is hard to produce a fair investment strategy.
Bitcoin is the primary cryptocurrency of the web: a digital money standard by which all other coins are compared to. Cryptocurrencies are distributed, worldwide, and decentralized. Unlike conventional fiat currencies, there is no authorities, banks, or some other regulatory agencies. As such, it's more resistant to wild inflation and corrupt banks. The benefits of using cryptocurrencies as your method of transacting cash online outweigh the security and privacy risks. Security and seclusion can readily be attained by simply being intelligent, and following some basic guidelines. You'dn't put your entire bank ledger online for the word to see, but my nature, your cryptocurrency ledger is publicized. This can be fastened by removing any identity of possession from your wallets and thereby keeping you anonymous.
Just a fraction of bitcoins issued so far can be found on the exchange markets. Bitcoin markets are competitive, meaning the cost a bitcoin will rise or fall depending on supply and demand. A lot of people hoard them for long term savings and investment. This limits the quantity of bitcoins that are really circulating in the exchanges. In addition, new bitcoins will continue to be issued for decades to come. Therefore, even the most diligent buyer could not buy all present bitcoins. This situation is just not to imply that markets will not be exposed to price exploitation, yet there is certainly no requirement for large sums of cash to move market prices up or down. The merest occasions on earth market can change the cost of Bitcoin, This can make Bitcoin and any other cryptocurrency explosive.
This mining action validates and records the trades across the entire network. So if you are trying to do something illegal, it is not wise because everything is recorded in the public register for the remainder of the world to see eternally.
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In the case of the fully-functioning cryptocurrency, it may even be traded like a thing. Promoters of cryptocurrencies proclaim that this type of online income is not governed with a fundamental bank system and is not thus subject to the whims of its inflation. Since there are always a minimal amount of items, this money's importance is dependant on market forces, permitting homeowners to deal over cryptocurrency transactions.
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Innovative and tailored Financing Schemes for
Social Housing Refurbishment in Enlarged Europe
Czech Republic
The Netherlands
Country Surveys
Building Examples
Financing Examples
Flyer Download
Work in Progress
Information on Partners
National Steering Groups
National Stakeholders
Other VKA2-Projects
From day to day, Our project diary.
Having a first meeting in Cottbus, Feb 15/16th 2006
It is one thing to write a proposal and to convince the European commission and it is another thing to get a group of people feel enthusiastic about a common project.
Project meetings therefore play an important role to get to know each other, to find a common language for communication, to manage the activities of the project and to exchange experiences when visiting sites of practical interest.
InoFin's Kick-Off meeting took place at the Brandenburg University of Technology in Cottbus, where CEBra has its offices.
Where everything started
Working together in networks certainly helps to form partnerships for developing common proposals. The European OPET network is one origin of this partnership between Energy Consulting Network of Denmark and CEBra – Centre for Energy technology Brandenburg. The other is the LOCOSOC project where partners from Czech Republik, Slovakia, Bulgaria and Latvia already worked together.
LOCOSOC was a starting point to analyse the possibilities of energy efficient refurbishment for the social housing sector in Eastern Europe. Partners noticed that plenty of technical concepts are existing for the refurbishment but financing would be the crucial barrier.
Finding innovative financing schemes therefore became the basic idea of the InoFin project that was developed in late summer 2005 and submitted under the IEE 2005 call. As there was a positive evaluation negotiations could start in November 2005 and the final contract was closed at the end of the year.
InoFin Conference Lübbenau
Sep 17th and 18th 2007
Join the InoFin Conference in Lübbenau on Sep 17th and 18th 2007
supported by
InoFin is managed by:
CEBra - Centre for Energy Technology Brandenburg GmbH
Friedlieb-Runge-Straße 3 · 03046 Cottbus, Brandenburg, Germany
Phone +49 (0) 173 53 53 105