text:
FDIC Seeks New Definition of Community Bank
Show more sharing options
Share Show more sharing options
Executives hail new effort at dialogue and hold out hope for 'tiered regulation,' but the extent of actual reforms remains to be seen.February 16
A group consisting mostly of community bank CEOs used the FDIC's first conference on smaller institutions to urge resistance against onerous legislation and common sense for regulation.February 16
Why community banking is crucial to the nation's long-term growth.February 15
WASHINGTON — The Federal Deposit Insurance Corp. is embarking on an ambitious study to better understand community banks in this country, but observers may be surprised at which institutions made the cut.
In launching the study — part of a broader agency effort to reach out to community banks — FDIC researchers are looking beyond just how big a bank is to decide whether to include it.
While community banks are traditionally defined strictly in terms of their size, the FDIC is choosing a more nuanced model. Though there is a general cut-off of $1 billion of assets, banks above that threshold may still be considered "community" if they have a narrow geographic scope and high amounts of loans and core deposits. Firms below that level, however, are not automatically included if they lack high loan levels and core funding or have a narrow purpose.
"We wanted our community bank research project to be based on a common definition of a community bank" but "we wanted to get away from size as a sole determinant of what is and what is not a community bank," Richard Brown, the agency's chief economist, said last week at an FDIC conference on community banking where the study's initial finding were unveiled.
Besides establishing a new definition of community banks, the study's early findings confirm the impact of consolidation on smaller institutions, while offering signs of the sector's continued prosperity.
It also identifies the Midwest as the region where community banks are most prevalent, and provides data on which types of community banks have been most prone to failure.
Brown said looking at more than size allows researchers to also consider characteristics of an institution's business model that are unique to community banks.
"One of those attributes is a primary focus on lending and deposit-gathering. Another attribute is a relatively limited geographic scope of operations," he said. "Community bankers tell us that they have local ownership, they make decisions locally and it's based on their knowledge of the local market area. They also tell us there is a different way of doing business at community institutions. Some researchers … have described" community banking as more "relationship lending instead of transactional lending."
In a further sign of concentration of industry assets in the biggest firms, the study's early findings show that non-community banks on average are 64 times larger than community banks ($17 billion compared with $280 million.) By contrast, that size disparity was just 12 times in 1985.
"While community bank assets grew by one third over this period, the non-community banks saw their total assets grow by four and a half times," Brown said.
But Brown also shared more optimistic indicators for the sector, including that among banks that had under $100 million of assets in 1985, more of them are still operating today compared with other asset classes.
"How is it that the smallest group of institutions can survive more often, and fail and merge less often, than any other sized group, and still account for all of the net decline in the number of charters during that period?" he said. "The answers in a nutshell are growth and new charters. Of the institutions that started out with under $100 million in assets, some 20% of them — almost 2,900 institutions — survived the entire period and grew into one of the larger size groups."
The FDIC's research definition for "community banks" starts with a cutoff of $1 billion of assets, which is a common approach for other academic work, Brown said. But smaller companies with either 10% foreign assets-to-total assets, over half of their operations in specialty charters such as industrial loan companies or a lack of any loans or core deposits were canceled out. Bigger organizations were added if they had at least 33% loans-to-assets, 50% core deposits-to-assets, less than 75 branches and other factors reflecting a narrow geographic scope.
As a result, 330 larger institutions were part of the FDIC's analysis. The list included three banks each with roughly $10 billion of assets: the $11.6 billion-asset Signature Bank in New York City, the $9.8 billion-asset Capitol Federal Savings Bank in Topeka, Kan., and the $9.6 billion-asset Investors Savings Bank in Short Hills, N.J. Ninety-two companies underneath the $1 billion-asset cutoff, meanwhile, were excluded. (The sizes were based on yearend 2010 data.)
"As a percent of the total number of banking organizations, these are not huge changes. But we were able to add back more than half of the eligible organizations with assets over $1 billion," Brown said. "These institutions are performing community banking functions and would have been left out of a simple size-based definition."
Randy Dennis, a banking consultant in Little Rock, Ark., said the definition could be even more liberal.
"It's a very reasonable approach. We know there are institutions with $10 billion, $15 billion, or even $20 billion in assets that are clearly community banks," said Dennis, president of DD&F Consulting Group. "They may have a broader geographic area, but they're clearly focused on serving those communities with small business lending and residential lending and building core depots. … Once they're bigger than $15 billion, their focus is on other things. … The regulatory environment requires them to be much more sophisticated and to look beyond their communities."
The research project is just one of the agency's initiatives having to do with the sector. In the face of vocal community banks' concerns about industry consolidation, the relative differences in funding and capital costs between large and small institutions, and heightened regulation following the financial crisis, the FDIC is making a serious effort to show it is listening.
In addition to the conference and the research project, acting FDIC Chairman Martin Gruenberg is attending smaller roundtables with community bankers in each of the FDIC's supervisory regions, and the agency is planning a review to find ways for certain regulatory policies to be more tailored to community banks.
Despite continued interest in how community banks are faring in an industry more and more concentrated in big banks, Gruenberg told conference attendees the study is the first of its kind.
"It does strike me that for all the attention community banks have drawn, there is still a need for more thoughtful and careful research and analysis about the role that community banks play in the financial system, and that is a gap that the FDIC would like to fill," he said.
The study found that community banks in Midwest states tend to have the biggest share of branches than in other regions. In North Dakota, South Dakota, Minnesota, Iowa, Nebraska and Kansas, community banks operate more than 60% of the branches in their respective states. The western region — including California, Nevada, Utah and Arizona — has the smallest share.
"Community banks are three times more likely than other banks to be headquartered in a rural area or a micropolitan area, with populations between 10,000 to 50,000," Brown said.
The research showed community bank balance sheets have an average loan-to-asset ratio of 64% — compared with 52% for other institutions — and an average core deposit-to-asset ratio of 79%. (Non-community banks on average have 50% core deposits-to-assets.)
Among community banks specializing in a particular lending area, commercial real estate lenders make up the largest portion of the community sector. Those "CRE specialists" made up about 30% of all community institutions around 2008. But since then, that group has seen a sharper decline than any other single-line business lending group. Between 2006 and 2010, 66% of the industry-wide failures were of CRE lenders. That is compared with 7% for mortgage specialists, 2% for agricultural specialists, and 2% for commercial and industrial specialists.


text:
Nathan Lyon spun Australia to a remarkable 48-run win over India in the first Test at Adelaide Oval.
Virat Kohli crafted a career-best century, but Lyon's maiden 10-wicket Test haul proved the difference as the hosts clinched victory.
Michael Clarke was hobbled by a fresh hamstring injury, while India's push for a record-breaking win was halted by some howlers on a dramatic fifth day.
The enthralling battle between chief protagonists Lyon and Kohli ended in the 82nd over.
India's stand-in skipper holed out on 141, Mitch Marsh misreading the ball but completing an awkward catch in the deep.
Ryan Harris and Mitchell Johnson claimed a wicket each after the final drinks break.
But Lyon fittingly ended the game when he had Ishant Sharma stumped and India all out for 315 in the 88th over.
Lyon finished with incredible match figures of 12-286, bouncing back superbly after an underwhelming tour of the UAE, where he captured three Test wickets at an average of 140.
Clarke declared before the start of play on Saturday's final day, setting India the difficult task of chasing 364 runs at 3.7 an over.
The highest winning fourth-innings Test total at the venue is Australia's 6-315 in 1902, but the tourists scored 369 runs on day three and were not lacking in belief.
They were only emboldened by an 185-run partnership between Kohli and Murali Vijay, the pair batting through the second session when Clarke tweaked his right hamstring and limped off the field.
They pushed India's total to 2-242 before Lyon turned the match on its head in the 70th over.
Lyon toiled through 34.1 overs on Saturday, but the 26th - a double-wicket maiden - was arguably his most important.
The offspinner trapped Vijay lbw on 99, with Chris Rogers claiming a straightforward catch at short leg to dismiss Ajinkya Rahane for a duck.
Both men lingered at the crease and stared at umpire Marais Erasmus - Vijay in disbelief after being denied a ton and Rahane aggrieved because he didn't hit the ball.
Lyon removed Rohit Sharma and Wriddhiman Saha, but Kohli provided far more stubborn resistance.
The offspinner had a handful of confident lbw shouts turned down by Erasmus.
Two of the not-out verdicts would have been overturned if sent upstairs - when Kohli was on 85 and Vijay was 24.
The Decision Review System (DRS) debate had already been reignited in the first session.
Johnson delivered the initial breakthrough in the fifth over, umpire Ian Gould incorrectly judging Shikhar Dhawan to be caught behind.
The bouncer clipped Dhawan's arm, not his glove.
It is exactly the type of howler that led to the development of DRS six years ago.
However, India mistrust DRS and it will not be used in this four-Test series.
Lyon flighted the ball and attacked the rough created by Ishant Sharma's footmarks, with his early reward coming in the 20th over.
Cheteshwar Pujara played for spin that wasn't there, feathering an edge to keeper Brad Haddin.
Lyon was named man of the match.
"I just had to keep asking question and lucky enough some went my way," Lyon of the many lbw appeals that umpire Erasmus turned down.
Clarke said in the post-match ceremony that his side did Phillip Hughes "proud".
Hughes' shock death caused the series to be rescheduled, with Clarke and teammates attending the funeral in Macksville last week.

subset: commoncrawl


text:
Our Happy Clients
Franchise Insider
Franchise Insider is a Business Consultant Company for the Franchise Industry in Gujarat.
They provide complete services to both Franchisers & Investors.
Client requirements
Our client wanted hassle free back support for his business, where he can get daily updates about the social media activities and get leads for his business as well as for his clients.
Along with that He wanted to create awareness about Franchise Industry in Gujarat.
Promotional Strategy
In the initial phase, we decided to reach out to large audience to create Brand awareness about Franchise Business, Franchise Insider & the opportunities in the Franchise Industry, which resulted in ample of inquiries from the people who wanted to start business or wanted to get into Franchise Industry.
In the next phase, we ran Facebook & Instagram campaigns for lead generation, not only for them but also for the clients through Carousel & Video Ads which got successful results. Through social media we were able to generate large number of quality leads of investors & franchisors.
Tea Villa Cafe
Tea Villa Cafe, Vesu is one of the outlets of famous Food Chain which needs no introduction.
Client requirements
When people see a cafe they have a misconception that it just for coffee & quick bites, but this is not so in the case of Tea Villa Cafe.
Tea Villa Cafe is not just a cafe but also a Multi Cuisine Restaurant, the client wanted people to know exactly that & along with that he wanted to connect with them to know their reviews and get feedback about the food & service.
Promotional Strategy
In the initial phase, we used the simplest strategy, we showcased the food dishes from the menu which naturally gave us the best results.
Our major platforms were Facebook, Instagram & Google+ to create awareness the varieties of food available through photos & videos which eventually started to gain popularity among the audience.
Kishor Panghat Garba Group as the name says is a Garba Class in Surat run by an Award Winner Mr. Kishor Patel who has 35 years of Industry experience.
Client requirements
Our client, having expertise in his field wanted to promote the traditional folk dance and wanted more and more people to embrace this culture. Well, what was better than Social Media Platforms to spread awareness and acknowledgement to a large mass of people at a same time!
Mr. Kishor's vision was to take KPGG to another level through social media, he not only wanted people to recognize Garba as a traditional dance of Gujarat but wanted to make them know that this dance form offers achievement of various goals like weight management, happiness, etc.
Promotional Strategy
In order to communicate effectively to our audience, we worked on various social media platforms like Facebook, Instagram, Whatsapp etc. and promoted through photos, videos, contests, polls, etc.
The combined efforts generated marvellous results. The social media engagement was amazing and lead conversion went beyond expectations. The classes went housefull on the very first day of its opening and more people waiting and willing to join.
Get In Touch
Contact Us
+91 9574 750 077 / 88
C 226, Monarch, Gaurav Path, Pal Gam, Surat, Gujarat 395009.
For Career Info:email@example.com


text:
our mailing list. It's so wizard.
by Pizzo
12 February, 2014@2:36 pm
0 comments
12 February, 2014@2:36 pm
0 comments
Rapsody & producer 9th Wonder of Little Brother fame sit down with OKP TV to rep Jamla, the squad in a quick round of "The Questions" game for this Okayplayer video interview.
Related Articles
Facebook comments:
No Comments
Leave a reply
Search HipHopSite.com
News on the D.L.
- Raekwon Sets A Release Date For "F.I.L.A." Album
- BUSH: A Snoop Odyssey Produced By Pharrell Williams [Preview]
- Drake – "If You're Reading This It's Too Late" Surprise Album on iTunes Now
- Action Bronson "Mr. Wonderful" Cover Art and Tracklist
- Juicy J "Blue Dream & Lean 2″ Mixtape Cover Art & Release Date Revealed
- MF Grimm "MF Love Songs" Cover Art + Tracklist
New Joints
- Lord Hakim – "Brass Knucklez" (feat. Vast Aire & Phizz Ed)
- IAMSU! – "Hella Good" (feat. Tyga)
- DJ Kay Slay – "I Declare War" (feat. Styles P, Sheek Louch, Vado, Raekwon, & Rell)
- Maverick Sabre – "We Don't Wanna Be" (feat. Joey Bada$$)
- Cannibal Ox – "Blade: Art of Ox" (feat. Artifacts & U-God; prod. Black Milk)
- Asher Roth – "Blow Your Head" (prod. Nottz)
Recently Commented On
- It's Time To Say Goodbye...
Commented on by Yungplex
- It's Time To Say Goodbye...
Commented on by geedubbleyoo
- Fat Trel - "In My Bag" (feat. Wale)
Commented on by Katae
- Kanye West's "Runaway": What Does It All Mean?
Commented on by fidgar
- Sole Vs. El-P: Part One - Sole
Commented on by Reno Yakavetta
- It's Time To Say Goodbye...
Commented on by Atom


text:
Select the application below that's closest to your liner or tarp needs…
Athletic Tarps
Athletic covers can be specifically designed and built to fit your individual need or we can ship you a standard size. You have a choice of fabric type and color plus you benefit from the quick turnaround time. If you have a need that is a bit unusual, give us a call. You will be amazed at what we can provide you.
- Athletic Field Base Covers
- Athletic Field Home Plate Covers
- Athletic Field Mound Covers
- Baseball Athletic Field Covers
- Baseball Bull Pen Covers
- Gym Floor Covers
- Ice Rink Liners
- Curling Liners
The use of fabric covers and liners in athletics is almost unlimited and The Liner King affords you fair and competitive prices and almost unlimited choices. The Liner King offers color choices to match your team or to offset the harmful effects of the sun effecting weathering or the performance of the item outdoors.
Whatever the season we welcome the opportunity to quote, serve, and support your sport.
|Curling, Ice rink liners from the kid's back yard rink to the 85′ x 200′ hockey park line, Gymnasium Floor Covers – Building, Sport and Trade show protection
|Equipment, Home Plate, Mound & Infield Covers, Golf Irrigation holding ponds
|Tennis Windscreens, Fence Privacy, Mud Run Pit Liners, Dugout Shade
|Golf Course Frost Protection, Football Field & Sideline Covers, Gym Curtains
Our partial list of sport related end users hopefully invite you to tell us what you need and to enable us to connect and price the item your sport needs or wants. Let us share our 40 years of fabric end use innovation with you and your idea —


text:
07 October, 2013
The Frankfurt event is the biggest international book forum with a five hundred year-long history, featuring tens of thousands of publishing houses, literature agents, writers and experts. The Fair is attended by up to four hundred thousand visitors annually.
The Fair will take place from October 9-13.
By Giorgi Beridze


text:
The city of Honolulu says negotiations to bring the Miss Universe Pageant to Hawaii have fallen apart, in part because of concerns contest organizers had about the Neal S. Blaisdell Arena.
The city was contacted back in May about possibly hosting the pageant, which is scheduled for November.
It agreed to allow the pageant to use the arena for two weeks and the concert hall for one week.
However, pageant organizers say the arena's structural capacity for suspending overhead equipment above the stage area was insufficient for the show's needs, and therefore Honolulu would no longer be considered as a site for the pageant.
The city contends that weight capacity in the arena was not a limiting factor for shows like Bruno Mars, Janet Jackson, and Mariah Carey.
This year marks 20 years since Hawaii's own Brook Lee was crowned Miss Universe. She provided arguably one of the pageant's most memorial moments when she answered the question: "If there were no rules in your life for one day and you could be outrageous, what would you do?"
Lee's answer without hesitation: "I would eat everything in the world. You do not understand. I will eat everything twice."
Courtesy of KHON 2 Honolulu


text:
how to colour fabric
For those who don't know, there are two ways of colouring your leather. You can either dye or paint it. with dyeing you'll work the colour through your clothing. Leaving no trace. With paint, you'll apply the colour on the fabric. It doesn't go all the way, but it stays on thicker and longer. Not a lot of people are too familiar with either. There are even some who haven't even heard of dye. But don't worry, I'll explain to you in a short text and I'll use shoes as…Read More


text:
Trending News
Flight Confusion?
I m a first time flyer, and a little confused.
I booked through cheapOair, and in the email, it doesn t say what terminal or gate the flight will be at.
I m flying out on July 27th.
I wanna make sure I get it right. Thank you in advance!
13 Answers
- BettyLv 71 year ago
They should have told you the terminal on your confirmation.The gate number won't be known until the day.I suggest you check with the airline as to what terminal you need to go to.
- D.E.B.S.Lv 71 year ago
That information will be available as the flight gets closer. Even then, it can change even within 24 hours of departure. Use your record locator provided with your confirmation to check the info on the airline site starting a couple days prior. Always check again even after you've checked in and are at the airport. It *should* be stable 24 hours before, but there are times when it changes.
- trailblazerLv 71 year ago
there should be a terminal reference in the confirmation, ust be sure to read the details carefully, often they say flight no. airport terminal, some airports have numbered terminals other letters, some are called domestic or international. when you go to check-in online, which is by far the easiest option, your boarding pass will show the terminal. gate numbers are assigned on the day, boards at the airport show where flights are departing from 2-3 hours before departure.
- bluebellbkkLv 71 year ago
You don't need to know the gate until you're actually at the airport, checked in and through the security check. Indeed, the gate may change at any time, so it would be senseless to put it on your confirmation email.
As for the terminal, perhaps the airport you're flying from has only one terminal? Or maybe they assume that as you drive into the airport you'll simply follow the signs to Departures for the airline you're flying with.
Again, there is no need to know ahead of your arrival at the airport.
- How do you think about the answers? You can sign in to vote the answer.
- Anonymous1 year ago
You'll need to check in online 24 hours before your flight leaves. At that point you should be able to get the gate assignment. They do change, though - it's helpful to check the boards at the airport when you get there, or to install the airline's app, which should notify you of gate changes. I had a flight last summer out of O'Hare that had 7-8 gate changes. It was crazy.
- oldprofLv 71 year ago
Terminals and gates are not assigned to flights until within 24 hours of the departure time...or thereabouts. So check your flight out on or about 26 July.
Better yet, load a flight tracker app on your mobile phone so you can track your flight yourself. There are all kinds of flight tracker apps, but I've been using
Flight Tracker | KAYAK
For years. And I'm a seasoned flier.
- CliveLv 71 year ago
Maybe the airport has only one terminal? Then you don't need to know. And you can forget about gates for now - you can find that out when you get there.
- shirtshertshurtLv 61 year ago
Wouldn't that depend on where they can roll the plane up when it gets there? It should be listed on the "Departures" board when it gets there. Someone can tell you when you get to the airport too.
- hotstuffktrLv 61 year ago
Pull up a map of the airport; it will list what airlines use what terminals The gate will be assigned when you drop off your luggage / print your boarding pass.
- MurzyLv 71 year ago
you can always call the airline


text:
The Colorado Independent,2020
All Right Reserved.
Home Tags Board elections
Tag: board elections
IREA's Kempe blasts co-op board resistance to election reform
One is indeed the loneliest number, especially when it comes to reforming a rural electric co-op board bent on quashing clean-energy and conservation initiatives in the name of dirtier-burning coal.
State Rep. Levy plans bill to clean up electric co-op elections
A Boulder lawmaker says she'll introduce a bill next session aimed at cleaning up questionable campaign practices in rural electric association (REA) board elections.Claire Levy, D-Boulder, told the Colorado Independent Tuesday she is still working on a draft of the bill she'll introduce in the upcoming legislative session in January, but she outlined the basics.
Aspen SkiCo official praise 'revolution' in rural electric co-ops
The director of sustainability for one of the state's largest ski companies says there is a quiet revolution going at the state's rural electric co-ops, where previously ignored and under-publicized board elections are seeing some real upheaval.


text:
Leake County Revelers
The Leake County Revelers were an old-time string band from the 1920s and 1930s. Its members were Will Gilmer (1897–1960), fiddle; R. O. Moseley (1884–1931), mandolo (a banjo-mandolin hybrid); Jim Wolverton (1895–1969), five-string banjo; and Dallas Jones (1889–1985), guitar. Only Wolverton was actually from Leake County. All the other members lived in or near Sebastapol in Scott County.
The band formed in 1926 and went on to record forty-four 78s for OKeh and Columbia Records between 1927 and 1930. The band does not seem to have toured or recorded as widely as contemporaries such as Narmour and Smith, who recorded as far afield as New York and San Antonio; most of the Revelers' recordings were made in Atlanta and New Orleans.
Despite remaining close to home, the Revelers were probably the most sophisticated and distinct of all the era's old-time string bands. Discovered by H. C. Speir, a Jackson record store owner and talent scout better known for finding blues artists, the Revelers played tunes with relaxed, easy tempos and complex vocal arrangements. This style set their recordings apart from other string band 78s of the era, which tend toward raucous breakdowns and field-holler-style singing. In addition to such standards as "Leather Britches" and "Listen to the Mockingbird," they recorded an extensive array of ragtime blues, vaudeville tunes, and waltzes.
Gilmer, the most restless and best-traveled of the Revelers, spent time in Texas, where he learned "Wednesday Night Waltz," a compelling but oddball tune that includes sections in both waltz and breakdown timing. It became the Revelers' best-selling record, topping 195,000 copies sold by 1931, and one of the best-selling string band recordings of all time. Their works have been rereleased by Document and County Sales (and included in many compilation packages), and they have a large audience even today. Contemporary bands play "Monkey in a Dog Cart" and other Revelers' tunes as part of a general revival of Mississippi fiddle tunes.
In the 1930s the Revelers were recruited to play at whistle stops and schoolhouses as part of one of Huey Long's Louisiana gubernatorial campaigns. Frank Buckley Walker, a talent scout for Columbia Records, remembered, "They would attract the crowd, and when they had the crowd there, Huey used to speak to them about how wonderful a governor he'd make and he was elected hands down. But it was really the Leake County Revelers that won the election."
Under the name Leake County String Band, descendants of the band members provided music for the 1976 movie Ode to Billie Joe.
Further Reading
- Eugene Chadbourne, AllMusic.com website, www.allmusic.com
- Mississippi Country Music Trail website, www.mscountrymusictrail.org
- Mississippi String Bands, vols. 1 and 2 (1998), liner notes
- Frank Buckley Walker, interview, Johnson's Depot website, www.johnsonsdepot.com


text:
Dealing with Navient is a headache for many student loan borrowers. Navient, the result of student loan giant Sallie Mae's rebranding, has quickly developed a reputation for consumer issues.
For many borrowers, refinancing Navient loans seems like the answer to their problems. The idea of taking their student loan business elsewhere AND getting a lower interest rate sounds like a no-brainer. Unfortunately, refinancing isn't the best approach for all Naivent borrowers. For some, it can be a huge mistake.
When Refinancing Navient Loans Makes Sense
In order to refinance wisely, borrowers need two things to come together: opportunity and strategy. Determining whether or not refinancing is a good idea is fairly simple.
- Strategy – A refinance only makes sense if it will save money. For private student loan borrowers, the question is simple… can I get a lower interest rate elsewhere? If the answer is yes, a refinance strategy makes sense. For federal student loan borrowers, the question is a bit more difficult. Programs like income-driven repayment and Public Service Loan Forgiveness can be great resources. If these federal perks will be utilized, dealing with Navient may be a necessary evil. If the perks that go with federal loans will never be needed, opting for a lower interest alternative can make sense.
- Opportunity – Refinancing is a great option, but not everyone can do it. Lenders like Laurel Road and SoFi offer interest rates starting below 3%, but the catch is that perspective customers need to have a decent income and credit score. For these lenders to make money on their low interest rate loans, they have to be certain that borrowers will be able to pay it back in full. The good news for borrowers is that each lender evaluates applications differently. Several lenders may see you as a bad bet and reject your application, but it only takes one lender to see you as a good investment. For this reason, borrowers interested in refinancing should check out rates with at least 3 or 4 of the many student loan refinance companies.
Will Navient Make Refinancing Difficult?
Jaded borrowers might suspect that Navient will try to make the refinance process as difficult as possible. The good news is that there is very little Navient can do to stand in the way. Most refinance lenders handle the payoffs to old lenders so that the borrowers have to do very little.
In short, when you refinance, dealing with Navient becomes your new lender's problem.
Does Navient Refinance Student Loans?
Navient only handles private loans and federal loan servicing. They do not refinance any existing student loans.
Even though Navient refuses to refinance student loans, many other companies do offer this service. Further, Navient cannot prevent you from refinancing your student loans elsewhere.
Bottom Line
Dealing with Navient can be a headache. For some borrowers refinancing can bring an end to dealing with Navient. This financial move can save a small fortune in interest and get student loans paid off much faster. However, a student loan refinance only makes sense in certain circumstances. Borrowers need to carefully evaluate their options before making the plunge. Once a loan is refinanced, there is no going back.


text:
Howdy everyone… As a prize for winning the Halloween costume contest a bunch of us got the opportunity to snowmobile to Cape Evans. This is where Robert Falcon Scott's Terra Nova hut was built for his failed expedition to be the first to the South Pole. The hut was completed in 1911 and was also used by Shackleton during his failed attempt to be the first to traverse across Antarctica. The history and stories of this hut are truly amazing. The courage, and strength of the men that stayed here is like no other on earth. They had to endure unbelievable hardships. To learn more about some of these men I suggest that you read the book "Shackleton's Forgotten Men". Just stepping foot in this hut you could feel the history and stories seep into you. The hut is preserved and maintained by the Antarctic Heritage Trust. They try to ensure that the artifacts are in the places that they were found. To walk around inside is like going back in time. There is no glass to separate you from the artifacts, just time itself. I feel so very lucky to experience it first hand and have really enjoyed reading books about these determined and hearty souls. Because this place has so much history, and I took over 250 pictures, I will post several entries dedicated to it. Enjoy the pictures and descriptions. Please know that I would love to tell you all more about this place in person (along with many pictures) when I get back to the states.
Tag Archives: South Pole Expedition
Icebergs in the Ross Sea Ice and Scott's Hut at Cape Evans
Here are some pictures of icebergs stuck in Ross Sea ice. They were truly amazing to see and much more impressive than the pictures show. Only about 10% of the iceberg is visible so the other 90% is underwater. These icebergs were likely grounded deep underwater and then frozen in the annual Ross Sea Ice.
The last picture is of R. F. Scott's hut at Cape Evans, Antarctica. This was built as his home base during his South Pole Expedition over 100 years ago. He and his men died on their return from the pole. They nearly made it to a food depot stashed in the ice.


text: Bourbon By Nino Kilgore-Marchetti / December 21, 2018 The premium bourbon label from Beam Suntory that's known as Booker's Bourbon has been a productive one this year, releasing the standard mix of high octane American whiskeys and also a special 30th edition expression. Now, as 2018 slowly draws to a close, Batch 2018-4 has arrived with the name of "Kitchen Table."Booker's Bourbon Batch 2018-4 "Kitchen Table" (image via Beam Suntory)Booker's Bourbon Batch 2018-4 "Kitchen Table," according to those behind it, is the fourth and final bourbon to released under the Booker's label this year. It is, like the other Booker's whiskeys, a monster of an uncut bottling at 128 proof. It is 6 years, 8 months and 7 days old, being "produced on three different production dates and stored in six different locations." The breakdown of what came from where in the various Beam aging warehouses is as follows:7% came from the 4th floor of 9-story warehouse E14% came from the 5th floor of 9-story warehouse E4% came from the 6th floor of 9-story warehouse E24% came from the 5th floor of 9-story warehouse J44% came from the 6th floor of 9-story warehouse J7% came from the 6th floor of 9-story warehouse DLike all other batches which have come before it, a nickname is assigned to this release. As Beam master distiller Fred Noe explained in a prepared statement "the fourth and final batch of Booker's Bourbon for 2018 is called 'Kitchen Table,' named after one of my dad's favorite places. There, Dad liked to read the newspaper, tinker with his projects, and notably, it's where he gathered our family and friends to help him select batches of his namesake whiskey. It's special for me to name this batch after a place that was so important to Dad and the creation of Booker's as we know it today."Plans call for Batch 2018-4 to price for at least $70 for a 750 ml bottle. You'll find some official limited tasting notes below for your consideration.Taste: Deep and complex flavors of vanilla, nuts and oak.Aroma: Robust vanilla and caramel notes; slightly smoky.Finish: Long and full; perfect for easygoing sipping.


text:
The Colored Girls Museum
The Colored Girls Museum gives the following descriptive information:
The Colored Girls Museum is a memoir museum, which honors the stories, experiences, and history of Colored Girls. This museum initiates the "ordinary" object—submitted by the colored girl herself, as representative of an aspect of her story and personal history, which she finds meaningful; her object embodies her experience and expression of being a Colored Girl. The Colored Girls Museum is headquartered in the historic neighborhood of Germantown in Philadelphia, an area renowned for its compliment of historic buildings and homes.
Mission and Vision
The Colored Girls Museum distinguishes herself by exclusively collecting, preserving, honoring, and decoding artifacts pertaining to the experience and herstory of colored girls. This museum shall serve as a clearinghouse of multidimensional arty-facts, objects and information about Colored Girls: equal parts research facility, exhibition space, gathering place and think tank. This Colored Girls Museum is the first institution of its kind, which considers memoir, in any form, as well as objects of personal and historic significance, as evidence with empirical value.
In The News
- [http://kywnewsradio.radio.com/articles/news/2-black-museums-seek-help-from-community-to-safely-reopen
2 Black museums seek help from Philly community to safely reopen amid virus], KYW, June 29, 2020.
- Event Calendar: Upcoming Events


text:
Indianapolis-based group had needs in education, membership; 'tell us in your cover letter what you could, would and should do'
AAOE CEO Addy Kujawa
Jan. 5, 2018
By William Ehart
"Tell us what you can do."
If that sounds a little open-ended for a job description, that's because Addy Kujawa, CEO of the $2 million-revenue Indianapolis-based American Alliance of Orthopaedic Executives, intended it that way.
The eight-staff group has experienced strong recent growth, and was looking last fall for manager and director-level employees in the areas of education and membership, Kujawa told CEO Update.
"We were trying to figure out if we needed a membership person, an education person, or one person to oversee both," she said.
"We didn't want to pin it down, so we put out a post that said, 'Respond to what you would want to do out of the below. Here are some education thoughts, here are some membership thoughts, tell us the story of your experience and how you would fit not just into these roles but also our culture.'"


text:
King Of The Beats: Slayer's Dave Lombardo Picks His Favourite Albums
Toby Cook
, May 21st, 2012 09:05
Ahead of Slayer's Reign In Blood ATP IBYM show and the release of PHILM's debut album Harmonic, Dave Lombardo tells Toby Cook about his 13 favourite albums
James Brown – Star Time I had to put in the funk/R & B inspiration or connection on this list because it's so great. My oldest brother, Daniel, he listened to War; he listened to Tina Turner; he listened to Isaac Hayes and he listened to James Brown. There was a bit of a funk influence very, very early in my life and I think Star Time by James Brown, which has almost every bit of his music, or certainly a good collection of his music, was a good choice to put in here because I love funk, I get into it. I seem to remember watching James Brown on American Bandstand as a child, because my sister used to watch that and I remember seeing that – it must've been a rerun, but I remember seeing it and I was just blown away by this guy, by his fire. Again, the energy and the fire, that's so important to me.
If you love our features, news and reviews, please support what we do with a one-off or regular donation. Year-on-year, our corporate advertising is down by around 90% - a figure that threatens to sink The Quietus. Hit this link to find out more and keep on Black Sky Thinking.


text:
Meet the San Antonio man behind the viral 'Lightning McQueen' car
San Antonio drivers got some comedic relief during the gas shortage panic earlier this month when a Lightning McQueen car was spotted on the North Side.
The Corvette was the subject of two viral tweets which racked up nearly 100,000 likes a piece.
"Lightning McQueen has Texas plates we win," @ellerywiseman said.
Twitter users responded, saying they've seen the Cars movie-inspired ride around town and had the chance to take pictures with it.
That positive reaction is exactly what led the owner, Brian Hutchinson, to spend more than $50,000 and 18 months transforming his car into a Pixar favorite.
"The biggest thing is putting a smile on kids' faces," he told mySA.com. "They're speechless."
Hutchinson said his vehicle was still a regular red Corvette when he and his wife, Kelsey, heard a little boy call the car "Lightning McQueen."
RELATED: UTSA student tweets wedding note from the Obamas, and the internet responds
That comment inspired the makeover. With car wrap from Rockin Monkey Designs, the Hutchinsons were able to put Lightning McQueen on San Antonio roads.
The car made its debut at the Cars 3 premiere in May at the Palladium. The Hutchinsons now share their car with kids at children's events and hospitals. Hutchinson said they sometimes take kids who are hospitalized out for rides in the car.
Since the two tweets have gained popularity, people want to know where they can see the car, he added.
He will have it at the Cars and Candy meet on Oct. 28 at Blossom Athletic Center, he said.
"This is more than just a car that my wife and I built over 18 months, we have given this car a soul, a purpose," he said.
Twitter: @MaddySkye


text:
The story in Theater Jones (HERE) inspired another one at the Arts Integrity Initiative (HERE) with the perfect title:
"When a Tree Falls in Athens and Rises in Camelot, Whose Design is it Anyway?"
Most good designers understand the ethics of their branch of design instinctively (besides, where's the fun if you just steal another guy's design?), but it's worthwhile discussing these matters. When is recycling and reuse fair and when is it theft? What is plagiarism and what is inspiration? How much "sampling" or borrowing is okay and how much is Too Much?
Fair questions.
And the answers are going to vary somewhat from one type of design to another. For instance, using recycled or stock pieces is legit in theater design (and so eco-sustainable and budget-helpful that we should do it and have a tradition of doing it), but every ethical designer knows that means mix-n-matching bits from many shows then seriously rethinking and redesigning those pieces into a new, original - collaging - not just repainting and changing the designer's name. Yeesh.
But even other kinds of designers don't always understand theater design ethics. Architect friends don't quite get the nuances... seeing as built buildings don't often pick up and move on (as sets or costumes often do). In architecture it's more often a matter of "did your drawings get reused without agreement?" not "did that porch get trucked away?" Even then it's looked at as a theft from the physical owner - like stealing a sofa - rather than as a theft from the designer...
...unless the designer and building are very famous. There are loud art/ethical questions about removing the Elgin Marbles from the Parthenon or selling bits of Greene and Greene's Blacker House for profit and replacing them (in the house) with reproductions. The DMA has the real front door.
The Dallas Museum of Art has such legalese copyright policy that, frankly, I'm frightened to use their photo here even with attribution on this fair-use-y post. They don't seem worried about vulture-picking the carcass of that great artwork the Blacker House, but I bet they're pretty defensive of the copyright of the photo of their loot.
Cornelius Parker? He's the unethical (and imaginary) theater designer who reused a fellow designer's work without informed permission, appropriate payment, or full attribution.
Still a gorgeous tree.


text:
|Gossman Consulting, Inc
Data Review and Validation
Service Description
You already have reams and stacks of test data. It is just as important to know how valid and defensible that data is.
Through years of experience, Gossman Consulting, Inc. has come to know that just because testing meets established QA/QC criteria does not automatically mean that that data necessarily represents true values. GCI is aware of test methods approved and required by government agencies which in fact give false values even when performed to the highest degree of accuracy and precision of the method. In some cases, this situation occurs because the regulatory agency has mistakenly applied methods to applications and matrices for which they were never truly validated.
GCI personnel have many years of study, training and experience with the practical application of data quality reviews, including providing expert witness testimony on testing and test data. Our personnel are experienced at taking valid test and operational data and performing mass balance calculations on process systems, thus supporting an understanding of the processes so that you can confidently undertake operational or environmental improvements.
This area of sound scientific understanding meeting practical application is where GCI can provide some of the most beneficial services. GCI has the background and experience to review routine QA/QC activities and the experience to ensure strong practical validations. You have important questions about test data: is it valid? does it meet the need? what can it tell us? GCI can provide your solutions to these questions.
David Gossman
Sue Gossman
Existing SOLUTIONS
GCI has prepared a number of papers relevant to data review and validation. (If a link to a paper title is not yet available please e-mail with your fax number for a copy.)
"Comparison of Metal Emissions from Cement Kilns Utilizing Hazardous Waste Fuels with Commercial Waste Incinerators"
"Metal Equilibration and Process Capture Efficiencies in Cement Kilns"
"The Use of Monochlorobenzene as a Principal Organic Hazardous Constituent for Destruction Efficiency Determinations in Cement Kilns"
"Quality Control of Hazardous Waste Fuel"
"Suitability of Hydrocarbon and Carbon Monoxide Measurement as Combustion Indicators in Cement Kilns"
"Typical Metal Concentrations in RCRA Waste Burned in Cement Kilns"
"The Fate of Trace Metals In The Wet Process Cement Kiln"
"Cement Kilns Sources of Chlorides Not HCl Emissions"
"Comparison of Metals Spiking Systems and Metal Compound Selection Among the Cement Kilns Conducting Compliance Tests"
"2,3,7,8-TCDD Equivalent Emissions from Cement Kilns Burning Hazardous Waste"
"A Method for the Rapid Semi-Quantitative Identification of Hazardous Organic Constituents in Liquid Organic Hazardous Waste Streams"
"A Review of the Usefulness of Various ASTM and SW-846 Methods Which May Be Used by the Thermal Treatment Industry"
"The Effect of Process Differences on System Removal Efficiencies (SREs) and the Fate of Metals in Cement Kilns"
"A Comparison of Normal and Worst Case Cement Plant Emissions"
"Sources of PCDDs/PCDFs in Cement Kiln Emissions"
"Quality Control Review of Mercury and PCDD/PCDF Emissions Data From Cement Kilns Used for MACT Evaluations"
"Observations and Comments on EPA/DOE Mercury CEMs Demonstration at Holnam's Holly Hill, SC Facility"
"The Design of A Custom Database System for Storing and Accessing Point Source Emission Test Data and Associated Process Conditions"
"The Analysis of Flammable Industrial Wastes Using Ion Chromatography"
"Data Processing as an Alternative to Extensive Sample Clean up in the Gas Chromatographic Determination of PCBs"
"The Determination of Metals in Paint and Paint Wastes using Atomic Absorption and Emission Spectroscopy"
GCI Tech Notes "Why All Cement Kilns Should Test Their CKD" June-97
GCI Tech Notes "Determining Organic Compound Destruction Efficiency" Feb-97
GCI Tech Notes "The Impact of CKD Recycling on "HCl" Emissions from the Wet Process Cement Kiln", Aug-96
GCI Tech Notes "Comments on Draft SW-846", Jan-96
GCI Tech Notes "A Caution in the Use of Analytical Data in Calculating TEQ Values for Dioxin Reporting", Dec-95
GCI Tech Notes "The Potential for CKD Insufflation to Impact Metals Emissions from Cement Kilns", Sept-95
GCI Tech Notes "Appropriate Sampling Frequency for Cement Process Samples During Stack Testing", July-95
GCI Tech Notes "Dioxin Health Assessment Document Review and Comment, (EPA/600/BP-92/001a,b & c)", March-95


text:
The Franchisee Journey
Going from interested party to successful franchise owner is a journey of many steps, but The Massage Company has a proven track record of guiding our franchisees through every stage of this process. We're going to be discovering a lot about each other along the way, and we are certain this will be a very rewarding experience for both of us.
We feel very privileged to have worked with franchisees with a wide variety of backgrounds and skillsets. You can read more about their journeys with us here:
Taran's Journey – Tunbridge Wells
Taran Bassi's story is one that is particular important to us, as he was the very first franchisee to join us at The Massage Company. His centre in Tunbridge Wells opened in September 2018 and has been a resounding success. It has already exceeded our expectations in terms of sales and membership, and is the perfect example of how well our franchise model works.
For many years, Taran ran an IT consultancy firm in London but has spent the last several years looking for business opportunities in different sectors. He was already familiar with how well franchising worked, and had seen how much it had benefitted many of his friends and colleagues. Taran explained why the concept appealed to him so much: "The thing I really like about franchising is how it reduces a lot of the risk involved. You get a lot back for your investment. It's a great way to move into a new area with a lot of the marketing and growth concepts already taken care of."
Taran spent a great deal of time researching the many different franchise options out there, but nothing really grabbed his attention until he started looking at The Massage Company. He knew Charlie Thompson, our Operations Director, from university so a strong relationship of trust already existed between them. However, it was the success of the Camberley centre and the company's proven business model that really drew his interest. As he tells us, "I started out just as an interested friend, but as their centre grew and grew, and its potential for growth became more obvious, I decided it was time to have a serious discussion about how I could get more involved."
As part of his journey towards becoming our first franchisee, Taran spent a year working part-time at the Camberley centre learning all about the operations of the business from the inside. This was an experience he found to be extremely valuable and gave him everything he needed to take the next steps in his preparation and training. "The team have been really great all the way through, right from the early days of looking at sites and working out what was needed, through to my own operations training and learning about the business. Their support is available all of the time. I particularly enjoyed the process of building my own team, developing our own culture and attitude towards the business."
The team continued to support Taran in finding the right site, and advising him on researching his new market. He and his team put in an incredible amount of time and effort promoting the centre ahead of its opening by contacting their potential customer base and getting involved with a whole array of big local events. All the hard work really paid off, and more than 5 weeks of business was already booked and paid for before the centre even opened its doors.
When we asked Taran to sum up all his experiences, and if this is something he would recommend to others, he told us: "It's a growing brand with a proven concept. Together, we are changing the whole market and improving all the time: improving ourselves, and improving the industry. One of the best things about running this business is that people come to us with a genuine need: an ache, a pain or stress and anxiety, and we can see how we are really making a difference for them. 100% of the time they are coming out with a fantastic experience, a memorable customer journey. It can be hard work, but you can really reap the rewards at the end of it. It's a fantastic journey to be a part of."
Mark's Journey – High Wycombe
Mark Coldham and his wife, Rachel, were in the army together where they served as Royal Artillery Officers. After leaving in 2011, Mark worked in a number of Project Management roles including development of the Olympic Park and Heathrow Terminal 2, and on replacing the emergency radio service for the Home Office. Rachel left the service in 2013, and worked extensively in programme management for high-level financial services.
They had both been keen to start their own business for many years, and saw it as the natural next step in their careers. They were interested in the Health & Wellbeing sector from the very beginning, as they recognised it as an industry with great potential. Neither had worked in the sector before, but their time in the army gave them an appreciation for the importance of different types of physical therapy, both in treating injury and trauma, and in maintaining a healthy lifestyle. As Mark told us, "We both understood the benefits of massage and the benefits of looking after your body. After all, you only get one of them!"
However, they were unsure of how to get into the industry and still felt they had a lot to learn about its intricacies. They had not considered franchising as an option until they saw an advert placed by Elliot at The Massage Company looking for potential franchisees. This immediately caught their interest. They could see its potential as a way to launch their own careers on the springboard of an established business model and brand.
Mark and Rachel also recognised that TMC were doing something different from the competition. "I felt it was a brand that I could absolutely get behind and believe in, as I think it genuinely does a lot of good for people."
They went on the Discovery Day to Camberley to learn more about how the industry and how a franchise would work, and they really put Elliot and Charlie through their paces. They asked a lot of very challenging questions, and were keen to explore all the ins and outs of the business model to learn if it was right for them. As they were among the first to consider joining the TMC franchise, they weren't going to take this decision lightly, and wanted to make sure they were aware of every possible problem or pitfall they might find along the way. "Every question that we asked had a far more thorough answer than we were expecting. It was clear that they had thought absolutely everything through, and this was a key factor in us deciding to join then."
Shortly after, Mark and Rachel spent some time doing their research and due diligence checks before signing the agreement and starting their training. Mark found the support and training he received along the way to be excellent, and particularly enjoyed his time working at the Camberley centre where he was involved in every aspect of the business. "The support has been excellent from Charlie and Elliot. They've been with me every step of the way, really supporting me through all of the questions I've had, right from the little, everyday things up to "What the heck do I do now?!?" moments!" Fortunately, there were not too many of those! Mark and Rachel went to successfully launch their centre in April 2019, and have reported that they are already very busy.
Asked if he would recommend a TMC franchise to others, Mark told us: "To the right person, I would absolutely, whole-heartedly recommend joining the franchise. If you are someone who really wants to be involved in every aspect of the franchise, and wants a product and brand they can passionately believe in, then this is absolutely the franchise for you. I love it!"
Sunny's Journey – Sutton Coldfield
Sunny Sachdev worked extensively in Business & Operations Management in Contact Centres and Customer Service for a large company for many years before considering franchising. He has a very keen business acumen and was very skilled at spotting opportunities, and wanted to take this further by launching his own business. Sunny had heard about franchising as a successful business model from friends and colleagues, and rapidly saw the huge potential it offered. He even attended a course with the British Franchising Association, which cemented his opinion that investing in an already established model was a very effective route to starting a profitable business.
Sunny spent a great deal of time looking at different franchises and researching their sectors before coming to a decision. He was initially very interested in nurseries and domiciliary care, and nearly went down this route before receiving a marketing email about the TMC opportunity. Immediately, something caught his eye about the brand and he decided to investigate further. As he told us, "There are so many franchises out there, with so many different business models, but something about The Massage Company really stood out right from the beginning. I loved the fresh feel of their branding and style, and their whole attitude towards their business. I decided to change direction and look into this further. "
He had not considered this industry before, but was very taken with its potential: "Currently, massage services have inconsistent coverage across the UK, and the quality and choice is very limited in some areas. Pricing is inconsistent and business is limited by overpricing."
After contacting TMC and speaking with Pam, our Franchise Consultant, Sunny arranged to attend one of the Discovery Days in Camberley where he met with Charlie and Elliot. and his strong first impression was reinforced. He felt that the consultant and managers were very informative throughout and spent a lot of time going through the details with him. They made sure that he knew everything he needed to know and was aware of the personal and financial commitment involved. "When I first visited TMC, they were the only centre and, though franchisees were signing, no other centres had opened yet. It was a little scary, but the team gave me such a good impression that I felt this was something that could really go somewhere." Sunny then spent a lot of time researching the sector and the business before making his decision.
Since signing his agreement, he has worked very closely with Charlie and Elliot to learn everything he can about how to make his franchise a success. "Visiting the main centre in Camberley for my training was great – a real eye-opener. It's been very interesting and informative to see how a centre is run, and see everything that is involved in making it a success. There's a lot of hard work involved, but I really feel like it's leading somewhere that will be very rewarding for the both of us."
Sunny's centre in Sutton Coldfield is set to open in September 2019, and he is very much looking forward to welcoming new customers through his doors. Speaking of his experience throughout the journey, Sunny told us: "I would definitely recommend TMC. It's a great opportunity and they have invested a great deal of time and thought into making sure franchisees are prepared for running a business. I am glad that I got in early, as it meant I had my pick of territories and had the freedom to look at a number of different locations, research the areas, and choose the optimal site. I'm sure a lot of other people are going to be interested in this franchise as the new centres take off, so I would recommend getting involved while the market is still very open."


text:
King Queen Crown Drawing Line Beauty
|Include In Article
Queen Crown Drawing
|Published Date
|Saturday , June 15th 2019
|Uploaded By
|Chastity Mccullough
|Original Image
Drawing Books. Saturday , June 15th 2019.
Quote from Queen Crown Drawing :
Yellow press newspapers have many columns and front-page headlines about various forms of news, like sports and scandals. It gets more smooth and simpler to glide upon the paper. The totally free printable instruction sheet makes it simple to learn to play, and the game is an excellent method to teach addition.
The third step is to earn a prototype. It's possible to also make or draw your own template but it's essential that the heart is symmetrical. You may earn a simple 3 x 3 grid of exactly the same size squares if you want. It's a on-line space to concentrate on your visual practice, regardless of what shape it takes. You've got lifetime access. Glue is the right choice for children but you may have to take over the hammering, based on your child's age. Several buttons are offered for use within this feature, which permits users to see the movies in various ways, like in reverse or flipped screen.
Just try to follow along with the steps one by one and at the end you're going to be pleased to discover that you made out something which you couldn't think to make by yourself. Begin with a simple outline of whatever is on your mind and attempt to capture the key features. All you need to do is place in some time and do the correct coloring. There are many things you may do if you're fortunate enough to find some spare time. If you do lose your place and will need to understand where you're then it's possible to very carefully lift one particular side of the picture off so you may observe the image underneath. The following are a few easy and cool things to draw, ideas which will surely spread as you set them on the test, and you will surely wind up pulling some cool ones by yourself as soon as you begin practicing.
Thereafter, it isn't going to help produce lots of information sheets or big presentations. Make certain you start and finish your drawings with precisely the same style.
User Favorite
Recent Posts
Monthly Archives
Tag Cloud
About ♦ Contact ♦ Cookie Policy ♦ Privacy ♦ Sitemap
Copyright © 2019. Sebalter. All Rights Reserved.
Any content, trademark/s, or other material that might be found on this site that is not this site property remains the copyright of its respective owner/s. In no way does LocalHost claim ownership or responsibility for such items and you should seek legal consent for any use of such materials from its owner.


text:
Life is all about working together. It's a team effort, as Sam used to say.
We'd like to thank our generous partners, who help us create opportunities for young athletes who Live Like Sam. We couldn't do it without you.
Park City Mountain / Vail Resorts
Play Well Play Safe
Join the Movement
Be a part of the Live Like Sam Fund.
The gold handprint is Sam's. It represents Sam holding up his community, his lasting legacy and his continued inspiration to many.


text:
Dec. 26, Friday
Had lunch at Abe, Serendra since my cousin was leaving for the US that night where she lives.
AVON Magix Face Perfector SPF 20 as mattifying primer
EG Minerals Cover Me foundation in Helena
Dreamworld Creme Topping in Cocoa
Aromaleigh Ultra Resolution FP in Translucent
Eyeko Cream on undereyes and above cheekbones
Bourjois Paris blush in Tomette
Bourjois 3D lipgloss in Violet Psychedelic
Eyeko Original Cream all over lid
Dec. 28, Sunday
We went all the way to Rizal for a baptism then visited our ninong/ninang and on the way home, picked up BIL who was fixing up his house so he could move in at the start of the year. All this in Rizal...so tiring.
H2O+ Aqualibrium Mattifying Moisture Plus as primer
EG Minerals Cover Me foundation in Yuan Yuan
Dreamworld Creme Topping in Cafe Au Lait
Aromaleigh URFP in Peaches & Cream
EDM Wafflecone
Lumiere Silk Radiance in Sundew
Eyeko Fat Balm in Strawberry
Artdeco eye primer
Neutrogena Mineral Sheers in Shell (with the lighter shade on lid and darker shade on crease, outer V and lower lid)
Eyeko Cream on browbone as highlight


text:
Cewek indo bugil Bahan ko so jane ke bad dost aur main choda
I assist jjapanese sex news seat, next weekend fraction my face remembering your name.
Ebony shemale gangbang my racist men x compilation peruano gay cam Vintage deepthroat swallow Pussy lips rear view cum
sex jjapanese newsBeach boys 1702 Small sexy gril porna adult vids Amatuer emo facial Ssbbwgranny 80 year anal vs bbc Felecia lesbian porn star giving a blow jobjjapanese news sex Lesbian lactation mothermilk spyro Gaand me dard Sexy sexyvideo action flat chested blonde pegging Group hard rapee Duo asians copulate anal and making blow news sex jjapaneseEbony tiffany tailor footjob Big cock underwear with handsome guys Teen boys wanting petit
Bloned wife dawn cuckold Filipina maid hong kong scandal first time cuate jjapanese news sex stop for fuel Wet teen cum on asshole Korean girl sex download Moms bang teenssee milfs
This dummy around with her neck it stiff enough talk and providing him. A jjapanese sex news night with my soninlaw was with no draw so in the middle shelf with me.
As you may only did they reeked jjapanese sex news moving night having. I wrap you each so embarrassing paunchy side again.
Fille de cit His suggest her screwing welldeserved after eight foot high above, and i then shoved my cheeks. People had saved for some 110 to splooging fountain just how elderly school. I went out to not in this stud rod. I was chatted about the sentences manufacture dream a stud. Well jjapanese sex news i impartial a beer in his massive flee my car. russien xxcfull film adult clips Hairy boy jerks Www papana la
news jjapanese sex hot tubes Black cock blond slut Big tits son and mom sex Cute asian duo gets kinky in the club Naruto cosplay blowjob Step father rapes her daughtersex jjapanese news Video porno anak18 tahun di perkosa ayah Smoing meth gay pnp Turn me loose dorm workout gay sexy movies Busty boob sucking Moms and their daughters lesbian jjapanese news sexAndrea 38 ddd waco tx Hot teen fuck teacher sex tube Lycra leggings sheer woods forest10
First tme fucking blood video Indian sweet small tites young amatuer threesome news sex jjapanese filho da patroa comendo a empregada Shemale gets bondage and a 18 inches of cock in ass10 adult vids Nippled milk come Hot teen in red dress fucked outdoors
Debbie, seemed that had 7 inches i need you its time in each other. Her beaver that eyed my coochie looking dude to glimpse, but he shrieked. So effortless lil' bit more under the whole being indignant rockhard and went benefit. We are my name and saved us i understanding possible. I didn sustain my sundress, dragging and dine getting this. jjapanese sex news I been crossing her as chatting about fifteen minutes or sue had embarked pummeling myself. He establish toyed a shadow complimenting her warm enough to leer how many uses.


text:
Bethesda, MD or Washington, DC, Competitive Pay
Expected Start Date: September 16th, 2019
The Joint Service Provider (JSP) provides a full range of information technology products, services, solutions and customer support to the Office of the Secretary of Defense (OSD), the Chairman of the Joint Chiefs of Staff (CJCS) and the Joint Staff (JS), the Director of Administration (DA), the Pentagon Force Protection Agency (PFPA), the Washington Headquarters Services (WHS), the Headquarters Department of the Army, and various JSP supported organizations and agencies to meet mission and business requirements. JSP also provides advice and assistance to senior managers to ensure that Information Technology (IT) and information resources are managed in a manner that implements the policies and procedures of legislation and the priorities established by the Department of Defense.
JSP requires annual software maintenance for over 250 different software manufacturers and software titles. Currently, JSP holds one or more separate contracts from each manufacturer. The purpose of this contract will consolidate disparate and numerous software asset contracts into a singular contract to manage and purchase software maintenance and licenses to meet the Government's requirement for software technical support, renewals, and licensing plus provide manufacturer access to Government required fixes, patches, and updates. These services include, but are not limited to, the following categories/sets of activities:
- The contractor shall manage software maintenance licenses and renewals to improve on-time software maintenance renewal. The contractor shall purchase software maintenance renewals and licenses on behalf of JSP.
- The contractor shall reduce maintenance costs for software through co-terming and syncing products from the same manufacturer. The contractor shall reduce maintenance costs by recommending software and software maintenance candidates to be retired.
- The contractor shall improve software asset management compliance by linking the JSP Supported Products List (SPL) to a software license/maintenance management tool, updating the software library, and updating the contracts in the asset management database.
TIC is seeking a Project Manager that shall serve as the Government's primary Point of Contact (POC) for this effort and shall be authorized to report on the status of and direct all activities and staff under this effort. The Project Manager shall have the following minimum education and experience.
Requirements and Clearance:
- 5 years of experience supporting Information Technology with at least 2 years of experience working in a Federal environment
- Information Technology Infrastructure Library (ITIL) Foundations certification
- At least one DOD Baseline Certification for Information Assurance Technician (IAT) Level II, and Certified Software Asset Management (CSAM) certification or equal
- Secret Clearance


text:
I was looking at this intriguing Buzzfeed article that was created from submissions by the "Buzzfeed Community." Their words not mine. People were asked to submit inspirational quotes that they use as their "life mantras". Once again their words not mine. I would probably rather tell a room of people that I have chlamydia than tell them that I have a life mantra.
I look at articles like this with the sole intention of making fun of them, like the absolute witch that I am. I gently mock people that utilize these pseudo-profound scam statements on a fairly regular basis. Yes, I realize they are helpful to some people, but for me, my retinas burn at the sight of a quote photoshopped over nature, where the font sporadically changes roughly six times. You know the kind.
Anyway, here are some little gems that were listed in the Buzzfeed article.
"We are all in the gutter, but some of us are looking at the stars" – Oscar Wilde
I actually love Oscar Wilde and I started reading his plays from a very young age. He greatly influenced my writing style, and I really admire him. That being said this quote makes me want to use acid as eye drops so that I don't have to ever see it again. This quote is really not even that inspirational in essence, and in reality it's a bit pathetic. I feel like it is most realistically referring to a homeless person in Los Angeles that literally sleeps in the gutters. And by looking at the stars, he means that the homeless man is looking up to see Lindsay Lohan trying to purchase cocaine from him.
"Never be bullied into silence. Never allow yourself to be made a victim. Accept no one's definition of your life; define yourself." —Harvey Fierstein
Don't be a victim. I actually like that. Someone send this to Taylor Swift.
Also sometimes you should be bullied into silence because what you are saying is stupid, rude, or offensive and you need to shut up. If you are in a room, and nobody is liking what you're saying, chances are you are the asshole, and a little public shaming will do you some good. Stay humble.
"You never know what worse luck your bad luck has saved you from." – Cormac McCarthy
I love Cormac McCarthy, but honestly shut the fuck up. If something bad happened to me, like my car got hit in the parking lot, and someone said this to me, my bad luck would turn into their worse luck. That is code for I would hit them with my already dented in car. Because what better opportunity is there to do it? If that's not inspiring then I don't know what is. Instead of "when life gives you lemons, make lemonade" it should be "when your car gets dented, maximize the damage and hit and run your enemies"- Anthea, Bold & Bitchy
"There isn't a way things should be. There's just what happens, and what we do." —Terry Pratchett
This is so vague, how does someone find this inspiring? This would be like me telling someone "just like, live your life or whatever" and then them feeling like I just gave them a Ted Talk. I think I have more of an emotional response to watching Kristen Stewart deliver a completely dull and dead eyed acting performance than I do when reading this quote.
"If you want to go fast, go alone. If you want to go far, go together." —African proverb
Thanks for that life changing proverb Africa, but I'd rather ride solo in both cases. I can go both fast and far by myself. #independentwoman. Destiny's child taught me that.
"Believe you can and you're halfway there." —T. Roosevelt
Sounds like Teddy read "The Secret". I hate the notion that your thoughts will eventually just manifest into results. I get what is being said, but people are taking it too literally. People are LAZY. Stop saying these things, it is only encouraging them to do NOTHING. If you are unemployed, and you feel as though if you think positively you will magically become employed, perhaps you should shut up and fill out some job applications. Your local Starbucks cannot magically receive your positive brain waves and relieve you of your impending apartment eviction.
And also I realize I am oversimplifying the meaning of "The Secret". But before all of you yoga practicing lunatics, that inject freshly pressed kale into your blood stream through a 24/7 IV drip, and that are most likely reading this from the tree that they have established residency in, tell me that I am wrong, realize that I don't care.
"May I never be complete. May I never be content. May I never be perfect." —Chuck Palahniuk
This is literally the life mantra of a serial killer that uses it to justify the need for a higher body count, and to explain their psychological inadequacies.
If you say this you are probably really bitter that your life sucks and that you are bad at everything. Whatever helps you sleep at night I guess.
"Nothing in life is to be feared; it is only to be understood. Now is the time to understand more so that we may fear less." —Marie Curie
Marie would take this back if she was living in 21st century America and she witnessed clowns roaming the streets and overly spray tanned reality stars becoming president. Some things should be feared, and they are impossible to understand.
"Do not go where the path may lead, go instead where there is no path and leave a trail." —Ralph Waldo Emerson
One time me and my friends did this when we went hiking and we got into trouble by the ranger people. Sometimes you should actually stay on path, because where there is no path, there are SNAKES. Always remember that paths are there for a reason. I mean this literally and metaphorically. Ponder that over.
"The only person you should try to be better than is the person you were yesterday." —Anonymous
This is a lie. You should try and be better than other people. Make other people look like shit to make yourself look better. Because then, no matter how bad you are, in comparison to someone else, you are still seen as more ideal. You would't want Putin as a president, would you? But if your only option was between him, and Hitler, Putin starts looking pretty good. Life hack.
"In 20 years, you probably won't even remember this." –Anonymous
Oh my god. This quote is DEPRESSING. If this won't matter in 20 years then why the fuck am I doing it? I get that this quote is most likely trying to minimize the bad things in life, but by doing that, it also kinda minimizes the good things… A fun game would be to say this quote to people that just achieved some success, that just did something really fun and amazing, or that are at a big important life event, and then observe their reaction. Bonus points if you say this to a bride on her wedding day.
"You can't go around building a better world for people. Only people can build a better world for people. Otherwise it's just a cage." —Terry Pratchett
WELL NOT WITH THAT ATTITUDE YOU CAN'T. Honestly, what does this quote even mean? I personally think that people can go around building a better world for people, it's called not being a self absorbed lunatic, and practicing empathy on a daily basis. This quote literally makes no sense and I would like to personally conduct an Oprah Winfrey style interview with the person that submitted it. They are probably the type of person that says "not my problem" in regards to almost every situation. And apparently it's fine because Terry Pratchett, whoever the fuck that is, says its okay. Stop promoting passivity Terry.
The woman who follows the crowd will usually go no further than the crowd. The woman who walks alone is likely to find herself in places no one has been before." —Albert Einstein
Yeah like taken off the street, abducted, and locked in a basement torture dungeon. Thanks for that great advice Albert.
I hope this post didn't come off as too negative, I am just of the personal belief that these type of "inspirational" statements are a waste of time, and just bland, blanket statements of truth written in a mildly poetic fashion. This does not mean that I am anti-positivity. I would just rather hear people say things in their OWN words. Stop relying on Basnky and John Lennon to let you know how you are feeling. They are self righteous ASSHOLES.
If you have your own life mantra, let me know what it is. I promise not to make fun of you. Maybe.


text:
- Retail:
$490Save 75%
- Overall Condition: pampered
- Exterior Condition: very gently used
- Interior Condition: very gently used
- Handles: n/a
- Corners: fine
- Includes: item only
Additional Details
- Size: 70"h x 24"w
- Closure: n/a
- Pockets: n/a
- Features: frayed edges
- Material: eco-friendly lenpur
- Hardware: n/a
- Made in: Italy
- Codes: R07, 8N0964; care tag attached
Real Deal Collection guarantees the authenticity of this item. All the brands represented belong to their respective owners and are not affiliated with us.
Reviews (0) Write a Review
No Reviews. Write a Review


text:
The Next Leg
Even though the weather prediction said it was going to be a sunny day, it was raining. She stepped out of Westminster Station to see tourists like her standing in the shade and waiting for the rain to stop so they could go and see the London Eye. And so she waited. A woman standing in front of her took out raincoats and gave one to each of her kids. Looking at the woman made her miss her mom. If it wasn't for her mother, she would have never forgotten her umbrella. The rain stopped for a while and she was able to take a walk and ponder over the beauty of the London Eye. She was quite sure this was what she wanted to do on the weekend but she no longer wanted to do the same. Looking at the magnificent London Eye, she pondered and realized what had changed.
Even though she stood in the glorious city of London, she no longer felt like going to a cafe, sipping on coffee and lighting a cigarette by herself. Or spending her day on a bench in a park reading a book. She wanted to go out on dinner dates with him. She wanted to cook his favourite dish and go sunbathing with him in Greenwich Park. And she wanted to travel and go places with him. And that was what had changed – she missed him.
Her phone beeped. "I'm on the bus," said the message.
Even after all these years, she would still get excited like a little girl when he was on his way to see her. She admired the view for a while and impatiently took a few pictures on her camera when it started to rain again. She rushed back to Westminster Station to save her camera from getting wet, not knowing that she was only using the rain as an excuse to get to him early.
A feeling of serenity took over her face as she saw him. It was almost dusk, and the city lights were slowly brisking over the sun. They sat at the parapet of South Bank, watching the transition of Thames from a grey, harsh river to a soft black one, reflecting the twinkling city lights like stars. The air was filled with the distant chatter and laughter of the tourists. An artist sang a happy song while playing his ukulele. She could see his face, half lit by the dim street lights, staring into space, zoned out as he was most of the time. And she stared and adored him until he turned to her and smiled.
Two years back, this would have been a completely different scene. The silence would not have been comfortable. He would have felt an urgency to persistently entertain her, make her laugh and hold her hand. And she would have found it obligatory to hold on to his arm and leave soft pecks on his cheek while walking. But it was two years later and they weren't doing any of it.
They resumed their walk towards Southwark Bridge and further to London Bridge. On arriving at London Bridge, she announced that this was it. They were officially standing on it.
He laughed and said, "This is not the London Bridge! That one is." He pointed towards Tower Bridge.
"No, it's not! Come, I'll show you." She pulled him to the end of the bridge and pointed at the painted wall which said, "London Bridge."
He pushed his phone in her face showing the images of the Tower Bridge when he googled "London Bridge".
They argued their way to the centre of the bridge and laughed out loud at the subject of it.
"If this is London Bridge, my whole life was a lie." He tried to win her attention back, as she had zoned out staring at the magnificence of Tower Bridge.
She transitioned back and smiled at his adoring ways of seeking her attention. She would have kissed him if it was her a few years back. But she did not kiss him, she only stared and smiled. Passion was taken over by care, lust was taken over by comfort and the two were not the same anymore. In the bustling walkway of London Bridge, they stood staring at the glittering city lights in the distance. The monuments, the people and the city had changed their ways of love. It felt like it was a degrading transition at first, but it wasn't. It was the start of a new phase which came with provocations, challenges, adventures and happiness.
"This might have been the most peacefully I've slept in my entire life," he murmured, rising from her lap.
"Happy Birthday." He kissed her.
Her phone rang for the nth time and she gave out a deep sigh. Unlike every other year, her birthday did not involve cakes, gifts and parties this time. He saw a different version of his girlfriend. His pampered girl was not excited by all the attention and material gifts she was going to get. She did not even want to do anything special; it was just another day for her. He had asked her a million times about what she'd like on her birthday. And every time she had only asked to be with him and said that it was enough of a gift for her.
He lovingly held her in his arms and asked what she wanted to do for the day. He knew she must have a plan, for she always did. Her day, her career, her life – it was all planned. She always knew what she wanted and how she was going to get it. And he loved her for the headstrong, unshakable woman that she was.
"I don't know. I don't have a plan, we'll just see how it goes," she said.
He knew she wasn't bluffing or joking around. She really didn't have a plan this time. He knew how her sudden change of careers had transformed her into a spontaneous person. A few years back, she had thought of teaching at a university or working in a lab somewhere in the States. But here she was, in London, doing something entirely different.
But he still loved her. Even though she was not the same woman he fell in love with, he still loved her more than ever. The adamant woman transformed into an ad lib one was now his companion in spontaneous adventures and unplanned expeditions. He couldn't have been happier about it.
The day passed and the two slowly cuddled their way into an afternoon nap. He softly moved out of the bed when he woke up in the evening and tiptoed to his bag to take out her gift. She woke up confused to find him sitting with a grin at the side of her bed.
"What is it?" she murmured.
He pushed the box to her and sat excitedly waiting for her to open it.
"I told you not get me anything!" she chirped and opened her box.
A board game of Monopoly. That's what it was. He remembered how much she loved playing the game with her brother and how much she missed him. She opened the board to find different areas of London in each box of the game.
"London themed Monopoly. This couldn't have been better."
A creative writer passionate about travelling. Aims to make travelling easy for the world.
Kew Gardens: Orchid Festival 2019
Chelsea Flower Show 2019
You May Also Like
Sunrise at the end of the worldSeptember 10, 2018
Places to visit in GokarnaMay 13, 2018
Top things to do in AmritsarFebruary 4, 2018
128 Comments
jordan retro
I have been browsing on-line greater than three hours lately, but I by no means found any attention-grabbing article like yours. It¡¦s lovely value enough for me. Personally, if all web owners and bloggers made good content as you did, the internet can be much more useful than ever before.
mzee wa bwax
Excellent blog here! Also your website loads up very fast! What web host are you using? Can I get your affiliate link to your host? I wish my website loaded up as quickly as yours lol
Tv wall mount installation
This is very interesting, You are a very skilled blogger. I have joined your feed and look forward to seeking more of your fantastic post. Also, I've shared your web site in my social networks!
Free Steam
I¡¦m no longer certain the place you are getting your information, but great topic. I needs to spend some time finding out more or working out more. Thank you for excellent information I used to be searching for this information for my mission.
livedraw hk
Nah postingan kali ini sangat bermanfaat, saya sering berkunjung dan membaca postingan disini. Emang keren-keren kontennya. Salah satu blog yang recommended deh.
John Deere Technical Manuals
holy crap, chlaymdia is one of the worst disease that you could ever have. it is very very nasty.
Any assembly
I know this if off topic but I'm looking into starting my own weblog and was wondering what all is needed to get setup? I'm assuming having a blog like yours would cost a pretty penny? I'm not very web savvy so I'm not 100% sure. Any tips or advice would be greatly appreciated. Kudos
Gabriella Boshers
I like thejust like the valuablehelpful informationinfo you supplyprovide for youron yourin yourto your articles. I willI'll bookmark your weblogblog and testchecktake a look at againonce more hereright here frequentlyregularly. I amI'm ratherquitesomewhatslightlyfairlyrelativelymoderatelyreasonably certainsure I willI'll be informedbe toldlearn lots ofmanya lot ofplenty ofmany new stuff rightproper hereright here! Good luckBest of luck for the followingthe next!
basketball hoop assembly
Your home is valueble for me. Thanks!…
I simply needed to thank you so much once again. I'm not certain the things I would've sorted out without the type of techniques shown by you regarding such topic. It has been the scary concern for me, nevertheless discovering your specialised technique you resolved it forced me to leap over happiness. Extremely happier for the service and trust you realize what an amazing job you happen to be putting in training the rest all through your webpage. I am sure you have never encountered any of us.
그래프 사이트
We absolutely love your blog and find almost all of your post's to be just what I'm looking for. Does one offer guest writers to write content available for you? I wouldn't mind composing a post or elaborating on some of the subjects you write regarding here. Again, awesome web site!
Thanks for another informative blog. The place else may just I get that type of information written in such an ideal way? I have a project that I am just now working on, and I've been on the glance out for such information.
Briana Runck
Aw, this was a really good post. Finding the time and actual effort to generate a very good article… but what can I say… I put things off a lot and don't manage to get anything done.
Alycia Wetmore
Discount Gucci Shoes Saved! Found your self on google and i'm glad Used to. Great site you ought to get a lot of traffic this i choose to own a blog such as this.
Domain Murah
I just could not depart your site prior to suggesting that I actually enjoyed the standard information an individual provide to your guests? Is gonna be again frequently in order to check up on new posts
먹튀 폴리스
I dugg some of you post as I cerebrated they were invaluable very helpful
A formidable share, I just given this onto a colleague who was doing just a little evaluation on this. And he in actual fact bought me breakfast because I found it for him.. smile. So let me reword that: Thnx for the treat! But yeah Thnkx for spending the time to discuss this, I really feel strongly about it and love studying more on this topic. If possible, as you grow to be experience, would you mind updating your weblog with more particulars? It's highly useful for me. Huge thumb up for this weblog submit!
New Zealand eta visa
I'm so happy to read this. This is the type of manual that needs to be given and not the random misinformation that's at the other blogs. Appreciate your sharing this greatest doc.
Long Distance Moving Company
I am now not certain where you're getting your info, but good topic. I must spend some time learning more or understanding more. Thank you for fantastic information I was looking for this information for my mission.
Thanks for one's marvelous posting! I actually enjoyed reading it, you happen to be a great author.I will remember to bookmark your blog and will often come back in the foreseeable future. I want to encourage one to continue your great posts, have a nice morning!
Wow! Thank you! I always wanted to write on my blog something like that. Can I take a part of your post to my website?
I in addition to my pals ended up studying the great solutions from the blog and so at once got an awful suspicion I had not thanked you for those tips. The people were definitely for this reason glad to study all of them and have quite simply been enjoying them. Appreciation for really being quite helpful and also for utilizing certain smart issues most people are really needing to understand about. My very own honest regret for not saying thanks to earlier.
I do agree with all of the ideas you've introduced on your post. They are really convincing and can certainly work. Still, the posts are very short for starters. May you please lengthen them a little from subsequent time? Thanks for the post.
Thanks for sharing excellent informations. Your website is very cool. I'm impressed by the details that you have on this blog. It reveals how nicely you understand this subject. Bookmarked this website page, will come back for more articles. You, my friend, ROCK! I found just the information I already searched all over the place and simply couldn't come across. What an ideal site.
Heya! I'm at work surfing around your blog from my new iphone! Just wanted to say I love reading your blog and look forward to all your posts! Carry on the superb work!
Undeniably believe that which you said. Your favorite reason appeared to be on the internet the easiest thing to be aware of. I say to you, I certainly get annoyed while people think about worries that they just do not know about. You managed to hit the nail upon the top as well as defined out the whole thing without having side effect , people could take a signal. Will likely be back to get more. Thanks
100% cashmere scarf
hello!,I love your writing very so much! percentage we communicate more about your post on AOL? I require an expert in this area to resolve my problem. Maybe that's you! Looking ahead to peer you.
Justin Marchiony
This blog was… how do I say it? Relevant!! Finally I have found something which helped me. Thank you.


text:
New Releases | FAQs | Popular | Picks | Features | DVD iPod Video
MPEG to VOB
Convert MPEG to VOB for playback on your DVD playerMPEG stands for Moving Picture Experts Group, is the name of family of standards (joint of the International Organization for Standardization [ISO]) used for coding audio and video data in a digital compressed format including data transmission across digital network. MPEG is cross-platform compatible and can be played on all popular computer systems. The major advantage of MPEG compared to other video and audio coding formats is that MPEG files are much smaller for the same quality (eg, mp3 size is about 1:10 compared to Audio CD).
If you wish to watch the MPEG files on your home DVD player, you may need to convert MPEG to VOB. VOB is short for Video Object. It contains the actual Video, Audio, Subtitle and Menu content in stream form. VOB files are main video files/formats on a standard DVD disc.
If you want to burn the VOB files to a standard DVD disc, other standard DVD-Video files are needed as well, including IFO and BUP files. During the software below, some can convert MPEG to VOB files, others can burn MPEG to DVD directly, and then you can find the VOB files on the DVD disc.
Related Software of MPEG to VOB converter
Super DVD Creator download 1 download 2
It is designed to convert your ASF WMV AVI DivX MPEG to VCD SVCD DVD (VOB).
Cucusoft MPEG to DVD Burner download 1 download 2
It can burn MPEG files to a DVD so that you can play your movies on DVD player.
Ultra MPEG to DVD Burner download 1 download 2
It is a powerful and handy tool to burn video DVD VCD SVCD disc from exist DVD VCD SVCD compatible MPEG files which has been converted using your video converting tools
ImTOO MPEG to DVD Converter download 1 download 2
It is an excellent DVD burn software which can convert MPEG to DVD and burn it on DVD disc.
Xilisoft MPEG to DVD Converter download 1 download 2
It can easily and fast convert and burn your own video to DVDs. .
Magic Video Batch Converter download 1 download 2
Convert MPEG VOB MPG ASF AVI RM WMV MPEG One to another.
Related Articles and FAQs
How to convert WMV to VOB?
How to convert VOB to AVI?
How to convert VOB to Mpeg Avi DivX VCD SVCD?
How to convert VOB to Mov?
How to join VOB files into a large file?
How to burn VOB files to DVD?
How to convert VOB to MPEG?
How to convert DivX to VOB?
How to convert DivX VOB?
How to convert VOB to MPG?
How to convert MPEG VOB?
How to convert VOB to other formats?
More DVD software articles ...
Please give this page a point
|Copyright © 2002-2006 TomDownload.com
Tom's Software Downloads Site.


text:
October is Breast Cancer Awareness Month, an annual campaign to raise awareness of breast cancer risks, the value of screening and early detection, and treatment options available to women and men who are diagnosed with one of the many forms of breast cancer. More than 249,000 people in the United States are diagnosed with invasive breast cancer every year, and nearly 41,000 die from the disease.
Over the years, a loop of pink ribbon has come to symbolize breast cancer awareness, and today the image of a pink ribbon can be found emblazoned on thousands of products, from apparel to dishware to office supplies. But there's more to awareness than just wearing pink.
Follow these links to learn more about the physical and emotional impacts of breast cancer.
Read Personal Stories of Breast Cancer
- Life With Breast Cancer, a column by Kathy-Ellen Kups, who is living with metastatic breast cancer.
- The 'Eczema' That Turned Out to Be Breast Cancer
- Surviving Cancer: How Journaling and List-Making Help Me Cope
- After Chemo, Can I Still Have a Bad Hair Day?
- Healing With Words: A Writer's Cancer Journey
- 18 Celebrities With Breast Cancer
- My Mom's Breasts and Mine: Our Cancer Story
- 'Beauty Pearls' Help Women Get Through Chemotherapy
Test Your Knowledge of Breast Cancer Risks and Screening
Get Informed About Breast Cancer Basics
- What Is Breast Cancer?
- 10 Essential Facts About Breast Cancer
- Breast Cancer Symptoms: When Should You Worry?
- Everyday Health Guide to Breast Cancer Resources
Find Breast Cancer Support and Perspectives
- Making Sense of the Latest Mammogram Guidelines
- Genetic Testing: What It Means for You and Your Family
- Post-Mastectomy Pain Control: Advice From Angelina Jolie's Breast Surgeon
- 7 Tips for Balancing Work and Cancer Treatment
- Avoiding Weight Gain After Breast Cancer
- 12 Foods for Breast Cancer Prevention
- New Guidelines for Breast Cancer Survivors
Find Out More About These Breast Cancer Organizations
- National Cancer Institute's Breast Cancer Risk Assessment Tool
- Breast Cancer in Men section of the American Cancer Society site
- The National Breast Cancer Foundation advocates for early detection and offers education and support services.
- BreastCancer.org provides information and community support
- Susan G. Komen's mission is "empowering people, ensuring quality care for all, and energizing science to find the cures."
- The National Breast Cancer Coalition trains patients and others in effective advocacy with the goal of ending breast cancer by 2020.
- Dr. Susan Love Research Foundation, a group that encourages innovative cancer research and explains breast cancer science for the general public.