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With tuition costs skyrocketing, it is important that parents start saving early for their children's educations. Section 529 plans may be the answer.
(For specific matters pertaining to your income tax return, please speak to a financial advisor or an accountant. This article is for general information purposes only.)
Title 26, Subtitle A, Chapter 1, Subchapter F, Part VIII, Section 529 is the proper way to refer to the laws governing Qualified Tuition Programs (QTP's), but most people just call them Section 529 plans. Every state has at least one, and you aren't limited to using the plan in your own state. These are savings plans for college tuition to which many people may contribute for the benefit of a single person. Parents, grandparents, aunts and uncles, even brothers and sisters can all pitch in to help pay for college some day in the future. There are several rules for what qualifies as a Section 529 plan, of course.
1. A qualified tuition program must be run by a state government, or one of its agencies, or by one or more eligible schools. In the state run programs, people can make contributions to a special account that is designed specifically to be used to pay for tuition and other education related expenses. The contributions can be used at virtually all colleges, universities, and vocational schools. Programs run by the schools allow people to buy tuition credits for future use at that particular school.
2. QTP's must only allow cash contributions. All contributions must be on the spot, no stocks or bonds, although you may be able to roll U.S. savings bonds into a 529 plan.
3. Contributors to these programs can not direct the investment of the funds, and neither can beneficiaries.
4. Interest earned on qualified tuition plans may not be used to secure a loan.
5. 529 plans must have measures in place to ensure that excess contributions are not made. Excess contributions are those that are greater than the beneficiary would need for standard education expenses.
6. The plans must have separate accounting for each beneficiary.
There are many benefits to 529 plans. Money contributed to a QTP is tax-deductible, and distributions made to the beneficiaries are not considered income. This is a nice tax break at both ends. Many people can make contributions to the same plan, so the money for college is all in one place. The contributors have control of the funds, not the beneficiaries. They can switch beneficiaries within the same family at any time, and some states may even allow the funds to be revoked from the plan (generally with penalties). Plan funds can be rolled over into a new QTP for the same beneficiary or for any member of their family without being subject to taxes. It can be very easy to contribute, too. You may be able to contribute through payroll deductions. There's even at least one credit card that will deposit rebates on purchases into a 529 plan for you.
Some of the drawbacks to 529 plans include the lack of choices for where the money is invested, the inability of the contributors to withdraw the funds without penalty, the high fees (plan enrollment, management, and maintenance fees, for example), and the poor disclosure requirements which make it difficult for contributors to see where their money is really going.
On September 30, 2004, the Senate Committee on Governmental Affairs held an oversight hearing on Section 529 plans. Senators Peter Fitzgerald (R-IL) and Daniel K. Akaka (D-HI) addressed the Committee, suggesting possible changes in the structure of 529 plans. QTP's often invest the plan assets in mutual funds, and the Senators are asking if 529 plans should be subject to the same Security Exchange Commission regulations that the mutual funds are. As of this writing, nothing has been decided on the matter.
With tuition costs skyrocketing to the point where the College Board estimates the cost of a college education at $112,000 for public university in 2020, it is vitally important that parents start saving early for their children's educations. As with any investment strategy, however, Section 529 plans are not the right answer for everyone. To be certain that your money will be put to the best use, talk to a financial advisor or accountant. They should be able to help you come up with the best plan for your future.


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subset: commoncrawl


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MOMMY MAKEOVER AT ADVANCED BODY SCULPTING OF NEW ENGLAND What is a Mommy Makeover?
A Mommy Makeover is the combination of several cosmetic procedures at Advanced Body Sculpting of New England with the goal of restoring a woman's body to her pre-pregnancy days. The Mommy Makeover typically includes a tummy tuck, breast augmentation with lift (if necessary), tumescent body liposculpture, and vaginal rejuvenation (if necessary). The effects of pregnancy and/or breastfeeding can include the stretching of the skin, increased fat deposits, stretch marks, weakness of the abdominal wall (diastasis rectus), deflation and or drooping of the breasts(ptyosis) and stretching out or widening of the vagina. The effects are cumulative and cause a woman to feel insecure about the loss of her youthful figure.
Who's a good candidate for a Mommy Makeover in Massachusetts?
- Women who are finished with childbearing
- Generally in good health up to age 65
- Non-smoker
- Desires aesthetic restoration of the breast, abdomen, flanks, thighs
- Desires restoring her figure to pre-pregnancy days
The Goal of Mommy Makeover
For our Fall River Mommy Makeover, as with every cosmetic procedure, Dr Mark X. Lowney listens to your concerns in order to individualize a care plan to meet your specific aesthetic goals. Only then will he recommend the best treatment options available. His ultimate goal is your satisfaction and to improve your natural appearance without any obvious signs of surgery. Through meticulous attention to detail all scars are well hidden and minimally invasive techniques are performed whenever possible to give you the best results with the least amount of downtime


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Nick Meyer is CEO of Sierra/Affinity, a production, finance and international sales company which he founded in June 2009. As CEO, Meyer oversees the company's own productions, as well as a robust practice representing sales of third-party productions at all budget levels with some of the biggest filmmakers and talent in the industry. Sierra's recent productions include the Focus/Universal release ATOMIC BLONDE starring Charlize Theron, and the upcoming Netflix action-thriller HOW IT ENDS. The company has most recently completed sales of the worldwide rights outside of North America for the Awards contender SPOTLIGHT; I, TONYA; and MOLLY'S GAME, as well as MANCHESTER BY THE SEA; NIGHTCRAWLER; WHIPLASH; FLIGHT; THE PLACE BEYOND THE PINES, DRIVE; and THE CALL, among many others. An industry veteran with over two decades of experience, Meyer served as President of Paramount Vantage through December of 2008, and joined Paramount in 2006 as Co-President of Vantage where he oversaw the releases of the Academy Award®-recognized films BABEL, NO COUNTRY FOR OLD MEN, and THERE WILL BE BLOOD. Previously, Meyer served as President of International for Lionsgate. While at Lionsgate, Meyer was directly involved in the co-production of the Academy® winner HOTEL RWANDA, the launch of the SAW franchise and the corporate acquisition of Redbus, now Lionsgate UK. Meyer is an AMPAS member, sits on the board of Sinai Akiba Academy, and serves on the board of Big Brothers Big Sisters of Greater Los Angeles (BBBSLA). He holds a BA from Wesleyan University and an MA from Middlebury College, speaks five languages, and currently resides in Los Angeles with his wife and three children.
Craig Emanuel is the chair of Paul Hastings' global Entertainment and Media practice and is based in the Century City office. He is a seasoned entertainment lawyer and is widely recognized in the industry as an innovative dealmaker and efficient problem-solver. Having been involved in the production, development, and distribution of hundreds of motion picture and television projects, Mr. Emanuel has built his career by bringing together the right artists and business partners to translate creative vision into on-screen reality.
Mr. Emanuel works with high-level writers, directors, actors, producers, and production companies to navigate studio and independent film, television, and digital opportunities in an evolving entertainment landscape. In addition to negotiating top-tier talent agreements, he handles domestic and international transactions across all platforms, helping to create strategic alliances for clients by advising them on complex digital media content licensing arrangements, as well as on film and television investments. His diverse experience also includes the creation and launch of a new television network and work with advertisers and media clients on branded entertainment projects.
Clients value Mr. Emanuel's hands-on approach, calm and composed nature, and dedication to finding a solution to any conflict. His dealmaking has been recognized by The Hollywood Reporter's "Power Lawyers Top 100" list, Variety's "Dealmakers Impact Report," Chambers USA, and other industry trade publications and legal directories. Mr. Emanuel's approach and dedication extend beyond his legal career to his role on the advisory board of Chrysalis, a non-profit organization dedicated to providing the resources and support needed for homeless and low-income individuals to find and retain employment.
Rachel Bookstein, Co-Founder Pico Shul, is past Executive Director of Long Beach Hillel, considered one of the most innovative Hillel's in America. Rachel is a graduate of UC Santa Cruz, and completed her MA in Jewish studies at Oxford University. She served as Director of Community Development in Poland, for The Ronald S. Lauder Foundation from 1998-2001. In Poland, Rachel inspired and educated a new generation of Polish Jewry. Together with her husband Yonah, she founded the Warsaw Jewish Book Fair in 1998, now one of Poland's largest cultural festivals, and a dozen other programs in Poland, England, and California. Rachel's dedication to providing educational opportunities, and empowering women in former communist Eastern Europe, made her a leading Jewish figure in Polish Jewish rebirth. In addition to Pico Shul, Rebbitzen Rachel is program director for Shabbat Tent.
Rabbi Yonah Co-Founder Pico Shul, has worked with Jewish communities across the globe inspiring a rebirth in Jewish communal life. Rabbi Yonah was Director of the Ronald S. Lauder Foundation in Poland 1998-2001 which culminated ten years of dedication to the rebirth of Polish Jewry. He later served as campus rabbi at Long Beach State and UC Irvine and then running JConnect & Jewlicious in Los Angeles. The Forward has called Rabbi Yonah one of the "game changers" in American Jewish Life. He was named a Jewish Community Hero by the Jewish Federations of North America, and one of the Top Ten Jews in Social Media by NJOP. Rabbi Yonah is the most followed congregational rabbi world-wide on Twitter and blogs regularly on HuffingtonPost and Jewish Journal. Rabbi Yonah is a graduate of Ohr Somayach Monsey, Oxford University, Jagiellonian University, and The University of Oregon. In addition to his work with Pico Shul, Rabbi Yonah is Alevy Rabbi-in-Residence at USC Hillel and director of Shabbat Tent.
Dr. Ruth Westheimer may best be known for having pioneered talking explicitly about sex on radio and television, but as it turns out, that is only a small part of her rich and diversified life. Born in Germany in 1928, Dr. Westheimer was sent to Switzerland at the age of ten to escape the Holocaust, which wiped out her entire immediate family. At the age of seventeen, she went to then Palestine. She joined the Haganah, the Israeli freedom fighters, was trained to be a sniper and was seriously wounded in a bomb blast. She later moved to Paris to study at the Sorbonne and in 1956 went to the U.S. where she obtained her Masters Degree (M.A.) in Sociology from the Graduate Faculty of the New School of Social Research and Doctorate of Education (Ed.D.) in the Interdisciplinary Study of the Family from Columbia University Teacher's College.
Her work for Planned Parenthood led her to study human sexuality under Dr. Helen Singer Kaplan at New York Hospital-Cornell University Medical Center, where she became an Adjunct Associate Professor. Subsequently, she taught courses at various institutions of higher learning including Princeton and Yale. She currently is teaching a course at Columbia's Teachers College and Hunter College. She continues to lecture worldwide.
She is the author of 44 books, the latest of which are Stay or Go and Roller Coaster Grandma and the executive producer of five documentaries. She has her own web page (www.drruth.com.) and can be found on Twitter @AskDrRuth and on YouTube. A one-woman show about her life, "Becoming Dr. Ruth" has played in the Berkshires, Hartford and off-Broadway and continues to tour. And a documentary about her life has been made, Ask Dr. Ruth, which will premier on January 25th at the Sundance Film Festival and will be shown in theaters and then on Hulu. Dr. Westheimer, a widow, has two children, four grandchildren and resides in New York City.


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True sheriff mobile
Categories: | Published by: admin
Play True Sheriff mobile from Betsoft Mobile for free
About True Sheriff mobile
True Sheriff is fun video slot with 5 reels, 3 rows and 30 paylines. It has an impressive RTP of 97.03%. The gun icon, positioned at the centre reel, allows the player to get up to five Wilds, which causes the Sheriff to start shooting up to five coins that become Wilds.
You will unlock the Showdown Bonus game when a combination that features Sheriff on the 1st reel plus the Bad Guy on the 5th reel, while the three gun icons appear on the active paylines across the 2nd, 3rd and 4th reel.
During the game, you will try to guess the result of the coin toss then you will be awarded for all the correct predictions. Give True Sheriff a spin for free.


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"Indian Industrial Production Unexpectedly Fell in September"
– Bloomberg, November 12
"Economic output in the Eurozone fell 0.1 percent in the third quarter, following a
0.2 percent drop in the second quarter."
– Reuters, November 15
"China's vehicle sales fell for the sixth straight month in October."
– Bloomberg, November 14
"Investment Falls Off a Cliff"
– Wall Street Journal, November 18
This story included that U.S. companies were cutting spending plans because of
"fiscal and economic uncertainty".
Then there are two gems that really mark growing uncertainty:
"Krugman: Bring Back the 91% Tax Rate"
– The New York Times, November 18
"Treasury Secretary Geithner: Lift Debt Limit to Infinity"
– CNS News, November 19
Harvesting headlines is usually interesting and sometimes riveting. The first ones indicate a
slowing global economy – despite unprecedented stimulation, corporate bailouts and "fixing"
of any number of countries.
The problem in any post-bubble contraction is that in the mania debt was eagerly expanded to
an amount that can't be serviced even by a strong economy. The debt burden seems to be the
main reason that post-bubble recessions are severe and recoveries are weak.
The last two headlines suggest that the establishment is discovering that massive intervention
is not prompting a strong business expansion. The proposed remedies of higher tax rates and
unconstrained issuance of treasury debt indicate that confiscation of wealth and earnings is
changing from a hidden to an open agenda. Intellectually pathetic and fiscally tragic.


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First the cold hard facts: There are roughly 70 million stray dogs and cats in the U.S. at any given time. That works out to five homeless animals for every one homeless person living on the streets. These animals live in our cities, suburbs and rural neighborhoods. And for many, the food and shelter that they find during the winter will mean the difference between life and death.
Chances are, you have seen a few of these dogs and cats living outside in your own community. With cold weather approaching and a polar vortex in the forecast, it may be time to help. Read on to learn what you can do to help homeless dogs and cats survive the winter.
Call it in. The first thing you should do when you spot a homeless animal on the street is notify your local authorities. They may already know about a feral cat population in the area. (Feral cats are not always discouraged because they keep rodent populations in check in urban areas, but rescue centers will usually step in to spay or neuter the animals to prevent overbreeding.) Most animal shelters will usually make an effort to pick up stray dogs — but it may take several days or weeks for them to do so.
Should you bring her home? Just because the animal shelter knows about a stray dog or cat does not mean that they will be able to pick the animal up immediately. And just because a cat is feral doesn't mean that she is any better equipped to survive a sudden cold snap. If you are able to take on the long-term commitment of caring for an animal and if you feel safe doing so (and if the animal feels safe coming to you), then you might consider bringing the stray animal home. Just make sure your first stop is with a veterinarian who can assess the animal for diseases and make sure that it is immunized and safe to be around your children or other pets.
Provide shelter. If bringing the animal home is not an option, you might be able to help him survive the cold by providing shelter such as a sturdy cardboard box lined with straw. Don't bother with towels and blankets as these will get wet in a storm and freeze.
Food and water. Providing stray animals with fresh, clean food and water can help them survive the cold because they will need to use less energy to scrounge up their dinner. A well-fed animal is also better prepared to fight off illness and infection. Steer clear of canned food as it is more likely to freeze when the temperatures drop. And check on water sources frequently for the same reason.
Unfortunately, no one person can help save all of the stray dogs and cats in the world. But with a little effort and compassion, one person can help at least one stray animal through the dark, cold days of winter and hopefully on to better days ahead.


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Advisory Board
Ronald Schrager
Ron Schrager is an Advisor to LEÓN, MAYER & Co.
Mr. Schrager is a principal of Eightfold Real Estate Capital, L.P., a private equity firm he co-founded in 2012 that is primarily focused on investments in high-yielding debt backed commercial real estate. Previously, Mr. Schrager was the Chief Operating Officer of LNR Capital Corp., a leader in CMBS investing and special servicing and served as the Co-President of its Real Estate Finance & Servicing Group which is primarily focused on CMBS special servicing, CMBS investment and joint venture activities. He became a member of the Board of Directors of LNR in February, 2005 and served as its Chief Operating Officer from 2003-2011. Mr. Schrager originally joined the predecessor company to LNR, Lennar, in its Real Estate Investment and Management Division in 1992 and has had a major role in growing LNR into a worldwide market leading real Estate firm. During his nearly 20 year tenure, he was involved in nearly all of the firm's activities, including due diligence for new acquisitions, portfolio financing and securitization efforts, opening and managing regional offices both domestically as well as in Tokyo, Japan.
Mr. Schrager joined Lennar from Chemical Bank where he served as Vice President and focused on restructuring troubled loans.
Mr. Schrager holds an M.B.A. from Harvard Business School and a B.A. from the University of Pennsylvania where he was elected to Phi Beta Kappa.


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How to Nap Effectively
If your body is not getting enough sleep each and every night, your performance is going to suffer. You are going to have a difficult time enjoying your life when you need sleep but can't get enough of it. Taking a nap during the day could energize you for the rest of your day and help you maximize your performance. This infographic by Smithapat shows how to nap effectively:
1 Comment
The infographic looks good, but it certainly does not apply to all people. I simply close my eyes and fall asleep anywhere at any time. I have no problem falling asleep while sitting on a crowded and noisy bus.


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Soccer Sunday
On Sunday 23 September the prestigious house football took place and it was a real crowd pleaser.
It was a display of positive energy showing fantastic team effort and cohesion across both the girls' and boys' tournaments, with 62 matches played and a total of 118 goals scored.
It was a delight to see a number of different houses winning tournaments across the age groups. A particular highlight was watching the unbeaten Hunter girls winning the senior competition with ease and only conceding a single goal. The A2 Salisbury boys pulling off a shock victory against Portman in the very last game of the day kept the suspense growing and resulted in a three-way tie between Connaught, Portman and Salisbury. However, Connaught were crowned the champions due to the goal difference.
In the junior boys tournament, Beechwood and Cranborne challenged one another in two thrilling matches, which resulted in Cranborne taking the victory with a 10-7 win. The full set of results are as follows:
- A2 boys: Connaught (on goal difference)
- A3 boys: Portman
- B/C boys: Portman
- D boys: Cranborne
- A2/A3 girls: Hunter
- B/C girls: Hunter
- D girls: Purbeck


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New York officials signed a $32 million five-year contract with Pearson PLC 's subsidiary, NCS Pearson Inc., in 2011 for its Common Core test merchandise. Pearson, a British consortium, is the world's most influential purveyor of educational supplies and holds numerous contracts with New York and other states. Texas, for example, is paying Pearson $462 million for its five-year contract.
Unknown at the time, the Pearson/New York agreement stipulated that the 2014 spring exams would be classified and not subject to public review or educators' criticism. In response to Elizabeth Phillips' April 10 NYT's Op-Ed "We need to Talk About the Test ," Pearson says that the state is responsible for the gag order.
Public funds paid for the Pearson contract so it is unlikely that if challenged the suppression order will withstand judicial scrutiny but it is concerning that one or both of the parties believed they could stifle free speech.
The Washington Post revealed last year that Pearson has an unsatisfactory performance history. Alan Singer amplifies the company's failings on the Ravitch blog.
Mr. Singer shares the following sobering information regarding Pearson:
Pearson Education owns the publishers Adobe , Scott Foresman , Penguin , Longman , Wharton , Harcourt , Puffin , Prentice Hall , and Allyn & Bacon . They are deeply involved in test assessment producing the National Assessment of Educational Progress , the Stanford Achievement Test , the Millar Analogy Test, the New York City special high school admissions test, and the G.E.D . Through interlocking boards of directors, partnerships, and donation's from the company's foundation, they have developed relationships with the largely online University of Phoenix , Teach for America , Stanford University, the National Governors Association, the Council of Chief State School Officers, and the Gates , Lumina , Broad , and Walton Foundations.
The American Legislative Exchange Council [ ALEC] chose the National Governors Association and the Council of Chief State School Officers as its Common Core sales agents. ALEC favors privatizing public education.
The Bill and Melinda Gates Foundation aligned with the Pearson Foundation in 2011 to pursue its Common Core mission. In December 2013 NY Attorney General Eric T. Schneiderman , collected $7.7 million from the Pearson Foundation following his allegations of improper use of charitable funds.
It appears from various news sources that Common Core gag orders exist outside the state of New York. An example is the testimony of Susan Kimball, a Missouri kindergarten teacher. Ms. Kimball told state senators in March:
I have been strongly discouraged from saying anything negative about Common Core by my administration and some school board members.
In a professional development meeting, um, inservice in November, and at a faculty meeting in January, we were told in my building, and I quote, 'Be careful about what you post on Facebook, or talk about in the public regarding Common Core. Don't say anything negative. It could affect your job.'
Unless we the people say "This shall not stand," the Common Core cartel will control every facet of the American education system.


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Salix Integra
I have a Salix integra, which is about 2 months old. It started off fine but now it has a lot of black dots running up the middle of the green leaves and the white/pink leaves are going brown and dry. It is on the patio near the house and gets about 4-5 hours of sunlight. I bought this as a birthday present to myself. I really do not want it to die. What can I do? Please help.
Most likely a black spot fungus.
Neem Oil is a good treatment.
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If you don't have an account sign up for an account now.


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By: Frank Armstrong, CFP, AIF
I often encounter investors that still believe that the most important criteria for selecting an investment manager is past performance. This can lead to some mighty strange encounters. They look at me as if I were just a few bricks short of a full load when I tell them that past performance is useless information. "Performance is all there is!" they say, with more than just a little irritation, impatience and condescension.
I hear myself in those words. That was me just a few years ago. I assumed that investment management skill was like landing an airplane or hitting a tennis ball. Selecting individual stocks with greater than average potential, and avoiding market turndowns could be learned. Some folks could master these skills, and the few masters would be evident to all. Of course, the primary indication of investment management genius should be past performance. Finally, superior past performance should be a reliable predictor of above average future performance. Any fool can see that. Right?
It turns out there is a simple test for this hypothesis. Let's journey back five years to January 1993. We fire up our Morningstar database, select all growth funds (for example) that then had five year track records, then sort for highest past five year performance. (Morningstar hadn't yet developed their style boxes, so these groupings were state-of-the-art then.) Finally, we select the top 20 funds in each group.
What a magnificent group of managers! No doubt about it, these guys have it together. In every category, with uncanny skill these Masters of the Universe have trounced the appropriate indexes. What a convincing demonstration of The Right Stuff! Here is how the average performance of our heroes stacks up against the indexes.
Our heroes collectively beat the index by 5.32% per year. And a $10,000 invested in the funds would have grown to $27,890 compared to a paltry $22,349 in the S&P 500 Index.
Fittingly, their achievements will be widely trumpeted, and the press will lionize them. Investors will shower them with new money with the certain expectations of future excess returns. Of course, with demonstrated genius producing performance like this, only naive investors would opt for "mediocre" index like returns.
We will divide our investments equally between the top performers, and follow our heroes for a further five years to prove once and for all that past performance is a reliable predictor of future performance. A few funds (Idex) disappear through mergers and change objectives, so we throw them out.
Whoops! The results are not at all what we expected! Our heroes and idols have cracked and tarnished. Their Right Stuff has all oozed out right before our eyes.
Here is how our heroes did during the second period.
(Yellow indicates second quartile performance, red is bottom half of all growth funds for the five year period.)
Choosing funds based on past performance turns out to be a losing strategy,and relative to the na"ve index approach a costly mistake. The heroes averaged a mere 16.33% while the S&P 500 Index turned in 20.25%. Our $10,000 invested during the second period with the heroes produced $3840 less than the Index.
You will get similar results no matter what time period and what domestic equity category you compare.
If past performance is not a reliable indicator of future performance, then the whole case for management skill collapses. Past performance may simply be a random result indicating luck, not skill and cunning.
The implications for active managers' future employment are pretty grim. If investors ever catch on to the reality that management selection is an un-priced risk with high negative expectations, lots of fund managers will have to obtain honest employment.
Viewed from another perspective the investor must consider the proposition that markets bring returns, not the skill and cunning of active managers. It turns out that market or index returns are very fine indeed. And, the dumbest investor alive will attain those returns by simply buying an index fund.
If an investor can't be highly confident that the decision to hire a manager will result in better net performance than his benchmark (the appropriate index) then s/he should certainly prefer the index approach. The index offers the lowest cost, lowest risk approach to obtaining market returns.
Where are they now?
Yesterday's heroes are doing quite nicely, thank you. As a result of their past good fortune, investors threw money into their funds at record levels. With those giant cash inflows, fees for the lucky few managers grow exponentially. While the skill of a fund's managers is questionable, a fund's reputation, suitably enhanced by deft marketing, has great measurable persistence and value. Past performance is a remarkably reliable predictor of future cash flow into a fund. While the new investors suffered below average returns, the managers grew truly rich. It's almost enough to challenge your faith in the efficient market theory.
Where Are They Now?
By: Frank Armstrong, CFP, AIF


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Disneyland fun at Halloween Time!
Hey Guys! I'm finally home from traveling (for now, lol) I just had the best time in California with my family during the Halloween season. I'm not the biggest fan of Halloween tbh but all of the decor and events going on in the Disney Parks for the season were actually pretty cool. This vid is kind of a mesh of all the days of our trip because I wanted to share some of the highlights with you! (p.s. If you're wondering why my outfits change it's because we spent 2 days at each of the parks. 😉 )
Montana Travels: Glacier National Park
My sister and I had such an amazing time at Glacier this past week hiking and camping. I'm so excited to share this video of all the footage we took. Sadly, the part with the rafting was cut short by my GoPro dying right as we got to the first rapids. So you'll just have to imagine it a being a lot more exciting than the footage here. Hope you enjoy!Also, in case you missed it, I shared some more photos in these past 2 posts on the blog.MONTANA TRAVELS: GLACIER NATIONAL PARK – PART 1MONTANA TRAVELS: GLACIER NATIONAL PARK – PART 2
Montana Travels: Glacier National Park – Part 2
Hello again! I'm home again and now it's time for me to share part 2 of this adventure. So I'll definitely have to say this was the most exciting day of our trip because we ended up on the road called "Going To The Sun Road" and that was sort of on accident. Let me explain. When we got into the park on the first day I went into the information center to get recommendations for what we should see. I talked to a very nice older gentlemen who told me the route he'd take so we headed there to find some hiking trails. That's when we…
Montana Travels: Glacier National Park – Part 1
Hey guys! I'm going to attempt to share some of the photos from my trip with my sister to Glacier National Park in Montana Our first day was spent mostly in the car of course. Oh, and did I mention this is the first road trip I've ever done on my own? It was such an adventure. The trip is about 4 and a half hours both ways and goes through some of the most beautiful parts of the country (in my opinion). We stayed in the sweetest little cabin with more than enough space for the two of us. It had a firepit, a grill, a bunk bed…
Vlog #2 Rock Climbing + What I ate Today
Just popping in today to share another vlog. My friends and I spent the day climbing and exploring the Wild Walls climbing gym in Spokane WA. We had so much fun and I hope you enjoy watching the video 😉
The Most Random First Vlog Ever + An Unboxing
I've finally jumped into the world of vlogging (or should I say "attempted" to jump in.) As said in the title, it's a very random vlog but it's a first and I think that gives me a little slack. In the video I share about my weekend of biking and kayaking with my sister Lela. Then near the end I've done an unboxing of the beautiful Mene gold pendant that I recieved.
Travel Diary NYC: Last Day in the Big City
Time for the final photo post from my New York trip and that's kind of sad. Hey, but the good news is that the video is coming soon! The last day of our trip was really only a half day because we had to fly out in the evening. It was still a great day though and definitely worth sharing. We returned to Brookfield Place one more time before going home and probably not for what you'd think. You see, there were so many amazing stores there, but what we went back for were cupcakes! Sprinkle's Cupcakes to be exact. Mom wanted to take some of them back to the…


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Who You Are:
You've developed and maintained compound recipes for different components. You've observed all related processes and created tire cure specifications. You've earned a Bachelor's Degree in Chemical Engineering and are proficient in Microsoft Word and Excel. With an analytical mindset and your planning and interpersonal skills you'll work together with the Tire Engineering Department to ensure the business goals of a major tire industry company are achieved.
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To James Madison from Joel Barlow, 12 May 1812
From Joel Barlow
Paris 12th May 1812
Dear Sir
Since the date of my last letter1 I have by dint of scolding, got the answer which I communicate by this occasion to the Secretary of State.2 The evasions used on this occasion were curious. In the notes to the prince Regents declaration, which I enclose herewith in the Moniteur of the 8th.,3 you will see the only answer they intended to give to my demand of the 1st. of May. The reference made in these notes to a decree of the 28th. of April 1811, gave me occasion to ask for that decree, which I did in a conference with the Duke on the 9th. I told him I never had seen or heard of such a decree; he brought it forth & read it to me, declaring that it had been communicated to Mr. Russell & Mr Serurier last year. It is not in the papers of this legation, & if you have no knowledge of it, the suspicion I have will be confirmed, that it was created last week expressly for this occasion.4
I know not, in State ethics, by what name such management is called. It was still intended not to give me a copy of the decree, & to make the notes in the Moniteur serve as the declaration I required. I told him at last that I must be frank with him. The occasion required it. That as to the notes in the Moniteur, they would be very good if signed by him. That taken as the simple speculations of an editor they would do neither good nor hurt, but given as an answer to an official note on so solemn a subject they would only serve in America to show how the French government could play with the feelings of a foreign agent; that as to arguments in favour of my demand, I could use no more, they were all found in my note; but I must declare to him one fact, which was that on the answer to my demand would depend the question of a vigorous war or a shameful accommodation with England; that I could not tell indeed what the Emperors wish might be on that subject, but he might depend upon what I now said, that without such a declaration on his part, & acts conformable to it, a war against England was impracticable; but with it, it might be regarded as infallible. He then promised the answer, & gave it as you see.5
I shall write so soon by the Wasp that I add no more at present. With great respect & attachment
J. Barlow
RC (DLC); duplicate (DLC: Rives Collection, Madison Papers). Both copies in a clerk's hand, corrected and signed by Barlow. Duplicate marked with Barlow's notation: "Original by England. Covered to Mr. Russell." Minor differences between the copies have not been noted.
2. In his 12 May dispatch to Monroe (DNA: RG 59, DD, France; extract printed in ASP description begins American State Papers: Documents, Legislative and Executive, of the Congress of the United States … (38 vols.; Washington, 1832–61). description ends , Foreign Relations, 3:603), Barlow described "a pretty sharp conversation with the Duke of Bassano" over the French minister's reluctance to respond to Barlow's note of 1 May 1812 (see Barlow to JM, 2 May 1812, and n. 1). Barlow reported that he finally received, on the evening of 11 May, a note from Bassano dated 10 May, the contents of which the American minister considered to be "so important in the present crisis of our affairs with England" that he sent a copy by the Wasp to Jonathan Russell in London. As Barlow explained in his dispatch, the reason for this action was Bassano's production of the decree of 28 Apr. 1811 (see n. 3, below). The American minister made no comment to the French foreign minister "on the strange manner in which [the decree] had so long been concealed from [him]," but he was clearly skeptical about Bassano's claim that copies of this document had previously been sent both to Sérurier in Washington and to Russell prior to his departure from Paris for London. Barlow therefore requested Bassano to send him officially a copy of this decree, along with any other documents, in order "to prove to the incredulous of my Country (not to me) that the Decrees of Berlin & Milan were in good faith and unconditionally repealed with regard to the United States."
Barlow doubted that the tactic of sending a copy of the 28 Apr. 1811 decree to London would compel Great Britain to withdraw the orders in council—that, he added, "would be too great a triumph"—but he believed nonetheless that his attempt to prevent a war by such means was "laudable." The remainder of the dispatch reported that Napoleon and Bassano had recently left Paris for the commencement of the campaign against Russia, and Barlow surmised that the war with Russia might last longer than he had previously predicted, even to the extent that it could develop into "a national war" similar to the struggle currently taking place in Spain. Barlow mentioned that during Bassano's absence from Paris he would be corresponding with the duc de Dalberg, "an amiable and intelligent man" with whom he yet hoped to negotiate an acceptable treaty of commerce. Barlow anticipated that such a treaty would be ready by the time the Wasp had returned from Great Britain.
3. The 8 May 1812 issue of the Paris Moniteur universel reprinted from the London Courier a translation of the prince regent's 21 Apr. 1812 declaration on the orders in council (see Barlow to JM, 2 May 1812, and n. 3). Appended to this translation was a set of thirteen notes, the fifth of which countered the prince regent's skepticism about the alleged repeal of the Berlin and Milan decrees with the claim that those decrees had indeed been repealed without reservation with respect to the U.S. The proof of the repeal was adduced by reference to three documents, none of the contents of which was actually cited by the Moniteur: a letter of the grand judge of the Council of Prizes said to be dated 2 Nov. 1810; a similar letter of the same date by the French minister of finance; and a decree of 28 Apr. 1811. The Moniteur then alluded to the results following the revocation, namely the release of American vessels previously detained under the Berlin and Milan decrees, and for further proof of the matter the paper referred its readers to the published diplomatic correspondence of Pinkney and Monroe as well as to the U.S. policy of nonintercourse against Great Britain. The note concluded with the statement that as of that moment there existed no instance of the application of the Berlin and Milan decrees.
4. The duplicate has an additional clause here: "& in consequence of my note of the 1st. of May."
5. In his 10 May 1812 letter to Barlow (DNA: RG 59, DD, France, filed at August 1812; translation printed in ASP description begins American State Papers: Documents, Legislative and Executive, of the Congress of the United States … (38 vols.; Washington, 1832–61). description ends , Foreign Relations, 3:603), Bassano expressed surprise at the American minister's demand for proof of the removal of the Berlin and Milan decrees. That revocation, the French foreign minister stated, had been "proven by many official acts," by Bassano's correspondence with Barlow's predecessors and with Barlow himself, and "by the decisions in favor of American vessels." Bassano enclosed copies of the 25 Dec. 1810 letters of the grand judge of the Council of Prizes and the minister of finance (translations printed ibid., 3:393), to which he added a copy of a decree issued at St. Cloud on 28 Apr. 1811. In this last document Napoleon, after examining the U.S. law of 2 Mar. 1811 enforcing nonintercourse against Great Britain, declared that the policy was "an act of resistance to the arbitrary pretensions consecrated by the British orders in council, and a formal refusal to adhere to a system invading the independence of neutral Powers, and their flag." On that basis the emperor announced that "the decrees of Berlin and Milan are definitively, and to date from the 1st day of November last, considered as not having existed (non avenus) in regard to American vessels" (translation printed ibid., 3:603).


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The Academic Board of the MISU defines the requirements and contact hours (1 contact hour comprises 45 minutes) for successful completion of the courses as follows:
- regular attendance (six contact hours max. absence)
- to be always on time in class and at extracurricular appointments
- preparation for and active participation in seminars
- attendance and contribution to lectures
- participation in and contribution to class excursions
- self-study and homework assignments
- presentations in class
- written assignment: essay of 3500-4000 words sent by mail; deadline will be 30 September 2020
Contact Hours*:
- 60 contact/class hours* worth up to 6 ECTS credits
* One contact/class hour comprises 45 minutes.
Every student will receive an official transcript after the successful completion of all program requirements. The transcript will show the course name and contact hours, the number of acquired credits as well as the achieved grades. Participants who do not fulfill the course requirements will receive an ungraded certificate of attendance.
Credit Transfer
Most international colleges and universities accept credits from the MISU LMU. However, each institution has its own policy regarding credit acceptance from other institutions. We strongly recommend that students consult their academic advisor and/or professor to receive credit transfer approval before applying to the MISU Summer Academy. Students who would like to transfer credits to their home universities should print out all documents contact the professor or study abroad advisor and ask for credit and grade approval.
Grading Scale
Grades are defined by the Academic Board according to the general grading system of the LMU.
Please note: Extra credit is not available for this course.
Passing grades are 1,00 to 4,00
- < 1,00 = exceptional
- 1,00 – 1,50 = very good (sehr gut)
- 1,51 – 2,50 = good (gut)
- 2,51 – 3,50 = satisfactory (befriedigend)
- 3,51 – 4,00 = sufficient (ausreichend)
- 4,00 deficient (mangelhaft)
- NG - Not graded
No course certificate was awarded, because the student has chosen to audit the course without any essay.
- PNG - Passed, No grade
An ungraded course certificate was awarded because of no essay was presented.
Grading Procedure
There are three grading sections in this course:
- 55% = Essay (3500-4000 words)
- 30% = Oral presentation, homework assignments
- 15% = Active participation in class and soft skills


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Steel Carriage Garage Doors as the Favorite garage Doors
Steel carriage garage doors are the other of door types which are preferred by most people around the world. From its name, it is obvious that this kind of garage door is made from steel. Steel as one of hard material is best known as material which is not easy to get rusty which means it is more durable and long lasting. This kind of door is absolutely different from the other types of garage doors which are usually made from woods, garage doors made from woods are usually easy to get broken or crumbly and also woods are usually eaten by termites which can make it porous. Using steel as the material of garage doors is something beneficial that people can have.
Steel carriage garage doors are the doors that can protect well the carriage which is put in it. Steel is something which is hard to break. Some garage doors designers think that it is important to use hard material for the garage door since it is important to protect all the contents in garage. This steel garage door is designed to be light and not heavy so that people will not make an effort when they want open it. Steel as the material of garage door is also beneficial that it is not easy to be broken by burglars who want to get in forcedly.
2 Picture Gallery: Steel Carriage Garage Doors as the Favorite garage Doors
Steel carriage garage doors are absolutely much better than the wooden carriage garage doors. We know that steel is known as the material which is generally used by people for industrial and heavy duty. The use of steel for industrial and heavy duty means that steel is a strong material that is long lasting and durable. The choosing of steel as carriage garage door is kind of good idea where people should not worry if they have steel carriage garage door at their house. This steel garage door is also easy to be cleaned, you just need to wipe it with a wet cloth on its entire parts, you do not need to get worried that the steel will get rusty if it gets something wet since it is rust resistance. Like no other doors which are made from woods that it can get porous, this steel garage door is ensured to be a high quality garage door that people can have it as the door of their garage.
Steel carriage garage doors are quieter than any other types of garage doors. It does not produce any loud and uncomfortable sounds when it is opened, it is because steel door is built with some rollers that can muffle the sound that can appear when it is dragged to open it. The maintenance of steel door is also simple, you just need to lubricate the rollers which are located in lower part with some oils. The use of oils here is to make the rollers run well so that there will be no uncomfortable and loud sound produced when the door is dragged. Having Steel carriage garage door at your house is a good idea since it is nice and beneficial.
This post topic: Carriage


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Socio-economic Transformation of Africa
This research axis focuses on African middle-classes, on African cities as a growth factor, on the urbanization of the continent as an element of transformation of African societies as well as on competition for access to land.
Conceptualizing the middle class in a developmental state: Narratives and expectations in Ethiopia African Affairs, vol. 117, n° 468, 1 July 2018, pp. 439–461
The category 'middle class' was used increasingly throughout the 2010s to identify social changes occurring in African countries, including Ethiopia. However, the category itself is hard to define and has been employed to describe very diverse socio-economic dynamics.
New Consumption Spaces for the New Middle Classes? Shopping Centres in Abidjan Notes de l'Ifri, April 2018
Since 2011 and the end of the post-election crisis, Côte d'Ivoire has returned to impressive economic growth. The country and its capital are drawing attention from a growing number of investors, and the "Abidjanian middle classes" are widely publicised and sought after.
The Challenge of Urban Mobility. A Case Study of Addis Ababa Light Rail, Ethiopia Notes de l'Ifri, février 2018
In September 2015, Addis Ababa introduced the first Light Rail Transit system (LRT) in sub-Saharan Africa. This tram, a symbol of Ethiopian renewal, was nevertheless barely used by the capital's residents during the first few months. However, at the time of our research trip in April 2017,...
Land Tenure Tensions in Maputo. A Study of the Neighborhood of Polana Caniço L'Afrique en questions, No. 38, 11 September 2017
Maputo, the capital of Mozambique, is driven by fascinating urban dynamics. The country's institutional setting is influenced by the legacies of the different political regimes of the last 50 years, which have left visible traces on the urban fabric.
Hashtag and Political Resistance Movements in Southern Africa L'Afrique en questions, No. 36, 31 July 2017
What is the political significance of Southern Africa's "hashtag movements", socio-political campaigns using social media to disseminate information and to mobilise concerned and previously quiet segments of the public?
By organising TICAD (Tokyo International Conference on African Development) for the first time in Africa in August 2016, Japan intended to accelerate and deepen its relationship with the continent.
Defining the Middle Class in the Global South. A Quantitative Perspective from South Africa L'Afrique en questions, No. 33, 13 June 2017
What makes you middle class? Is it your income, occupation, or education? Your family background or maybe the house and neighbourhood you live in? It is probably all of these things.
Are African Middle Classes Coming Together? The Case of Telecommunications Employees in Kinshasa Études de l'Ifri, April 2017
For many observers, a change in perception of the African continent occurred in the 2010s. Attention has focused on the relatively high rates of economic growth and a high population growth associated with urban expansion; both indicators interpreted as promises of economic "emergence" leading...
State of Emergency in Ethiopia: New Far East, Old Far West L'Afrique en questions, No. 28, 28 October 2016
Up until recently, little attention has been paid to the crisis which the Ethiopian regime has nonetheless been sinking into for more than two years. The rare spotlights focused on this country have praised its economic performance, describing it as a new "Far East" or even an "African lion"....
Political and economic reconfigurations under Abiy Ahmed in Ethiopia
Since taking over as head of the Ethiopian government in April 2018, Abiy Ahmed has increased his openness: the lifting of the state of emergency, the release of political prisoners, the announcements of economic openness and privatization of national enterprises. Regarding foreign policy,...
Angola : from Dos Santos to Lourenço, Unexpected Transition, Lasting Transformation?
As part of the Observatoire of Southern Africa and the African Great Lakes, Ifri organizes this conference on Angola in collaboration with the Directorate General for International Relations and Strategy of the...
Migration in East Africa: A Regional Challenge and a Global Issue
The arrivals of refugees from East Africa in Europe have continued to increase since 2015. However, this situation should not gloss over the fact that migration is mainly a regional phenomenon: East Africa, alongside Middle East, hosts currently more refugees than any other regions in the...
What development prospects for industrialisation in Africa?
Industrialisation in Africa is a necessary and major process to support the continent's economic development. Although Africa will keep its demographic growth running, the industry sector only represents 1...
What is the role of international NGOs regarding the sanctions process?


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How to download a receipt
You can download a VAT receipt/invoice for your order on this page.
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If the form on that page does not work, please contact us. please include as much information as possible so that we can find your order. For example:
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October 2nd at 8:40am
Ryan Case has been a licensed Realtor with Coldwell Banker for the past five years, and has worked in the Real Estate industry since 2007. Ryan Brings ten years of experience to the team, and is adept at handling any transaction, regardless of property type or price point. Grateful to pursue his passion for a living, Ryan is highly motivated, determined and hands on with each sale from beginning to end. As an extremely dynamic individual, he promptly attends to his clients' needs, while executing transactions with elite professionalism. He doesn't take his responsibilities lightly, genuinely enjoys the time spent working with clients and strives to make each client's experience a positive one.
Ocean Regency is a popular condo building located near the beach, shops, and restaurants in the heart of Santa Monica, California. Completed in 2000, Ocean Regency is comprised of both single and multi level units. This complex offers contemporary floor plans ranging in size from 697 to 1,494 sq. ft., featuring vaulted ceilings, spacious lofts, private rooftop decks, large master suites, and fireplaces. Residents are attracted to Ocean Regency due to a combination of its wonderful amenities, amazing views, and close proximity to Ocean Avenue and the Third Street Promenade. This building offers secured side by side parking, multiple balconies, in-unit laundry, and controlled access.
1018 4th ST, Santa Monica, CA 90403
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text: If you follow me on Instagram (@ collagevintage) sure you recognize this digital print dress, I wore it last week in Milan for one of our days walking around the city in search of street style pics. It had been in my closet since before summer and I was looking forward to release it so I took advantage to transitional season weather to combine it with cut out boots and biker jacket. By the way, the original dress is long, I cut it because for shorter girls like me fit better ;).Hope you like it!Cazadora/Biker Jacket: Zara; Vestido/Dress:Monki,HERE; Botines/Boots:ASOS,HERE, Bolso/Bag: 3.1 Phillip Lim, HERE; Collar/Necklace:Apodemia;


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By EPG / August 17, 2017
Biogas: a high-potential, sustainable, yet untapped fuel in Romania – ENPG
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Source https://clearactioncx.com/breaking-down-silos-for-customer-experience-management/
Your news and connections gathered from around the web.
Breaking Down Silos for Customer Experience Management
Since customers see their experience as a horizontal series of steps (journey), are silos of experts across the company negatively affecting customer experience? Yes. We've all been through the wringer in our own role as customers and found ourselves in a bewildering maze:
"That's not handled by us; so-and-so will have to take care of you."
"Oh, that's new; department X hasn't told us all the details yet."
"Yes, but that feature won't be available until the next model is released."
"Our systems are slow in talking with one another; your bill will reflect the change next cycle."
Costs of Silos
Although dedicated groups of experts spelled efficiency when we entered the industrial age, their insular nature causes inefficiencies and hassles both for your customers and for your company. The costs: stress, wasted time, re-work, scrap, lower morale, and missed opportunities — for all parties.
Silver Bullets
Turning to technology or organization structure to solve all these ills is often a step in the right direction. But like all things in life, there's never a single silver bullet. There are still plenty of hiccups caused by people and processes that aren't singing from the same page.
Breaking down silos is not easy. For example, Marketing and Sales alignment seems like a natural, but there are different time horizons in play for these two groups, along with differing skill sets and deliverables that are not always perceived by the other party to be well appreciated or supported.
Rallying Point
So what's the rallying point for breaking down silos? Since customers are the source of everyone's budgets, paychecks, and meaningful work, customer experience is the magic potion that provides common ground, shared vision, and a unifying force. The tricky parts of establishing customer experience management (CXM) as a silo-buster are:
Accurately defining customer experience:
Customer experience includes not only touch-points with your company, but also the product/service that is purchased, and all the behind-the-scenes efforts of your customers before, during, and after the touch-points that are visible to you.
For retailers, customer experience more than the store and the people.
For manufacturers, customer experience is more than the product and the selling and servicing processes.
For service providers, customer experience is more than customer interactions.
Key: No department is exempt from having an impact on the customer experience.
Accurate understanding of customer experience:
Customers' stories about what matters to them, what's helpful and what's a hassle are eye-opening for employees, especially those employees who do not interface with customers.
Find ways to share customers' experiences with everyone.
Send relevant customer feedback to each department in your company regularly.
Involve employees in observing customers to see what's easy/hard for them.
Keep customer experience anecdotes (not just survey scores) in front of employees on the intranet, in break rooms, in staff meetings, and so forth.
Key: Keep customer experience vibrantly at top-of-mind for everyone company-wide.
Engage hearts and minds of everyone in centering their work, attitudes, decisions, and collaborations on the rallying point of customer experience.
Coordinate Managers of Customer Experience
Coordination among managers of various customer experience efforts is one of six success factors identified by the ClearAction CXM Best Practices Study. Think about all the places in the company where the various components of customer experience are managed: sales teams, market research, customer references, loyalty, analytics, billing, customer service, website, marcom, and so forth. There is little, if any, coordination among these managers of customer experience in most companies. Yet, among the companies that facilitate communication at least quarterly among these parties, customer experience and business results tend to blossom.
CXM champions in each business unit and functional area also play an integral role in breaking down silos. Especially when there are frequent opportunities for CXM champions to meet together, compare notes, identify best practices among themselves, and cross-pollinate the company. When CXM champions are facilitators of CXM ownership among all the employees, improvements that are meaningful to customers, and in turn, to the business, are catalyzed.
Expect Transformation
If executives approach CXM half-heartedly, they'll get half-hearted results. A surprising percentage of customer voice programs aim only to collect or analyze data, without expectations of taking significant action on customers' inputs to the company. The ClearAction study found that a second success factor is to expect action by departments associated with key drivers of customer experience. If you are sending relevant customer feedback to each department in your company on a regular basis, every department can do their part in improving customer experience.
Use Customer Inputs Everywhere
A third success factor identified in the ClearAction Study is to view customer experience as a determinant – not a subset – of corporate strategy. Make sure your customer research reveals the kind of information that will be useful in your annual operating plans, hiring and promotion criteria, and every facet of your business. This does not mean that customers need to step out of their world and provide consulting or a report card on everything you do. It means that you should listen carefully to customer-initiated comments that give you clues about what you need to do to align your company with them so that they can fall in love with doing business with you.
Break down silos by establishing customer experience as a unifying rallying point, creating all-employee awareness of customer experience realities, coordinating managers of various components of customer experience, expecting transformation of customer experience, and using customer inputs in all you do. Your new-found collaborative spirit will prevent the unnecessary costs caused by silos, and accelerate customer experience and financial success.
Keep up-to-date through the ClearAction newsletter:
Originally published on InsideCXM.
Photo purchased under license subscription from Shutterstock.
Related articles:
4 Customer Centric Culture Building Blocks
Customer Experience Governance: Do This, Not That
Improve Customer Experience by Eliminating Customer-Focus Boundaries
How Human Resources Can Add Value to Customer Experience Excellence
Customers First, or Employees First?
Customer Experience Improvement is a Team Sport
Employee Engagement in Balanced Scorecards
Let's discuss your goals for this area:
The post Breaking Down Silos for Customer Experience Management appeared first on Customer Experience ROI Enablement.
A Tennis playing father of two. The two in question are at an age where everything they do is correct and anything I suggest is stupid! Luckily business is a tad easier... Once I start to understand the challenges and the hoped for vision, I can usually plot a way forward. Understanding and Discovery are my two watch words.
What is the linkage between travel and creativity that inspired Hemingway, Twain and others?
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EverString Takes Another $65 Million and (More Important) Launches Predictive Ad Targeting Solution
The Recipe for Innovation Success


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Test Drive by Graham Breeze
The city car segment has grown to its highest ever level with 85,000 units sold last year and Suzuki plans to grasp a bigger market share with the launch of the new Celerio.
It's a brave launch with Suzuki ready to phase out reliable sellers Splash and Alto to concentrate on the new arrival.
And although Suzuki's hopes were hit on launch day with all cars having to be recalled to deal with a reported braking issue I'm backing the Celerio to emerge as a best seller for the company.
The little Celerio doesn't quite match up to the best in class for quality but it's packed to the roof with standard kit and while the starting price of £7,999 is not the cheapest it's easily the best value in sector.
Splash and Alto have both done good jobs for Suzuki, who sold 37,400 cars in the UK last year, but they are being phased out to make way for Celerio and there is a new Vitara on the way later this year.
Celerio will cost you £2,000 more than the outgoing Alto so Suzuki are taking a leap of faith that regular buyers will stay with the company. But you do actually get more for your money withy alloy wheels, DAB radio, Bluetooth, body coloured trim, electric rear windows, power steering, fuel consumption range display and even a tyre pressure monitor on the 1.0SZ4 on test.
The Celerio is cleverly put together to provide best-in-class boot space of 254litres and ample rear seat space for two adults.
There's no reach adjustment in the steering column but plenty of choice from the height adjustable driver's seat.
Standard specification for the SZ4 includes all-round airbags and there's an immobiliser and remote central door locking to keep the Celerio secure when parked.
At launch, Celerio offers low CO2 emissions of 99g/km and fuel consumption of 65.7mpg on the combined cycle. In April, a new dueljet engine will be available offering even higher fuel economy and CO2 emissions that fall to just 84g/km.
Celerio with the K10C Dualjet engine will be the cleanest car on sale at under £10,000.
Suzuki's newly developed AGS (Auto Gear Shift) will also be added to the range in April. This system features an Intelligent Shift Control Actuator positioned at the top of the transmission that operates the gearshift and clutch automatically.
With AGS, the driver can enjoy the effortless driving of an automatic, particularly in city traffic, but without any loss in fuel efficiency or increase in CO2 emissions versus manual transmission.
The SZ4 on test had an on-the-road price of £8,999 and bosses at Suzuki are confident of keeping Splash and Alto buyers on board as well as attracting new customers from the likes of Kia and Hyundai.
Having just enjoyed a record year in the UK I believe the Suzuki suits know just what they are doing and with the braking issue resolved Celerio will be a big player.


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Newest rofvape naga 330w good cheap box mods, made of high-quality zinc alloy, carbon fiber and real leather materials, black and brown colors available, innovative shape design, great hand feeling, powered by triple 18650 batteries and max output 330watts, vapers can select different working modes:variable wattage, temp control, bypass and TCR working modes, it supports resistance as low as 0.08ohm, multiple functions to ensure vape reliable and safe. the 0.91inch OLED screen will show you the vaping data clearly. recommend the new rofvape naga box mod works with TFV12 prince,ijoy captain x3 tank etc.
- Material: Zinc alloy + carbon fiber + real leather
- Colors: Black, Brown
- Size: 90*50*40mm
- Battery: 3pcs 18650(sold separately)
- Output wattage: 7-330W
- Working modes: VW, TC, Bypass, TCR
- Thread: 510
- Resistance range: 0.08-3.0ohm
- Temp control range: 200-600F/100-315C
- 0.91inch OLED screen
1*naga 330w good cheap box mod
1*USB cable
1*user manual
1*warranty card
1*spare parts
Note: please ensure you have basic knowledge on how to properly to use it.
1)users need pay attention to Li-ion cells when vaping.the batteries very sensitive to charging characteristics and may explode or burn if mishandled.so vapers must have enough knowledge of Li-ion batteries in charging, discharging and assembly before use. please use the fire-proof surface battery charger, never leave charging battery unattended.we will not responsible for damage for the human reason or mishandling of Li-ion batteries and chargers.the device always recommend work with rechargeable lithium-ion IMR batteries with min output current 20A or higher.
2) Smokstore will not responsible or liable for any injury, damage, defect, permanent or temporary that may be caused by the improper use of Li-ion battery, coils, tanks, mods etc.please have a basic knowledge of batteries.welcome to contact us anytime to get help.


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4 / 143 Adverts
Bungalow Detached, 1 floor, separate entrance, in a property
from ₱2727/Night (rates)
24 people
10 bedrooms
Ground surface : 6000m²
10 bedrooms
Ground surface : 6000m²
Swimming poolParking
- View : Mountain, country side, swimming pool, farmland, prairie, forest
- Kids welcome
- Setting : Rural, Mountainy
- Forest at 100m
- Golf, Horse riding, Fishing
Touristic region : discover Vallès Oriental
Advert No. 74286
For your guidance
Contact by phone
Contact by email
For safety and quality control reasons, we strongly recommend to contact the owner through IHA Holiday Ads.
Reviews about the Advert 74286
Be the first to provide a review about this advert!
Advert 74286Castellcir - Barcelona Province - Spain
Advert details 74286
Assets Bungalow
Swimming pool : Private swimming pool, rectangular (open from 'june 20' till 'september 30')
Parking : Parking uncovered : off road.
Interior Bungalow with View: mountain, country side, swimming pool, ...
Receive up to : 24 person(s)
Interior layout : 10 bedroom(s), 5 bathroom, american style kitchen, dining room, tv den
Sleeps - bed(s) : 5 full bed(s), 12 foldaway bed(s) 2 pers, 2 guest folding bed(s) 1 pers
Guest facilities : T.V., t.v points, wardrobe, electric heating, Glazed in area, Drapes, Double glazed
Appliances : Kitchen utensils, cafetiere, electric stove, micro-wave oven, extractor hood, refridgerator, deep freeze, washing machine, iron, ironing board
Exterior Vacation rental in Setting: rural, mountainy
Ground surface : 6000m²
Outside accommodation : Terrace, covered terrace
Outside setting : Private courtyard, enclosed grounds, yard, wooded park
Outside amenities : BBQ, yard table(s), yard seat(s), yard seated area, sun recliner(s), child's swing, sand box
Rates Calendar Availability Vacation rental in Castellcir
Seasons & Availability Bungalow in Castellcir
Rates Bungalow in Castellcir
Check-in day
Season Night Weekend week 2 weeks Month
Low season - - - - -
Mid season - ₱11156* Fri₱27891* Mon₱52683* Mon₱80574*
High season - - - - -
Festive specials - - - - -
Promotional period - - - - -
ServiceFrequencyIncluded / SuppliedSupplementRates
For your guidance
Information :
Kids welcome
Pets accepted under certain conditions (ask the owner)
Present on site : pets
Cell phone network coverage
Water : hot/cold
Local voltage supply : 220-240V / 50Hz
Electricity supply : mains
Booking conditions
Reservation :
Payment made upon reservation : 50% of rental sum
rentals :
Service charges included
Day tax included
Accepted methods of payment :
Leisure, Surroundings, Location Bungalow 74286
Leisure Castellcir - Barcelona Province - Vallès Oriental
Specific activities on site or less than 3 miles :
GOLF Barcelona Province
HORSE RIDING Barcelona Province
FISHING Vallès Oriental
Leisure activities less than 12 miles : Bathing, golf, tennis, squash, riding school, pathway/broadwalk, coastal/forest paths, hiking, rock climbing, flying (club), horse trecking, donkey rides, go-karting, hunting
Supervised : Riding school
Attractions and relaxation : Park and garden, museum, thermal baths
SurroundingsCountryside - Vallès Oriental
COUNTRYSIDE VACATION Touristic region : Vallès Oriental
Locality :
Sandy beach at 50km
Forest at 100m
Mountain range at 50km
Amenities :
Household linens for hire/laundry services at 7,5km
Breadstore at 50m
Local stores at 50m
Hairdressing salon at 50m
Mail office at 2,5km
Bank at 2,5km
ATM at 2,5km
Drugstore at 50m
Doctor at 2km
Nurse at 1,5km
Hospital at 30km
Location AccessBungalow Castellcir
Baixada Cal Pastor
08183 CastellcirCatalonia
GPS coordinates of accommodation
Latitude 41°45'37"N
Longitude 2°8'55"E
Cities close by
Barcelona (50km)
Close to Punta de Boet, Sierra de Montnegre, Riera de Merola, Sierra de Cabrera, Sierra de Gabarra, Rio Fresser, Sierra de San Mateo, Punta Morrell, Riera de Teya, Plana de Vich, Rio Calders, San Pedro Martir, Rio Fornes, Punta de Santa Susana, Rio Brugent, Riera de Carme, Punta de San Gines, Rio Mojent, Playa Badalona, Sierra del Clarena, Puig Ventos
Cities close by
Nearby places
Photos Bungalow 74286
Swimming pool, Bungalow in Castellcir - Advert 74286 @cc
Outside setting, Bungalow in Castellcir - Advert 74286 @cc
Full bed(s), Bungalow in Castellcir - Advert 74286 @cc
Return to the rental listingsContact


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Oral Appliances
One of our goals is to provide the most conservative treatment possible in every situation. Oral appliances offer simple, non-invasive care for a variety of conditions. Regardless of the application, every appliance we prescribe is custom-crafted for you with excellent fit and function.
Appliances designed on models of your teeth can be used to fit on either upper or lower teeth, or on both at the same time. Whether we're treating nighttime sleep grinding, diagnosed obstructive sleep apnea, bite problems or jaw joint disorders, appliance therapy may aid our treatment. Dr. Rizvi employs a variety of innovative designs depending on treatment goals and your preferences.
Sleep Apnea
We're concerned about the overall health of our patients, including sleep health. Many people suffer needlessly from dangerous sleep disruptive disorders that keep them from getting enough oxygen at night. The risk of a heart attack is 23 times more likely than average with a sleep disorder, and 92% of stroke victims live unknowingly with apnea before an attack.
Dental Treatment For every situation
Is nighttime sleep grinding, sleep apnea, bite problems or jaw joint disorders leaving you with sleepless nights? Call Dr. Rizvi, your cosmetic dentist in Plantation, FL to know things in detail.
what our patients
say about us
You are just a click away from us. Let's help you.
Do you have questions about the treatment procedures or are concerned about the costs? Call us or fill the form below and let's discuss what will suit you best.


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This is a special holiday week where we organize fun, laughter, and events specifically designed for our younger guests.
Children who take part in our ski courses this week will have the opportunity to improve their technical skills while engaging in games and activities on the snow.
Most importantly, our ski school and collaborating brand partners
will provide surprises, gifts and entertainment.
In addition, numerous participatory events are scheduled, including a treasure hunt and torchlight ski show with our teachers.
We look forward to seeing you there!
During the second and third week of January 2020,
all participants of our group lessons,
will have the possibility, together with our skiteachers,
to take part in a torchlight ski show
on the easy slope Pedagà.
We have launched our new Facebook page, where you can directly contact us.
Like us and become part of our group.
We are waiting for you and do not forget to share our link with your friends or relatives! The more there are, the more we will have fun together.
The more there are, We are waiting for you!
The 15th of January 2019 is dominated again by the Audi FIS Ski World Cup at Kronplatz. After the very successful races in 2017 and 2018, the international ski association decided to award a World Cup race to Kronplatz again. The date will be between the speed competitions in St. Anton and Cortina d'Ampezzo. The highly demanding giant slalom on the ERTA slope in S. Vigilio di Marebbe at the Kronplatz can thus be seen as a direction for the Fis Alpine Worldchampionships in Are.
Our school has designed specialized Baby Snupper courses to familiarize children ages 3 to 5 years with snow and skiing.
We offer a wide choice of courses for young people. Lessons can be half day or full day, where children and teenagers can learn and perfect the technique and style with our teachers.
Our snow kindergarten is a day care and the perfect place where children can spend an afternoon full fun with our trained assistants!
Thanks to our service and quality standards, our ski school were awarded with numerous certificates. It is the only ski school in San Vigilio, which was awarded with the prestigious 4 crystals.


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New Client Request
Celebrating 22 years of Petsitting Services November 2019
Client Login
Cat Care, Dog Walking, Petsitter in Downtown Columbia SC Petsitter in 29072 Petsitter in 29212, Petsitter in 29063, Petsitter in 29201 Petsitter in 29205
Petsitting in Columbia SC
Petsitting in Northeast Columbia SC
Petsitting in Southeast Columbia SC
Petsitter in Columbia SC
Petsitter in Northeast Columbia SC
Petsitter in Southeast Columbia SC
Petsitter in West Columbia SC
About us
Rates & Areas
Join Our Team
Contact us
Denise Cagle
Owner - 21years Denise started Petsitting by Denise in 1997 offering both petsitting and housesitting services throughout the Greater Columbia area. She has a dog named Poppit and 2 cats named Toby and Sandifer. Denise enjoys movies, traveling and going to the beach. She is holding Cyber-space and Jewels belonging to a new client. They are very sweet.
Mae W.
Petsitter - 3 years of service Mae covers downtown, Garners Ferry, and West Columbia. She has 2 beagles and 2 cats.
Kayla M.
Petsitter - 4 years of service Kayla is a resident of West Columbia and a graduate student at Columbia International University. She services the West Columbia, Cayce, and Lexington areas in addition to parts of the Shandon and Earlewood neighborhoods. She is mom to an 18 month old son, three dogs and one cat. Kayla has loved animals since childhood and has previously worked in animal rescue and in veterinarian's office. She graduated with her Masters in Early Childhood and Elementary Education in December 2015.


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Objective-C Overview
Objective-C is general-purpose language that is developed on top of C Programming language by adding features of Small Talk programming language making it an object-oriented language. It is primarily used in developing iOS and Mac OS X operating systems as well as its applications.
Initially, Objective-C was developed by NeXT for its NeXTSTEP OS from whom it was taken over by Apple for its iOS and Mac OS X.
Object-Oriented Programming
Objective-C fully supports object-oriented programming, including the four pillars of object-oriented development −
- Encapsulation
- Data hiding
- Inheritance
- Polymorphism
Example Code
#import <Foundation/Foundation.h> void print () { NSLog (@"hello world"); }


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Letter to Mormons from Mom of Another Faith
Renee Tumolo, a blogger atlaughslikethunder.blog, posted a "letter to Mormons" in which she shares a heartbreaking plea for us to share our lives with those of other faiths:
"I would like to know my Mormon neighbors. I would like for us to share our celebrations and mourn our losses together. I would like to enter into deep relationships with you that allow us to celebrate our differences and lift each other up versus silently judging one another from across the street or the backyard fence. I would like us to hug and share dinners, and text jokes, and go to movies, and have pool parties, and discuss politics, and cry and laugh, and live life together."
► You'll also like: A Letter To Mormons: Mom of Another Faith Shares Powerful Message to Members
In the letter, Tumolo also shares a list of ways we can encourage our children to show love and be inclusive of those of other faiths. Tumolo's words display a yearning that everyone who has ever been excluded, left out, or misunderstood, can relate to.
And although it might be easy for each of us to read her letter and think, "Oh, I wish other Mormons would just be nice to everybody," looking back at her letter can inspire us each to leap into the new year with more compassion, charity, and a desire to befriend all of our neighbors.


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NEW DELHI: Ministry of Skill Development and Entrepreneurship (MSDE) announced an array of initiatives towards strengthening the skills ecosystem in India.
Dharmendra Pradhan, Minister of Petroleum and Natural Gas and Minister of Skill Development and Entrepreneurship, speaking on the occasion said, "The rapid evolution of technology and innovation are changing the fundamentals of skills needed to thrive in today's digital era. Newer jobs are being created in emerging areas – bringing forward the need of the youth to acquire a new breed of skillsets that will help them leverage the opportunity and maximize their own potential. Today, I am glad that major IT companies like Adobe and IBM have joined us in this mission to drive skills and proficiency in emerging areas among the masses of India.", he added.
The announcement was made by the Minister in the presence of Rajesh Agarwal, DG, DGT; Manish Kumar, MD and CEO, National Skill Development Corporation (NSDC); Kulmeet Bawa, MD, Adobe India and Prativa Mohapatra, VP, IBM.
Details of initiatives launched are as below:
To ensure standardization of training and learning across all programs, DGT has aligned its courses with National Skills Qualifications Framework (NSQF), a competency based framework.
A tripartite MoU was signed between DGT, NSDC and Adobe India. The collaboration with Adobe will follow the launch of Adobe Digital Disha – a program focused on helping Pradhan Mantri Kaushal Kendras and ITIs leverage the power of Adobe Spark to integrate creativity and digital literacy into classrooms and curriculum, encouraging students to develop essential skills needed for jobs in the digital era. Adobe Digital Disha is expected to touch the lives of over 1 million students and teachers across India by the year 2020.
A MoU was signed between National Skill Development Corporation and IBM India to address the demand of skilled workforce in futuristic job roles. NSDC is partnering with IBM Skills Academy to facilitate the provision of Asia Pacific Skills Academy's Badges, Career Pathways, and related IBM offerings to promote and embolden the Skill India Mission for the Future of Work through NSDC's approved training providers.
For the first time, affiliation has been granted to an ITI in Pune Cantonment for 5 trades. MSDE plans to open similar ITIs in other Cantonment areas.
Affiliation has been granted to an ITI being run by Blind People's Association- Ahmedabad. Special Divyang friendly trades have been affiliated in the ITI. It is the first affiliation given to an ITI catering to the skilling of Divyangs. MSDE plans to open similar ITIs in other states.
In line with the MSDE's mission to ensure the best quality of training in ITIs, a special one month Crafts Instructor Training Scheme (CITS) Course was also announced. This course will help ensure availability of trained instructors in ITIs through Recognition of Prior Learning (RPL) mode.
A new course "UNMANNED AERIAL VEHICLE/DRONE PILOT" was launched to create trained people who can fly drones, observing standard guidelines and carry out its maintenance. It will help create a pool of trained manpower who can fly and control drones in line with Ministry of Civil Aviation's Drone policy.
(Based on statement)
Disclaimer: The views expressed in this feature are entirely their own and does not necessarily reflect the views of India CSR Network and its Editor.
Terms & Conditions: India CSR Network does not permit other Websites/Agency to copy or reproduce or reprint the above article/feature in any form or means.


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Day to day life in New York can be challenging and even dangerous. Pedestrian knock downs, car crashes on busy streets, and widespread crime are on going safety concerns for many New Yorkers. You may be surprised to find that the city has recently taken steps to address one major safety issue: walking in heels.
Is walking in heels really a safety issue? It is while walking over sidewalk grates! The grates historically used throughout the city are extremely challenging to maneuver without breaking a bone or sustaining an injury of sorts. The sometimes slick surface and size of holes in the grates make slip trip and falls almost inevitable.
As part of the MTA's East Side Access project new grates have been installed on several streets. A statement from the MTA:
"In order to be easier to navigate for those wearing high-heeled shoes, the sidewalk 'high-heel friendly' grates are made with slip-resistant surfaces and the openings between the cross-bars are only ½ inch wide."
If you or a loved one has been injured in a slip and fall incident contact and experienced personal injury attorney today.


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Preschool in Lyndhurst, NJ
Lyndhurst Day Care Center runs a preschool for children as young as one year old in Lyndhurst, NJ. Our goal is to not only prepare our students for kindergarten but also for life in general. We teach them both formally and informally to develop valuable intellectual and social skills. We value the creativity of children and offer them the space to express themselves freely.
Our curriculum is comprised of subjects and activities that will be designed to stimulate your child. We challenge our teachers to come up with unique and exciting ways to present the material, which will allow your child's inborn curiosity to be satisfied. When you send your child to us, you can expect:
- A nurturing environment
- Excellent interpersonal services
- Attention to detail
If you live in Lyndhurst or one of the surrounding areas, consider sending your child to Lyndhurst Day Care Center. Our preschool will be just the place where your children can naturally develop. We believe that children thrive with complete care from their parents and teachers. Call us today to schedule a tour of our facilities.
Request an Appointment
Contact Us
Message Sent. Thank you for contacting us. We will be in touch with you shortly.
|Mon - Fri:
- English


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Get your home ready for the holiday season and impress your family with our $27 room* carpet cleaning special. Our hot water extraction method is by far the most recommended in the industry. To schedule service, call us at (630) 231-0007, or fill out our contact form.
Air Duct Cleaning Special
Take a deep breath and enjoy the fresh air that an air duct cleaning provides. Better yet, we have a special on that too! The air duct special is $97 and the cleaning includes all returns, intakes and one furnace. To schedule an appointment, contact us today.
*3 room minimum. First room only. May not be combined with other offers or prior services. 12'x10′ room.


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Sea Mix
Fish & Sea Plant Liquid Fertilizer
Sea Mix improves the health, vitality and yield of house and garden plants by supplying vital micro-nutrients from Seaweed harvested from coastal waters of the northern Atlantic Ocean. The species of Ascophyllum Nodosum which we harvest is very high in natural compounds which the sea plant manufactures for its own survival. These compounds are then combined with sea fish rich with macro-nutrients, a natural source of nitrogen, phosphorus and potash.
Available in the following sizes:
- 1 Litre * 1.2 KG
- 4 Litre * 4.8 KG
- 19 Litre * 22.8 KG
Contact Information
Head Office - Canada
Agri-Growth International Inc.
18024 - 107 Avenue
Edmonton, Alberta
Phone: 780-484-0102
Fax: 780-484-1632
Monday - Friday 9am - 4pm
Contact us for more information!


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Surviving Christmas With The Relatives: But can you survive this movie?
Review: 'Tis the season for any old holiday themed rubbish in the cinemas
Joely Richardson and Michael Landes in Surviving Christmas with the Relatives
Film Title: Surviving Christmas with the Relatives
Director: James Dearden
Starring: Julian Ovenden, Gemma Whelan, Joely Richardson
Genre: Comedy
Running Time: 101 min
'Tis the season for any old holiday themed rubbish. And the lazily titled Surviving Christmas with the Relatives – really? – is any old holiday rubbish. Writer and director James Dearden has had an interesting career: his screenplay for Fatal Attraction was nominated for an Academy Award, his 1991 version of A Kiss Before Dying saw Sean Young nominated twice at the Golden Raspberries, his 1988 drama Pascali's Island played in competition at Cannes. How he signed off on this hodgepodge of comings-and-goings is baffling.
Despite the insistence of the soundtrack – Chris Rea's Driving Home for Christmas, etc – and the presence of a turkey called Gobbles, there's nothing remotely seasonal about this muddled farce. "It's a family tradition," explains Miranda (Gemma Whelan) as her fixer-upper home in the country is descended upon by hordes of relatives and randomers.
Miranda is joined by her sister Lyla (Joely Richardson as a US-based actress who is terrified that her TV show won't get renewed). Lyla's alcoholic, drug addicted, philandering agent-husband Trent (Michael Landes) is also terrified that Lyla's TV show won't get renewed.
Meanwhile, Julian Ovenden heads to London to fetch his weed-using son, Harry (newcomer Jonas Moore) to participate in the film's most squandered plotline. And then there's the vicar, an elderly uncle (James Fox), several dogs, assorted children and 20-somethings, east European builders, and a cat.
The vicar says vicar-y things ("Oh, one soldiers on"). The terrier eats viagra. The American makes repeated appalled noises that his bumpkin English in-laws have decamped to the countryside in search of a simpler life and an organic vegetable farm. Women gawp comically upon walking in on a young man in the shower. An older aunt (Patricia Hodge) pulls out a vibrator. There's attempted hanky panky in the dilapidated pantry. Say what you will of Nativity Rocks: at least it had the good grace to be all-ages nonsense.
As ever, dinner is ruined, not once but twice. The east Europeans get ruinously drunk.
At no point do any of these developments threaten to coalesce into a movie structure. Never mind Christmas. Can you survive Surviving the Relatives at Christmas?


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Dr.Theodore W. Chan
Dr. Theodore Chan graduated from Palmer College of Chiropractic West and has been a licensed Chiropractor since 2003.
Since that time, he has been freeing people from pain in his clinic in Kennewick, Washington. As a Chiropractor with 10 years of experience, he is committed to promoting the health and well being of his patients.
Dr. Ted uses a 'whole person approach' when taking care of his patients. By combining the very best hands-on-technique and providing nutritional supplements, Dr. Ted is able to help you to accelerate and/or maintain your journey to good health.
- 2003 Doctor of Chiropractic - Palmer College of Chiropractic West
- 1999 Bachelor of Science in Zoology with a Premed emphasis - Brigham Young University
- 2003-current - Washington State Chiropractic License
- National Board of Chiropractic Examiners attainment Parts I, II, III, IV, and Physiotherapy
Memberships & Associations:
- Member of the Washington State Chiropractic Association
- Member of the Pi Tau Delta Chiropractic Honor Society
Click here for current Curriculum Vitae


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Cabana Time Shaker Card by Alison
Hi it's Alison and it's my turn today to show how I made this shaker card using the Cabana Tiles die from the Catherine Pooler Stamp of Approval Box. First I cut a piece of American Craft green card to 5 inches square. I then used the Cabana Tiles die to cut out what would become the apertures. I repeated this on pieces of Bristol Smooth white card and a piece of blue American Crafts card. I then backed … Read More