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If you stop and think for a minute about how banking actually works, you can't help but conclude what an extraordinary business it really is and how lucky big banks like Bank of America, Wells Fargo and JPMorganChase are to be at the top of it.
In 2016, these three financial institutions together raked in $65 billion in net income, which is after paying out a total of $75 billion or so in compensation and benefits to their employees. This does not appear to be an industry suffering in the least.
As regulatory relief appears to draw near, what should we ask of big banks in return for the extraordinary franchise we, the American people, have granted to them?
The raw material of banking, by and large, is the money you and I deposit in banks. The banks, in turn, take our deposits and lend that money to people and businesses all over the world that want it, or need it, and are willing to pay a fair price to get it.
The alchemy of capitalism is that they use these loans, which of course must be paid back, to start and expand companies, to build plants and equipment, and to hire employees and, it is hoped, pay them higher wages. The difference between what banks pay depositors for use of their money and what banks charge borrowers to get this money is known as "the spread," and forms much of what becomes the extraordinary profits described above. (There is more to it than this, of course, but you get the basic idea.)
For some reason, which does not make a whole lot of sense, we collectively are willing to give the banks this raw material essentially for free. If you look at what the banks are paying us for the use of our money, it is about as close to nothing as you can get, and has been for years.
In 2016, according to The Wall Street Journal, Bank of America paid depositors an average of 0.08 percent a year on their interest-bearing accounts, about half of the average paid by Wells Fargo and JPMorgan on their collective deposits of trillions of dollars.
These are very small percentages. What other industry on the face of the earth gets its raw material for free, or nearly for free? I can't think of any. General Motors has to pay for rubber, glass, plastic, aluminum and the electronics it uses to make cars.
By valuing our deposits so trivially, without coming out and admitting it, these three big banks are essentially saying to us that they don't want our money, that they can't use any more of it and that we should give it to a bank willing to pay us more for it. And there are such banks, as The Journal noted: Both Goldman Sachs Bank — the locus of Goldman's new effort to develop a consumer lending business — and Ally Financial (previously the financing arm of General Motors) want our deposits, and are willing to pay for them. Indeed, they are willing to pay a lot more for them. For instance, Goldman's consumer bank is willing to pay depositors 1.05 percent for their money, some 13 times what Bank of America is willing to pay its depositors.
In effect, Goldman is saying: We want deposits and are willing to pay for them. Bank of America is saying pretty much the opposite. According to The Journal, if Bank of America's depositors moved all their money to JPMorganChase, they would have been paid $700 million more in 2016. Had they moved their money to Goldman Sachs, they would have been paid a staggering $5.1 billion more. But they have not moved.
Why do we continue to enable these banks to make huge profits by giving them our money for free? Wouldn't the more rational thing be to give our money to the highest bidder for it?
The answer is not terribly complex and goes to the heart of human nature. First, inertia is a very powerful force: It's a pain in the neck to switch banks, for what seems like a minimal amount of compensation to do so. (Switching a $3,000 savings account to Goldman Sachs Bank from Bank of America gets you an additional $30 or so annually.) Second, Goldman does not make it easy to get your money back if you need it: Although that could soon change, it has no branches and no A.T.M.s. If you are a Bank of America customer, you go to an A.T.M. machine and, bingo, there's your money.
The potential problem, of course, is that your money is not actually at the bank; only a portion of it is. The bank is busy using your money to make its profits, not leaving it around in case you want it back. That's fine until depositors or consumers get to thinking that their money will not be at the bank when they want it. Then they start panicking and start demanding their money back all at the same time. That leads to the kind of financial crises we saw in 1929 and 2008, revealing to everyone what a fragile system we have constructed.
Banking in this country is at an important crossroads. Proposals are flying fast and furious about how to roll back the regulations imposed on Wall Street and community banks after the 2008 crisis. It's unclear what changes, if any, will be made.
What's needed now is a scalpel, not a sledgehammer. The current rules about how much capital a bank must have and the amount of leverage the big banks can employ are essential to retain. As is the rule that complex derivatives must continue to be traded on an exchange to facilitate knowing their value. Then there are the reforms that no one is talking about — for instance, paying depositors more for their money or changing the way bankers, traders and executives are compensated to reward prudent, ethical and moral behavior instead of risky behavior.
The big American banks have had a very nice run since the financial crisis. They are essentially an oligopoly, and they have the profits to show for it. It's time they agreed to give something back to us, the people who saved their bacon nearly 10 years ago.


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Mass Maharaja Ravi Teja who is back in the form of the movie Raja The Great continues to rock with his energetic appearance. The latest motion teaser of his Touch Chesi Chudu is terrific.
Into the details, Ravi Teja's upcoming movie Touch Chesi Chudu is in making. The first look motion teaser was unveiled this morning. Ravi Teja looks terrific and the teaser is really impressive. Seems like Ravi Teja is all set to give an action-packed movie.
Rashi Khanna and Seerat Kapoor are to appear as the female leads opposite Ravi Teja. Vakkantha Vamsi has penned the story for which Vikram Srikonda is the director. More details are awaited from the official sources.
ALSO SEE : Touch Chesi Chudu Motion Teaser Talk

subset: commoncrawl


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10% off to US Military/Lee Canyon employees. Additional 40% discount Northwave/Drake
We are proudly carrying Kemper snowboards for 20/21 season. Kemper has a solid team with riders Kurt Heine, Martin Gallant just to name a few and iconic snowboarder Kevin Jones we felt it would be a great fit to ad with our current brands Northwave and Drake along with a vast selection of preowned inventory.
Sin City Snowboards offers the largest selection of preowned snowboards, boots and bindings in Las Vegas. Every used snowboard is tuned and waxed, certified with 6 Month warranty. We also carry gear and accessories such goggles, helmets, jackets and pants. You will find almost anything snowboard related for a fraction of the price with a selection like no other. We have something for every level of rider from novice to advance. Our focus is used but we are now proudly an exclusive dealer for Northwave/Drake snowboards, boots and bindings as well as new Carve snowboard goggles
What does "changing the way you purchase snowboards mean"? It is something we believe not only true but the truth. Why spend $1000 on a new snowboard, boots and bindings if can spend a fraction of that on something comparable? The benefits to buying used also gives flexibility so if you don't like it for what ever reason in the first 30 days you can exchange no hassle. Options are nice and we give you them to you.
We are now an exclusive dealer for new Northwave snowboard boots, Drake snowboard bindings and snowboards as well as new Carve snowboard goggles. We carry the followingu used products: Never Summer, Burton, Ride, Gnu, Lib Tech, K2, Nitro, Forum, Rossignol, Jones, DC, Flow, Yes, Union, Drake , Carve Oakley, Electric, Dragon, Spy and many more. Inventory is constantly changing. If you don't see what you are looking for on our website, we most likely have it in stock. We stock over 500 snowboards, boots, and bindings. Call or text (702) 762-0713 to find what you are looking for. I am sure we have what you need.
About Us
Sin City Snowboards is the only used snowboard shop in Southern Nevada. 70% of our inventory is preowned and certified. 30% of inventory is new. We offer a rider-friendly experience that fits anyone's budget. If can't afford to pay for your gear in full we offer layaway as well for 30 days with 25% Down. We have Over 70 years combined experience. We provide riders of all levels a more personal shop experience unlike any other. No matter what your skill level we have a snowboard for you. From beginner to advanced we got you. Additionally, you can trade up your gear you purchased from us prior season and get 50% credit towards anything else in the shop. Trade up can be done anytime after the 30 days so you don't have to wait until the following season if are ready take your skill to the next level or see another item in our store that wish to trade up for.
Check out what our customers are saying about us see our 5 Star Reviews and ratings on Google, Yelp, and Facebook! ⭐⭐⭐⭐⭐
See store for details .
With over 50 years combined experience your equipment is in great hands.
Snowboards for sale Las Vegas
5025 S Eastern Ave Suite 1 Las Vegas, Nv 89119


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Civil and Human Rights Coalition: Senate Health Care Proposal Would be Devastating to Millions of Americans
WASHINGTON—Vanita Gupta, president and CEO of The Leadership Conference on Civil and Human Rights, issued the following statement on the release of the Senate Republican's discussion draft of their health care legislation:
"President Trump was right in calling the House Republican health care bill 'mean,' and the Senate Republican bill is no better. The details released today make it clear – this legislation, crafted in secret, would be devastating to the millions of Americans who rely on the benefits of the Affordable Care Act.
The changes to Medicaid alone would hit people of color and underserved populations, including individuals and families living in poverty, people of color, women, immigrants, LGBTQ individuals, individuals with disabilities, seniors, and individuals with limited English proficiency especially hard. The ACA has reduced the number of people without insurance to historic lows, and while we are still awaiting the analysis from the Congressional Budget Office, it's clear that the Senate bill, like the House, will deprive millions of Americans of affordable health care.
The Republican majority is playing with peoples' lives in the most cavalier way. The only people who will benefit are the millionaires and billionaires who will get a big tax cut. We urge the Senate to reject this bill."
The Leadership Conference on Civil and Human Rights is a coalition charged by its diverse membership of more than 200 national organizations to promote and protect the rights of all persons in the United States. The Leadership Conference works toward an America as good as its ideals. For more information on The Leadership Conference and its 200-plus member organizations, visit www.civilrights.org.


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In a hilarious video, Bollywood diva Priyanka Chopra Jonas shared five life lessons - combining fashion with the philosophy of life, and it will leave you in splits. The video showed the actor donning different outfits and linking lessons with each of them.
Sharing the video on her Instagram account, Priyanka wrote, "5 life lessons with yours truly (I'm so funny) haha."The video begins with Priyanka welcoming her fans. Sharing the first tip while twirling her skirt she said, "Always be bigger than your skirt." Later, the actress was seen flaunting her back and moving her waist in a glittery saree, sharing the second tip of her life, "Have nothing to hide."
Cladded in another saree paired with a bralette, the actor revealed the tip number three, "Sari, not sorry." The actor shared the fourth tip, "make some noise" while flaunting 'ghunhroo' tied on her ankle. Last but not least comes the most important tip. "When you have a difference, patch it up! So funny, I'm so funny!"
The actor said while showing her denim that has various patches on it.
On the work front, Priyanka is all set to make her Bollywood comeback with Shonali Bose's The Sky Is Pink. Apart from that, she has also collaborated with American actor Mindy Kaling for a wedding comedy.
Priyanka Chopra also recently visited Ethiopia to spend time with refugee children. The actress took to Instagram to share a series of photographs and videos of herself with the children from her philanthropic tour as Unicef's Goodwill Ambassador in Addis Ababa.
She also met Sahle-Work Zewde, the first female president of the country.


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Saturday night will be the last night of Knox's New Plays Festival experiment, and everyone involved in this last production, "Crash by Sunny Bow Mar Lake," pushed themselves to ensure it will end well.
The play, written by Ben Lee '12, tells the story of a dysfunctional little family in affluent Bow Mar, Colo. The Kembles try to live their lives as if nothing is wrong, but under the surface, everything is.
Their pattern is broken up when the father, Allen (junior Andrew Cook), brings home a stranger with a mysterious connection to Allen's past (T.J., played by freshman Ned Babbott). It does not take long for T.J.to get inside everyone's heads and change the family permanently.
Lee's script is a bombastic piece that more often is based on how it can evoke the emotions it wants than on its real world plausibility. Director and theater professor Liz Carlin-Metz seemed to use this to her advantage by pushing her actors to match the play's over-the-top characters.
The play's humor and even the plot itself work best in an environment where the audience sits back and is willing to accept whatever the play will dole out next. Whether it be cereal and orange juice or picnic lightning, the play is best experienced when the viewer allows it to all wash over them.
Sometimes, however, there are things that the viewer cannot accept quite so readily. The central mystery of the play is T.J.. All that the audience knows for sure is that Al and T.J. say that T.J. is the son of a woman from Allen's past, but whether he is his son, nephew or just a son of an old friend shifts constantly as things are revealed or revised.
This question makes viewers question everything they see as T.J. attempts to charm and sometimes seduce the Kemble family, who could be anything from old family friends to his own half siblings and step mother.
This is certainly not a bad thing. It is, in fact, really good. It keeps the audience's feelings of suspense and interest high. However, the audience is happy to keep guessing because they think when the smoke finally clears, they will know who T.J. is and what he is doing at the little house on Sunny Bow Mar Lake.
By the end, the audience has found out who T.J. is, and even after it feels like every possibility has been suggested, Lee manages to keep some surprises hidden in the reveal. However, T.J.'s motivations for being at the house (revenge, closure, curiosity or something else entirely) are still unclear.
Arguments could be made for one motivation or another, but after experiencing what is sometimes called a play's strip tease — more and more is revealed as the play goes along but not too much, so that the audience is still left wanting more — by the end of the play, I wanted more bared than the script ever cared to show.


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This restaurant feels very homely and the staff members are responsive and easy to chat with. This restaurant is under new management and I think tons of things improved! The most noticiable is the very clean and orderly environment. The food has little to no grease in it which is a big plus for me! When you go, ask to meet Patricia, the most adorable restaurant owner you'll ever meet!
My favorite new place for breakfast! I've eaten breakfast regularly once a week at local spots in the Nashua/Hudson area and hands-down my favorite new place (since being invited by co-workers a few weeks ago) is Cookie's Cafe. The biggest difference from the other places is that everything on the plate is edible. Let me explain: at other eateries, either the Home fries, meats, or toast is charred black - which to me is unfit to be eaten. Not the case at Cookie's! Nothing they serve is over-cooked. Also, the staff don't have attitudes like at other places. The waitresses are super friendly and have a great sense of humor. Other nice elements are they have a clean and inviting dining room and plenty of parking. AND, did I forget, the food quality is AWESOME, AND, the prices are FANTASTIC!
We love the new lunch menu. Hamburgers are generous and cooked to order. French fries and onion rings are delicious. Nice homey atmoshere...very personable waitstaff. As always, a favorite breakfast place.


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Nowadays with easy access to technology, children are disconnected with the world of physical activity. As a result, health disorders among kids are a very common phenomenon. Children do not eat healthy food and spend their spare time watching TV and playing video games. It is important for parents to ensure that their child is actively involved in at least one physical activity which will help them stay fit and would also help them to inculcate a competitive spirit.
One such activity could be enrolling them into a martial art training program, preferably karate. Learning karate has lots of benefits health wise as well as in gaining life skills which would be useful in their future endeavors. Some of these benefits are:
Enhanced focus and concentration:
This is a quality which is needed in any field of work and can come in handy for the kids in their studies as well.
Increased self-control:
Kids are able to handle themselves better in tough situations and won't be misled by temper.
Awareness about threats and risks:
They would be prepared to handle themselves in times of trouble.
Leadership skills and team spirit:
Any competitive sport helps a person in learning to lead and work in a team.
Although karate is an individual sport, it can be played with a team and you may do better when you know how you perform will effect others in your team.
Greater coordination:
Karate helps kids attain a better mind and muscle coordination.
Winning attitude:
It will make kids wise and instill a winning attitude which will be a positive aspect in their
It is important that your child enjoys the daily routine of working on his/her karate skills, but if it is not so, you should find out what is it that your child enjoys doing the most in terms of physical activity.
This article was first posted on Go2Karate.com.
Go2Karate® is the online resource for the martial arts industry. Uniting people with martial art schools around the world.


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The typical feature of GMT-Master II is its GMT function – there are dual time zone display on the bezel that can help the wearer have better control of the time. In this post, I'd like to share you special watches copy Rolex GMT-Master II 116769TBR.
The luxurious replica watches are made from polished 18ct white gold and paved with diamonds. What means that the watches are paved with diamonds? You can see diamonds on the cases, bezels, lugs, bracelets and dials – this is also why I say the watches are special.
The perfect fake Rolex watches seem to belong to Pearlmaster, however, they belong to GMT-Master II. Do not like the common editions, they have no 24-hour dual time zone scales on the ceramic bezels, but they have diamond bezels.


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"Former Australian Prime Minister Tony Abbott appears to have been soundly defeated in his formerly ultra-safe seat on Sydney's wealthy north shore in Saturday's election, ending a 25-year parliamentary career," Bloomberg reports.
"Abbott has been criticized over the years for his arch-conservative views that have seen him doubt climate change, oppose same-sex marriage and reinstate Australia's archaic honors system of appointing knights and dames. After being removed as Liberal leader by his own lawmakers, he remained in parliament on the backbench and often criticized the policy positions of his moderate successor, Malcolm Turnbull."
The BBC reports a surprise surge for the ruling coalition.
The Guardian has a live blog of results as they come in.Save to Favorites


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He won't come: Manchester City boss Roberto Mancini thinks Robin van Persie will snub Blues for United move
He won't come: Manchester City boss Roberto Mancini thinks Robin van Persie will snub Blues for United move
By Mancunian Matters sports staff
Manchester City boss Roberto Mancini appears resigned to missing out on signing Arsenal capatain Robin van Persie.
Mancini had been interested in snapping up the 29-year-old Dutch captain and at one point it looked like the Etihad Stadium was van Persie's most likely destination.
But now the Blues' boss looks set to miss out on the much-wanted striker, with reports at the weekend suggesting that Sir Alex Ferguson has skipped Manchester United's Scandanavian tour to force through a deal.
And when asked about van Persie, Mancini said: "Van Persie? No, I don't think he will come here."
It will be a major coup for United boss Ferguson if he was to steal the Dutchman from under the nose of Mancini.
United, who will be looking to wrestle back the Premier League title from neighbours City, finally look close to adding young Brazilian Lucas Moura to their ranks in the coming days.
The Sao Paulo winger, 19, was reported to be on his way to Manchester at the weekend, having been part of the Brazil squad which beat Honduras in an Olympic football game on Saturday.
For more on this story and many others, follow Mancunian Matters on Twitter and Facebook.
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Commercial real estate prices in the US increased 4.3% in September from the previous month, the biggest gain in a decade of records. The Moody's/REAL Commercial Property Price index is now 0.3% up from a year ago as a small number of high-priced deals drove up values after falling to an eight year low in August.
But the Moody's/REAL index is still 43% below its October 2007 peak. The gauge measures overall commercial property values on a monthly basis and breaks the numbers down by property type once each quarter.
The changes are based on repeat sales transactions. While the number of repeat sales saw only a slight uptick in September, the dollar volume of those transactions doubled from August to $3.7 billion, according to Moody's. That was the largest volume since January 2008, the company said.
Full Story from NuWire Investor
Click here for gay realtors, mortgage lenders, and other real estate professionals.


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Are memorial diamonds natural?
Everyone who wants to order a memorial diamond, has unique opportunity to do that via Kickstarter, benefiting from up to 35% discount and not having to wait in a queue.
In recent years, many diamond alternatives have appeared on the market, and in some cases, these "artificial" or synthetic diamonds look almost identical to natural diamonds. One of the most important factors to consider when choosing is how the future bride will feel that she will be offered a real engagement ring with a diamond, and not an artificial or synthetic diamond ring? If the bride is not interested (and some women are really fine with alternatives to diamond), there are other considerations, such as the value, durability and advantages of natural diamond compared to synthetic diamond.
Natural diamond is made from carbon and is the hardest natural substance known on earth. Natural diamonds are created over one to three billion years, at least 85 miles below the earth's mantle under the natural conditions of very high pressure and high temperature. After the diamond was created in these underground conditions, it travels through molten rock to the surface of the earth, where it is mined, refined and turned into beautiful jewelry or used for industrial purposes.
Memorial diamonds from ashes are not natural diamonds, as they were either made or chemically modified. The improved diamond has been modified and processed to improve its appearance. Improvements may include crack filling, laser drilling, and high-temperature high-pressure machining, which may lead to cracking or discoloration in the future.
Benefits of Buying Memorial Diamonds
There are several advantages to buying a personalized engagement ring hair diamond. The first and most important thing that most women prefer to know is that the ring with which their future husband proposed is actually a real diamond engagement ring. The diamond itself is designed to personify love and devotion to each other throughout life.
Although some people believe that natural diamond looks as beautiful as a laboratory-grown diamond, in most cases it is not. One of the drawbacks of natural diamonds is that the process of their formation can lead to discoloration in the future or even to the appearance of cracks or visible lines. The longevity of a memorial personal diamond is unparalleled as the most durable material known to man.
Natural diamonds, which can be valued faster in value terms, include fancy colors such as canary yellow diamonds, which are considered an investment grade. If you want to make a big investment in a diamond, the rarest natural diamonds are red. Pink and blue are also considered more valuable in terms of value.
Durability and Certification
Natural diamond can be more durable than any other substance. Because they are rated on a Mohs hardness scale of 10, they are ideal for everyday wear. Since the engagement ring will be worn every day, in most cases, a natural diamond is the most obvious choice. They have survived billions of years and are the most durable stone that a woman could carry on her finger.
The disadvantage of synthetic and artificial diamonds is that they are not created naturally, and each process of their creation cannot accurately simulate the perfection of nature. In fact, non-natural diamonds have different inclusion profiles from natural diamonds. A GIA study shows that many of the inclusions (with magnification) look more like tiny black graphite spots. They are considered growth residues, according to the GIA. Synthetics also often do not mimic all natural diamond inclusions found, such as twin beams. Moreover, pricing is very opaque and very young — synthetic materials are unlikely to retain market or resale value, since the offer will actually become infinite. In fact, the price and value of synthetic diamonds is falling at a record pace.
GIA (Gemological Institute of America) was founded in 1931 and is considered a worldwide authority in the field of certified diamonds. The GIA is a non-profit institution that ensures the accuracy of each diamond report and discloses its origin (natural or not), the treatments that could be performed on the stone, and evaluates the diamond by 4 Cs — cut, clarity, color and carat.
The GIA is a leading authority in the diamond industry worldwide and is considered impartial. Finding GIA-certified diamonds weighing less than 0.20 carats can be difficult, but buying a GIA-certified diamond ring is one way to make sure you know exactly what you are buying. It can be very ambiguous how synthetics are classified or described.
Identification of natural and unnatural diamonds
The identification of diamonds is crucial. Non-natural diamonds, as a rule, have "tips" that can help you notice if they are real or not. First, they tend to have a brighter color. Gloss reflection is higher, but not in a positive way. They look smoother and reflect more colors, like a crystal. A spectrometer is a tool that can help in this matter. This can help determine the structure and patterns of carbon growth. Another interesting test is thermal conductivity. Diamonds conduct and react to heat. Most simulators or synthetics are not. In addition, a gem such as moissanite (a diamond simulator) will even conduct electricity, but a natural diamond will not. Simulators tend to have lower Mohs hardness than diamonds, which makes them more prone to chips or breakage. Their artificial creation can mean several inclusions of clarity or their absence (one of the cases when inclusions are good!). They are often colorless, so they look too white to be true. Finally, price is everything. If they are priced too well (part of the price of natural diamond), then you will have a signal that the diamond may not be natural. Eyes have a natural preparation for understanding synthetics. If you look closely, your eyes will naturally tend to diamond compared to a synthetic or imitation stone. Eyes have a natural preparation for understanding synthetics. If you look closely, your eyes will naturally tend to diamond compared to a synthetic or imitation stone. Eyes have a natural preparation for understanding synthetics.
At C Clarity we use only natural diamonds that are tested by GIA certified gemologists. We use equipment that is calibrated and measured to successfully distinguish between natural and unnatural diamonds. Our diamonds come with GIA certificates as an additional authentication. We also have an inexpensive version of laboratory diamonds, which are guaranteed to not conflict and have the same visual, physical and chemical properties as natural stone.
Chemical vapor deposition
Chemical vapor deposition: CVD is the latest simulator introduced in the diamond industry about ten years ago. It requires state-of-the-art technology and represents the biggest "threat to the natural industry.» The CVD process actually uses natural diamond particles to create or create a synthetic diamond (created in the laboratory). With a CVD machine, carbon gases are heated to extreme temperatures, causing the carbon molecules to decay, and then when the molecules evaporate, they slowly drip and bind to the seed diamond (a tiny version) in the machine, creating layer by layer until a larger diamond is formed. Today, when scientists improved this technique, they were able to remove the color in the diamond, as well as increase its size. In the early days, the color turned black or black with very small diamonds. it is white with 3 or more carats. Now it is difficult to distinguish natural from cardiovascular diseases. Professional testing tools and laboratory certification can easily tell the difference, but it is much more difficult to do with the inexperienced eye. Other methods include things like CVD diamonds can have rainbow fluorescence colors
Other common simulators include zirconium, white sapphire, and moissanite. These diamond alternatives are easier to identify and distinguish from diamond. They have properties that are not based on carbon and react differently to heat, electricity, color, brightness, weight, etc.
A natural diamond is considered a hallmark of what a wedding ring should be like to symbolize endless love between two people. A certified diamond that took billions of years to create will become symbolically more valuable and will become an investment in the long run.
Read more:
They are real! The expert reveals the main differences between laboratory-grown memorial diamonds and mined diamonds, including cost reduction and ethical work.
The ashes of people and pets are turned into sparkling yellow diamonds — and here's how:
Why do people turn ash into memorial diamonds in the UK?
Memorial diamonds — a growing alternative to burials according to Urmydiamond
Beyond the hype about laboratory-grown memorial diamonds
Memorial diamonds grown in the laboratory
Remember your loved one — like a diamond
From ashes to diamonds: a new disruptive alternative after cremation on the rise


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Events Calendar
2019 APRA NSW State Championship
Featured Driver
APRA Racer Update
Russell West
Introducing Russell West. 2019 is Russell's first year racing in the APRA series. Russell has plenty of experience in Supersprints and decided to get involved with door to door racing
2019 – Done and dusted
Wow !! What an event. The 2019 Championship ended at the Wakefield Park Enduro Round. This event saw 42 Pulsars take to the track for 2 fantastic races. The NSW


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On 30 March 2018, Dr. Pimlapas Pongsakornrungsilp, head of tourism Industry and Service department, with Dr.Sukhuman Klamsaengsai and Dr.Sunthorn Bunkaew welcomed representatives from Marriott hotel (Koh Samui) to be special guest speakers during "WU Open house 2018". Many students, lectures, and registered participants had attended this all day free activity which aims to provide knowledge about service management. In particular, students had benefited from obtaining information about career path and interview's tips in hotel sector. For activity succession, students and participants could finally completer and submit their resume.
Activity also provided additional sections for attendees such as having a chance to get rewards from answering question or discussing with experts on making successful coffee shop.
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Home > Dog Collars & Leads > Patterned Dog Collars
Made to order
Wow, this Rainbow Stripe dog collar is something really special. Stand out from the crowd in this riot of colour. Shrinking violets look away now.
We know you are going to love this unique collection of beautiful British handmade dog collars and leads in a gorgeous range of colours and designs. If your dog loves to set trends and wear something unique and snazzy, look no further. Woof!
Each collar and lead is lovingly handmade in Devon to the highest quality from some of the most wonderful fabric designs you will find.
Nominated for the Make It British Top 20 Dog Accessories Brands.
The beautiful patterned grosgrain ribbon is securely stitched to a tough polypropylene webbing.
The collars include a lightweight plastic slider and contoured buckle for comfort but these can be upgraded to a contoured chrome buckle and slider if you prefer.
Please note that all the collars in this range are a wider 25mm. The optional matching lead is 110cm long x 25mm wide. It features a reliable, reinforced chrome trigger clip for easy attach/release.
* Guide only. Please always measure your dog.
Colours may run. Hand wash only using a mild detergent and lukewarm water. Air dry only (do not tumble dry).
Turquoise Tribal Dog Collarfrom: £14.99
Bright Geometric Dog Collarfrom: £14.99
Yellow Chevron Dog Collarfrom: £13.99
FuzzYard Dog Collar - Go Nuts for Donutsfrom: £11.00
ThermLOW Dog Cool Coatfrom: £30.00
Zero Shock Dog Leadfrom: £20.00
Love this collar!Bright, sturdy, funFit very wellWould buy again
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You are currently browsing the monthly archive for August 2009.
Mom and Dad are back in their Sweet Haven of Sanity…off the treacherous road and safe and sound at last. They have seen the Road to Hell and have decided against it.
The ride back to Oregon was torturous and frustrating. The BEAST was the target of tow trucks, some Northern Californian mechanics ready to make a buck, and of Dad's anger. You can imagine what it did to Mom's blood pressure. It took them forever to get home. I felt so bad for them. They deserve a wonderful, trouble-free trip and it just did not happen that way.
I keep picturing them climbing out of the Beast and kissing the ground when they got back to their place. Now, back at home, Mom spends her time in her garden. Dad reports that he has been in pain everyday with headaches…until his eldest daughter, Teresa, played Florence Nightingale and came up with a very simple remedy that worked and he has not had a headache since. Needless to say, he is quite appreciative and awestruck by Nurse Teresa. Teri says that if that was all it took to impress Dad, she would have given him that concoction years ago…now if she could just cure cancer! I told Dad that since her remedy worked, a solution of water and baking soda…he should just go to the spice cabinet and try a teaspoon out of every bottle…who knows..perhaps the cure is in the Cumin bottle.
Mom and Dad are now preparing for a full-blown Cook Kid onslaught. Teri is flying in to Oregon on the 25th. Tonja and her family will arrive shortly after that. Roger is getting his boat ready to take the guys out to conquer the deep blue sea, or at least a tranqual scenic lake. Marta and her family have made plans. Teri's sons and daughter have their tickets…and my family is checking out schedules. The Cook Family is going to take over the small town of North Bend all at once over the first weekend in September. I talked to Dad and told him he should run and hide…wink wink. This is gonna be fun. All the kids have not been together since Mom and Dad's 50th Anniversary. I cannot wait to see all the nieces and nephews…and their babies too. Roger is a Grand-daddy, Teri and Tonja are both Grandmothers..and, of course, Marta and I are still way too young for that title…hee hee.
Well if any of you want to join the fracas…I mean merriment…come on up! We will pitch tents on the North 40 and throw some shrimp on the barbie. What a hoot that would be if you could come!! Dad says he ain't going to be traveling anymore…so you gotta go his way…The RAY WAY…if you want to see him.
They have been getting calls from some of you and they really enjoy catching up…so keep the calls and cards coming. We truly appreciate all the well wishes and love being sent their way!!! Been to Oregon lately?


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IMF Publications by Subject
Browse by Author
Title: IMF-Supported Programs and Income Convergence in Low-Income Countries
Series: Working Paper No. 18/284
Date: December 13, 2018
Subject: Econometric models Economic growth IMF Programs Income Low income countries Poverty Reduction Poverty Reduction and Growth Trust
Title: Romania : Financial Sector Assessment Program-Technical Note on Calibration of a Debt-Service-to-Income Limit in Romania-Evidence from Microdata
Series: Country Report No. 18/161
Date: June 8, 2018
Subject: Debt service Financial Sector Assessment Program Household credit Income Macroprudential policies and financial stability
Title: El Salvador : Technical Assistance Report-Balance of Payments, International Investment Position, and Secondary Income Statistics (July 14-22, 2014)
Series: Country Report No. 18/38
Date: February 12, 2018
Subject: Balance of payments Balance of payments statistics El Salvador External debt statistics Foreign direct investment Foreign investment Income International investment position Supply and demand Technical Assistance Technical assistance missions
Title: Welfare vs. Income Convergence and Environmental Externalities
Series: Working Paper No. 17/271
Date: December 7, 2017
Subject: Developing countries Economic growth Environment Greenhouse gas emissions Income Social safety nets Sustainable development Welfare Welfare reforms
Title: Euro Area Policies : Selected Issues
Series: Country Report No. 236
Date: July 25, 2017
Subject: Climate policy Economic growth Euro Area Financial stability Fiscal reforms Gross domestic product Income Labor productivity Selected issues
Title: Household Consumption in Japan – Role of Income and Asset Developments
Series: Working Paper No. 17/23
Date: January 31, 2017
Subject: Assets Disposable income Household consumption Income Japan Liquidity Regression analysis
Title: Impact of Migration on Income Levels in Advanced Economies
Series: Spillover Notes No. 16/08
Date: October 24, 2016
Full Text
Subject: Employment Income Labor productivity Migration
Title: Emigration and Its Economic Impact on Eastern Europe
Series: Staff Discussion Notes No. 16/7
Date: July 20, 2016
Watch the Video
Subject: Central and Eastern Europe Economic growth Emigration and immigration Global competitiveness Gross domestic product Income Private sector Remittances Skilled labor
Title: 6½ Decades of Global Trade and Income : "New Normal" or "Back to Normal" after GTC and GFC?
Series: Working Paper No. 16/139
Date: July 12, 2016
Subject: Econometric models Economic growth Exports Income International trade Structural vector autoregression
Title: It's Not All Fiscal : Effects of Income, Fiscal Policy, and Wealth on Private Consumption
Series: Working Paper No. 15/112
Date: May 26, 2015
Subject: Consumption Cross country analysis Developed countries Econometric models Financial assets Fiscal policy Income Income distribution Panel analysis Private consumption Time series


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Manual removal instructions:
What is PROPDFCONVERTER?
PROPDFCONVERTER detected as PUP.AD.PROPDFCONVERTER.
What is PUP? PUP is crapware.
PROPDFCONVERTER have several types of unwanted behaviour:
- Displaying popup ads.
- Hijacking your browser.
- Infecting your desktop shortcuts, etc.
- Inserting ads to the web pages.
PROPDFCONVERTER can redirect your browser search, collect your personal information and sell it for advertising.
PROPDFCONVERTER is usually hard in removing. Some people could not find uninstall program for PROPDFCONVERTER in the Control Panel.
Sometimes PROPDFCONVERTER uninstaller does not work.
How PROPDFCONVERTER got on your computer?
Usually you got PROPDFCONVERTER with as part of a bundle with another tool you downloaded from the Internet. Since PROPDFCONVERTER manufacturer pays software developers for distributing PROPDFCONVERTER within their applications, PROPDFCONVERTER is often included as part of the installer.
Usually, you have not only one PROPDFCONVERTER problem, but a bunch of similar WIN32:PUPs.
You have 2 ways to remove PROPDFCONVERTER:
Why I recommend you to use an automatic way?
- You know only one virus name: "PROPDFCONVERTER", but usually you have infected by a bunch of viruses.
The UnHackMe program detects this threat and all others.
- UnHackMe is quite fast! You need only 5 minutes to check your PC.
- UnHackMe uses the special features to remove hard in removal viruses. If you remove a virus manually, it can prevent deleting using a self-protecting module. If you even delete the virus, it may recreate himself by a stealthy module.
- UnHackMe is small and compatible with any antivirus.
- UnHackMe is fully free for 30-days!
Here's how to remove PROPDFCONVERTER virus automatically:
STEP 1: Install UnHackMe (1 minute)
STEP 2: Scan for malware using UnHackMe (1 minute)
STEP 3: Remove PROPDFCONVERTER virus (3 minutes)
So it was much easier to fix such problem automatically, wasn't it?
That is why I strongly advise you to use UnHackMe for remove PROPDFCONVERTER redirect or other unwanted software.
How to remove PROPDFCONVERTER manually:
STEP 1: Check all shortcuts of your browsers on your desktop, taskbar and in the Start menu. Right click on your shortcut and change it's properties.
You can see PROPDFCONVERTER or another web site at the end of shortcut target (command line). Remove it and save changes.
In addition, check this command line for fake browser's trick.
For example, if a shortcut points to Google Chrome, it must have the path:
C:\Program Files (x86)\Google\Chrome\Application\chrome.exe.
Fake browser may be: …\Appdata\Roaming\HPReyos\ReyosStarter3.exe.
Also the file name may be: "chromium.exe" instead of chrome.exe.
STEP 2: Investigate the list of installed programs and uninstall all unknown recently installed programs.
STEP 3: Open Task Manager and close all processes, related to PROPDFCONVERTER in their description. Discover the directories where such processes start. Search for random or strange file names.
STEP 4: Inspect the Windows services. Press Win+R, type in: services.msc and press OK.
Disable the services with random names or contains PROPDFCONVERTER in it's name or description.
STEP 5: After that press Win+R, type in: taskschd.msc and press OK to open Windows Task Scheduler.
Delete any task related to PROPDFCONVERTER. Disable unknown tasks with random names.
STEP 6: Clear the Windows registry from PROPDFCONVERTER virus.
Press Win+R, type in: regedit.exe and press OK.
Find and delete all keys/values contains PROPDFCONVERTER.
STEP 7: Remove PROPDFCONVERTER from Google Chrome.
STEP 8: Remove PROPDFCONVERTER from Internet Explorer.
STEP 9: Remove PROPDFCONVERTER from Mozilla Firefox.
STEP 10: And at the end, clear your basket, temporal files, browser's cache.
But if you miss any of these steps and only one part of virus remains – it will come back again immediately or after reboot.
UnHackMe anti-rootkit and anti-malware
Premium software: RegRun Security Suite (Good choice for removal and protection)


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Susan Moffitt of Porsche in Shreveport, La. was named the 2020 TIME Dealer of the Year by TIME and Ally Financial at the 103rd National Automobile Dealers Association (NADA) Show in Las Vegas.
Moffitt was chosen from a field of 49 auto dealer nominees, who were selected from nearly 17,000 franchised dealers across the country. One of the most prestigious honors for auto dealers, the TIME Dealer of the Year Award recognizes leaders who have succeeded in business and go above and beyond in their efforts to give back to the community.
In addition to Moffitt, four dealer nominees were recognized as Dealer of the Year finalists:
Ally will give $10,000 to the charity of Moffitt's choice. Ally also will donate $5,000 to each of the nonprofit organizations selected by the four finalists and Will Green, president of the Louisiana Automobile Dealers Association, who nominated Moffitt for the award.


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Phone: 800-224-4853
Website: Click Here››
Getaway from the harsh winters. Getaway to your perfect winter retreat. Getaway to savings. Getaway to the best snowbirds activity program on the Gulf Coast brought to you exclusively by Royal American Beach Getaways. With the ability to choose from affordable efficiencies to luxurious 3-bedroom condominiums – you're sure to find one to meet your needs and budget.


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My oldest daughter is pregnant and due to have her son on May 19th. I am a nervous wreck.
I can barely even think about it without freaking out.
This is her second child. The oldest, my darling, precocious grandson, C. , is almost three-years-old. He and this baby may actually share a birthday since C.'s birthday is on May 11.
When my daughter was nearing her due date with C. she asked me if I would be in the birthing room with her during delivery. Having had four children, three of whom I delivered without anesthesia, I was thrilled and honored to help with the coaching and to be present when my grandson was born. She had a birthing room at the local hospital and had had the regular "tour" of the facilities earlier in her pregnancy. Everything was going fairly normally when her labor started. Things just weren't going as quickly as the midwife would have liked so with the doctor's approval she gave my daughter a drip of oxytocin to help the contractions be stronger and more productive. . It got a little too intense for her at one point so my daughter requested an epidural. It was given and she felt a great deal of relief.
After many hours ( it seemed) of contractions and finally instructions to "push" the baby was born!! What a beautiful little boy!
And then the nightmare began. She started to bleed….and bleed…and bleed. There was a fibrous tumor near the birth canal inside the uterine wall. The uterus was unable to contract properly due to the size and location of the fibroid. She was given several pints of blood and frantically the doctor worked to staunch the bleeding. It took hours! I stood helplessly watching the blood flow out of my beautiful daughter, fearing it would never stop! I cry just typing these words!
She survived thanks to the professional care given to her by her medical professionals. The doctor cautioned her that any subsequent pregnancies could kill her unless the issue of that fibroid tumor was resolved. She waited two years and her longing for another child grew great. She consulted with her OB/GYN and they did a surgical procedure to remove the offending tumor last fall. When the surgeon went in he couldn't find the tumor and refused to cut her up simply in order to locate it! So nothing was done except that she now had to recover from invasive surgery. According to the surgeon, hormones cause the tumor to grow during pregnancy. When she wasn't pregnant it had shrunk to such a small size that it wasn't visible to the surgeon.
Pregnancy has caused the tumor to grow large again.
I don't think I can be in that room and go through that again knowing that she could bleed to death in front of me. My heart says that if (God forbid) something does go terribly wrong I will always regret that I wasn't there to hold her tight and give her all the love this mother has for her daughter.
I am so afraid. I don't have the kind of strong religious faith that would help get me through with grace and acceptance. If anything should happen to her I will rail against God the same way I did when I was a child and I prayed in vain for the end of suffering at the hands of my parents.
So while I am anticipating the arrival of another blessing in the form of a fourth grandson, I also fear the whole idea. Pray for my daughter. Please.


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My Loneliness Story – By Alex:
I'm just really depressed and I have been for months now. It's just as if the whole world is against me. And this makes me wonder why do good people have it bad? Deep within myself I know that I'm a kind and compassionate man and it's just so frustrating with the way life has dealt with me. Even in relationships I don't find it easy and at times it makes me feel like I'm unlovable.
I've only been in two relationships and in both cases my ex girlfriends left me. The most recent one is that of my girlfriend of 2 years. She said she doesn't love me anymore out of the blues and my soul within me is distressed. I thought it was one of those fights we had which we eventually talk out and make up. I thought it was all a joke till she started moving her things out of my apartment. I'm still quite shocked this is all happening. I mean I didn't even see the signs. I thought we were madly in love. I've been a complete mess since she moved out and can barely concentrate on anything.
I didn't know that the break up affected me that much until my boss started complaining about how I wasn't concentrating at work and how that was affecting my productivity. I mean I know I don't have a lot of friends to hang out with and she was my world for almost two years. I can't seem to pick myself up. I just want to stay in one place and mope, hoping that things will turn back to how they used to be. You might think, oh I am lazy. I am not; I am just so tired of being so strong for long and not getting anything in return. I feel as if some people are not cut out for happiness because no matter how far I pursue it, it never last.
So most days I just lay on the couch with a bottle of cold beer, dwell on the past that gave me a little hope of happiness and never try to think of the present. You may think I'm delusional, well maybe I am, but I will rather dwell on those good memories than face this one. I am tired of being so strong every time and I am going to allow this weakness to be consolation. I just…I don't know what I want anymore. I really just feel like I can't talk to anyone; like no one understands me or would give a damn if I talked to them. Anyway…Sorry. I'm sorry, I shouldn't even be posting this.
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The southern province of Andalucia, particularly the area around the Costa del Sol, is the epitome of good-value, romantic Spanish living.
It has everything: long, sandy beaches perfect for strolling on…romantic, white-washed hill towns cling to the Andalusian hillsides…a sunny climate where snow and even rain are a rarity…and a cost of living so affordable you'll find it hard to believe you're in a European country.
You'll share a three-course meal with a friend for as little as $40, rent from $760 a month… All told, a couple can live comfortably on $3,000 a month—and that includes the cost of exploring all the country has to offer.
Southern Spain is most famous for its beaches and resort towns. If you're a beach lover, you'll find plenty of options for beachside living. Marbella is the glitzy heart of this stretch of coastline, attracting tourists and the wealthy jet-set from around the world.
It has restaurants offering international cuisine, lots of boutique clothing stores and a pretty Old Town that's a pleasure to ramble through. Despite its glamorous reputation, Marbella is still affordable. You can buy two-bedroom apartments, about a 10-minute walk from the beach, from $200,000.
Just a 10-minute drive from Marbella you'll find San Pedro, a quieter, more authentic, Spanish beach town. Popular with Spanish holidaymakers, San Pedro has yet to draw the attention of the tourist hordes…and they're missing out. The long beachside promenade is a palm-tree lined avenue and the perfect place to soak up some of the Mediterranean sun. Here, you can rent a two-bedroom apartment, a short walk to the beach and the town centre for around $1,000 a month.
Although I love the beaches of the Costa del Sol, it's the area's mountain towns that really charm me.
Just a short drive from the coast, hidden among the green hills, are some of Spain's most enchanting and affordable towns. My favourite was Mijas. This "white town" (pueblo blanco) sits on a hilltop 20 minutes from Malaga. Founded in the second century, it has held onto its traditional Andalusian atmosphere: narrow cobblestone streets, crammed on either side by whitewashed stone buildings. Many are boutiques, local artisan jewellery stores and expat-owned chocolate shops.
The cherry on top of this cake is the cost of renting. A two-bedroom apartment with a shared swimming pool can be yours for $860 a month.
Another of this area's mountain towns that stole my heart is the peaceful pueblo of Torrox. It's the kind of place where time stands still. The quaint village square, Plaza de la Constitucion, is lined with orange trees, their faint scent filling the air. Here locals sit in cafes or on one of the many wooden benches to watch the world go by. The town hall stands proudly at the end of the square, its green shutters a colourful contrast to its brilliant white walls. Life in Torrox is easy and serene.
The price of a new home in Torrox will also be easy on your wallet. Currently a two-bedroom townhouse, in a pretty plaza, is on offer for just $86,000. A cosy one-bedroom apartment just 100 metres from the beach can be rented on a long-term basis for $515 a month.
As I've mentioned, accommodation isn't the only thing in southern Spain that's good value. The food, in particular, is great value. My favourite dining experience was a three-course meal of crispy deep-fried Camembert, a Mediterranean fish bisque, followed by warm chocolate cake smothered in cream for just $22.
The perfect end to a serene day in southern Spain.
Image: ©iStock.com/amoklv
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THE European Space Agency's (ESA) next generation of launchers is being made possible with help from an Ennis company. Microsemi has just signed a lucrative multi-million euro contract with the ESA in a move that will lead to job creation for the county capital.
Company president, Paul Pickle, travelled from California to Clare this week, where he pledged to continue to invest in the Ennis company.
Microsemi has been awarded a €3.2 million contract under the ESA General Support Technical Program (GSTP) to develop a cost-effective integrated motor drive solution for thrust vector control (TVC) in aerospace applications.
As part of this expanded development activity in space technology, Microsemi is also collaborating with the Sociétés Anonyme Belge de Constructions Aéronautiques (SABCA), a major European aerospace company. The aim will be to commercialise the product portfolio resulting from the three-year development programme, targeting end-use applications in the VEGA-E space launcher, with the first flight projected in 2024.
Shane O'Donnell, senior manager in systems design and aerospace at Microsemi Aerospace Centre of Excellence, confirmed the plan will result in more jobs at the Gort Road-based company, which currently employs 270 people.
"We plan on growing our employee count significantly over the next number of years. Within the next couple of months, we hope to increase our team from 11 to 17. Very shortly afterwards we hope to build on that t
o 25 and in the short to medium future, we hope to increase that to 45 and onwards and upwards from there."
Mr Pickle outlined this new development is the culmination of six years of work "and this is just the beginning". He commended the partnership between the Government, different agencies and the corporate sector.
He continued, "We are doing something that is truly special. We pride ourselves on solving the problems that truly matter."
He praised Ireland's talent in the research and development sector, stating "you guys have amazing talent coming out of universities and it's nice to put that younger talent to work and work on something that is truly important, that is going to matter years and years from now".
By Jessica Quinn


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"Rebirth of Consciousness" (April 2018)
This unique piece of artwork is the one that makes everyone turn their heads when passing by. It's full of beautiful details and one can look at it for a long time and always notice something new. The original artwork is 3D hence why this image offers such a beautiful depth and dimension. It's suitable for home decor or commercial spaces.
(**For purchasing this artwork you have to email me first. See details below)
Available Sizes:
36" x 24" (91.44cm x 60.96cm)
60" x 40" (152.4cm x 101.60cm)
72" x 48" (182.88cm x 121.92cm)
Artwork Print Details:
-Premium Aluminum Print
-High Gloss Finish
-Ultra Slim
-Ready and easy to hang
-Suitable for indoor and outdoor display
-Chemical, Scratch, Abrasion and Stain Resistant
**All aluminum prints are made to order. Please allow 7-10 business days for production time and additional time for shipping (which varies depending on destination). We will advise you according to your individual location over email.
**Please contact me for purchasing the artwork by email at email@example.com and include the following information in your email:
1. Your Full Name
2. Name of the Artwork
3. Desired Size of Artwork (if multiple sizes are offered)
4. Your full address for shipping so I can effectively get a shipping estimate
5. Phone number where I can reach you in case I need to call you
**I will reply to you with the artwork price and shipping quote (if applicable) within 24-48h.l you
**Original Artwork is made with Resin and Alcohol Inks and is not for sale. I keep them all in my own collection.


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Harris Academy Ockendon is committed to ensuring that its students have access to the highest standards of information, advice and guidance to help them choose the career that is right for them.
The Academy follows the statutory guidance set out in the 'Careers guidance and access for education and training providers' published by the DfE in January 2018.
The Academy is committed to developing a careers education and guidance programme that meets the standards of The Gatsby Benchmarks as described in the above statutory guidance.
As part of the Academy's commitment to inform our students of the full range of learning and training pathways on offer to them, we are happy to consider requests from training, apprenticeship and vocational education providers to speak to our students. Please read the below 'Baker Clause Policy Statement' for details.
Our Careers Programme Information is reviewed annually in the Summer Term.
Vice Principal responsible for careers: Mrs Alison Dominey, 01708 851661
Student Entitlement
Year 7 & 8
- Students are encouraged to identify personal traits, strengths and skills to develop confidence and have high expectations of themselves.
- Students are introduced to careers resources, including Fast Tomato, and informed how to use them.
- Students have optional access to Information, Advice & Guidance Advisers via drop-in sessions.
- By beginning careers education early, students can make better informed decisions at transition stages and are more motivated in school in order to follow a particular pathway.
- An employer is invited to talk to the year groups - a Q&A session is held to find out about their role in a particular sector.
- One-to-one interviews, raising aspirations and promoting career pathways.
- Students are introduced to 'employability skills' through enterprise challenges and opportunities in different subjects.
- Students learn about money management.
Year 9
- One-to-one interviews focussing on action planning and support into Options.
- Students are encouraged to reassess personal strengths with a focus on transferable skills.
- What is important in a career? Students are encouraged to investigate/research different jobs and careers locally, regionally and nationally. Students explore lifestyle, budgeting and a good work/lfe balance whilst developing economic awareness.
- Students are encouraged to challenge stereotypes within the world of work and traditional job roles.
- Students are encouraged to use careers resources available and informed where to find out more about specific courses/careers.
Year 10
- Students begin to explore Sixth Form options and interview techniques including the use of social/digital management skills.
- Economic awareness developed further and students encouraged to think about employability, which careers appeal and to identify and set themselves realistic future goals.
- Students agree action plans with IAG Advisers for future and identify what specific action is required to achieve these goals.
- Students begin CV and cover letter writing.
- Students are encouraged to use careers resources available and informed where to find out more about specific courses/careers.
- Students use online career and employability resources to develop their skills.
- Students complete one-week work experience.
- Students experience Careers Fairs, National Careers Week and employability workshops.
Year 11
- Students are helped with Post 16 choices and encouraged to consider all their options including further study in Sixth Form, colleges, technical education and apprenticeships.
- Students complete intended destinations form. Interview techniques are further developed for identified students.
- Students use careers interview to help understand different careers pathways and entry requirements and encouraged to make contingency plans should results be better/worse than expected and set personal targets for development.
- Students are encouraged to think about the kind of behaviour potential employers look for.
- Students are encouraged to attend careers talks, fairs, college and school open days and taster days with employers.
- Students are assisted further with CV writing as well as encouraged to have a completed CV and cover letter.
- Students are kept up-to-date with Post 16 deadlines.
- Students have access to IAG Adviser drop-in sessions.
- Students are encouraged to use careers resources available and informed where to find out more about specific courses/careers.
- Students are encouraged to continue to gain work experience and take part in work insight days during the school holidays, weekends and evenings.


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Youth Summer Activities
Early registration deadlines approaching!
The deadline for early registration for the following Fort Wayne Parks & Recreation summer youth activities is May 29. There may be openings after May 29, but an additional $10 fee will be charged.
Intro to Soccer—Boys and girls learn to kick, trap, and pass a soccer ball while learning basic rules and soccer terms. One adult is required to participate with each child. Fee: $59 / $69 after May 29.
Mini Kickers (Ages 2 – 3)
Little Kickers (Ages 3 – 4)
Kickin' Kids (Ages 4 – 6)
Big Kickers (Ages 6 – 10)
Little Sluggers: T-Ball Training—A non-competitive, instructional program emphasizing sportsmanship, teamwork, and fun for boys and girls ages 3 – 4. Instruction is through demonstration and drills. Games, scrimmages, and competition are not part of the Little Sluggers program. Fee: $42/$52 after May 29.
Pee Wee T-Ball-- A non-competitive, instructional program designed to help young athletes (ages 5 – 7) develop basic baseball skills—throwing, catching, fielding, batting, and base running. Players will "scrimmage" amongst the group. Fee: $54/$64 after May 29.
Lob Ball—Lob Ball replaces the t-ball tee with a slow underhand pitch by a coach and focuses more on strategy and game situations for participants ages 6 – 10. Fee: $54/$64 after May 29.
Instructional Softball—Boys and girls ages 7 – 11 will learn fielding skills, positions, batting techniques and game strategies. Pitching will also be introduced. Fee: $58/$68 after May 29.
Itty Bitty Basketball—Focusing on fundamental skills such as dribbling, passing and shooting for children ages 2 – 4 in a noncompetitive environment. Fee: $38/$48 after May 29.
Pee Wee Basketball-- Focusing on fundamental skills such as dribbling, passing and shooting for children kindergarten – 5th grade, in a noncompetitive environment. Fee: $54/$64 after May 29.
Little Lineman Flag Football—This non-competitive flag football program is designed to teach the basic skill in passing, running, offense and defense while emphasizing teamwork and sportsmanship. Boys and girls ages 4 – 5. Fee: $43/$53 after May 29.
Flag Football— This non-competitive flag football program is designed to teach the basic skill in passing, running, offense and defense while emphasizing teamwork and sportsmanship. Players will learn skills and lessons that will help them succeed both on and off the field. Boys and girls ages 6 – 12. Fee: $58/$68 after May 29.
Lifetime Sports Academy—There is no fee and no registration deadline for this program held in
For more information, or to register for classes, call


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NATICK, Mass. — Federal regulators sent Boston Scientific Corp. a warning letter identifying "serious regulatory problems" in medical devices produced at three facilities and said the company's previous efforts to address quality control problems at three other sites were inadequate.
The Food and Drug Administration's letter said it could take regulatory action against Boston Scientific without further notice and warned that "it is necessary to take action on this matter now."
The letter was sent to Boston Scientific on Wednesday. That was the same day Guidant Corp. accepted a $27 billion buyout bid from Boston Scientific, ending the Massachusetts company's nearly two month bidding war for Guidant with Johnson & Johnson.
Boston Scientific and the FDA separately disclosed the warning letter Thursday, after markets closed for the day.
The FDA's letter notified Boston Scientific that inspections conducted late last summer "revealed serious regulatory problems involving your medical devices."
The problems involved heart stents — metal-mesh devices used in artery-clearing surgery — made at the company's Natick headquarters and at facilities in Maple Grove, Minn., and Spencer, Ind.
The FDA also cited continuing problems at sites where it had previously found shortcomings. These are in Watertown, Mass.; Glens Falls, N.Y., and Quincy, Mass.
The letter does not prevent Boston Scientific from continuing to distribute its top-selling product, the Taxus drug-coated stent.
Jim Tobin, Boston Scientific's president and chief executive, said in a news release, "we have clearly not done enough to resolve the issues raised by the FDA last year." But he said the company was on track to resolve outstanding issues promptly.
In the summer of 2004, Boston Scientific recalled nearly 100,000 units of the Taxus stent and another model not coated with drugs because of a manufacturing defect that the company has said it has fixed.
© 2013 The Associated Press. All rights reserved. This material may not be published, broadcast, rewritten or redistributed.


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Make Your Own Poppy Gift Set
$116.00 $84.00
We've gathered all of our favorite poppy items together to create a 'Poppy Gift Set' in honor of the beautiful poppy flowers that cover the California hillsides each spring. Each set comes with a pair of our Poppy Stud Earrings in your favorite metallic hue in a rose gold, silver or gold. Then, you can add on the Poppy Ring and/or the Poppy Cuff Bracelet in the same metal. We package it up in a sweet coin purse to make the most darling set at no extra cost ($12 value).
Set Includes:
- Poppy Earrings in Rose Gold, Silver or Gold
- Add Matching Poppy Ring (+$38)
- Add Matching Poppy Cuff (+$48)
- Olive and Poppy print coin purse
- All Designs are by Olive and Poppy


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Glitter Plus Size Stretch Plunge Back Halterneck Mini Dress
Average customer review 5 out of 5 stars3 reviews
Sorry! This product has been discontinued.
Please scroll down to see alternative products.
Product Description
More than your average fishnet mini dress, this slinky, stretchy LBD is cleverly patterned to exaggerate those irresistible hourglass curves. At the centre, the linear pattern draws the eye in towards the waist, while the mini length flaunts your legs.
Down the sides of your body, between your boobs, and above the curve of your butt, wider fence net patterns accentuate the shape of your body, with the plunging neckline showing off your cleavage. To top off your tantalising outfit, add some towering heels and a slick of red lippy.
Key Features:
- Slinky lace and fishnet plus size halterneck mini dress for evening seduction
- Plunge back draws the eye to your bottom
- Chevron-patterned centre panel slims your figure
- Wider fence net and fishnet panels show a glimpse of skin
- Stretchy weave moulds to your figure
More products from iCollection
iCollection Size Chart
Bust - measure the fullest part of the bust from the armpit.
Waist - measure the around the narrowest part of the waist.
Hips - measure the fullest part of the hips - around 8 inches below the waistline.
iCollection Lingerie Size UK Dress size Bust Waist Hips Small 4 - 6 32" - 34" 25" - 27" 34" - 36" Medium 8 - 12 34" - 36" 27" - 29" 36" - 38" Large 12 - 16 36" - 38" 29" - 31" 38" - 40" 1X / 2X 18 - 22 40" - 46" 34" - 38" 42" - 46" 2X / 3X 22 - 24 46" - 50" 38" - 40" 46" - 50" 3X / 4X 24 - 26 50" - 52" 40" - 44" 50" - 52" S/M 4 - 12 32" - 34" 24" - 27" 34" - 36" L/XL 12 - 18 36" - 38" 28" - 32" 38" - 40" One size 4 - 16 32" - 38" 24" - 32" 34" - 40" One size Queen 18 - 24 40" - 52" 34" - 44" 42" - 52 " iCollection Lingerie Size US Dress size Bust Waist Hips Small 2 - 6 32" - 34" 25" - 27" 34" - 36" Medium 6 - 10 34" - 36" 27" - 29" 36" - 38" Large 10 - 14 36" - 38" 29" - 31" 38" - 40" 1X / 2X 16 - 20 40" - 46" 34" - 38" 42" - 46" 2X / 3X 20- 22 46" - 50" 38" - 40" 46" - 50" 3X / 4X 22 - 24 46" - 52" 40" - 44" 46" - 52" S/M 2 - 10 32" - 34" 24" - 27" 34" - 36" L/XL 10 - 16 36" - 38" 28" - 32" 38" - 40" One size 2 - 14 32" - 38" 24" - 32" 34" - 40" One size Queen 16 - 22 40" - 52" 34" - 44" 42" - 52 "
Glitter Plus Size Stretch Plunge Back Halterneck Mini Dress
- Our Price
- £19.99
Wow how flattering
Reviewed: 26 April 2017 by Debs65, a Straight Married Female
I'm a curvy size 16, so I opted for the larger size and I'm glad I did.
This dress is so flattering I feel like a million dollars in it and my other half can't keep his hands off me.
There is plenty of stretch but it doesn't feel tight or loose.
It holds my boobs as if I was wearing a bra but is so comfortable and I feel incredibly sexy wearing it.
I have 34E/F boobs and the halter neck on this displays them amazingly well whilst offering support yet allows them access to be played with. A winner all-round.
- Pros
- The gentle support of my boobs but holding in my wobbly bits.
- Cons
- Would love it just a couple of inches longer.
- Bottom line
- Wow a must purchase. Sexy sexy sexy.
- 4 people found this review helpful. Was this review helpful to you? Yes
Sexy, flattering, excellent design
Reviewed: 29 April 2016 by SquirtyPanda, a Straight Single Female
Thank you Lovehoney for choosing me to review this item! When I first laid my eyes on the picture I thought wow! That looks so flattering! This item proved me right. It hugs the model in the right places and the clever line designs make it look extremely flattering and sexy, yet they also offer support when the item is being worn.
The item was delivered swiftly and in a bubble wrapped envelope, discreet and safe. The lingerie itself didn't have any fancy packaging. Just the item wrapped around card and inside a cellophane packet. If you are gifting this item you might want to wrap it up or get a gift bag for it.
Removing the item from the packaging was very easy. The material of this item I'd say is like a thick denier pair of tights. That kind of stretchy, thick and dependable material. Once I held it in front of me I thought wow that looks small! But there is a very generous stretch to this item, so do not worry. I am a size 16 and this item fits me. It is quite tight, (I believe it's supposed to be!) but there is enough stretch you are able to pull the item longer if you wish. I am only 5ft and this item was a little snug on me, so I'm not too sure how this'd fit on someone much taller. There is no support in this piece, I wouldn't recommend this if you're looking for lingerie with support. This item is for quick impact sex appeal!
I was pleasantly surprised with how fast and with no fuss this item was to put on. Some lingerie items can take a little working out, but this piece was a dream to put on. I found the easiest way of putting it on is to synch it up (like you do to put on tights) legs in first, pull it up to your bottom (I was mindful not to pull on the sides where the crisscross gaps are, in case it might snare) up around your waist then over your head. I had to shape it around my bust, there's so much stretch it took less than 0.3 seconds. And it's on! Wow, so very flattering and sexy. Normal to sexy minx in under 3 seconds!
This piece really hugs your curves in the sexiest way. I've not seen anything like this in any shops or lingerie departments. I especially adore the design, the flattering lines guiding the eye deliciously down the body, making you look slimmer. The lines cascading over the chest, hugging your curves and in my opinion, adding illusion to a bigger bust.
With a halterneck neckline this makes for it being very easy to put on, looks sexy around the neck and actually offers support to the bust, holding them in! I also was wearing my Lovehoney nipple clamps while wearing this item (check my glowing review of them!) and this added a little pepper to things. Seeing the metal of the clamps through the mesh on the bust - very sexy indeed. However, if you do have your nipples pierced, please be careful with this item as they may catch! But it does indeed make a very sexy visual.
The crisscross pattern then guiding your eyes down the cleavage, which is very sexy and elegant. The crisscross gaping going up the waist to the bust has a slight curve inward, again guiding the eyes to your most narrow part, very flattering. When your partner sees you're wearing no underwear... wow! Eye-popping. You can, of course, wear underwear with this item, but I think it's sexy enough as it is! And when you turn round, the lines going down on the bottom, makes it look pert! This piece of lingerie is very flattering, elegant, sexy and empowering.
This item is very good value for money and I don't think you'll be disappointed! If you're curvy this item is for you.
- Pros
- Very flattering, clever design, durable, stretchy, sexy.
- Cons
- Nothing.
- Bottom line
- 10/10, I look forward to wearing this item in the future.
- 7 people found this review helpful. Was this review helpful to you? Yes
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Love this
Reviewed: 15 November 2018 by Xemzsx, a Bisexual Going Steady Female
I don't normally buy things like this in fear of them ripping easily.
I have worn this over 5 times and it's still perfectly fine. Which was an added bonus.
The material is lovely and looks lovely on very slimming. Has really helped with my body confidence.
Looks super sexy.
- Pros
- Fits well, looks super sexy on.
- Cons
- Nothing.
- Bottom line
- Amazing!
- 1 person found this review helpful. Was this review helpful to you? Yes
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I just finished listening to Jenny Lawson's Furiously Happy on audio today and I absolutely loved it.Furiously Happy is a memoir about Lawson's life; specifically her struggles with mental illness which she explores with amusing essays featuring her blog, her family, and her life.
It is exactly as she described it: a funny book about horrible things, and for anyone who suffers from mental illness, like depression or social anxiety, it is an easily relatable book and comforting when you learn how the author counters her illness.
Some of my impressions:
You can't take yourself too seriously.
That much is obvious. You have a bad day, you embarrass yourself, you cry about it, but you move on. There are many things that happen in her life that I would be mortified about but she seems to have master the knack for laughing about it sometime down the road.
She relies on family and the comfort of friends.
Relying on the comfort of loved ones on those really down days is a good option. You feel so alone inside, but you don't have to be physically alone. Loved ones are there to provide support when you need it.
She has mastered the art of pretending.
She is good friends with Neil Gaiman who gave her some great advice when she was having doubts about being able to read her own book on audio. She told him she wasn't any good at it, and he told her (something along the lines of), "pretend that you are good at it."
Take a deep breath and step forward.
It's not always easy to move forward when your mind is telling you that you can't possibly leave the house right now, because then you'll have to talk to people and sometimes there are days when that is just exhausting. In that case…
Learn how to push yourself.
Even when it is very difficult; because the rewards are worth it in the end.
And that's it really. I'll probably end up listening to it again in a few days. I found it a great comfort and relief to know that I shouldn't have to make excuses for myself on my bad days. Because those that also experience the same things that I do, completely understand.
What do you guys think? Have you read or listened to Furiosuly Happy? What were your thoughts on it?


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Calling all dog lovers – Blue Buffalo and Tractor Supply Co. are supporting FFA this fall through a promotional partnership.
For each 30-lb bag of Blue Buffalo Adult Chicken & Brown Rice, Adult Lamb & Brown Rice or Adult Large Breed Chicken & Brown Rice purchased at Tractor Supply stores nationwide from July 31st through October 1, 2017, Blue Buffalo will make a $1 donation (up to $50,000) to the National FFA Organization.
This offer is available both online and at most Tractor Supply stores nationwide.
Since 1985, Tractor Supply Company has supported the FFA mission, through funding scholarships, sponsoring national FFA events and youth awards.


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Liebherr crane erects first wind turbine in KSA
Dammam's Gulf Haulage Heavy Lift Company uses Liebherr LR 1750 crawler crane to lift 410 tonnes of components for Saudi Arabia's very first commercial wind turbine
Dammam-based heavy haulage and heavy lift contractor Gulf Haulage Heavy Lift Company (GHHL) has erected the very first commercial wind turbine in Saudi Arabia using a Liebherr LR 1750 crawler crane.
The wind turbine, located in Turaif in the northeast of Saudi Arabia, has a total weight of 410 tonnes and will generate power for a bulk plant facility operated by state oil company Saudi Aramco. The tower is 84m high with 60m long blade and a nacelle (turbine housing unit) weighing 83 tonnes.
The project is an important first step for wind energy in Saudi Arabia, and for Saudi Aramco's ambitious plans to deliver 9,500MW of renewable energy as part of Saudi Arabia's vision for the year 2030.
The challenge in the case of the project in Turaif was the transport of the 410 tonnes of wind turbine components from the industrial port of Jubail 1,250km away to the site.
In the event, the three blades, the nacelle and tower sections were transported in a convoy of tractor vehicles and special trailers over the distance in less than six days.
After the tower segments were assembled, the 83-tonne nacelle was installed at its operating height of 84m. Together with the installation of the blades, the erection of the entire wind turbine took just two days.
High wind speeds in the region complicated the planning process, but the team at GHHL completed the first project to erect a wind turbine in Saudi Arabia comfortably and safely.
With its wide range of boom systems, the Liebherr LR 1750 crawler crane is suitable for a large spectrum of applications and is used around the world to erect wind turbines.
Liebherr has also developed a number of boom systems especially for this purpose to meet the steadily growing demand from commercial wind farm operations, which are very common in both Germany and Switzerland.
As for GHHL, the company has 30 years' of experience in heavy haulage and heavy lift contractors in Saudi Arabia and the Middle East. Its fleet includes cranes with a lifting capacity of up to 2,000 tonnes and a combined 300 axles of components for making up modular and self-propelled heavy goods trailers.
Also in Saudi Arabia, Liebherr opened a newly erected facility in Dammam in late 2016 to strengthen the sales and service staff of its cranes, foundation work and concrete technology product divisions in the east of the country.
The timing could hardly be better, as Aramco has already plans in place for a further 300MW- to 400MW-capacity wind project.


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Rescued Polishness
At the end of the nineteenth century, Harbin in Manchuria became home to many Poles. The enthusiasm and resourcefulness of Poles settling among the Chinese on the Songhua River produced results very quickly.
Harbin expanded in the blink of an eye. Next to the railway, the first industrial plants were created, creating jobs – although Poles were far away from their homeland, many felt at home.
From the very beginning, the Church played an important role in integrating the Polish community, consisting of several hundred people. The first temple was erected by the residents of the city at the beginning of the twentieth century. It soon turned out that the wooden church was too small to fit the congregation, so a decision was made to build a larger church. Engineer Mikołaj Kazy-Gierej prepared a design. The workers dug the first shovel into the ground in 1906 and already in 1909 Bishop Jan Cieplak, suffragan of Mogilev and later Archbishop of Vilnius, consecrated the neo-Gothic style St. Stanislaus Church. The church became a place for prayer for Chinese and Korean people as well. A few years, a second church was constructed to cater to the constantly expanding Polish community.
Chinese on the Matura exam
In 1909, the priest Władysław Ostrowski, a passionate priest and a respected social activist, begins began his pastoral service in Harbin. Shortly after being ordained, Father Ostrowski established the Society of St. Vincent de Paul. In doing so he wanted to help the needy, the poor, and refugees who come to Harbin from Siberia. But he also wanted to propagate Polishness, especially among the youngest. Even though many residents of the new city felt very attached to their Polish identity, they spoke Polish very poorly. Some of them communicated only in Russian. The parish priest established a primary school next to the Society. It became the second facility in Harbin providing educational instrument to Polish children. The first one was set up in 1908 by the activists of the Cultural and Educational Association "Polish Inn" (Gospoda Polska), created a year earlier.
In subsequent years Poles developed a network of schools. They understood how important education is for the young generation. The third primary school and the H. Sienkiewicz Secondary School are formed, and later the latter is granted powers to conduct final exams, (Matura) recognised by the educational authorities in free Poland. The subjects taken at the Matura exam, alongside Polish and English, also included Chinese. The Polish community created very good conditions for young people. They built a modern, spacious secondary school using their own contributions. Over 34 years of existence of the secondary school (by 1949) about a thousand students studied here, and 228 certificates of secondary education were issued. By 1949, after 34 years of existence, about a thousand students had studied here 228 secondary education certificates had been issued. In Harbin, the Ursuline Sisters of Poland established their school for Russian, Korean and Chinese girls. There was also a lower seminary for young men.
Demons for spirit
Polish activity in Manchuria was completed by culture. An amateur theatre staging ambitious plays was created at the "Polish Inn" Association. Among others, it produced Wyzwolenie (Liberation) by Stanisław Wyspiański. Young Poles fulfil themselves artistically in a song and dance ensemble. The Association ran a well-stocked library and published Polish press. A group of young people fascinated by Chinese culture and language, with the support of the Polish Consul in Harbin, Konstanty Symonolewicz, developed the first Polish Harbin transcription of Chinese characters, and translated Chinese poets into Polish.
Scouting also helped them preserve their Polishness. There was a resilient scouting troop, both male and female. A Sport Team "Falcon" with basketball, football and athletics sections was created. The hockey team also achieved success. Its captain, Michał Antuszewicz, alias "Mandżur," after his return to Poland continues his sport career and in 1952 represents our country at the Olympic Games in Oslo. Its captain, Michał Antuszewicz, alias "Mandżur," continued his sport career upon his return to Poland and in 1952 represented his country in the Olympics Games in Oslo.
In the interwar period, the Polish community in Manchuria maintained close ties with the homeland, primarily through the consulate. Poles from Harbin helped the Polish state and Polish companies establish business contacts with Chinese enterprises. Our countrymen came to Manchuria, as well as Harbin, in waves. First, together with the builders of the Chinese Eastern Railway, then after the Russo-Japanese War, and later following the turmoil of the First World War. Another wave consisted of people running away from the Bolshevik Revolution. As a result, the Polish community in north-eastern China became the most numerous –composed of more than 10,000 people, of whom three quarters lived in Harbin.
Twilight of "small Poland"
Poland's regained independence provided a stimulus for Poles to leave Harbin. In Harbin this event was greeted with great enthusiasm. After the departure of Polish railway workers in 1925 about 4,000 Poles remained in Manchuria.
In the following years, at the time of the economic crisis, subsequent groups left Harbin, most of them returning to their homeland, while others chose Australia, the USA and Canada. The historic turmoil also played a role with regards to the departures. While the Japanese occupation was not very severe for the Poles, the revolution of Mao Tse-tung was. The Communists disbanded the "Polish Inn" and the Polish Civic Committee, and in their place created the Provisional Polish Committee in Manchuria which enjoyed the confidence of the new authorities. One of its tasks was to prepare the repatriation to Communist-occupied Poland. In July 1949, 784 people in three rail transports came to Poland through the Soviet Union. A group of 450 Poles still remained in Harbin, but left China in trickles until 1963. The last Pole did not leave Harbin until 1993. And this is how a nearly century-long presence of Poles on the Songhua River ended.
Dariusz Pogorzelski
Source: Nasz Dziennik


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With a strengthening economy and a long-term plan, it is quite possible to make money in residential real estate and create a solid income. Careful planning and an understanding of some basic financial principles can help you develop a steady cash flow as well as tremendous equity in a property that will provide a significant return on investment at an eventual sale.
Author: Derek Worchel
How to Make Money in Residential Real Estate: Part One
While most people can realize a profit by buying then selling a home, whether they live in it for a while or simply 'flip' it, there is tremendous income potential when you invest in residential real estate as a rental property. Read on to discover how to make money in residential real estate.
The Art and Science of Flipping Houses
There has been a lot of attention focused on the money to be made flipping houses but it may not be as easy as it seems. Like any other type of investment, knowing what you are getting into is important and can mean the difference between success and failure.