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HPCET 2018 Registration, Dates, Syllabus, Exam Pattern, Admit Card, Result
HPCET 2018 (एचपी सामान्य प्रवेश परीक्षा): It is an entrance exam that is conducted by the Himachal Pradesh Technical University for enrolling the new admission in its classroom engineering programs. This year the entrance exam will be conducted in May 2018. The online registration process for HP Common Entrance Test 2018 has been started from March and the candidates will be able to submit their HPCET Application Form 2018 on or before the last date, i.e. in April 2018. After the successful submission of applications, candidates will be able to download their HP CET Admit Card 2018 in the first week of May 2018, that is needed to be carried in the entrance exam along with a valid photo ID proof.
एचपी सामान्य प्रवेश परीक्षा 2018
एचपी सीईटी आवेदन पत्र, पंजीकरण प्रक्रिया, टेस्ट पैटर्न, सिलेबस, नमूना पत्र, मॉडल टेस्ट पेपर्स, प्रीविपियस इयर पेपर्स, रिजल्ट, स्कोर कार्ड, कटऑफ मार्क्स, मेरिट लिस्ट, परामर्श, सीट आवंटन यहाँ जांचे जा सकते है।
HPCET Registration Form 2018
All those candidates who meet the eligibility norms in all the aspects are invited to register themselves by submitting the HPCET Application Form 2018 between March to April 2018. Without the application form, any candidate can't appear the exam. All eligible aspirants can fill the HPCET Registration 2018 from the official website of the exam by the following process-
- Open the official website.
- See the apply application form and click on it.
- Fill the application form with correct entries and attach all required documents of the applicant (with photo and signature of the applicant).
- Recheck the form and click on the submit key.
- Take a hard copy of the application form as a proof of the application form.
- Pay the fee of the application otherwise, the application will be discarded.
HPCET 2018 Application Fees
The fees of the application form are given below in the tabular form according to the category of the applicant-
|Rs. 1100/-
|For all other
|Rs. 1250/-
The applicants can pay fees by internet banking and by e-challan. Fees of the application form are not refundable in any case.
HPCET Eligibility
Aspirants can know here the eligibility of the application form of the HPCET Exam 2018.
- The applicant should have 12th pass from a recognized board of the education.
- In the 12th class, the applicant should have study Physics, Chemistry, and Maths as the compulsory subjects in 12th
- Applicant should have 45% aggregate in 10+2 class.
- There may be an age limit for the applicants.
HPCET Important Dates
Candidates need to aware of the important dates related to this exam. Aspirants can see below all important dates of the exam.
|Application Form begins
|March 2018
|Final Date for Submission of Application Form
|April 2018
|Release of Admit Card
|2nd week of May 2018
|HPCET 2018 Exam
|May 2018
|Result Announcement
|May 2018
|2nd week of June 2018
HPCET 2018 Details
- Exam Name: Himachal Pradesh Common Entrance Test
- Commonly called: HPCET
- Exam Type: UG Level
- Exam Category: State Level exam
- Conducting Institute: Himachal Pradesh Technical University
HP CET 2018 Offered Courses
- Aeronautical Engineering
- Chemical Engineering
- Civil Engineering
- Computer Science and engineering
- Electrical and Electronics Engineering
- Electrical Engineering
- Electronics and Communication Engineering
- Mechanical Engineering
- Production Engineering
- Textile Engineering, etc.
HPCET Syllabus 2018
In this exam, the questions will be asked from the Physics, Maths, and Chemistry. The questions will be asked to form the 12th board exam syllabus. Students need to make a good preparation of the board exam syllabus.
HP CET Exam Pattern 2018
HPCET 2018 Exam will be objective base exam of the PCM according to the below pattern-
- Examination Mode: Offline Mode
- Exam Type: Objective Type
- Paper Language: English
- Marks per Question: 02 Marks
- Total Duration: 03 Hours
- Negative Marking: 0.25 Marks will be deducted for each wrong answer
|No of questions
|Maximum Marks
|Time Duration
3 Hours
HPCET 2018 Exam Centers
This exam is state level exam so the Centers of HPCET Exam 2018 will be at the following cities into Himachal Pradesh –
|S. No.
|Exam Centre
|S. No.
|Exam Centre
|Paonta Sahib
Candidates can select the center of the exam according to their interest at the application time.
HP CET Sample Paper Pdf
The applicant can see the HPCET Sample Papers 2018 on the official website. All aspirants need to see the sample paper of the exam because the sample paper provides the basic idea of the exam pattern and candidates can also know that from which part the most questions will be asked in the exam.
HPCET Previous Year Exam Papers
All students who are going to appear for the Himachal Pradesh Common Entrance Test 2018 they need to see the previous year paper. By the previous year exam papers, candidates can make a good practice of the upcoming exam. Candidates also can find the weak points of the exam and improve them.
HPCET 2018 Admit card
Candidates will be able to download the Admit card of HPCET 2018 in the first week of May 2018. HP common entrance test 2018 will be conducted in May 2018. before the exam. All candidates can download their call letter of the exam from the official website of the exam. All students need to download the permission letter of the exam because without permission latter aspirant will be unable to appear for the exam. The call letter of the exam has all details of the applicant like the name of the applicant, the photo of the applicant, exam detail, and exam center details.
HPCET 2018 Result
The Result of HPCET 2018 will be announced on or before May 2018 at HPTU official website. The result of the exam will be announced after 15 days of the exam conduction. The exam will be conducted in May 2018. Candidates need to make a good score into the exam for taking the admission in engineering colleges of the Himachal Pradesh.
Contact Info:
The Registrar,
Himachal Pradesh Technical University,
Gandhi Chowk,
Hamirpur (H.P.)
Website: himtu.ac.in/


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Chile's Social Security Lesson For The U.S.
America's Social Security system will go bust in 2010. As political leaders scramble to save it, they've overlooked an obvious free‐market solution that works. They need only look at Chile.
Pay‐as‐you‐go social security systems destroy the link between contributions and benefits, between effort and reward. Everyone tries to minimize what he puts into the system while trying to maximize through political pressure what he can get out of it. That's why pay‐as‐you‐go plans are going bankrupt all over the world.
Chile faced that problem in the late '70s. As secretary of labor and social security, I could have postponed the crisis by playing at the edges, increasing payroll taxes a little and slashing benefits a little. But instead of making some cosmetic adjustments, I decided to undertake a structural reform that would solve the problem once and for all.
We decided to save the idea of a retirement plan by basing it on a completely different concept — one that links benefits and contributions.
Chile allowed every worker to choose whether to stay in the state‐run, pay‐as‐you‐go social security system or to put the whole payroll tax into an individual retirement account. For the first time in history we have allowed the common worker to benefit from one of the most powerful forces on earth: compound interest.
Some 93% of Chilean workers chose the new system. They trust the private sector and prefer market risk to political risk. If you invest money in the market, it could go up or down. Over a 40‐year period, though, a diversified portfolio will have very low risk and provide a positive rate of real return. But when the government runs the pension system, it can slash benefits at any time.
The Chilean system is run completely by private companies. We now have 15 mutual funds competing for workers' savings.
The whole working population of Chile has a vested interest in sound economic policies and a pro‐market, pro‐private‐enterprise environment.
We guaranteed benefits for the elderly — we told those people who had already retired that they had nothing to fear from this reform. We also told people entering the labor force for the first time that they had to go to the new system.
Today, all workers in Chile are capitalists, because their money is invested in the stock market. And they also understand that if government tomorrow were to create the conditions for inflation, they would be damaged because some of the money is also invested in bonds — around 60%. So the whole working population of Chile has a vested interest in sound economic policies and a pro‐market, pro‐private‐enterprise environment.
There have been enormous external benefits: the savings rate of Chile was 10% of gross national product traditionally. It has gone up to 27% of GNP. The payroll tax in Chile is zero. Of course we have an estate tax and an income tax, but not a payroll tax. With full employment and a 27% savings rate, the rate of growth of the Chilean economy has doubled.
That does not mean that we do not have any problems in Chile, but I believe that a society based on individual freedoms — economic, social and political — is a much more prosperous and lively society.
Could something like this be done in the U.S.? People have said it's utopian and that nobody in the establishment would support privatization, but I believe the situation is changing.
Recently, I was invited by Sen. Phil Gramm, R‐Texas, to testify before the Senate Subcommittee on Securities. Basically, everyone agreed that a system like this is much more consistent with American values than a system created by a Prussian chancellor in the 19th century.
Of course, that does not mean that the reform will be done in the next month or the next year. I believe there's still a lot of education yet to go. But there's also a great opportunity here, and I think it's a very responsible thing to give your children and grandchildren.

subset: commoncrawl


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Joe's Pet Meds
Ratings & Reviews
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Write a review here and let the world know what you think about our service, prices, product range or shipping.
If you would like to review a specific product then please search for the product you would like to review and place your review on that page instead.
Drontal Allwormer for Dogs
- Highly effective dewormer for the treatment of all eleven gastrointestinal worms including roundworms,hookworms,whipworms and tapeworms.
- May be given safely to all dogs including puppies and pregnant and lactating females.
- Protects the health of your dog and your family.
From $34.95
Product Detail: Drontal Allwormer for Dogs
Drontal Alllwormer Tablets for Dogs
The combination of ingredients in Drontal for Dogs treats all eleven gastrointestinal worms in dogs including roundworms (Toxocara, Toxascaris), hookworms (Ancylostoma sp., Uncinaria sp.), whipworms (Trichuris) and tapeworms (Echinococcus, Dipylidium, Taenia sp.). This product does not prevent heartworm disease.
Warnings, Side Effects and Drug Interactions: Drontal may be given to dogs of all ages, including puppies and pregnant and lactating females. Drontal may be safely given in conjunction with other treatments such as heartworm prevention or flea and tick preventatives. On rare occasions, some dogs vomit when Drontal is administered.
Dosage and Administration:Dosing is weight based. Round the dose up to the nearest half tablet. Puppies should be treated at 2 ,4, 8 and 12 weeks of age, then at 4, 5 and 6 months. Adult dogs should be treated 3 monthly, or if in a Hydatids area, 6 weekly. Persistent infection with whipworm may also require 6 to 8 weekly treatments. Pregnant animals should be treated at the time of mating, 10 days before the pups are born, then at 2 and 4 weeks after whelping, in addition to the usual adult treatments.
Product contains: PYRANTEL EMBONATE, FEBANTEL & PRAZIQUANTEL
Storage: Store below 30 deg. C (room temperature).
Manufacturer: Bayer Australia Ltd


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Mini spinach & cottage cheese frittatas
Nutrition and extra info
- Healthy
- Vegetarian
Nutrition: per serving
- kcal59
- fat3g
- saturates1g
- carbs1g
- sugars1g
- fibre0g
- protein6g
- salt0.3g
- butter, for greasing
Butter is a dairy product made from separating whole milk or cream into fat and…
- 85g baby spinach
- 3 large eggs
- 6 tbsp low-fat cottage cheese
- 3 spring onions, sliced
Spring onionsp-ring un-yun
Also known as scallions or green onions, spring onions are in fact very young onions, harvested…
- few sprigs of dill, roughly chopped
- fresh nutmeg, for grating
One of the most useful of spices for both sweet and savoury…
Heat oven to 180C/160C fan/gas 4. Lightly grease a 6-hole muffin tin and line with squares of baking parchment to act as muffin cases (greasing the tin first will help to hold the parchment in place).
Put the spinach in a colander in the sink and pour over a kettle of boiling water, then leave to drain. When cool enough to handle, squeeze as much liquid as you can from the spinach, then roughly chop.
Beat the eggs and season well. Marble through the spinach, cottage cheese, spring onions, dill and a generous grating of nutmeg. Divide the mixture between the muffin cases. Bake for 18-20 mins or until just set. Leave to cool a little before removing from the tin. These will keep in an airtight container in the fridge for up to 2 days.


text: The District has recommended Edgenuity for adoption for Long-Term Independent Study for grades K-8th. Edgenuity is a comprehensive online curriculum that meets the CA Common Core Standards. The curriculum is designed to be self-paced with monitoring, feedback, and individual assistance provided by a teacher and guided by the parent. Public viewing of the curriculum is available by following the instructions on the linked documents below. The Board will adopt the curriculum at the July 14 ,2020 meeting.


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The ABAP Application Log is used by applications to log messages regarding information, warning or errors. Using SAP Focused Run you can monitor the application log for different applications to be aware of critical messages, to proactively address errors and warnings in your ABAP system.
To be able to monitor interfaces of an on-premise system you first have to add it to Interface & Cloud Monitoring and select the monitoring categories you want to monitor for the system.
In the next step, you see all monitoring categories which are available for the system, depending on the system type and the installed software components. Some recommended standard monitoring categories are preselected.
Select the monitoring categories in scope.
Available Monitoring Categories
The available monitoring categories are:
After selecting your monitoring categories you have to maintain filters to define what exactly you want to monitor. Some monitoring categories come with standard filters that usually just select all items of this monitoring category. SAP Focused Run can handle this high amount of monitoring data, so you can stick to this standard filters. Or you can set up filters of your own. You can create more than one filter for a monitoring category.
Available Filter Options
ABAP Application Log
For Application Log monitoring it is not possible to collect all application logs without any filter, at least the object and sub-object have to be restricted:
The setup of the filters for the monitoring categories only makes sure that the data is collected, however, alerts are not created automatically. To create alerts and notifications you have to create an alert individually. If you didn't use specific filters in the setup before, but rather opted to collect all data, you have to create filters for the alerts.
In the next sub-step, you have to maintain the filter. The filter values are the same as described above. For some metrics, you have to maintain metric parameters. Find details below in the overview of the available metrics.
In the last sub-step you have to activate the alert:
For single exceptions, the threshold type is always 'Already Rated'. This means depending on the calculation frequency the number of exceptions is checked and an alert is created if this number is bigger than 0. If you want to reduce the number of alert for these metrics, you could increase the value for the calculation frequency to increase the time between checks.
Available Metrics
For Application Log the following metrics are collected:
ABAP Application Log


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Tutor profile: Stephanie R.
Stephanie R.
Eager to help!
Tutor Satisfaction Guarantee
About Stephanie
About Stephanie
I'm a dedicated student at the University of Houston with a passion for innovation and problem solving both in and out of the classroom. Starting Fall 2016, I will embark upon senior level classes in my chemical engineering degree plan. I am looking forward to open-ended projects and challenges. My degree enables me to engross in heavy math, science, and physics based courses. As a proud student in the Honors College, I am also skilled in literary writing and technical writing.
Teaching Experience
Teaching Experience
As listed in my work experience, I had the great opportunity of guiding high school girls in understanding the various fields of engineering. I taught them code programming in the lab for a fun robotics course, and I also taught them the five steps of problem solving. I lead them in engaging activities intended to apply those five steps. I am also involved in leading similar hands-on activities in several outreach events with the Society of Women Engineers. I have educated groups of students in elementary school, middle school, and high...
University of Houston
Chemical Engineering
Bachelor's Degree
2012 - 2017
Work Experience
Work Experience
University of Houston, Undergraduate Research Assistant
2015 - Present
• Customize synthesis conditions such as temperature and composition of the FAU framework aimed to increase the silicon-to-aluminum ratio (SAR) through organic structure-directing agent (OSDA) free synthesis with the goal of improving its catalyst role and lowering synthesis costs; Analysis of X-ray diffraction patterns and Scanning Electron Microscopy images to characterize zeolite designs
University of Houston, Music Librarian Assistant
2014 - 2015
• Exceeded the diverse needs of over 100 student and faculty members • Resolved technical problems concerning computers, scanners, and printers and the multimedia cart for graduate classes; Implemented patron solutions such as protecting student accounts and developing the student resource center; Received the Top Shelf Reader Award in the Fall of 2014
University of Houston, G.R.A.D.E. Camp Mentor
2014 - 2015
• Mentored over 30 high school girls in developing problem solving skills and lead interactive activities in water filtration and polymer plastics; Facilitated groups in writing code to operate robots using motors, light sensors, and ultrasonic sensors • Guided groups in compiling an educational presentation and applying public speaking skills to college professors and industry engineers
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A lesson is virtual lesson space on our platform where you and a tutor can communicate. You'll have the option to communicate using video/audio as well as text chat. You can also upload documents, edit papers in real time and use our cutting-edge virtual whiteboard.
How do I begin a lesson?
If the tutor is currently online, you can click the "Start Lesson" button above. If they are offline, you can always send them a message to schedule a lesson.
Who are TutorMe tutors?
Many of our tutors are current college students or recent graduates of top-tier universities like MIT, Harvard and USC. TutorMe has thousands of top-quality tutors available to work with you.


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Wally Lamb: The Healing Power of Story
Listening to women in prison share their stories inspired him to write again.
Posted Feb 10, 2014
More than two decades after his tales of trauma and redemption catapulted him to literary success, best-selling author Wally Lamb is still inspired by the human struggle—and the power of story to heal. From giving voice to the suffering of a traumatized overweight girl in She's Come Undone to exploring mental illness and family abuse in I Know This Much Is True, the novels of Wally Lamb have spoken to a generation of readers who recognize their own struggles within his characters. But it may be through his work teaching writing to women prisoners in Connecticut that Lamb, a former high school English teacher, most embodies the idea of the healing power of storytelling.
"So many of these women had dark secrets from their past. I could see they were getting better—stronger—as they let those secrets go and found their writing voices," says Lamb, who also edited two critically acclaimed collections of inmates' essays. "I could see their burden lightened."
Lamb says he was facing his own struggles when he began volunteering at the prison. He'd been stricken with writer's block, unable to find his footing on a novel he was under contract to complete. And he was sinking into depression as he coped with moving his parents into a nursing home and adopting his emotionally challenged four-year-old nephew.
It was his writing class of prisoners who inspired him to start writing again. And getting back to work—on the novel that eventually became The Hour I First Believed—helped him overcome his struggles. "I did experience the lifting of my depression while writing for five or six hours each day," he says. "I became immersed in somebody else's life."
Lamb's power as a storyteller seems to come from that ability to fully dive into the minds and hearts of his characters, as well as from his willingness to hold his heart open to the pain and hardship of others. "I don't love to write, but I love figuring out what's going to happen to these characters I worry about," he says. "I feel parental toward them, and I worry that they'll come out okay. Some of my best days are when they surprise me."
In addition to Lamb's work at the prison, Lamb gives back to his readers and other writers when he can. "The real gift of having my first two novels chosen as Oprah favorites was all of the letters from readers I started receiving—even more than the royalties or the fame," he says. "I still have barrels of letters, and I answer every one."
One letter that caught Lamb's attention came from a young man who said he'd recently been released from a psychiatric hospital, just like Dolores in She's Come Undone.
"He was a 'razor man,'" Lamb says. "He started cutting himself after college. [He said] Dolores helped to save his life."
Lamb struck up a correspondence with the man and encouraged him to write about his experiences. David Fitzpatrick went on to write the critically acclaimed memoir Sharp.
Lamb says his work teaching prisoners and mentoring writers isn't just a side project; he considers it to be deeply connected to his literary success. "Creativity and altruism are boiled down to action and reaction," he says. "If you have enough creativity to create a novel that's widely accepted, that requires a reaction from you."
Most of this material is taken from an article Jennifer Haupt wrote for the November/December issue of Spirituality and Health Magazine. Read about Wally Lamb's newest book, We are Water.


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Dr Ahmed Twahir
Hon Chairman
Dr. Ahmed Twahir graduated from the University of Nairobi...
Dr John Ngigi
Hon Vice Chairman
Dr John Ngigi is a senior medical specialist and the current head...
Dr Wambugu Maranga
Hon Secretary General
He is a Consultant Physician and Nephrologist in Nairobi...
Dr Cheptinga Kipkurui
Cheptinga K Philip completed his medical school...
Dr George Moturi
Hon Treasurer
Dr Moturi Completed his undergraduate and...
There are 6 main subcommittees of the Kenya Renal Association.
- Strategic planning and development
- Dialysis
- Transplantation
- Renal research and registry
- AKI, CKD and Nutrition
- Education and fellowship
Chair – Prof. Seth McLigeyo
Scope and objectives of the subcommittee.
- Review the KRA constitution and present the same for discussion and adoption to the KRA membership.
- Develop a strategic plan to guide the activities of the association for the coming years.
- To identify and pursue collaboration with organizations that will aid the KRA in meeting its objectives.
Chair – Dr. Doris Kinuthia
Scope and objectives of the subcommittee.
Regarding PD practice
- Establish PD as an acceptable and accessible mode of RRT
- Prepare relevant guidelines to ensure quality PD practice
- Propose models towards making PD reimbursable by the NHIF
Regarding HD practice
- Prepare relevant guidelines to ensure quality HD practice
- Prepare relevant tools for monitoring of the HD units to ensure adherence to quality standards
- Propose better systems of interacting with the NHIF on reimbursements
Chair – Dr. John Ngigi
Scope and objectives of the subcommittee.
- Engage with the Ministry of Health towards creating regulations to guide the operationalization of the expanded kidney donor program in Kenya to include both non – related live kidney donors as well as deceased kidney donors.
- Propose measures to make transplantation fully reimbursable by the NHIF including both pre – and post – transplant care.
- Come up with guidelines that ensure quality transplant practice and define referral procedures.
Chair – Dr. Jonathan Wala
Scope and objectives of the subcommittee.
- Establish and maintain registries on various renal conditions countrywide
- Analyze and circulate relevant data emanating from the registries
- Facilitate research by membership on all aspects of renal medicine
Chair – Dr. Hussein Bagha
Scope and objectives of the subcommittee.
- Formulate guidelines on major aspects of AKI and CKD care.
- Formulate nutrition guidelines for various renal conditions.
Chair – Prof. Joshua Kayima
Scope and objectives of the subcommittee.
- Establish linkages with various institutions and organizations that provide training and mentorship opportunities in various aspects of nephrology.
- Assist qualified physicians and pediatricians apply for nephrology fellowships both locally and externally.
- Assist local health facilities source expert mentors to help in specific areas of practice and need.


text:
By Hossam Mounir
Banque Du Caire intends to pump $60m into the Egyptian Electricity Holding Company's loan. The loan is worth $521m, coordinated by Banque Misr, according to Mounir El-Zahid, Chairman and Chief Executive Officer of Banque Du Caire.
"Projects of electricity and energy come on top of the projects the bank is interested to fund, due to their positive impact on pushing development and meeting the urgent needs of citizens," said El-Zahid.
El-Zahid added that the aim of pumping the fund in favour of the Egyptian Electricity Holding Company is to build the power plants needed for the third electricity emergency plan of 2015. The plan is to add 44 power units with a total capacity of 2,672 MW, which would significantly contributes to solving the electricity crisis in summer 2015.
El-Zahid clarified that it has been decided the bank would sign joint funding operations worth over $3bn in the next period. The decided agreements would be directed to funding a lot of vital projects in the country.
Ayman Mokhtar, Head of Corporate Banking at Banque Du Caire, said the Egyptian Electricity Holding Company loan is one of the largest joint funding operations granted by banks in Egypt to the electricity sector. This reflects the level of trust of the local funding institutions in theusefulness of these projects.
Mokhtar added that the funding period is five years from the contract's signing, with the supplying and building operations of all the plan's units expected to be completed before next summer.


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There are two thick, black rain clouds that love to dump it down on a family holiday – the holiday blues that make you cry on your return to reality and the cost of holidaying that seems to be getting more expensive… unless you know where to look.
The exchange rate is dreadful, buying a sandwich from the terminal's W H Smith requires a mortgage and even driving past an airport now costs £10 or so. Basically, it sucks. However, there are ways in which you can save – and save big – and that is what we are going to cast some light on… right… now.
One Word: Skyscanner
When you fly has the biggest impact on how much you pay for flights. The month you fly, the week you want to be away, the days you choose and even the hours you depart can all differ wildly. That is where Skyscanner steps in to save the day by offering you flight prices across the entire month. Whether or not you agree with The Telegraph's opinions is irrelevant right now because what matters is the fact they reported the chance to save 400% on flights using Skyscanner.
Two Words: Airbnb Please
You probably love your kids. Don't worry, it's fine, we all grow attached to these little sleep thieves as time wears on. However, you probably don't want to be cooped up with them in a hotel room while you're away. But hotels are so expensive you have no choice, which is why you should visit Airbnb. You'll be amazed at you find within your budget. Not only that, but you'll get the authentic experience of staying in someone's home. None of those sterile hotel suites.
Three Words: Amazing Travel Tips
When you touch down in your chosen destination – smiling from ear to ear because you saved the equivalent of six months rent using Skyscanner & Airbnb – your next most frightening expense is getting around. Public transport is obviously a great shout, but having kids is all the adventure most parents need. That is where being coupon savvy comes in because getting yourself some free uber codes can be super epic. If you do go down the car hire route, though, make sure you don't get anything bigger than you need and ask for a diesel. Diesel works out cheaper.
Four Words: Go Your Own Way
The more you can do on your own the more you are going to save. That's pretty much how it goes. You know the kind of things we mean; weighing your luggage before you leave the house, taking your own food onto the plane, cooking your own evening meals, arranging your own excursions when you go on day trips, walking places when you can, buying day passes to places and whatever else you think falls within this bell curve. It makes sense that this would be cheaper because, when you don't, you end up paying other people for a service. So just do the cheapskate-DIY-thing and pinch those pennies. It's super-satisfying.
* This is a collaborative post.
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text:
Shobhana Chandra and Steve Matthews
Monday, 05 August 2013 08:51 PM
Americans have made progress putting their finances in order and are ready to borrow again, giving the world's largest economy another driver of spending and growth.
Household net worth soared to a record high in the first quarter, Federal Reserve data show, and the financial-obligations ratio relating consumer debt to income matched the lowest in 33 years. Consumer loans are rising, and the American Bankers Association reports the share of delinquencies on bank cards is the smallest since 1990.
"Household finances are in the best shape in decades," said Joseph Carson, director of global economic research at AllianceBernstein LP in New York, with $435 billion in assets under management. "We now have a creditworthy borrower. It's a powerful ingredient" for the U.S. expansion and "definitely a step up from where we have been."
Credit is thawing gradually for residential mortgages, one reason new-home purchases in June reached the highest since 2008. Lenders also are easing standards for auto loans to expand the pool of buyers and drum up more business. That has put car sales on track for the best pace since 2007, helping companies including General Motors Co., Ford Motor Co. and parts maker Lear Corp. to report better-than-estimated earnings.
Gabriela Magallanes, 23, a Raleigh, North Carolina, hospital research assistant, bought a black 2013 Hyundai Elantra in May after her 24-year-old car broke down. She tapped the auto manufacturer's finance subsidiary for a 60-month loan at 2.9 percent, with monthly payments of $337.
Making Payments
"It was the best thing for the buck," said Magallanes, whose $19,000 purchase has Sirius XM Radio, Bluetooth-enabled hands-free calls and seat warmers among its features. "I definitely could not have gotten a better rate," and "felt very secure I could make my payments."
Total consumer borrowing climbed by $19.6 billion in May, the biggest gain in a year, as Americans charged more purchases on credit cards and increased school and automobile loans, Fed figures showed.
Households may become even more open to taking on debt as property values appreciate, stock prices hover near a record high and improving job prospects boost confidence. Payrolls rose by 162,000 in July, and the unemployment rate fell to a more than four-year low of 7.4 percent.
The U.S. is entering a new, "stronger growth phase" as healthier finances revive borrowing, Carson said. Credit will spur consumer spending, the biggest part of the economy, generating business investment and jobs to extend the expansion well beyond a fifth year since the recession ended in June 2009, he said.
Investors Benefit
The credit-driven cycle also is good for investors, said James Paulsen, chief investment strategist in Minneapolis for Wells Capital Management, which oversees more than $340 billion.
The improving outlook could help give the Standard & Poor's 500 Index "another nice run of double-digit gains" in 2014 after an advance of as much as 20 percent in 2013, he said.
Shares of financial companies such as banks "will continue to outperform as they're right at the heart of the credit- creation process, which is becoming noticeable," he said. The S&P 500 Financial Index of 81 institutions is up 26 percent this year, compared with a 20 percent increase for the S&P 500.
Industrial, materials and technology stocks also are good bets in this environment, according to Paulsen. While consumer cyclicals have less room to build on their already outsized increase, if unemployment falls close to 6 percent, "all of a sudden you'd see a lot more demand for credit" and spending.
'Unusual' Confluence
An "unusual" confluence of three metrics is sparking the rebound in finances, laying the foundation for the credit upswing Carson said he anticipates in the next year.
Household wealth measured by net worth soared to $70.3 trillion in the first quarter and may have set a new record in the second, he estimates. It has rebounded almost $20 trillion from its recession low point. As of March, the two-quarter average for the financial-obligations ratio was 15.2 percent, matching the lowest since at least 1980, according to Carson's calculations based on revised income data issued last week.
Americans also have more readily available funds to cover what they owe. Household liquid assets -- financial assets excluding pension and insurance reserves -- rose by $10 trillion in the past four years, and the ratio of coverage for liabilities is 2.43, the highest since 2000, Carson said.
Take Risks
"We're starting to see consumers willing to take more risk and spend" because these indicators "are all very, very strong," he said. "This will be a more-sustainable recovery because we have these pillars in place."
Bank of America Corp., the second-largest U.S. lender, reported a 63 percent jump in second-quarter profit and said its credit-card issuance is the highest since 2008, while average retail spending on active card accounts rose 9 percent from a year ago.
"You've seen growth in our lending across the board, and that indicates that people are willing to take risk," Brian T. Moynihan, chief executive officer of the Charlotte, North Carolina-based bank, said on a July 17 teleconference. "A year ago, people were not using lines and weren't asking for a lot of lines, and that's changed in the last couple quarters."
Visa Inc., the biggest bank-card network, reported a fiscal third-quarter profit that beat analysts' estimates, helped by growth in U.S. debit- and credit-card purchases.
Affluent Consumers
Affluent customers have "been the driver of the credit spend that we have been reporting over the past year," Byron Pollitt, the Foster City, California, company's chief financial officer, said on a July 24 earnings call. "In the last quarter or two, we are starting to see some participation from the next income cohort down."
American Express Co., the largest credit-card issuer by purchases, Discover Financial Services, and MasterCard Inc. also reported better-than-estimated quarterly profit.
Bank-card delinquencies dropped to 2.41 percent of accounts in the first quarter, the lowest since June 1990, and payments 30 or more days overdue fell in 11 of 13 categories, according to the American Bankers Association.
"We're on the cusp of this trend" toward more risk- taking, said Keith Leggett, the Washington-based association's senior economist. "We're starting to see an improvement on both the demand and supply side of credit. The consumer will become a bigger contributor to economic growth," and "credit will play a supportive role in that."
Loan Requests
Lenders also are responding to the U.S. outlook, according to Daryl Moore, chief credit officer at Evansville, Indiana- based Old National Bancorp. "Now that we've moved into a period where there is probably less uncertainty with respect to the economy, you can take on a little more inherent credit risk" compared with a year or two ago, Moore said on a July 29 conference call with analysts.
Domestic banks generally reported easing their lending standards and experiencing stronger demand in most loan categories during the past three months, the Fed said in its quarterly survey of senior loan officers released in Washington yesterday.
Credit demand and supply have been slow to recover because the housing rebound was delayed, unlike after most recessions, Carson said. Now home sales are rising, foreclosures have waned and banks are more willing to lend against an asset that's gaining value, he said.
Rising Prices
Property prices may jump 11.8 percent this year after climbing 7.3 percent in 2012, and mortgage debt as a share of disposable income -- 76 percent as of the first quarter and the lowest since 2003 -- will continue to fall, said Michelle Meyer, a senior U.S. economist at Bank of America in New York. House- price gains have translated into a $1.8 trillion boost to household wealth, recovering almost one-third of the cumulative loss since the peak of the real-estate boom, she said.
"Consumers feel wealthier and more comfortable spending today in the anticipation of wealth in the future," Meyer said. This effect, which is "fairly modest now," will provide a bigger lift to consumption over time as the housing recovery helps to "heal households' balance sheets, which ultimately will allow for greater credit creation down the line."
Carson said the rebound in housing and employment needs to be sustained for credit to pick up. Consumers have learned it isn't good to take on too much debt, so "there probably won't be a rush to spend; it'll be gradual."
Emergency Fund
Daniel Hurst, 22, a website designer who graduated in December from Georgia State University in Atlanta, wants to replace his 10-year-old Toyota Camry in the next year, build up an emergency fund and maybe buy a new home down the road. So he's setting aside about 10 percent of his income for savings.
"It is still going pretty good, but the car is on its last legs," Hurst said, adding that the vehicle has 170,000 miles. "When I need to get a car, I will have the money and it won't break the bank."
The improvement in borrowing and lending is "not strong enough to get front-page coverage yet," Wells Capital's Paulsen said. "Credit was a bad thing for so long, it is just now starting to become OK again." While that view may change over time to "it's great, job-creating credit is back," he doesn't anticipate "another bubble economy or another Gordon Gekko" environment, referring to the fictional character who came to personify unrestrained greed in the film "Wall Street."
Near Zero
Mortgage rates have climbed from historic lows recently in anticipation of the Fed's plan to pare asset purchases. Even so, Americans may see "almost no effect" on the costs of credit cards and auto loans because those are linked to the target federal funds rate, which the central bank may keep near zero until 2015, according to Barry Bosworth, an economist at the Brookings Institution in Washington.
Meanwhile, "the Fed has to be pretty pleased with the dramatic improvement in household finances" that will help keep this expansion going, Carson said. It indicates that over time, policy makers "can provide less accommodation."
The pickup in credit is noteworthy, he said, because "you can put in all the easy monetary conditions you want but at the end of the day, if the consumer doesn't take advantage of those and banks aren't willing to lend, nothing will work."
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During your exchange, you continue to be registered at your home institution and pay tuition fees there. You do not pay any tuition fees to the institution that is hosting the exchange. However, you should allow for the cost of accommodation, maintenance and additional study costs, such as excursions.
To assess your suitability for our exchange programme, you need to upload your portfolio using our portfolio machine. Next to a selection of your visual work, you will need to fill in your personal details using the online portfolio machine and also upload the necessary documents there.


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Mobile Apps on Many CIO's Mind
As evidenced by the recent announcement by major telecom vendors of their Wholesale Applications Community, enterprises and vendors are eager to promote the App Store model. IT Business Edge's Carl Weinschenk recently reported on the online marketplace for applications, stating that "the maturation of the application stores is happening in parallel with an increasingly furious race to introduce the hottest new device."
Some enterprises are already considering the development of mobile applications as part of their IT strategies. Users have come to expect connectivity anywhere, and businesses are struggling to match that expectation with business functionality.


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- Stopgap is a Maximal in the Beast Era portion of the Generation One continuity family.
Have you seen me?
This character needs some sort of visual representation. If you have one, please replace this.
Stopgap is a highly trained member of the elite Maximal Command Security Force. His job is to uphold the will of the Maximal Imperium on Cybertron in the name of the Pax Cybertronia. Having honed his skills as a private investigator, forensic scientist and crime scene investigator on the planet Edaps, Stopgap can find out a lot about a crime with even the scantest of clues. However, he tends to get so wrapped up in his own work that he unintentionally ignores things that are happening around him.[1]
- Stopgap — like all of the MCSF — uses the Cybertron-series Clocker toy as a base (with a modified Machine Wars Skywarp/Thundercracker head), though no official Stopgap toy exists (and probably never will). His color scheme is based somewhat loosely on the Beast Wars II Maximal Diver.
- ↑ Official Transformers Collectors' Club site members' section, 4/27/07
Community content is available under CC-BY-SA unless otherwise noted.


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People evolve the etiquette of conversation
The etiquette of conversation is basically showing what your worth. It has come to the point of what we see today. Maybe it was vicious and destructive. Maybe it had been never being so. But the fact of a matter is, we see it today of what it is. The conversation has been developed to the very high state. And we the people must preserve this heritage for the next generations.
There are all kinds of people nowadays. It is always important though to be nice to people. But only once, as a warning. There is no need to be repetitive. They all understand of what is happening, but differently. Etiquette of conversation requires for both parties to agree on the discussed statement. If both of them agree, it is a win-win situation. If they don't, the weakest part have got to come up with it. Even at the expense of one's own experience. How they are going to understand it, is left on their own discretion. Responsibility is quite singular but not limited to.
Those who hire, order the subordination and obedience. The market is overwhelming with cheap labor; it is quite easy to find replacement nowadays. Thus, it is advisable to follow the rules for the seeking part. If they really want to integrate to the highest society and be recognized as a part of the market. It is extremely important to follow the etiquette of conversation. Those who really wanted it, easily integrated to society, despite the lack of the resources that play significant role in the fast paced consuming world.
Todays' technologies lead to a new level of conversation and interaction with each other. Developed conversation consists of two or more people interacting between each other having integrity, and it happens when they are all good and ready for that. They have to put up with conditions, get up on time, wash up their faces, condition themselves up, brush teeth and then have a place in community. It is just the way it is.
Time management requires an etiquette of conversation. That's the way people exist with each other. Technologies help to get along faster. There is no need to rush. One can contact anytime, or have a postponed conversation. There are no obligations whatsoever.


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Atlanta Green Maids is actively looking to add highly skilled and passionate people to join its team. We have a growing demand of clients in the Atlanta area that demand top-notch service every time. We are committed to providing the best customer service to our clients.
To maintain our high standards of service and performance we have a selective screening process when deciding who to work with. If you feel up to the challenge submit your application today!
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- Fluent in English
- Able to accommodate a wide range of client cleaning requests (deep clean, oven cleaning, green cleaning)
- Daily access to the internet and a smart phone.


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Howard County Recreation & Parks held their first Pickleball tournament the weekend of Aug. 5th & 6th. They had 128 participants over a two day period. It was a big success and we heard a lot of good comments on how the tournament was run.
We requested Lewis Lorton to photograph the event and both Duane and Earl took pictures as well. You can access Lew's site where the pictures are stored by using the following links. Additionally, HCR&P also took pictures and have posted them to Flickr; see the link for those below.
- Lew's groups of pictures - http://lewlortonphoto.com/f588458127
- Lew's slide show of pictures - http://lewlortonphoto.com/p1069082799/slideshow
- HCR&P pictures - https://www.flickr.com/photos/hocorec/sets/72157684949770750
Note: When using these links - it loads in your current tab - to return to the HCPA website you need to click on the back arrow on the upper left side.
Hopefully this will be an annual event.


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***Disclaimers: AGAIN, I'm not a clinically trained medical or mental health professional, NOR do I have an educational or credentialed backround in ANY way, in public safety or law enforcement.
I'm not going to touch upon the horrific terrorism that killed 10 people yesterday and injured approximately 15 people, in Toronto, Canada, yesterday.
Nor am I looking to discuss where I've seen briefly on social media, that this particular tragedy could be used to promote a pro-gun agenda (which I'm not necessarily against except when I am, as discussed ad nauseum in other blogs) nor am I looking for the actions of a police officer, who was reluctant to possibly shoot an armed suspected mass murderer, to make a point for those officers in the U.S. who've shot unarmed civilians, where others are using this tragedy to make a point for that cause, as well.
I'll actually be surprisingly on point, with a serious opinion and whether it warrants a future discussion by law enforcement professionals in future similar situations, on the off chance, I've missed similar opinions to mine***
I'm sure that my blogs and my skill sets ARE NOT going to have anyone in law enforcement or public safety, locally, nationally or globally, in a hurry to hire me, anytime soon.
It's not for me to say, in yesterday's horrific tragedy, whether or not, the Toronto police officer who captured a mass murderer/domestic terrorist, of whether his judgement was off in NOT shooting the suspect.
That Toronto police officer, is a HERO.
BUT, I have GRAVE concerns, that this could set a dangerous precedent in future tragedies, because if someone has the ability and desire to kill as many innocent people going about their day, as possible, they'd have NO problem, shooting an a police officer, when apprehended.
I'm going to have to assume, that police officers, whether in the United States or globally, when faced in dangerous situations, will use their best judgement in life or death situations, with others or in the matters of their own lives, when at risk.
I'm not trying to take away anything from a heroic officer, but because I feel that his exact judgement in another circumstance could lead to a police officer fatality/fatalities and/or more civilian fatalities, on what was already a horrific tragedy.
I AM just saying this perhaps warrants further discussion in the law enforcement communities, globally AND how it's being reported by multiple media outlets, of when police officers choose to or not, shoot potentially armed violent criminals.
Note: I will NOT publish anything that's not constructive. I have NO problem being usually a wordy anti-homicide activist who cares about innocent people and law enforcement, especially in life or death situations. Thanks!!!


text: Azerbaijan is located in NW of Iran. People of this region have their own magnificent recipes. This is one of those. It is called 'Azari cabbage aash or kalam aashi in Azari language. Maybe you ask what is aash ( aush) ?? In Iranian cuisine there are two kinds of liquid food. Aash is a thick… Continue reading Cabbage aash ( ash-e kalam Azari)


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New immunizations required for rising Grade 7 students
Effective with the 2014-2015 school year, students entering Grade 7 are required to receive MCV4 and Tdap vaccinations, in addition to other school immunization requirements. BCPS encourages parents to provide schools with updated immunization records before Monday, August 24, the first day of the new school year. Learn more about help getting the needed immunizations.


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AUGUSTA, Ga. - We're now left to wonder if someone — Phil Mickelson comes to mind — can do what waitresses, party girls and bimbos apparently couldn't: whip Tiger Woods.
From a golfing standpoint, he's scandal-tried and tested and come out unscratched, without a trace a blood. This is what Thursday and Friday have taught us.
The evidence is in and a conclusion has been reached: Five months in tabloid hell wasn't enough to turn him into your ordinary, middle-of-the-pack hacker on the PGA Tour. When it comes to Tiger and the others, nothing has changed. He's Tiger, they're not. He's bearing down on the tournament lead and continuing his chase of Jack Nicklaus' record. They're nervously watching him make his move. Maybe the scandal changed him as a person. It hasn't touched him as a golfer. It couldn't penetrate that elephant-like armor.
He's tied for third place, two off the lead. This is the fourth time at the Masters Woods shot this well after two rounds, and he won all four. He's also slowly pulling the dialogue away from his tainted recent past. He knows that in sports, winning has a way of deodorizing the stink. So the stakes in this tournament are somewhat higher than most others.
"I usually put myself in contention here," Woods said, "and this year I'm right there."
When he's in his element, it's hard to imagine Woods crashing into a fire hydrant and a tree. That happened to him in his personal life. It doesn't in golf. There's a difference. And so, with his focus and concentration squarely devoted to making 10-foot putts this weekend, who or what's gonna keep Tiger from being in the hunt on Sunday?
The Augusta National course itself? No chance. It can't be tricked up to trip up Tiger and not anyone else. The last five years he has finished in the top six, twice at No. 2.
A challenge from another golfer on the leaderboard? Lee Westwood, Ian Poulter and Anthony Kim are all solid and capable players ... who have exactly zero major championships combined. The ageless and wonderful Tom Watson? Going, going ... Fred Couples? Gone.
That leaves ...? Of course, Phil Mickelson.
Mickelson staring down Tiger on Sunday afternoon would be made-for-CBS, the perfect finale for this tournament, given the circumstances leading up. And who could forget last year? Tiger and Phil, paired in an intense final found, trading punches, storming toward the lead before Tiger bogeyed 17 and 18 and Phil missed a short eagle putt on 15 and they both caved to Kenny Perry and eventual champ Angel Cabrera.
You can even see the contrasting backdrop materializing for a potential repeat performance.
Phil: Fuzzy, family guy who's deeply affected by his wife Amy's courageous ongoing battle with breast cancer.
Tiger: Careless cad who chased countless tail during his marriage and made life miserable for his wife, who remains in hiding.
Phil: Crowd favorite who's raking in the endorsement dollars.
Tiger: Late-night butt of jokes who's playing this tournament without a corporate logo on his bag.
Phil: Sentimental shotgun-rider who's always reduced to a supporting role in any golf drama involving Woods.
Tiger: Fist-pumping favorite whenever he tees it up.
Anyway, this tournament is allowing Woods to lash back at the tabloid media coverage and his critics without actually saying something. When addressing his reckless behavior, he has no choice but to shovel mea culpas and apologies. But not with a driver in his grip. The only way he can channel any frustration is through golf. And he'll actually be applauded for producing results. Strange how that works.
Plus, the only surprise here is why people are surprised. He took five months off, not 10. He went to rehab for his night-time activity, not his daytime job. He didn't play any tournaments leading up to the Masters, but in an ordinary year, he would've entered only two or three warm-up tournaments anyway.
"I had to be more focused on my practice sessions," Woods said. "It would've been nice to have an actual normal schedule. I had to make sure I got everything I possibly could out of every practice session."
He's finding fairways, seems to have his putter fixed, and smelling a chance to notch another major victory. Like old times again. There's a reason why the first round drew a record number of viewers (for cable) and why millions of folks will put aside their baseball fetish this weekend. People want to see Tiger do what he does.
There does appear to be a bit of anticipation about Sunday and the possibilities. Only one player can make that happen. Therefore, dare we say that, after poking fun at him and tsk-tsking him and verbally slapping him for being such a poor role model, we are ... rooting him on?


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Seventeen degrees but sunny and no wind so it did not feel that cold. Yesterday we had come here but the road into the parking lot was not plowed and the meadow was a struggle for Kelley so we went to Essex Woods - more deep snow so we went to the dog park there. Today the road was still not plowed but there had been enough people across the meadow for a path to be packed down a bit. At the parking spot we met one of Kelley's friends, Katurah and her person and walked a ways with them
Unfortunately the beaver pond was frozen so no swim for Kelley.
We parted with our friends at the West Trail as they were taking a different route. It was a beautiful day in the woods so you will have to pardon the excessive number of pics.
When we got to the junction of the Main Rd. rail bed we found only a skier had been on the rail bed and Main Rd. and it was not plowed
We had passed our side trail between West and the rail bed and knew no one had been on it so we didn't want to do the rail bed and decided to slog down Main and hope the Loop Rd. was plowed.
Kelley seemed in good shape and not struggling with the snow and we found the Loop Rd. had been plowed
An unused side trail
We took a little connector from Loop back to West Trail and then back the way we had come.
Kelley waiting as I climbed the hill from the pond
And a look back down toward the pond
A nice hike on a beautiful day we met several people and dogs and the sunny weather seemed to leave everyone in a good mood. 2 hours


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Fishing your home lake can be a double-edge sword.
When conditions get really tough it can be an advantage because you know places that typically hold fish and you know what the fish do when you have a big weather change.
It's really an advantage on lakes where blueback herring is a major forage or even smallmouth lakes where you kinda know what smallmouth do with different weather changes.
But St. Clair is a different animal because it has a vast playing field. You not only have Lake St. Clair, but there's Lake Erie, Huron, the Detroit River and St. Clair River. Each one is different in many ways, plus the large area makes them hard to practice thoroughly during the three-day practice period.
The forage base is diversified, too. You have perch, bluegills, alewives, gobies, emerald shiners and crayfish so you really have to dial into the specific forage the base are targeting at that time. On Southern lakes, you've pretty much got shad, some bluegill and crawfish.
So, yes, I felt pretty good about my chances coming into this event. I figured my knowledge and experience would help me out.
I was here with my boys prior to the practice cut-off, and we caught them well on St. Clair. We had doubles and triples on, and the fish were fat and healthy.
I knew St. Clair was the place to fish. Making long runs into Erie and Huron can be risky and you can win at St. Clair.
But a lot has changed in a month and perhaps my history here has hurt me.
The St. Clair fish are in poor shape and that amazes me. Something is wrong with the forage. The lake is producing 20-inch fish with sucked in bellies. They're running a pound less in many instances.
I've never seen this before and I'm completely blown away by how the condition of these fish has deteriorated in five weeks.
This tournament serves as another example of why keeping an open mind is so critical and how the so-called home lake advantage can hurt you.
It gets harder and harder for me to not think about the past and fish from memories. That's not only the case here but at the other lakes we fish on the Elite Series.
Elite pros unfamiliar with this fishery went online before the cut-off and saw that most of the local and regional tournaments were being won on Erie fish. That led them to the decision to run there, and they're being rewarded for it.
Erie and the rivers are producing healthier, fatter fish, but I have to stay with St. Clair. I haven't fished Erie for five years and didn't even bring those waypoints with me. I know places down there, but it wouldn't be right for me to go there and fish in the area of one of the leaders.
So, I will stay with my plan on St. Clair and hope for the best. One positive note is the weather could change and that might affect the guys running elsewhere. I know what to do on St. Clair, but to have a chance, I've got to find and catch bigger fish. I found some in practice but they didn't bite yesterday. Can I catch 22-plus pounds? No, but if the leaders slip up I can be in the hunt.
My goal is to gain ground each day, make the cuts and hope that the anglers fishing other waters stumble. It's going to be a tough uphill climb but I'm up for the challenge!
Remember, it's all about the attitude!
Kevin VanDam's column appears weekly on Bassmaster.com. You can also find him on Facebook and Twitter.


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Friday night, our church had a Good Friday Service - the first I've been to in several years! Following the service, we walked out to this amazing sunset and just stood there for a little bit enjoying God's creative masterpiece.
Loren and I made brunch together Saturday morning, and it was all so perfect! He whipped up & flipped the pancakes while I put together some Panhandle skillet dishes.
Sunday morning we celebrated Christ's resurrection and gift of salvation at church, then came home to a traditional ham dinner.
Sunday afternoon my sister Crystal and her family came over from Ohio to stay at Dawn's for a couple days. Loren and I went over for dinner Sunday & Monday night and it was such a blast having everyone together! I've missed my sisters so much. The four toddlers/babies kept us all entertained quite well. So much commotion going on! Can't wait till our parents + all the siblings + spouses + children are all together again!
I hope you all had a blessed Easter weekend with family remembering/celebrating all that Christ did for us!