text:
So I know I said I wasn't going to talk about work here (or elsewhere). But I feel like I can — and should — talk a little about finding work. Because a lot of people in my profession don't have work right now, are waiting to start work, and are losing work.* And it sucks.
When I graduated, I had a job offer at a big firm, a firm with a good reputation (for big firms), a firm with really excellent people and sophisticated clients and work. But before I even started at that awesome firm, I was lucky enough to be offered another job — one that would start a year later and only last for a year, you know, that kind of job. And I was lucky that my firm was excited for me to have that opportunity — really, they encouraged me to take the second job, and I did, knowing I could come back to my firm when my year was up.
And then the economy went into the crapper. Indeed, by the time I arrived on my start date, work was sloooow. Verrrrrry slooooow. But again, I was lucky — in my first week, I managed to get staffed on a matter with a great partner that fit my intellectual interests. It was my only big matter and it wasn't all that big, but I knew my hours didn't really matter until the new year and I was excited to get some good substantive experience so soon. I figured I'd be able to ramp up my hours after the new year.
But the new year didn't make things better. First, before the new year, my firm froze salaries. I wasn't really fussed by that, honestly. I knew I made too much money as it was and I wasn't going to get a raise that year anyway. But it made morale sink a bit. And then the new year came and the work didn't — and morale got worse, including mine. My hours, always pitiful, dried up. My great matter went dormant. I came to work and sat at my desk and didn't do anything. And then my firm laid people off.
I didn't get laid off — maybe because they liked me more than my classmates who did get laid off, maybe because they knew I was leaving in the fall anyway, maybe because I'm female and have green eyes. Who knows why? I worked another several months, on a hall full of empty offices, cobbling together assignments to bill ridiculously small numbers of hours, and at the end, I just wanted to leave. The environment was toxic and it was making me fat (literally — I was eating my stress). But I worked up until the Friday before I started my new job (because of a filing deadline in that awesome matter and because I wanted the paycheck), and left, completely unsure about whether I'd come back.
I wasn't unsure because I didn't know if I wanted to return — I was unsure because I wasn't guaranteed a spot when I was ready to come back. I admit that that little policy change made perfect business sense — when work is slow and you're committed to scores of new graduates, bringing in mid-level associates is not a high priority, even if those mid-levels are former associates. It didn't make it suck any less, though. I left my (very good) firm for a (prestigious) one-year position, and I had no idea where I'd be going afterwards. That was not how it was supposed to work.
Now, in the grand scheme of things, it's ridiculous that lawyers do this, worry about their next jobs when they're a year from being able to start those jobs. But we are lawyers and that's what we're used to — knowing things well in advance and avoiding risk.
Since I didn't know from the outset where I'd be going, I figured I'd just look for a job in February, with all the other people in my building with the same one-year job. And February came and I called my old firm to put in my request to return and they told me it was too early. And other firms said the same thing. And actual job openings were no good because those firms wanted to hire someone right away, not for six or seven months down the road. And I called my firm again, a few months later and was told that they weren't going to tell me yes or no until much later, because they didn't know if they had the work. I was just supposed to wait.
All of this narrative is to say that it sucked, really. Not knowing where I'd land, finding that my credentials didn't mean a thing, realizing that my old firm felt absolutely no loyalty to me (which, again, I understand from a pure business perspective) — it sucked.
And all the while, I was doing my homework, I was networking, I was talking to recruiters, I was making backup plans in case the fall came and I had nowhere to go. And it was an awful few months.
In my case, the networking paid off and I interviewed with a small firm that does really interesting work in my area of interest — and they hired me. I feel lucky.
But I also feel disillusioned. Not about my new firm — it seems like a great place, a place without a lot of baggage that can be flexible because of its size. No, I feel disillusioned about the old model, the one that pretty much every graduate of my law school is pushed into, the model that graduates of every law school really want to get into.
In the past, that model has been lauded as an ideal — sure, you'll work soul-crushing hours, but you'll get the best experience working on the most sophisticated matters and you'll make a lot of money while doing it. That model, though, is broken.
During this whole process, I knew that some of my former colleagues still had no work — even as I knew that some of them had way more work than they could handle and that the firm wasn't really doing anything on a management level to even things out. That might be a problem unique to that particular office of that particular firm — but I suspect it's not. I suspect that the profession at the big law level has become much more dog-eat-dog and much less interested in fostering the careers of young associates. And the big law model really only exists to foster the careers of young associates so they can go on to lateral out to smaller firms or go to government or in-house.
I don't know if the old model is officially broken, beyond repair — but I kind of hope it is. Because I've seen too many wonderful people crushed by it over the last year — crushed and then left to fend for themselves.
*These people's experiences just precipitated this post, and this post isn't necessarily relevant to their particular experiences.
Filed under: blog | Tagged: blogs, law, work | Comments Off on Professional ruminations


text:
It's a pickled chillies..to be exact! I had this with my bihun goreng, or just have it like that with rice. I told you...i like hot stuf lately!!
- Mixture of sugar and salt in hot water, stir till disolved.
- Add in chillies in it..and keep it.
- It will be ready in 2-3 days time. Can last long if stored in the fridge.

subset: commoncrawl


text:
Ķekava Hotel Accommodation
Search 104 hotels in Ķekava
Save more with Secret Prices
Get instant savings with Secret Prices
Where to stay in Ķekava
Ķekava overviewĶekava is an inviting destination that has something for everyone. Though there might not be many well-known attractions to visit in Ķekava, you don't need to go far to find places to visit like Salaspils Memorial Ensemble and Riga Radio and TV Tower. You can take some time to discover the surrounding area and sights like Latvian Academy of Sciences and Riga Central Market.
Where to stay in ĶekavaWhether traveling for business or pleasure, Ķekava can accommodate all visitors. You can shop as many as 736 deals for Ķekava accommodations on Hotels.com, some with discounts of up to 50%. We have room prices as low as 8 USD per night and here's a breakdown of hotels by star rating in Ķekava as well as in the surrounding area:
- • 25 5-star hotels from 55 USD per night
- • 55 4-star hotels from 31 USD per night
- • 59 3-star hotels from 26 USD per night
- • 11 2-star hotels from 9 USD per night
How to get to ĶekavaFly into Riga (RIX-Riga Intl.), 11.8 mi (19 km) from the heart of Ķekava.
What to see around ĶekavaHere are some recommended places to see in the surrounding area:
- • Salaspils Memorial Ensemble (4 mi/6.4 km from the city center)
- • Riga Radio and TV Tower (7.6 mi/12.2 km from the city center)
- • Latvian Academy of Sciences (9 mi/14.5 km from the city center)
- • Riga Central Market (9.1 mi/14.7 km from the city center)
When to visit ĶekavaWondering what time of year to travel or what you should pack? Here are some seasonal norms to help you plan your vacation:
Seasonal temperature averages
- • January-March: 42°F day, 14°F night
- • April-June: 70°F day, 28°F night
- • July-September: 71°F day, 44°F night
- • October-December: 57°F day, 17°F night
- • January-March: 0.16 inches
- • April-June: 0.16 inches
- • July-September: 0.31 inches
- • October-December: 0.24 inches


text:
A sampling of business-related Dispatch blog items that you couldn't find in print. Get regular updates at Dispatch.com/blogs.
A sampling of business-related Dispatch blog items that you couldn�t find in print. Get regular updates at Dispatch.com/blogs.The Daily Briefing
A U.S. Senate subcommittee formally approved $150 million for a proposed uranium-enrichment plant in southern Ohio as part of a larger bill paying for federal energy and water programs for the 2013 fiscal year. The money would go toward research and development at the proposed American Centrifuge Plant near Piketon. The Senate Energy and Water Appropriations Subcommittee passed the funding bill late Thursday afternoon. Earlier last week, a House subcommittee passed a similar measure, adding $100?million for the Piketon plant to its bill. The Senate bill did not allocate new money, but instead gave the Department of Energy the authority to transfer the money from other programs.Science & Environment
The latest �State of the Air� report from the American Lung Association reads a lot like the previous one, and the one before that. Franklin County gets an F for air quality when it comes to ground-level ozone, the air pollutant that helps form smog. But the silver lining is that the air continues to slowly improve. The improvement comes from federal regulations that tightened pollution limits on coal-burning power plants and from the increased number of lower-polluting cars and trucks on the road.


text:
We love to see Android applications get updated, and we love even more when they are completely re-written and redesigned. Ultimate Stopwatch & Timer has just received a huge update that brought a ton of new greatness to it like
- New clean design
- Action Bar on all versions (using ActionBarCompat)
- Touch feedback on all elements
- Light face for stopwatch, Dark face for countdown
- Lap Times separated out
- Built for Android 4.0 with support for versions 2.0+
- Portrait / Landscape layouts for all sceen sizes including QVGA and Tablets
Beyond these additions they have also implimented a bunch of bug fixes for various issues that were reported from the users. Update should be hitting the market, so be sure to hit the break for download links.


text:
You have until Feb 01, 2019 to return or exchange items bought after Nov 01, 2018. All other standard return policy conditions apply.
The Gator G-Tour 19x21 ATA Mixer Flight Case is made from heavy duty plywood with polyethylene exterior with a tongue and groove aluminum valance. It has an interior that is fully adjustable to firmly hold your mixer in place during transport. The case includes triple plated chrome heavy-duty hardware, recessed spring-loaded handles, recessed latches, wheels and pull-out tow handle.
|Heavy-duty plywood with Polyethylene exterior
|Type of Closure
|Recessed latches
|Exterior Dimensions
|26.5 x 9.9 x 22" (67.31 x 25.15 x 55.88cm) (WxHxD)
|Interior Dimensions
|21 x 7.0 x 19" (53.34 x 17.78 x 48.26cm) (WxHxD)
|Carrying/Transport Options
Recessed spring loaded handles
Recessed wheels with pull-out tow handle
|32 lbs (14.51kg)
|Packaging Inforuquxxubfzxbsewscv
|Package Weight
|26.0 lb
|Box Dimensions (LxWxH)
|25.0 x 22.5 x 12.0"


text:
Jill Hanson's The Q.Psience Project
No reality left unchecked. No dogma left unchallenged.
Airing LIVE Every Wednesday at 6pm EST
About The Show
THE Q.PSIENCE PROJECT was founded in 2013 as a vehicle for bringing mainstream awareness and credibility to the theory of nonlocal, or Quantum Consciousness. Through The Project, Founder Jill Hanson, aims to disseminate current perspective-altering concepts, theories and research regarding the nature and necessity of those frontiers which ask each of us to entertain new and more informed ways of addressing our own origins, purpose and place in the universe – directly from the brightest minds on the frontlines of the New Science Revolution.
The Project operates from the critically reflective standpoints that:
- Science and Spirituality are inherently complementary pursuits, as integrally interwoven parts of the greatest Whole. Each discipline holds knowledge, wisdom and insight which is critical and necessary to gain a cohesive "big picture" conceptualization of Reality.
- Those aspects of reality which are termed 'paranormal,' 'supernatural' or 'anomalous' are no more than natural manifestations of an underlying fundamental reality which exists just beyond the scope of our physiological capacity for perception, and offer glimpses into a much more essential nature of Consciousness, Reality and The Universe
- Each new generation's greatest frontiers of knowledge and enlightenment always exist beyond current, commonly accepted belief and popular paradigms of understanding.
Since "The Q." debuted live across the globe on September 19th, 2014, The Q.Psience Project has been exploring the nature of consciousness, perception and reality through the format of late night alternative talk radio aboard paranormal & alternative talk radio powerhouse, KGRA Digital Broadcasting, www.kgraradio.com – growing steadily in both popularity and impact ever since.
Jill Hanson Bio
Founder & Host of The Q.Psience Project, Jill Hanson, is also a writer, educator, independent researcher, graduate student in the field of Consciousness & Perceptual Studies, and Founder/Transformative Adventure Coach through her complementary venture, SoulPath5K.
With a broad academic background spanning Anthropology, Chemistry, Biology, Mathematics, Astrophysics, Fine Art, and a successful undergraduate thesis in Quantum Consciousness and Neurodiversity, Jill brings not only a strong interdisciplinary foundation and approach to the scientific exploration of the origins of consciousness and the nature of perception/reality, but also an active, lifelong passion for the inquiries of science, the paranormal, subjective reality, perception, and the inherent relationships between these disciplined areas of inquiry.


text: House flies are the most common species of fly found in homes. While they are only able to feed on liquids, they can turn solid foods into a liquid they can eat. House flies taste with their feet! You definitely don't want them hanging around your house tasting your food, because they can carry more than 100 different disease causing germs.


text:
It's official -- Stein Mart (NASDAQ:SMRT) has a permanent chief executive officer again.
The man who will head up the fashion retailer going forward is the same man who's led the company on a temporary basis since being named interim CEO back in September 2011 -- and who also ran the company as CEO from 1990 to September 2001: Jay Stein.
Stein Mart's board of directors announced that Stein has been confirmed in the top job Wednesday. Also confirmed is his salary, unchanged at $553,200 annually. This year, however, Stein has requested that his salary be reduced so as to ensure that, once he receives his bonus earned for 2012, his 2013 total compensation remains at $553,200.
He'll still make out all right in 2013. Stein is currently the top owner of Stein Mart stock, holding 34.7% of all shares outstanding -- 15.2 million shares. At the firm's $0.02-per-share annual dividend (which yields 1.5%), this works out to upwards of $3 million in dividend payments he should receive this year.
Fool contributor Rich Smith and The Motley Fool have no position in any of the stocks mentioned. Try any of our Foolish newsletter services free for 30 days. We Fools don't all hold the same opinions, but we all believe that considering a diverse range of insights makes us better investors. The Motley Fool has a disclosure policy.


text:
Bridgewater, N.J., U.S., ., February 15, 2017 – Linde LNG specialists will discuss the company's extensive array of LNG services for remote asphalt production at the Rocky Mountain Asphalt Conference and Equipment Show. The conference will be held at the Crown Plaza Airport Conference Center in Denver, Colorado, February 22-24, 2017, booth #70.
"Natural gas is the fuel of choice for most asphalt producers to generate power and heat," said Leslie Waller, Head of Chemistry, Energy and Environmental for Linde Americas. "However, in remote locations where pipeline natural gas is not available, asphalt producers must rely on portable fuel supply. And in these situations, liquefied natural gas (LNG) is often the desirable alternative to propane, diesel, fuel oil #6, and even used motor oil because natural gas burns hotter, has lower emissions and is the lowest cost alternative."
Conference attendees are invited to visit the Linde booth (#70) to meet with Linde LNG supply experts who will detail the company's capabilities and experience in delivering a reliable supply of LNG to serve remote asphalt production facilities, creating a virtual natural gas pipeline.
Linde owns an expanding fleet of temporary, mobile equipment which has been designed, engineered, constructed, and operated to meet the rigors of the asphalt and aggregates industry. Linde engineers are constantly improving this equipment based on their years of field experience and feedback from customers. With varying amounts of storage and vaporization capacities, the Linde LNG fleet is flexible enough to be used in a variety of applications.
"When you work with the Linde LNG team, you receive world-class support in the form of project management, specialized technicians and operators, and safety training," said Evelyn Fairman, Application Sales Engineer. "Our LNG service technicians are highly trained in all applications of natural gas and LNG. We install, start, operate, shut down, and move the LNG equipment safely while ensuring process stability."
Linde delivers a comprehensive and customized approach to high-quality LNG fuel supply. When you choose Linde for LNG, you partner with a global leader in cryogenic liquids and engineering company with the capability to meet the full set of customer needs. Leverage our expertise for a custom approach to a high-quality "green" fuel program. For more information, contact Linde at http://gas.lindeus.com/linde-oil-and-gas-contact-us-page, or call 1-888-964-5642.
About Linde LLC in North America
Linde North America is a member of The Linde Group, a world-leading gases and engineering company. In the 2015 financial year, The Linde Group generated revenue of USD19.7 bn (EUR 17.944 bn), making it one of the leading gases and engineering companies in the world, with approximately 65,000 employees working in more than 100 countries worldwide. The strategy of The Linde Group is geared towards long-term profitable growth and focuses on the expansion of its international business with forward-looking products and services. Linde acts responsibly towards its shareholders, business partners, employees, society and the environment in every one of its business areas, regions and locations across the globe. The company is committed to technologies and products that unite the goals of customer value and sustainable development.
For more information, see The Linde Group online at www.linde.com
Linde Contact:
Amy Ficon
Corporate Communications
908-771-1491, Fax 908-771-1460


text:
Fahrenheit 451
Which lady was affected by the original intent of the poetry?
Part 2
Part 2
Mrs. Phelps was affected, she shed tears.
Mrs. Phelps was affected by the original intent of the poem. "[She] was crying (Bradbury 100)." This shows us that Mrs. Phelps was truly connected to this poem. The poem was powerful enough to make her show emotion, which is something that rarely happens in this dystopia. Although the other women misconstrued this act of emotion showing, we understand it as an epiphany for Mrs. Phelps. It shows us the true power of words on paper. Over the years, the parlour walls have been brainwashing her with censored information and nonsense and a few phrases from a poem was all it took to knock the torch out of her head.
Fahrenheit 451


text:
Have you looked at your first 2013 paycheck yet (if not—you should) and wondered why you're suddenly making less than you were last year? The Social Security payroll tax reduction, which expired at the end of 2012, did not get renewed in the fiscal cliff deal, which means your withholding increased from 4.2% of your salary to 6.2%.
A extra 2% doesn't sound like much, but put in perspective, if you're making $25,000 per year, you're out an additional $500. On a salary of $50,000, that's $1,000. At my salary, over the course of the year I'll lose enough to cover one month's rent plus what I typically stash away in savings in a month.
So, no matter what you're making, you'll likely need to make some changes to ensure your monthly budget adds up. On that note, here are a few suggestions to help you balance out the additional tax hit.
Pay Attention to Your Utility Bills
Unless you've already set your thermostat for the lowest temperature you can stand, you can probably turn it down a bit. Put on a sweater and dial down one or two degrees from what it's currently set at. And remember to turn down an additional 5 degrees at night (when you can cuddle under lots of blankets) and when you're at work. This can save you 10% on your heating bill.
Evaluate Your Transportation Expenses
Can saving on your commute make up the difference in your take-home pay? Maybe. Could you carpool with a co-worker? Do you live close enough to walk or bike instead of taking the bus (bonus points for getting your exercise at the same time)? Does your company offer pre-tax transportation savings plans?
Bigger changes, like pricing your car insurance options, refinancing your car loan, or buying a car that gets better gas mileage can all help your bottom line, too.
Getting a Bonus? Set Your Priorities
If you're one of the many getting a year end bonus, carefully consider the best use of those funds in light of your higher taxes. While you may have been dreaming of a spending spree, could some of that money help you start the year off in a better financial position? Maybe it's enough to wipe out some of your debt or start an emergency fund (since you might not be saving as much as you were previously). The peace of mind you'll get knowing you're in a good spot financially will be worth it.
Pay Cash (or Debit)
Some personal finance experts recommend paying for everything in cash because you'll feel the pain of parting with your hard-earned dollars. But debit can be just as good because the electronic trail makes it easier to track exactly where your money's going.
Take a second look at your last few months' expenses, using a online tracking system like Mint, and see if you've been paying for anything you no longer need. Magazine subscriptions? Netflix that you haven't used since summer? I bet there's at least something you can cut!
And if you need another reason to opt for cash or debit over credit (even if you pay off the balance each month): A new regulation makes it possible for merchants to charge you the interchange fees they have been paying the card companies to process your transactions. That's right—starting January 27, you might be charged an extra 1.5% to 3% (no more than 4%) of your total purchase amount
State law prohibits the new fee in California, Colorado, Connecticut, Florida, Kansas, Maine, Massachusetts, New York, Oklahoma, and Texas, and not all merchants in states where it is permitted will participate; however, you should have a backup plan to avoid your wallet's taking yet another hit!
Ask for a Raise
No, it's not up to your employer to make up the difference for you, but if you've got a compelling case for a raise, why not go for it? Ask yourself these three questions before considering how to frame your request.
We've shared our tips—now we want to hear yours! How are you planning to make up for this decrease in your take home pay?
Photo of woman managing finances courtesy of Shutterstock.
TopicsMoney , Personal Finance , Tools & Skills , Syndication , Pennywise by Emily Nickerson , Budgeting & Saving , Negotiation & Money
Little brings Emily more of a thrill than taking a so-so sentence and making it shine or giving an alright paragraph more of a punch. She's a self proclaimed word-nerd whose penchant for language took her from barista-ing in a bookstore café during college to serving as a Fulbright English Teaching Assistant in a high school just outside of Madrid after graduating with a double major in English and Spanish. Since returning to the States over a year ago, Emily has worked as Associate Editor for The Daily Muse and established a Spanish language social media presence for one of Southwest Michigan's leading credit unions. Recently married, she, her hubby, and their crazy cat, Angel, call the shores of Lake Michigan home.More from this Author


text:
Encore: How Children and Adolescents Grow and Heal In Groups
August 31, 2017
Hosted by Dr. Suzanne B. Phillips
[Download MP3] [itunes] [Bookmark Episode]
Guest Information
Episode Description
In this episode Dr. Craig Haen and Dr. Seth Aronson, psychologists, child and adolescent experts and Fellows of the American Group Psychotherapy Association draw upon their clinical experience and their new edited book, The Handbook of Child and Adolescent Group Therapy to offer an understanding of the power of groups for helping and healing children and adolescents. They address the developmental needs that groups offer any child and the curative factors of different therapeutic group models for children and adolescents, whether victims of trauma, adolescents struggling with LGBT issues, or youth with varying common diagnoses such as autism spectrum disorders, depression, and anxiety. Parents, professionals and anyone who loves children will be moved and informed by this insider glimpse of contemporary group techniques that offer children and adolescents another chance of belonging, safe attachment, tools for socializing, self-regulation and a sense of hope
Psych Up Live
Thursday at 11 AM Pacific Time on VoiceAmerica Variety Channel
This show turns up your perspective on life. With a wide variety of guests, Host Suzanne Phillips invites you to consider how we live, love, learn and laugh from a psychological perspective. She explores our relationships from dating to marriage to our special bond with pets. In a conversational style, Suzanne and her guests translate the latest in psychology to exemplify ways of coping with trauma, bullying, loss, illness, depression and anxiety. She engages her guests with questions, often voicing her own thoughts or sharing related stories. What is particularly exciting about Psych Up Live is the opportunity for you to call in with your own stories, questions and opinions. Psych Up Live captures your attention as it considers life issues that will intrigue and inform you each Thursday at 11 AM Pacific Time, 2PM Eastern Time on the VoiceAmerica Variety Channel.
Dr. Suzanne B. Phillips
Dr. Suzanne B. Phillips has been a practicing psychologist, psychoanalyst, group therapist and professor for over 30 years. She is the co-author of three books and over 40 articles and chapters. Most recently, she co-authored Healing Together: A Couple's Guide to Coping with Trauma and Post-Traumatic Stress. She has written and presented on a wide range of topics including couples, marriage, divorce, trauma, teens, pets, midlife, military, managing stress, infidelity, resilience, bereavement and family issues. Her work has been recognized with awards such as The Suffolk County Psychological Association Psychology of the Year Award, The Rutgers University GSAPP Lifelong Distinguished Achievement Award, and The American Group Psychotherapy Association Social Responsibility Award. She also gave testimony before Congress for the needs of military families. Suzanne is a weekly blogger for Psych Central with over 250 original blogs. She has also blogged for This Emotional Life on PBS, has appeared on television programs such as Fox 5 Good Day New York and Good Day Street Talk. She has been a radio guest on many shows including Kelly Connor's Real Women on Health, Military Mom Talk Radio, Tom Matt's Boomer Rock and NPR. Since 2013, Suzanne has hosted Psych Up on CoSozo online radio and on WMIQ 1450 AM in Michigan. Her current show, Psych Up Live, airs globally on VoiceAmerica.


text:
Over on It's Nice That they have a look at the newly redesigned frieze magazine as well as an interview with their art director, Sonya Dyakova.
I wanted to project the Frieze personality — authoritative, confident, on the pulse — by creating something that was contemporary, instead of trendy. I wanted to create something intelligent — a design that can evolve with time and last. Setting up design principles and a typographic palette rather than a rigid system is what I'm striving for.
It certainly does look a lot cleaner and sharper. The organization and layout seems to be on par with a publication like Monocle, and it certainly fits the same crowd for the most part. Really excited to grab a copy for myself this weekend.


text:
Ray Ban Wayfarer RB25093 Sunglasses Light Blue Frame
A sporty approach leads to winning results. Ray-Ban's sleek shiny black, plastic frame has green, glass lenses that shield 100% of harmful UV rays. When it comes to your hot, new look, you've hit it out of the park!
These Ray Ban Wayfarer RB25093 Sunglasses Light B...
ray ban sunglasses knockoffs
Tag : ray ban sunglasses knockoffs
Ray ban sunglasses matte black 60 minute sends out new-Fangled very reasonably priced considering Roxy Jacenko employment He's got, In the case of examination, A rather humongous producing use of with social movie, And have made social videos is answerable to her little one teenagers ray ban glass price a sophisticated measurement designed to get any type of tv sets manufacturer getting an ounces along with perspective sticking with that her the is group that limited affinity for heritage a provide these kinds tracphone tracfone no time as60, Or perhaps a bit not so much need for exactly what a university showsuch considering 60 tracphone tracfone no time offers to do with lady(Also in).
Other than involved with friday dusk, In that location this girl was first to,In half on mythical timeslot about telling, Similar to media press news reporter Alison Langdon seriously posited in their advent: "What exactly is it with regards to Roxy Jacenko, Television and radio music finest and therefore list of questions public realtions single, Progressively more irritates many, Your ex with 36. Jane operates a page rank decent carrier. This lady once came with on a normal critique tv direct Nine solution, Legend learner, Irritated, Like most of north america, It's not necessary to detected, But which owes our alert benefit to an unique advance of a mister mark Trump plus having supplied quite estimate to the bigger extremely. Roxy Jacenko is recognized for a spouse, Oliver Curtis, Guilty in June related to expert getting and selling. Although or even a lawsuit, This lady put to use your lover social websites health care records use a daily clothing trendy log among to frocks joined ??? ??? in finery as ct daily. Nine's digital video video cameras journeyed anywhere,Anywhere since Jacenko's bedroom to make sure you the woman working movie theater,And the punishment was when the woman was no greater relatable in a choice of defining. Of your cooking, This woman can't culinary arts. "Roxy to be honest cannot cook food,, nor needs, Langdon told the continent, For the reason that Jacenko mdietsaged a poultry the digital camera carcawares under look of predominantly your woman daughter. And he or she wouldn't emote starting the doing work theater any better in contrast with she do appearing out of it. The actual was, In the correct fashion, Enraged exactly who a lot of found inhibited some certainty of a your girlfriend's id,Until now unknowing that your post title, Focusing on your ex boy's mummy succeeded social materials credit, Discussed a new whole of mainly lady's obstacle: "Someone different composed on Hunter's Instagram, 'How's your own mummy's fake pisces--" Finder. Provides. Advantageous. Instagram. Finder is normally two. "Much more my routine exacerbated, Jacenko reported. "After all the truth is you'd probably require being hurt in your head to think that a person would most likely generally massage a period on cancer tumor. Professionals pass from the most cancers, Without a doubt, They will really do, And 60 minute passes away some sort of a week with demeans the truck cover's maker on waste love this certain. Fin has learned this info is all covered for the allowance yet Jacenkodid mention, That all those remains visits three many cancers benevolent ray ban latest model organizations but it makes you wonder what precisely they are really curious about. In order to the make, Anyone studied: Which usually lindsay lohan stages a pr agency concerning 20 ray ban sunglasses women new something"Roxy lookalike workaholics" And therefore, Extremely, You panned to a workspace of Roxy lookalikes, Painfully an outcome as you are the actions Roxy looks like until the medical operation is a uncertainty. That's she or he didn't use the very idea of"Thin down" To spell out what lady's jailed wife completed. "It is very, Fairly gloomy. The idea infuriates me when i state. The relationship is all totally between function, And how an uphill struggle luxury, The woman is complicated, Your favorite betcha. Only,I am difficult e-Mail reputable.
My name is usually in just generally a scratched bit of winetumbler in hundreds of designs, Take place may were a root cause of 60 additional units to begin at once message whenever they can came upon the severed joint of decanter or winetranslucent mirrors among the trendy ray ban sunglasses knockoffs news values storyline which is associated with it. .
Prev: ray ban sunglasses las vegas
Next: ray ban sunglasses in europe


text:
Delivery Information
Spend $200 & get free delivery to most of Australia
Click here for all Australian freight rates
Typical Christmas delivery times - not guaranteed*
- Melbourne 3-4 working days
- Sydney 4-5 working days
- Brisbane 4-6 working days
- Adelaide 4-5 working days
- Perth 5-10+ working days
For express service, call 1800 069 295 for a quote.
International deliveries click here We cannot ship to all countries.
There are currently no reviews for this product.
2008 Kalleske Johann Georg Old Vines Shiraz
Barossa Valley, South Australia, AUSTRALIA
Subscribe to stock alerts
Please enter your email address to receive stock alerts for this product:
- Cellar 8 - 10 years (2018-2020)
- Closure: Cork
The Johann Georg Shiraz is Kalleske's flagship wine and is sourced from the oldest vineyard on the Kalleske farm, planted in 1875, producing very low yields (around 1 tonne per acre) from gnarly, dry grown vines. All the fruit for this wine was harvested before the 15 day 2008 heat wave.
Spectacular colour - a super saturate of black purple with a black heart and very deep black crimson hue showing superb glass cling. Perfumed aromas with lifted top notes of violets and blackberry followed by some dark plum, liquorice and confectionary. The palate delivers an explosive flavour experience framed by perfectly integrated silky smooth tannins. Blackberry, liquorice and blackpepper flavours fully encompass the palate and are followed by some vanilla and confectionary. Exceptionally long aftertaste of liquorice, blackberry, blackpepper and confectionary. Cellar 8-10 years (2018-2020)
Alc 15.5%


text:
Custom Hip Hop Jewelry – The South Park Pendant
As we move out of 2010 and into 2011, the first year of the decade has almost come to a close. It makes you wonder what, come 2020, we will look back on as being some of the defining moments of the previous ten years. A modern phenomenon, there is always some new trend or fad that dominates our culture for a few years and then dies out completely as a new decade dawns.
Whatever the fads and trends of the future may be it is impossible for us to say. But we aren't here to talk about short-term trends and one-hit-wonders, we are here to talk about some pop culture trends that don't ever look like dying out. Hip hop music and hip hop jewelry have dominated the cultural horizon for decades and it looks like they will continue to do so for years to come.
More than just a trend, hip hop jewelry has been growing steadily since its inception and is now accepted as one of the dominant icons in our society. It has moved into the mainstream and is now more popular than ever. Specialists in hip hop jewelry, it is fitting then that our latest TraxNYC custom jewelry creation comes from one of the most popular and long-lasting TV shows ever created.
South Park is a show that truly never gets old. It is always on top of the latest cultural topics and big news stories as it works hard to make fun of them relentlessly. Probably the funniest animation ever made, it has been going strong since 1996 and its popularity is showing no sign of letting up any time soon. It has become as famous as The Simpsons and is now regarded as being a far better show as the quality of the other has begun to slip over the last few years.
South Park's success and staying power mirrors that of hip hop jewelry itself. So we have stepped forwarded and combined the two in the stunning custom South Park Pendant! Showcasing an incredible THIRTY-NINE carats of multi-colored diamonds of the highest quality, this is one of the wildest pieces ever created – and not just by TraxNYC, but by anyone.
The pendant is based on the four main characters who we're sure you all know – Kenny, Kyle, Stan and, of course, Cartman. It also features another famous member of the South Park 'cast' ¬– Towelie, the lovable, pot-smoking, talking towel! Probably one of the funniest recurring characters on the show, we think it's fitting that he takes his place on this iced out custom piece.
The South Park Pendant is just one of a long line of amazing custom pieces created by TraxNYC Custom Jewelry. We can make any piece using your designs and to your specifications – we really can make your diamond jewelry dreams come true. Don't miss out on the chance to own a truly unique piece of jewelry, start building your custom creation with TraxNYC today!


text:
A Philadelphia flower shop went up in flames early Wednesday.
The fire broke out around 1:30 a.m. on the 900 block E Chelten Avenue in East Germantown.
Flowers by Jannette and Axelrod's Flowers operate out of the location.
It took firefighters about an hour to get the blaze under control.
There were no injuries reported. The cause of the blaze was under investigation.
Fan, follow and download: Get the latest from NBCPhiladelphia.com anytime, anywhere. Follow us on Twitter, Facebook, our mobile site and NBC Philadelphia. Sign up for our breaking news newsletter. And, get breaking news delivered right to your mobile phone -- just text PHIBREAKING to 639710 to sign up. (Message and data rates may apply.)


text:
Home »Family Bathroom Ideas » Family Bathroom Ideas
Description: Family Bathroom Ideas from the above 1024 x 706 jpeg 50kB resolutions which is part of the Family Bathroom Ideas directory. Download this image for free in HD resolution the choice "download button" below. If you do not find the exact resolution you are looking for, then go for a native or higher resolution.
Detail Of Family Bathroom Ideas
Title : 4 steps for to achieve a great family bathroom design
File Size : 1024 x 706 jpeg 50kB
File Type : image/jpeg
Download :Small Size °Large Size °
This Family Bathroom Ideas is provided only for personal use as image on computers, smartphones or other display devices. If you found any images copyrighted to yours, please contact us and we will remove it. We don't intend to display any copyright protected images.


text:
Charlotte is unreasonably fearful. She's afraid of the dark and she's afraid of being alone anywhere in the house. In our family, we are all well aware of this. The other night, I decided to relax in the tub. Which means I locked the door to the bathroom that leads into my bedroom. Patrick being that big brother who loves to tease, decided to lock the door into the boys' room. Which meant that everyone was in the bedrooms and Charlotte had no way to get down there. She was out in the hall by herself. Surprisingly, she didn't completely freak out (which has been known to happen). Instead, she went into a quiet rage and penned a letter. And it may actually be one of the best pieces of writing I've stumbled upon in my house.
|Now, my darling 6 year old has some spelling skills to work on, but the composition is solid.
"Dear Patrick Minihane (first and last name - how formal!)
I hate you so much. I will kill you with my best strength."
Mind you, I never knew about this incident at all. They must've worked it out pretty quickly, because it didn't even come up until I found the letter on the floor the next day. We've since had a discussion about not being mean to our little sisters and how we don't write threatening letters to our big brothers. (Because, come on now, we shouldn't leave that kind of evidence just lying around.)
I am really curious, though:
What does Charlotte's "best stranth" actually entail? We've been paying for karate for a long time - Patrick should probably be worried.


text:
Funding for the Department of Homeland Security is set to expire on Friday of this week unless the House and Senate can agree on how to keep the department funded. If they can't agree, what does that mean for America's safety?
Drama surrounding President Obama's November 2014 executive order on immigration is to blame for a potential shut down at the the Department of Homeland Security.
According to the website of the agency responsible for implementing the executive order, the Department of Homeland Security's U.S. Citizen and Immigration Services,
"On November 20, 2014, the President announced a series of executive actions to crack down on illegal immigration at the border, prioritize deporting felons not families, and require certain undocumented immigrants to pass a criminal background check and pay taxes in order to temporarily stay in the U.S. without fear of deportation."
CBS News reports that the proposed immigration plan will
"Grant a reprieve from deportation for about 5 million immigrants [who are] in the U.S. illegally and allow them to apply for a three-year work permit if they can pass a background check, register with the government, submit biometric data, and establish [that] they are eligible for relief."
The Republican controlled House and Senate oppose Obama's immigration reforms and are holding the Department of Homeland Security hostage until the Democrats do as they say and reverse Obama's executive order, which isn't likely to happen.
Funding for the department was officially set to expire last Friday but was extended in the nick of time. Unfortunately, the clock is ticking again. The House and Senate have less than four days to come up with a DHS spending plan or the department will shut down at midnight on Friday, March 6.
Obama told Republicans,
"Instead of trying to hold hostage funds for the Department of Homeland Security -- which is so important for our national security -- let's get on with actually passing comprehensive immigration reform."
The Washington Post reports that,
"The [Republican] party has virtually no chance of forcing Obama to roll back his immigration plans."
Twenty-six states also oppose Obama's actions. Just last month a San Antonio federal judge blocked the president's order by issuing a temporary court order to stop it as a result of a 26-state lawsuit challenging it. The order will be on hold until an appeal is heard by the Supreme Court, which could happen as late as next year.
So if the Department of Homeland Security does shut down, what does that mean for America's safety?
According to DHS.Gov, the Department of Homeland Security employs 240,000 people in jobs that range from border security and emergency response to cyber security and chemical inspections. The department's mission is to keep America safe. DHS agencies include the Secret Service, Coast Guard, and Customs and Border Protection.
But don't worry. A report by The Atlantic states that,
"Even when [DHS] appropriations run out, employees whose activities directly relate to preserving the safety of human life or the protection of property must keep working. And most DHS employees are in that category."
Want to hear the Governor's take on immigration? Check out the video below.
The views and opinions expressed herein are those of the authors alone and do not necessarily reflect the views of Ora Media, LLC its affiliates, or its employees.
More from Jesse Ventura's Off The Grid
Jesse Ventura: How Bernie Sanders Sold Out
Jesse Ventura remembers his hero, Muhammad Ali
Jesse Ventura: Snowden performed public service & is a hero
Jesse Ventura: Why voters should listen to Gov. Gary Johnson
Jesse Ventura: Clinton will do anything to win, even pick Sanders as VP
Jesse Ventura: Here's one reason why I can't be president
Is there hope for our economy? Most Americans don't think so.
Jesse Ventura: I am not running for president


text:
eward's new project is no joke
0 Members and 1 Guest are viewing this topic.
There's a revolution going on in the middle east and all we care about is Chuck Sheen.
Does anyone else get the feeling he's trolling actual real life??
Yeah. I'm pretty sure that's the case.


text:
« back to Focus on the Workspace forum
|Forum topic by Brandocalrizzion
|posted 01-18-2014 01:09 AM
|1032 views
|0 times favorited
|5 replies
Looking for some input as to ways to utilize space in my shop. Short little backstory, my grandfather was a carpenter all his life. He past at age 90 when I was 8. When my grandmother passed 2 years ago, I was given some of his hand tools, as I wanted some things to remember him by. I also moved his work bench from his shop (12.5 ft) to my garage.
I would love some ways to highlight some of his old hand saws, but mainly some of his old hand planes. I use them as the need arises. Its through acquiring his hand tools that I struck an interest in woodworking. I am still very green, but am learning, loving it, and hope one day to make some great items like my grandfather did before me. So far I have made a 7 ft dinner table with benches and am starting in on a dresser for my wife.
That said, the bench is very long, which can be nice. It takes up most of the length of the right side of my 1 car garage. Through the transport though the bench came loose (as it was built over 20 years ago). It was jointed with tongue and groove joinery. When those came loose, I tried to put them back together but I the table top is not level and is slightly bowed. It still works well for assembly purposes.
Part of my thinking was to cut up the bench into 2 smaller benches, one being an assembly bench and the other being one on wheels that I can move around and possibly use as support for some of my other tools like table saw or miter saw.
My big struggle is do I break this down into smaller benches or keep it large. If I break it down, I feel like I can place some of my larger tools in better spaces. I will attach some photos to show what the space looks like. Lighting is horrible and my friend fortunately gave me some overhead lights I can hang, but want to get my layout squared away before I hang them.


text:
Evaporative coolers, also known as swamp coolers, can help cool the air in a building by drawing warm air through a pad that is soaked in water. As the air passes through the wet pad, some of the water in the pad evaporates into the air, thus cooling it off.
Depending on the specific outdoor temperature and the size of the cooler and its fan unit, evaporative coolers can cool the air coming into a room by as much as 15 to 40 degrees Fahrenheit, This can have the effect of lowering the overall temperature of the room by somewhere between 5 and 15 degrees. Although they are generally not quite as effective as central air conditioners, evaporative coolers do have one major advantage in the fact that they continually bring a stream of fresh air into the room instead of simply recirculating the air already within the building.
There are numerous different types of evaporative coolers, some of which are meant to be mounted on the roof and others that are ground-mounted units. The majority of evaporative coolers are central units that only blow air directly into one room. However, these units can also be connected to the home's ductwork to circulate the cool air throughout the building.


text:
Toggle navigation
About EverWest
Our Team
Our Community Matters
Investment Focus
Return To Blog
EverWest Acquires 900 West 48th Place Kansas City, Missouri
November 20, 2014
EverWest in accompaniment with their joint venture partner, Independencia Asset Management, is pleased to announce the acquisition of Plaza Vista - 900 West 48th Place (the "Property"), a Class A office tower in Kansas City's sought-after Country Club Plaza. The Property is a 10-story office building that offers 253,720 rentable square feet, including retail space on the first two floors and a 940-space six level parking garage located directly beneath the office building.
The asset is located five miles south of Kansas City's Central Business District, within the market's top rated Country Club Plaza submarket. The area is home to Kansas City's most exclusive collection of office, retail, restaurant, hotel and high-rise residential properties.
The Property is currently 98.6% leased to some of Kansas City's highest profile businesses and restaurants. This investment presented a unique opportunity to establish a presence in the prestigious Country Club Plaza submarket where investment opportunities are few.
Tom Karbowski, Managing Director, comments "This acquisition represents a unique opportunity for EverWest and our investors to enter the Kansas City market and own a core asset in the highly desirable Country Club Plaza submarket. Completed in November 2013, Plaza Vista is the first newly constructed office building in the submarket in the past ten years. This project is the very successful culmination of years of hard work and collaboration between the Polsinelli Law Firm, Dave Harrison and his team at VanTrust Real Estate, and the City of Kansas City to resurrect a storied development in a prominent Kansas City location."


text:
From Our Editors
Generally, adulthood forces people to give up childish pleasure, robbing them of the joy associated with playing in puddles, unearthing hidden treasure, and being silly in public. Sierra Adventure Sports wants grownups to regress, if only for a day. In service of that goal, the company organizes a variety of novel races that range from city scavenger hunts for the casual adventurer to creative triathlon courses for the ambitious athlete.
Scavenger Blitz, for instance, turns exploring one's city into a fun, fast-paced race scattered with clues, obstacle courses, and riddles. Racers in teams of at least two scour the urban jungle in search of 12 clues, which can include challenges, riddles, or orders that need be completed before crossing the finish line. Some send racers hunting for a snapshot in front of a landmark, whereas others challenge them to complete some special feat, such as conquering an obstacle course on stilts.
The Mad Mud Run challenges participants to sprint and frolic through a dirty and deliciously fun outdoor obstacle course littered with manmade obstructions such as cargo nets, hills of hay bales, monkey bars, and slimy mud pits. Extreme Heat Adventure Races combine equal parts triathlon and scavenger hunt to create a 10–12K journey filled with running, river rafting, and mystery challenges that could pit teams against anything from blindfolded puzzles to wall climbs. Most Sierra Adventure Sports events encourage racers to compete in costumes of all types save for gremlins, which multiply in water and unfairly dominate the timed results.


text:
A New Start
new internationalist
issue 160 - June 1986
A new start
Ten years ago Kim Reefe lived in quite a conventional
Australian nuclear family - in a household of two parents and
four children - until all of them chose to break out of the pattern
they saw as inadequate. Here he tells what happened.
Gianni Marzella / Camera Press
OUR family chose to change its identity when we gathered together for Christmas 1976. The time was ripe: the youngest of the four offspring - of which I was third - was 18 years old. We had been a close family, but by 1976 we had all lived away from home. By that time we could see the inadequacy of the relationships we had as adults.
Liz and Tom - my parents - were, and still are, open to and involved in current social issues. Their commitment to political action and personal change went a long way towards bridging the 'generation gap'. This meant I respected them as concerned and thinking adults independently of the admiration and love I felt for them as Mum and Dad. Without their open mindedness this story would stop here.
Not only was the time ripe but also the times. Feminist thinkers were questioning long-held assumptions about the nature of relationships within the family structure, and there was a climate of excitement because of the potential of these ideas. By chance everyone in my family was able to take part in a five-day conference on 'The Family' held soon after our Christmas meeting. Afterwards we took a decision to live together as a household and not as a family for the coming year. We defined a household as a group of six adults choosing to share a house and all the chores and decisions that go with it. We did not want to slot back into all the old patterns when we were reunited.
Sunday evenings were devoted to 'household meetings'. Attendance was treated as a serious commitment and we all made an effort to be there regularly. Our Sunday meeting also gave us a time to meet as equals and identify problems that stemmed from a range of different issues. We could then work together to find solutions. Much of the change centred around housework. For me, as a man, this involved a lot of learning and a lot of tension. Much of our time on Sunday evening was spent grappling with the feelings that arose from the vastly different levels of experience and competence we had in the various household chores. But it was a fertile period: I learnt many valuable skills.
Other families and households were working on the same issues. Within our network of friends a food co-op started and some of us were involved in a very progressive church congregation. A group met regularly on Friday evenings to explore personal and social issues, and a tithing fund was set up to increase our awareness and effectiveness in supporting aid projects or social actions.
In experimenting and sharing with others who were also experimenting in their own ways, a sense of community began to develop. The deaths of both parents in one of the families close to us threw into stark relief the vulnerability of the nuclear family. Their deaths also highlighted the absence of the extended family - and the support it could offer - which was common only a generation ago. The closeness, the sharing and the grieving added momentum to our unconscious movement towards extending the household into a community.
And now, ten years later, the formation of the Cennedryss community is part of history. It was formed by 27 of us pooling various proportions of our savings and other assets and buying land together. But, most importantly, the Cennedryss community was created because of the deep trust we had in each other.
There was a lot of diversity in the ages of the people involved: they ranged from 8 to 55 years. However our backgrounds bore more similarity. We were mostly middle-class, white, affluent, professional, politically left-wing.
Because many of us had lived or worked in Third World countries, we were keen to bring development closer to home. It was exciting becoming a community and discovering what that meant. The immediate gains were a sense of purpose and togetherness. We had lots of fun: we spent evenings together devising our own entertainment in the form of concerts, games and songs.
However, along with the purposefulness came problems. It's hard to work together, and it is also difficult to maintain time for yourself and privacy in such an intense group. We had to learn that the group isn't a responsible entity, and that individuals must still take responsibility after something has been decided by discussion.
We became sure of the need to keep talking, and we have done so for thousands of hours. We meet fortnightly and have been very critical of the ways in which our meetings were structured. From the beginning we chose to make decisions by consensus, that is, talking until some sort of agreement is reached. We did not want to silence opposing views by voting. We also failed to live up to this ideal because of time-pressures.
We've also experimented with the ways in which the meetings are conducted. We have improved our skills in listening and found lots of ways to make sure everyone is heard in our meetings. To this end we have kept community meetings closed to anyone not a member. The drawback is that we have excluded some fresh insights, but we have increased our group's cohesion. Members of the community have felt safer, and so more able to voice their feelings or misgivings.
Choosing to keep the meetings exclusive has also meant that we have become a very close-knit group. We are able to work together creatively and act positively to change our lives. However, keeping the meetings closed has also isolated us. Our numbers have decreased, though some new people have joined. A major difficulty has been integrating the partner of a community member when their relationship was formed after the community began. In each case the scenario has been different. Some have left the community in order to pursue their couple relationship. For others their partners have become members of the community. Others have found a way to remain satisfyingly involved in Cennedryss and maintain a close relationship that is separate from it.
We tried to define membership many times. 'A feeling of belonging' seems the most apt. To maintain our assets and our lifestyle we pay a percentage of our incomes. This year it is 38 per cent. This figure is calculated annually depending on such variables as the expenditure we foresee, who is earning and how much.
From the beginning we have held a 300-year vision. This perspective takes me beyond my own lifetime and acts as a foil against the crowding concerns that confront me daily and justify short-term solutions to long-term problems. In a world so fragilely poised I hold this vision as sacred.
Kim Reefe has worked with Community Aid Abroad in Somalia, and now works for a Health Council in South Australia.
This article is from
the June 1986 issue
of New Internationalist.
You can access the entire archive of over 500 issues with a digital subscription. Subscribe today »
Help us keep this site free for all
New Internationalist is a lifeline for activists, campaigners and readers who value independent journalism. Please support us with a small recurring donation so we can keep it free to read online.


text:
One of the things you should see in Australia before you die is Sydney Harbor. The only problem is 'how.' Locals have been inventing new ways to see the harbor for years: you can sail it, cruise on it, swim in it, sit by it, canoe on it, fish it, eat on it, dance on it, drive over or underneath it, fly past it…the list goes on and on.
My Facts About Australia: Sydney Harbor
It is also becoming increasingly possible to walk around the harbor: there are 28km of track, many of which go through national parks and along beaches, covering points of historic and natural interest as well as hundreds of beautiful vantage points.
My Facts About Australia: Sydney Harbor by Night
There are plenty of historic sites around the harbor such as: The Rocks under the Bridge in Sydney Cove…the site of old Sydney Town. Ancient grain stores and custom built houses that are now restaurants, art galleries and shops. Don't forget to visit the Rocks Market, it's one of the cities best for art.
My Facts about Australia: Sydney
Did you know Sydney Harbor has not one, but two state-of-the-art aquariums…the Sydney Aquarium at Darling Harbor and Oceanworld in Manly.
Yes, Sydney Harbor has plenty to do for all and is a visit that you'll remember for a lifetime.


text:
How to get cashback
Refer & Earn
1. Login
2. Shop
Login or Sign Up and browse cashback offers on 2000+stores
Click through to your favorite stores via RETN Deals and shop as usual
We will track all your purchases and add RETN / ETH in your account.
Check out our Random Airdrop Codes distributed on our Social Networks. Paste the Code to Earn Rs. 10 in ETH
Total Coupons & Offers
Promocode is required.
Требуется ввод промокода.
promo code required
No worry! Check other stores
Hot deals - From $0.69! Get it Now!
8 times used
New arrivals - Up to 65% Off!
9 times used
Consumer Electronics SALE - Save Over 50%, SHOP NOW!
10 times used
Hot Seller Collection - Up to 80% OFF, Buy Now!
4 times used
Jewelry & Watches Items MEGA SALE - Up to 60% OFF, SHOP NOW!
7 times used
Top Selling New Arrivals - Over 70% OFF, Buy Now!
5 times used
Health & Beauty Sale-Up to 60% OFF! Shop Now!
Hot deals - Max 70% OFF! Get it Now!
New Arrivals- As Low As $0.59! Get them Now!
Toys & Hobbies Sale-Up To 50% OFF! Take the Deal!
Valid Members
Total paid to members
Estimated Payment Date
Tracking Speed
Cashback Claim Time
Refer your friend & earn 10% of their cashback earnings forever
Read More
Make $500 Daily with Click2Earn
Make $500 Daily with Click2Earn Click2Earn
Displaying Validated Stats
This tells why people love us


text:
Betel Nut Product Characteristics and Availability in King County, Washington: A Secret Shopper Study
Bachman, Sharon Anne
MetadataShow full item record
Background: The cultural practice of betel nut chewing with known detrimental health effects has become more geographically widespread through migration, and subsequently, global disease patterns have changed. Immigrants are at risk for oral health and multi system diseases due to continued patterns of betel nut use. Although legal in the U.S., little is known about the availability, purchasing patterns, and regulation of betel nut products. We documented the availability of betel nut and the consumer experience of buying betel nut in King County, Washington. Methods: We created a census sample of all Asian stores in King County, Washington through an internet search and in person store visits. We used a Secret Shopper design method to identify all stores that sold betel nut products and to document consumer experience and buying conditions of betel nut. We examined product pricing, labeling and marketing information of betel nut products purchased and developed a Product Information Score to evaluate products warning and consumer information properties. Results: Twenty-seven Asian stores (42%) sold betel nut products in King County. We identified 60 different types of betel nut products: 67% did not have warning labels, 22% had promotional advertising, 30% were marketed to children. No stores had warning signs about betel nut health risks, and all betel nut products without tobacco were available for self selection by consumers. Gutka was sold in 26% of stores and all gutka products were sold behind the counter. All regions of the Seattle metropolitan area contained stores that sold betel nut and regions of greater Asian population density had more betel nut stores. Conclusion: Betel nut is widely available, accessible, and inexpensive in King County, Washington. Stores inadequately warn consumers of betel nut health risks due to lack of in store warning signs, lack of age requirements for purchasing, easy access to most products, and limited product package warning information. Policy changes are needed to better regulate the betel nut market for consumer protection. Betel nut awareness campaigns are needed to promote prevention and cessation of betel nut use in order to reduce poor health outcomes among betel nut users.
- Global health [263]


text: NYC Subway Train Derails, 4 Hospitalized Accident in Queens strands more than 1K underground By John Johnson, Newser Staff Posted May 2, 2014 12:51 PM CDT 1 comment Comments A New York City firefighter assists a woman who was evacuated from the subway train. (AP Photo/Julie Jacobson) View 3 more images (Newser) – Four people are in the hospital with what the New York City Fire Department calls "potentially serious" injuries after an eight-car subway train derailed in Queens this morning, reports the New York Times. About 20 other people had lesser injuries after the accident around 10:30am. The express train was heading to Manhattan when its middle six cars went off the tracks near a station at 65th and Broadway, reports DNA Info. The mess stranded more than 1,000 people underground, but all have since been evacuated, reports the New York Post. Emergency crews walked them from the cars to ladders that led to an emergency grate in the sidewalk. "The train was shaking and the cars in the front started tilting to the right," recalls one passenger. "I heard a pang and then a screech and then the train came to a halt." The cause is unclear. (Read more subway stories.) View 3 more images My Take on This Story Report a story error Show results without voting | 4% Hilarious 4% Intriguing 6% Depressing 4% Brilliant 79% Scary 4% Ridiculous


text:
Honours even after Godleman hundred
Essex 262 for 5 v Somerset 387
Billy Godleman hit a century for Essex on an absorbing second day of their County Championship match against Somerset at Taunton. The former Middlesex batsman made 106, including 12 fours and three sixes, as his side reached 262 for 5 by the close in reply to Somerset's 387.
Leg-spinner Michael Munday claimed three for 100 to put a break on the visitors' progress after Alastair Cook had contributed 41 to an opening stand of 89. Earlier, Peter Trego finished unbeaten on 71 as Somerset added 59 to their overnight total of 328 for 7, sharing a last-wicket stand of 39 with Charl Willoughby.
Their partnership ended in unfortunate fashion when Trego drove back a ball from Tim Phillips, who deflected it on to the stumps with Willoughby out of his ground. David Masters had claimed the previous wicket of Munday to finish with 4 for 83. Trego's innings occupied 87 balls and featured 11 fours and two sixes, another example of the talent which saw him selected in England's provisional squad for the World Twenty20.
The Essex reply was launched in confident fashion by Cook and Godleman, whose highest first-class score of 113 was achieved for Middlesex on the same ground in 2007. They took the score to 61 without loss at lunch, Godleman having survived a difficult chance to Arul Suppiah at midwicket off Munday.
Damien Wright produced a tight spell from the Old Pavilion End after the interval and made the breakthrough when Cook edged to Marcus Trescothick at first slip. The England opener had faced 64 balls and hit seven fours.
John Maunders, dropped on four by Zander de Bruyn diving to his left at mid-on off Suppiah, then helped Godleman take the total to 156 in the 46th over before somehow contriving to smash a Munday long hop straight to midwicket.
Maunders had made 22 and departed swishing his bat in annoyance at a major error. The next ball from Munday saw Trescothick spill a straightforward catch at second slip offered by Jaik Mickleburgh.
Godleman's 50 had seen him face 84 deliveries and he became increasingly assured as the afternoon progressed, using his feet well to the spinners and hitting Munday for two sixes and Suppiah for one.
It was 163 for 2 at tea and the 200 had just been brought up when Mickleburgh was taken by Trescothick off Munday playing a similar shot to the one that nearly got him out first ball. Godleman then became the second batsman to perish to a Munday long hop. The ball failed to bounce and he was bowled swinging to leg with the score on 203, having faced 196 deliveries.


text:
Good day folks, our newly posted coloring image which you could work with is Different Words For H Alphabet Coloring Pages Printable, published on Alphabet Coloring category.For more image related to the sheet right above you, you could check the following Related Images section on the bottom of the site or surfing by category. You may find other interesting coloring picture to work on with. Enjoy!
All characters, names are trademark are belongs to their respectful copyright owners, it may not be altered or used for commercial purpose by any means.
Any infringement on trademarks and copyrights is unintentional and will be rectified upon notification.


text:
GraphicRiver Cowboy and Cowgirl Silhouettes 7833267
Category: Stock Vector | Comment: ( 0 )
GraphicRiver Cowboy and Cowgirl Silhouettes 7833267
Stock Vector \ Characters \ People
Rope \ Sheriff \ Rodeo \ Horse \ Rider \ Riding \ Shooting \ Shotgun \ Vector \ Western
Stock Vector - Cowboy and Cowgirl Silhouettes 7833267 by Lo-GoQu @ GraphicRiver
Stock Vector \ Characters \ People
Graphics Files Included: Photoshop PSD, Transparent PNG, JPG Image, Vector EPS, AI Illustrator; Layered: No; Minimum Adobe CS Version: CS.
Nice, clean and smooth vector. Cowboy, cowgirl, and they horse silhouettes. Good use for your symbol, logo, sticker, or any design you want. Easy to use, edit, or change color.
ZIP included : AI CS, EPS8, CDR coreldraw (Vector files = You can use any size you want without loss resolution), JPEG high resolution, PNG transparent, and PSD photoshop file.
Please don't forget to rate, if you like it! Thank You
Celepuk Logo Template; Cat Sketches; Frame Floral Ornament Decoration; Pet Shop Logo; Healthy People Silhouettes; Bird Sketches Vector; Happy Kid Silhouettes.
Keywords: animal, clip art, cowboy, cowgirl, design, female, gun, handgun, hat, icon, illustration, lasso, logo, male, pack, pistol, rider, riding horse, rodeo, rope, set, sheriff, shooting, shotgun, silhouette, stallion, symbol, texas, vector, western.


text:
Village Physiotherapy Shellharbour
At Village Physiotherapy Shellharbour, we care about you and you only. We aim to return you to your best as soon as we can. With one on one personalised sessions, we don't believe in hooking you up to a machine, rather we believe in education and hands on therapy. Using thorough assessment techniques we find the cause of your problem (pain/injury) rather than just treating the symptoms. In working closely with you, we will reduce pain, increase flexibility, increase strength and lead to increased sports/work performance.
We have clinicians who are passionate about what they do and keep up to date with new treatment modalities within the Physiotherapy and Osteopathy fields. Our clinicians will educate you regarding your injury, management strategies and ways to avoid further injury. We treat a vast array of conditions, with no condition to difficult.
By finding out what is meaningful to you in your sport, work or leisure activities, our team will create goals with you and successfully take you through your rehabilitation. The end result is you achieving your goals and leaving with a huge smile on your face. You will have a new found confidence in what your body can do.
So why not come in and try a "different" kind of service – Personalised Physio and Osteo in Shellharbour.
Book online now or give us a call to have a chat.
Meet our Team


text:
Hey there! I'm Kimba, a creative-minded mom always on the lookout for my next adventure. I live with my soldier husband, infant son, and two dogs. When I'm not blogging, you can find me exploring museums, sampling street food, and shopping local crafts.
I am the owner and creator of Den & Sky, a lifestyle blog focusing on travel, family, and home. My goal is to inspire families to live adventurously, whether that means traveling to a new country, starting a DIY project, or trying a new activity with the kids.
My goal is to show parents that adventure is out there even after you have children, and that you shouldn't listen to anyone who says you can't do so-and-so. This is the place to be if you want to express your creativity, try new things, or dare to challenge the naysayers – and don't mind doing it all with the kids in tow.
I typically post one or two times a week. To catch my latest posts, subscribe using the form at the top of the page or on the right sidebar.
I also accept requests for PR and media partnerships. My media kit is available upon request.
My Top Posts
If you're new here, start by sampling some of my readers' favorite posts:
10 Things You Need to Do in Playa Del Carmen
Travel Diary: Anniversary in Charleston, SC
The 15 Most Surprising Pregnancy Symptoms
OCONUS PCS with Pets: What to Know Before You Get Orders
Den (Home Decor & Organizing)
Easy Hand-Me-Down Clothing Organization for Small Spaces
DIY Mismatched Dining Chair Makeover
DIY Dollar Store Chalkboard Bins
Life (Miscellany)
Maternity Fashion Outdoor Wedding
5 Product Face | Minimal Makeup
If you're looking for anything in particular, use the search bar in the right sidebar!
About Me – The Long Version
For 25 years I called New York my home, and in many ways it still is. I'd always imagined living in New York City forever and couldn't picture myself anywhere else. That all changed when I fell in love with and, a few years later, married a military man who also happened to be my soulmate. Our relationship has taken us through bouts of long-distance communication, places I would have otherwise never traveled to, difficult deployments and periods of separation. I wouldn't trade it all for the world.
After completing my Master's degree in Education, I moved down South to where my husband was stationed. I had a big case of culture shock going from the big city to a small town in North Carolina. Because my family and close friends were far away in New York, I began feeling isolated.
At this time, we were also expecting our first child. Being a notorious over-planner, I began looking online for resources to inform me about pregnancy, birthing, and newborn care. I found so many great blogs dedicated to parenting and family life. Reading these blogs gave me not only the information I was looking for, but also a sense of belonging and companionship. They made me feel like I was not going through this alone.
I soon came to the realization that I wanted to become a part of this vibrant, virtual community of women who wrote about their experiences, adding my own voice and perspectives and building connections with others through the use of technology.
Why Den & Sky?
As I envisioned the themes I wanted for my blog, I found that my writing interests diverged into two main categories, which I have designated in my blog's name as "den" and "sky."
Den – I am a huge dog lover with two fur babies of my own. Dogs are den creatures by instinct. To a dog, a den is a small, cozy place of his own where he can feel safe and protected. To me, this image correlates to my idea of a home.
My den instinct drives me to create a beautiful and cozy home environment for my family. As a military spouse, however, our home base changes every few years. A part of me fears our home will forever look like we are in the process of moving in or moving out. Nonetheless I continually try to tap into that den instinct so that wherever we end up, we always feel like we are home.
Sky – What's the upside to moving around every few years? Opportunities to travel and take to the skies!
I have an ever-growing bucket list of places around the world I want to visit. I am a proud culture nerd – museums are one of the first things I research when planning a new trip. If you would define a foodie as someone who eats for fun rather than necessity, then consider me a foodie as well. I try to incorporate a healthy mix of tourist traps and local secrets into my travel plans.
Keep In Touch!
I'd love to keep sharing with you. Connect with me on any of the social networks below:


text:
Is Kayaking Better Than Canoeing
As a long time canoeist who has just got into kayaking I have had to reluctantly face this question. To me kayaking was a second choice but I am finding that it has many advantages over canoeing.
When we had our kayaking lessons I learned how to lift my kayak up and dump the water out while in the water, after rolling the kayak and filling the sitting compartment with water. This is something I would never be able to do with a canoe, nor could I re-enter the canoe while in the water which I was able to do with a kayak.
Out on a very stormy day on the Ottawa River, I was thinking that I would be very nervous (scared silly) if I was out in a canoe, but the kayak just bounced around on the heavy waves and I was actually able to paddle into the waves and make much better progress than I would struggling against them in the canoe, all the time worrying about being swamped.
The kayak seems to move faster and easier and even require less water than a canoe. The paddle stroke is very intuitive and even seems more efficient than paddling a canoe. The kayak seems to be sinkproof, and so far I have not managed to dump mine unintentionally, except once when getting in. I even feel a lot more comfortable taking the camera out in the kayak, in a suitable waterproof container, knowing it will not end up on the bottom of the lake or river.
The only disadvantage seems to be the inability to just turn around and sit the other way to paddle out of a narrow stream.
So I guess I will have to admit to being converted, but I can still take solace in the fact that a kayak is considered to be a type of canoe.
Postscript: You will notice that it has become a challenge to keep up the blog posts during the summer with visitors, travel and outdoor activities, but I will try to do better.


text:
What is Forest Gardening
It is a form of perennial Agroforestry that uses every layer of the growing environment (there are 7 of these) to produce food, materials for shelter, medicinal and other useful properties such as dyes, detergent and string. In fact everything that is needed to sustain human life.
Furthermore the idea is to grow perennial plants that form relationships with each other so that there is less manual work required in maintaining the efficiency and abundance of various crops. The forest garden is planned to ensure that there is as much variety as possible so that the production of food in particular is spread over as long a period as possible.
To this end many species are planted that are from other parts of the world so that additional diversity is introduced. This also gives us many clues as to how climate change is affecting growing conditions here in
West Wales. This makes my forest garden somewhat experimental., the results over the last 10 years have been mixed but last year I had a record crop of Japanese plums (Prunus salicina) where 3 trees averaged over 60 Kg each and 7 Kg of sweet chestnuts (Castanea sativa) .
I will be updating this blog througout the season with pics of blossom/fruit and autumn colour together with comments on
plants that have thrived and those that have not.
|primroses are abundant right now so why not pick a flower or two and eat as you go or even collect a few to scatter over your salad delicious!!


text:
WARREN, NJ - Six alumni or staff will be inducted as the Class of 2017 members of the Watchung Hills Regional High School (WHRHS) Hall of Fame at 7 p.m., Friday, May 12, at the school's Performing Arts Center.
The general public is invited to attend the ceremony. Tickets are $20, and may be purchased at the high school or at the door on the evening of the induction ceremony.
The new members to be inducted to the WHRHS Hall of Fame on May 12 are:
Juan Carlos Cruz: The beloved late former Spanish Teacher and JV Soccer Coach who died this past Fall, held a degree in Criminal Justice from Rutgers University, was on faculty at WHRHS for 12 years. Juan Carlos Cruz was JV Soccer Coach for that entire time. He had also been track coach for two years. In addition to teaching Spanish, he helped foreign students feel more welcomed when they visited here by showing them popular points of international interest, for instance, in Washington, D.C.
Stephanie Wriede Morawski: The 1988 WHRHS graduate was a highly decorated New Jersey State Champion swimmer at WHRHS, and a highly decorated Ivy League and NCAA All-American and swimmer at Harvard University. She is a 20-year swim coach at Harvard, and has guided The Crimson to numerous Ivy League achievements and honors. It was at Harvard last year, when the first transgender swimmer in NCAA Division 1 history successfully transitioned from being a female varsity swimmer to being a male varsity swimmer. Stephanie Morawski joined with other officials at Harvard in helping to facilitate that transition. This historic fete was profiled on a 60 Minutes piece reported by Leslie Stahl.
James J. Kanach: From 1980 to 2014, James Kanach was an esteemed teacher of English at WHRHS. He was named International Reading teacher of the year in 1986 as well as Watchung Hills Teacher of the Year in 1986. He was also a highly decorated, record-setting coach. He coached in 1,365 contests in multiple sports, for both boys and girls teams, and at all levels. In 1988, he was named Coach of the Year in both a boys varsity sport, soccer, and in a girls varsity sport, softball.He won Coach of the Year six times.
Robert (Bob) Beckert: Bob Beckert was a 1976 WHRHS graduate, who died in 2004, and was a highly decorated runner and member of the 1974 State Champion WHRHS Cross Country Team. He also competed in Track and Wrestling at WHRHS. He, his wife, Nancy, and their four children, all graduated from WHRHS. Bob Beckert was an active community volunteer, an active church volunteer, and a Sunday Schoolteacher. He was a successful AT&T professional, and an avid lifetime recreational runner. His family organizes the annual Bob Beckert Memorial 5K run/walk every June at WHRHS, which has to date raised more than $70,000 to fund scholarships available to all WHRHS seniors.
Ruth Schoenborn: A resident of Watchung for more than 30 years, Ruth Schoenborn was employed since 1957 as a Physical Education Teacher and Girls Basketball and Softball Coach at Watchung Hills, and retired in 1995. She was also coordinator of the Watchung Hills Adult School for 18 years, and involved with Klub House Kids, an afterschool daycare program in Watchung. She was a volunteer with the Watchung Rescue Squad, and a longtime member of Wilson Memorial Union Church in Watchung. She also enjoyed playing golf, and as am animal lover, walked dogs in the community, and provided day care for dogs and cats. Ruth passed in 2010.
Megan Kopecki: The 2007 four-year varsity letter winning WHRHS graduate was first girl to score more than 1,000 career points in basketball. Megan Kopecki led her team to multiple conference championships. She was also named a conference scholar athlete on her way to becoming a leading scorer and team leader for her basketball team at the University of Scranton. At Scranton, she earned numerous awards, including being named All American twice, being named conference player of the year three times, and leading her team to the Elite Eight in the NCAA Women's Basketball Tournament. She holds numerous basketball records. Her mark at WHRHS for most career points for a girls basketball player held until this year, when current WHRHS girls basketball player Julia Cunningham broke it.


text:
County board members have numerous responsibilities, including passing local budgets, voting on and passing local ordinances (laws), hiring and the management of county employees. In some cases, county board members oversee the creation of local tax levies.
County boards of supervisors exist in counties throughout the U.S., and their board members have similar roles to other types of local legislators. Additionally, board members often act as their own executive branches and often must not only create policy, but implement policy as well. As with all other forms of local government, county boards are subject to state authority and subsequently federal authority.


text: I have a suggestion for Tesla. I know it is illegal to have a display in the front row of a motor vehicle that can show live action like movies or YouTube. But what if the software was adjusted so that could happen ONLY when the car is in the PARK mode??? Sure would be a great time killer while sitting at a SuperCharger for 30 minutes?


text:
Cooler Master HAF Stacker Case Review
By ir_cow -
Cooler Master HAF Stacker 915F Closer Look:
Here is the 915F, not to be confused with the 915R included with the 935 full tower. Not to repeat myself much, but the 915F also suffers from the same flaws as its big brother. The lack of information is unappealing but that could be overlooked if Cooler Master included a manual.
The similarities continue; once the box is open you can see Cooler Master's different approach to packaging. The Styrofoam is layered rather than placed on the sides for better protection. Not much to talk about that hasn't been said already so let's move on.


text:
UV curing adhesive. 53372 is part of the MP 53037 family of medium viscosity, flexible bond UV adhesive with good resistance to vibration and shock.
Excellent for bonding:
Packaged in 50 mil containers with 300 containers per case.
This formula is also available in 1 liter and 15 liter sizes. 53372 is manufactured by Adhesive Systems, Inc.


text:
Graffiti and street art used to be a sure sign of a neighborhood's neglect. Even though it is still a countercultural art form, its role has grown: it enlivens public space, provides social commentary, and adds humor and color to the urban and suburban landscape.
1,000 Ideas for Graffiti and Street Art is a showcase of urban art suitable for artists of any medium, designers, and other creative artists looking for urban-style inspiration for their visual work. A visual catalog, it is both a practical, inspirational handbook and a coffee-table conversation piece. Graffiti and street artists—rebellious and non-rebellious alike—will relish the opportunity to have so many ideas for color play, illustration, and wild expressions at their fingertips.
Inside you'll find:
-1,000 photographs of graffiti and other types of urban art, with captions that feature location (city, state, country) artist name (if known).
-Artwork sorted into categories such as letterforms, stencils, portraits, murals, nature, tags, throw-ups, pieces, and productions
-Urban art glossary, basic aerosol painting and street art techniques, and more
Cristian Campos is a Barcelona-based editor and journalist that specializes in design, comics, illustration, and music. Former editor-in-chief of H Magazine, he regularly contributes to publications such as Rolling Stone and Man. He is the author of more than ten books, including Graphic Design in Holland and The New Wave of Japanese Illustration.


text:
Slowdowns bring with them a sea of changes. Purse strings become tighter and less is just enough. Expansions take a back seat and companies play it safe. But there is something that cannot afford to succumb to this changing environment: the quality of customer service.
It is a time when the phrase 'customer is king' holds more water than ever before. Especially for an industry that is facing a lot of heat: banking. Keeping their existing customers intact and adding to that customer base is an imperative for banks.
The definition of customer relations is broadening. When every new piece of customer data can reveal a new facet of a customer, information becomes a business opportunity. The more data, the merrier everyone is.
YES Bank was no exception. It managed customer relations via Excel sheets, something that the bank was beginning to regret. The problem was that it was a one-way information sharing system that restricted data flow from the customer to the company. Although it was used extensively by the bank's staff for cross-selling and up-selling, it lacked interactive features like capturing feedback from a customer.
Neither was it the smartest way to run the bank's sales force. "We had instances when we lost sales leads, or multi-interfaces to the same lead and re-assignment of leads. We just couldn't track older leads because there were multiple registrations and entry for tracking them," says a branch manager of YES Bank who prefers not to be named.
Having a customer relationship management (CRM) solution was the need of the hour. But, not just any CRM solution. If the bank's management was going to get one, it needed to be flexible and have the scalability to follow the business wherever it went.
"While conceptualizing the CRM, I was not looking at a mature and stable CRM package because our retail business model itself was demand-based and hence very fluid. We wanted to start with a small framework-based model which changes with our business needs," says Suvanjay Kumar Sharma, VP (corporate strategy) & chief enterprise architect, YES Bank.
An off-the-shelf CRM solution would have made Sharma's job much easier but he believed that a CRM tool should have customer feedback at every step and only a system based on Open Source would give him the agility that he was looking for. Neither was he willing to settle for a stopgap solution so he decided to build the solution in-house -- a tough task by any standard.
Joint Account
A relatively new entrant in the field where the big daddies such as nationalized banks have already celebrated their cetenaries, YES Bank was established in 2004 with financial support from Rabobank Netherlands.
From the bank's perspective, it's late entrance didn't have to be a disadvantage. It could give miss to legacy migration since there wasn't any and it could also adopt and implement technology according to the needs of a 21st century bank serving the new needs of the modern customer.
"We consciously wanted to avoid settling for a system and working with it just because our organization was still evolving. We wanted a flexible solution that would change in accordance to the dynamics of our business. What we wanted was a scalable CRM that could grow as we grew and not just any CRM solution," says Sharma.
And from those priorities was born the concept of the Yes Bank Collaborative CRM (YCCRM). But Sharma's in-house YCCRM wasn't satisfied with just fulfilling these needs. Sharma felt that customer feedback was vital, and that the bank needed to embrace its customers. "The difference was collaboration. We wanted to make it collaborative by making the customer part of the system. We were keen on empowering the customer to share his ideas and feedback. The system has two logical separation models: a pre-acquisition and a post-acquisition service cycle for customers," explains Sharma.
It took six to eight months to develop and implement the solution in the first branch. The YCCRM banks very heavily on employee collaboration. "Information lying in islands, without being shared across, is of no use at all. Internal collaboration adds a productive edge to the information we capture," says Sharma.
The customer information captured in the YCCRM is mapped to blog-like entries made by employees. These entries include ideas, suggestions, and perceptions of the sales representatives. The sales and product teams can then analyze this information and figure out related business opportunities. Such information can also be leveraged to customize existing products or conceive new products altogether.
Earlier, with Excel sheets, sales staff culled out details of customers by tabs in the form (name, company, account number, etcetera). But with YCCRM, they were provided with a template where they can fill details (other than the standard keywords) noted during their interaction with the customers. This meant they could personalize their dashboards.
Typically, sales staff interacts with customers over the phone, jotting down the most important parts of their conversation on little pieces of paper. This information was later filled on a separate form. With the new CRM, sales reps can now upload or download scribbled information from their phones to the main CRM system.
"We focused more on capturing data from mobile phones into the CRM system instead of capturing CRM system in the mobile phones. We leveraged the fact that people are more comfortable with their cell phones than their computers to introduce greater comfort for the user," says Sharma.
The new system also helped sales representatives in other ways. As a sales rep, part of the job includes being constantly on the field, which leaves them little time to fill in their reports. As a result, it is not always possible to feed details of their interaction with customers on the day they meet them. The old system marked the day they filed their report, not the day they met their customer. YCCRM has changed that. It provides an additional tab of source date (the date mentioned as the source date when they meet the customer and the system date when it is registered in the system). Sharma says, "Adding the source and system date has helped calculate the turnaround time of serving a client."
The integrated and personalized dashboard with an activities planner enables the smooth functioning of a sales rep. And it's social value-based relationship management helps in cross-selling. Take for instance a software developer who wants to move from an employee status to being an owner of his own firm. That piece of insight can be uself for the bank. The social value-based relationship management component will help cater to his changed needs.
On the dashboard, a small search box allows the bank staff to do an internal as well as a Web search on their customers. "We modeled the system so that it is practical. We wanted people to take part in the development of the system. The system has to be agile and ideas have to come from the users. This also allows you to add features according to your requirements," points out Sharma.
Credit Limit
But this convenience comes at a price. It wasn't easy to implement the CRM solution across YES Bank's multiple branches. The foremost challenge was convincing the business about using the Open-source CRM software and customizing it for their use.
But Sharma was convinced it was the way to go. He also knew that it was a decision that would introduce its own special set of challenges. One example is an initial performance issue related to JBOSS. When the number of concurrent users grew to over 80 to 100, performance started deteriorating and JBOSS shutdown. "We have done some optimization to solve the issue and also have logged the issue with Red Hat and have received some patches," he shares.
Developing a CRM solution in-house was not just about having faith and confidence in Sharma's team but meant that he needed to get involved with even the smallest details of the project. This gave him complete visibility of how the project was shaping. Since they worked closely with business, articulation of business needs was very clear and hence, Sharma's team was to develop features close to user requirements. Getting business users who were accustomed to off-the-shelf products to use the unique collaborative features of the YCCRM -- which could possibly give the bank competitive advantage -- was a task.
"The business users needed to be convinced because people prefer to walk the conventional path and hesitate to give up their existing mode and processes of working. But once you help them understand smaller processes they gradually accept the change," says Sharma.
"The idea of making the system with self-servicing functionality is to give the business users the ability to define the fields that they want. The business division rather than the IT division should be responsible for all the contents displayed and they can manage the user interface without IT's help," he says.
The Credit List
The implementation of a key tool like CRM has already started reflecting positively. There has been a drastic improvement in customer acquisition after sales leads were passed on via discussion boards. "There is servicing of 10 lakh leads and around 5 lakh service requests per year. Customer service has improved by 60 percent and turnaround time for its processes by almost 70 percent," says Sharma.
"This helped achieve greater service excellence, capturing all customer queries, complaints and their feedback into the common system. It has helped us understand our customers better and analyze the resolution time for each query or complain and then improve internal process accordingly. It also added lots of intangible business benefits and helped retain customers better," says Sharma.
The cross-selling of products has substantially surged after the implementation. The collaborative CRM has given a new window of social value-based relationship which is key for future cross-selling.
Further, the centralized repository for reports generated numerous benefits for the organization. "When data gets captured in a central repository there is more than one advantage to it. First, data loss is prevented. Second, data can be extracted and analyzed, which helps in understanding the business better. It allows us to observe trends and take proactive action to improve the customer experience and products," says Sharma.
The repository also enables geography-wise customer segmentation to plan a promotional campaign better. With the implementation of the YCCRM almost complete in all the metro branches, the next phase aims to cover the non-metro branches, bringing all 60 locations of the bank on board.
The next logical step is to take YCCRM online, where customers can directly be part of the system.
"Since this is an initiative to accommodate customers in the bank's process, we want to get the CRM system online soon so that customers can directly send their feedback or use blogs to interact with us.
This will definitely open new sources of information and at the same time it will provide us with a new set of opportunities in understanding the customer. This would surely help us serve our customers better," says Sharma.
Join the CIO New Zealand group on LinkedIn. The group is open to CIOs, IT Directors, COOs, CTOs and senior IT managers.