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Top Dividend Stocks
a. If the firm's dividend policy were based on a constant payout ratio of 40% for all years with positive earnings and 0% otherwise, what would be the annual dividend for each year?
b. If the firm had a dividend payout of $1.00 per share, increasing by $0.10 per share whenever the dividend payout fell below 50% for two consecutive years, what annual dividend would the firm pay each year?
c. If the firm's policy were to pay $0.50 per share each period except when earnings per share exceed $3.00, when an extra dividend equal to 80% of earnings beyond '$3.00 would be paid, what annual dividend would the firm pay each year?
d. Discuss the pros and cons of each dividend policy described in parts a through c.
lUHS-li Alternative dividend policies Given the earnings per share over the period
2002-2009 shown in the following table, determine the annual dividend per share under each of the policies set forth in parts a through d.
2008 1.56
2007 1.20
2004 0.60
2003 1.00
2002 0.44
a. Pay out 50% of earnings in all years with positive earnings.
b. Pay $0.50 per share and increase to $0.60 per share whenever earnings per share rise above $0.90 per share for two consecutive years.
c. Pay $0.50 per share except when earnings exceed $1.00 per share, in which case pay an extra dividend of 60% of earnings above $1.00 per share.
d. Combine the policies described in parts b and c. When the dividend is raised (in part b), raise the excess dividend base (in part c) from $1.00 to $1.10 per share.
e. Compare and contrast each of the dividend policies described in parts a through d.
baifr&J Stock dividend—Firm Columbia Paper has the following stockholders' equity account. The firm's common stock has a current market price of $30 per share.
Preferred stock $100,000
Common stock (10,000 shares at $2 par) 20,000
Paid-in capital in excess of par 280,000
Retained earnings 100,000
Total stockholders' equity $500,000
a. Show the effects on Columbia of a 5% stock dividend.
b. Show the effects of (1) a 10% and (2) a 20% stock dividend.
c. In light of your answers to parts a and b, discuss the effects of stock dividends on stockholders' equity.
Cash versus stock dividend Milwaukee Tool has the following stockholders' equity account. The firm's common stock currendy sells for $4 per share.
Preferred stock
Common stock (400,000 shares at $1 par) Paid-in capital in excess of par Retained earnings Total stockholders' equity
$ 100,000 400,000 200,000 320,000 $1,020,000
a. Show the effects on the firm of a cash dividend of $0.01, $0.05, $0.10, and $0.20 per share.
Show the effects on the firm of a 1%, 5%, 10%, and 20% stock dividend. Compare the effects in parts a and b. What are the significant differences between the two methods of paying dividends?
Stock dividend—Investor Sarah Warren currently holds 400 shares of Nutri-Foods. The firm has 40,000 shares outstanding. The firm most recently had earnings available for common stockholders of $80,000, and its stock has been selling for $22 per share. The firm intends to retain its earnings and pay a 10% stock dividend, a. How much does the firm currently earn per share?
What proportion of the firm does Warren currently own? What proportion of the firm will Warren own after the stock dividend? Explain your answer:
At what market price would you expect the stock to sell after the stock dividend?
Discuss what effect, if any, the payment of stock dividends will have on Warren's share of the ownership and earnings of Nutri-Foods.
Personal Finance Problem
Stock dividend—Investor Security Data Company has outstanding 50,000 shares of common stock currently selling at $40 per share. The firm-most recently had earnings available for common stockholders of $120,000, but it has decided to retain these funds and is considering either a5%oral0% stock dividend in lieu of a cash dividend.
a. Determine the firm's current earnings per share.
b. If Sam Waller currently owns 500 shares of the firm's stock, determine his proportion of ownership currently and under each of the proposed stock dividend plans. Explain your findings.
c. Calculate and explain the market price per share under each of the stock dividend plans.
For each of the proposed stock dividends, calculate the earnings per share after payment of the stock dividend.
What is the value of Waller's holdings under each of the plans? Explain. Should Waller have any preference with respect to the proposed stock dividends? Why or why not?
Stock split—Firm Growth Industries' current stockholders' equity account is as follows at the top of page 627:
Common stock (600,000 shares at $3 par) 1,800,000
Paid-in capital in excess of par 200,000
Retained earnings 800,000
Total stockholders' equity $3,200,000
a. Indicate the change, if any, expected if the firm declares a 2-for-l stock split.
b.. Indicate the change, if any, expected if the firm declares a 1-for-lVi reverse stock split.
c. Indicate the change, if any, expected if the firm declares a 3-for-l stock split.
d. Indicate the change, if any, expected if the firm declares a 6-for-l stock split.
e. Indicate the change, if any, expected if the firm declares a l-for-4 reverse stock split.
Stock splits Nathan Detroit owns 400 shares of Apple Inc., which he purchased in September 2006 for $18 per share. Apple is regarded as a high-tech computer stock and has introduced new innovations in the electronics field over the past 3 years. As of May 2009, the price of the stock was at $121 per share. Nathan read in the Wall Street Journal that Apple's board of directors believed that the stock may be priced too high and would trade more actively in a lower price range. The board announced a 4-for-l stock split.
Answer the following questions about the impact of the stock split on his holdings and taxes. Nathan is in the 28% federal income tax bracket.
a. How many shares of Apple will Nathan own after the stock split?
b. Immediately after the split, what do you expect the value of Apple to be?
c. Compare the total value of Nathan's stock holdings before and after the split. What do you find?
d. Does Nathan experience a gain or loss on the stock as a result of the 4-for-l split?
e. What is Nathan's tax liability from the event?
Stock split versus stock dividend—Firm Mammoth Corporation is considering a 3-for-2 stock split. It currently has the stockholders* equity position shown. The current stock price is $120 per share. The most recent period's earnings available for common stock is included in retained earnings.
Preferred stock $ 1,000,000
Common stock (100,000 shares at $3 par) 300,000
Paid-in capital in excess of par 1,700,000
Retained earnings 10,000,000
Total stockholders' equity $13,000,000
a. What effects on Mammoth would result from the stock split?
b. What change in stock price would you expect to result from the stock split?
c. What is the maximum cash dividend per share that the firm could pay on common stock before and after the stock split? (Assume that legal capital includes all paid-in capital.)
d. Contrast your answers to parts a through c with the circumstances surrounding a 50% stock dividend.
e. Explain the differences between stock splits and stock dividends.
M Ijjjtgyjj Stock dividend versus stock split—Firm The board of Wicker Home Health Care, Inc., is exploring ways to expand the number of shares outstanding in an effort to reduce the market price per share to a level that the firm considers more appealing to investors. The options under consideration are a 20% stock dividend and, alternatively, a 5-for-4 stock split. At the present time, the firm's equity account and other per-share information are as follows:
Preferred stock $ 0
Common stock (100,000 shares at $1 par) 100,000
Paid-in capital in excess of par 900,000
Retained earnings 700,000
Total stockholders' equity $1,700,000
Price per share $30.00
Earnings per share $3.60
Dividend per share $1.08
a. Show the effect on the equity accounts and per-share data of a 20% stock dividend.
b. Show the effect on the equity accounts and per-share data of a 5-for-4 stock split.
c. Which option will accomplish Wicker's goal of reducing the current stock price while maintaining a stable level of retained earnings?
d. What legal constraints might encourage the firm to choose a stock split over a stock dividend?
laflBJm Stock repurchase The following financial data on the Bond Recording Company
6 j are available:
Earnings available for common stockholders $800,000
Number of shares of common stock outstanding 400,000
Market price per share $20
The firm is currently considering whether it should use $400,000 of its earnings to pay cash dividends of $1 per share or to repurchase stock at $21 per share.
a. Approximately how many shares of stock can the firm repurchase at the $21-per-share price, using the funds that would have gone to pay the cash dividend?
b. Calculate the EPS after the repurchase. Explain your calculations.
c. If the stock still sells at 10 times earnings, what will the market price be after the repurchase?
d. Compare the pre- and post-repurchase earnings per share.
e. Compare and contrast the stockholders' positions under the dividend and repurchase alternatives. What are the tax implications under each alternative?
Stock repurchase Harte Textiles, Inc., a maker of custom upholstery fabrics, is concerned about preserving the wealth of its stockholders during a cyclic downturn in the home furnishings business. The company has maintained a constant dividend payout of $2.00 tied to a target payout ratio of 40%. Management is preparing a share repurchase recommendation to present to the firm's board of directors. The following data have been gathered from the last two years:
Earnings available for common stockholders $1,260,000 $1,200,000
Number of shares outstanding 300,000 300,000
Earnings per share S4.20 $4.00
Market price per share $23.50 $20.00
Price/earnings ratio 5.6 5.0
a. How many shares should the company have outstanding in 2009 if its earnings available for common stockholders in that year is $1,200,000 and it pays a dividend of $2.00, given that its desired payout ratio is 40%?
b. How many shares would Harte have to repurchase to have the level of shares outstanding calculated in part a?
ra PI 3-19 ETHICS PROBLEM Assume that you are the CFO of a company contemplating 6 j a stock repurchase next quartet. You know that there are several methods of reducing the current quarterly earnings, which may cause the stock price to fall prior to the announcement of the proposed stock repurchase. What course of action would you recommend to your CEO? If your CEO came to you first and recommended reducing the current quarter's earnings, what would be your response?
Chapter 13 Case
Establishing General Access Company's Dividend Policy and Initial Dividend
General Access Company (GAC) is a fast-growing Internet access provider that initially went public in early 2003. Its revenue growth and profitability have steadily risen since the firm's inception in late 2001. GAC's growth has been financed through the initial common stock offering, the sale of bonds in 2006, and the retention of all earnings. Because of its rapid growth in revenue and profits, with only short-term earnings declines, GAC's common stockholders have been content to let the firm reinvest earnings as part of its plan to expand capacity to meet the growing demand for its services. This strategy has benefited most stockholders in terms of stock splits and capital gains. Since the company's initial public offering in 2003, GAC's stock twice has been split 2-for-l. In terms of total growth, the market price of GAC's stock, after adjustment for stock splits, has increased by 800% during the 7-year period 2003-2009.
Because GAC's rapid growth is beginning to slow, the firm's CEO, Marilyn McNeeiy, believes that its shares are becoming less attractive to investors. McNeely has had discussions with her CFO, Bobby Joe Rook, who believes that the firm must begin to pay cash dividends. He argues that many investors value regular dividends and that by beginning to pay them, GAC would increase the demand—and therefore the price—for its shares. McNeely decided that at the next board meeting she would propose that the firm begin to pay dividends on a regular basis.
McNeeiy realized that if the board approved her recommendation, it would have to (1) establish a dividend policy and (2) set the amount of the initial annual dividend.
She had Rook prepare a summary of the firm's annual EPS. It is given in the following table.
- * j-8-
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subset: commoncrawl


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Hi there,
When I try to log onto one of my accounts on iPhone it keeps telling me that I have an incorrect name or password. However, when I use my android tablet, the account works fine.. I would really like to access this account from my iPhone. Can this be fixed?
Can't log on to account on iOS but no problem on android#1
~Death Dealer~
Level 225 Ranger
Clan Concordiia
Donn Server
Level 225 Ranger
Clan Concordiia
Donn Server


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Milestone Moments: Senior Year Version
Hey there guys!
Remember that time I wrote a super long post on my milestone moments at Iowa State? I was finishing my junior year then, and I still had a full year to go before my journey at Iowa State came to an end. Well then, time has flown, hasn't it? Already I'm facing my last two weeks as an official Iowa Stater ('cuz I'll always be one no matter where I end up), so I thought it was only proper that I finished what I started and wrote a post on my last three semesters as a senior (I stayed an extra semester finishing a minor). So here are some of my favorites moments! Life has been crazy, and it's only getting crazier!
1. I turned 21!
For my 21st birthday, which officially meant I was somewhat closer to OLD, me and my friends went out for dinner to Texas Road House. It's was low-key, intimate, and completely fantastic. And I recall those days with a lot of nostalgia thinking of how good it felt finishing finals and going home for a nice long nap, and then have the entire day to myself! It's the little things!
I mean it when I say a college experience isn't complete without a study abroad. That's why I just had to squeeze it in the summer before senior year, and boy am I happy I did! I traveled to Italy for a month and visited Tuscania, Rome, Florence, Sorrento, and Capri. It was one of the best summers of my life- full of so much traveling, new experiences, and just being inspired! If you want to read more Italy posts: 1 / 2 / 3 / 4 / 5(video)
3. We choreographed another Puerto Rican Cultural Night!
So we've done more of these, but every year they're a milestone moment for me. We put so much work into choreographing our little dance and making the event happen that once we're done it feels like another year just flew by.
4. I appeared in Iowa State's new commercial!
Well this was by far my biggest achievement in stardom. Haha! I mean, it's not everyday you get to say you appeared on TV. It was also an awesome experience just seeing how producing a commercial looks like behind the scenes. It was just great to see how much work they put into something that only appears for 20 seconds on TV.
5. I became part of the Bollywood Dance Club!
I finally branched outside my little Puerto Rican Dance Team, and joined Bollywood! It sure was fun meeting so many new people and preparing for their Diwali Night.
Ahem. Excuse me, but John Mayer will be my man crush forever. So when me and one my best friends found out he was having a concert three hours away from Ames, in Minneapolis, we bought the tickets instantly. It was fun having an all-girls road trip with a rental car!
7. I finally started feeling like more of an adult…
Sometimes we have one of those epiphany moments in life that leave us feeling the whiplash for days to come.
8. I spent Spring Break in Colorado with the Puerto Rican Student Association!
This was one of my favorite trips ever! We spent four days in Colorado exploring Garden of the Gods, Manitou Cliffs, The Cog Railways and doing other touristy things. It was nice to get out of Ames and bond with people I usually don't get to spent too much time with.
9. Felt completely weird enrolling in my last semester at ISU…
I guess it just had to happen sometimes, didn't it? Can't stay a college student forever!
10. Saw Ed Sheeran in concert!
I know, I know, another concert! But I'm a firm believer that if a concert shows up near by, and it's an artist you listen to often, you MUST go! This was another fun girls road trip!


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Read some of the inspiring true stories of microcredit borrowers from around the world…
Ana Ruiz from Nicaragua
Before receiving a $100 microloan to expand her tortilla business, Ana Ruiz of Nicaragua lived in a scrap wood shack with her eight children. She had no furniture except for her worktable and her children never had shoes or attended school. After her second loan she was able to send her four oldest to school and buy eight plastic chairs so the children wouldn't have to sit in the dirt. Before her microloan, her children were malnourished. "The little ones run around now," she says. "They go to sleep early because they are tired from playing around, not because they are weak."
Gonuguntla Mariamma from India
Gonuguntla Mariamma was born into a poor family in rural Andhra Pradesh, India. Her family's livelihood depended on agricultural labor, which depended on the unpredictable monsoon rains.
When Mariamma was eight years old her mother died due to ill health and an improper diet. Mariamma had to look after the household and couldn't attend school. To make matters worse, she was married off to a relative when she was 10. She had to become a wife and take on added responsibility. Her husband's family was large, consisting of eight members.
They owned two acres of dry land that was not cultivable, so the only option was to work as laborers. Each of them worked in the fields. As her family grew to five children, it became extremely difficult to run the household. She could not educate her children. She married the girls and sent the boys to work in the fields. Mariamma felt there should be some other path for sustenance, so after difficult days in the fields she began to take up sewing. She approached the local Mahila Mandal (Women's Association) in her neighborhood, learned to sew and bought a sewing machine.
At this point, SHARE was conducting its projection meeting in that village. Initially Mariamma was a little hesitant, but knew she had to take this opportunity because all her life she wanted to do something but did not have the chance. Mariamma took intensive training from SHARE on their methodology and loan procedures and she practiced her signature. This was a wonderful experience for her because she had not gone to school or written on a slate.
She took her first loan of $80 and bought a buffalo. She took a seasonal loan of $40 and bought grass and fodder. Mariamma was happy to see money flowing into her household. She gained confidence and the desire to earn more. She dreamed big now. Mariamma knew she could handle more buffaloes. She took her second loan and bought another buffalo. Now she owned two. She took her third loan, bought another buffalo and two goats. Unfortunately one buffalo died. But this did not dishearten her. With the income that she earned from her productive assets, she revived the dry land that her husband possessed and planted oranges.
Today Mariamma is a proud owner of 4 buffaloes, one calf, and 17 goats. She has a telephone and a television. She can sign her name, count money, and read a little. She is thrilled because she was instrumental in reviving her wasteland and has 30 bags of rice for her family. Her future looks bright to her now.
Janèt Dèval from Haiti
Janèt Dèval, a client of Fonkoze, a microcredit institution in Haiti, has been a credit client for more than two years and comes regularly to all meetings. She has also been a part of every literacy program available and is about to start the newest module on developing business skills. Not only could she not read or write when she started, but she has had an extra challenge: Janèt has only a fraction of her hearing due to an injury when she was 20 years old.
In Janet's words:
My husband didn't want me to send my five children to school because his parents didn't send him to school. From the beginning, he said he would not pay and he has never given even one goud, but I always knew it was important. For a long time I have gone to Port-au-Prince to buy goods to sell in Hinche, and I put all my money into paying for school for my children.
When I found out that Fonkoze gave literacy classes for market women, I was so happy. I never went to school even one day. I didn't know anything about school. I started right away with basic literacy and I have tried to never miss a class.
I couldn't write my name and I didn't understand anything, but I kept going even when my husband got angry. My kids pushed me and encouraged me and they helped me practice my letters. The monitor, Christa, told me to keep writing every day even when I didn't understand.
I can write my name now, and I write it everywhere. Imagine, I used to go to Port-au-Prince to buy and I couldn't read the bags and I felt lost. I couldn't keep track of what I bought. The drivers sometimes would take my boxes off the truck and give them to someone else, but I didn't know until I got all the way home. Now, I can't lose anything. Now I write my name on every box and I know what I buy.
I finished Alfa Baz and Alfa Pos and then I went to the Health Program, too. I still don't know many things, so I want to keep going. I take my notebook to my school and I write in it because one day I hope to read and understand everything. I bought two books in the market and my kids help me read them.
I work hard in the market so that I can repay my loans, keep going to school and so that my kids have that chance, too. If my parents would have sent me to school, I would have thrown a party for them to say thank you.
Alice Pallewela from Sri Lanka
When Alice Pallewela of Sri Lanka needed money to support her family, she turned to what she knew–candy and her credit union. This unlikely combination changed her life and her village's perception of its credit union.
After Pallewela married, her husband, a government employee, transferred to Yodagama, which was once an ancient village during the time when kings ruled Sri Lanka. Today, this tiny hamlet, in the Ratnapura District, attracts Sri Lankans from the south, who have settled in Yodagama under the government's agricultural colony scheme.
"Not everyone can be a farmer. Some have to be artisans and microentrepreneurs. I knew I needed to start my own business to supplement my husband's small salary," explained Pallewela.
After she decided to go into business for herself, Pallewela needed to choose what type of business. She said that choice was easy. It had to be candy. "I've always loved sweets. I especially enjoy the traditional preparations done during the festival seasons."
It proved to be the right niche; the closest candy seller was 50 miles away.
After six months of data collection, Pallewela said she decided to sell only a few kinds of candy, those that could be produced using locally available raw materials.
She now needed to purchase some equipment. Pallewela's credit union granted her request for a loan–US$100. "The credit union was there for me from the beginning, offering me both technical advice and the credit necessary to build my candy business."
Pallewela's business now draws enough profit for her to save regularly, allowing her credit union to lend to other microentrepreneurs. In fact, since first helping Pallewela, the credit union's membership has grown; nothing is more powerful than word-of-mouth endorsements.
As for Pallewela's business, she now employs six young women, all of whom have become partners, and her product is recognized as one of good quality in the market. "I own a business–something many only dream of doing. But I no longer have to dream thanks to my credit union."
The information was provided by Wansa Abayawickrama of SANASA. Bob Lestina, World Council of Credit Unions program officer, provided the pictures. Karen Kaplan, World Council of Credit Unions communications officer wrote the story.
Alemnesh Geressu from Ethiopia
Alemnesh Geressu is one member of the Women's Poverty Lending Program of CRS/Ethiopia (operated in collaboration with the local counterpart, Meki Vicariate, 110 km southeast of Addis Ababa, Ethiopia). Alemnesh lives with her husband, a poor farmer with no land, and their six children. For years, Alemnesh subsisted through petty trade, gaining a small profit, most of which she had to pay back to local money-lenders, paying around 10 percent or more per month.
Alemnesh received her first loan from CRS in 1995. She expanded her work by selling grain in the local marketplace, where she buys at a lower price from nearby farmers. In addition, she is involved in growing vegetables and plowing a plot of land, provided by the Meki Vicariate, with the other members of her solidarity group.
She says that there has been a real change in her attitude on how to tackle her financial problems and she has observed an improvement in her living condition after joining the program. "Before joining the program," she says, "I had a problem with paying back the interest to the money lender. Now, after receiving the loan from the association, I only pay the principal and interest at a commercial rate that is ten times less than I used to pay to the local money lenders." Almenesh's income has increased and she has started increasing her monthly savings. She now has enough money to buy things for her family and is sending two of her children to school. "I have now more confidence and skills in myself and I wish the program could accommodate more women to improve their lives."
Altagracia Damian from the Dominican Republic
Altagracia Damian started a tiny ceramics business in the Dominican Republic. She believes that development, whether personal or professional, is the result of human and economic resources. When she started her business in 1987, she had only 16 cents in her pocket.
After a few years of minimal operation, Altagracia went to ADEMI for a loan. She received $80 which she used to purchase clay and glazes. Since then, she has received a total of eight loans from ADEMI.
Although Altagracia herself doesn't draw a fixed salary, she now has seven employees working in her business. She says that thanks to the support of ADEMI, she has been able to climb out of extreme poverty and manage a growing business, while paying for her children's education.
Flora Matiasi from Malawi
More than one-third of the borrowers in FINCA's village banking program in Malawi are the sole supporters of their family. Flora Matiasi and her six children live in a one-room hut. In the past, Flora struggled to feed her children and their future was precarious. With the increased income from her growing business, she has been able to feed them regularly and pay their school fees.
Flora sells "mandazi" or oil cakes, a donut-like confection. With her loans from the local FINCA village bank, she has been able to buy raw materials in bulk at a better price. As a result she is able to produce, sell and earn more. So far, Flora has accumulated $540 in savings, nearly ten times the amount if her first FINCA loan. Saving is a crucial feature of the FINCA plan; village bankers' are required to save regularly, a practice which builds financial responsibility and independence. Saving enables families to plan for the future, to cover emergencies, which might otherwise sink them deeper into poverty.
Julia Sairitupac from Peru
Julia Sairitupac was born in the district of Santiago, 330 kilometers south of Lima, Peru. She was married at fourteen to a twenty-eight-year-old man. When she was eighteen, she moved to Lima with their first daughter. After her last child was born, her husband left Julia with no income. She had to leave Lima, as she could not pay the rent for the apartment where the family lived. In 1985, she moved with her children to "Sarita Colonia," a small village of 350 families, in the marginal urban zone in the south of Lima.
One of her daughters gave Julia the idea to initiate a business selling fruit juice and "salchipapas" (French fries with fried hot dogs) on the street. For several years the business was very slow because she had no capital with which to expand. In 1990 SEDES arrived in Sarita Colonia and Julia took out her first loan. Her first loans were small, between US$100 and US$200, and she was able to buy herself a liquefier, a juice extractor, and a showcase. She began to sell other delicacies and, with each loan, her business grew.
"I feel that I have begun, for the first time, to leave poverty," says Julia. "Although my work requires many sacrifices, I want to continue progressing and install my business in my own house, which, with the help of my children, we are already building bit by bit. My dream is to see it completely finished.
"Now I also have the opportunity to meet with other mothers in my community, who have chosen me as president of a mothers' club. During the mornings I give my time to the club; we already have a 'popular Dining Room' and give food to poor families at a very low price."
Anastacia Abella from the Philippines
Anastacia Abella, known in her neighborhood as Lola (grandmother) Tasya, lives in a squatters' village in Manila, The Philippines. She and her four adult children inhabit a shelter built from scrap materials. Frequent blackouts in Lola Tasya's neighborhood make kerosene lamps a necessity. Before she received her first loan of US$133 from Opportunity International, Lola Tasya spent each morning searching through garbage dumps for jars that she made into lamps.
After scrubbing them in cold water, she painted the lids, added wicks, and attached metal handles. She would then sell the few that she could make to earn a very small profit. With her loan, Lola Tasya can afford to buy clean jars from the dump. Before her first loan, she and her family made 150 lamps each day. With clean jars, they make more than 300 lamps per day, which earns them US$30 in profit. The family sells each lamp for 10 to 25 cents, depending on the size.
At age 72, after a lifetime of hard work, Lola Tasya should be enjoying a peaceful retirement. But she knows she must work each day to eat-at least Opportunity International has made that work a little easier. Lola Tasya is proud of her handiwork and her ability to earn her own way-she knows she is a survivor.
Mable Mambwe from Zambia
Mable Mambwe of Zambia has been knitting for her family of eight children since 1981. Although she thought about selling some of the garments she made, she felt guilty about spending any money on yarn – that money, she felt, should go to meet the basic needs of her family.
n Mable learned about Women Finance Trust of Zambia. She took out a small loan and purchased a second-hand knitting machine. A friend volunteered to teach her how to use it. "Since I already knew how to knit with my hands, it was not difficult for me to learn with the machine," Mable says.
"I made a lot of garments, which were sold. From the sales I managed to pay back the
loan and was able to help my family in terms of food, medical, and school fees. We are a happy family now that our income is able to meet our daily needs."
A friend had helped Mable pull herself out of poverty, and she wanted to help others. "After the problems I had gone through, and the assistance, I started thinking about assisting other women who had similar problems like mine. I organized a group of women who were not doing anything apart from waiting for their husband's support and volunteered to train these women in knitting and tailoring with my own resources," says Mable. The women are now applying for loans from Women Finance Trust to boost their businesses.
Nurajahan from Bangladesh
Nurjahan is a borrower of the Grameen Bank in Bangladesh. Her name means "the light of the world." Abandoned by her parents at three months of age and raised by a neighbor, Nurjahan was married at twelve only to be abandoned by her husband a year later, while three months pregnant. She returned to the family who had raised her, cooking for them while raising her son.
Before joining Grameen, Nurjahan had never earned more than $37.50 in a year and owned no land. After five years as a borrower with the Grameen Bank, her annual income is $250 (just above the national average) and she owns two goats, one pregnant cow, ten hens, and two-thirds of an acre of land. The land cost $1,000, more than four times the average annual income. Seasonally, she employs two farm-hands to assist with her rice crop. In a country where only 46 percent of the children reach grade five, Nurjahan's son is now in 8th grade.
Katakana Strzelinska from Poland
Katakana Strzelinska is 24 and lives in a working-class district in Lodz, the traditional textile center of Poland. Many factories have closed, leaving many people unemployed, especially women skilled in sewing. During her school days Katarzyna used to work alongside her mother as a quality controller in a company that made tights. Later she discovered that it was possible to make tights at home out of rejects from Western European factories.
In April 1995 Katarzyna set up her own company with 500zl (US$180) as capital. With this money she bought reject goods to rework. Her mother, grandmother, and aunt all helped with the work. "I had no chance of getting a loan from a bank," said Katarzyna. "From their point of view, I had nothing to guarantee any loans with. We worked day and night, but we had no chance of any further money to invest in the business for future growth. I found out about Fundusz Mikro from a girlfriend who runs a small shop and had got a loan from them. I decided to try for one too."
With her first loan of 2,000zl (US$700), she bought raw materials and a secondhand overlook machine to make tights. "My production increased by a factor of two or three," says Katarzyna. "We produced cheap nylon tights and more expensive ones with lycra and satin. I started to sell to a couple of shops, as well as market stalls. The loan gave me peace of mind because, even if someone had lent me a large sum of money, I would have had to give it all back in one payment. The monthly installments let me plan for my future bills and stocks. I feel so much more secure."
La Mamn Mole Motuke from Zaire
La Maman Mole Motuke lived in a wrecked car in a suburb of Kinshasa, Zaire with her four children. If she could find something to eat, she would feed two of her children; the next time she found something to eat, her other two children would eat.
When organizers from the Association interviewed her, she said that she knew how to make chikwangue (maniac paste), and she only needed a few dollars to start production. After six months of training in marketing and production techniques, Maman Motuke got her first loan of US$100, and bought production materials.
Today, Maman Motuke and her family no longer live in a broken down car; they rent a house with two bedrooms and a living room. Her four children go to school on a regular basis; they eat regularly and dress well. She currently is saving to buy some land in a suburb farther outside of the city and hopes to build a house.


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text: Is anyone on this list running iDempere on FreeBSD-11? If so can you share with me any prerequisites or 'gotchas' with respect to installing it? -- *** e-Mail is NOT a SECURE channel *** Do NOT transmit sensitive data via e-Mail Do NOT open attachments nor follow links sent by e-Mail James B. Byrne mailto:ByrneJB at Harte-Lyne.ca Harte & Lyne Limited http://www.harte-lyne.ca 9 Brockley Drive vox: +1 905 561 1241 Hamilton, Ontario fax: +1 905 561 0757 Canada L8E 3C3


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I'm not sure which "tightening product" you've seen. The only way to tighten the vagina is to tighten the surrounding muscles. Kegel exercises (we give instructions on our website) target the muscles of the pelvic floor. And many women find that exercise tools (like vaginal weights or a barbell) helps them be sure they're flexing the right muscles. I also recommend the Intensity Pelvic Tone Vibrator, which uses a combination of electrical pulses and vibration to build pelvic tone.
You can't really tighten your vagina. What you can do is tighten your pelvic floor muscles, which surround the vagina. We offer a variety of products designed to help you improve pelvic floor tone, as well as instructions on how to do Kegel exercises.
There are some laser treatments that have been offered to tighten the vagina. They're relatively new treatment options, and the outcomes seem quite variable.
I hope this helps! (And I'll note that strengthening your pelvic floor is also good for preventing incontinence, so there's lots of reason to develop the Kegel habit!)
Resolutions are easy to make and hard to keep (most people don't). However, as we mentioned before, certain psychological tricks can increase your chances for success, and sheer persistence is one of them.
In the spirit of successful resolutions, I propose devoting January (yes, the whole month) to specific health-related resolutions. In fact, each one focuses on an often neglected body part that is critical to good sex and/or well-being.
First up? The pelvic floor.
You might not think much about your pelvic floor, but it affects you every single day. That surprising leakage after your firstborn child? That need to pee every half hour now that you're post-menopausal? The more frequent UTIs? The slack "vaginal embrace" during sex? That really annoying pelvic organ prolapse that's causing all manner of issues?
All these annoyances (and more) are related to the muscles in your pelvic floor. That's why we write about pelvic floor health and doing kegels so much on MiddlesexMD. That's why a healthy pelvic floor is part of our recipe. That's why we have products to help you do those kegels right. It's all because a healthy pelvic floor is so darned critical to our quality of life, especially as we get older and lose muscle tone and elasticity.
While many lifestyle improvements—losing weight, not smoking—will coincidentally improve the pelvic floor, they aren't the stuff of resolutions that are easy to keep. Kegels, on the other hand, are specific, countable, time-limited, and realistic—all the elements of a solid, successful program.
And now, they can be fun! (Another element of success.)
A new smartphone app combined with a high-tech vaginal tool was recently launched on the crowdfunding website Indiegogo. Perifit is an exercise tracker/trainer for your pelvic floor. It's comprised of a flexible, bulbous, silicone tool that goes in your vagina and sends low-energy Bluetooth signals to an app that is downloaded onto your smartphone, tablet, or laptop.
If you're successfully tightening your pelvic floor, a butterfly stays afloat on your device. The tighter you squeeze, the higher it flies. Not only will you know if you're tightening correctly, but the tool also measures both deep and shallow muscles contractions as well as their effectiveness against four parameters: force, endurance, reflex, and agility. You also get to choose among several training programs targeted toward specific issues, such as different types of incontinence or post-childbirth trauma.
The program isn't cheap, and it's also new, but it's a hugely fun concept and casts the notion of doing kegels in a refreshingly different light. If nothing else, watch the video with the adorable baby and draw comfort from the fact that women of all ages are working on their pelvic floor.
Like any workout, developing pelvic floor muscle takes time and consistency. Whether your success with this program depends on a butterfly video or vaginal weights or your own self-discipline, you have choices among several tools, one of which might align well with your personality.
The last element to a successful resolution is persistence. Of course you'll forget or skip days or get lazy. The secret is to pick up where you left off and keep on going. Set up a realistic, measurable program. Healthline recommends holding a kegel for a 3 seconds; releasing for 3 seconds and working up to a 10-second hold. Three sets of 10 ten-second reps a day is a good goal.
Developing pelvic floor strength isn't as obvious or satisfying as working on tanktop arms or a bikini belly (if that's even possible anymore), but it is arguably more important. Avoiding or reducing incontinence, UTIs, and pelvic organ prolapse while increasing sensation and vaginal strength for better sex is nothing to sneeze at.
When I first talked to Missy Lavender, I really had no idea if I would ever catch my breath. What knocked the breath out of me? Pick one: The sheer force of her charm, the drama of her comeback story, the strength of her will, the depth of her love, the remarkable cheer and impishness of her presence—even over the telephone. Or just the fact that we are on the same path, working on the same problem, with exactly the same drive… to make sure that women everywhere get to enjoy good pelvic health, for life.
With Missy, it's been no holds barred. And so I jumped at the chance to join her advisory board, and I'm happy to be exploring what we might accomplish together. So, this post will be an introduction to Missy and her mission, because we really want you to know all about her and the BelowYourBelt.org, the organization she founded as her response to, as she would say, "things going sideways" in her pelvic life. That's kind of putting it mildly.
But this Kellogg Business School MBA lost a lot after childbirth left her in pelvic trauma, with a babe in arms, and struggling, despite all of her many resources, to get the help she needed to recover her urinary and sexual function post childbirth. She made up her mind that the difficulty she had finding solutions to pelvic problems would never have to happen for other women.
With the kind of energy no new mother in her 40s usually has, she jettisoned her former career in investor relations, and established the Woman's Health Foundation with the goals of improving women's pelvic health and wellness, driving research, developing and offering education and fitness programs, fostering conversations, creating communities for women, and serving as a national resource on pelvic wellness issues.
And if that sounds like a lot to pull off, just know that now, in their twelfth year, they are doing it. All of it. And doing it really well, too, from their offices in Chicago, with their amazing and dedicated team, and largely because Missy herself is a force of nature.
We struggled and huffed and puffed, but eventually caught up with Missy, for a moment, over the holidays, for cup of tea and a chat about this path she has been on. She was preparing for yet another pelvic surgery to manage the aftermath of that difficult childbirth, a situation she will share completely with her readers in the blog she writes on the Foundation's website, where you can keep up with all of the projects they are managing, and all of the many good souls making their work possible.
Some of the people you get to meet are her favorites, the "Grumpy Patients" and mine, the "Grumpy Patients." Here's Missy:
So that's a bit of Missy. The whole Missy is transforming. Her books (including this one for daughters and granddaughters) are charming and so worth having in your home and giving to the women you love. I'm giving them to the women I love. We're looking into offering them through our site.
Meanwhile, do check out BelowYourBelt.org, throwing light on pelvic health in all its complexity and beauty. Demystifying it and keeping it all working for us, happily and comfortably for life
Our friends at The National Association for Continence recently reported that fully 40 percent of women are doing Kegel exercises incorrectly.
Oh dear.
We want to do our part to correct that, because for one thing, it's not really that hard to do them right. But most especially because, you really can't do a single solitary thing to help you maintain pelvic health throughout your life that is more beneficial than Kegels. To avoid incontinence, pelvic organ prolapse, uncomfortable sex, urinary tract infections, a host of difficulties as we age.
Not. One. Thing.
And that goes for your mom. And your daughter.
And guess what? For any man in your life, too.
Yeah! Everybody!
Everybody! Do the Kegels!
But, well, we have a focus here at MiddlesexMD, so our links and discussion might be a bit more female-anatomy-ish. But here's a very specific link for the men, just so you know I'm quite bullish about Kegels for men, too.
Okay. Let's get our Kegels on.
First, if you need a refresher, on your the pelvic floor muscles, I wrote all about that here. I encourage you to review that post so you can envision the lovely figure-eight sling of muscles that hold all of your important organs in their proper places, happily chugging along as you move through your busy day.
Once you have a clear sense of that pelvic sling of yours, find a place to sit quietly, feet on the floor, straight out from your hips, hands just folded quietly in your lap, eyes closed, breathing softly, with the space and time to give this practice a little focus.
Are you there? Good. Now, as if you were stopping the flow of urine mid-stream, tighten the muscles around your vagina. That's all, just as if you were stopping the flow.
And there they are! Those are the primary muscles we will be working! Well done, you!
Let's take it another step. Working just a little harder, imagine that you are sucking a heavy, marble ball into your vagina. But, let's make it a warm one, and well lubricated!
As you develop your sense of your inner landscape, try tightening your inner pelvic muscles to draw your pubic bones and tailbone together or imagine trying to draw your "sit bones" toward one another.
But! And here is where things can go wrong, and where people tend to run off the tracks. When you are doing your Kegels, you should not be tightening your buttocks. Let those stay relaxed. Don't tighten your inner thigh muscles, either. Let those stay soft.
Definitely don't hold your breath. Breathe softly. Do not suck in your gut. All is soft except that sling under your organs. Focus. And breathe. This thing that takes some concentration at first will become so natural with practice you will be able to do it while waiting in line at the grocery store.
Here are further ways you can help yourself really refine your practice, and I love these recommendations, and very much encourage you to actually do them!
First, get up close and personal. Use a hand mirror and a good light to watch what happens when you contract these muscles. That's right—look in the mirror at your pelvic floor in action. It's pretty cool to see what you can do when you are working those muscles!
Second. Remember they are muscles, and like all muscles, they have a full range of motion that should be worked. Most of us do our Kegels just contracting them. But it's good practice also to stretch, or elongate them. And one of the best ways to think about that is the Elevator visualization. It goes like this:
Think of your relaxed pelvic muscles as the first floor. Contracting your Kegels as we did for the urine-stop visualization is like taking them to the second or third floor. The marble sucking exercise is maybe the fourth floor. And if you use actual Kegel weights or barbells you can go to the higher floors still. But elongating, or stretching the muscles, is taking your pelvic floor to the basement. Something that's very good for them. Elongation tends to happen naturally when you yawn. But it's a nice thing to do for them at the beginning and end of your Kegel sessions. Stretching is a kind of pushing action, a little bit of a bearing down, to stretch the connecting ligaments a little bit, get the blood flowing.
So, I hope that clears thing up. Don't be among the 40 percent. And don't let anyone you love be, either. Good pelvic health is everyone's right. We ought to be the generation that ensures this for everyone.
You say you can hold one bead, but not two. The only thing you're doing wrong is expecting too much too soon! It takes time to increase muscle strength, and if you only recently bought the weights, you likely only need more time.
Start by using the weights for a few minutes while sitting; go to standing as you're able. You can also increase the time as you're able, and if you're using Luna Beads, you can increase the weight, too, by interchanging beads. Each step can take weeks, and not everyone can build enough strength to get to the maximum weight.
If you've had surgery or radiation, your vagina may be too short to hold both beads. If vaginal depth is causing problems for you, dilator therapy, which also requires patience, can help to restore capacity.
Take your time, grant yourself patience, and stick with it!
The short answer is yes, Kegel exercises, which strengthen the pelvic floor, do help prevent and then counter incontinence. The exercises need to be done consistently, and they need to be done "correctly," which means flexing the right muscles. You can read how to do the exercises on your own on our website, but there are also tools available that can help.
I saw in my practice last week two women who said their incontinence was 80 percent better after six to eight weeks of daily use of the Intensity pelvic tone vibrator. The Intensity uses electrical pulses to contract the muscles of the pelvic floor; the vibration leads to orgasm, which also contracts those muscles.
Simpler options for targeting the right muscles with Kegel exercises are vaginal weights (like Luna Beads) or BFIT Classic Vaginal Weights; Luna Beads are the most popular option at the MiddlesexMD shop). Any of these options inserted in the vagina as directed will help you assure you're flexing the pelvic floor as you intend. With Luna Beads, you can increase the weight for more resistance as you build muscle tone.
The key in any case, with or without tools, is to be faithful in doing the exercises! It's definitely worth it--for lots of reasons that keep you active and enjoying life.
The pelvic floor is made up of multiple muscles and supporting tendons. They act like a hammock or trampoline to support a number of vital organs: the bladder and urethra, uterus and vagina, and rectum and anus, to name a few. It's a very unique area of the body, involving organs that play a role in varied and important functions: urination, defecation, sex, and childbirth.
Many things can disrupt the proper function of the pelvic floor; childbirth, natural aging, and menopause are common. Surgery can have an immediate effect. Sexual trauma may result in damage, and so can actions as simple as lifting or coughing. Symptoms of the pelvic floor not behaving properly might be urinary incontinence (involuntary loss of urine), painful sex, or constipation or difficulty moving bowels. Pelvic organ prolapse can cause or exacerbate some of those symptoms; that's when one or more of the organs resting on the pelvic floor sag into one another.
A discussion with your provider about your symptoms, accompanied by a good pelvic exam, can help in determining whether pelvic physical therapy is likely to help your condition. To get the best outcome it is best to find someone who specializes in this area of the body. A great pelvic physical therapist can work magic!
A common reason for referring to physical therapy is urinary incontinence. As part of treatment, physical therapists use electrical muscle stimulation, employing devices that stimulate the muscles of the pelvic floor to teach them to properly contract and relax. Several of these devices recently became available for home use. In addition to increasing continence, Intensity also treats orgasmic dysfunction (difficulty achieving orgasm). It works in two ways: providing electrical stimulation to the pelvic muscles (you increase the stimulation as the muscles get stronger) and offering a very intense vibration that improves the ability to orgasm. Orgasm is, after all, a series of very intense muscle contractions; as the muscles grow stronger, you improve orgasm. So far my patients have given Intensity two thumbs up! Other, lower-tech options to improve pelvic floor muscle function are vaginal weights and barbells.
What you describe could well be vaginismus, which is the involuntary spasm of pelvic floor muscles of the outer (lower) third of the vagina. The resulting interference with intercourse is experienced as "too tight," "he can't get in," or "it's like he's hitting a wall."
Because the spasm is involuntary, the cause is sometimes difficult to understand. Pain in the area of the pelvis can be a contributing factor, so the hip pain you describe is likely involved. Beyond interfering with intercourse, vaginismus--those pelvic floor muscles in spasm--can also be experienced as pain in the pelvis, low back, low abdomen, and upper thighs.
It's important to have an exam to better understand what's happening for you, and I'd advise that you have the exam sooner than later. If you have surgery in your future, physical therapy that starts before-hand (and continues after) could help in your recovery, too. Vaginal dilators are often a part of therapy for vaginismus, and that, too, can start now and deliver benefits for your recovery.
Good luck in working through this! With patience and good information, you can do it.


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To organize the authorizations for users with access to the administrative environment of the VTEX store, the license manager uses access profiles.
Access profiles define the functions that the user can view and/or change in each module of the platform.
VTEX offers a number of existing profiles, which usually meet most needs, but it is always possible to have a new, fully customized profile.
Here are some useful profiles:
If none of the existing profiles meets your needs, it is possible to create new profiles.
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Inview Technology
Inview Technology has been providing innovative software and services in digital TV space for over 15 years. Since 2011, it has focused on the deployment of Smart TV solutions to the mass market through its low cost software platform. Inview delivers an intuitive user experience, combining internet and broadcast content seamlessly in one user interface. Inview's technology is deployed across Europe in the retail free-to-air sector. In September 2012, Inview launched a new division, Inview Solutions, which addresses the operator market with a bespoke Smart TV offering that enables operators to quickly and easily deploy OTT services.


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While Men In Black 3's announcement was a bit of a surprise, it doesn't come as a huge surprise that the studio would want another Men In Black sequel. The shocker here is that if Sony is really gung-ho about the film, and goes forward as they plan to, they may have to do it without its lead star Will Smith.
Despite bombing at the box office with his latest flick After Earth, Smith still is a huge contender for box office numbers, and a well established series such as Men In Black without its lead could be a huge upset at the movies. However, that's what we may be looking at if Men In Black 4 doesn't get stuck in limbo.
In a recent interview, Will Smith didn't sound too pumped for a Men In Black 4, as he stated: "I think three is enough for me. Three of anything is enough for me. We'll look at it and we'll consider it, but it feels like that it might be time to let someone else do that."
The Men In Black franchise saw Agent K (Tommy Lee Jones) and Agent J (Will Smith) erase people's minds as part of their alien clean up, while dueling with evil aliens that were secretly inhabiting earth. The mind erasing plot point has been played with throughout the franchise, and it looks like they may have to do some mind erasing for Agent J and bring in a new agent.
Another agent that seems to have one foot out the door is Tommy Lee Jones. Jones, who plays the Debbie downer grump of the franchise was barely in the third film. Instead his role was a much younger K played by Josh Brolin, as Agent J went back in time. Though it hasn't been said whether or not Tommy Lee Jones wants out of the franchise, we can definitely see another back in time film with Josh Brolin, but we can't imagine anyone that could play off of Brolin, who's as goofy and charming with the same charisma as Will Smith.
Do you think Men In Black 4 survive without Will Smith?


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Booming IT sector in India has plenty of jobs for fresh computer engineer graduates. Candidates from top notch engineering colleges however get attractive job offers from MNC IT companies in comparison to not so known engineering colleges. Additionally, candidates with high percentage of mark and good communication skills as well as sound computer knowledge do not face problem in getting a job whether they are from a reputed engineering college or not. Computer engineers can get jobs in non-IT companies like universities, research, private and public industries, government departments, business organizations, commercial organizations and the manufacturing sector, etc. Most computer engineers are further classified by specific areas of focus. The following is a list of several major specialty areas within computer engineering:
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PackersNY posted a topic in AnnouncementsAfter a ton of work and rolling on the floor crying, Ampersand and I were able to complete the Free Ranks. There are now 30 ranks that you guys can obtain by spending your in-game currency. As you progress through the ranks, you will be rewarded with various tools and commands. Here is the list of rewards you guys can receive from ranking up: Here is the list of the ranks you guys can obtain: Default Apprentice Amateur Member Crafter Citizen Farmer Hunter Explorer Scout Caesar Warrior Guardian Paladin Champion Spartan Ultra Arcane Heroic Elite Supreme Unique Celestial Divine Legendary Mythic Master Nephilim Titan God If you guys have any improvements that we can make to the Free Ranks, please let us know by posting in the "Suggestions" section of the forums. https://forum.nanonuke.net/forum/8-suggestions/ Thank you for joining NanoNuke and believing in our project. It's only going to get better from here. -PackersNY


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Invisible Fence Brand systems feature exclusive technology that works together to give your pet more freedom. All while keeping them out of harm's way—and out of the hostas. With the same Computer Collar® Receiver, your dog or cat can enjoy safe yard boundaries, access our secure pet door, and learn to resist the temptation of the kitchen garbage can…even when you're not there to chaperone.
Invisible Fence Brand systems integrate easily, so you can enjoy your pet indoors and out. Plus, they include professional installation and our exclusive, scientifically based pet training. Our solutions are effective. Affordable. And they all come from the original pioneers of pet fencing technology since 1973. So, let's talk. Together, we'll discover the solution that's the perfect fit for you and your pet.
Keeping pets out of trouble and giving people peace of mind is what my job is all about. I really enjoy educating our clients and seeing animals learn new things. It's amazing to me how alike we all are, and when our clients get to see that kinship through our training process I know we're doing great work.
I've been with Invisible Fence® Brand since October of 2015 and I'm proud to be part of such an amazing team. My primary task here is to build a safe place for dogs to be dogs—and it's my pleasure to do it.
My 20 years as a dog trainer have been full and rich. My time as a Behavior Evaluator for the ASPCA was marked by an increase in successful adoptions across the country, and after that I had the honor of serving as past President and Director of Training at L.C.D.T.C. in Eastern Washington. I've also taught countless classes as a volunteer-coach, walking hopeful new pet parents from Puppy Kindergarten to CGC awards. What a pleasure to see students become trainers themselves! But the highwater mark in my career might be the chance to equip neighbors to be First Responders through the Project Breathe™ Program.
Endorsement: National Association of Dog Obedience Instructors
Honors: Outstanding Member Award, ASPCA
Part of the Invisible Fence® Brand family since June 2013, I can usually be found serving our customers and field employees at our Kirkland store along with my 3 dogs—Emmy (pictured), Flip the fat one and Chia the Chihuahua.
Tammy joined Invisible Fence® Brand in April of 2017 and comes with a strong retail and business management background. She loves helping people and is a huge animal lover. Tammy has built an incredible team ready to help you keep your pets safe. Tammy has three dogs a Jack Russell Terrier/Beagle named Spike, an Australian Cattle Dog named Jake, and a rescue Beagle named Daisy.
I joined the team in 2013. My passion is improving people lives through their pets and Invisible Fence Brand allows me to practice this everyday. It is an absolute pleasure working with an amazing team that truly cares about what we do. Changing lives one pet at a time.
Lead Field Technician
Senior Field Technician
I've been with this incredible team since 2016. Having the opportunity to teach a new pet everyday and give our customers peace of mind that their four legged family can enjoy their yard worry free is what it's all about.
I care deeply about keeping dogs safe and have been a part of Invisible Fence Brand for over 25 years.
Field Technician
I've been a proud member of the Invisible Fence® Brand team since June of 2018! I love working with clients and their pets to improve all of their lives by providing safe containment solutions, and I get to play with dogs every day!
I have been with Invisible Fence Brand since October of 2018. I have grown up with dogs and cats my whole life. I love being able to keep pets safe and free, as well as giving owners peace of mind.
Hi, I'm Loren Ross!
When I was 7 years old I started dog 4-H with my papillon Peter Pan. When I was 13 I was professionally showing Irish water spaniels for one of the country's top winning Irish water spaniel breeders. I've traveled the country showing, competing, raising puppies, and training dogs. I have a German Shepherd named Ikaz, an Irish water spaniel, Brynn and a Labrador retriever named banjo bailey. I recently moved back home from being enlisted in the army as one of America's first female infantrymen.
Invisible fence has made transferring to civilian life incredibly amazing. Invisible fence gave me everything possible, I get to play with your cute doggos, keep them safe and meet amazing clients like you, along the way.
At Invisible Fence Brand of Seattle we're passionate about protecting pets — so you can focus on fun! So, let's talk. And we'll find the gentle, effective, affordable solution that's right for you and your pet. Guaranteed.


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Sony Computer Entertainment has elaborated just a bit on the backend interface that will allow users to interact with the PSP when not playing games. A mystery until now, it turns out that the system will be powered by the XMB interface now featured in Sony's PSX system and high end plasma televisions.
XMB, which stands for Cross Media Bar, is a graphical interface that's shaped like a cross. Users of the interface move left and right to select between main category entries, then move up and down to select between sub categories. On the PSX, for instance, main categories include "Games," "Videos," "Television," and "Audio." Subcategories for "Games" include the memory card manager, contents of a game disk that's inserted into the PSX and game-related content that's been copied onto the hard disk.
For the PSP, SCE has yet to reveal specifics on what features will be accessible from the XMB. The conceptual image of the interface, shown to the right, has main categories for Photos, Videos, Music and Games. The photos, movies, music and even games sections lead to a memory stick icon, suggesting users will be able to access specific functions off their memory stick in all of these features (if this prototype model is a working model and not just a sample, although the XMB sample did have UMD pop up only in the games section, suggesting that the system had already recognized a UMD Game loaded into the system). Also of note is the showing of a photo option -- the ability to use PSP to browse digital photos is a new feature for the system, and with the widespread availability of Memory Sticks (although the PSP's Duo models are more rare than the regular sticks), that kind of feature could come in very handy, especially on PSP's gorgeous and giant screen. A time/date stamp and a battery indicator are also shown on the concept image. You can see a video of the XMB interface running by checking out SCE's PSP System Preview Video
Having used the XMB extensively with the PSX, we can vouch for its user-friendliness. We can't wait to try it out in action on our PSPs later this year in Japan (or early next year in America).


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Understand different ways organizations interpret what customer advocacy means and how it is implemented. Hear examples of how different companies approach customer advocacy. Identify the five traits all successful customer advocacy initiatives have in common.
- One way to understand how different organizations…interpret what customer advocacy means…is to look at how they implement it internally.…At the most basic level some organizations…designate individuals to be customer advocates.…Much like patient advocates in a healthcare system…they help customers who have unique or urgent needs…navigate the organization's departments and processes.…In a common variation we've all had experiences…where an employee went above and beyond to help us.…
Another approach is to establish a customer advocacy team.…Or a tier within customer service.…In addition to helping customers resolve problems…this team often works with the broader organization…to identify and prioritize needed…improvements to products, services and processes.…CA technology is a large software providers…recently changed titles of their…customer service agents to Customer Advocates.…This was part of their effort to change the mindset…and to empower employees to truly solve problems.…
A third approach is to establish a central team…
- Identify the benefits of customer advocacy.
- Identify traits of successful customer advocacy.
- Discover ways to understand your customer.
- Evaluate results from a customer advocacy program.
- Determine how to turn customers into brand advocates.
- Assess how to develop a culture of customer advocacy.


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My Beautiful Struggle
The Lighthouse
Waiting on Superman
Blogger Talk: Novel Exposed: Discussion Post & Giveaway for A Temptation of Angels
Blogger Talk: Interview & Quotes for A Temptation of Angels by Michelle Zink
My 1 Year Blogoversary!
Tour Interview: Divergent by Veronica Roth
Guest Post & Giveaway: Sleight by Janenifer Sommersby
Interview & Giveaway: Rage by Jackie Morse Kessler
Tour Interview: Playing Hurt by Holly Schindler
Interview & Giveaway: The Iron Thorn by Caitlin Kittredge
Interview & Giveaway: Miles from Ordinary by Carol Lynch Williams
Interview: Author Ned Vizzini
Review: Then I Met My Sister by Christine Hurley Deriso
Tour: Interview & Giveaway: Invincible Summer by Hannah Moskowitz
Review: Falling Under by Gwen Hayes
Guest Post & Giveaway: The Ylem by Tatiana Vila
Kiddie Korner: Say Hello to Zorro!
Indie Authors Relief Fund: Help Japan


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The Oro Valley Music Festival outside of Tucson, AZ is still cutting its baby teeth with their fourth annual outdoor music festival on Oct. 13-14. The first day is a country music day and the next day is rock music day. The location has been changed to Naranja Park, but all of the great music remains the same.
Singer and songwriter, Chris Young headlines the first day. Young is presently involved in his worldwide 'Losing Sleep Tour' that continues through December. The country balladeer has garnered more than his share of accolades. Most recently Young was inducted into the Grand Ole Opry.
Young is particularly known for his repertoire of romantic ballads that can melt women's hearts. His live shows are complete with beer drinking songs, rock and roll rumble songs, and acoustic numbers. His charm is plenty enough to pull off a set of mid-tempo chart stoppers in an arena setting.
Cassadee Pope has sung a duet with Young and she will be on the bill on the same day. High Valley, Danielle Bradbery, and local artist Mat Farris will be there as well.
Rock band O.A.R. is in the middle of their 'Just Like Paradise Tour' and managed to include the festival on their busy schedule. The band formed in the late 90s and they have built their momentum over the years. Today the musicians in the band are at the top of their game.
Marc Robarge's vocals are still crystal clear. Saxman Jerry DePizzo, throws the fans into a frenzy with his tenor and baritone saxophones and his stage presence. Joe Lampley on trumpet also has some alluring moves. The entire band can cast a spell on fans as often seen by cheering and dancing.
O.A.R. will be joined by Switchfoot, Mat Kearney, A Great Big World, and Max during the second day. Both radio stations, 97.1/Bull and My 92.9, have a knack for picking entertainers for the festival that are very popular on today's radio.
This is a charity event with a portion of the proceeds going to the Checkered Flag Run Foundation and other local beneficiaries.
For more information on the Oro Valley Music Festival, click here.
AXS is ticketing many Chris Young events this fall. (Tickets)


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148 Skyline Ln. , Huntingdon, Tennessee, 38344
0.6 Acres
1,798 SqFt
3 beds
2 baths
3BR / 2 BA, Ranch-Style home located in a desirable neighborhood in Huntingdon,TN. Nestled on a gently sloping, and wooded lot just outside the city limits, but with all the public amenities such as gas, water, and sewer. Floorplan of the home contains over 1700 sq. ft of heated and cooled living space with both living room and den. Features include: gas log fireplace, hardwood floors, and beautiful crown molding. Kitchen includes all of the appliances, and has seperate eat-in area. Nice deck on the back of the home is a great place to relax in the mornings or afternoon. Backs up to a vacant area, currently providing an ample amount of privacy to the property. Very versatile home, great for first time buyers, or downsizers. Plenty of parking for guest. Double Car Covered Parking with utility room handy for storing tools, or supplies. Located in a USDA Rural Development Area, meaning 100% Financing for qualified buyers. Don't wait to book a viewing of this immaculate home.
Bradley Arnold


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THE police officer who was caught on camera pointing a gun at a motorist last July 26 was identified by the National Capital Region Police Office (NCRPO) on Friday.
NCRPO Director Maj. Gen. Guillermo Eleazar identified the suspect as Master Sgt. Wilson Aquino of the Tactical Motorcycle Reaction Unit of the Quezon City Police District (QCPD) Station 3.
The NCRPO acted on the complaint filed by the motorist identified only as "Robert," who personally went to Eleazar's office.
Robert was driving along Commonwealth Avenue at around 2:30 p.m. on the said day when a white sports utility vehicle (SUV), with plate number ABA 1201, abruptly entered his lane, but he did not give way.
Upon stopping, Aquino stuck his head out of the SUV's window and pointed his gun at Robert's direction. Aquino then approached the motorist, brandishing a shotgun and asking for his driver's license.
Charges of grave threat and oral defamation will be filed against Aquino before the Office of the Quezon City Prosecutor.
Aquino is currently on leave until August 20, but the Criminal Investigation and Detection Unit of the QCPD will take his statement for the investigation and evaluation of the incident.
"We are here to serve and protect, not to intimidate or threaten our citizens. This will serve as a lesson for everybody at nagpapasalamat ako dahil na-expose ang mga pulis na abusadong ito (And I'm thankful that these abusive police officers were exposed)," Eleazar said.


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Seeing examples of something is the easiest way to decide if you like it or not. One of the most important suggestions to home owners looking to renovate I make is look at as many examples as you can of your bathroom layout as possible. Now I'm not saying overwhelm your self I mean it more in a way of picking up things you like and you don't like. The purpose of this series is 1. everyone loves seeing a transformation and 2. seeing a transformation that is the same or similar layout to yours makes the world of difference. If you missed the first series Click Here. It covers the same layouts as below except with a freestanding bath.
Kingsley Bathroom Renovation
These awesome owners of this bathroom in Kinglsey were looking to get the deepest bath possible for the space while making the room more efficient.
Wendy Wood Grain All Draws Vanity
Decona Deep Drop In Bath
Luxe Moveable Bath Spout
Southern River Bathroom Renovation
The window for this bathroom was so big and the room would get so hot the owners really needed it made smaller.
Wendy Wood Grain All Draws Vanity
Ceiling High Mirror Cabinet (Wendy)
Spin In Wall Vanity Mixer
Bathroom Renovation Eden Hill
This bathroom does not use the nib wall like the other bathrooms in this series. This is an example of the owner choosing the gap instead if you want the pros and cons of the gap v nib wall click here.
Glacier 300mm x 600mm (Floor and Feature)
Deluxe Drop In Bath
Methven Sliding Ocean Rail
Bibra Lake Bathroom Renovation
This bathroom is an example of the classics of black and white just working
Highgrove Matt Black Tapware
Storm Stone 300mm x 600mm Tiles (Feature)
Sparkle Black Stone Top
Carine Bathroom Renovation
This bathroom is an example of why you should never put tile paint on the floor
Vivid Slim Line Tapware
Dark Forest Grey 300mm x 600mm (Floor and Feature)
Alpine Mist Cesarstone Toop
Bathroom Renovations Success
Hobless showers like this allow for a cleaner look on the floors. The key to hobless showers is to have the tiling spot on so the water does not run out. A key note is to remember semi frameless screens are the best for hobless showers.
Undermounted Stone Basin
Tile Insert Drains
Opal White 300mm x 600mm Walls
Bayswater Bathroom Renovation
The large wall really closes in this bathroom and the owners were looking to open up the room with the removal of the wall and a less framed shower screen.
Custom Made Semi Frameless Shower Screen
Galaxy Black Stop Top
Carrara Marble Walls 300mm x 600mm
Leeming Bathroom Renovation
David wanted all draws for his bathroom so he could have a vanity that was more practical. The frameless shower screen was to also add a touch of class for the renovation. David also elected to have a nib wall that was outside the shower.
Custom Made All Draws Vanity
Frameless Shower Screen
Duel Handheld and Overhead Separate Outlets
Atwell Bathroom Renovation
Window features walls are great for creating height in a bathroom without overdoing it with another tile.
Dark Wedge Vanity 900mm
Tile Insert Drains
Shower Combo (CAE)
Canning Vale Bathroom Renovations
The owners of this bathroom wanted the floor to make an impact but also run that feature up
Charcoal Vanity 900mm All Draws
Tile Insert Drains
Shower Combo (CAE)
Bibra Lake Bathroom Renovation
For this bathroom renovation the owner wanted a more stream line version of he old bathroom and get away from the brown!!
Custom Made Ice White Top With Dog Leg
Vanity Height Nib Wall
Empire Grey 300mm x 600mm Floor
Canning Vale Bathroom Renovations
The owners of this bathroom renovation wanted an island bath which is not the most common type of bath due to the amount of space it uses.
Island Bath
Beige Stone Top
D'Caliza 300mm x 300mm Floor (Glossy But Anti Slip)
Nollamara Bathroom Renovation
Forsted shower screens are great for cleaning but do sometimes narrow a space of a room feeling like a wall.
Pro Tip - Frosted shower screens are great for someone who does not want to clean the shower screen.
If keeping your budget down is your plan these examples are the best at that. They keep the plumbing where it is and just makes the room better. Generally the most expensive aspect will be the custom made screen but one way to avoid that is do a pre made screen with a gap between the vanity instead of a nib wall. What you should keep in mind though as some pre made screens are generic and the tiling needs to be spot on to accommodate these products.
For a complete breakdown of Family Main Bathroom renovations CLICK HERE
Its important to note that all our advice is general in nature and all bathrooms are unique so always speak to your local qualified tradesman for the best advice. At on the ball bathrooms we love feedback so let us know what you think with a comment below or if you are looking for a bathroom renovation quote and live in Perth, Western Australia contact us on 0419964678 or email us at email@example.com
If you like the article and want to get all the latest updates or see all our before and after show us some love with a like on Facebook
For More DIY Tips For Renovating Your Bathroom Visit:
Our Videos: Click Here
High-resolution examples of all projects: Click Here
Keep up with us on Instagram: Click Here
Start Pining and Putting Your Dream Bathroom: Click Here


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6 Vital Keys To Learning The Piano: Unterschied zwischen den Versionen
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Further, it's also potential to adjust brightness, saturation and contrast with ease. Wevideo gives you a video editor cell app also which you should use with ease. It could easily handle the utmost file measurement of 500MB and permit customers to entry any well-liked media file format with ease. If you beloved this post in addition to you desire to acquire more details relating to online best streaming music (visit the site) generously visit our web site. In this article we're going to discuss prime 10 most advisable best free on-line video editing solutions which you can access on-line. It is free to use and you'll entry all advanced features even with out buying any license. So, you may also use a 4Shared app to search and download your favourite observe. The shareware business has an excellent monitor record offering products which have been checked totally for viruses. It is should for any artist to sign report offers and labels to get a break for their profession. Sign up for the service. However, you want to enroll together with your Google account or Facebook account first earlier than utilizing this all-in-one on-line video editor. You may upload movies from computer or by way of Dropbox, Google Drive or URL immediately. Custom details for the pc set-up may be discovered on the web.
Now you can edit videos online without downloading any program on your Windows or Mac computer - all you require is a decent community connection to the internet. All you want proper now is an effective laptop system and bingo you're a video editor. With this on-line video cutter, you possibly can simply rotate the videos to 90, 180 and even 270 levels, crop them, trim or apply a number of skilled style enhancing features to create incredible initiatives. What I like about this on-line video enhancing software is that you simply don't must register to make use of it and there can also be no watermark in the saved video. Note: in the free trial model of Filmora9, there shall be a watermark like most on-line video editors listed under. There's a inventory library which offers both paid and free video and audio information, so you possibly can select based in your state of affairs. Its vast in-constructed library permits user to decide on the most effective among thousands to yield higher outcomes. Besides, on-line video modifying soultions may be not the best choice for those who want more advanced enhancing choices and beautiful video effects.
But it would be greater if this online device can integrate some music and results as well. Although they're highly lauded for the standard of the sound they produce, probably the most complaints should do with the fact that the music is paused or stuttered if the items are jarred. Artists on YouTube have traditionally received lowest quantity. But you're allowed to use all the options and effects and save it to your laptop or share it on YouTube or Vimeo directly. Just download it to have a try to expolore the editing features, plentiful results and presets. With the creation of social video sharing networks on-line like YouTube, Vimeo, Instagram and Vine, enhancing and making videos stopped being the unique area of execs. Just select a template, customise your video and share with associates immediately. It supplies you a versatile process to decide on, create, edit and share video instantly. Though some online video enhancing tools listed under offers free trial variations, if you might want to download the video, you might have to improve your free plan to the paid version. However, if you happen to add a emblem to your footage, you could must upgrade to the Paid version.
And the free version is limited to export on the 480P SD decision with no watermark. And some of free versions will go away a watermark in your video footage in 480p high quality. You possibly can select totally different aspect ratios equivalent to 1:1, 9:16, 4:Three or 16:9, and it additionally provides a constructed-in information so you can also make a video with it simply. Currently, you possibly can solely flip Autoplay off on playlists you create yourself. 295 watch (for the HR-enabled stainless steel model I examined) you may. The standard is not going to be there so that you can take pleasure in and worst a part of it is that, the channels they supply are few; chances are you'll not even get your favorite channels to look at. You need not disparage since there are a lot of Dallas motorcycle accident attorney who will battle your case with out taking money from you. "Earth will likely be modified perpetually when Amazon introduces top quality streaming to the masses," he stated.


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The Pool Cafe is a quick service restaurant located in Alipore, South Kolkata. It has a bright outlook and a perky atmosphere. It serves delicious tasting Fast Food dishes. The rates at The Pool Cafe are affordable and the staff here is cordial and polite, adding to the overall experience.
Cafe, QSR
500 for two people
Checkout these great restaurants
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Renewable Energy Insurance Broker is proud to announce a new PV package for investors, banks, O&M contractors for PV installations in Bulgaria. Our complex product include better prices for insurance and security. If you are interested in saving money and get high quality service, please contact us for more details.
Global PV market is set to increase its installed capacity to 294 GW in 2016, Globaldata by PHOTON
The global PV market is set to increase its installed capacity from around 225 GW in 2015 to 294.69 GW in 2016, and will see China remain the world's largest market for annual PV installations, according to British research and consulting firm Globaldata. The company's latest report »Solar Power Market Update« states that China installed 15.13 GW of new installed PV capacity in 2015, with cumulative capacity reaching 43.48 GW by the end of 2015. The country's PV installed capacity has increased around 13-fold since 2011.
»In the first quarter of 2016, China added a total of 7.14 GW of PV capacity, of which 6.17 GW accounted for solar PV power plants, and 970 MW for distributed PV,« said Ankit Mathur, Globaldata's Practice Head covering power. »In the first half of 2016, a rush of solar PV installations was witnessed, as PV power projects which were connected to the electricity grid prior to June 30, 2016 will be entitled to reap benefits from higher 2015 solar feed-in tariffs.«
China's 13th Five Year Plan sets the 2020 solar PV target at 150 to 200 GW. The country intends to attain a non-fossil fuel renewable energy consumption of around 15 percent by 2020 and 20 percent by 2030.
© PHOTON - http://www.photon.info/en/news/global-pv-market-set-increase-its-installed-capacity-294-gw-2016-globaldata
Renewable Energy Insurance Broker will visit SPI Las Vegas 12-15 Sep
Renewable Energy Insurance Broker will attend on Sower Power International (SPI) trade show 2016 in Las Vegas 12-15 September. SPI is North America's premier business-to-business event for more than 15,000 professionals in solar energy. That's the place for unique networking opportunities to expand our business in USA. So if you are planning to visit the event feel free to contact us and arrange a meeting to discuss our special solar insurance package.
REIB is announce a new PV package insurance
Renewable Energy Insurance Broker with new solar insurance product for Bulgaria and Romania
Mr. Iliev we first got in touch with you to tell us about the new insurance product for photovoltaic installations?
I am pleased to present the long-awaited specialized insurance product for PV plants which we have developed with colleagues from a local insurer in Bulgaria. Loss of income for solar parks is already on the insurance market.
What exactly do you mean?
To explain you better I will give you next example: We have a PV plant and claim caused by overvoltage/short circuit, leading to a partial failure for 23 days.


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