text:
Project by: Elizabeth Leff, Phoenix Underwood, Keya Patel, Natasha Puri, Marguerite Ruzich,
High Concept Statement:
Tinder-like model for mental health/wellness.
Health & Fitness
Need or Demand:
The prevalence of mental health problems in this country, and the world as a whole, is growing at a rapid pace. Colleges are unfortunately a prime breeding ground for the development or exacerbation of mental health issues, due to the new, rapidly changing, and demanding environment that college tends to be. Through our extensive market research at NYU, we found students felt isolated because they "had no one to talk to who would understand." Students regularly relayed to us that they felt the most relief for their problems when talking about them with someone who could empathize. For example, a student at NYU who was key in developing the concept of the app had recently experienced the death of his father. The student felt isolated because there was no one around him would could provide any support besides sympathy, which the student found nice, but not helpful in dealing with the emotional strife. Unfortunately he had two close friends who lost family members around the same time, and he realized that he felt the most relief talking to these friends because they could empathize. We realized that not all students going through similar problems would have the ability to find people around them who could empathize, and thus we realized that an app aimed at creating these empathetic connections could help provide this opportunity to all students with smartphones.
Product / Service / Solution:
The design of our app is reflective of the type of resource needed for college students to truly thrive as shown through our own experiences and market research. Our app addresses the burden of mental health on college campuses via a peer-support model rooted in empathy, rather than through clinical resources. Further, our app provides a comprehensive list of available mental health and wellness resources based on a given user's geographical location in order to increase accessibility to various forms of care.
Value Proposition:
Emp(a)t(h)y (pronounced: empathy) is an app that provides a platform to connect individuals through shared experiences, allowing a space for peer support and empathy. Given the prevalence of mental distress around the world, there is a great need for resources that can assist those who are dealing with such challenges.
We have conducted over one hundred interviews with three main interest groups: NYU Students, Local Businesses, and NYU Wellness and Professionals. Moreover, we have conducted market research in order to evaluate competition. After research and interviews, we have found the our app addresses a niche within the marketplace that has not yet been accessed. The combination of social networking and shared experiences gives our app a unique focus that is not present within other platforms or professional mental health professions, such as NYU Wellness.
Revenue Model:
There are four sources of revenue: advertisements relevant to mental health, amazon affiliate program, app fees (if users wish to upgrade), and local businesses. Users will have access to a map of local businesses relevant to well-being and mental health, for example, gyms, yoga studios, and restaurants. After interviewing businesses, they showed interest in paying a small fee to be featured on the app ($10-$20/month). The model is repeatable and scalable; with an increase in users we will see an increase in revenue. We hope to expand to other college campuses.


text:
Harold Carroll Memorial Scholarship
Agriculture, Veterinary and Environmental Sciences, Agriculture, Veterinary and Environmental Sciences/Environmental Sciences, Agriculture, Veterinary and Environmental Sciences/Veterinary Sciences, Architecture, Urban Environment and Building, Behavioural and Cognitive Sciences/Psychology, Commerce, Management, Tourism and Services, Commerce, Management, Tourism and Services/Accounting, Auditing and Accountability, Commerce, Management, Tourism and Services/Business and Management, Economics, Education, Engineering and Technology, Information, Computing and Communication Sciences, Information, Computing and Communication Sciences/Other Information, Computing and Communication Sciences, Language and Culture, Law, Justice and Law Enforcement/Law, Mathematical Sciences/Mathematics, Medical and Health Sciences, Medical and Health Sciences/Dentistry, Medical and Health Sciences/Nursing, Medical and Health Sciences/Pharmacology and Pharmaceutical Sciences, Medical and Health Sciences/Public Health and Health Services, Science - General/Science - General, Social Sciences, Humanities and Arts - General, Studies in Human Society/Social Work, The Arts
The Late Harold White Carroll, a retired grazier from Devonport, on his death in 2000 established a fund to provide scholarships for deserving students in the State of Victoria, to allow them to enter or continue university studies. On behalf of the Trustees of the Estate of the Late Harold Carroll these scholarships have been made available to eligible students for study at Monash University.
Applicants must: be Australian or New Zealand citizens, Australian permanent residents, or permanent humanitarian visa holders; be commencing or continuing undergraduate or postgraduate (coursework) students; be enrolled, or intend to enrol, in a full-time undergraduate or postgraduate (coursework) degree at a Monash campus in Australia; and be able to demonstrate financial hardship. Students from one of the following schools will be favoured in descending order of preference: (a) Coleraine Primary School or St Joseph's School Coleraine; (b) Port Fairy Consolidated School, St Patrick's Primary School Port Fairy, Balmoral High School or Balmoral Consolidated School; or (c) primary or secondary schools in the Western District of Victoria (approximately west and south west of the Calder Highway and all towns and cities on that highway).
The scholarship is valued at $4,000 per year for the duration of the degree, for a maximum of 4 years. Students who complete their degree within 3 years may be eligible to hold the scholarship for an additional year to undertake an honours program.
Applications Close:
4th October 2013

subset: commoncrawl


text:
- Search CSN:
- Members: Login to search all areas
- Not a member? Click here to search public areas
Apr 30, 2001 - 10:35 pm
I have a team in my town's Relay For Life. My team's name is "Miracle's Granted". I started this team last year and my friend came up with the name. Her father and I both are survivors. And since that time last year, I am now a survivor twice. The reason I'm sending this message is because I would like some ideas on our campsite. I'm not sure how to fix it up. I thought about getting pictures and maybe short stories of cancer survivors and putting them up at our site, but I'm not sure. Please, if you have any ideas, let me know. If you like the only idea I seem to have and would be intersted in sending me something, also let me know. I would really appreciate any suggestions. Thanks, Nelda
May 01, 2001 - 6:16 pm
Best of luck in your relay. I am so glad to here that you have moved on and beyond your disease. I am going to train for a wilderness trip next year for cancer survivors. There is so much to do out there and we are living it. Glad to here the postives to your experience.


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Culture, Diversity and Change: Developing Skills for Inclusive Community
Mon, 08/12/2013 - 9:00am - Wed, 08/14/2013 - 5:00pm
A three-day training for ministers and seminarians
in partnership with the Professional Development Office of the UUA
Location: Walker Center, Newton, MA
As we aspire to multicultural community, we are often short on time to consider the ways our own cultures are created, and how we can be leaders in the transformation of ourselves and our communities. In this three day workshop, we will form a learning community to go deep into this work together, using the Developmental Model of Intercultural Sensitivity (DMIS).
For more information or to register visit:
7 hours agoDeepening: Clergy Renewal and Continuing Education Application Deadline Today
12/13/2017Institute Registration Deadline Approaches!
12/15/2017Rev. Dr. Tony Larsen's Retirement Celebration
12/16/2017Going Into the Dark
2018 Small Group Collegial Conversations
Waiver Process Survey
Unitarian Universalist Ministers Association, 24 Farnsworth Street, Boston, MA 02210-1409
© 2016 Unitarian Universalist Ministers Association.


text:
Get ready for Drop It: Block Paradise, a physics-puzzle game where your goal is to guide stars from their lofty heights to safe ground by touching the colorful blocks they stand on. You won't have to go it alone – helpful siblings Tip and Tap are always on hand to give you some tutorial tips on where to tap. The better your results on each stage, the more stars you can earn to unlock concept art, stamps, and funky beats to jam out to! 150 levels in all await you, but that's just the beginning. Edit Mode gives you access to all the tools used in the main game, with tons of customization so you can create the perfect level. But what good is a level if there's no one to share it with? Luckily, you can upload your magnum opus to the Block Database for all to play, as well as enjoy the myriad of crazy creations other players have come up with!
- 5 Unique Worlds
- 150 Levels to Challenge your Wits!
- Special unlocks: Miiverse Stamps, Music & Art
- Level Editor: Create and share your own unique levels with others!
- Block Database: Play more levels online from around the world
Release Date:
North America – Early July 2017 – $9.99
Europe / Australia – June 22nd 2017 – 9.99 Euros / 8.99 Pounds
Gameplay Trailer
Programing: Greg Wiggleton
Graphics & Music & Writing: Cameron Perry
Licensed By: RCMADIAX


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I've been a big fan of Toby's, both in his time at the helm of the kitchen at Pain D'Avignon, and for his very short stint at 586 Bistro in Hyannis. Three of us decided at the last minute to give Lyric a try. I had been there in September and had an impeccable meal and was surprised to learn of their new Music Room/Bar menu which featured some low priced apps and mains. We vowed to return, just never really got to it until last night.
We braved the rain, had to wait a few minutes for the valet to realize we there, and were seated in the music room after a bit of a wait at the door. Our server, who was delightful throughout, quickly took our drink order, told us of the two specials for the Saturday night, a grilled swordfish on mashed potatoes with mushrooms and calamata olives ($26) and a cream of cauliflower soup ($7), I was pleasantly surprised to see upon opening the menu, that Chef Toby Hill was their new head chef. Then the disappointment crept in. The smaller portion entrees were gone, replaced by a couple of 1/2 portion pastas. The menu had shrunk considerably with several favorite items gone. But there were a few interesting additions so it wasn't all bad.
We ordered the cauliflower soup which was outstanding, the french onion soup ($8), which was surprisingly marginal with huge doughy croutons occupying most of the bowl, and the baked oysters which are cooked with pancetta, leaks and a cream sauce. Quite yummy, briny, lightly sauced and cooked perfectly (4@$12).
I was the only one who ordered a salad ($8). Chef Toby has changed the former Bibb Salad with pear, candied walnuts, blue cheese and mustard vinaigrette, to a simple salad of bibb, fried shallots, lemon zest and white wine vinaigrette. Disappointing. Too acidic and sour while the fried shallots imparted an almost burnt flavor. It was a surprising big step down in both flavor and quality.
Onto the entrees, the flavors were there, and the expertise in preperation and quality of ingredients were all obvious, but the portions were strange. The swordfish special was a very small and thin portion on a huge mound of creamy mashed potatoes. The prime aged sirloin ($32) was again a very small cut on a huge pile of fingerling potatoes with red pepper and onions. It was cooked perfectly, but the ny strip had almost half the tail portion cut off so the portion was approx. 3" x 4" at most and of average thickness. My portion was quite small, although expected as I ordered the 1/2 portion of ricotta gnocchi with duck bolognese. This was the star of the night in my opinion.
We passed on desert. $182 plus tip for the three of us. I'm having a difficult time deciding if I'd recommend it as the experience was clearly a let-down from my previous visit. Not that it was bad mind you, just not as good as before. I'd love to hear any one's thoughts who have been recently.


text:
I sorta feel like we're re-visiting fall during this January thaw. To go along with last night's butternut squash risotto, I made a pear crisp to use up some lingering fridge items. I mostly made dessert as an answer to a question my husband always asks about one-dish dinners: "what are we gonna eat with that?". He always wants to put it on bread, whatever it is.
I can't give you exact quantities, as I just threw in what I had: 2 different types of very ripe pears, the last few raw walnuts, half a lemon, less than a handful of hardening golden raisins, and a few teaspoons of maple syrup left in a small container... was it a wedding gift, maybe, from more than a year ago? Don't worry, my Vermonter friends, there is another big jug in the cupboard.
Here's the gist of it:
Pear Maple Walnut Crisp
(4 small ramekins)
2 Pears, peeled and cut into equal chunks
Golden raisins
Maple Syrup
Lemon juice
Topping: (referred to my apple craisin crisp but was lazy and omitted some things)
¼ C quick cook Oats
1 Tbsp margarine
1 Tbsp flour
2 Tbsp brown sugar
Chopped Walnuts (or in my case, I beat what was in the package with the bottom of a saucepan to crush them)
Combine filling in ramekins. Melt butter in a bowl for the topping, and mash all ingredients together. Sprinkle over ramekins. Bake at 350F for about 25 minutes - when pears are bubbling. Serve with vanilla ice cream.


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text:
Fantasy Sports Betting Script
With Major League DFS you can host multiple game types including head to head and daily leagues with up to 20 teams playing against each other. From the site admin panel you can also host other game types and prize payouts include guaranteed cash prizes, 50/50 games, steps tournaments, multipliers and even custom payouts. The admin can also make game tickets, adjust salary cap and player salaries, monitor sing up and profit stats as well as other tasks. Major League DFS also allows users to create their own private or public fantasy sports contest. When a fantasy sports contest starts the site keeps 10% of the prize pool, this is commonly called �the rake�. The more people play the more you make. We provide full site install and configuration. If you want to design your own layout we will code it to the site for an hourly or fixed rate. We provide full live support via Skype chat.Visit publisher site: Fantasy Sports Betting Script
Listing Details
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- Mar 17, 2015
- Publisher:
- Epic Apps Inc. Other listings by this publisher
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- Commercial
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text: Anndd I'm back with the summer blogging! Yes, I am calling it summer even though it does not look or feel like it right now with this cloudy, chilly weather (and the fact that it isn't really officially summer until June..). So what better way to beat Toronto's strange weather and also feel energized at the start of your day than to eat a delicious, nutrient-dense breakfast bowl that's quick and easy to make? Continue reading


text:
Please be patient as the page might take some time to load because of the 12 embedded clips.
This list comes from U.S. Billboard's "The Hot 100" and is for the week ending on Saturday December 23, 2017. Go here for the complete list of U.S. Billboard's "The Hot 100" for the week.
If you find this site interesting or useful, do share it with your friends!


text:
Ken Mills Toyota Fleet
You probably already know that Toyota Fleet is the number one fleet brand in Australia – with a complete range of services and finance packaged cars and a comprehensive range of vehicles to suit any business, anywhere.
You probably already expect that as a Toyota Fleet customer you would have access to a wide range of support and services including finance, capped price servicing and the comprehensive Toyota New Vehicle Warranty.
What you may not know is that Ken Mills Toyota are certified Toyota Fleet Specialists.
What does that mean for you? It means that each year we have to prove exceptional dedication to this area of our business. A series of Fleet-focused criteria must be met and our Fleet Specialist team must continually prove they have the knowledge and training to provide excellent customer service.
As a Fleet Specialist Dealership, we have dedicated Toyota experts with advanced knowledge of vehicles and efficient fleet planning – whatever your business size.
Having worked in the industry for over 22 years, our Fleet Manager, Julie Philip, has 16 years Fleet sales experience here on the Sunshine Coast and this year marks her 20th year with Toyota! In that time, she has also become Mum to two beautiful girls and if she isn't working, she can be found spending time with her family or learning to play the guitar.
Julie is highly trained to deliver a personalised fleet solution for any business and offers a free Fleet Health Check Service.
We just can't quarantee her musical ability is as impressive as her car knowledge!
To ask any questions you may have about our Fleet services or to enquire about a Free Fleet Health Check, please email Julie or Melissa or call us on 07 5441 1544
We work with Master Plumbers Association of Queensland, Master Builders Australia, AgForce QLD and Housing Industry Association (HIA) – if you are a member, call us to find out the benefits!
'Ken Mills Toyota are valued Living Legends partners of STEPS Charity. STEPS Living Legends are business and community partners committed to working with STEPS Charity to create positive change in our local community. As part of our collaborative agreement, STEPS chooses to purchase its fleet vehicles through Ken Mills Toyota to support its active workforce and footprint across Australia through its disability, education and social service network.
Without bias the service provided by Ken Mills Toyota is second to none and is met with a proactive team of vehicle specialists, the Toyota brand provides consistently reliable vehicles underpinned by continuous communication that reflects an open door approach for conducting progressive business and trade.
Our team here at STEPS Charity would have no hesitation in endorsing Ken Mills Toyota as a reputable organisation that stands behind its brand. This is led by an amazing team of people providing exceptional vehicle delivery from the showroom floor through to its scheduled servicing activity.'
Angela Miles, Charity Manager


text:
[Osthaffn] BWM what's "your opinion" on what will happen to gold in the 6 months post-RV ?
[BWM] Osthaffn most real gold ppl believe that gold and silver will both be ranging
upwards steeply with long term investment leaning towards silver...
[HeIsFaithful] BWM what about diamonds? or other gems for that matter?
[BWM] HeIsFaithful gems could be tricky... long term issues may exist with diamonds based
on demands demand for currency backing and actual product use
[Guyduty] BWM that doesn't make much sense. They always changed dollars for dinar, and there is no reason to get dollars of the street, every country in the world this deals with the dollar every day. You go purchase good with US dollars and get their currency back as change. been done in Europe and the Middle East for years.
Read More Link on Right
[BWM] ok in regards to questions today about post rv investments and the concern over liquidity of your money... hopefully we can address any concerns
[tkdgirl] This may be silly question - its kind of related to investments - do multiple millionaires need life insurance?
[BWM] yes... absolutely... your fortune would be at even a greater risk if debts could be tied to you directly or your trusts/llc/etc.
[Guyduty] BWM US has always been different than over seas. The USD always held it's own there even in a bad ecconomy.
[BWM] Guyduty this is about to become the PREMIER currency... the mainstay for the dollar there has been the petrodollar which isn't the necessity once this comes to fruition this will become the downfall of the dollar as the world currency
[MRP] BWM what is the first thing we should take a look at after we exchange our dinar? Some people are saying that we should wait 6-9 months and then invest in foreign currencies. What do you think?
[BWM] for future investments... use professionals at every TRUSTED opportunity.. do not operate in "debt"... waiting will not make sense for you in the areas that you have needs... real estate specifically... you want to make sure to avoid high risk investments such as stocks and such that are violatile on a daily basis
[BWM] here's my thoughts on real estate...
[BWM] you NEED a house.. you don't really need a mortgage... you need the ability to access your money without losing substantial value if necessary... so looking at real estate the "bounce" is expected in roughly 5 years or so from most of the professionals that I have discussed this with.. so having real estate now with no mortgage and still the ability to earn from it thru rentals or such is not bad since it will cover your taxes... be careful tho to make sure that this is the type of property management you want to get into... some are looking to "turn over" real estate.. that might be a little longer venture depending on your market
[BWM] remember.. real estate is market driven... what is bad in my area might be amazing in yours... know the area you are purchasing and be aware of the consequences if you cannot get rid of the property immediately and other options
[tkdgirl] I'm really underwater on my house. It's worth half of what I paid for it. Post RV should I bite the bullet and just pay it off? We eventually want to move to a larger house if we 'add' to our family!
[BWM] look at two things IMO... first, what is the value of the home? would it be worth to just sell it to get out of it vs. payoff then sell? what is the market like in your area? could it sell and would you be able to pay off the balance due... why spend money on something that you are selling anyway? a lot of that would depend on how long you would want to live there before you move and "add" on to the family...
[santafe] What about investing in foreign currencies right away .... And . . .we would be safer going to that country and opening accounts in thier country or is it safe to have a foreign currency account in our banks?
[BWM] something you need to know about and this is a big bonus... but there is a little known addendum to a bill last year that will affect you greatly on moving currency assets in 2014... my suggestion would be get your money as safe as possible as fast as possible... I don't mean like the next day, you have some time but make sure that you are honest with the ppl helping you set up your trusts/llc/etc. WHAT YOUR SHORT AND LONG TERM GOALS ARE...they can't help protect you if they don't know where you are going... this could be huge in a couple of years when you go to move some money and pay a hefty penalty
[BWM] and we're talking about a 30% penalty tagged on top of already steep taxes
[santafe] How does that 30% penalty apply?
[BWM] that is for things in 2014... your tax professionals will be able to protect you for that
[Osthaffn] BWM which bill was the addendum to?
[BWM] check the ol' highway bill... I don't have the number right off the top of my head
[sandytob] Could you explain more about that currency moving addendum?
[BWM] they want your money to stay in the US... and are moving towards the necessary steps to keep it here... I'm not sure if congress reads everything they pass or they do and are that sneaky
[txgirl] What currency do you suggest we invest in since most are saying that on some you have to have many millions to even get involved and I do not have that much
[BWM] txgirl I really don't want to tell anyone what to do or how to do it... please don't take anything I say to be the "endall"... I specifically tell everyone to do what's best for you!!! but, I will say personally, I'm looking hard at canadian currency altho many are upbeat about austrialia...MY goal is to get some invested in foreign currency that is gold backed and secure and see what the markets do... again, depending on your location AND your plans for citizenship you may find much better deals for you in another country
[BWM] the key in currency investment especially long term is asset backed... the more they have the more protection your value has
[healthy3] BWM will you be here post rv also for info to help us with our new money? It is confusing and scary if you never had any before
[BWM] I've said all along that the goal was to see ppl succeed in this... hence the classrooms over the past year or so in different locations... I'm still gonna live in the country with prolly a better internet connection and hope to still be able to come in compare good times with everyone and see what things we can improve on with new information
[Gram] Will buying rental property protect our money or should we wait the 6 months before doing that?
[BWM] Gram key to purchasing something right after this is simple... HOW LONG DO YOU PLAN ON KEEPING IT... if it's something you are keeping as an investment then heck yeah, get the price you want (buy bulk maybe, haha) and then begin your adventure...
[shalala] BWM, I learned the hard way that there are MANY real estate investment scammers that are in the seminar education business. One thing I learned is to get help from local real estate investors clubs with seasoned investors and befriend good brokers to educate you. There are good books also in stores.
[BWM] absolutely... my plan is simple... I could negotiate myself but I want to establish a relationship with a realtor going forward for the community... so, I'm simply gonna make an appt to meet the best two choices at a location and tell them "you're competing for my business, I will not sign a contract and I want to buy this, that and that, get me my options"
[tc0043] BWM Do you feel that tax free municipal bond mutual funds will be a risky investment post R V?
[BWM] tc0043 my biggest problem (see a professional) with any fund is the controlling interest of the fund... for me it would come down to how "safe" do I feel with my money being managed/handled by another entity and what long term committments would I have to the investment...
[wisewarrior] what about the folks who say ANY paper asset is at serious risk in the new financial system???
[BWM] wisewarrior again, it depends on the longevity that you plan on spending in that investment... let's say that I invest 10k in cd's at the bank and the value drops... well I still have 10k dollars right... but I don't have the value on the dollar... as the dollar swings back up then I still have 10k dollars.. but I have more "worth"
[txgirl] BWM the two currencies you listed do they have a minimum amount you can invest?
[BWM] txgirl it's like dinar.. you can always buy as much or as little as you want... where you KEEP it is very important...
[trooperb] What are your thoughts on farm land???
[BWM] trooperb I love farm land... cuz it can become timber land in the right eco system... the biggest problem with farm land is you gotta farm it (lots of work and risk) or you gotta turn critters loose on it (more work, less risk)
[walkingtall1943] WHat will the new banking rules be as a guide to investing
[BWM] walkingtall1943 those will be what you work within... that's why professionals (that are not commission oriented) will be most important for you...
[*Pearlnoir] Sorry to sound naive.. regarding mortgages... Is it better a paid in full house or pay a mortgage
[BWM] *Pearlnoir that depends on what you want to do with it... if you are living there.. I'd say paid IMO... if you are selling it.. I'd pay the notes til it sold (especially if you will make a little when you sell) tax implications
[santafe] So are you saying that the US will impose a 30% tax on moving your money in and out of country? thanks for your input on this.
[BWM] santafe if you look hidden away in the highway bill.. in 2014 there will be implications for moving your money OUT of the US...
[Barck] BWM I am a cattle rancher already and not planning on stopping post RV. You got to do what ya love. I'm planning invest in more ranch property.
[BWM] Barck buddy more power to you... if you open that dude ranch section let me know... would love to bring the family out and do that...
[santafe] Is foreign currency accounts safe in our US banks or are we better going around them directly to the country we want to invest in... Make sense?
[BWM] santafe the problem with that is MOST banks in the US will NOT let you keep currency in it's "foreign" form.... in other words, you can't have "canadian dollars" in a US bank... you will need to go to that country and check the limitations on citizenship and such for opening an account.. most will be very accommodating
[pastorcharlie55] BWM in your opinion is buying farm or ranch land to grow or produce food for the hungry and needy and getting an allodial title on purchase is a good investment???
[BWM] pastorcharlie55 I don't think real estate is a bad investment depending on what your plans are... again, if you don't plan on selling it you will always be "land rich" the problem could occur at such time that you want to sell the land depending on your market... but then there's always developing...
[sandytob] Can't you invest in foreign currency through a brokerage account?
[BWM] the big question is who do you trust? yes but I would prefer to have more control over my money... something about going to lunch in Toronto and then dropping by the bank to check on things..
[wacosbestmom] I was only able to invest a very small amount so depending on the rv I will probably not be a millionaire. If I am part of a group, will I still be treated like royalty at the bank?
[BWM] wacosbestmom groups are set up to help especially the smaller amount investor... it should assure that everyone gets the best rate if they are done properly... I believe the banks will want everyone happy which should make you happy in the long run... you should be able to get some services that you might not get otherwise
[Barck] BWM should I wait to invest or not?
[BWM] Barck again, it depends on how you invest and what you invest in... things that you plan on keeping: cars, boats, houses, etc. NO PROBLEM! because you are not looking at selling those things anytime soon... after that, consider what are the long term ramifications of this investment 6 months, a year, 3 years, etc. what would be the consequences if YOU NEEDED to get rid of this item or investment would be my question to myself...
[cantwait] Any suggestions for what to do with your money if you don't want to start/open/run a business, but you don't want to touch your principle investment - any specific investments other than foreign currency, gold, silver, land? Thanks
[BWM] as we've discussed... real estate will be primed for long term investments with professional expecting an upswing in approx. 5 years... there may be some competition depending on your location and the amount of dinar holders around you... other than that, there will be some aggressive bank options and other "liquid" opportunities that your wealth managers can assist with... tell them how safe you want to be with your money... that will also affect the amount of return that you get... consider tho, if you invest properly you could live off interest (paying yourself a salary as I hope to) and never touch the principle
[chillimac] bwm been in property mmanagement since 1975, always managed someone elses, this time, i want my own, imo land is the best investment , which i plan on doing asap, thank you for all your good advice thru this ride, i am set, you an jonny are the greatest ty again
[BWM] chillimac knock it out of the park...
[12wait] Do u have any idea what the tax rate will be on the rv funds or will it vary depending on the amount of currency u have?
[BWM] 12wait that topic has been widely and hotly debated... many say 15%, some say 0% and some say they'll sneak that 30-35% percent in... I have planned on 15% based on my information but allowed for 30% and would be thrilled if it was less than planned... so we'll know where to proceed and how once this hits so stay tuned
[sunny] BWM Chase advised me they have multi-currency accounts just like the brokers do. That I can choose what currencies I want money in in that account.
[BWM] be careful... some of those "say" they are multi currency but have strict guidelines that limit your movement of the money and how you cash out... I would enjoy the opportunity to move money between US and canada personally...
[1+1] BWM Sounds like another Site is pretty much saying "Rate post tomorrow". You appear to be very conservative and cautiously optimistic. I certainly respect that. What's your opinion at this time????
[BWM] 1+1 I have heard the intel saying that... and while I'd love to say absolutely... I just can't get the confirmation that I would like to see in order to say I feel totally sure that could occur... I do know that several sources thought Today would be an excellent day for this to hit and I have NOTHING negative saying it CAN'T happen.. but I don't have my best intel that says it's a done deal for the morning honestly
[Jazzy] BWM What do you think about insurance annunities? I have had 1 since 2003 and I receive 5.75% every month. That amount is guaranteed. I have a beneficiary. I have been very happy with this.
[BWM] I'm not sure how the insurance field will be affected by two things.. first IF Ocare comes thru and secondly, what 'investment' potential that will carry going forward... obviously, if that rate is satisfactory (and I have calculated about 6% as my second lowest return 4.25% being bottom) then you could have an excellent opportunity IF you can get the liquidity you need...
Comments are closed.


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The Rise Of Competitive Video Games
The National Football League, or NFL, is a collection of 32 different franchises and is the best and most popular American football league within the world. If you appear extended and challenging adequate, you will find no cost on the internet game titles that are far better and much more entertaining than dozens of for which you devote a whole large amount of funds. The important thing is that video games are fun and undoubtedly challenging.
Both the tools are in the procedure for growth and achieving new targets to accomplish their market in the smartphone industry. However the Ftc study following the Columbine Senior high school shooting, offers concluded that, "Of the 118 digital games having a Older score for violence the Commission chosen due to its study, 83 or 70%, specific youngsters under Seventeen inside their give attention to audience. There is a great tutorial that can help you learn what each tower type can accomplish.
Android, using the label of Google and support from major electronic firms, is enjoying vast support one of the users and freelance developers.


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Guest blogger: Nicki Bennett -The Cattle Baron's Bogus Boyfriend
Category Romances and Tropes
Like probably many of you, I grew up reading category romances—those four- or six-a-month releases of short, fluffy novels with instantly recognizable covers. You could sign up for a subscription service and they'd delivery the books to you automatically every month. They were a bit of a guilty pleasure, but when each box of new books arrived, I was guaranteed days of blissfully romantic escape. Over time my reading tastes changed, but I still have a shelf full of numbered titles from a few favorite authors that I haven't been able to bring myself … Continue reading


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- Please select a date to see the proper prices!
Description of the accommodation:
Rooms, services Three comfortably furnished rooms are offered by Hampton Inn Morristown I-81 TN Morristown to guests looking for accommodation in Morristown. You may also enjoy relaxing wellness services on the spot, an indoor pool will also be available to you. Should you want to stay in good shape during your holiday, you may also take the sports and exercise opportunities provided by the local gym. The local bar will provide an ideal location for personal meetings and nice evening chats. The exact scope of services offered by Hampton Inn Morristown I-81 TN Morristown (including those for an extra fee) is available on the information sheet below.
Payment Credit card guarantee or advance bank card payment may be necessary for finalizing your reservation, depending on the exact room, date and price.
Arrival, opening hours The earliest time to arrive is 15:00, the latest time to leave the rooms is 11:00. The personnel speaks English.
Hampton Inn Morristown I-81 TN Morristown rooms Rooms
- Please select a date to see the proper prices!
Accommodation services
- Indoor pool
- Jacuzzi
Hairdryer, Desk in the room, Tea/coffee-maker


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Judging by the comments, you like my artwork posts better than the ones without, so here are a few fall cards I made. All four are based on the card pattern provided in the Grace Workshop guide, but I used my Flourished Blessings stamp set and Magic Moments paper pack. The colors are Cocoa, Sunflower, Hollyhock, and Sweet Leaf. (The paper includes Indian Corn Blue but I didn't use that on my cards.)
Wednesday, October 7, 2009
2 comments:
- Sandy B said...
Beautiful cards with many possibilities of use.
Yep, our dinner was good for the tummy and filled with lots of love 'n hugs. And two cute puppies included in the family. Life is good!
- October 7, 2009 at 8:14 AM
- Sarah said...
It is totally fall here. Windy, wet, blustery and COLD. I think we woke to 38 degrees this morning.
I LOVE what you did with these papers and stamps..they are perfect together. I love all your posts, art related or not. :-)
- October 7, 2009 at 9:56 AM
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Ticarcillin Pregnancy and Breastfeeding Warnings
Ticarcillin is also known as: Ticar
Ticarcillin Pregnancy Warnings
Ticarcillin has not been formally assigned to a pregnancy category by the FDA. Animal studies have failed to reveal evidence of fetal harm. There are no controlled data in human pregnancy. No adverse fetal effects have been reported in the literature. Ticarcillin should only be used during pregnancy when need has been clearly established.
Ticarcillin Breastfeeding Warnings
Ticarcillin is excreted into human milk in small amounts. Ticarcillin is considered compatible with breast-feeding by the American Academy of Pediatrics.
References for pregnancy information
- Briggs GG, Freeman RK, Yaffe SJ.. "Drugs in Pregnancy and Lactation. 5th ed." Baltimore, MD: Williams & Wilkins (1998):
- "Product Information. Ticar (ticarcillin)." SmithKline Beecham, Philadelphia, PA.
References for breastfeeding information
- von Kobyletzki D, Dalhoff A, Lindemeyer H, Primavesi CA "Ticarcillin serum and tissue concentrations in gynecology and obstetrics." Infection 11 (1983): 144-9
- Committee on Drugs, 1992 to 1993 "The transfer of drugs and other chemicals into human milk." Pediatrics 93 (1994): 137-50
- Roberts RJ, Blumer JL, Gorman RL, et al "American Academy of Pediatrics Committee on Drugs: Transfer of drugs and other chemicals into human milk." Pediatrics 84 (1989): 924-36
- "Product Information. Ticar (ticarcillin)." SmithKline Beecham, Philadelphia, PA.
See Also...
Disclaimer: Every effort has been made to ensure that the information provided by Cerner Multum, Wolters Kluwer Health and Drugs.com is accurate, up-to-date and complete, but no guarantee is made to that effect. In addition, the drug information contained herein may be time sensitive and should not be utilized as a reference resource beyond the date hereof. This material does not endorse drugs, diagnose patients, or recommend therapy. This drug information is a reference resource designed as supplement to, and not a substitute for, the expertise, skill , knowledge, and judgement of healthcare practitioners in patient care. The absence of a warning for a given drug or combination thereof in no way should be construed to indicate that the drug or combination is safe, effective, or appropriate for any given patient. Multum Information Services, Inc. does not assume any responsibility for any aspect of healthcare administered with the aid of information Multum provides. Copyright 2000-2008 Multum Information Services, Inc. The information contained herein is not intended to cover all possible uses, directions, precautions, warnings, drug interactions, allergic reactions, or adverse effects. If you have questions about the drugs you are taking, check with your doctor, nurse, or pharmacist.


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Building on Coconut Grove's rich tradition of upscale bohemian living, Park Grove strikes a thoughtful balance between direct access to downtown Miami and a sense of serenity and separation.
With its lush natural beauty, artistic legacy, and world-class schools, The Grove has long been one of Miami's most desirable neighborhoods. At Park Grove, every element—from architecture and art to landscape and interiors—exists in perfect harmony with the surrounding area.
At home, residents will enjoy world-class architecture by Rem Koolhaas and OMA, elegant modernist interiors by William Sofield, and inventive landscaping by Enzo Enea. From their bayfront homes and private gardens, they will be able to escape Miami's irresistible energy. At Park Grove, the best of haute living—boating, high culture, a vibrant society—meets a relaxed artistic sensibility, making this a place where community is valued, but privacy takes precedence.


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ANZ has launched a new battleground in small business banking, pledging to lend $1 billion to new businesses over the next year.
Small business operators have hailed the bank's move as a deserved mark of respect for small business start-ups, although questions linger about whether they will take the assistance being offered.
Dean Ramler, founder and CEO of furniture business Milan Direct, said banks should treat small businesses with respect "from day one".
"When we started Milan Direct six years ago, I literally walked down the street and got knocked back by the first three banks I approached - they all laughed at us and didn't take us seriously," he said. "The fourth bank, which did take us seriously, today has the business of a $20 million company. So it would be nice to see banks treat start-ups and small businesses with respect."
With credit growth decelerating across the economy, banks are keen to encourage a rebound in small business borrowing.
The total value of newly approved loans of less than $100,000 fell to $2.6 billion in the December quarter, down from $3 billion, Reserve Bank figures show.


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Business After Business Networking Event
Recently started a business in Bellingham? Maybe your business been around for a while but you want to make stronger connections with other community members. Do you want to learn more about the Whatcom Chamber of Commerce? The Chamber's Business After Business event is an opportunity to meet any of your local networking needs. Come enjoy free food while meeting other members of the Bellingham business community.
The popular event takes place on the third Thursday of every month. This month it is on Thursday, October 16, 2014 at 5:30 PM, at Cobalt Mortgage 2200 Rimland Drive, Suite 110, Bellingham. Save the date, and be prepared to have fun while building relationships to help grow your business.


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REUTERS/Lucas Jackson
To get a picture of what a great writer Michael Lewis is, consider this.
"Outliers" and "David and Goliath" author Malcolm Gladwell says that Lewis is his literary "hero" and "the finest storyteller of our generation."
Gladwell maintains that Lewis' football book "The Blind Side" is as "close to perfect" as any work of nonfiction can aspire to be.
So it's no surprise that his books "Moneyball," "Flash Boys," and "The Big Short" have all become bestsellers.
From where does Lewis — whose pen can shake Wall Street — draw inspiration?
Here's what we found after digging into a decade's worth of interviews with him.


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Tomato and bread salad
10 minutes
(Serves 4)
- 400 g ripe tomatoes
- 5 ml coarse salt
- 90 ml olive oil
- 30 g fresh basil leaves, torn
- 1 red onion, finely chopped
- 150 g rye bread
- 100 g black olives, stoned
Halve tomatoes and remove seeds. Cut into chunks and put in a large bowl. Sprinkle with coarse salt and olive oil. Add basil and onion. Mix well. Break bread into pieces and add, with the olives, to the salad.


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Bad Advice Wednesday: Rock the Boat
categories: Bad Advice / Cocktail Hour
3 comments
You know those moments when you sit silent in the face of the knuckleheadedness of your boss? When you are in the room and the question–you know the answer!–hovers in the silence? When the contractor tells you he's not going to finish but wants to be paid anyway and you stand heavy on the manhole cover of your mind to keep the boiling in check and say "Okay"? When you freeze on your butt in the bus while the psychopath screams? When if only you could fly around the world at supersonic speed and cause time to reverse and go to Boston and pick out that whoever it is placing his black backpacks? And that secondary moment when the right riposte comes to you late (l'espirit d'escalier: a useful phrase from the useful French). Or you wake in the next day's night with the exact plan? Or you over beers inhabit the braver person you might have been, the guy that confronts the villain, the gal who rushes toward danger, the exhausted runner who leaps the fence, attends to the injured and dying?
Well, now folks, there's a way! Yes, you too can become a writer!
Or anyway, it's a great exercise–for fiction writers, pick one such moment from your life (or make it up), and then have yourself (now a character) do that thing you were not able, say those words timely you thought of too late. This is called making stuff happen. Remember Flannery O'Connor (in one of her fine letters) saying: "If nothing happens, it's not a story."
For you nonfictioneers, same idea, but make it an essay: tell us what it is you should have done, say what it is you should have said– what we all should say–and say it well, for all time.
[Bill Roorbach lives in Maine, where he is the world's greatest writer by far, though Dave and Monica Wood occasionally surpass him]


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Simplified Etiquette & Rules
Golf Rules in Brief
May 11, 2011
Golf is a game in which a ball is struck with a club from a prepared area, known as the "teeing ground", across fairway and rough to a second prepared area, which has a hole in it, known as the "putting green". The object of the game is to complete what is known as a hole by playing a ball from the teeing ground into the hole on the putting green in the fewest possible number of strokes. A "round of golf' consists of playing 18 such holes.
There are basically two forms of play, one which is decided by holes won and lost (match play) and the other which is decided by the total number of strokes taken to complete the round (stroke play).
There are three important principles to remember when playing golf:
Play the course as you find it. Play the Ball as it lies.
And if you can't do either, do what's fair."
To do what's fair you need to know the Rules. The following is a summary of the Rules of Golf, simplified where possible.


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The new Singing News
This latest issue of the SN unveils the new logo and cover design (hey I just thought of this: why not add an archive of covers to the website?). Nice. A good choice of logo, even if isn't the one I would have chosen. And the Crabb cover is well done. The design of the inside pages is still pretty schizophrenic, and with the introduction of some newer, stronger writers, the writing is actually more uneven (since the distance between the worst and best is now much father apart), but I assume Salem will continue phasing in its revamp of the publication.Email this Post


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Cape Town - Representatives of the South African Super Rugby franchises will accompany the delegates of the South African Rugby Union (SARU) to present a case for competition expansion in 2013 to SANZAR partners next month.Representatives of the Bulls, Lions, Southern Kings, and the Sharks will accompany SARU's SANZAR representatives on visits to their counterparts in New Zealand and Australia in mid-March.The delegation was formulated during a meeting between SARU's leadership and franchises in Johannesburg on Thursday. SARU will argue for the expansion of the competition to 16 teams to accommodate all six of our South Africa's franchises. "We had a very good conversation on the future where we discussed the options on achieving a solution that is in the interest of South African and southern hemisphere rugby," said Jurie Roux, CEO of SARU."We would like to workshop our position with our SANZAR colleagues and have included representatives of our franchises to underline the seriousness of our appeal."The South African delegation will include Brand de Villiers (Bulls), Kevin de Klerk (Lions), Cheeky Watson (Southern Kings) and Brian van Zyl (Sharks). They will accompany SARU president Oregan Hoskins, deputy president Mark Alexander and Roux.The delegation departs on March 17.
SANZAR wont budge until 2015
5/5/6 just does not work and I dont think SA has enough depth for 6 teams
Super rugby seasons are getting longer and longer and all squads will need to grow by 25% in the next year or 2
SARU needs to learn what forward planning is all about and not only worry about how much money can be made..
You are right SANZAR won't budge, and why should they??? It doesn't matter even if you had a Prom/ relegation system in place, or any other system the Kings still wouldn't qualify!!! The other SANZAR members see this for what it is, and realise it is not a positive move for the tournement!!!
The Kings will qualify for sure if there's a prom/releg.
They only have to beat the Stormers then, not exactly the team of the decade.
It's getting so tired all these 'supporters' hammering the Stormers/Bulls/Sharks whoever they choose to berate with their petty comments. Bleh
They have to give it a go....besides most of the rugby money is coming from Supersport so the bottom line is that they should not be bullied......
What a stupid comment.
SANZAR should protect the integrity and value of the tournament from SA political influnces and say NO until the Kings are able to put a competitive team on the field.
Agreed Hannes, once again this is political interference as you know "Puke Watsons" father Cheeky is at the Kings. His ANC buddies/cadres/idiots will do anything to help old Cheeky out. The only way they should be allowed in is by first getting into the Currie Cup and then finishing in the top 5. I am so sick of these ANC b&sta*d$ interfering in SA sport.
Come on we have already and overdose of Rugby. Stop milking the money cow !!!
Cheeky Watson is bad news!
He is a D@@$ and needs to be shunned in rugby circles. All he does is make trouble with the help of his 'no nothing' ANC cadres.
It will be better to keep it to 15 teams.
Then we don't have the Stormers in next years competition.
Go die Kings!
You are truly funny matey LOL - ha ha ha - typical Pretoria mentality....!
Lol. Precisely the reaction I was looking for. That was the whole idea, mate. Also, you know your rugby? Ppffft. You assumed just because I'm a woman, I don't know my rugby... right. Typical. Enjoy your pink jersey!! :)) P/S: You probably sleep in your pink jersey every night, hey! :D
I have no objection to the stormers playing the kings in a 'relagation' match.
It will simply prove how far behind the pace the kings really are. The kings should play the other teams too, and can take the place of anyone they beat.
I'm sure you know your rugby, probably better than baking even.
I just ordered my pink jersey, just 3 more sleeps before I get it, can't wait.
Oh. You swing that way, I see. That answers it all :))
LOL. Can i get you one too?
Doesn't matter what they decide - if the Kings play, the SA Teams will get the short end. The Kings will be the whipping boys for the AUS/NZ teams and they will pocket bonus points in every game. Playing the Kings in SA will feel like a home game to the NZ/AUS teams.
Playing Devil's advocate....The Kings will be the whipping boys, the same as the Lions and Cheetahs have been over the last 10 years? And let's not forget the Bulls run before they won the S15.......some stats :
Most consecutive losses in a season: 13 losses – Lions, 2010
Most consecutive losses: 17 losses – Lions, 15 May 2009 to 12 March 2011
Fewest wins in a season: 0 wins – Bulls, 2002, Lions, 2010
Most points conceded in a season: 585 – Lions, 2010
Largest points difference conceded in a season: 315 – Lions, 2010
@dieBlou. Winning the cup 3 times does not expunge previous stats does it? Stats are stats, and will be there for all time. The bad (part of the) record of the Bulls will also not expunge their 3 great wins, so not sure what your point is?
My point: Federer has lost in the first round of Wimbledon but went on to win it 5 times.(Most of anyone)
Lleyton Hewitt never lost in the 1st round but never won Wimbledon.
Who is the better player? (Just the answer please, no essays)
Suggestion: Have the Sharks, Stormers, Bulls, Lions, Cheetahs and... Kings compete against each other for the Currie Cup. Team that comes last misses out on the Super 15 the following year.
Even easier: Just drop the Stormers, they've been unable to win a single trophy in 18 years of Super rugby. What a disgrace
@Noudieblou shows why people outside South Africa dislike this type of Blue Bull supporter; arrogant, narrow minded and stupid.
Not a bad idea, but the only problem is that the playing fields are not level. 5 Massive sponsorship teams competing against a zero sponsorship team. It will be like 5 foxes and a hen deciding what's for dinner. A suggestion. For this year and next year divide SARU's share of the TV rights money by 6 not 5 and give the 6th portion to the Kings to build a competitive squad and then let them compete in next year's Currie Cup with the prize being SuperRugby participation for the following year. It will only mean a 7 million difference per year to the existing franchises. They will still be receiving 35 million each per year,a small sacrifice for guaranteed Super Rugby participation for at least one more year, but a huge boost for rugby in the Eastern Cape.
@ Marius: if it is all about money, why then didn't the Bokke perform as expected in the WC? They had enough money?? I agree that money can and will attract more quality players, but why insist on immediately playing in a league with players that are not up to it?
Money can not buy you instant success!!
weet julle Griekwas is die 6 curriebekerspan en die Kijngs kan hulle nie eers wen , kan nie eers die afd waar hulle in speel wen nie , hoe kan daar sulke voorstelle wees
@champ. Compare apples with apples. You cannot compare Springbok rugby with franchise rugby. The Boks just pick their team from all players that are available and the franchises have to release them as Bok contracts takes precedence over franchise contracts. In franchise rugby the union with the most money can assemble the best squad of players. Then it is up to the coaching staff to produce a winning side on the field. That is what the Stormers problem had been for the last 10 years. They had all the money and players you can dream of, but completely the wrong coaching staff. The Kings have the structures in place with a good accadamy. Border and EP came first and second in the u/21 B-section, with Border winning the final by 1 point. This section included Griquas, Boland, ThePumas and the Leopards and then border went on to win their promotion game into the A-section for this year. So in 2 years time there will be a group of very exciting youngsters from the area moving up into the senior side. TRhey just need the money to keep them here and prevent them from being poached by the current big 5.
@ Marius: I understand what you say: you can not develop players nor attract quality players without money. But should the Kings be included in Superrugby and they do get huge sponsorships, how will they KEEP it and keep the players if they keep on losing? Will they be able to turn from Curriecup B league to Superrugby standard quick enough? Looking at the history of other franchises, I doubt it. In a professional era players will always go to where they think is best for their own pockets and future. So it might be difficult to even attract top players, because the top players will stay in the top unions?
So what I say is YES, develop rugby in the EC, YES, try to keep the young talent you definitely have there, YES, build a winning culture and YES, come up through the ranks to justify inclusion on merit. YES, build something that will show potential and having a future. But NO, do not try to force something that will not be sustainable (quickly into a Super league. loose every game, loose respect, loose sponsors, loose players) and NO, do not do it by excluding another franchise that has as much passion, support and talent.
@Pierre. Net vir interresantheid: OP het laas jaar die Griekwas (26-16) en die Pumas (23-8) heel gemaklik geklop en die Leopards (31-25).
Sou goed wees om n Currie Cup te sien met die 6 Franchises en dan die 14 provinsies in n ander liga. Ja, dit sou beteken dat die 6 "groter" spanne met basiese B-spanne in die ander liga sou speel, maar dit is juis n goeie geleentheid om diepte te ontwikkel.
SARU's lack of planning sucks. They act like our government by trying to just push things through when they screw up. Go SANZAR stick to your guns and I hope the 5 franchises boycott super rugby because of the KINGS inclusion.
Tell him he`s dreaming!!!!!
Why do they insist of having 6 teams, 5/5/5 is now just right.
why do they keep on making this so complex
Get real man! Are u retarded?
Part 1
Open Letter to the Kings Army from a Lions Supporter
After much deliberation over whether my input would change any perceptions in this very frivolous ''debate'' I have decided to contribute none the less. As a very proud lion supporter I will attempt to remain as independent as possible.
Fact 1. That the EP region is not included in the super rugby structures is a real injustice, this is however also true for other smaller unions, that are branded with the larger unions in their respective franchises, (Boland/Stormers), however obtain little realistic benefit, when comparing their performance against the larger unions in CC and VC comps.
Fact 2. Money rules Sport, Rugby is a professional sport and players are prone to moving where the most money is provided. This although hard to accept by the supporters is no different than the supporter leaving his job to ply his trade at the competitor firm offering higher incentive. HOWEVER some players will stay/move to a specific union due to the perceived opportunity they will be presented with at that union to further their carrier (Think springboks etc).
Fact 3. Promising players from a smaller union WILL move to a larger union based on the larger union's buying power and perceived value by the player. This happens yearly to the Cheetahs, and until recently the Lions have lost some of its players as well. Even the larger unions ''lose'' players between one another. It is however obvious that the smaller (Non SR) unions will lose its better players to the possibility of playing SR.
Fact 4. South Africa does not currently have a player pool large enough to sustain 6 super rugby franchises. This is even more evident with the requirement to increase squad sizes to combat injury/fatigue during the longer season associated with S15. Combine that with the customary post WC exodus of stalwart players and we fall well short of a healthy pool of start players. Just look at what the inclusion of the Melbourne rebels did to Aus rugby, where most of the Brumby and Force stars where loured by the higher payouts of the Rebels. Thus negating the Brumbies and Force chances of being competitive.
Fact 5. On current player roster the Kings will NOT compete at super rugby level. This is to the admission of the ''Kings Army'' who can be praised for not being foolhardy and placing all their money on a three legged horse.
Opinion 1. However it is after praising the ''Kings Army'' that I dare say with the upmost respect that the SR carrot being dangled in front of them has resulted in a certain degree of youthleague-initis. Now this is understandable for someone that has been deprived so long of the joys of top brass rugby. However the current ''We will take it !!, It is not our problem how !!'' attitude by the ''Kings Army'' seems a bit trigger happy.
Fact 6. To be competitive the Kings will need to buy a roster of proven SR players.
Fact 7. Based on the current youthleague-initis approach two of the current franchises will have to be joined into one franchise, or a franchise needs to be removed.
Opinion 2. Whatever the option selected under fact 7. the end effect is the same. A large number of un-contracted players is effectively made available, looking for jobs in the player market.
Opinion 2. Whatever the option selected under fact 7. the end effect is the same. A large number of un-contracted players is effectively made available, looking for jobs in the player market.
Opinion 3. The un-contracted players is effectively now controlled by Fact 2. and thus here it gets interesting. The better players having realistic Springbok aspirations will NOT join the Kings due to the perceived value of the team. They will rather attempt to join the remaining 4 franchises. The better player without realistic springbok hopes will join a European Club due to the larger incentive. These statements are made purely on supply and demand logic, The negative human emotional factor of joining a team perceived as the Kings are now or playing alongside Mr. Watson could also prevent a player from joining the kings, this however seems plausible but unlikely and has thus not been included in the reasoning.
Fact 8. With the ''willing'' additional contracted players from the ''relegated franchise'' the King will now compete in SR. It is however likely that based on Opinion 3 they will still not be competitive. This is understandable and aggravated by the short preseason that these players will have together before their first match. There is thus no second guessing or denial when pronouncing that the Kings will fail in their first season of SR.
Fact 9. The Lions come of a dismal decade of SR, the Cheetahs have not performed much better. It is hence true that as the ''Kings Army'' pronounce ''The Kings can't do much worse than the Lions have done.
Opinion 4. Although the Kings can't perform much worse than the Lions or the Cheetahs in SR I don't believe this warrants their inclusion in SR. Furthermore this kind of reasoning form the base of my earlier statement that the ''Kings Army'' suffers from a degree of youthleague-initis.
Opinion 5. The reason for my apparent hesitation to include the Kings are further based on Facts 2,4 and Opinion 2. What will happen to the franchise that has been relegated?. It is not impossible to postulate the following.
After relegation the union looses it's financial input from sponsorships and tv dealerships and as a result the players leave (as per opinion 7). The union is thus left with fringe players that will not be competitive in the Currie Cup. The union is as a result required to effectively rebuild its player base, and all this without the possibility of financial incentive or perceived player opportunity. This will not only be felt at provincial level but also club and varsity level. See with player A now no longer available player B and C needs to fill his spot. all of a sudden player U/21 is prematurely drafter into the curry cup/ Vodacom cup team. Thus negating the effect of the U/21 development system. Player U/21 gets injured and is replaced by player Club. Thus the club rugby structures are obliterated.
Effectively all the structures and developments that was build up during the years with the moneys received from SR inclusion is destroyed. The relegated union is now in the exact same position as is the Kings are at this stage.
Opinion 6. The reality is that the relegated team as with the current Kings is that they will not be able to compete with the other SR franchises. As a result this whole debate around promotion and relegation should also be scrapped as this is unrealistic. It is like telling your poor brother you will allow him to take your M3 if he wins you in a race, but you only allow him to race you in your M3 while he is kitted with his bicycle!!!.
Relegation will thus not solve the problem, instead it will only shift the problem from the EC to the relegated region and in the process destroy the development in that reason. Effectively SA rugby will be poorer for it! Not that dissimilar than Nationalisation is it, ''Kings Army''? Yet I am sure the majority of you fight against this ''for the greater good''? You see just as sharing the spoils of mineral rights with all through nationalisation might be a very noble and just cause, it is as with the inclusion of the Kings through force, the implementation that is lacking in the process!!
This does not mean that the Kings should not be allowed to participate in SR, by all means they should. Historically only about 10% of our population had the opportunity to participate in rugby with the highest prospects. Through development this is changing although slow. But just sit and for one second imagine the strength of a Springbok team selected on merit from a player pool equal to the entire population.
They should however not be forced into a situation that will be detrimental to the development of the game in another region. Relegation will mean exactly that.
Should we not rather aim to ensure that the idea for which the Kings stand, ie. development, is realised before including them and doing more damage to their actual goal?
Accordingly the way forward should look SOMETHING like this
1. Postpone the inclusion of the Kings into super rugby until 6 teams can be accommodated ie. 2015/2016,
2. In the mean time (4 odd years) ensure additional moneys are streamed into the province to enhance player development, INCREASE the national player pool to allow the inclusion of 6 teams.
3. Ensure developed players get exposure to top level rugby, this includes playing pre-season friendlies, international tour exposure, the Kings management has done a great job to date in this regard and needs to be commended. Ensure the Kings gain access to the CC premiere division, be it through forced inclusion or promotion, but not at the expense of another union!!.
4.Restructure the current contracting process allowing talented ''star'' players from the region to train with the super rugby union and maybe play for these unions on a loan basis, similar that in soccer, this allows the kings to own the player but allows the player exposure to super rugby. This combined with SARU financial aid, ticks both boxes for the player, perceived value and monetary incentive. Compared to relegation the larger unions will surely more than welcome aiding the Kings in this regard as it strengthens the competition for positions in their own franchises.
The bottom line is thus that development must happen in order to increase the player pool to ensure that a six union can be sustained without damaging the development of the game in another region.
I know it may sound harsh and unfair to now expect the Kings to again wait when they have waited so long. Likewise it is unrealistic and unfair of the Kings Army to expect the fans of the current franchised unions to give up their current super rugby ownership. This is unfortunately the emotional nature of such an argument, however allowing emotion to dictate such important decisions is to accept that no solution will be gained and borders on selfishness and foolishness.
Instead of lambasting one another rather identify the real issue and problem, that the blame should fall squarely at the feet of SARU who has not done enough in managing this transition, blatantly issuing statements about the kings inclusion without considering the issues at hand, and most importantly of all, failed dismally in the development of the game.
LOL, hel my vriend. Jy het baie tyd op hande.
Net een vinnige punt - Die franchises is so ingedeel dat elke unie (buiten die Oos Kaap unies) voordeel trek uit Super Rugby. Die kleiner unies wat nie hul "fair share" kry by die franchises nie, moet gaan baklei vir hul fair share. Die Lions skuld die Pumas en Leopard sonderskeidelik iets soos 7 en 9 miljoen rand, so dis duidelik daar is tog n voordeel wat hulle daaruit kry. Moenie nou vir OP, SWD en Grens kwaad wees omdat hulle baklei vir hulle share nie.
From someone who has followed EP rugby for 40 years and experiecing the agony of having to watch how a president whose daytime job was a time clerk in GM's wage office was voted in on purely racial lines and whose only interest was to see how much of the union's money he could channel to their own clubs under the guise of development and to appoint a coach who took over a team that finished 3rd in the Currie Cup A-section and then within 2 years coached them out of the Currie Cup completely, I have to say that you are the first person from outside the EC erea commenting here on this subject that actually put forward a sensibly thought out argument and not just the emotional drivel that the rest are spewing forth here. I wish that we could chat over a couple of beers about this whole issue. Would make an interesting conversation. I assume that you live in JHB, but if you are ever down in PE, I would love to get together for a few beers, because I can see you are a true rugby lover and student of the game and not just an armchair expert. The Springboks vs England test on 23 June might be a good excuse for a weekend at the coast and you can then also experiece the stadium with the best test match atmosphere in the country and before anyone else shoots me down for this last comment, I have watched tests in all the major stadiums across the country over the last 10 years , so I think that sort of qualifies me to make a bold statement like that.
@ Matt
Dit is juis die uiteindelike punt, dat die game so ontwikkel word dat almal voordeel put uit super rugby. Ja die kleiner unies bv. Leopards, Griekwas etc sal voordeel trek, finansieel gewys en tot n kleiner mate to die waarde wat n speler in so span so sien, maar dit is eindelik net n wolk skerm as vergelyk word wat hierdie span doen in die CC teen hulle groot boeties.
Kom ek vra so vir jou sou jy tevrede wees as jou die Kings deel was van die Shraks? Effektiewelik sou ''jou'' ''KING SHARKS dalk een game op PE gespeel word teen die Cheetahs met een speler van die kings in die span en n ander op die bench?
Ek dink jou antwoord gaan nee wees? Meestal omrede so ooreenkoms nie die Oos Kaap streek ten volle baat nie. Die eintlike idee van die insluiting van die unies is ontwikkeling maar selfs daar steek dit kort van wat dit kan
Nes ek voorheen gemeen het is dit onregverdig dat die Kings nie ingesluit is in die SR reeks nie.
Maar weereens bleik dit dat jy my punt verkeerd verstaan, ek is allermins kwaad vir die Kings, daarteen sal ek hulle as nog n SA span ondersteun! Ek dink tog dit is onverskullig om hulle deel te maak van SR ten koste van n ander Unie en daai unie se ontwikkeling tot op hede.
Die eintlike oplossing sal wees om deur verdere finansiele hulp die spelers in die area so te verbeter sodat waneer hulle regmatiglik deel word die impak op die land se speler poel nie so erg gaan wees nie, en so word Bok rugby ook beter
Someone here can't accept the fact that there are other people that are smarter than him. Sad case.
Not that you exactly invented the rocket


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by Lori Whitlock
Design ID #167821
Published: 12/14/2016
This script font is truly beautiful! It welds well making it perfect for vinyl and heat transfer projects. Includes international characters. Includes lowercase cursive letters along with the beginning and ending flourishes. To access the flourishes use these 6 keys: { } [ ] < > For ideas and inspiration and to obtain a limited commercial license for Lori Whitlock's Silhouette designs please visit: www.loriwhitlock.com and www.facebook.com/lori.whitlock.studio
This design is available for personal use only.


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HomeSpirit Visits in Dreams
January, 2013
now browsing by month
Navigating Natural Psychic Abilities
Natural psychic, medium, and empathic abilities may feel a lot more like a curse in their raw states than the gifts they really are. Even for those that the above statement is not true, many still have issues coping with, or fully understanding and learning to work with their naturalRead More
Endings Are Only Beginnings
The only thing constant in life is change. ~ François de la Rochefoucauld Upon those who step into the same rivers flow other and yet other waters. All things . . . are in flux like a river. ~ Heraclitus – There are times when one door must close beforeRead More


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Discussion in 'General Hardware' started by Don_Choa, Nov 11, 2003.
thx u in advance.
system bus speed should be listed on your motherboard makers site and by cache do you mean cpu? if so that will be listed on your cpu makers site
great little program. get the Personal System Information version.
http://www.sisoftware.co.uk/ Free home use version of Sandra. Tells you more than you want to know about your system..
i would reccomend sisoft also, very acurate.
if you're using sisoft, you haven't tried aida


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President Hotel Cape Town: Renovated and revitalised
- Details
- Category: Going Wild Tourism
- Written by Ailsa Windsor
An iconic hotel with spectacular views of the Atlantic Ocean, the President Hotel welcomes visitors to Cape Town with open arms and friendly exuberant members of staff, all of whom are willing to go that extra mile to ensure that their visitors receive five-star treatment
It's no secret that international visitors flock to Cape Town, often as their first port of call, while domestic tourism certainly doesn't fall far behind especially with respect to business. Flanked by Table Mountain with its magnificent cloud tablecloth, white beaches and cool Atlantic sea-front providing a home to whales, dolphins and so much more, the City of Cape Town provides a plethora of entertainment and leisure activities. Therefore, when it comes to choosing a hotel it's wise to find accommodation which is suitably positioned offering easy access to the beaches, transport and events.
The Four-Star President Hotel situated in Bantry Bay ticks all the boxes: 24-hour airport shuttle; magnificent views of the ocean, Table Mountain and Lion's Head; child-care facilities should they be needed; easy access to transport and the beach… and, this sets it apart from many of the other hotels, each room not only has its own refrigerator, but also a microwave and a kitchenette – this means that you could self-cater should you so wish.
However, on that point, I don't believe that many will as the hotel has a newly renovated deli - the Botany Café which places a firm focus on fresh farm/garden produce; the Terrace menu has also undergone a transformation with an exciting a la carte dining experience; or you can partake of the various buffets on offer.
A love of food
Executive Chef – Craig Paterson, is responsible for revamping the menus and introducing culinary delights which are healthy, seasonal but still totally indulgent. For him, food is a lifestyle and not merely a job and to this end he enjoys extracting maximum flavor from each of the ingredients. As he states when he crafts a dish: "You have to understand how food works… it's a lot like fashion, so it's important to stay with the trends."
He is firmly on the path to "restoring the President back to its former glory" and to this end realises that his staff-members must receive on-going training to place them a notch above the rest with respect to customer service, while at the same time continuously garnering new knowledge.
Craig's love of food and attention to detail certainly came to the fore during me stay at the President… it was a ray of sunshine in my otherwise dreadful year (one which I would not ever like to repeat)! Not, only was I greeted by an exquisite cheese platter as I entered my room, but there was also a bottle of magnificent red wine (bottled in the Cape, of course)… and as I settled in there was a knock at the door and a smiling waiter delivered a thermos jug of hot chocolate – yummy!
Rooms with a view
The President Hotel has a complement of 349 rooms over six floors all of which have a view – either the sea or the mountains… and there is an accommodation solution for everyone. There are two-bedroom apartments; single apartments; double or twin-bed rooms; and even suited with two bedrooms and two bathrooms, should they be needed. In addition, cribs/infants beds can be provided at no additional cost – the only surcharge would be if babysitting services were needed.
All-in-all, however, it was the attention to service which stood out for me – absolutely nothing was too much trouble and every staff-member went the additional mile … and always with a smile!
Situated at 4 Alexander Road, Bantry Bay, the President Hotel should definitely considered when you are planning your travel itinerary… and, if you need any additional incentive they are so proud of their super-fast WiFi – according to staff-members it's the fastest you will find in the City. True! I was impressed!


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Watch how MacPhail Center for Music's partnership with Ascension Catholic School in North Minneapolis brings classical musical education to children who might not otherwise have the opportunity.
This program, which began in 1989, serves as a model for more than 90 other community partnerships that bring musical education to many diverse communities throughout the state.
For more MN Original resources, click here.
© 2017 PBS & WGBH Educational Foundation. All rights reserved.
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Tormenting the Hen
2017 - 77 minutes
Vague Visages Interview: on the Use and Misuse of Language
Spectacle Theater - NYC Theatrical Run Nov. 16th - 22nd
Facets Cinematheque - Chicago Theatrical Run Dec. 15th - 21st
Little Cinema - Berkshire Theatrical Run Dec. 7th - 11th
*Duncan-Williams Scriptwriting Award*
Independent Film Festival of Boston (IFFBoston)
Screen Anarchy: Review
Indie outlook: Interview
Hammer to Nail: Review
The Arts Fuse: review
Film Pulse: review
Film Pulse: Podcast
Boston Reel: review
Filmmaker Magazine: film clip
Filmmaker Magazine: How I Shot "Tormenting the Hen"
Filmmaker Magazine: interview
FANDOR essay: THE POLITICS OF MOVIE FOOD
Indiewire: Project of the week
FILM PULSE: interview
When playwright Claire is invited to set her latest political work at a rural theatre company, her fiance Monica tags along for a much-needed vacation.
Upon encountering Mutty, an enigmatic neighbor with a gross lack of social boundaries, Monica's hope for a quiet vacation, and perhaps her very sanity, are thrown into utter jeopardy.
Theodore Collatos - Writer, Director, Cinematographer, Editor
Ben Umstead - Producer
Matt Grady - Producer
George Mantos - Editor, Producer
Justin Sherratt - Executive Producer
Tyler Rubenfeld - Assistant Director
Christopher Jason Bell - Creative Consultant
Sarah Lipstate - Music
Matt Shaw - Percussion
Guillermo Tunon - Colorist
Jay Lifton - Composer
Matt Shaw
Carolina Monnerat
Josephine Decker
Dameka Hayes
Brian Harlan Brooks
David Malinsky


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Maybe Milosovic was onto something?? Beside killing Muslims what else did he do???
Diverted billions from the Yugoslav National Bank, murdered political opponents and members of the press, stole numerous elections, and turned Serbia into an impoverished third world mafia state.
Well, he was an atheist who fought wars with Christian Slovenia and Christian Croatia, he precipitated the first deployment of US troops to the Balkans to deter Serb aggression against Christian Macedonia, destroyed and damaged more Christian churches & holy sites in the Balkans than did the Muslims, took millions from Saddam in the oil for food scandal, was a friend to Qadafi and an ally of Iraq. So, if you like anti-Christian dictators who are allied to the enemies of America and start wars with his neighbors, then Slobo is your man.


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By Dipty Jain, Principal
With fears still running high about what the medium and long-term implications of Brexit are, we should take this time to reflect upon best practices in planning for uncertainty. The referendum serves as a reminder that while we cannot predict the future, we should be prepared to act.
And scenario planning— developing responses to account for uncertainties—should be a regular practice for organizations.
Scenario planning shouldn't only happen to respond to crises, or unknown unknowns. All nonprofit organizations also face situations in which there are known unknowns, such as the level of revenue raised at a fundraiser or expenses of a building repair. This is why we consider scenario planning a key piece of effective financial management: it lays out an action plan to mitigate the risk and leverage the opportunities of future events on revenues, expenses, and operations.
Here are three strategies to incorporate into your organization in developing a successful scenario plan:
- Revenue: the Known Unknown
No matter how much effort goes into reviewing your expected revenues for the year, there will always be unknowns. The types of things that can affect revenue are the nonrenewal of a multi-year grant, changes in revenue from public sources as government budgets shrink (or grow!), and the unpredictability of individual giving from year to year. Scenario planning can help prompt an analysis of the likelihood of funds from particular sources based on historical trends and help develop responses to future revenue fluctuations.
- Expenses: Budgeting for the Unknown
Expense budgets should reflect a planned and strategic use of resources. Organizations don't operate in static environments so fixed expense budgets aren't really realistic nor do they maximize opportunities. Foreseeable expenses, like increasing personnel costs to allow for promotions, and unforeseeable expenses, like litigation expense, impact budget forecasts in different ways. Scenario planning can help build responses to both situations, such as a compensation increase budget or contingency budget, or building organizational reserves to mitigate the effects of an unforeseeable event.
- Leadership: Communicate Knowns and Unknowns
Prioritizing effective and transparent leadership communication is key. It's important to have a plan to respond quickly to unforeseen events and organizations need high-functioning leadership teams that have a role in developing the scenario plans and can make decisions when the time comes. Having a decision making process and an empowered and engaged leadership team will help identify red flags and potential opportunities early and eliminate bottlenecks in execution under any scenario. For example, if your biggest funder changed its program focus, are you confident that your organization's leadership could come together as a team and identify steps to take to tackle the challenge?
Events like Brexit that are unexpected can lead to uncertainty and discomfort about our own financial situation. By incorporating scenario planning on a regular basis, nonprofit organizations will be more resilient and can carry on normal operations in the face of uncertainty.


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With the help of these sites you may find what's in the stars for you online. This collection of websites contain free daily, weekly and yearly horoscopes including love and relationship ones. You may learn your compatibility with a partner here and find out which zodiac sign is the most suitable for you. You can also find here celeb astrological gossips and other predictions and forecasts of esoteric sort. You should keep in mind that such resources are created mainly for entertaining purposes and should not affect your relationships with relatives and colleagues.
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text: dachshundsftw Play via YouTube OPEN IN APP NSFW Safe Is this playlist safe for work? a new dose of folk April 16, 2012 | 10 tracks | 521 38 | Stats Noah Gundersen Strand of Oaks Eric Bachmann folkamericanaacousticindie folkmellow Liked Collect Share Edit Liked! Share this mix with friends: a new dose of folk Wrong video Collect Share Liked! Share this mix with friends:


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I advocate for open educational practices and conduct research on open education and the scholarship of teaching and learning.
I am the University Teaching Fellow in Open Studies and a faculty member in the Department of Psychology at Kwantlen Polytechnic University. I also currently serve as a Senior Open Education Research & Advocacy Fellow with BCcampus, an Associate Editor of Psychology Learning and Teaching, and an Ambassador for the Center for Open Science.
I previously served as an OER Research Fellow with the Open Education Group, a Faculty Fellow with the BC Open Textbook Project, a Faculty Workshop Facilitator with the Open Textbook Network, and the Associate Editor of NOBA Psychology.
I am delighted to announce the publication of Open: The Philosophy and Practices that are Revolutionizing Education and Science (Ubiquity Press), available for free download in digital formats and from Amazon and Book Depository in print formats.
From the back cover:
Affordable education.
Transparent science.
Accessible scholarship.
These ideals are slowly becoming a reality thanks to the open education, open science, and open access movements. Running separate—if parallel—courses, they all share a philosophy of equity, progress, and justice. This book shares the stories, motives, insights, and practical tips from global leaders in the open movement.
Click here to read a brief review of the book in the Chronicle of Higher Education.


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Tin God (A Southern Mystery) (Delta Crossroads Trilogy #1)
"Stacy Green has the power to transport readers to a place and time. Whether it's the sticky heat of a Mississippi summer, or the cold terror of coming face to face with a murderer, her writing stimulates all the senses. TIN GOD is a very satisfying read." –Bestselling thriller author Rachel Abbott
"Stacy Green has written an emotionally charged, thought-provoking and stunning mystery/suspense that will capture and hold you hostage until the last page is read." –The Kindle Book Review
The truth can be as deadly as any weapon.
Jaymee Ballard trusted only one person in Roselea,Mississippi with the secret of her lost daughter. When that person is brutally murdered, it leaves her with heartbreak and a slew of unanswered questions. The eerie similarity to a murder of one of Jaymee's close friends years ago causes her to realize her past has come back to haunt her and may cost her own life.
Years of deception and abuse leave Jaymee with few options and fewer allies. She turns to the widower of her friend—a man struggling with his own demons—to help her find her daughter and identify the killer before he strikes again.
Before all evidence, the truth—and Jaymee's daughter—are lost.
TIN GOD is a romantic thriller set in a small town. Filled with suspense and featuring a strong female protagonist, this mystery leaves the reader wanting more.
"Stacy Green writes some of the best villains out there while at the same time keeping them well hidden. I highly recommend this book for adults who love suspenseful mystery with a dose of romance and a surprise you don't see coming. I will definitely be reading more of her stories." –Open Book Society


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When: Thursdays – March 26, April 2, April 9 & April 16 from 5:30-7:30 p.m.
Location: UNC Eshelman School of Pharmacy, Beard Hall, Room 102
This four-part workshop will focus on introductory Chichewa greetings and linguistics, medical interview vocabulary, and cultural sensitivity in health services for UNC students, staff and faculty planning research, service or internships in Malawi. Workshop sessions cover elementary language construction, health and cultural training, as well as brief presentations on the history, geography, politics and economy of Malawi. Participants will be provided soft copies of readings and basic language material. Dinner will be provided. Attendance at a minimum of 3 sessions is required.
Space is limited – please register by emailing Mamie Harris at email@example.com . Also contact Mamie for additional questions or concerns.
This workshop is sponsored by the UNC Institute for Global Health & Infectious Diseases (http://globalhealth.unc.edu/) and the UNC African Studies Center (http://africa.unc.edu/index.asp)


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- 12 carrots
- 1⁄2 a sweet onion
- 2 Tbsp. tahini
- 1-2 Tbsp. water
- Salt and pepper to taste
- Wash carrots and roughly slice onion.
- Place on a baking sheet and turn oven to broil.
- Cook carrots and onions until soft and crispy but not burnt about 10 minutes.
- Check often as cook time varies with oven.
- Once cooked place in a food processor with tahini and water, blend until smooth.
- Place spread in bowl and add salt and pepper, stir well.
- Use this spread on sandwiches or for dipping like hummus.