text:
|Publication number
|Publication type
|Application number
|Publication date
|Jun 7, 2011
|Filing date
|Feb 5, 2002
|Priority date
|Feb 13, 2001
|Fee status
|Also published as
|Publication number
|Paul Stoxen, Christina Chow, Can Demirkaya, Manoj K. Kejriwal
|Original Assignee
|American Express Travel Related Services Company, Inc.
|Export Citation
|BiBTeX, EndNote, RefMan
|Patent Citations (83), Non-Patent Citations (34), Referenced by (1), Classifications (13), Legal Events (3)
|External Links: USPTO, USPTO Assignment, Espacenet
This application claims priority to, and the benefit of, U.S. Provisional Application Ser. No. 60/268,538, filed on Feb. 13, 2001 and U.S. Provisional Application Ser. No. 60/268,656, filed Feb. 14, 2001, both of which are hereby incorporated by reference.
The present invention relates generally to a system and method to facilitate the real-time product application process for multiple clients, and more particularly, to an electronic product acquisition and credit bureau interface platform that is configurable, depending on clients' needs, to capture and process data from applicants; provide real-time screening and profiling; enable real-time credit decisioning, and/or provide real-time product or service fulfillment.
Many investment, financial, or general service companies offer customers a variety of different products and services. For example, companies such as American Express, Chase, Schwab, AT&T, and/or the like typically offer customers a multitude of products or services, such as financial planning services; credit or charge card products, savings and checking accounts; travel services; reward programs; telephone accounts, utility accounts, internet services, cable services, online brokerage accounts, etc. Many of these products or services are provided by various business groups within the company; while many other products or services may be provided by subsidiaries, third party vendors or contractors. To facilitate the application process for each of these products and/or services, an application processing infrastructure is needed. Typically, each business group, vendor, etc. (collectively referred to herein as the "client") is responsible for creating and managing the infrastructure for its own product. For example, a company's credit card product infrastructure may be operated and maintained by the company's credit card business group, while the company's investment products and services infrastructure may be operated and maintained by a third party trading partner, or perhaps, by an investment services business group. Therefore, companies, through their various "clients" typically maintain separate and distinct application processing infrastructures or platforms for each product or service offered. As can be appreciated, this results in significant infrastructure cost to the company, where redundant infrastructure development, operation and maintenance is typical in new product development and implementation. Also, because of separate, and often incompatible, infrastructure platforms, the customer, desiring more than one product from a given company, is forced to re-apply for each product, typically re-entering previously entered information.
With the advent of the internet, real-time application processing has become prevalent, where the applicant is allowed to apply online over the company's website. Generally, the online application process involves the applicant submitting his application data to the company over the internet. This is typically accomplished by the applicant completing the company's requested online form fields, such as name, address, occupation, social security number, income, and/or the like. The company then receives this information and generally processes this information manually, applying various application criteria, depending on the particular product or service requested, to determine if applicant is approved for the new product or service. If the applicant is approved, an account is normally set-up and the applicant is sent, via regular mail, the product and notification of approval.
Recent developments to online application processing have involved applying online and obtaining a real-time application decision during the same online session. For recent developments in this area, see U.S. Provisional Application, Ser. No. 60/268,658, filed Feb. 14, 2001, and a currently co-pending utility application, entitled Real-time Brokerage Account Application System and Method, filed on Dec. 20, 2001, both of which are hereby incorporated by reference. This real-time application and decisioning process requires additional infrastructure for processing data, formatting data, communicating data to/from various entities such as credit bureaus, and setting up accounts by associating or assigning account numbers, privileges, credit lines, etc to the approved applicant. This infrastructure typically includes, for example, various web servers, application servers, financial capture systems, accounts receivable/payable systems, securities management systems, trading systems, and the like. As previously noted, each client bears the expense for this infrastructure, where each client typically operates and maintains their respective system infrastructure. As such, a problem with existing infrastructure development is that companies, with multiple clients, offering many products and services, have traditionally incurred substantial costs associated with developing, operating and maintaining separate account application processing infrastructure. Similarly, this redundant infrastructure, has also resulted in requiring the applicant to access different sites or submit information more than once when multiple products are desired.
The present invention is a standardized product and/or service acquisition system and method for providing multiple clients (e.g., business units or third party vendors) with a single multi-use real-time application processing infrastructure (referred to herein as an "E-Acquisition system"). This E-Acquisition system may be configured, according to each particular client needs, to, for example, request, receive, capture, and screen data; obtain a credit decision, if necessary; and/or fulfill product or service requests.
More particularly, the E-Acquisition system reduces the amount of data reentry and processing necessary to fulfill multiple product or service requests. The system facilitates, inter alia, real-time data acquisition (i.e, capturing data and pushing to another system, such as a vendor), real-time decisioning (i.e., capturing data, accessing a credit bureau, retrieving a credit score and applying decision rules to determine if application is approved, denied or deferred), and real-time account generation or fulfillment (i.e., capturing data, acquiring credit bureau decision, and providing applicant with product or service requested). In other words, this invention provides a framework that contemplates three exemplary phases or models of operation: (1) data capture, (2) data processing and decisioning, and (3) fulfillment; where, depending upon a client's requirements, one, two or all three phases are performed by the E-Acquisition system to facilitate the client's application and/or fulfillment needs.
Additional aspects of the present invention will become evident upon reviewing the non-limiting embodiments described in the specification and the claims taken in conjunction with the accompanying figures, wherein like reference numerals denote like elements.
The present invention is a comprehensive and standardized electronic product or service acquisition ("E-Acquisition") system and method providing real-time data capture, data processing/decisioning and/or fulfillment functionality for virtually any type of product or service offered by a company through its various business units, third party vendor or other entity. Business units, third party vendors, business partners, or any other entity desiring a centralized system for fulfilling product or service event requests are collectively referred to throughout as "clients." In other words, this invention is useful for any entity that provides products or services to customers and who therefore require some form of electronic data capture, application processing/decisioning, and/or fulfillment. While some clients, because of existing infrastructure, for example, may only desire limited application processing functionality (e.g., obtain credit decision), others will need full functionality (e.g., capture and process data, obtain credit decision and fulfill product or service request). It should be appreciated that clients who desire electronic acquisition services also require the ability to frequently modify their presentation to the applicant (e.g., web pages). As an integrated E-Acquisition System client, there is generally little, if any, effect on the data capture process for changes to the application pages (i.e., add, remove or modify capture fields).
Multiple clients typically engage the E-Acquisition system to facilitate their various application processing and fulfillment requests. The E-Acquisition system frees the client's system developer from having to deal with web-server to application-server communications. It further provides storage for user-defined XML data, eliminating the need to create and manage a separate relational databases for every new fulfillment system. Also, the E-Acquisition system provides interfaces to commonly used core services (i.e., data storage and retrieval, credit bureau access, security administration, etc. With this system, developers can concentrate on building the business logic required to perform the fulfillment of their specific product or service, rather than building system infrastructure. Therefore, the present invention facilitates the re-use of components by enabling one centralized application processing system to receive product and/or service requests for core services from a number of different clients. This infrastructure consolidation and component re-use saves clients money and, by reducing the need to develop product-specific infrastructure, enables clients to reduce the time to market for new products and services. Indeed, the present invention overcomes unneeded infrastructure redundancy that has plagued larger companies by centralizing the application process in one system, thereby allowing multiple clients to access and utilize a centralized infrastructure for product or service application processing and fulfillment. Accordingly, the electronic acquisition system is a systematic, proven and repeatable process, the advantages of which include: the elimination or reduction in the need for additional acquisition infrastructure (e.g., database development and configuration, dedicated workflow process, dedicated batch process, dedicated reporting, etc.); an improved time-to-market for business units and vendors; reduced acquisition costs for new products and services; minimized support due to the common infrastructure (centralized production support, reusable components, reduced infrastructure and business operation costs); and enhanced availability.
The present invention is described herein in terms of functional block components (
To facilitate the application process, clients 20 may use existing Workers 114 or may add or contribute interfaces (i.e., Workers 114) to the Acquisition System 100. When a new Worker 114 is added by the client 20, the client 20 configures the Worker 114 to E-Acquisition system 100 standards. These new Workers 114 may then be incorporated into the E-Acquisition System 100 for subsequent re-use by other clients 20.
The E-Acquisition system 100, in an exemplary embodiment, is a Java-based implementation residing on Websphere 2.0.3 and/or Websphere 3.5 application servers. In an exemplary embodiment, where E-Acquisition system 100 does not have a direct web presence, it provides its clients with communication means for integrating applications to communicate with the E-Acquisition system 100. Protocols used for communication include HTML/HTTP, RMI, and/or the like. It should be appreciated, however, that the E-Acquisition system 100 may include various web servers, APIs, application servers, fulfillment engines, routers or other computing systems including a processor for processing digital data, memory devices coupled to said processor for storing digital data, an input digitizer coupled to the processor for inputting digital data, application programs stored in said memory and accessible by said processor for directing processing of digital data by said processor, a plurality of databases, said databases including client and/or applicant data, financial institution data and/or like that could be used in association with the present invention. It should be appreciated that communication among the applicant 1, the client 20 and/or E-Acquisition System 100 may be accomplished through any suitable communication means, such as, for example, a telephone network, intranet, internet, extranet, point of interaction device (point of sale device, personal digital assistant, cellular phone, electronic kiosk, etc.), online communications, off-line communications, wireless communications, a dedicated or non-dedicated communication channel and/or the like.
More specifically, Handlers 112 are software modules designed to execute fulfillment logic to deliver the products or services desired. Handlers 112 are deployed, in an exemplary embodiment, as Java objects that reside in the context of the Dispatcher 110 process. Although Handlers 112 are generally application-specific implementations configured for the performance of specific performance logic associated with given products or services, standardized and reusable (built-in) handlers are contemplated. As such, because the business logic for many product and service fulfillment events are similar, Handlers may be configured by the E-Acquisition manager or client, to specific clients' needs, utilizing similar device structures, protocols and instruction sets. Handlers 112 receive event requests pertaining to a particular product or service from the Dispatcher 110, where distributed objects for known events forward the application data to the appropriate Worker. As shown in
Various Workers 114, as generally depicted in
CBI (credit bureau interface) Worker 124, for example, is commonly invoked by various Handlers to communicate with a Credit Bureau Interface (CBI) server 210, which sends and receives data to and from one or more credit bureaus. In an exemplary embodiment, a CBI Worker 124 is configured to communicate with the CBI server 210, which in turn, communicates with credit bureaus and or credit bureau providers 220 such as Experian, TransUnion, and NCO. In another embodiment, another Worker, e.g., Experian Worker (not shown) is specifically configured to communicate directly with the credit bureaus without invoking the CBI Server 210. With respect to an embodiment utilizing the CBI Server 210, should a client need a utility to access and retrieve credit reports from one or more credit bureaus, the CBI Worker 124 from the E-Acquisition system 100 is accessed and invokes the CBI Server 210 to communicate with the various credit bureaus 220 to fulfill that request. Utilizing the reusable CBI Worker 124, the time, effort and expense of accessing credit bureaus is substantially reduced. Instead of each client developing, operating and maintaining a separate infrastructure for communicating with credit bureaus, each client can now access a single Worker to facilitate that event.
With respect to the CBI Server 210, the CBI Server 210 functions as a distributed credit bureau communication system, which is configured to allow multiple and possibly disparate credit bureau resources to be configured. New credit bureau sources are configured within the CBI Server 210, while the interface remains the same. As such, because a limited set of information is generally required by any credit bureau to process a decision, by providing a common interface, the CBI Server 210 is able to manage the mapping of the applicant data to the interface specific needs while isolating the client and allowing a quicker time to market. In operation, clients' requests are directed by any Handler, through the CBI Worker 124, to the CBI Server 210 configured as noted above to communicate with various credit bureau systems. As such, the CBI Worker 124 receives a request with relevant application data and a unique identifier. The CBI Worker 124 invokes the CBI Server 210, where the data for the particular product or service request is transmitted to the CBI Server 210 in a format that is natively defined by using, for example, Java Programming language constructs. The protocol of communication utilized by the CBI Server 210 may be, for example, RMI. The CBI Worker 124 generally processes the client requests to the CBI Server 210 and the various credit bureaus 220 as it receives them, where the CBI Server 210 is specially configured to communicate with specific credit bureaus in a manner recognized by the credit bureaus 220, e.g., MQ or TCP/IP. The request is then processed by the requested credit bureau 220, passed through the CBI Worker 124, and returned to Handler. Although the CBI Server 210 may be accessed by a CBI Worker 124 within the context of the E-Acquisition Server, it should be appreciated that the CBI Server 210 is not dependent upon the E-Acquisition System 100 and can be independently accessed via a remote method invocation by non-E-Acquisition clients. Accordingly, the CBI Server 210 can be accessed separately through the E-Acquisition System 100 or through systems outside the E-Acquisition framework via, for example, any suitably configured JAVA program.
Communication of data among and between the various components of this invention is accomplished using any suitable communication means, such as, for example, a telephone network, Intranet, Internet, an extranet, WAN, LAN, satellite or wireless communications, direct dial connection and/or the like. It will be appreciated that many applications of the present invention could be formulated.
The E-Acquisition system 100 and processes described in greater detail below facilitate particular business events for clients by using a standardized, yet customizable, data capture system and by applying various business rules according to the product or service requested. In other words, each client product or service may specify what data is captured. Further, the E-Acquisition system 100 provides substantially transparent and seamless integration with client systems, enabling faster time-to-market for new products and services because of the ability to integrate this existing E-Acquisition system 100 as a back-end office to existing or newly developed client systems. Although this system is primarily referenced with respect to product or service requests and application processes, it should be appreciated that this invention is not limited to "applying" for a product or service. As such, this invention also contemplates facilitating the general operation and maintenance of cardmember and user accounts. In other words, the E-Acquisition system 100 is also used by various clients for events other than just the "application process," such as for facilitating online authentication, online trading, membership banking, e-pay services, sweepstakes, insurance programs, loyalty programs, and the like. In short, this application facilitates any activity requiring the capture of data and doing something with it, including not only the application process, but also general operation and maintenance.
Exemplary embodiments of the E-Acquisition system 100 provide various product fulfillment services, such as a service for saving/retrieving application data to/from a database during real-time application processing; a facility for retrieving previously captured application data during deferred (batch) processing; detection of duplicate applications (e.g., identification, name, etc); event auditing/logging; various reporting options by category of product or service; services for accessing credit bureau systems; services for communicating product or service requests and account information to the client in a format acceptable by the client. Furthermore, this E-Acquisition system 100 is not a language-dependent platform; rather, the E-Acquisition system 100 is capable of accepting data from many different languages and in a variety of formats. In other words, this E-Acquisition system 100 is capable of accepting application data entered in most, if not all, spoken languages (e.g., English, Spanish, French, etc.). As such, this E-Acquisition system 100 is particularly useful for companies having a presence in multiple countries.
Turning now to an exemplary aspect of the present invention, as shown in
In an exemplary embodiment, as shown in
When XML data is received and passed to the Dispatcher 110, the Dispatcher 110 passes the applicant data to the correct fulfillment Handler 112, where the handler interacts with various workers 114 to capture and process application data, and interface with internal and/or external systems 200 to fulfill the applicant's request. Throughout this process, data is captured and stored by the E-Acquisition system. An Applicant 1 that has already used this system may have a stored profile such that for subsequent product or service request, the applicant need not reenter previously entered information. Additionally, an applicant may partially complete an application in one online session and desire to finish the application in another online session. When this happens, to save application data, a Security Worker may be invoked to save data associated with a designated user ID to a user database (e.g., Database 205). An appropriate worker, e.g., Data Capture Worker 122, is also configured to retrieve from the Utility Database whatever data was previously stored. Thus, this "resume" feature allows applicants to complete an application in several different online sessions.
To facilitate the fulfillment process, an applicable Handler 112 retrieves the applicant's financial information, and compares this information with the appropriate client business rule, invokes appropriate Workers 114 to facilitate communication with appropriate interfaces to fulfill the event request. An exemplary online brokerage application Handler, via a CBI Worker 124 communicates with a CBI Server 210, to access a credit bureau service 220 to obtain an account decisioning or applicant's credit report. Based on this information, the Applicant's 1 request for a client product (e.g., credit card) may be either approved, denied or deferred. If approved, the E-Acquisition system 100 application server communicates, invoking an appropriate Worker, with a New Accounts system (e.g., credit card provider) to open an account. An account number and password may be returned to the applicant in a real-time environment and/or the client may then send the product to the applicant. In an exemplary embodiment, the account number and password is posted to applicant's web page, where confirmation may also be sent to the applicant's email address (previously captured by the user notification worker 128).
The present invention may be used for any product or service application acquisition event or any other system for acquiring application data, such as, for example, a facsimile transmission with, if necessary, subsequent scanning of data from the fax. Other events include, for example, an online brokerage account application offered by an online brokerage client. With this exemplary event, an applicant is able to apply for an online brokerage account by providing applicant data and, if approved, receiving a substantially instant (real-time) account setup and activation.
With reference to
In directing the business logic workflow, the Handler 120 invokes a series of Workers to process the data and fulfill the product request. As shown in
Throughout the above-described process, a Performance Tracking Worker 121 may be invoked by other Workers to track the performances of the Workers in completing particular tasks. As such, for example, the Performance Tracking Worker 121, in conjunction with the CBI Worker 124, may track the time elapsed between sending a request to a credit bureau and receiving a response. Likewise, the Performance Tracking Worker 121 may be invoked to determine the response time in capturing data and saving it to the Utility Database 205. As one can appreciate, the Performance Tracking Worker 121 may be invoked by a Worker or Handler, anytime the performance of a task or event is desired.
A further embodiment (not shown) of the present invention involves the integration of a Test Harness Handler into the E-Acquisition System. The Test Handler facilitates the management of issues surrounding system unavailability and browser "time-outs." As one skilled in online technology can appreciate, one of the problems encountered in developing and implementing a real-time application system, is system failure or system downtime. Toward this end, every client needs to assess E-Acquisition availability and interface availability. With the present invention system unavailability can occur in a number of ways: (1) the Dispatcher 110 may be down, (2) the needed Handler 112 may be down, (3) the requisite Workers 114 may be corrupted or down, (4) the interface systems 200 may be down, or because of heavy data throughput, one or more of the above systems may be unacceptably slow. If a client is not aware when a system component is down, the client will submit the product and/or service request to the E-Acquisition Handler, and only when the specific Worker (associated with the inoperative components) is invoked, will the client become aware of the problem. As such, client's will submit data to the E-Acquisition system and wait for a response. Only when a response is not forthcoming will the client be aware of the system failure—by this time, the applicant's browser has timed-out and the applicant, often in frustration, gives up on his or her online request.
One way to solve the above-described problem is to send a test message with every event request, where the product or service-specific Handler is configured to test component availability by sending test messages. This method, however, is resource-consuming and expensive. For example, since many interface systems 200 and Workers 114 are re-used, multiple clients sending test requests one after the other, will further slow down the product or service processing. Also, each time a credit bureau or NCO 220 is accessed, a fee is charged for this access. To solve this problem, a Test Handler is configured to periodically (e.g., every 15 minutes) verify that all systems are active before an event request is made. When a "test" is made, the results are then shared with all clients to enable clients to send product or service event requests—within a predefined time frame—without the need to send a separate test message. In an exemplary embodiment, the Test Handler is configured to check on the availability of any interface at any time; to report component availability to requesting clients; and to increase or decrease periodic testing depending of volume of product or service requests. This may be done, for example, using a test configuration file or by sending test event via a web page or other automated mechanism that provides a category, product or service identification and a test configuration number. An exemplary Test Handler will maintain two attributes for the interface: (1) Status (i.e., component up/down), and (2) last execution time. The Test Harness is also configured to increase or decrease the testing frequency depending on the previous status report. That is, if the Test Handler returns a message that a particular component is down, the Test Handler may automatically increase testing frequency until the system becomes available once again. The Test Handler is also configured to be integrated with client "re-try" applications. If, for example, a client product request was terminated due to component unavailability, Product or service Handlers are typically designed to automatically retry the request. The Test Handler prevents multiple "re-try" attempts by first checking the component report or initiating a test request, prior to sending the "re-try." Also, the Test Handler, in addition to invoking Workers, to, for example, send a test request to the Credit Bureau Interface 210, a separate Performance Worker 121 may be configured to not only report on whether the component is up or down, but also, if the system is up and determine if it is processing efficiently. As such, using the Test Handler in conjunction with the Performance Worker, allows clients and/or the E-Acquisition system manager to schedule discretionary operations (e.g., system maintenance, upgrades, etc.) for optimum performance. In addition, it would be expected in an exemplary embodiment that when normal traffic is sent to Product Handlers 112, they would update the last execution time for the Test Handler—the net effect being the ability to "take credit" for a real-time data request and therefore prevent a test of the same system when traffic has occurred within the pre-defined test period (e.g., 15 minutes).
Additional exemplary embodiments of the present invention include a device and method to restrict duplicate application processing, to retry event requests in the event a previous attempt is unsuccessful, and to collect background information associated with an event request.
With respect to the device for restricting duplicate application processing, known-in-the-art fuzzy logic programming is employed to prevent the processing of applications with substantially similar data. For example, the present e-acquisition system may be configured to prevent multiple submissions by any single person. This is useful for clients such as credit card companies who do not want to issue multiple lines of credit to the same person. As such, applications with the same, or similar, application data my be rejected if the programming logic determines that the application relates to the same person.
With respect to the device and method for retrying event requests, it is desirable to facilitate processing within the e-acquisition system and to prevent manual processing of the event requests. Accordingly, the e-acquisition system is configured to retry event requests a predetermined number of times if a previous event request fails.
Oftentimes, a client may wish to track event request data or associate specific information with an event request. As such, an exemplary embodiment of the present invention is configured to collect background information and associate this data with the event request. The event request is processed through the e-acquisition system as discussed above, while passing the desired background information with the event request.
It should be appreciated that the particular implementations shown and described herein are illustrative of the invention and its best mode and are not intended to otherwise limit the scope of the present invention in any way. Indeed, for the sake of brevity, conventional data networking, application development and other functional aspects of the systems (and components of the individual operating components of the systems) may not be described in detail herein. Furthermore, the connecting lines shown in the various figures contained herein are intended to represent exemplary functional relationships and/or physical couplings between the various elements. It should be noted that many alternative or additional functional relationships or physical connections may be present in exemplary online brokerage account application systems.
In compliance with the patent statutes, the invention has been described in language more or less specific as to structure and method features. It is to be understood, however, that the invention is not limited to the specific features described, since the means herein disclosed comprise exemplary forms of putting the invention into effect. The invention is, therefore, claimed in any of its forms or modifications within the proper scope of the appended claims appropriately interpreted in accordance with the doctrine of equivalents and other applicable judicial doctrines.
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|Affiliate commerce system and method
|Mar 18, 2002
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|Electronics And Telecommunications Research Institute
|Method and system for accessing data by using SOAP-XML
|Dec 31, 2001
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|Vignette Corporation
|System and method for providing a public application program interface
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|Method and system for multi-currency escrow service for web-based transactions
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|Method and system for real-tme monitoring and administration of computer networks
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|Method and system for providing business partners with access to a company's internal computer resources
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|Electronic acquisition system and method
|Jan 25, 2002
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|Victor Alston
|Dynamically branded web sites
|Oct 4, 2001
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|Robert Weathersby
|Internet-based system for dynamically creating and delivering customized content within remote web pages
|Apr 11, 2001
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|Parry John Chad
|Remote URL munging
|Aug 9, 2002
|Oct 23, 2003
|Secure Resolutions, Inc.
|Singularly hosted, enterprise managed, plural branded application services
|Nov 20, 2003
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|Suzanne Berlin
|Electronic acquisition system and method using a portal to facilitate data validation and to provide a universal client interface
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|Jan 20, 2005
|Blankenship Mark H.
|Register manager for tracking customer attributes
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|Agent-based workflow: TRP support environment (TSE) JW Chang, CT Scott—Computer Networks and ISDN Systems, 1996—Elsevier.
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|www.gmcard.com Printed from the internet Nov. 30, 2005.
|www.starbucks.com/card/duetto.asp printed from the internet Nov. 30, 2005.
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|U.S. Classification
|705/7.15, 705/35
|International Classification
|Cooperative Classification
|European Classification
|May 31, 2002
Owner name: AMERICAN EXPRESS TRAVEL RELATED SERVICES COMPANY,
Free format text: ASSIGNMENT OF ASSIGNORS INTEREST;ASSIGNORS:STOXEN, PAUL;CHOW, CHRISTINA;DEMIRKAYA, CAN;AND OTHERS;REEL/FRAME:012947/0074;SIGNING DATES FROM 20020201 TO 20020314
Owner name: AMERICAN EXPRESS TRAVEL RELATED SERVICES COMPANY,
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|Apr 21, 2014
Owner name: III HOLDINGS 1, LLC, DELAWARE
Free format text: ASSIGNMENT OF ASSIGNORS INTEREST;ASSIGNOR:AMERICAN EXPRESS TRAVEL RELATED SERVICES COMPANY, INC.;REEL/FRAME:032722/0746
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They call it serendipity. Gary Kubiak is coming home. He and John Elway are getting the band back together, in an effort to repeat the Denver Broncos Super Bowl-winning history they shared in the late '90s.
The Denver Post is reporting that the Broncos are finalizing a 4-year deal that will make Kubiak the head coach of the team he once played for, after sending a massive delegation to Houston to interview him. Kubiak will be the 15th coach in franchise history.
The team expects to introduce him on Tuesday. The move comes in time for the Senior Bowl this week, and in plenty of time to prepare for the NFL Combine and draft.
The terms of the deal are not known yet. Elway targeted his guy and like usual, managed to close the deal against all odds. Kubiak was in the running for several other head coaching vacancies, before he withdrew his name from consideration.
Kubiak made it clear that he was content to remain the offensive coordinator of the Baltimore Ravens and that although he was flattered by the interest, he wasn't ready to become a head coach again. Yet.
But John Elway always gets his guy. It will be interesting to see how Kubiak fills out his staff. Of greatest import are whom he'll tap to coordinate the offense and defense. Will he keep Adam Gase around to make Peyton Manning comfortable?
Or will he turn to his quarterbacks coach and former offensive coordinator with the Houston Texans, Rick Dennison? We'll know soon enough.
On defense, Kubiak has several options. One is Wade Phillips, who happens to be available. He was Kubiak's defensive coordinator in Houston from 2011-13 and the 11th head coach of the Denver Broncos.
It's unclear what this means for Manning. Based on John Elway's comments in his presser last Tuesday, Manning likely had some input on the Kubiak hire. Together, Manning and Kubiak can find some common ground and a lot of success on the grid-iron.
Chad Jensen is the Publisher and Lead Analyst for MileHighHuddle. You can find him on Twitter @ChadNJensen and on Google+.
Follow MileHighHuddle on Twitter @MileHighHuddle and become a subscriber to receive access to premium content and discounted Broncos tickets.
See what Broncos fans are saying here

subset: commoncrawl


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WDCC Gaston Classics Piece - Village Heartthrob - RARE!
- Sold for: Start Free Trial or Sign In to see what it's worth.
- Item Category: Toys, Dolls, Games & Puzzles
- Source: eBay
- Sold Date: Jul 09, 2007
- Channel: Auction House
Walt Disney Classics Collection
"Village Heartthrob"


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|Guide on Family Planning Advocacy through Faith Leaders
|{sharethis label=}
CCIH has released a collection of resources to help faith-based organizations advocate for family planning with the engagement of religious leaders. In cooperation with the Christian Health Associatiion of Kenya, the Churches Health Association of Zambia and the Ecumenical Pharmaceutical Network, CCIH developed a step-by-step guide to help organizations train religious leaders to advocate for family planning with their communities, governments and the media. The guide is available in English and French. The collection of resources and the guide can be found here.
Family Planning Advocacy through Religious Leaders: A Guide for Faith Communities
This document guides the efforts of faith-based organizations to equip and encourage religious leaders to advocate for family planning with their governments, the media and their own congregations and communities. It was inspired by work with religious leaders carried out by CCIH, the Christian Health Association of Kenya (CHAK), the Churches Health Association of Zambia (CHAZ) and the Ecumenical Pharmaceutical Network (EPN). It was funded in partnership with the Bill & Melinda Gates Foundation.
The guide's workbook style presents users with a step-by-step process for training religious leaders and launching advocacy efforts through checklists and interactive prompts. Download the Guide
En Français
Promotion de la planification familiale par l'intermédiaire de chefs religieux: Un Guide pour les communautés confessionnelles
Ce guide a été inspiré par le travail de Christian Connections for International Health (CCIH) (Connexions chrétiennes pour la santé internationelle), Christian Health Association of Kenya (CHAK) (l'Association chrétienne de la santé du Kenya), Churches Health Association of Zambia (CHAZ) (Association d'églises en santé au Zambie), et Ecumenical Pharmaceutical Network (EPN) (le Réseau pharmaceutique œcuménique) pour préparer les chefs religieux à promouvoir les services de planification familiale. Il a été financé en partenariat avec le Bill & Melinda Gates Foundation (la Fondation Bill & Melinda Gates). Télécharger ici
|Last Updated ( Monday, 20 March 2017 10:36 )


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The Surprising Global Variation in Replacement Fertility
DOI: 10.1023/B:POPU.0000020882.29684.8e
- Cite this article as:
- Espenshade, T.J., Guzman, J.C. & Westoff, C.F. Population Research and Policy Review (2003) 22: 575. doi:10.1023/B:POPU.0000020882.29684.8e
It is frequently assumed by the general public and alsoby some population experts that the value ofreplacement-level fertility is everywhere an averageof 2.1 lifetime births per woman. Nothing could befurther from the truth. The global variation inreplacement fertility is substantial, ranging by almost1.4 live births from less than 2.1 to nearly 3.5. Thisrange is due almost entirely to cross-country differencesin mortality, concentrated in the less developed world.Policy makers need to be sensitive to own-countryreplacement rates. Failure to do so could result infertility levels that are below replacement and lead tolong-run population decline. For example, the currentreplacement total fertility rate for the East Africa regionis 2.94. Lowering fertility to 2.10 would, under currentmortality conditions, result in a regional birthrate 29 percentbelow replacement.


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Disclosure: We get a commission for links on the blog. You don't have to use our links, but we're very grateful when you do. American Express, Barclaycard, Capital One, Chase and US Bank are Million Mile Secrets advertising partners. Opinions expressed here are the author's alone, and have not been reviewed, approved or endorsed by our partners. Here's our Advertiser Disclosure.
Great news for folks with a Costco membership who want to try Sam's Club!
Sam's recently tweeted that you can use your Costco membership card at any Sam's Club location through July 4, 2016.
While you're comparison shopping at these wholesale clubs, I'll tell you 2 cards that earn points or cash back!
Costco Members Get Access to Sam's Clubs
Ever wanted to compare Costco to Sam's Club? Maybe your local Sam's Club is closer to home than Costco?
Now's your chance to try out Sam's!
Because you can use your Costco membership at any Sam's Club through July 4, 2016.
This is especially good news if you have the Chase Freedom card. Because when you register, you can earn 5X Chase Ultimate Rewards points (5% cash back) at wholesale clubs on up to $1,500 in combined spending in bonus categories each quarter until the end of 2016. This includes Costco, Sam's Club, and BJ's.
And if you also have the Chase Sapphire Preferred, Ink Plus, or Ink Bold (no longer available) card, you can transfer your Chase Ultimate Rewards points to airline and hotel partners for Big Travel!
You can read my full review of the Chase Freedom card here.
Just remember, the 5X points bonus does NOT include gas, fuel, or wholesale club service purchases like travel, insurance, cell phones, and home improvement.
If you prefer earning cash back without having to remember rotating bonus categories, consider the Freedom Unlimited card. You'll automatically earn 1.5% cash back on all of your purchases!
You can read more about the Freedom Unlimited card here.
I wonder which wholesale club has the best deal on cat food for Joey? 😉
* If you liked this post, why don't you join the 25,000+ readers who have signed-up to receive free blog posts via email (only 1 email per day!) or in an RSS reader …because then you'll never miss another update!


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German Shepherd Dog Forums (http://www.germanshepherds.com/forum/)
- Choosing A Breeder (http://www.germanshepherds.com/forum/choosing-breeder/)
- - Newbie here, looking for a breeder in northeastern USA (http://www.germanshepherds.com/forum/choosing-breeder/466473-newbie-here-looking-breeder-northeastern-usa.html)
Newbie here, looking for a breeder in northeastern USA
We would prefer a breeder in New England, but we don't mind going a little further. We're hoping to spend between $500-$1000 since we want a pet as opposed to a dog that needs to be tractable enough to do competitions and clubs. A low to medium drive dog would be best for our lifestyle. We do vastly prefer white and black GSDs, and have a particular affinity for the long-haired variety, but coat length doesn't really matter.
We would rather not rescue because I want a dog that can go hiking and bike riding with me, and we're concerned that rescuing is setting ourselves up for a dog with hip dysplasia and other health problems. If I'm wrong about this, let me know. We prefer rescue animals and have always had mutts, but since purebred GSDs are prone to so many issues, it doesn't seem as safe as rescuing a mixed breed that is not as likely to have health problems.
We did find one breeder that looks promising and their animals have excellent temperaments; I have met several of them and worked alongside one back when I was an animal-assisted therapist at a nursing home. The breeder is Northern White Shepherds in Vermont. Does anyone know anything about this breeder? Thanks!
This site has some responsible breeders listed as well as answers to some of your questions. Good luck in your search! My advice would be to please take your time and learn as much as possible about the breed, different lines as well as how to choose a responsible breeder(usually one that has foundation lines and longevity they can prove with transparency)
German Shepherd Guide - Home
My advice is to be a little more flexible on price. $500-$1000 is definitely on the low end if you're buying from a reputable breeder. Ultimately the purchase price of your pup is going to be the least of your expenses. In my opinion it would be better to spend a little more to go with a breeder whose has a sire and dam with good temperaments, X-rays parents for hips, spends for vaccines, quality food, etc.
Just to give you an example, when I was a kid we bought a cat from the local pet store. They wanted $10. My father was outraged and told them no way he'd spend more than $5 on a cat. We got the cat for $5. Six months later the cat developed an intestinal blockage. The vet told him the operation to save him would cost $1000 By then our family had become very attached to the cat. The cat had the operation. And that's how our $5 cat turned into a $1005 cat. :)
I remember buying a $3 cat from a pet store(this was way before puppymill/pet store partnership) and he was a long lived companion with no health issues. Though his front canine teeth were curled so we dubbed him Liquor(licorice, licker) because his tongue stuck out until his adult teeth came in. He was a very cool grey tiger.
That said, I so agree with John C....support the breeder doing it right, that means paying for their investment in their program. The good breeder health tests, trains, titles and knows exactly what their dogs strength/weaknesses are to help them decide on breeding matches to compliment the dogs. The least you'd pay is about a grand....though now and then good breeders sell for under that. Finding such a breeder is pure luck or knowing someone that knows someone/then trust is key.
The general costs associated with dogs, such as vet bills, aren't a problem - we're just personally not comfortable spending more than $1000 on a puppy when something could still go wrong. Puppies are fragile. A friend of mine spent $3000 on a puppy from a fantastic breeder, and the puppy died from parvo.
If we're vastly underestimating the cost of a German shepherd that's in good health and didn't inherit serious temperament issues, we will certainly reevaluate our expectations, but I found quite a few breeders that are well-known and well-liked who sell pups for around $700-$800.
Depends what you want. I really don't know what American show lines are going for. For working lines, expect to pay somewhere in the 1500-2000 range. For German show lines, expect somewhere in the 2000-3000 range.
There's always exceptions, but I think those prices are pretty typical. I'd imagine none of the breeders jane posted in the link above charge $1k or less.
And you keep mentioning you just want a pet and not looking to compete, but why should you have a dog with any less of a temperament than a dog that is able to compete in something? A pet dog should have every bit the nerve base than a dog that is going to compete or be worked. Breeders that are charging too good to be true prices are typically not the breeders anyone should be buying dogs from.
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Mia means 'sugarcane' and stays at Mia Resort sure are sweet, thanks to the private beach, excellent restaurant and romantic rooms set on sand or cliffs. In the peaceful spa, guests are rubbed with coconut oil or coffee grains; if you want to explore, a free shuttle service deposits guests in nearby Nha Trang.
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- Home /
- Customer service /
- Using your Shopping Basket
Using your Shopping Basket
Your digital basket makes it easy to adjust quantities of products you'd like to order, or to remove them from your order altogether. You can adjust the quantity of each product you would like to order by changing the number in the window that displays the current quantity, and then click the refresh button to display the new, correct quantity of products (what you will see in the [sub]total price).
You also have the option to fill in a gift card code or discount code. The discount will be calculated automatically and displayed for you. It is not possible to fill in more than one discount code at a time, though you may use multiple gift cards at once.
Please be sure to check the terms and conditions on your coupons and gift cards, as some of them are only valid for a limited time or can only be activated after a particular date.
If you're satisfied with the contents of your shopping cart, then you can complete your purchase by continuing with the order process. Begin by clicking on 'pay'.


text:
Recent reviews
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Find reviews that mention:
Dresser Palmer House is a great choice for a stay in Savannah. You can unwind with a drink at the bar/lounge, and free full breakfast is available daily. Rooms at this historic bed & breakfast offer up nice touches like fireplaces and premium bedding.


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You can not carry at the the Ohio STATE fairgrounds. It is owned by the state, making it a governmental property. Even if you never went inside a building while at the beef expo, (but I would think you would be in the livestock barns) will you need to use the restroom at any time while there? If so, you are entering a building. Violation of the law. The fairgrounds are posted at the street. Do they search your car? NO!
Come say Hi at the Deer & Turkey expo. Buckeye Firearms will have booth #637 there (near the food court).


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Well, a few days to go before the big day! Pressies are all wrapped although I do need one tin of chocolates for work and they are all in bags ready to be taken with me this morning to work so I can deliver quite a few this week. Very organised for me. Unfortunately cards aren't too organised and still writing - some now need to go 1st class!!
Still got snow and more forecast. Had to buy some new wellies yesterday and will post a photo later - promise!
It's going to be a hard week at work - especially as one of the secretaries (the most intimidating person I have ever met and a complete bully - our department seems to attract bullies!) has this bright idea that we can get all our work up-to-date by 04.01.10 (for me that means 23.12.09) as our line manager (a nursing sister) has told her that we will all have to pool our work soon and this is her idea of stopping it. Well that's fine in hindsight but she doesn't have the same workload that some of us have and her work standard is terrible and she desn't realise pooling the work won't decrease the workload. As another secretary pointed out aren't we going to be asked by management why we needed overtime for the last few months if we can suddenly catch up with the work now the overtime has stopped!!! Anyway off to get read to go to work for a very hard week ahead of me.


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|Page (1) of 1 - 02/25/11
|email article
|print page
Dennis Rodman, one of the NBA's best all-time rebounders, described his success like this, "I'm hungrier than those other guys out there. Every rebound is a personal challenge." Rebounding is about desire and hard work. Follow these simple steps to learn
|How To Box Out And Rebound In Basketball
Source:GrabNetworks (c). All Rights Reserved


text: This is a 31 Plymouth pickup that has a 383 out of a 71 Plymouth Sport Fury with the long tube cross ram intake with dual 600 Edelbrock carbs. Aluminum radiator, electric fan, and electric fuel pump. Transmission is a Chrysler 727 and has about 4000 miles on it build with red clutches and bands with a moderate shift kit. The suspension is manual control air ride with a triangulated 4 link rear, open ford 9 inch, reverse corvair steering with a 4 link panhard bar front. Frame is custom made for the truck. New tires in 2013 and has been stored inside all of its life. This car I have owned and driven since 2012. I has been featured in multiple magazines, been driven about 20,000 miles, went to the Bonneville Salt Flats in Wendover, Utah, and all over Washington and Oregon. I am only selling due to needing to down size. 14,000obo. Part trade welcome. Located in Burbank, Wa. I have pictures of full build.


text: Home > Computer Peripherals > Storage This article was posted on 08/14/2012 Enclosure with keypad secures 2.5-in. HDD The S2510BU3PW encrypted USB 3.0 portable hard drive enclosure features a touchpad that enables users to secure the contents of a 2.5-in. SATA hard drive/SSD quickly and easily. The secured drive enclosure is compatible with Windows-, Mac OS-, and Linux-based computers, and supports full USB 3.0 data transfer speeds.The enclosure has real time 256-bit AES hardware encryption, uses a 32-bit ARM-based controller, and handles SATA drives up to 9.5 mm in height. ($117 each — available now.)By Jim HarrisonStarTech.com, Lockbourne, firstname.lastname@example.com Learn more about StarTech.com Related Articles What are skyrmions and how can they save computer memory? How to create and mount disc images from CD files What's inside: Samsung SSD T3 Is Spotify killing your SSD? Purchase the S2510BU3PW S2510BU3PW S2510BU3PWPS Add Comment Text Only 2000 character limit Please login to comment on the article


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About Me
CurrentUniversity of Memphis
MajorHealth Administration
Graduating Class2013
HometownGulf Shores, AL
Follow Clayton's Progress
The University of Memphis is a learner-centered metropolitan research university providing high quality educational experiences while pursuing new knowledge through research, artistic expression, and interdisciplinary and engaged scholarship.
CollegeUniversity of Memphis
LocationMemphis, TN
- Verified by University of Memphis
Clayton Bradley Ward Earns Degree from University of MemphisClayton Bradley Ward earned a Master of Health Admin degree in Health Administration from the University of Memphis during May 12 commencement ceremonies. The University of Memphis is the flagship...Spring 2013Verified by University of MemphisExpand ▾
Clayton Ward Named to Dean's List at University of MemphisClayton Bradley Ward of Gulf Shores, Alabama was named to the Dean's List at the University of Memphis for the spring 2012 semester. The Dean's List is composed of students who have 12 or more ear...Spring 2012Verified by University of MemphisExpand ▾
Colleges across the country are recognizing students from Gulf Shores High School for their on-campus success. Click any achievement to discover alumni from Gulf Shores High School, view their personalized Merit pages, and learn about what they are acc...
High SchoolGulf Shores High School
TypePublic High School (9-12)
LocationGulf Shores, AL
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Clayton has not added any work experience yet.


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Marine Events Calendar
Welcome to Events, a list of maritime-themed events from around the world. To order by Date, Event, Venue, Location or Category, click the respective title at the top of the list.
See also the list of past events.
Baird Maritime
- Title:
- Marine Batam Expo (MBE 2011)
- When:
- 12.10.2011 - 15.10.2011
- Where:
- Pacific Palace Hotel - Batam, Indonesia
- Category:
- Ports/Shipping
Marine Batam Expo exhibitions specializing in Shipping, Offshore buildings, on the occasion of 2011 is organizing the 4th time, and on the occasion of the implementation in 2011 will further explore the potential of the maritime world environment-friendly and industry - shipping industry, offshore construction, oil and gas still consider the preservation of the environment.
- Venue:
- Pacific Palace Hotel - Website
- Street:
- Jln. Duyung Sei. Jodoh
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- Batam, Indonesia
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Hadassah Greater Washington
Hadassah Greater Washington carries out the mission of Hadassah throughout DC and the nearby Maryland counties, including Prince George's, Montgomery, and Frederick.
Contact Us
Mailing Address
11900 Parklawn Drive, Suite 350
Rockville, Maryland 20852
Our Chapters
Click here for a calendar of our Region and Chapter events
2016-17 Book Club
Hadassah Greater Washington's Book Club has announced the 2016-2017 program. Print out this handy flyer to stay on schedule and we'll see you at the next meeting! Flyer
Neshama Chapter Information
Nurses Council Information
Ruach Chapter Information
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Shir Shalom Chapter Information
From our President
Welcome to Hadassah Greater Washington!
103 years strong! As Hadassah members we are part of a chain of Jewish women stretching back more than a century. We find ourselves awed by Hadassah's history of accomplishment but at the same time challenged by a new era in which we must adjust to engage more women. As Women Who DO, we will meet that challenge.
As Women for Israel, our members are drawn together by love of Israel and our understanding that we must ensure Jewish continuity. We support Hadassah Medical Organization, which is deeply rooted in the health and economic foundation of Israel. We partner with Youth Aliyah to support children-at-risk.
As Women Who Heal, we support Hadassah's hospitals in Jerusalem, which treat patients from across the globe, regardless of race, religion, or gender. Patients at Hadassah Medical Organization receive the highest standard of care and Hadassah's pacesetting progress in research reaches around the world. In fact, several Hadassah-developed protocols are currently in FDA trials in the United States, specifically to fight ALS, MS, and macular degeneration. Wherever there is a natural disaster or act of terror around the world, Hadassah medical professionals respond.
As Women Who Advocate, we put our Jewish values into action to build a healthier, safer and more equitable world. As a proud endorser of the Research for All Act, Hadassah advocates for ensuring effective, non-discriminatory medical research. We also urge our legislators to help in the fight against Human Trafficking, a modern-day reality for an estimated 27 million people worldwide.
We welcome the efforts of our men, the Hadassah Associates of Greater Washington, to raise funds for the Hadassah Associates' Men's Health Initiative.
Join us today- I look forward to working together to support our community-building efforts in Israel and the United States, in healing, in advocating, and in DOING!
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March 16th Lecture Series: Irael and The Media
March 16, 2017
Hadassah Greater Washington Regional Office
Sean Durns is a Research Analyst with CAMERA, a 65,000 member Boston based Committee for Accuracy in Middle East Reporting in America. His writings has appeared in The Hill, The Washington Examiner, Times of Israel, The Washington Jewish Week and The Washington Post. Prior to CAMERA, Durns worked for Washington D.C based think tanks (a body of experts providing advice and ideas on specific political or economic problems). Durns has an MSc in Diplomatic History from The London School of Economics, where he completed his thesis on the U.S. Collective Security Policy during the early Cold War era in the Middle East. Don't miss this thought-provoking lecture!
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Sherry Kabran
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Hey mom, we were on the 10 news yesterday!
Imagine shooting headfirst on your stomach through the middle of a 12-foot wave. It's a surf sport called handplaning, and it's sweeping San Diego. We first met Ed...
Hey mom, we were on the 10 news yesterday!
Our freind Natasha Zouves came and filmed us making handplanes two years ago and they shared the story again with an update. It was cool to see the old shop.
The back story to this is Natasha herself. Natasha is sort of a badass in the news world in my opinion. She writes, stars, films and edits her own work. The air footage was shot by a coworker but it was all her putting it together.
The best part was when she came over to film she had just finished her morning news shift and was decked out in a black dress and high heels with no change of clothes. I'm going to venture to say it was the last thing one would want to wear filming shaping but she handled it like a pro.
The next amazing part was the water footage. When she suggested that we get footage of her and I in the water using handplanes I was so stoked because I thought she was a surfer. Then on the day of the shoot it turns out she hadn't been in the ocean since she was a kid. A fact that made me gulp as I watched a solid north swell roll in. It was sort of like that moment in 180 Degrees South when Jeff Johnson lets everyone know he's never climbed on snow before. Just without all the cussing.
Despite my attempts to persuade her she was determined to do this so I took her out and she basically got hammered. I got some fun waves but I watched her try her hardest and get slammed. She earned my respect that day for sure.
The whole adventure was really fun and it was great to see how it turned out. In case you didn't see it there is a link to the article below. Enjoy.
Ed Lewis


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Hello Fat Salmoners! Are you getting ready for another year of fantastic northwest open water swimming?
We are! The 2016 Fat Salmon is taking place on Saturday, July 16th. Registration for the 2016 race is scheduled to go live on Sunday, May 1st at 6am. It will be another great year of Fat Salmon swimming!
Click here to register.


text: TEMPE, Ariz., Oct. 1, 2013 /PRNewswire/ -- US Airways (NYSE: LCC) Flight Attendant Bryan Rohwer is doing it for his wife Brenda, who began her fight last June. Airport Customer Service Agent Katherine Clavecilla is honoring her mom, who has been in remission since 2009. Fleet Service Agent Kari De Jong is supporting friends, family and colleagues. (Photo: http://photos.prnewswire.com/prnh/20131001/LA89435) (Logo: http://photos.prnewswire.com/prnh/20120103/LA28814LOGO) The three, along with thousands of their 32,000 colleagues, will be sporting pink uniform items in October as part of US Airways' second annual "BE PINK" campaign: A partnership with American Cancer Society's Making Strides Against Breast Cancer (MSABC) program. The campaign, which raised $200,000 in 2012 for MSABC, runs throughout October, which is National Breast Cancer Awareness Month. Like last year, employees will show their support of breast cancer programs through the purchase of special uniform pieces and the sponsorship of MSABC walks in the airline's hub cities of Charlotte, N.C., Philadelphia, Phoenix and Washington, D.C. This partnership with MSABC will help raise money to fight breast cancer with research, information and services, and access to mammograms for women who need them. To date, 450 employees have created 42 teams to participate in MSABC walks and US Airways has raised $110,000 through the walks and BE PINK uniform and merchandise sales. "Last year I was so inspired by my colleagues throughout the airline who joined together in support of those who have been affected by breast cancer," said Elise Eberwein, Executive Vice President, People, Communications and Public Affairs. "Many of us have been touched by someone who fights this disease in its various forms. In honor of those who continue to battle cancer and those who have joined the fight, we stand beside you." Customers flying US Airways this October will notice airport customer service employees, pilots and flight attendants with pink scarves, ties, blouses and tailored shirts. Fleet service and maintenance employees will sport pink hats and t-shirts.


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What this article fails to mention is that none of the blood came from the trap or any injuries it caused. There were no cuts on the paw (per the Idaho Game Warden that investigated the situation). The blood came from bullet wounds caused by people who failed to realize soon enough that the wolf was in the trap and shot at it. Since it was in a trap it was the property of another. The wounds did not kill the wolf.
I've come to find that most of the people that oppose trapping have never seen it in person; and the people I take trapping to see the "Real World" go away either supporting it or wanting to try it out. Before you act to prohibit something- go see for yourself. Then you can make a truly informed decision. If you don't know someone to take you out, contact your state's Trapping Association. They will find you someone to ride along with.


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Are you looking for some fun things to do for your Halloween party this year or for the Halloween season. Try this Creepy Checkers craft that is a great decoration and can be a fun addition for your home and a party.
You can buy Artisan's Effect Chalk Markers direct from our store by clicking this link.
This craft was fun to do and surprisingly easy.
I purchased a half pumpkin at my local craft store.
Next, I drew lines with a pencil horizontally around the circumference of the pumpkin.
Using the pencil lines and grooves of the pumpkin, I painted squares on the pumpkin using chalkboard paint.
Now for the fun touches. I drew spooky checkers using Artisan's Effect markers. I used the white markers to make the circle checkers and then used the black markers to put Halloween themed figures on them.
Then I wrote my game's name and scoring tally on a non-porous chalkboard. I attached the half pumpkin to the board.
Because this chalkboard is non-porous, I can easily wipe off the writing from the Artisan's Effect markers.
I used a piece of craft twine to attach a white Artisan's Effect marker to be used to tally the score.
Now I have a cute Halloween decoration throughout the month and a great party game.
You can buy Artisan's Effect Chalk Markers direct from our store by clicking this link.
We love to decorate pumpkins for Halloween, but carving them can be very difficult and messy. This year, we used Artisan's Effect markers so our children could decorate them too. No mess and no accidental cuts.
Everyone chose their own designs to put on their special pumpkins that we got at the local pumpkin patch.
With all the different colors, we had lots of choices for our designs. The colors are so bright.
The kids are so proud of their artwork.
If you do not have Artisan's Effect Premium chalk markers now is a great time to buy them. Just click on the store above to buy them direct and we will ship them at no risk to you with fast delivery.
With Artisan's Effect Liquid Chalk Markers- it's quick and easy to transform your home or business windows into fun holiday displays.
I'm really into ghosts this year for Halloween. I'm thinking of adding sports ghosts or maybe disco ghosts to my decorations.
What do you think?
How are you decorating for Halloween?
Email me with your pictures, and I hope you enjoy using Artisan's Effect Chalk Markers to make unique projects.
If you do not have Artisan's Effect Markers. You nothing to lose with our 100% Gurantee and Fast shipping at retail stores or direct by clicking the store tab above or this link.
Personalized decor is very popular, and what can be better than when you can make it at home. Fall is a time to bring those beautiful touches to your home that also can reflect the special things about you and your family.
This project was so fun to make.
First, I purchased a wood pumpkin cutout from my local craft store.
And next, I painted it with chalkboard paint.
What makes this project more special is that I was able to make this more personalized than the generic decor that can be purchased in stores. I asked my daughters what their favorite things are for Fall, and then I wrote the list on the pumpkin with Artisan's Effect chalk markers.
Now this wood cutout came with a cord so it can be hung up, but I decided to re-use the wreath I had on my front door last year. Instead of a hanging wreath, it is now a beautiful frame/holder for my decorative piece.
Now I have a new Fall decoration that is also a special reminder for my children of the wonderful new things coming this season.
If you do not have Artisan's Effect Markers. You nothing to lose with our 100% Gurantee and Fast shipping at retail stores or direct by clicking the store tab above or this link.


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The old town of Dubrovnik is completely surrounded by intact fortified walls, even including the Old City Harbor. The walls run for 1940 meters encircling the city and are considered amongst the greatest of fortification systems during the Middle Ages because they were never breached during that time period. The walls were so strongly constructed, they even withstood any damage from the earthquake of 1667.
We walked all 1940 meters of the walls surrounding the city. Nearly 2 kilometers (1.25 miles) doesn't sound like a lot but take into consideration that we're having one of the hottest summers in nearly 50 years and that a lot of stairs are involved as the walls vary in height towering above the city at 25 meters high at some points. There are three entrances to the walls and we started our walk on them at the Gate of Ploče. Once we reached the top of the steep staircase leading us to the top of the walls, we were immediately rewarded with stunning views of Fort Lovrijenac rising on a gorge 37 meters high. This fort defended Dubrovnik from attacks from both the land and the sea. It certainly earned the message carved into its doors: "Non bene pro toto libertas venditur Auro." ("Freedom can not be sold for all the treasures of the world").
As we made our way along the walls toward the Old City Harbor, we got a taste for local life in Dubrovnik. Shuttered windows gave way to the sounds of locals having lunch and laundry blew in the breeze. I wondered what the locals thought of tourists traipsing by day after day; of having to keep their shutters closed for a bit of privacy.
From the sea side, we had amazing views out to Lokrum island and of the harbor. There is also a little cafe here with a few tables with a "window" view. The cafe serves ice cream and fresh fruit smoothies. A waiter was kind enough to offer Emma a drink of water.
From the vantage point high above the city, it's easy to spot the details like the two bronze men who move to strike the bell on the hour on the city's Clock Tower.
Continuing on, we eventually came to Minčeta Tower and the steep climb up to the walls' highest point was certainly worth a little bit of huffing and puffing for the bird's eye view we got over Dubrovnik. Here the walls are 6 meters (20 feet) thick as this fort served as the most prominent defense toward the land.
Know Before You Go
There are only three entrances to the city walls and once you're up on them, traffic is one way. You'll walk more than 1/2 way around before you come to the first exit. So bring water! There is also minimal shade, so if visiting in the summer, wear sunscreen.
Tickets are 70 kuna for adults and 30 kuna for children under 18. Dogs are free. Visiting times are from 8:30am – 6:30pm.
This is a UNESCO World Heritage Site. For more info click here.
You can see all the UNESCO World Heritage Sites we've visited here.


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|167 m²
|Tipo de imóvel
|Estadia Mínima
|2 - 7 noites
Renovado! Ar-condicionado. Localização fantástica. Todo o encanto de OB em uma casa atualizado, limpo e confortável. Esta casa é perfeita para famílias com crianças. A vizinhança é tranquila e relaxante, com toda a acção apenas a um passeio de distância. Ocean Park, a praia e Circuit Ave há mais de dois quarteirões. Todos podem fazer suas próprias coisas. Saia pela porta da frente e decidir se você quer ir para a praia, empinar pipa no parque, percorrer as lojas, andar de carrossel, desfrutar de alguns pizza, sorvete, café ou uma rosquinha Voltar Door. Temos estacionamento para dois carros (mas você não vai precisar deles). Esqueça algo de volta para a casa? Não é um problema, porque é tão perto! Temos unidades AC nas janelas cima e em baixo (é a sua férias, você deve estar confortável). Pacote de luz e usar o nosso grande lavadora e secadora. Comece e termine cada dia de balanço na varanda da frente alegre e desfrutar de uma bebida enquanto conversa com os transeuntes.
Nossa casa foi recentemente passou por uma reforma completa. Novos recursos em toda a casa. Fora que você vai encontrar um novo dois calçada carro, de dois quartos chuveiro ao ar livre, pátio privado. Por que ficar em uma casa que foi atualizada na década de 70? Aproveite suas férias em nossa bela casa moderna, atualizada!
Nossa cozinha: Gosta de cozinhar? Nós também! Nossa cozinha está bem abastecido e muito organizado, com excelentes gadgets, utensílios e panelas.
My family and friends had a great week at this home. The Location is perfect, a short walk to to Circuit Ave. (Downtown), OB Harbor, Ocean Park, and the Beach. Also, just a short bike or car ride to State Beach (Location of the Jaws Bridge). The home itself had every amenity you could possible think of, from cooking utensils and laundry utilities to anything you need at the beach. House was very clean and well kept. AC's in every room so that every minute spent indoors is comfortable. Awesome outdoor Shower, a Grill will ample propane, and a perfect patio setting for outdoor dining. I highly recommend this property and will look forward to using again next year!
We've been repeat renters of this house for the past few years. The house is in a great location, well maintained, and the owner is a pleasure to work with.
Our family looks forward to our vacation on Martha's Vineyard, and this house is close to all the activities, has all the needed amentities, plenty of room, and very comfortable for us to live in for the week.
Love at first sight!
As soon as you enter the drive way, you'll fall in love. The house is well maintained & beautifully painted all around! Awesome sitting area with grill to BBQ...keep walking around and you'll stumble upon the outdoor shower. Once you try the outdoor shower, you'll never want to shower inside again. It's A-MAZING!
Aside from all that, the house literally talks to you in doors. Any questions you have, will quickly be answered with little white lables that are convieniently placed throughout the house.
I stayed here for a girls weekend with 6 of my friends, but we could have easily fit 3 more people and still felt like there was space. The house is walking distance from the beach and all the resturants / bars / attractions that bring you to Oak Bluffs.
If you're thinking about staying anywhere, this is the place. It's perfect for any sort of getaway...family, friends, etc. As long as you leave the place the way you found it and respect the owners place, you're in good hands. I don't have 1 bad thing to say, it was perfect.
This was my family's 2nd stay at this Oak Bluffs home (2011 & 2012). I've taken a vacation to MV probably 20-25 times over the years, and I can honestly say the last two visits to this home have been my favorites. Here's a list why:
1. Location: I love this Oak Bluffs location. Super convenient to Oak Bluffs ferry terminal, town center, parks, bike trail, beaches, Ocean Park (1 block!).
2. Inside The home: These owners love this house and it shows. They've made significant updates to the home. It's very clean, omfortable, and spacious. There are plenty of beds for a large family or two small families. home is very well equipped. Kitchen gadgets, TV, Laundry! And much much more.
3. Great outdoor living space: outdoor patio with dining table and huge grill, wonderful front porch with rockers and other chairs, and nice upstairs deck off master bedroom. All of these spots are wonderful to relax outside. Also, great garden!
4. Parking: 2 off street spots.
5. Owners: A+ rent with confidence.
I could go on and on, but I don't think the review does this property justice. It's a great place to stay and I look forward to another visit.
I have not been to MV in 7 years! This was the perfect spot to get reacquainted
with the island. The home was well kept, plenty of room for my entire family and great location!
Lisa B
This was very last minute, however, we were able to rent this terrific home in Oak Bluffs, MV. We had never been to MV and our friends told us to stay in Oak Bluffs as we have children and there is so much to do there. This home is in a great location. Right outside of downtown...so we had the proximity to the beach and to downtown however far enough away that we had peace & quiet.
With four bedrooms...we easily fit our family of 8 with room to spare. Outdoor shower was amazing and the private courtyard in back was just perfect for our nightly dinners.
Each room was appointed in a very cozy and B&B feel. We used our car once as we could walk to everything we wanted both during the day and at night.
We were going to try Nantucket for next summer, however, we liked it OB so much that we have already re-rented this great home again for 2013.
Ar-condicionado - Downtown Conveniente - Historic District - Início Victorian - 30 segundo andar do Ocean Park, 3-5 minutos para a cidade, 3-5 minutos a pé da praia, 3-5 minutos a pé do Ferry.
|Validade da Tarifa
|por noite
|Noite (fim de semana)
|por semana
|por mês
|Pacote ou Evento
June 2017
jun 17 2017 - jun 30 2017
Dia de mudança: sábado
Estadia mínima: 7 noite(s)
July 2017
jul 1 2017 - jul 28 2017
Estadia mínima: 7 noite(s)
August 2017
jul 29 2017 - set 1 2017
Estadia mínima: 7 noite(s)
Labor Day Weekend 2017
set 2 2017 - set 4 2017
Estadia mínima: 2 noite(s)
Please contact owner for further information & rates!
Weekends may be possible in early June and late September (3 night min) •Rentals run from Saturday to Saturday * check-in 4:00 pm, check-out 11:00 am


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Don't we all want to look better, many of us try to wear weird makeup, some go for plastic surgery and some people opt for Photoshot. But if you thinking that Photoshop is safer alternative, think twice. Photoshop wizard named James Fridman accepts people's requests on his
Best 50 Pictures That Showcase Happiness !!!
"The most important thing is to enjoy your life—to be happy—it's all that matters." ― Audrey Hepburn "Happiness is the consequence of personal effort. You fight for it, strive for it, insist upon it, and sometimes even travel around the world looking for it. You have to participate relentlessly in the
"Ashes & Snow" – Gregory Colbert's Emotional Photographic Response to Nature & Our Place in It
"Ashes & Snow" - Gregory Colbert's Emotional Photographic Response to Nature & Our Place in It. Gregory Colbert (born 1960 in Toronto) is a Canadian film-maker and photographer best known as the creator of Ashes and Snow, an exhibition of photographic artworks and films housed in the Nomadic Museum. [caption id="attachment_1854" align="aligncenter"


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Jaw Coupling Hub, L050, Sint Iron, 14mm
TB WOOD'S| Zoro #: G0284322| Mfr #: L05014MM
Zoro #: G0284322Mfr. Part #: L05014MM
$3.85 /ea
Orders over $50.00 ship free. DetailsStandard ground shipping
Technical Specifications
|Zoro #: G0284322 Mfr #: L05014MM
|Overall Length: 43mm
|Item: Jaw Coupling Hub
|Outside Dia.: 27mm
|Material: Sintered Iron
|Size: L050
|Keyway Size: 5mm x 2.3mm
|Bore Dia.: 14mm
|Country of Origin (subject to change): United States
Product Description
Jaw Coupling Hub, Bore Dia. 14mm, Sintered Iron Material, 5mm x 2.3mm Keyway Size, Outside Dia. 27mm, Overall Length 43mm, L050


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3850 10th Avenue, Anoka, MN 55303
About the Listing
Beautiful, home near AHS and Riverdale shopping. Almost 1 acre in a quiet culdesac with beautiful gardens. 3 car garage including heated shop in the back. 3 BR up with master suite, 2 down. Huge living space that walk out to the deck or patio with hot tub.
Share Listing
Property Details for 3850 10th Avenue, Anoka, MN 55303
Bedrooms: 5
Bathrooms: 2 Full | 1 Three-Qtr
Lot Size: 0.94 Acres
Lot Dimensions: 68X196X268X90X206
Year Built: 1974
Garage Dimensions: 3 car
Garage: Attached Garage, Insulated Garage, Heated Garage, Driveway - Asphalt, Garage Door Opener
Style: (SF) Split Entry (Bi-Level)
Water: City Water/Connected
Sewer: City Sewer/Connected
Square Feet: 3138
Above Ground Sq Ft: 1626
Below Ground Sq Ft: 1512 (approx)
Room Information for 3850 10th Avenue, Anoka, MN 55303
Upper Floor
Living Room: 14 x 21
Dining Room: 14 x 16
Kitchen: 14 x 18
Bedroom 1: 12 x 14
Bedroom 2: 10 x 10
Bedroom 3: 11 x 10
Lower Floor
Family Room: 14 x 40
Bedroom 4: 10 x 14
Office: 10 x 10
Main Floor
Work Shop: 14 x 20
Other: 14 x 10
Dining Room Description: Separate/Formal Dining Room, Eat In Kitchen
Family Room Characteristics: Lower Level
School Information for 3850 10th Avenue, Anoka, MN 55303
School District: Anoka-Hennepin
School District Phone: 763-506-1000
Interior Features for 3850 10th Avenue, Anoka, MN 55303
Appliances: Range, Microwave, Exhaust Fan/Hood, Dishwasher, Refrigerator, Washer, Dryer, Water Softener - Owned, Disposal, Furnace Humidifier
Air Cond: Central
Heating: Forced Air
Fireplaces: Yes
Basement: (1512 sq Finished) Walkout, Full, Finished (Livable)
Exterior Features for 3850 10th Avenue, Anoka, MN 55303
Lot Description: Tree Coverage - Medium
Lot Dimensions: 68X196X268X90X206
Roof: Asphalt Shingles, Age Over 8 Years
Zoning: Residential-Single
Financial Considerations for 3850 10th Avenue, Anoka, MN 55303
Tax Amount: $2,828
Taxes w/Assessments: $2,828
Tax/Property ID: 313224140014
Tax Year: 2016
Monthly Payment = $0
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Similar Listings For Sale
The data relating to real estate for sale on this web site comes in part from the Broker Reciprocity Program of the Regional Multiple Listing Service of Minnesota, Inc. Real estate listings held by brokerage firms other than the owner of this website are marked with the Broker Reciprocity logo or the Broker Reciprocity thumbnail logo and detailed information about them includes the name of the listing brokers.


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Floriade first began when Peter Sutton and his colleague, landscape designer Chris De Bruine, developed a proposal for a grand floral display to celebrate Australia's Bicentenary and Canberra's 75th birthday.
The inaugural Floriade blossomed in 1988 with a stunning floral display of exotic bulbs and annuals, which grow beautifully in Canberra's climate. The community embraced the event, making it such a success that it became an annual celebration of spring in Australia. Since its beginnings, Floriade has been held alongside iconic Lake Burley Griffin in Canberra's Commonwealth Park, the heart of the nation's capital.
Each year, more than one million blooms combine to create a stunning backdrop to a month-long festival filled with music, cultural celebrations, horticultural workshops, artistic displays, entertainment and recreational activities. Floriade runs from mid-September to mid-October and attracts more than 480,000 attendees each year.
Past Television Commercials
- Floriade 2016 – Life in Bloom
- Floriade 2015 – Create Memories
- Floriade 2014 – Embrace Passion
- Floriade 2013 – Beautiful Innovation
- Floriade 2012 – Be Spring Inspired!
- Floriade 2011 – A feast for the senses
- Floriade 2010 – Imagination, where will yours take you?
Past Themes
Rediscover past themes of Floriade since 1988 by clicking on an image below to open a full-screen display.