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The two growth initiatives all asset managers should be able to support
In a recent survey of over 83 asset managers (with USD 10+ billion in AUM), we found that investment managers are shying away from some of the previously popularized growth strategies, namely, mergers and acquisitions and globalization.
Instead, firms are looking from within to improve their growth opportunities.
The survey, Unlocking Growth Through Innovation, found that at the strategic level, firms are putting all their chips on building superior client service and improving their product innovation – clear winners over the other potential focus areas.
One respondent, the Head of IT at a global asset manager with over USD 300 billion AUM, summed things up nicely saying that, "We will be focusing on high quality service and promoting our existing products into these markets. We will also be looking to add new products to our portfolio and the ability to innovate and be agile will be fundamental to our growth aspirations."
Why is this the case?
In essence, core products such as equities, fixed income and foreign exchange, face such stiff competition that differentiating on this basis has become an arduous task. Combined with pressure on fees and the growing popularity of passive investment strategies, this has caused firms to look at their investment vehicles as well as the depth and quality of services offered to their clients.
Product innovation
The popularity of more esoteric asset classes such as alternatives, OTC derivatives and solutions, such as target date funds, is only going in one direction, up. In this regards, I think product innovation both about asset managers expanding their portfolios, as well as creating brand new product types.
With more focus on product innovation, firms need a system to back it up.
In another survey of our live front office clients last year, we looked at how long it takes to set up a new asset class from scratch - the average response was 2 weeks. Compare this to the months needed for legacy systems and their myriad of interfaces, APIs and so on to achieve the same and it becomes clear that for a product innovation strategy to be successful, you also need to be able to introduce them quickly, and not when the opportunity has passed you by.
Superior customer service
To differentiate yourself from the competition, the customer experience is shaping up to be a key battleground. This requires more transparency for the clients and allowing them to access the status of their portfolios, client reporting, and overview of risk exposure on demand.
So how can firms improve their client service? Automation and access to up-to-date and trustworthy information is the key.
It comes down to your capacity to do more for your clients. One important feature is an on demand client portal powered by an investment book of record (IBOR). The IBOR allows you to view and assess your positions across all asset classes, in a timely fashion. A true IBOR allows you to view past, present and expected future positions and cash combined with investment return and risk analytics. This combined with an automatic process for how to give your clients access to the same information on an on-demand basis.
Being able to onboard new clients quickly is also vital. More than three quarters (77%) of live SimCorp front office clients indicate that they use less than two weeks to onboard new clients and their mandates, with almost half (46%) stating that it takes less than a week. This ensures that your client's investment aspirations are realized quickly, reducing lost opportunities due to delays in getting clients up and running.
How will your firm be approaching growth in the coming five years? Will you also be focusing on product innovation and superior client service? And are you technologically prepared to execute on this growth strategy?
Lots of important questions. Feel free to continue the conversation with me either by leaving a comment below, or by connecting with me on LinkedIn.
White Paper
Our latest survey of investment managers worldwide shows product and service innovation are considered key to unlocking long-term growth and that forward-thinking firms have already begun taking the necessary steps to compete for the future.


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- This event has passed.
Opera… Near the Park
September 7, 2019 @ 6:00 pm - 9:30 pm
September 7, 2019
Harrison Opera House
Doors open at 6:00 pm
Music begins at 7:30 pm
Bring your picnics and tailgating gear… we'll be tailgating in the parking lot and there'll be picnicking on the lawn and in the Grand Lobby of the Opera House! Saturday night is predicted to be a gorgeous evening. Food and adult beverages will be available for sale.
This event is free and open to the public!
Due to change of venue, Reservations Required by phone at 866.673.7282 or online.

subset: commoncrawl


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"There's no better choice than ANC's US Transfer program for an ambitious student to launch one's future. Through the provision of the broad and balanced general education curriculum, ANC ensures that we all experience a well-rounded education which prepares us for the transition to US universities and for the changing world. As far as the transfer process is concerned, ANC makes sure we find the best fit for college. They work with us on college applications, interviews with university reps and visa officers, scholarship applications, etc. It's thanks to ANC I received a full tuition scholarship from Husson University of the US."
Rakitha Malewana
Internationally acclaimed innovator/ scientist/ researcher
The university holds accreditation from the Accreditation Council for Business Schools and Programs (ACBSP) and is recognized by the University Grants Commission of Sri Lanka. With several specialized majors to choose from and industry-specific curriculums, Northwood-ANC partnership has established a phenomenal record of career success for ANC graduates:
Career options and trends: public relations, digital marketing, social media, communications, event management, brand management, etc.
Career options and trends: operations management, HR, business development, marketing, project management, entrepreneurship/ family business, etc.
Career options and trends: international trade, foreign service, finance, international economics, investment banking, etc.
Career options and trends: commercial banking, financial planning, investment banking, money managing, insurance and real estate, sales and trading
Career options and trends: Computer Systems Analyst, Software Developer, Web Developer, Information Security Manager, Technical Support Specialist
Rishma Fatima Rizvi
Harrow International College, Colombo
Computer Science - York University, Canada
Mohamed Sajad Nilamdeen
Lyceum International School, Wattala
Mechanical Engineering
The Pennsylvania State University Harrisburg
Rakitha Dilshan Malewana
Nalanda College, Colombo
Biology - Husson University
Nino DeSilva
Psychology Major in the American University Transfer Program
Montana State University
Andrea Fernando
Psychology Major in the Canadian University Transfer Program
to York University


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We bio the best selling athletic shoe of all time: The Nike Air Force 1.
Ever wonder who Chuck Taylor is? snkrBIO. Know you know.
A history lesson on the man and the shoe. The legendary Adidas Stan Smith
We look at the history of the iconic and revolutionary Reebok Pump. If you don't know, now you know.


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My idea was let the kids play with beans. But keep the house clean by putting them and the beans in a big box with some trucks to drive through the beans.
It was a great idea until the 3rd or 4th time playing when they decided to make it rain beans. And no box could contain that!
Top 6 Free Toddler Apps- tested by my toddlers
my husband works for apple and so we have more apple products than we have people in the house, and our kids can navigate the iPhones, iPads, and iPods better than Grandma!
So from our iPad to yours, with love, here are our TOP 6
The ENDLESS ALPHABET app was recommended to me by a friend on facebook. This quickly made it to the top of my list. There are a list of things I love about this.
1. Teaches them puzzle skills
2. Teaches them the shape of CAPITAL alphabet letters
3. Teaches them the sound of each letter
4. Teaches them the meaning of big words, broadening their vocabulary
5. All the animations are so CUTE AND FUN
This ABC Alphabet Phonics-Preschool Kids Game Free App, really needs to have a shorter name ;) but I do love this app because it is very customizable
1. I could customize it to do LOWER CASE letters, a lot of alphabet games only do capital letters, but they will see more lower case letters in the reading so they need to know those too
2. I customized the prompts with my own voice, so when the kids play it they smile and giggle and say "Mommy!!!"
Shape Puzzle(Deluxe)-Kids Favorite Word Learning Game, is a winner here, let me tell you why
1) It is a great PUZZLE game, my youngest son at 18 month old learned to do puzzles on this app and impressed everyone who watched
2) It taught my kids a lot of vocabulary that they could use, and helped them communicate better with me. I was so impressed! I think this single reason should count as a hundred reasons to get it ;)
Ballonimals Lite is not educational but quite fun! The Lite version only does one animal, but my kids don't care, they will make this green dinosaur over and over again and giggle when he pops ;)
Toddler's Seek & Find: My Zoo Animals. This app is a fun interactive scene, you just have to try it ;)
Toddler Puzzle Shapes I love the background music to this app
1. helped the kids with PUZZLE skills
2 helped them identify and name SHAPES My oldest knew all his shapes by 2 years old
All these Apps are for free with the option to pay for upgrades. I just have the free ones on my phone, because I am to cheap to buy them.
Let me know if I missed any amazing apps! comment your favorite app and I will have my kids test them ;) ;)
Ground Turkey Stroganoff-with a kick!
I took two of my favorite recipes, combined them and then made a few substitutions.... turkey for ground beef and greek yogurt for sour cream. Then I added a surprise ingredient that really gives your stroganoff a pleasing kick of flavor....are you ready..... I added...... Relish!
Get my RECIPE HERE
I love using my Magic Recipe for many reasons, but one of my new favorite reasons is the have a rewards program, where they reward me just for using their website!
Messy Fun-1
My Boys LOVE messy play and this was a fun new one we tried.
Cornstarch and shaving cream. I put both of them in a pan. They enjoyed feeling each separate and then mixing them together.
It was messy but well worth the fun and memories. I even had fun feeling them together. I've never just played with shaving cream or cornstarch so it was new and fun for ME too!
Missing the snow?- Kid Fun
Are you or your kids missing playing in the snow? My kids aren't we have saved up paper from the paper shredder and it snowed in our house. It took me about 30 minutes to clean up during nap time. Those little papers can get in every little crack.
I would do it again though, just to hear those precious giggles and squeals of joy!
I would do it again though, just to hear those precious giggles and squeals of joy!
A Mother's Resume
Mothers Day has new meaning as a mother of 3 young kids. Today I was thinking about all the skills I have acquired as I've become a mother. No job or training could have prepared me for the job of a mother, it is at times the hardest but mostly wonderful job I have ever had!
This would be my RESUME if I was applying for my current position as mother
Hope you enjoyed the humor! Happy MOTHERS DAY to all you mothers out there (especially my mom, mother in law, and my grandmas).
Let me know what would your resume look like ;)
Tape Roads - Kid Fun
The great thing about this road is its easy to clean up and if the kids get bored just go tape a different part of their room or different part of the house and it will spark their interest again.
Have I ever mentioned how talented my boys are at making all sorts of vehicle noises!
Cinco de Mayo - Recycled Piñata
We had a lovely Cinco de Mayo.
And the DAY OF Cinco de Mayo. We decided we had to have a piñata for that evening. We used empty cereal boxes. Some leftover tissue paper from a baby shower, and some painting tape from when we painted the bathroom.
Filled it with candy we had around the house and paper from our paper shredder to mimic confetti ;)
It was fun to make, fun to break, and even fun to clean up, and it didn't cost us anything.
We try to make some part of each day a special day and holidays help us do that.
So find a reason to celebrate and make yourself a piñata!
So find a reason to celebrate and make yourself a piñata!
Pudding Painting
I did pudding painting in kindergarten and remember loving this. I hope my kids have just as fun doing it.
All you need is paper and pudding
It is also a great way to practice SHAPES, NUMBERS, & LETTERS
I know they love clean up (licking the pudding off their fingers ;)
My niece asks me every time she comes if we can pudding paint again.
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Paul undertakes Solicitor's professional negligence claims arising out of the mishandling of both contentious and non-contentious work.
Paul undertakes both advisory work and advocacy, including mediation hearings and trials on behalf of both Claimants and Defendants.
Experienced in numerous different personal injury issues including pain disorders, brain and spinal injuries and amputations. He represents both claimants and defendants. He is also well regarded for his handling of cases concerning elements of fraud.
"He's very good with clients and is very accessible; he's always available at the end of the phone and he's very good at talking through issues and deciding where to take the case."
Chambers UK 2020
"He operates at a silk level."
Legal 500 2020
"He's prepared to take on difficult cases and is always up for a fight. He has an excellent grasp of the law and is fantastic in conferences." "He's always very prepared, calm and he handles the client well - he deals with them very sensibly and is very down-to-earth, but he can also be firm when necessary."
Chambers UK 2019
"Brilliant with clients, especially in sensitive cases."
Legal 500 2019
"He has an excellent grasp of the law but I am particularly impressed with the way in which Paul deals with clients face to face. He is very sympathetic and gives the best advice in a straightforward manner."
Chambers and Partners 2018. Midlands Band 1 Junior
Experienced in numerous different personal injury issues including pain disorders, brain and spinal injuries and amputations. Clients repeatedly praise his ability to remain calm in difficult circumstances. Strengths: "Clients absolutely love him." "Approachable, efficient and dependable. His advocacy skills are impressive."
Chambers and Partners 2017. Midlands Band 1 Junior
Personal Injuries Bar Association
Professional Negligence Bar Association
BSc (Lond) (First Class Honours)
PGDL (Commendation)


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Inspiring Quilters, Stitch by Stitch
I made this batik butterfly quilt for a friend. He picked the pattern,and boy was it a challenge, but a stretch experience.
Views: 26
Turn out very nice. Great job.
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Acquisition Analysis for Aerospace and Defense Industry
Written by Chuck Marx
US Aerospace & Defense Leader
Strong demand continues to drive Aerospace OEMs. Both Boeing and Airbus have significant backlogs which also impacts demand from equipment suppliers. For example, at the end of the first quarter Airbus had a backlog of 6,716 aircraft, including 5479 single aisle airliners. This level of demand is not surprising, given that a number of airlines are expanding, particularly on shorter routes. For example, United recently announced its intent to purchase 40v small planes from Boeing at a cost of $3.2 billion. Separately, in a purchase announced in January, Southwest Airlines committed to 30 Boeing 737 aircraft. While backlogs and orders remain strong we see shifting dynamics — the cost and value gaps are narrowing and commodity volatility all beg the question: are production rates going too high
too fast?
too fast?
Driven by strong balance sheets, defense companies are looking to expand product lines and increase scope. While consolidation by major weapons manufacturers is unlikely given that the US Department of Defense wants to ensure that bidding on contracts remains competitive, niche technologies remain attractive. Software developers, surveillance equipment manufacturers and cybersecurity providers are prime targets for acquisition. For example, in February, General Atomics International Services Corporation (GA) announced that it had signed a purchase agreement to acquire Miltec Corporation, a Hunstville-based manufacturer of missiles and aerospace systems. The addition of Miltec is expected to increase GA's expertise in the areas of hypersonic vehicles and small satellites.
During the last downturn, those who had right-sized portfolios led the market because the forward-looking indicators around enterprise value and PE gave them an advantage. Because of this and the other aforementioned factors, we expect to see continued growth in the deal environment for the remainder of 2016.
Launch the data explorer at pwc.com/us/missioncontrol for a deeper dive into the data, or contact us to further discuss our insights.
For the full article click here


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40 Gillies Street, Braeside, ON•Braeside
For Sale
- $218,900
- 3 bed
- •1.00 bath
- •Built in 1904
15 days
Zolo has the most thorough, up-to-date set of Braeside real estate listings. At the moment, Braeside has 2 homes for sale, including 2 houses, 0 condos, and 0 townhouses listed for sale.
With Zolo you'll be able to find the hottest Braeside neighbourhoods, the best schools in the city, and evaluate nearby amenities. Narrow down your home search to filter by price, bedrooms, size or search by our map of MLS® listings for Canada-wide real estate.
MLS® Listing data for Braeside is added every 15 minutes to provide you the most-up-to-date home listings. Get in touch with one of our Braeside real estate agents to get started on landing your dream home today.


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City Manager's Update
March 5, 2015
March 12, 2015
City Manager's Office
• Cultural Affairs Foundation - The second architectureTALKS fundraiser for Veterans Memorial Auditorium was held on Monday, February 23 at the Kirk Douglas Theatre. The event featured a discussion and tour with renowned architect and founding partner of Ehrlich Architects, Steven Ehrlich, FAIA and his lead project manager on the Kirk Douglas Theatre project, Whitney Wyatt, AIA.
Steven Ehrlich and Whitney Wyatt (with Thomas Small as moderator) describing for the audience the challenges of converting the former Streamline Moderne Culver Theatre into the 300-seat Kirk Douglas Theatre:
A third architectureTALKS event is planned for June 7 and will feature wHY Creative Director Kulapat Yantrasast. Details to follow soon.
Community Development
• Maple Block Meat Co. – A permit has been issued for a new Texas-style BBQ restaurant located at 3973 Sepulveda Boulevard.
• Westfield Culver City – Permits have been issued for two new retail stores, Kids Foot Locker and Adidas.
• Mega Pizza & Grille – A permit has been issued for a new restaurant, located at 11028 Washington Boulevard.
• Community Development Block Grant Program (CDBG) - The City's CDBG project submission and request for funding for Fiscal Year 2015/2016 were transmitted to CDBG administration on January 29.
Included below are pictures featuring projects in Culver City that are under construction.
Hayden Avenue project: the "Pterodactyl". New offices over existing parking structure:
8770 Washington Boulevard mixed use project: "Graystar".
8850 Washington Boulevard, the "Platform" project. View of the parking structure from Washington Boulevard:
8810 Washington Boulevard, the building at the east end of the "Platform" project.
10202 Washington Boulevard, Sony parking structure expansion:
The completed Sony Studio Support Building on the left, and the Sony Production services Building on the right under construction:
5249 Sepulveda Boulevard, Temple Akiba renovation:
11957 Washington Boulevard, the "Marcasel" mixed use project:
4141 Duquesne Avenue, a new seven unit multifamily project:
Fire Department
• Captain's Academy - Fire Chief David White participated in the 28th annual Los Angeles Area Fire Chiefs Association (LAAFCA) Captain's Academy as the main facilitator and presenter. The Academy, held during the week of February 23, is for prospective and new fire captains from agencies throughout Los Angeles County. It provides attendees with the unique opportunity to hear directly from many different fire chiefs on a wide range of topics. This year's classes focused on leadership, relevant laws, change management, problem solving and customer service. Students also learned about the many current challenges in the fire service and the important role fire captains play in fostering positive outcomes for the communities they serve.
• Simulator Training – Throughout the week of February 16 members of the
Fire Department underwent extensive simulator training provided and funded by the Los Angeles Area Regional Training Group (RTG). The training focused on incident management and command procedures. These training simulations enable participants to develop skills to effectively manage fires, multi-casualty incidents, and hazardous material spills. Personnel learned to effectively assign and control resources, quickly adapt to changing situations, and work seamlessly with other agencies. The RTG consists of, and is a resource for, 31 fire departments in the greater Los Angeles area.
• Ready Culver City - For the past three years the Culver City Fire Department has participated with various City stakeholders in "Ready Culver City," a community disaster resilience pilot project sponsored and funded through the County of Los Angeles. In an effort to create a disaster resilient Culver City, "Ready Culver City" used its grant funding to offer five free CPR and First Aid training opportunities. Trainings will take place February through May 2015. The trainings were advertised the week of February 2 and three days later all five classes were full.
Parks, Recreation and Community Services
• Veterans Memorial Building and Rental Operation - The Culver City Symphony Orchestra presented its For Young Musicians program in Veterans Memorial Auditorium on February 28.
• Culver City Performing Arts Grant Program - Overtone Industries will present Spontaneous Combustion Choir on March 8 at 3 pm in the Rotunda Room at Veterans Memorial Building. The choir will perform and invite the audience to participate in the collaborative creation of spontaneous music. Singers of all levels are welcomed to join this pay-what-you-can event. More information is available at http://www.overtoneindustries.org.
• Culver City Spring Camp – Just 4 Kids Spring Day Camp registration began for residents on Saturday, February 21. Spring Camp will feature field trips to Mulligans Family Fun Center and always fun-filled trip to Knott's Berry Farm. Spring Camp will be held for two weeks, March 23 to April 3. Registration will remain open for Spring Camp until March 23 as long as there are spots available. Space is limited!
• Spring Camp Parent Orientation – Spring Camp Parent Orientation will be held on Thursday, March 19 at the Teen Center at 6:30 pm. Parents and campers will be given a 30-minute overview presentation of the upcoming Spring Day Camp. Included will be information on camp rules, camper conduct and discipline policies, field trip rules and the payment schedule for camps.
• Culver City Teen Center – The Culver City Teen Center had a special guest on Wednesday, February 25. Keta Meggett, the founder of "Team Bully Buster," spoke to the youth. Ms. Meggett started the non-profit organization which provides various outlets to youth who have been victims of bullying. She told her personal story and gave the youth tools to deal with bullying. For more information on the organization, visit http://www.teambullybuster.org/.
• PRCS Giant Egg Hunt - The annual PRCS Giant Egg Hunt, in conjunction with the Culver City Kiwanis Club, will be on Saturday, March 21 at Veterans Memorial Park from 9:45 am to1 pm. This free event features arts and crafts, games, two bunny photo booths - and of course the great egg hunt.
• Kindergarten Students Visit the Senior Center - The annual visit from Culver City's Willows Community School brightened up the Senior Center on Tuesday, February 17. The kindergarten students recited a poem, introduced themselves to Senior Center members and danced in a Conga line throughout the lunchroom.
• Senior & Social Services Staff Recognition – Senior & Social Services Specialist Darren Uhl received a Citation Award from the Association of Workforce Professionals (IAWP) Los Angeles Chapter for exceptional service to customers and outstanding contributions to the workforce development system during 2014. His nomination now moves forward to the statewide competition, where awards will be presented at a May 1 luncheon in Fresno at the IAWP annual conference.
• Senior Center Nifty Nineties Valentine's Day Party - Thank you to the volunteers from Sony's SEAD: Sony Employees of the African Diaspora group for their annual assistance at the Culver City Senior Center Nifty Nineties Valentine's Day Party. Volunteers from Sony assist annually with age 90+ guests and help in escorting seniors, handing out valentines, serving lunch and socializing with party guests.
• Volunteer Fair at Culver City High School - City staff member Jill Thomsen and Fiesta la Ballona Committee member Randy Arizmendiz attended the second annual Volunteer Fair at Culver City High to recruit volunteers for this year's Fiesta la Ballona event, to be held August 28-30. Volunteers are the backbone of the Fiesta and without dedicated individuals and groups the Fiesta could not successfully operate. Volunteer sign-ups and information can be found here: http://www.fiestalaballona.org/volunteersignup.aspx.
• Culver City Senior Center Nutrition Program - The Senior Nutrition Program at the Culver City Senior Center received the Silver Thermometer Award for its Home Delivered Meal Program during Fiscal Year 2013-2014.
Police Department
• California Police Chiefs Conference - Captains Ron Iizuka and Allen Azran attended this year's conference and training symposium hosted by the City of Riverside. This conference included presentations regarding current issues facing California law enforcement.
• Culver City High and the Police Department work together to discuss student safety - On February 26 Lieutenant Jason Sims met with students to discuss the importance of student safety.
Public Works Department
• Sustainability Highlights Tour in Culver City – On Saturday, February 21 a group of CSUN Urban Planning graduate students from California State University Northridge (CSUN) and faculty member Kaizer Rangwala toured sustainable highlights in Culver City.
• Storm Water Treatment Train Project Complete for Ballona Creek and Santa Monica Bay – The City of Culver City has completed a multi-faceted approach to help enhance water quality in Ballona Creek, local beaches, and coastal waters by implementing several projects. Funding for these projects was provided through Proposition 50 funds, which were awarded by the State Water Resources Control Board, as recommended by the Santa Monica Bay Restoration Commission (SMBRC).
• League of American Bicyclists conducts Site Visit in Culver City – The League of American Bicyclists (League) recognized the City of Culver City with an honorable mention as a Bicycle Friendly City in 2014 and 2012. The City received high marks for the large number of daily bicyclists and the adoption of a Bicycle and Pedestrian Master Plan.
• Free Bike Events in Culver City – Culver City Walk & Rollers are hosting a few community events through the City's Safe Routes to School Program:
Bike Safe, Bike Smart Family Workshop
Sunday, March 15. 2 pm to 4
Culver City Middle School (4601 Elenda Street, Culver City)
For more information, visit http://www.ccwalkandroll.com.
o Walk & Rollers Leadership Program Workshop: Saturday, March 7 – The Culver City Walk & Rollers are looking for community members seeking an active role in the Safe Routes to School (SRTS) Program. There is a workshop for you if you are interested in working with your school's SRTS Committee, taking a more active role in SRTS event coordination or simply want to better understand more about SRTS.
For more information, visit http://www.ccwalkandroll.com.
• CicLAvia Culver City Meets Venice planned for Sunday, August 9 – The City Council approved a resolution for Culver City to apply for grant funds from Metro to host an open streets event in 2015. Partnering with the City of Los Angeles and CicLAvia, the City submitted a grant application and was successfully awarded $453,600 to host a "CicLAvia – Culver City meets Venice" open streets event. CicLAvia is a non-profit organization that began its events in the City of Los Angeles and have attracted more than 100,000 participants during their open streets event.
The event will take place on Sunday, August 9 from 9 am to 4 pm at no charge to participants.
• Sewer Main Rehabilitation Lining Project Update – Phase 4 of the citywide Sewer Main Rehabilitation Lining Project began in late February. This project consists of approximately 17 miles of sewer main rehabilitation using trenchless lining technology to minimize construction impacts to the public. The overall project duration is February to December 2015.
Typical construction hours are from 8 am to 5 pm, Monday through Friday. Occasional nighttime work may be necessary at certain locations.


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Great dinner at Lincoln square steak
We ll go there again
Pre fix menu offers great choices
Steak was very good
chocolate cake and cheese cake lovely too
Good ambiance, not too noisy, good for d and more.
Def going back there.
Great dinner at Lincoln square steak
By Riki
Top 5%
Top 5%
I made it 10 days on the The Stop Eating Before Bed Challenge!
Even when I don't get to the app, every time I try eat fast on the go, the Foodstand challenge comes to mind with a smile 😀 and it helps me stick to One Bite at the time. Thus, my positive habit bu...
Day 3/7: Eat One Bite At A Time Level III
charlieemj I agree!
garv It's the power of a group challenge!
annefood Awesome all! So true.
The challenge definitely makes me try focus on one bite at the time. Apparently even I am not perfect yet :)
4yr Bibille Korean Restaurant
Day 1/3: Eat One Bite At A Time Level II
DietID_TeamDietitians It's super hard! But it gets easier if you are eating with others.
Decorative easy to make healthy addition to the dinner table.


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Anyone into the Hollywood Stock Exchange?
I signed up ages ago, watched it for a couple days and got immediately bored. Maybe because I wasn't playing to make "money", but just to invest my imaginary riches in Keanu.
Now I check in about once every 3 months or so.
Last time I was there I dumped all my Matrix 2 & 3 stock, bought my limit of Kiefer, and used what was left over to put into one of Kiefer's upcoming films...because it was cheap.
Yeah, I know. Dumping an interest in the sequels wasn't particularly smart, but I liked the idea of having 50,000 shares of Kiefer more for some reason.
Go figure.
I haven't made a "killing" but you can check out my portfolio and see that I'm still in the black. Which is a nice change from my 3-D stock situation. (technology, D'oh!)
Oh, God, you just reminded me... I haven't checked my account in ages!..... I got Keanu and I got sequels... I think I'm buying something non-keanu, just to spice things up a bit. :)Posted by: Beatrice on July 13, 2002 04:29 PM
i'll have to look more into that. it sounds fun. =)Posted by: kat on July 13, 2002 05:54 PM
I'm in!!
What's everyone's trading names....?Posted by: Keanuette on July 13, 2002 06:06 PM
mine is mtrxhzuPosted by: krix on July 13, 2002 07:31 PM
I got Keanu Reeves, Luke Wilson and Clive Owen. Sequels, 'Beyond Borders' and 'Alex and Emma'.
And, oh, my trading name is CharlizeR.Posted by: Beatrice on July 14, 2002 03:59 PM


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10Duke designs and creates technology to meet the demands of 21st century online applications. We provide a set of composable services, delivered as RESTful APIs, that allow companies to extend the core capabilities of their online application quickly and
Twitter: 10Duke
LinkedIn: 10Duke
Facebook: 10Duke
Youtube: 10Duke
Ownership / Organization Type: Privately Owned
Tax Status: Full tax
Minority Owned: Unknown
Woman Owned: Unknown
# of Employees: 0
# of R&D Personnel: 0
# of Support Personnel: 0
# of Professional Services Personnel: 0
Company Uses Contractors?: Unknown


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Update: The Mid-year sale has been extended! Shop today for the best selection - limited quantities, no coupon code needed. Enjoy the savings.
mid year sale! Extended!
Mid-year sale begins TODAY! Check out The Dutch Tulip for discounted bead specials. Limited quantities, sale ends July 1st. No coupon code needed.
Update: The Mid-year sale has been extended! Shop today for the best selection - limited quantities, no coupon code needed. Enjoy the savings.
Coming Late june
6mm Round Czech Glass Druks in Opaque Turquoise, Opaque Jade Green, and Opal Rose Pink.
6mm x 8mm Matte Czech Glass Rosaline Tulip Flowers.
6mm x 9mm Five-petal Bellflowers in Fiesta Mix and Spring Mix.
10mm Czech Glass Saturn Beads in Opaque Red and Opaque Jet Black.
12mm Egyptian-inspired Bird Coin Beads in Turquoise, Coral Red and Opal Orange with a Bronze Inlay.
Carved Marquise-shaped Window-cut beads in Pastel Mix and Autumn Mix.
flash sale!
FLASH SALE! Use Coupon Code "FLASHSALE" at The Dutch Tulip through June 13th for FREE domestic shipping - no minimum purchase required! Be inspired, get creative, have FUN! Happy shopping.
Coming in june
Beautiful 6mm Round Czech Druk Beads in Opal Green, Opal Amethyst and Opal Aquamarine.
Silky 14mm Matte Leaves in Blue Zircon and Light Emerald Green.
Sparkling 6mm Matte Metallic Gold Faceted Round Beads.
Cool Transparent Ruby Red Claw/Tooth Beads.
Also, back-in-stock: 3mm Matte Metallic Gold Faceted Round Beads and 6mm Native Forest Mix Faceted Round Beads!
The Dutch Tulip
The Dutch Tulip has been happily supporting the crafting community since 2007.
February 2016


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Even though Dubrovnik, Croatia is a city of steps and stone, you find gardens springing up in all sorts of places, like this side "street" of steps leading to the top of the city. The light you find in narrow alleys, that filters down onto plants like this, is some of my favorite light for photographing.
For "Weekend Away," I take a little blogging break and share random photos captured in my travels.


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The Israelites Return With New Full Length Effort "Restoration"
Long running SKA collective – The Israelites, have returned with a new full length effort named "Restoration". You can pick this album up on any of the major digital stores and streaming sites. The album will be released soon on CD and Vinyl.… Continued →


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Thursday, December 13, 2007
Rescuing Sprite
The last book I read was called Rescuing Sprite: A Dog Lover's Story of Joy and Anguish by Mark Levin. What a great book! I laughed, I cried, etc, etc. What I really loved was how this seemingly typical story, of a family, their pet dog, and his life and death, turned out to have a lot of substance. In fact, I would definitely recommend this book to anyone suffering from the loss of a pet. I wish this book had been around a few years back; my life took a sharp downward turn when I lost both of my dogs, unexpectedly, within the span of 4 weeks. In Rescuing Sprite, Levin touches on some deep philosophical stuff, and at one point with an unlikely source-Rush Limbaugh. So grab your your pet, curl up, and read Rescuing Sprite. It's certainly worth your time!
Posted by Jessica at 10:31 AM
Labels: book review, Dogs, life, rescuing sprite
2 comments:
- helena said...
Thanks a trillion for enabling full posts in RSS! Way, way awesomer! :)
- December 13, 2007 at 12:38 PM
My mother-in-law just gave me this book for my birthday. :)
- January 6, 2008 at 11:08 PM
Subscribe to: Post Comments (Atom)


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This article does not cite any sources. (December 2009) (Learn how and when to remove this template message)
A cycloalkene or cycloolefin is a type of alkene hydrocarbon which contains a closed ring of carbon atoms, but has no aromatic character. Some cycloalkenes, such as cyclobutene and cyclopentene, can be used as monomers to produce polymer chains. Due to geometrical considerations, smaller cycloalkenes are almost always the cis isomers, and the term cis tends to be omitted from the names. In larger rings (from around 8 atoms), cis–trans isomerism of the double bond may occur.
See alsoEdit
|This organic chemistry article is a stub. You can help Wikipedia by expanding it.


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September 26, 2016
Marathon County UW-Extension master gardener Eileen Riehle led a big crowd at MCPL Wausau through a number of different wild plants that can be safely foraged and eaten during this presentation from September 2016!
September 26, 2016
Marathon County UW-Extension master gardener Eileen Riehle led a big crowd at MCPL Wausau through a number of different wild plants that can be safely foraged and eaten during this presentation from September 2016!
September 2, 2016
Jackie Carattini, family living agent with Marathon County UW-Extension, discusses tips and techniques for canning tomatoes, creating tasty salsas and more as part of our summer canning series.
April 28, 2016
Here's a short video with historical and current pictures and video, showing the different MCPL locations over the years and clips from some of the diverse programming we provide in our communities. This video was created in the spring of 2016 and edited with iMovie. Enjoy!
April 16, 2016
To go along with the 2016 NLW theme of "Libraries Transform," MCPL has put together a historical slideshow featuring images and information highlighting the many ways MCPL transformed, from starting as a small men's literary club in the mid-to-late 1800s to becoming a modern-day entity that serves the largest county in Wisconsin (by area) with nine locations. Watch MCPL's evolution and catch a glimpse of what the future may have in store!
March 1, 2016
James P. Leary, retired folklore professor from UW-Madison, spoke Feb. 25 at MCPL Wausau about his book "Folksongs of Another America: Field Recordings from the Upper Midwest, 1937-1946" published by University of Wisconsin Press.
January 20, 2016
June was National Hunger Awareness Month, and members of the Marathon County Hunger Coalition were at the library to share information about hunger and food insecurity in our communities.
December 3, 2015
China has become one of the world's superpowers and plays a major role in global politics and economics. This lecture and discussion on current political and economic issues in China was led by Harlan Grinde, retired emeritus history professor from UW-Marathon County.
October 29, 2015
A moving, inspirational evening with Gary Beyer, who was diagnosed in 2008 with a rare, untreatable muscle disease called Inclusion Body Myositis (IBM). He's since written two books and speaks with groups all over Wisconsin and beyond about staying positive and living a fulfilling life in the face of illness - an illness shared by just 11 other people in Wisconsin.
October 29, 2015
Wisconsin author David B. Whitehurst leads a discussion of a 2004 incident in which a Hmong individual, Chai Soua Vang, killed six deer hunters and wounded eight others. Whitehurst, author of "Tree Stand Murders" about the incident, argues the shootings were more than racially motivated.
October 29, 2015
Heather Schlesser, dairy and livestock agent with Marathon County UW-Extension, presented a program on the many aspects of raising chickens at home.
August 14, 2015
Jeff Wood, senior lecturer of English at UW-Marshfield/Wood County, gave the audience at MCPL Wausau a history of Sir Arthur Conan Doyle's famous detective on Jan. 19, 2016.


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The Sky This Week, 2018 January 8 - 16
|Orion and environs
imaged from near Morattico, Virginia on 2016 January 3.
The Moon is visible before sunrise this week, waning through her crescent phases as she dips low along the path of the ecliptic. New Moon occurs on the 16th at 9:17 pm Eastern Standard Time. Luna and the planets Mars and Jupiter deliver a fine photo opportunity for early risers on the 11th, forming a tight triangle in the gathering twilight.
This week finds some 3000 astronomers from around the world converging on the Washington area for the 231st Meeting of the American Astronomical Society. 2017 was a year full of exciting announcements ranging from the first detected collision between neutron stars to the discovery of the first interstellar asteroid. The latest results from ongoing planetary exploration missions, high-energy astrophysics, and instrumentation will highlight the week's proceedings. Among the highlights is a public talk by the editors of the popular Astronomy Picture of the Day website entitled "The Year's Best Astronomy Images". While pictures made with the Hubble Space Telescope grab most of the public's "wow" reactions, the work of many dedicated astro-imagers give the HST a good run for the money. The talk will be held on the evening of the 9th at 7:00 pm EST at the meeting's site at the Gaylord National Hotel at National Harbor.
January's evening skies are dominated by the impressive collection of stars that make up the constellation Orion and the surrounding bright stars of the Great Winter Circle. The long, chilly nights are lit by the glow of 9 of the 25 brightest stars in the entire sky, with Orion serving as a sparkling centerpiece. Visible from virtually every inhabited place on the Earth, Orion is one of the oldest star patterns that we can find in ancient records. He occupies a prominent place in the mythology of many past civilizations with his oldest descriptions dating to the Old Kingdom of Egypt, where he was identified as Osiris, god of the underworld. By the time of the Fifth Dynasty the pharaoh was believed to transform into Osiris upon his death, and in the famous "pyramid texts" this transformation is incorporated into the king's mortuary cult. The origins of this transformation probably date back to early dynastic times around 3200 BCE. Our "modern" skylore, which derives from Greek and Roman traditions that are almost 2000 years old, depicts Orion as a Hunter, but he has no prominent place in their legends. Orion is perhaps the most widely-recognized star pattern in the sky, with the bright red-tinted star Betelgeuse and the ice-blue star Rigel separated by the three "belt stars" Alnitak, Alnilam, and Mintaka. Most of Orion's stars are very far away at distances of over 1000 light-years, which means that they are highly luminous. Alnilam, the middle star in Orion's belt, is some 300,000 times more luminous than our Sun!
Orion is a wonderful constellation to explore with binoculars or a small telescope. From the city you can admire the beautiful blue colors of the belt stars and Rigel, which contrast with the distinctive red-amber hue of Betelgeuse. From a dark location the constellation's fainter stars come out, and careful scrutiny of the stars that form the diminutive "sword" under the belt stars will show the fuzzy glow of the Great Nebula set in a grouping of blue-tinted stars. Direct a small scope at the nebula and you'll see swirling clouds of glowing gas surrounding a heart of four bright stars that are newly-born from the surrounding gas and dust clouds. Long-exposure images from dark skies show the entire constellation suffused with the glow of star-forming nebulosity. It's one of the most active star-forming regions in our Galaxy.
The morning sky is where you'll now find the elusive planets. The easiest ones to spot are Jupiter and Mars. The red planet passed Old Jove at the end of last week, and he will soon abandon his giant rival. This will take a few weeks to play out, but this week you'll get a fine chance to see the pair with the waning crescent Moon. Mercury, Venus, and Saturn remain too close to the Sun to easily see before daybreak.


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Congressman elect Tom Malinowski stops in for the Phillipsburg Democratic Committe/Warren County Democratic Committee 2018 Holiday Celebration.
Phillipsburg is the only Town in Warren County to be selected as an opportunity zone. This program may provide what is needed for development along the Delaware riverfront that will provide ratables, new revenue and much needed income into the coffers of the Town.
The Republican Town Council Representatives Robert Fulper, Danielle DeGerolamo and Frank McVey are being sued for partisan attack on a Phillipsburg Town Employee.
Next page: Who We Are


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Operational Impacts at Disney Springs on December 31
With the busiest time of the year upon us, the roadways around Disney Springs and the rest of the Walt Disney World Resort are anticipated to be busier than usual, particularly on December 31. For this reason, Guests and Cast members should expect to encounter some detours and delays and drivers should allow for extra travel time. Resort Guests are encouraged to use Walt Disney World transportation. Continue reading this article for additional information.
Merchandise Shop Operating Hours at Disney Springs
World of Disney and shops located in the Town Center and the Marketplace will remain open until 10 p.m. on December 31, allowing merchandise Cast Members to leave before midnight.
Food & Beverage
The following locations will offer special menus on December 31:
- Bongos Cuban Café
- Paradiso 37
- Wolfgang Puck Dining Room
- Frontera Cocina
- Portobello Country Italian Trattoria
Nighttime Spectaculars at Walt Disney World Resort
Similar to previous years, Disney Springs and Disney's Animal Kingdom Theme Park will not feature fireworks. Guests can see fireworks at Magic Kingdom Park, Epcot and Disney's Hollywood Studios on Dec. 31. "Starbright Holidays – an Intel collaboration" will be presented at 7 p.m. and 8:30 p.m.
Taxi and and Uber location changes at Disney Springs
The taxi locations at Disney Springs will be consolidated into one beginning at 10 p.m. on Dec. 31. At that time, all taxis will relocate to the new location on Ring Road behind AMC Disney Springs 24. The Guest drop off and pick up location, including Uber, will be relocated beginning at 10 p.m. on Dec. 31. At that time, Guests should be picked up and dropped off in the Strawberry parking lot and Suntrust lots.


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Home / TEFL Certification / Teach English Kazan / TEFL Course Deals / TEFL Institute Online
Check out Tesolcourse.com about TEFL Institute Online and apply today to be certified to teach English abroad.
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This is how our TEFL graduates feel they have gained from their course, and how they plan to put into action what they learned:
In this unit we learned that the teacher plays a really important role in the learning process. If the teacher is poor at engaging the students then the lesson will not be nearly as effective. It is important to make everyone feel comfortable so that learning can take place. The lesson also showed how to be ineffective as well so we know both sides of the coin.
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Wagyu and Crossbred Wagyu breeding animals and commercial slaughter animals may be registered and their performance data recorded for genetic analysis through Wagyu BREEDPLAN. Animal registration and performance recording is important to confirm the pedigrees of animals, to assist with genetic selection and future mating decisions, as well as confirming Wagyu breed claims. Commercial slaughter animals benefit from registration through confirmation of Wagyu breeding for beef brand input verification and live export. The addition of performance data for both breeders and their slaughter progeny enables accurate prediction of selection indexe through Wagyu BREEDPLAN.
Full membership is required prior to being able register and collate performance records for animals. For more information about the benefits and how to become a member of the AWA please go to becoming a member.
Animal registration forms the fundamental building block for seedstock production. It aims to record the animal and its sire and dam, which must already be registered, therefore establishing the pedigree "tree" for the animal i.e.;
To ensure the sire and dam are correct the AWA requires the sire and dam to be verified using DNA parent verification testing prior to registration. Hence registration with AWA is a two-step process:
1. DNA Parent Verification
2. Animal Registration
To view information on membership and registration, download the Member Guide


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[ syll. qa-mrah, qam-r-ah ] The baby girl name Qamrah is pronounced KAEMRAH- †. Qamrah's language of origin is Arabic. Qamrah is a variant transcription of Qamra.
See also the related category arabic.
Qamrah is a rarely used baby name for girls. It is listed outside of the top 1000 names.
Baby names that sound like Qamrah include Qamra, Qamrra, Kamra, Qamara, Qamrea, Qamria, Camara (English), Camera (English), Camira, Casmira, Cynarah, Cynarra, Cynarrah, Kamara, Kameara, Kameira, Kamera, Kamiera, Kamira, and Kamyra.
† approx English pronunciation for Qamrah: K as in "key (K.IY)" ; AE as in "at (AE.T)" ; M as in "me (M.IY)" ; R as in "race (R.EY.S)" ; AH as in "mud (M.AH.D)"


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WETLANDS; ENVIRONMENTAL PERMITS; DUE PROCESS — Where an environmental permitting authority abuses its discretion by taking an extraordinary length of time to respond to a property owner's applications and communications, such as eight years or more, the authority violates the property owner's due process right to be heard on a timely basis and in a meaningful manner.
A landowner built a house on its 20 acre property. It had a septic system, a garage, tennis court, deck, and gazebo. When completed, the owner sought a certificate of occupancy (CO) for the premises, but met constant objections from the New Jersey Pinelands Commission on the grounds that the structures encroached on wetlands and on wetland buffer zones. Nonetheless, permits had been granted for the house and septic system five years after the home was finished. The Commission issued a report recommending that development of the proposed dwelling be denied. In response to a Commission's letter asking him to "restore the site," the owner submitted engineering reports showing a sufficient wetlands buffer. The owner next heard from the Commission eight years later when the Commission filed an action alleging that the owner's house, septic system, and driveway were built in wetlands or wetland buffer areas. The lower court found that while the owner had not obtained building permits for any of the structures other than the house, septic system, and garage, if the existing construction had no real effect on the wetlands, the owner was entitled to a stay of an order directing action and could seek a waiver from the Commission to allow the improvements to remain. The owner submitted his waiver application to the Commission with proofs that the structures would not impact the wetland buffers. The Commission did not respond for two and one-half years when the Director of its regulatory programs then sent a letter denying the waiver application. The letter suggested that the improvements on the property resulted in a "significant adverse impact." The lower court directed that the owner should have the right to a review of the Director's letter even though the owner had received late notice of a proposed adoption date of the Director's decision and had chosen not to contest a submitted draft resolution memorializing the Director's decision which was later adopted. The owner appealed the Commission's findings.
In the appeal, the Appellate Division took the uncommon step of exercising original jurisdiction and reversed the Commission's decisions and ordered that a CO be issued. It chastised the Commission for its untimeliness on the waiver application and found that the Commission had deprived the owner of his due process right to be heard on a timely basis and in a meaningful manner. The Court found the Commission abused its discretion given the extraordinary length of time the owner had been attempting to provide information and secure a hearing, and given the Commission's failure to address the application timely. It also noted that the Commission failed to properly consider a survey that showed the owner's structures occupied only a small percentage of the twenty-acre property, and it was struck by the Commission's lack of timeliness in view of its claim that the wetlands were so significantly affected by the development.
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Steve Reich
Stephen Michael "Steve" Reich ( /ˈraɪʃ/; born October 3, 1936) is an American composer who is one of the pioneering composers of minimal music along with La Monte Young, Terry Riley, and Philip Glass. His innovations include using tape loops to create phasing patterns (examples are his early compositions, "It's Gonna Rain" and "Come Out"), and the use of simple, audible processes to explore musical concepts (for instance, "Pendulum Music" and "Four Organs"). These compositions, marked by their use of repetitive figures, slow harmonic rhythm and canons, have significantly influenced contemporary music, especially in the US. Reich's work took on a darker character in the 1980s with the introduction of historical themes as well as themes from his Jewish heritage, notably the Grammy Award-winning Different Trains. Reich's style of composition influenced many other composers and musical groups. Reich has been described, in The Guardian by music critic Andrew Clements, as one of "a handful of living composers who can legitimately claim to have altered the direction of musical history", and the critic Kyle Gann has said Reich "may...
BAM150A captivating history of the nation's oldest performing arts center (which mirrors the evolution of performing arts in 20th century America) BAM150 chronicles the vibrant past, present and future of the Brooklyn Academy of Music. Through footage of recent performances, intimate interviews, and an...Watch Movie
My Name is OonaGunvor Nelson's entrancing study of her young daughter is not so much a portrait as an invocation. Quicksilver montage make it impossible to discern where one image ends and another begins, richly conveying a fluid sense of a being. As much a work of sound art as a visual poem, the incantatory...Watch Movie
Other content from Wikipedia, licensed under CC BY-SA


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3-14-18 Today's Tarot is the Father of Earth. Find some way to give back for everything you have received. It could be volunteering or just giving to the Earth, by beefing up recycling efforts. Whatever you do, it is always noted! This card is about abundance and endurance.
Teresa Sue McAdams
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Womens are very fond of shopping. They love to buy dresses, accessories, foot wear, jewellery etc every day, every week. Whenever a new brand is introduced in the market they would rush to the market to buy it. In a routine, she wears normal clothes but on some special occasion she wants something different which make her look beautiful and elegant, especially when she has to go to church. During the past, women used to wear simple dresses while going to church. She couldn't use the same dress for any wedding ceremony, birthday party, cooperative functions etc. But now there are Ladies church suits available in the market at a very reasonable cost that anyone can buy and can be worn on various occasions.
These suits are available in different colors, fabrics, design and patterns. Women are very conscious about their looks and beauty. They always want to look the prettiest and always want to stand out amongst the others in the race. But to look graceful she must choose a dress which fits her properly and the accessories that match her dress. She can wear hat and neckpieces along with her dress. Church suits for women not only make a woman look pretty and elegant but also enlightens her with confidence in her persona. She can wear these suits even in wedding ceremonies, co-operative functions etc. Christians visit church on Sundays which is customary among them. They pray in front of God and ask for his love. These suits make their visit to church more beautiful. You are noticed only by what you wear so you should be dressed properly with appropriate dress color which suits you.
Womens church suits are available for all types of seasons like for winter season these are available in polyester and silk and for summer season in cotton and chiffon. She can wear matching high heels with her dress which make her look more attractive. Choosing the right color according to your skin tone is also equally important. If she is dark in color then she must not select bright colors. She must wear light color in which she looks good. There are suits available according to the length also. Long dresses are wearable in winter season also as they will cover your whole body and protect you from severe cold. So you can wear these church suits anywhere according to your wish and can become the most beautiful woman in the world. You must add charm to your beauty by wearing matching hats, neckpieces and scarves. You can buy expensive designer suits as well as local brands affordable suits which fit into your budget. So wear these suits and make yourself stunning.


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Address: PO Box 182, Channel House, Forest Lane, St Peter Port, GY1 4HL
Telephone: +44 (0) 1481 737984
Fax: +44 (0) 1481 712634
Email: firstname.lastname@example.com
Website www.weighbridge-trust.com
Weighbridge Trust Limited is an independent trust company formed in 1978 and wholly owned by the founders and senior management.
Their experience and independence enables them to analyse our clients' individual circumstances and offer a fast and efficient personal service tailored to meet their individual requirements.
Their Priority is and will continue to be the provision of professional and dedicated staff maintaining the highest standards of personal and confidential service.
They build long term relationships based on mutual trust and respect. Every client has direct access to at least one of the directors. It's a philosophy that suits their clients perfectly.
Weighbridge are very much director led and a member of their board is directly responsible for each client. This ensures that every matter is handled with the care and attention that it deserves.
They take time to build knowledge and understanding of their clients and their business.
They consider the longevity of their client relationships to be a reflection of their success in building a strong understanding of, and a good relationship with their clients and their advisers.


text: Couldnt resist as total sucker for G1 so nabbed this off ebay - super nice figure if your a geewuner, okay figure if your not. Transformation is nice and simple much like the original, boot flips up and arms fold out, legs pull down and flip round at the waist, the head and shoulders extend out of the body via a little automorph gimmick where you push the roof top upwards. The wings fold out of the door panels therefore no flight mode for tracks, the missiles also unclip from under the door and clip back onto the shoulder mounts. Articulation is good, knees and hips dont have much range of movement and the bulky upper body stops the arms crossing over the chest area, all said though its a solid 6/10 and a worthy addition to your modern G1 collection.


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This Is the Simple Hair Care Routine That Will Stop Your Hair Fall
No need to sit for hours in a salon for a treatment!
The common causes of hair fall such as stress, hormone levels, and medication can be quite difficult to manage. We have little to no control over them. So if your strands are falling out, it's important to compensate with your hair care


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Massage Les Studios
Massage Les Studios
Business Hours:By appointment only
About Massage Les Studios
At Massage Les Studios from our receptionist to our therapist, we strive to give the best service and comfort to each client. We pride ourselves in giving excellence service to ensure your best massage experience.
Release Relax & Rest...
Business Hours:By appointment only
Yelp Reviews (11)
I found this place on Groupon so I didn't know what to expect. The studio itself was kind of hard to find in the office building it's located in. ... read more
I arrived a few minutes before two and had problems locating the salon. Apparently, they are in the building in the compound BEHIND the HEB compoun... read more
Hmmmm, after reading the reviews it seems the only thing I was missing was the therapist - Ed. Pros: - Location is great, right in the heart of H... read more
Google Reviews
They are supposed to open by 10am on Saturdays according to Google. At the office it days 9am. I called the office 3 times and got no answer. Went ... read more
I love this place....but i miss my therapist Curtis...any one know where he work now. read more
I had a session with Curtis...he was very professional. I work very long hours in retail management and was long overdue for a massage. I'll defini... read more


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The All Def Digital crew link up again for another episode of "Great Taste". This week we see the squADD discuss their favorite bbq meat.
Which meat is the best? What satisfies your bbq tastebuds better?
Join the discussion by watching the latest episode of this All Def Digital series. Watch the full episode now below:


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Please adjust the options below so we can estimate the most accurate monthly payments.
Have a question? Want to talk something over? Contact us with any questions, concerns or information requests. At River City Auto, your satisfaction is important to us. We're happy to hear from our customers and we will get back to you real quick. Or feel free to stop in!
River City Auto
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Chattanooga, TN 37421
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One thing I've learned in life is that I am not designed to work alone. Two people working together can accomplish far more than those two people working independently. This is one of those truths that almost everybody readily acknowledges, yet quickly forgets. There lurks within me a streak of independence that loathes to ask for help, so I often end up spending too much time on a project, doing sloppy work on the project, or not completing the project.
Trying to do everything myself not only robs me, but it also had a negative affect on those around me.
- My stress increases, so I have less patience for those around me.
- Other people have to work on or complete projects that I might otherwise be able to work on.
- I'm not transferring skills to others.
- I'm not building relationships with others.
Yes, these seem like obvious points, but perhaps I needed a little reminder, courtesy of Andrew Carnegie. Carnegie founded and built Carnegie Steel Company (later US Steel) into one of the world's largest companies, and in the process became one of the world's wealthiest men. He was born 172 years ago today.
No man will make a great leader who wants to do it all himself, or to get all the credit for doing it.
Andrew Carnegie (b. 11.25.1835 – d. 8.11.1919)


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Pilar Pérez Ocón is currently a Ph. D. Assistant Professor of Spanish Linguistics at the Castilla-La Mancha University (UCLM) in Ciudad Real, Spain. From 2009 to 2014 she was Adjunct Professor at the National Distance Education University (UNED) in Madrid. From 1996 to 2009 she worked in the Grammatical Archive of Spanish Language at the Cervantes Institute in Madrid. She holds a Ph. D. in Linguistics from the Alcalá University (UAH) in 2008.
Her main areas of research are Spanish syntax, syntax-pragmatic interface, generative grammar, wh- constructions, pied piping phenomena and Spanish grammar teaching. Her latest publications in linguistic journals include articles on the accent in relative words (in Estudios de fonética experimental, with E. Gutiérrez y N. Polo, in press) and lexical constraint phenomena applied to writing teaching (in Lingüística en la Red, with E. Gutiérrez, 2017). Other recent publications include book chapters on free relative constructions (in Las relaciones interoracionales en español, M. V. Pavón, ed., Mouton de Gruyter, with E. Gutiérrez, 2016), the relationship between intonation and evaluation (in Evaluation in Context, L. Alba-Juez y G. Thompson, eds., John Benjamins, with V. Escandell y V. Marrero, 2014), the evaluative function in interrogatives (in Actas del XVI Congreso Internacional ALFAL, Universidad de Alcalá, 2011), procedural mismatches in interrogatives (in Actas del XII Congreso Internacional de Lingüística General, Universidad de Alcalá, in press) and pied piping (in El movimiento de constituyentes, J. M. Brucart y A. J. Gallego, eds., Visor, 2012).
She has participated in funded research projects on evaluation on different text types (FUNDETT, headed by L. Alba Juez) and interpretative/procedural mismatches (SPYCE, headed by M. Leonetti, and SPIRIM, headed by V. Escandell).


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This is episode #404, and my guest today is Gary Harper. Gary and I have become very good friends, and I respect him tremendously…and I've recently asked him to start consulting my businesses. Gary is an expert at business process and design. Not so sexy, but critical for your business, and ultimately, your own financial well being. Many real estate investors, even if they achieve some level of success…end up 'self employed'. They don't own a business…the business owns them. We want to get you out of that rat race, if that's where you're at. Today we talk about why most real estate investors fail in scaling their businesses, and end up trapped. We'll also discuss how to avoid this, if you're just getting started, as well as how to change this situation if you're currently stuck. Please help me welcome Gary Harper to the show!
To learn more about FlipNerd's Real Estate Investor Coaching Program, visit FlipNerd.com/Coaching.


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Zadnji savjeti
Povezani savjeti
Dubrovnik Islands Boat Tours
Welcome To Dubrovnik Islands Boat Tours!
Dubrovnik boat rental company Dubrovnik Islands Boat Tours is offering a private boat tours for groups and individuals in Dubrovnik.
Half Or Full Day Cruising?
Dubrovnik Island Boat Tours gives you a unique opportunity to rent a boat with skipper or just bareboat rental dubrovnik and create your own perfect day at sea.
Dubrovnik Boat Rent can organize private island boat tours, boat excursions dubrovnik and speed boat transfers for Elaphite Islands, Mljet Island or Korcula Island.
We can show you the best spots for swimming, snorkeling and underwater photography and help you to experience Dubrovnik in most exceptional way, chose the best tour for your needs and suggest the best places to see in Dubrovnik archipelago. We are here for you!
Rent a boat Dubrovnik is the best way to see and explore island beauties Elaphite Islands tours, Mljet island or Korcula island.
All this is possible with boat rental dubrovnik. Discover hidden caves, sandy beaches, and many other places. You are on the right place!
With Dubrovnik Tours you can combine more tours during one day with no extra charge. Each place offers you a unique experience and beauty.


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Annual Reports
The 2019 fiscal year was one of tremendous growth for Walking with Purpose, and we are humbled to have accompanied more than 42,000 women and girls on their journey with the Lord. As Walking with Purpose moves into its second decade as an apostolate committed to the new evangelization, we're embracing our identify shift from an entrepreneurial start-up to a high-growth ministry. Our 2019 Annual Report highlights the Holy Spirit's many victories through Walking with Purpose in the last year.


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Sol Sessions Winter Edition
Date: Saturday, January 27th, 2018
Time: 10pm till late
Fee: HK$150 incl. 1 standard drink
The masters will be at work for our Winter Edition of Sol Sessions with Founders Mike Wolf (AUS) & Ed Rollo (AUS) at the helm bringing you a funky mix of the full range of house genres from soulful to future with support from guests DJs Man One (UK) & Melody Lane (CH) – expect deep energetic vibes to keep you dancing strong in the highest bar in the world.
EventList powered by schlu.net


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What do you pay attention to when you are arranging your home?
Our house can be a place where we rest, relax, refresh and enjoy- but it also can be a place which makes us tired and deprives us from our own valuable energy.
Spring is the best time to refresh your house and let it breathe, add more light into the dark corners of the rooms and stimulate the energy flow; allowing smoothly changes entering your life.
Discover how Feng Shui can help you feel better in your own home.
The way we arrange our home effects our mood, well-being, our energy level and the motivation to act. Feng Shui is giving us insights in how this works, explaining how to create good energy and harmony.
A pleasant smell in house can improve the mood and create memories for life. Essential oils and aromatherapy contribute to creation of harmony and balance in your home.
————— Because smell is very powerful.
Smell goes directly to the limbic system, the old part of the brain responsible for the emotional responses.
We explore how to apply different scents in the rooms of your house to calm you down and relax your mind or uplift your mood, and cheer up your spirit.
You receive a small gift for your home.
Bring the floor plan of your house and photos.
18 May 2019
15:00 – 17:00
Price: 35,- (including a small present)
Cosy Cosas, Haagweg 92, Rijswijk
sms Darina 06 10498856 or
Patricia (Cosy Cosas) 06 10874714


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ECIPE Internship Programme
From my friends at the ECIPE.
ECIPE has an internship programme (internships are salaried) and accepts every semester two candidates. Candidates should have a Master's degree in economics (international economics/trade economics), international political economy, European integration, or an equivalent discipline relevant for ECIPE's research profile. We are particularly looking for candidates with an excellent academic record and with a strong interest for a future career in academia, journalism, or policy making. Interns will participate in all of ECIPE's work and will undergo a training programme that is designed after their future career interests. Interns assist ECIPE scholars with research assistance and participate in research programmes. Interns should have excellent writing skills and should be fluent in English. The application should include:
• Letter of interest explaining why you would like to do an internship with ECIPE (1 page);
• CV with two academic references;
• MA/MSc dissertation in English (if your MA/MSc dissertation will be finished soon after the deadline, send your BA/BSc dissertation and a research outline of the MA/MSc dissertation).
Applications for the fall internships (starting September/October) should be sent to ECIPE (email@example.com) no later than June 15.


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Welcome to Nice Sex Pics the hottest site on the net for free daily sex galleries full of nude girls, porn teen pic. Watch our 18+ nudes in exclusive sex pictures.


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Blog Stats
- 25,660 hits
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- Re-opening my own digital garden.
- How to add storage to your Nexus 7
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Tag Archives: me
Come Fly With Me…
Come Fly With Me… This is a mixed media of my interpretation of a Zeplin. All the alchemy involved that went into this creation has added up to one of the most self-impressive images I've ever created. 1st: Started off … Continue reading
Posted in Uncategorized Tagged airbrush, art, arts, beast, blog, boblobslaw, breakthrough, come, come fly with me, copics, doodle, draw, drawing, fly, hypnotic, illustration, impressive images, ink tool, ink work, inspiration, interpretation, lead zeplin, me, mesmerizing, new, news, painting, photo, photography, pigma, sketch, with, zeplin 25 Comments


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Knit Infinity Scarf
A treasured, heirloom piece that is carefully hand dyed with natural dyes and hand knitted with love, making each piece unique and special. Little Bohem helps sustain communities of women and their families in India.
Wool is naturally cleaned by the sun, hang out in a sunny place to replenish and restore. Spot clean only.
Wool 80 % / cotton 20% for extra softness, warmth, and durability. Circumference: 62 inches. Width: 7 inches.
See more: Scarf


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Nundle Tidy Towns finalist going to National Awards
Thursday 13 March 2014
Contact Alice Morgan
Phone 02 8626 9396
Email email@example.com
What: Keep Australia Beautiful, Australian Tidy Towns Awards 2014
When: Friday 4 April 2014
Media call time: Awards begin 6.30pm – concluding at 10.30pm
Location: McCracken Country Club, Victor Harbor, South Australia
Nundle has proven it's the New South Wales Tidy Towns Winner and now its environmental efforts have put them in the running for this year's Keep Australia Beautiful, Australian Tidy Towns awards.
Local Tamworth Regional Councillor Mayor Col Murray and consort, along with his troupe of Tidy Towns Committee will be jet setting to Victor Harbor in South Australia on 4 April 2014 in the hope to win the National title. Victor Harbor are hosting the National awards this year, as they currently hold the Australian Tidy Town title.
The Australian Tidy Towns Program recognise the hard work undertaken by individuals and groups in rural communities and share these best practices and ideas to continue to improve our important rural towns.
The national judge Dick Olesinski visited Nundle in February as part of his judging tour, to compare it against six other finalists across the country.
"The efforts of Nundle are outstanding, and our finalists this year provide excellent show cases of how towns around the nation are implementing practical projects that help local communities achieve an efficient and sustainable future," Dick Olesinski said.
2014 also marks Dick's 20th year in judging the national Tidy Towns program.
20 years in, Mr Olesinski is very much the expert when it comes to the assessment of sustainable initiatives against the national awards criteria:
- Community Action & Partnerships
- 'Dame Phyllis Frost' Litter Prevention
- Resource Recovery & Waste Management
- Environmental Innovation & Protection
- Water Conservation
- Energy Innovation
- Heritage & Culture
- Young Legends.
Outstanding initiatives in Nundle include:
- The sheer amount of volunteer hours with a conservative estimate of 23,000 hours over the past 12 months.
- Various litter reduction initiatives are in place throughout the town, in particular within the town's Primary School and CWA-run Pre-school together with a strong community commitment to regular clean up activities.
- Nundle's Go for Gold Chinese Easter Festival, a co-operative venture between a local volunteer committee, Tamworth Regional Council and sponsors which acknowledges and honours the contribution of the Chinese during the Gold Rush era.
Peter McLean, National Chief Executive Officer of Keep Australia Beautiful said "this beautiful town thrives on volunteering and partnerships with their stakeholders. The Go for Gold festival is a notable achievement for such a small town."
Nationally, the Tidy Towns program received 360 entrants, and 1300 category submissions across councils, shires, community groups, schools and individuals.
Other state and territory finalists include Mundubbera in Queensland, Sheffield in Tasmania, Wangaratta in Victoria, Walpole in Western Australia, Kingston South East in South Australia, and Titjikala in the Northern Territory.
The Australian Tidy Towns Awards are sponsored by the Do the Right Thing Program of the Australian Food and Grocery Council's Packaging Stewardship Forum. Registrations for attending the awards can be made at kab.org.au/tidy-towns/
Judge Contact: Dick Olesinski. Mob: 0413 750 681 firstname.lastname@example.com
National Media Comment: Peter McLean, National Executive Officer, Keep Australia Beautiful firstname.lastname@example.com Mob: 0416 227 158
National Media Contact: Alice Morgan, Communications Officer, Keep Australia Beautiful email@example.com Tel: 02 8626 9396
About the Australian Sustainable Communities Awards
Keep Australia Beautiful seeks to lead, challenge and inspire all Australians to strive for a sustainable and litter free environment. It does this through research, communications programs and awards programs.
Its national awards are known as the Australian Sustainable Communities Awards which consist of the Tidy Towns, Sustainable Cities, and Clean Beaches Awards. Each awards program commences with state and territory awards and culminates in a national Grand Final event.
About the Australian Tidy Towns Awards
These awards encourage, motivate and celebrate the achievements of rural and regional communities across Australia. Each year state and territory winners are announced between August and November. They then receive a visit from the Australian Tidy Towns Judge and the Australian Tidy Towns Awards are presented in April/May.
About Keep Australia Beautiful
Keep Australia Beautiful is the national peak body on litter prevention. With over four decades of experience in engaging Australians to care for their local environments, (not to be confused with the organisation Clean Up Australia Day) KAB Programs include Sustainable Cities, Tidy Towns, Clean Beaches, National Litter Index, The LITTLE Committee, Australia's Litter Action Plan, Eco-Schools, and Keep Australia Beautiful Week in August.
The KAB National website is kab.org.au where all information on the organisation can be accessed including the National Litter Index which is Australia's only independent nation-wide litter research.
About the judge – Dick Olesinski
Richard, or Dick as his friends and colleagues call him, conducts an environmental management support consultancy in South Australia for business, industry, community groups and government agencies. He also consults to the retail industry to initiate environment improvement policies, as well as to KESAB (Keep South Australia Beautiful) and Natural Resource Management boards in Adelaide.
His projects include implementing environmental initiatives for the construction industry together with coordinating business, industry and community environmental education programs.
The Australian Tidy Towns Awards are sponsored by
The Do the Right Thing Program of the Australian Food and Grocery Council's Packaging Stewardship Forum. The Packaging Stewardship Forum of the Australian Food and Grocery Council, works with partners across the nation to deliver industry recycling, litter reduction and education programs on behalf of its members, Australia's major beverage companies and their packaging suppliers. The Forum's highly successful Do the Right Thing anti-litter campaign is recognised by more than 80% of people. More than 400 towns and cities around Australia are now taking the Do the Right Thing message to their communities.


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Beautiful pure french linen cushions. Feather filled.
Approx 50cm x 50cm
Please not that we order these in as after you place an order. Sometimes our supplier has run out before they pick our order. If this happens a full refund will be given .
please allow up to 14 business days handling time.
If you live in a remote area , a request will be sent for the difference in postage.


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Users should be able to enter multi-line descriptions for their blogs. Also:
- Make URLs clickable
- Render Markdown (?) Probably not, imagine people adding images etc.
One user has requested this in the past -- especially the clickable links. Otherwise we've seen this is the way people are actually using the description field.
Was just reminded of this after seeing the Standard Notes blogging platform, called Listed: https://listed.standardnotes.org/@releases
- Change the description field to a textarea from a text input.
- Change description column to VARCHAR(255) from VARCHAR(160)


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Oldest "19th Hole" II - Golf Pubs, Inns and Taverns
12 February 2016
Most golf courses in the world are public. Only a third belong to private clubs, and this reflects the beginnings of golf when the Links were free to play and hospitality was in a local inn or tavern. There are many pubs in Scotland which call themselves a golf pub though few are as old as they look.
The most famous golf pub is, or rather was, Mrs Forman's built in 1822 by George Forman's father, who was the initial landlord. Later George himself took over and on his death in 1843, his widow Marion Forman ran it until her own death in 1888. It was during this period that it acquired its name and world wide fame in golfing circles. It is now closed and its future is currently in doubt.
That leaves a vacancy for the oldest golf pub in the world.
The Golf Tavern at Bruntsfield Links is certainly the longest serving golf club-house as there have been golf clubs using it continuously since 1852. It is a continuation of Golfhall which dates back to 1717. This means there has been a licensed pub and golf-clubhouse 'on this site' continuously since 1760. You can play golf there with clubs supplied by the pub. So it will be a bidder to be the oldest 19th hole, but there are other contenders, though they are either not as old or they do not have a continuous history to match 'Mrs Forman's' or 'The Golf Tavern'. A complete history of Golfhall and The Golf Tavern was published in 2017.
Earlsferry (Elie)
Before the Elie clubs built their clubhouse in 1877 they used the Golfers' Tavern at 5 Links Road for their hospitality. Now called the 19th Hole, the building appears on the 1853 Ordnance Survey and the name, the Golfers' Tavern, is shown on the 1893 map.
It was probably being used by the golfers shortly before or after the formation of the Elie and Earlsferry Golf Club in 1858. In the decades before this, the golfers of Earlsferry had combined with the Hercules Club who played the Dumbarnie Links. They had their own club-house, and used Mrs Ronald's Inn in Colinsburgh.
The Golf Hotel in Crail is where the Crail Golf Club first met in 1786. Although never their club-house, it was used for post-match hospitality when they played at nearby Sauchope, now a caravan park.
The Crail club went into abeyance intermittently partly because of access problems at Sauchope, which was too small in any case. They moved to the Balcomie Links, 2 miles outside Crail, in 1895 and thereafter had a club-house there to use.
The Golf Hotel building dates to circa 1721 and is still open as a hotel, bar and restaurant. It may not have been in continuous use by the golfers, but this is certainly the oldest extant building where the oldest golf related event took place. Its only other claim to golf fame is the place where the landlord lost two of the club's ballot boxes.
Early golfers at Montrose are recorded, from 1818, as frequenting the Star Hotel in New Wynd in Montrose. This was close to the first tee of the old Mid-links, which fell out of use as the land was built on and the links were pushed north. The golfers were probably still using it for dining even after they leased the Southfield House in 1866 to keep their clubs, until they built their own club-houses at the end of the century.
North Berwick
Golf at North Berwick was first played on the east links, but this area was needed for development. In 1832, they initiated their golf club with play on the west links. To begin with, they used marques on competition days and the hospitality of the Dalrymple Arms 10 Quality Street, which is now Zitto, an Italian wine bar.
The Red Lion at The Cross in Prestwick is renown as the place where the inaugural meeting took place in 1851 of the Prestwick Golf Club, who would become world famous as the initiators of the Open championship and co-sponsors of the Claret Jug, still played for today. Soon after the club built a club-house opposite. The pub itself is in need of some care and attention.
'The Old Clubhouse' on East Links Road in Gullane was originally built as a half-timbered club-house by the Gullane Golf Club and opened in April 1890. It was soon extended.
After the Gullane Golf Club moved across town in 1929 to their present club-house, the building was used for various purposes. It is now a pub, again serving golfers since the present owners took over in 1988.


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BASF Distinguished Lecture Series: Chris Macosko
This event is in the past.
Detroit, MI 48202
RSVP is closed.
Macosko is a professor in the Department of Chemical Engineering and Materials Science at the University of Minnesota. He is internationally known for his work in polymer science and engineering, particularly in the areas of rheology and polymer processing. Macosko is an author of two textbooks and more than 500 academic papers, and holds dozens of patents. He has served as director of the Industrial Partnership for Research in Interfacial and Materials Engineering (IPRIME), a university-industry consortium at the University of Minnesota, since 1999. He was awarded the Charles M. A. Stine Award (now called the Braskem Award) in Materials Engineering and Sciences from American Institute of Chemical Engineers in 1988, and the Bingham Medal from the Society of Rheology in 2004.
About the BASF Distinguished Lecture Series
The Wayne State University Department of Chemical Engineering and Materials Science is welcoming five members of the U.S. National Academy of Engineering during the 2019-20 academic year to stimulate idea-focused conversations about emerging growth areas such as such as membrane technology, chemical process and control, polymers and rheology, performance materials and connected plants, and catalysis. This partnership between Wayne State and BASF — the largest chemical producer in the world, with a footprint in more than 80 countries — is intended to create another pathway to connect students with professional leaders and to enhance interaction among industry experts.
Guangzhao Mao


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The U.S. Navy reportedly has footage and documents related to a UFO video that caused a sensation when it was leaked in 2017. But it won't reveal any of it because releasing the info and footage "would cause exceptionally grave damage to the National Security of the United States," the Navy said in response to a Freedom of Information Act request by UFO researcher Christian Lambright.
Vice independently confirmed the Navy's response to the request.
Lambright sought more information about a 2004 sighting of an object off the California coast that is often referred to as the "Tic Tac" due to its shape. The fast-moving object was tracked by U.S. military pilots in leaked footage:
The object descended from 60,000 feet to 50 feet in seconds.
"The part that drew our attention was how it wasn't behaving within the normal laws of physics," pilot Chad Underwood, who filmed the encounter, told New York magazine last month.
The Navy wrote to Lambright saying it had found "certain briefing slides that are classified TOP SECRET" related to the incident as well as "a video classified SECRET." As a result, it could not release the info.
Copies of the letter were posted on the UFOs – Documenting The Evidence blog.
Vice verified the news with the Navy.
″[A]s the investigation of UAP sightings is ongoing, we will not publicly discuss individual sighting reports/observations," Susan Gough, a Pentagon spokesperson, told the website. The military does not refer to these sightings as UFOs but rather unidentified aerial phenomena.
Gough also said the military's footage of the incident was of the same duration as the footage that was leaked, but she would not answer questions about the resolution or say if there was any additional accompany audio.
Last year, the military confirmed that the footage was indeed legit and should not have been leaked. The clip was obtained by To The Stars Academy Of Arts And Science, the private research and media firm co-founded by rocker Tom DeLonge, formerly of Blink 182.
Also on HuffPost
UFO Over Mojave Desert Sept. 9, 1985
UFO Over Holloman Base
Strange objects over France
Mexican Air Force Pilots Video
Roswell dummies
Alien in Brazil
Crop Circle in Yogyakarta, Indonesia
Stan Romanek film
Sketch of UFO sighting
France field markings
President Jimmy Carter
Astronaut Gordon Cooper
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This article originally appeared on HuffPost.


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Being overwhelmed by debt that seems insurmountable is not an easy place to be.
If you are in student loan debt and are also thinking about bankruptcy, it's important to learn about your options and not give up hope.
Getting student loan debt discharged in bankruptcy is difficult, but not impossible. In fact, student loans may be dischargeable if they cause undue hardship.
The Brunner Test
The relationship between bankruptcy and student loans is a complex one.
In trying to better understand these complexities and decide whether it's possible for your student loan debt to be discharged in bankruptcy, it's important to understand the Brunner Test.
Since Congress passed the Bankruptcy Abuse Prevention and Consumer Protection Act of 2005, it's become much more difficult to get federal or private student loans discharged in bankruptcy when compared to other types of debt.
They can, however, still be discharged if you can prove the loan causes undue hardship.
While undue hardship is a rather arbitrary term that can be defined by the courts in various ways, borrowers often need to pass the Brunner Test in their efforts to have their student loans discharged.
This legal precedent is based on a 1987 federal court decision and often serves as the benchmark for determinations of bankruptcy and student loans.
The three aspects of this test dictate that you must prove:
- You can't maintain a minimal standard of living for yourself and your dependents based on your current income and expenses.
- Your financial situation isn't likely to change during your loan's term.
- You've made good faith efforts to repay the loan.
Other Important Factors About Bankruptcy on Student Loans
In trying to prove that your student loans pass the Brunner test, and prior to seeking the legal advice of an attorney, it's also important to consider the following.
- It Could Matter Whether Your Student Loans Are Federal or Private.
Federal loans offer Income-Driven Repayment Plans (IDR). Their low (or even $0/Mo) monthly payments could make it more difficult to prove you are under undue hardship.
- Your Budget And Job Prospects May Be Determining Factors.
Large and small aspects of your budget will be scrutinized in cases of bankruptcy. Examine your budget to get a better idea of whether or not you have a good chance of being able to prove your case.
- Some Private Student Loans May Be Exempt From The Undue Hardship Requirement.
Factors such as attending a non-accredited school or borrowing more than the cost of attendance may help your case.
Trusted Lawyers Advising You on Bankruptcy and Student Loans
If you are struggling to afford your student loan debt, contact the lawyers at Parker & DuFresne. We provide compassionate guidance for those struggling to make ends meet.
We understand, and we can help you. Contact us today.


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Applying for a visa can be a complicated process. Students have to provide evidence that they meet the genuine criteria for temporarily staying in that particular country. That will require writing and submitting a statement as part of this. MEC can help through the proper visa applications.
We are up to date on the latest visas information, rules and changes being made as we are in regular touch with all visa offices and Embassy that has certainly ensured that we can achieve a high visa success rate.
Talk with experts to discover benifits of our service