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EC (European Commission) & Institutional Donor Grant Auditor
|Job Title:
|EC (European Commission) & Institutional Donor Grant Auditor
|Contract Type:
|Contact Name:
|Human Resources
|Contact Email:
|Job Published:
|August 07, 2019 11:25
Job Description
Not for Profit Division
The Not for Profit (NFP) division has an impressive pool of knowledge and experience to share, and from which to learn and grow. The team is led by partners with extensive experience in this broad sector, ranging from auditing and advising diverse NFP entities, carrying out high profile investigations into public spending and managing significant contracts with the European Commission and other International Donors.
NFP organisations are distinguished by the fact that they exist for a social purpose, rather than by what they do day to day. This means the NFP world encompasses everything from radical campaigning organisations to big businesses with a public benefit remit. This is an exciting time for anyone with an interest in the sector to be joining our NFP team and, in return for your enthusiasm to develop and learn, we can offer you the opportunity to build a rewarding career.
What skills will you need to be effective in this role?
Responsibilities Job Duties and Responsibilities
Purpose and aim of the role
PKF Littlejohn LLP hold a number of framework contracts with EC and International Donors:
• Directorate-General for European Civil Protection and Humanitarian Aid Operations (ECHO) of the European Commission to audit grant funding awarded to various organisations within the European Union, with audits undertaken both within the EU and globally;
• Directorate-General for International Cooperation and Development (DG DEVCO), or 'EuropeAid', of the European Commission to audit grant funding awarded for development aid across the globe;
• Single European Sky Air Traffic Management Research Joint Undertaking (SESAR JU) to audit entities across the EU in receipt of grant funding;
• A framework contract with Education, Culture and Audiovisual Executive Agency, EACEA, also covering the Executive Agency for SMEs (EASME) and Innovative Networks Executive Agency (INEA);
• Directorate-General for Budget, DG BUDG, to audit grant funding across the EU in a number of different fields;
• The Global Fund to Fight AIDS, Tuberculosis and Malaria, with whom we have a framework contract to provide French speaking auditors;
• Innovative Medicines Initiative (IMI) JU, a joint undertaking between the EC and industry in the field of medicines, this framework contract also covers other EC/industry JUs – Clean Sky JU relating to improving the impact of air transport on the environment and Fuel Cells and Hydrogen JU which supports fuel cell and hydrogen development projects; and
• Various other contracts covering other International Donors such as DFID, the UN etc.
PKF Littlejohn LLP leads consortiums of European firms to audit grant funding awarded to various organisations within the European Community under the above contracts. The firm has a Partner permanently based in Brussels to oversee the completion of assignments on these contracts, as well as to identify new business opportunities.
The above contracts cover the audit of grants awarded to organisations operating typically in the fields of humanitarian aid and civil protection, development aid, research and culture. Assignments take place either within Europe or across the world according to where the aid is being delivered and/ or where the supporting records are kept. In the context of humanitarian aid, this often means travelling to places suffering due to conflict or political instability, these are referred to as field audits. The time spent with each organisation in the area of action varies between 3 and 5 days depending on the level of in-country access available due to security issues and the distance between country offices, field offices and project sites. Whilst it is not a requirement to have experience of working in high risk security contexts it is an advantage.
The successful candidate will be expected to perform a role that involves:
• undertaking field audit trips throughout the year usually ranging from 1 to 3 weeks per trip, but occasionally lasting up to 5 weeks; and
• undertaking other audits within Europe which typically last up to 1 week but can sometimes last up to 3 weeks.
It is anticipated that successful candidates will travel for 2 – 3 weeks of each month with the remainder of time spent in our London office, planning future audits and writing audit reports.
The successful candidate will be required to work with the rest of the audit team ensure the audits to which they have been assigned are thoroughly planned and executed in order to ensure:
• the maximum possible safety of the team in the field; and
• the final signed reports are delivered to our clients within the contractual deadline.
The work for field audits is performed in teams of two in the areas of action, where needed, assistance may be provided from other consortium firms. For EU-based audits the team may range from 1 to 4 staff, again with assistance provided from other consortium firms. The locations of the work are chosen by the various EC DGs and DG personnel may also accompany the auditors on some trips.
The successful candidate will report to the managers and will be responsible for delivering to them a fully drafted audit report and complete set of working papers. The individual will complete audit work in the field (EU and global), covering the following key areas of the beneficiary's operations and project costs:
• Organisation
• Compliance
• Internal controls
• Accounting systems and IT
• Cash and bank
• Personnel
• Travel and subsistence costs
• Other direct costs
• Indirect costs
• Fixed assets
• Procurement
The successful candidate will also be responsible for planning assignments, file audit completion and drafting the audit report.
In addition to all of the above, should the firm win similar assignment work from other international donors or implementing organisations (e.g. NGOs or International Organisations, IOs), the role as described here can be expanded and varied to incorporate such new work as deemed appropriate and necessary.
Responsibilities or involvement in Management
• Active involvement in the development of audit staff;
• Assisting in the motivation of staff; and
• Assisting with marketing activity.
Communication and Business Relationships required
• Effective internal communication – both oral and written – with all members of the audit team
• Effective external communication with European Commission, other International Donors and auditees
Job Knowledge Required
• Attend training courses as appropriate
• Possess core IT skills, including Excel, Word and PowerPoint.
Person Specification
Skills and Qualifications
The ideal candidate will be skilled in the following areas;
• Proven skills in external auditing;
• Proven skills in audit planning, fieldwork and file completion;
• Good report writing and communication skills; and
• A keen interest in specialising in the Not for Profit and Grant Auditing sector.
ACA qualified (or equivalent) or have internal audit skills/qualifications
Language skills
Fluent English required.
Knowledge of (spoken and written) Spanish and/or French preferred.
Other language capabilities a bonus (EU and non-EU)
Personal Attributes
• Leadership skills, with the ability to command respect at all levels; • An understanding of the European Commission; • Comfortable with working with a wide range of people from many different countries; • Able to provide direction and support to assistants from other firms and countries; • Ability to work in challenging environments; • Ability to take responsibility; • Be commercially aware; • Able to communicate effectively and keep others informed; • Ability to encourage team spirit and improve the performance of junior staff by providing clear instructions, supporting and involving team members, monitoring individual performance and providing constructive feedback; • Able to consider the needs of the team members under supervision and identify training needs as and when required; • Proactive; • Strong technical skills; • Sound professional judgement; • Report writing skills; • Analytical and problem solving skills; • Flexibility in approach to work and willingness to assist others if needed beyond the normal work parameters; • Strong organisational skills; • Ability to prioritise workload and work to deadlines; and • Decisive – can make correct decisions when under pressure.
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U.S. Agriculture Secretary Tom Vilsack last week appointed four members to the United Sorghum Checkoff Program Board including two from the Panhandle.
Danny Krienke of Perryton and Kathy Brorman of Hereford will serve three-year terms on the 13-member board that oversees research and promotion programs funded by collections from sorghum producers.
Such boards "empower farmers and ranchers to leverage their own resources to develop new markets, strengthen existing markets and conduct important research and promotion activities," according to a news release.
Webinar to cover farm testing
A Texas A&M AgriLife Extension Service will host a webinar from noon to 1 p.m. Thursday to teach about soil, water and forage testing.
Topics will include soil characteristics, fertilizer recommendations, forage nutritional value and toxicity and water quality's role in agricultural operations, according to a news release. There will be discussions on sample collection and what to expect from results from samples submitted to the Texas A&M University Testing Laboratory, soiltesting
The session is free, but those wanting to earn continuing education units must pay $10. Licensed agricultural private pesticide applicators can earn one general unit for participating in this seminar.
This webinar and previous ones in the Texas Range Webinar Series can be accessed at naturalresource
For more information, contact Flores at pete
FSA extends deadlines
Potter/Armstrong County USDA Farm Service Agency Executive Director Adam Acker announced recently that producers who want to maintain program eligibility now have until Jan. 15 to report crops that have a Nov. 15 or Dec. 15 reporting deadline without paying a late fee.
This does not apply to crop insurance deadlines.
Crops included are wheat, triticale, other small grains and improved and native grasses intended for grazing or haying.
For questions regarding crop certification and crop loss reports, contact a local FSA office.
2014 cattle prices to mirror 2013
"Both cattle slaughter and beef production are expected to decline for the remainder of the year, bringing fourth quarter cattle slaughter down over 5.5 percent, year over year, and beef production down over 5 percent," said Derrell Peel, Oklahoma State University Extension economist, in his Nov. 18 newsletter. "For 2014, cattle slaughter is expected to decrease roughly 7 percent year-over-year leading to decreased beef production of over 6.5 percent for the year."
Feeder prices should remain strong as the calf crop will be as small or smaller than this year, imports will stay low and replacement heifer demand could remain strong, keeping cattle out of feedyards, his report stated.
Kevin Welch can be reached at firstname.lastname@example.com,
facebook.com/KevinWelchAMA or
@KevinAGN on Twitter. Welch also blogs at amarillo.com.

subset: commoncrawl


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Avanti fine mesh chinois strainer - 24cm
A chinois strainer is a cone-shaped metal strainer with a very fine mesh that is used for straining stocks, sauces, soups and other fruit and vegetales that need to have a very smooth consistency.
This stainless steel fine mesh chinois is made from high quality stainless steel and features a long secure handle for easy handling.
Dishwasher safe
Size: 24cm diameter


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Sorry, due to rights agreement, we are unable to offer this content in your territory.
By Channel 5 Published: 17 Jul 2019 Audio: English
Can baking soda paste effectively whiten your teeth ? What about charcoal mix ? Does it cause more good than harm ? Dr Chelsia Sim cautions the audience on the use of home remedies and offers advice on oral care.
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15 Great Donation Page Examples To Increase Donations
Looking for donation page examples? We'll explain what you need to include, how it will help & 15 great donation page examples. Find out here!
August 21, 2020
Good experiences are everything with your church's app. See how you can create a slick, fast, and easy-to-use experience with your church app.
January 25, 2019
Good experiences with your church's app are everything.
After scrolling through Facebook, playing Fortnite, or buying something on Wish, people expect your church app to be slick, fast, and easy-to-use.
As a church leader, it's hard to meet these expectations.
And to add insult to injury, you look at apps from Life.Church and Elevation Church and you know that you don't have the money or staff to make something similar.
Before you fall into a pit of despair, hang tight.
Things are about to change for you. 🙂
We just rolled out some sweet updates you're going to love.
Let me shoot you straight:
You can now get a megachurch app without spending megabucks.
I know you're a person of action, so I'll spare you the small talk.
So let me show you what I'm talking about instead.
Check out this example from Church of the Westside.
At first, you'll notice an attention-grabbing banner at the top.
This banner is optional.
But it works well to engage your church app users with whatever you're promoting.
Next, you'll see individual sections that include horizontally scrolling cards:
This new layout makes it super easy for people to use your church's app.
Here's how:
Talking about clutter, our new layout makes it easy to simplify your church app.
One way you can now reduce your church app's clutter is by reducing the number of tabs at the bottom.
Check this out:
When you click on "Home," you will be taken back to the main page. Now, when you click on "Newsfeed," you'll be able to scroll through your church's social media accounts.
Let me show you:
For Church of the Westside, their newsfeed pulls in updates from their social media accounts, as well as their push notifications. This change makes it significantly easier for your church to stay up to date with you online.
Do you want to test someone's faith?
Provide a church app that's slow, freezes, or crashes.
Building an inefficient app may not (really) tempt someone to walk away from your church. But it will entice them to uninstall your app and never use it again.
The latest updates we made include beautiful, rich imagery.
Usually, these types of images will slow down your app or website, like, way down.
But that's not the case with our church app.
I don't want to bore you with the details.
But here's what you can expect:
A smooth, reliable, and fast experience for your church app users.
To make sure the images and content of your church app load fast, we developed our app in such a way that it won't cause someone's phone to crash or gobble up loads of data.
Here's one last nice touch we added:
You can completely customize the cards in the slide-out menu and link to wherever you want.
Take a look:
Previously, you couldn't customize the image and you were limited to the links you could include.
You now have the freedom to customize these cards any way you see fit.
Like to see a step-by-step walkthrough of every new update?
Check out this video demonstration:
Contact a specialist today to learn more.
Have a church app with Tithe.ly?
Then send us an email, and a member of our team will walk you through the changes.
Think about this for a moment: 80% of internet users own a smartphone! That's right. 80% of folks online have a smartphone — a device that allows them to get online and find information, read books, check email, pay bills, shop, get directions, manage finances, buy coffee, take a cab, and so much more.
February 5, 2017
For years, Tithe.ly has been known for bringing innovation into the church through our digital giving tools. It's been amazing and we've enjoyed every minute of our work and the time we've spent serving churches and ministries. But we can't stop there … great companies grow by looking for new ways to serve and bring value to their customers!
February 2, 2017
Producing giving statements for your members/donors is important work, but it's tedious and time consuming for all involved. Some would even say it's painful. As much as you love serving people, I'm sure you'd rather not spend a lot of time on this task. So…we decided to make producing annual giving statements easy!
January 24, 2017
We wanted to make it simple for you to see a few key indicators at a glance (weekly average, # of new donors, average gift size, percentage recurring), and help you see giving trends over time for giving amount, number of givers, and number of gifts.
June 24, 2016
We've got some great news coming from the Tithe.ly product team! Of course, they'd love to write this themselves, but they're heads down working on the next batch of great features — more customization capabilities, events, integrations and more!
June 6, 2016
Fun fact: The first-ever text message was sent December 3, 1992, by software engineer Neil Papworth, to Vodafone director Richard Jarvis, who received the message on his Orbitel 901 cell phone. It read simply, "Merry Christmas."
August 17, 2015


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The VDO RoadLog ELD is specifically designed to address the needs of small fleets and owner operators, and it has a part of the hardware that makes it unique: a built-in thermal printer, although it printer is a stand alone unit that does not communicate with the back office. Drivers must put their logs onto a USB stick and hand them to office staff in person to load into the back office software. While in some case this might work for an individual driver, or for a small fleet of a couple trucks, relying on a the manual transfer process quickly is not realistic for larger fleets, and in 2017, when almost everything is Internet connected, handling USB sticks along with everything else is one more thing to lose and to get the trucker in trouble.
The VDO RoadLog ELD Plus is Continental's electronic logging device for larger fleets. This device has cell capability so it can communicate with the back office to send logs and other data over the air. The ELD Plus combines GPS data with data from the vehicle, to create a complete digital log. Drivers log in to the RoadLog ELD with a proprietary USB drive called the VDO RoadLog Driver Key. RoadLog ELD manages Driver log data automatically, and the VDO RoadLog Fleet Management Software converts the Driver log data into a complete FMCSA compliant operations record.
The cost for the ELD device is very expensive, coming in at over $700 upfront. After the large upfront cost, the VDO RoadLog ELD is available with no monthly fees. However there is a monthly subscription fee for the ELD Plus version that uses 3G data and there is additional cost for use of the Fleet Web Software. Most users will need or want this. Therefore, most users will end up paying $20-40 per month for the ELD Plus with access to the RoadLog Fleet Web software.
Device / Installation / Connectivity
VDO RoadLog has a built-in printer for faster roadside inspections. RoadLog ELD is the only electronic logging device to feature an integrated printer that allows Drivers to print out a paper log right in their vehicle. At the push of a button, RoadLog's built-in printer prints out current, detailed logs, with the intention to get drivers through roadside inspections faster and easier.
The RoadLog ELD Plus runs on the same RoadLog device as the RoadLog ELD, which is considered to be reliable. It also has the built-in thermal printer that allows a driver to quickly print off a paper log during a roadside inspection. However, a driver can also show the digital display to accomplish the same thing, which less paper clutter…and less need to tinker around with more hardware in the cab.
ELog Mobile App For Drivers
VDO RoadLog Connect Key is designed to give Drivers the ability to send their log data back to their company's Fleet Software through the cell phone. VDO RoadLog Connect is a Wi-Fi enabled USB drive that sends the Driver's log data to the VDO RoadLog Connect App on the Driver's cell phone. The RoadLog Connect App then emails the data back to the office computer that's running the RoadLog Fleet Software. The VDO RoadLog Connect USB drive is used to manually transfer log data from your RoadLog ELD directly to your Fleet Software.
Website For Fleet Managers
VDO RoadLog Fleet Online™ is a web-based fleet management and compliance system that gives small and mid-sized fleets some of the key features and operations advantages that the large national fleets now enjoy in their Fleet Management Systems.
VDO RoadLog Fleet Online can be used by owners of any RoadLog ELD, but users of the GSM cellular equipped RoadLog ELD Plus will see additional capabilities with RoadLog Fleet Online, including the ability to upload data from the road.
VDO RoadLog Fleet Online is available anywhere you have Internet access. Records can be accessed at the office, on the road or from home, by one or more Fleet Managers, simultaneously.
Additional Features / Comparison to Market
The RoadLog ELD and ELD Plus are both designed to be simple and straightforward to use so telematics features are limited. The Plus does logs, DVIRs, GPS tracking, and IFTA mileage reporting. Messaging and engine diagnostics are features noticeably missing from their offering. RoadLog ELD and ELD Plus do not provide any options for GPS navigation or document scanning. Drivers cannot at this time edit their own logs, or email them from the device. Back office tools and reports are available, but fairly basic.
The RoadLog ELD and ELD Plus are built on unique, reliable hardware, however it is doubtful that either of these units will become popular ELD solutions. There are many features that VDO would need to add to the RoadLog for it to be able to compete with other hard-wired competitors like Omnitracs, Peoplenet and Rand McNally. The major unique feature of RoadLog is the built-in printer, but the printer might just be cab clutter, something to get in the way and break down, once the ELD mandate is in effect and the same information can be or even must be sent electronically, instantaneously and wirelessly. Just like in regular corporate offices, truckers, too, will come to take for granted the ability to transmit, receive, and store information digitally, which will eliminate the need and desire for printers and paper copies.


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Create an Account - Increase your productivity, customize your experience, and engage in information you care about.
The Clayton County Conservation Board is accepting lump sum bids for the Bloody Run County Campground Picnic Shelter
The 2020 General Election will take place Tuesday, November 3. Polls will be open from 7 AM - 9 PM.
FY2021 Tax Levy Rates are available. Click below for more information.


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MilanPiazza degli Affari, 2
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Adekunle Gold has made his family proud.
Recall that last weekend, the Ire singer hosted his 'About 30′ concert at Indigo at The O2 in London, and it turned out to be a sold-out event, with featured appearances by other acts including Tolani, Falana, Juls, Harry Marshal and Bimbi Phillips.
The highlight of the event was when Simi showed up on stage and performed No Forget with Adekunle Gold. The duo cuddle, put on the PDA, as they sang their hearts out while their fans cheered.
Now, a new video has surfaced showing how emotional his sister, Kunbi Obayemi, got when she spotted his advertorial boards on the streets of London; the singer has really made his family proud, which is why his sister couldn't hold back the tears.
Watch the emotional video below.
View this post on Instagram
Adekunle Gold's Sister Burst Into Tears After Seeing Brother on Boards in London . . Mrs Kunbi Obayemi, Adekunle Gold's sister was seen on video tearing up after seeing her brother on electronic boards in London. . . In what appeared to be a very emotional moment, she was seen taking a walk with a friend when they ran into boards advertising her brother's #About30 concert. . . That was all it took to trigger and start the waterworks. She was overwhelmed with happiness, smile and tears. . . Adekunle Gold had his #About30 concert at Indigo 02 in London last weekend. . . The concert sold out and featured Simi, Falana, and several other musical acts. Electronic and bill boards advertising the event were seen all over the city of London…. Swipe to see more….


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Caring for a Three Legged Dog or Cat
Tripawds is the place to learn how to care for a three legged dog or cat, with answers about dog leg amputation, and cat amputation recovery from many years of member experiences.
Join The Tripawds Community
Learn how to help three legged dogs and cats in the forums below. Browse and search as a guest or register for free and get full member benefits:
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NEW! Be More Dog – Learning to Live in The Now
Get the new book by the Tripawds founders for life lessons learned from their Chief Fun Officer Jerry G. Dawg! Download the e-book, and find fun Be More Dog apparel and gifts in the Be More Dog Bookstore.
My Baby Bear is 2 weeks post op from a complete front leg amputation. The vet took everything including the shoulder and shoulder blade. There was a very fast growing tumor that invaded her bone. The first vet said nothing could be done but keep her comfy and gave a grim 5 day to a 'possibly a month' prognosis. By the grace of God everything worked out where I found an amazing vet for a 2nd option. They rushed her back the same day for an amputation even though it was just regular apt scheduled. The time that passed between the first vet and 2nd vets visit was 4 days. In that time the tumor was growing so quickly that she was having a hard time swallowing her food. The new vet saved her life.
Heres her information. She is 11 yrs old and healthy. Pathology came back as soft tissue sarcoma. She did have a rough first couple weeks…
3 days post op she jumped in the tub. Actually she fell in the tub. I didn't realize she didn't want to walk until that night when she peed her bed. The next day, (day 4), after the Onsior wore off she was in a lot of pain and her back leg had a noticeable lump on it. It was Saturday and the vets office closed at noon ~ the Onsior wore off after 1 pm. She stopped eating and drinking. I still gave her her bupropion for pain that night. The next day (Sunday) I realized she hasn't gone to the bathroom since Friday night and she wasn't drinking anything. She looked and fit every detail of dehydration. I rushed to the store and bought pedialyte and gave her that mixed with bone broth (that I made for her on Tuesday) via a 1cc syringe. In fear that the medication could mess up her kidneys and liver since she wasn't going to the bathroom or drinking any fluids I didn't give her her am pain meds until around 4pm (and only half a dose to take the edge off). Finally around 9 pm she finally went to the bathroom. I gave her approximately 4-6oz of fluids throughout the day and felt comfortable that her organs were ok so I gave her the other half of syringe of pain meds. (ps the emergency vets in my area are HORRIBLE so that wasn't an option. You know there's a problem when over 50% of the reviews say don't go here if you want your pet to live).
When we arrived at her vets office for our emergency Monday morning appointment. The surgeon that did the amputation removed the bandages and gave her an anti inflammatory shot for the swelling in her leg. Said it was only a soft tissue bruise.
From Friday forward she refused to use the litter box and peed in her bed. She still didn't want to eat or drink. Finally mid week she slept in her litter box and peed in it. I left the urine in it so she would know that's where she needs to go and it worked! No more accidents! :D. I gave her a bath and all was good until Saturday when she pulled her stitches out and chewed open her wound. Another emergency visit on Monday but the vet said it was ok that it needed to granulate over to heal. ~ I'm sure you are wondering why I didn't put the cone on her. She was barely eating and drinking as it was. The cone prevents her from being able to consume anything by herself…she can't reach to food in the bowl.
I have learned a few things over the course of this experience. 1) lay yoga mats on the floor for traction and when they fall it will be cushioned. (I wish I knew about this when I brought her home, she slipped and fell so many times from losing her balance that it just crushed me). 2) Have unflavored pedialyte and homemade bone broth on hand. They don't want to eat or drink because of the meds and pain. The bone broth has so many nutrients that will help recovery, it also entices them to drink. 3) Be very cautious of the medications and duration they give to your cat. Cats do not have the enzymes in the liver to break down NSAID's among other medications. The NSAID's by themselves and especially w combination of other medications can cause your cat to get liver toxicology and go into organ failure. 4). Stasis Breaker works! It's a prescription and only available through a Traditional Chinese Medical Vet (TCMV). I did a bunch of research on it..please look it up there is hope! This link will get you started https://miracle…..r-animals/
Now here is where I'm needing assistance. I have been slowly introducing her back to her old habits and trying to treat her as if nothing happened to her. Even though I absolutely dote over her and she IS my baby. She walks when she wants to etc so mobility is not an issue. She will be fine, then 30 seconds later she will be ultra scared and runs and hides. How can I help her get over the stressed out scared of her shadow issue she's having?
Sorry this is soooo long, but I wanted to make sure you realized her 2 week recovery period had a few bumps and hiccups along the way.
Thank you for all of your help.
I'm so glad you shared so many details, it really shows how much thought and care you put into Baby Bear's needs, especially at a time like this. KUDOS to you for finding that second vet! It never ceases to amaze us how many times we hear similar stories. You are a pawesome advocate!
Baby Bear's recovery would make a great Tripawd Tuesday feature. If you'd like us to spotlight her, message me and I'll send you details.
Meanwhile about her behavior patterns. Do you think it could possibly be phantom pain ? Does it happen when she's just sitting still, then from out of nowhere she gets up, runs and hides? Two weeks out isn't that long of a time and if she had a hard time with all that pain immediately out of surgery, it could be affecting her now. Is she on any meds now?
It's better to hop on three legs than to limp on four.™
Latest Tripawds News
Read my story here.
Hi Jerry,
Yes adding her story to Tripawd Tuesday would be great!
Im not too sure if it would be phantom leg, because she doesnt have any part of that extremity, shoulder nor shoulder blade. (i can send you a pic of her incision if you like, it is not a normal amputation because the growth was so aggressive.)
She will be normal, just sitting there as I pet her or even by herself and then 'Bam' out of nowhere she will freak out and hide. She is stressed out even when I introduce her back into her previous normal environment. I will be holding her by the window looking out it, she will do her normal rub on the blinds and then something small like a noise freaks her out. Or I will go to pick her up and she will start growling, but once shes in my arms she is calm and purring.
She was only on pain meds for 5 days. 2x daily (for 5 days) bupropion, and 1x daily (for 3 days) Onsior. Liver toxicity is a huge concern for cats that a lot of vets don't recognize. When the first vet wanted to give her a NSAID and bupropion I mentioned the liver toxicity concern. Her statement was and I'm quoting her "Liver toxicity is her least concern, thats not what's going to do her in…" I went home and read more about the harmful effects off NSAID's on cats and it specifically said never give NSAID's w any other medication.
The link I shared is a God send. It allowed me to find the other vet who saved her life. Hopefully someone else will be able to benefit from that information too.
22 February 2013
Ditto Jerry! You are such a powerful advocate for your Bear!!! She is certainly a well .loved and well cared for kitty❤
WOW!!! What a scary first couple of weeks!!!!! Hopefully the bulk of hurdles arr vehind uoh now!!
It does sound like a "pain reaction", as well as "anticipatory pain" reaction. As far as "anticipating", Bear is probably tired of all the initial prodding and poking prior and after surgery, that she growls just at the "thought" that maybe, somehow, someway, you are going to give her an ouch!!!
It does sound like, to some degree anyway, some of her out of rhe blue reaction mimics phantom pain . Of course, I'm not a Vet. Phantom pain is all about the brain firing off messages ro nerves that are no longer there. The nerve endings fire off pain signals until the brain figures out the nerves no longer go,to a limb (or shoulder, etc)..
Just curious, did your Bear have kidney or liver alarm bells go off when blood work was fone before surgery?
Kitty members can chime in on pain meds, etc, but usually Gabapentin stops that type of pain. Lots of knowledge from our kitty members about bupa (never can remember name/spelling), other meds, interactions, positives/negatives, etc. I do know that some days and dogs stay on low dose of pain meds long term.
And thanks fot sharing all the good tips for other kitty members just starting this journey😎
Sally and Alumni Happy Hannah and Merry Myrtle and Frankie too!
Happy Hannah had a glorious additional bonus time of over one yr & two months after amp for osteo! She made me laugh everyday! Joined April's Angels after send off meal of steak, ice cream, M&Ms & deer poop!
I'm sorry to hear your cat's recovery has been difficult. Thankfully she's improving.
It's quite normal for the scapula to be taken with the front leg as it was with my cat Mona. Initially my vet was only going to remove Mona's leg but the big city surgeons said the modern procedure is to also remove the scapula.
I have different information and experience on NSAIDS for cats and have had a number of cats take Metacam for Cats as an anti-inflammatory and pain relief. For Mona's recovery she was on Metacam and Buprenorphine. I think she acted a little crazy from the Buprenorphine as she would suddenly race around the house. I came to realize that the pain was better managed to give the meds 4 times a day rather than 3 times and to give the two meds at different times rather than at the same time.
I would think the surgery pain would be gone after two weeks so perhaps it is phantom limb pain. A number of cats here were prescribed Gabapentin (which Sally referred to). I also gave Mona hot and cost compresses on her surgical site and she seemed to enjoy them. After 1 month I took her in for chiropractic treatments and learned how to massage her. Mona loved the treatments and slept through them.
I'm so happy for you and Baby Bear that you found a vet to save her life.
Kerren and Tripawd Kitty Mona
Yep, Sally explained phantom pain pretty well. My guess is that's what it sounds like based on what you are describing. The pain is nerve-related, it doesn't have anything to do with the limb itself other than the fact that nerves were cut when it was removed. I would discuss this with your vet.
You may want to check out our interview with feline pain management expert Stephen Cital, it's super informative about NSAIDs and the newest thinking in feline pain management :
It's better to hop on three legs than to limp on four.™
Latest Tripawds News
Read my story here.
Great interview Rene! It's good to know about the advances in pain management for cats.
Thank you everyone for the great information!
My Baby never had any bloodwork done prior to the surgery. I was honestly taking her to the vet for the Stasis Breaker, and never had any intention of any type of surgery. The 2nd option Vet was so amazing the way she handled me. ~ Mind you I had no desire to nor could I eat and was crying for 4 days. She was incredibly compassionate and told me what I didn't want but needed to hear. She then went into the O.R. to ask the surgeon if he could work my Baby in the schedule that day…they took her back to surgery within 2 hrs and saved her life.
The reason I am very cautious of liver toxicity and kidney problems is a vet over medicated and killed one of our cats years ago.
Thank you for sharing that interview. I am excited over the possibility of breakthroughs in pain relievers for cats. I really loved his passion for his work! He did mention there was a 28 day study, (but he couldn't remember the exact number for sure), on the effects of Onsior. The studies that I found was on a 21, 42 & 6 mo studies. The research is disclosed on the package insert and also on drugs.com. On the 21 day study, what the scientists described as well tolerated I guess is subject to interpretation. Chronic intestinal nephritis, lower kidney weight, a large intestinal erosion, multifocal necrosis of one lobe in the liver and a large renal mass were only a few of the findings. (They 'terminated' the cats to see what the medication did to them.) This experiment was done on 6 cats. (2 in the control & 4 in the experimental group) Pretty grim findings considering only the 4 in the experimental group received the medication. Yes the cats did receive a higher dose of the medications, but Onsior was the ONLY medication they was given to those cats for those 21 days (3week) experiment. Most of our cats are given more than one medication to take. Onsior is a NSAID. While I am all for pain relievers when needed. (nobody should have to experience debilitating pain.) I think the pharmaceutical companies should be more transparent and not try to downplay their negative findings. Vets also need to let us know what the possible side effects could do to our pets by mixing or giving medications for too long of a duration. This way we can be aware of and can make informed decisions.
I completely agree on the poking and prodding playing a significant part in my Baby being stressed out. I didn't look at it from her perspective. We have had 2 emergency vet appointments since her surgery on 7/30…today is only 8/14. That's one a week and she's only 2 weeks post op! Lol. Then she has me who's always trying to get her to eat and drink…And then the phantom leg pain . Right there that's a huge ball of complete stress. Lol. Does anyone have any suggestions on how to help her get through her vulnerable scared state?
Kerren, how long after surgery did you start the compresses for Mona? Is there any tips that you suggest?
Thank you again everyone I really do appreciate your help, feedback and support.
Cindy ~ The Bear's mom
kazann said
Great interview Rene! It's good to know about the advances in pain management for cats.
Paw shucks, thank you so much. There's so much more to learn, feline pain control doesn't get the justice it deserves, but slowly it's changing.
It's better to hop on three legs than to limp on four.™
Latest Tripawds News
Read my story here.
Hi Cindy and Bear,
You have done excellent research on the medication! It's not easy because we need to go with what is available particularly for emergency and critical surgery such as an amputation. I'm in Canada and we have Metacam for Cats (Oral Suspension) and I don't believe it's available in the US. The Metacam in the US is only approved for dogs. I believe the difference in the Canadian product (also used in Europe and Australia) is that the concentration is much lower than the product for dogs (0.5 mg/mL for cats compared to 1.5 mg/mL for dogs). Mona was on it for about 7-10 days and on the opioid for 5 days.
I started the compresses when Mona came home after surgery. I used an ice pack wrapped in a towel for maybe up to 5 minutes and would use a hot damp facecloth to clean any guck off around the staples and would just drape it over her when it cooled to warm. After a couple of days, I'd take her to a patio door to look out and she would lie down on her surgical side on the cool tile. She made it clear that she liked a cool compress! Mona loves to be stroked, brushed and fussed over so she makes it easy.
The nursie types might be able to suggest a different regime.
By the way, the vet sent Mona home with canned kitten food which she devoured. It has high moisture content and is high in protein so was good for her during recovery but not for the long-term.
Emergencies probably set Bear back in healing. Are the stitches/staples out now? Is she off all medications now? I think when Mona had a couple of freak-outs it was due to the Buprenorphine. Mona has become a diva going to vet clinics or even cat kennels and is considered their best cat patient/guest. Yet at home, she stays away from guests. It's strange because she wasn't like that before the amputation.
After Mona healed, she did have a couple of strange body jerks and spins but they didn't occur after a few months. A physiotherapist said her spinning when getting up from the floor was likely related to proprioception which is the body's sense of knowing where the limbs are. Mona's body would spin not knowing the one leg was no longer there. She no longer spins.
Hugs to you and Bear,
Kerren and Tripawd Mona
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Title: The 5th Deck Podcast – S1E16 – Bounce back
Date: June 29, 2017
Original Source: The Athletic
Synopsis: In the latest edition of The 5th Deck Podcast, Israel Fehr, Eric Koreen, and I get the pulse of the Jays and talk about Roberto Osuna's brave coming forward about his mental well-being.
Host Blake Murphy is joined by Israel Fehr to get the pulse of the Jays and by Eric Koreen to discuss Roberto Osuna.
If you have any suggestions, requests, or feedback for the podcast in the coming weeks, feel free to reach out to @BlakeMurphyODC to share them. And i you have questions for a future episode, tweet us with the hashtag #5thDeck.
Check it out on Soundcloud or iTunes.


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The freight transportation industry is responsible for almost 12% of the U.S. GDP, employing millions of people across the country. The latest Freight Facts and Figures (2013) report from the Bureau of Transportation Statistics reports that by 2040, long-haul freight could increase to over 450 million miles per day. At the same time, a chronic labor shortage will become an acute problem as fewer truck drivers join a labor force where an average driver is 55 years old. In case you never find time to dig through government reports, today's post will highlight a few facts and figures shaping the future of transportation in the U.S (link to the report provided as well).
Truck Traffic to Grow Dramatically from 2011 to 2040
Growing Productivity But Problems Finding Workers
The transportation industry has made impressive gains in productivity as measured by output per hour worked over the last 10 years. During the period 1987-2011, freight trucking productivity grew 39% while line-haul railroading more than doubled. Looking ahead, however, it appears that productivity improvements are leveling out as a serious worker shortage continues.
Across the country thousands of trucking jobs go unfilled according to the American Trucking Association (ATA). The Bureau of Labor Statistics recently estimated that the average age of a truck driver is 55, and a survey performed by the National Institute for Occupational Health and Safety reported that truck drivers are twice as likely to be obese as the rest of the U.S. population and 88% of drivers surveyed reported at least one risk factor for chronic disease (e.g. smoking, high blood pressure, etc...). While trucking accounted for more than 30% of total warehouse and transportation employment, the small employment gains have not kept up with demand.
Shipper Strategies
The expanding demand expected in the upcoming years combined with the supply constraints in the form of driver shortages will continue to cause challenges for shippers. Price increases, dynamic pricing, density-based pricing, and other complications will continue to make it more difficult for shippers to accurately predict and manage the cost of freight. Good relationships with carriers and good integrated systems will certainly help, but it's our bet that the most successful shippers will work to adapt frequently as the business of shipping continues to change rapidly.
Get More Freight Facts and Figures
The Bureau of Transportation Statistics in U.S. Department of Transportation has a very detailed resource with many of the statistics and charts reviewed and analyzed in this posting and much, much more. For more information, visit their site at http://www.rita.dot.gov/bts/node/493771 or get a copy of the latest report here Freight Facts and Figures 2013.
Learn More About Pacejet


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Sacred Bath Salt (Maiden Goddess)
Product Details
We have created this Sacred Salt with the intention of enchanting the energy around you. As this Sacred Salt relieves you of self-doubt and negative self-thoughts, it begins to fill your spirit with compassion, beauty and feminine energy. The Maiden promises you new beginnings, youthful enthusiasm and expansion.
4 oz Jar
External Use Only


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June COUNT-UP Mania - USA & CANADA
Everybody LET'S PLAY COUNT UP!
COUNT-UP Mania Campaign is back!!
During the dates listed below, rank in one of these places in the NATIONAL RANKING of USA or Canada and win one of the prizes that will be given away!
Hit one of the mystery numbers randomly selected by DARTSLIVE USA and win one of these prizes as well!!
Win our GRAND PRIZE Scott Kirchner DMC "DRAKEN" Darts provided by Dart Brokers!!
You can also visit the website of Dart Brokers by clicking the image below.
How to join Campaign
◆ Campaign Game: COUNT-UP
◆ Players must possess a valid DARTSLIVE CARD
– Players' DARTSLIVE CARD must be in valid membership period, and not expired.
– Please note that if the membership period is expired, your game data will no be recorded
◆ Campaign Period: June 10th – June 29th, 2013 (until maintenance period)
◆COUNT-UP Ranking will be available for both USA and Canada, Weekly Ranking are scheduled to be updated.
◆Prize (*to be announced)
1st – ???
33rd – ???
66th – ???
88th -???
Win some of these exclusive autographed prizes provided by our USA SUPER DARTS competitors!
The rule is simple. If you are at the spot listed above, you'll win the prize.
So if there's a prize you want, make sure where you are on the official DARTSLIVE COUNT-UP Ranking of USA and Canada.
Ties in the NATIONAL RANKING list will result in a lucky draw between the people achieving the required score.
Winners will be announced in the first week of July.
Prizes will be sent out to the DARTSLIVE Operator of shop the score was achieved at in the first week of July.


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For those that love a drink, there is no better city to satisfy your thirst than Tokyo. All over Tokyo, you can find Foreigner Friendly bars, pubs and local izakaya's that will serve up anything from warm sake to the coldest of cocktails. There are a number of bar and clubs that cater to foreigners. Many bars in Tokyo are open all night if that's what keeps you going. Here is a list of Tokyo Popular Drinking Bars.
Foreigner Friendly Bars
These bars cater to everyone but you will always find a lot of foreigners and tourists here, as well as local Japanese.
The Hub
A British style bar with the best early happy hour in Tokyo that is available all day until 7:00pm. Location: All over Tokyo
A popular Irish style of bar that serves traditional style drinks and foods. Location: All over Tokyo
300 Yen Bar
There are a three 300 yen standing bars in the Ginza area. These are fun, lively and best of all cheap! Location: Ginza, Hibya Area
The Hobgoblin is a British bar that has locations in Roppongi and Shibuya and its popular when they show sporting events.
A popular bar in Shibuya and Roppongi that plays hip hop music and has the famous ¥300 Happy Hour every day until 10:00 pm. Thursday is famous for its ¥300 all day/night for drinks. Location: 21−7 Udagawacho, Shibuya, Tokyo Train Access: Shibuya Station, 1 min walk Google Maps
What The Dickens
What The Dickens is a British bar in Ebisu with live music, food and drinks. Location: 1-Chome-13-3 Ebisunishi, Shibuya, Tokyo Train Access: Ebisu Station, 3 min walk Google Maps
Popular standing bar in Shibuya with foreigners in Tokyo that has ¥400 drinks and large screen TVs showing the latest sporting events. Location: 33-14 Udagawacho, Shibuya, Tokyo Train Access: Shibuya Station, 5 min walk Google Maps
Thank You for visiting Tokyo Live news & entertainment. If you enjoyed our Tokyo Popular Drinking Bars page. Please take a look at Tokyo Night Clubs, Tokyo Standing Bars (Kaku Uchi) or Tokyo Horse Racing & Boat Racing Schedule pages.


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The Producers Are Coming 🏃💨
Get to know these producer-turned artists.
Amongst all of the new emerging artists and genres to come out in 2017, there has been a growing wave of a producer-artists to surface. This has been noticeable through-out the years but now more than ever, these hybrid musicians are making a name for themselves.
SoundsbyNova aka NOVA has been making music for many years. For as long as we know, NOVA has always been uploading music online. He first made a name for himself through YouTube, uploading 'Type Beats' for all to lay verses on. As the years went on, this following moved to Soundcloud where he continued to drop flames.
To this day, his production credits include; French Montana, Travis Scott, 6LACK, SmokePurpp, Lancey Foux, Hudson East.
NOVA the producer:
NOVA the artist:https://soundcloud.com/soundsbynova/diehard
Residing from United Kingdom, Wolverhampton, S-X has been on the UK music scene since his early teenage years. Now an adult, his music has definitely matured.
Most known for his 'Woo Riddim' that left an imprint on Grime music, his sound has developed into one that has always been hard to replicate despite sharing his knowledge on YouTube though his #FromScratch/#BehindTheBeat series.
To this day, his production credits include; Lil Wayne, Birdman, Blade Brown, Childish Gambino, Tinie Tempah, Skepta, CHIP, T.I.
Hear S-X the producer:
Hear S-X the artist:
Young Chop
He is one of the founding fathers of the Drill music scene in Chicago aka Chiraq, that grabbed the attention of the Hip Hop world back in 2012. Young Chop has produced some of the hardest sounding tracks in Hip Hop since first coming on the scene and subsequently helped put Drill music in the commercial world.
Now, Chop has transitioned into the limelight as an artist after years of producing for other big names.
To this day, his production credits include; Chief Keef, Kanye West, French Montana, Lil Durk, Big Sean, Tyga, Rick Ross, Rae Sremmurd, Ace Hood.
Young Chop the producer:
Young Chop the artist:


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GLEESOME THREESOME-- At the center of most of the action in Saturday night's Gridiron show, Where's Willie?, at the Al Chymia Shrine Temple were these gifted cabaret players: (l to r) Terry Reeves, here playing the Grizzlies' Pau Casol; James Harvey, doing his annual turn as Mayor Willie Herenton; and Dare Pugh as ambitious city council member Carol Chumney. Harvey, who recently finished an impressive second in a state Senate race, may be a mayoral candidate for real in 2007, but first he intends to run for the county commission. Pugh has no known political ambitions, but the character she played certainly does, and the lalvish attention Chumney got in Saturday night's annual satirical review, for better or for worse, amounted to a de facto launch of her own 2007 mayoral run. Proceeds from this year's event went, as usual, to fund journalism scholarships. (Longer review to follow.)
Want to respond? Send us an email here.


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Dear General Public,
Today is Bipolar Awareness Day, were you aware of that? No? Me either, and I have bipolar…
Anyway, the theme for this year's awareness day is "Bipolar & Me" so I thought I'd share a little of the reality of living with bipolar.
As an undiagnosed teen & in my early 20s I was irresponsible at best. I am ashamed of my behaviour when I look back on it now; I partied too hard and too often, I made poor decisions when it came to relationships, sex, life in general, in short, I was a mess. My mood went up and down through the day, not just over the course of a week, I had an incredibly short and uncontrollable temper, I was taken in to A&E with psychosis once and a few other times after suicide attempts. I was very ill.
I don't think people who knew me then would recognise me now, now I have been diagnosed and am being treated. I am far more responsible, I am more in control, I am more 'normal.' The medication has certainly helped manage my mood swings, it has made life easier for me, my temper is under control now, only very occasionally does the red mist descend.
That's not to say that it's plain sailing. It isn't. I still have mild hypomanic episodes, I still struggle with depression, I still battle the odd mixed state, but overall I am managing my illness much better.
I doubt I will ever recover, I do believe that, for me, it is a lifelong illness, but as the days go by I get stronger and stronger and better able to deal with it.
Thanks for reading,
Mrs T
Dear friends & family,
Thank you for standing by me, for looking after me, for helping me through and not abandoning me, even in the really bad days.
I know it must be really hard to deal with, and equally hard to see someone you care about suffer, but you are appreciated. Your support, love and care is so invaluable to me, it helps so much, just knowing that there are people there to catch me when I fall makes fighting on easier.
Thank you, I hope that you know how important you all are to me.
Lots of love,
Dear Psychiatrist,
Wow! I mean, wow! I know a lot gets lost in translation at our meetings, but you listen to me, you spend ages going through my notes, my charts, asking questions and allaying my fears. You allowed me to reduce my medication after listening to my reasoning for it, you support me and do your best by me and give my parents help and advice too.
Thank you for being there for me and making me feel like a person, it is such a different experience from what I had in the UK.
Thank you again,
A grateful patient.
Dear Me,
Keep fighting, you're doing great!


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December 31, 2006
Conducting the singing of the birthday song
I share a birthday with a young fella (Eddie) whose parents are smart enough to wait until after Christmas to celebrate proper. This helps maximize gift potential.
I learned a few things at the party:
- There are toilets that can flush 2 dozen golf balls.
- I should rent the High School Musical DVD
- Esther Price candies started in Dayton
- Nicki Fleming is the name of American Girl's 2007 Girl of the Year doll
Somewhere along the line Eddie runs up to me and asks if I want to take a photo of his butt. I knitted my brows and started to walk away and then I realized I'd just fallen for a classic kid joke. So yes, I took a picture of his butt - it is here.
Current music: Junior Boys "Birthday"
Filed in: Friends |
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Posted by: Rachel | Jan 1, 2007 8:39:34 PM
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The American Novel Since 1945
Yale,, Spring 2008 , Prof. Amy Hungerford
Added to favorite list
Updated On 02 Feb, 19
Yale,, Spring 2008 , Prof. Amy Hungerford
Added to favorite list
Updated On 02 Feb, 19
Introductions - Richard Wright, Black Boy - Flannery OConnor, Wise Blood - Vladimir Nabokov, Lolita - Guest Lecture by Andrew Goldstone - Jack Kerouac, On the Road - J. D. Salinger, Franny and Zooey - John Barth, Lost in the Funhouse - Thomas Pynchon, The Crying of Lot 49 - Toni Morrison, The Bluest Eye - Maxine Hong Kingston, The Woman Warrior - Marilynne Robinson, Housekeeping - Cormac McCarthy, Blood Meridian - Philip Roth, The Human Stain - Edward P. Jones, The Known World - Students Choice Novel: Jonathan Safran Foer, Everything is Illuminated
4.1 ( 11 )
Professor Hungerford situates Marilynne Robinsons novel Housekeeping (1980) in a tradition of American writing about the individuals relationship to nature that includes the powerful influences of the Bible, Herman Melville, and Ralph Waldo Emerson. The loss of identity that Emerson describes as becoming a "transparent eyeball" in the woods, Robinson brings into the realm of the home, the built environment. The individual voice and its guiding consciousness are all mixed up in the material substance of the world, giving them a concurrent fixity and fragility that it is Robinsons talent, and our challenge, to explore.
Sep 12, 2018
Excellent course helped me understand topic that i couldn't while attendinfg my college.
March 29, 2019
Great course. Thank you very much.


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JMB-GANIEF tariq
28 Feb 2016 - 09:30
GANIEF Tariq – a Blackburn Group student who has just completed his PhD, flew out to the Boris Macek Lab (PCT, University of Tubingen-Germany) in January 2016 to start a post-doc in neuro-proteomics and signalling. We wish him well and all the success in this endevour. His brother Naadir, an MSc student also with the Blackburn Group, will soon be following in his brother's footsteps.
Here he is last seen having X-mas breakfast December 2015 with Prof Blackburn and Dr da Cruz Soares.


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High and Low Gallery's (936 SE 34th Ave.) new show on First Friday November 3, 6 pm is Suspended Moments – an exhibition of artworks by Nathan Seay. The showcase of oil paintings and charcoal drawings document his experience living at a South Korean Buddhist temple. The show is up through Nov. 30.
After 6 weeks in the temple, the Abbot welcomed Seay for tea. "He embodied perfect concentration. It was as if nothing existed other than the teapot, the water, the cup. Once tea had been prepared, he then focused the same sincere attention to me. Living day-to-day and focusing on the task at hand freed me more than any idea ever could. "When walking, just walk. When listening, just listen. When painting, just paint," he said. There is nothing else, Just Tea." See nathanseay.com for more.


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Most Important Factors to Getting Approved for a Mortgage
Editorial Note: The content of this article is based on the author's opinions and recommendations alone. It may not have been previewed, commissioned or otherwise endorsed by any of our network partners.
Written By
Updated on Monday, February 5, 2018
When David Inglis and his wife decided to move to San Diego last year, they were expecting a relatively smooth process. They'd keep the house they owned in Los Angeles and rent it out as a source of passive income, then they'd buy a new house in San Diego. They even had a 20% down payment ready to go.
See Mortgage Rate Quotes for Your Home
By clicking "See Rates", you will be directed to LendingTree. Based on your creditworthiness, you may be matched with up to five different lenders in our partner network.
"The problem was that we found renters and had to get out of our current house and close on the new house within 21 days," Inglis, 40, a yacht broker, tells MagnifyMoney. That gave them just 21 days to get a mortgage — easier said than done. As Inglis put it: "Getting approved for a mortgage is a process, to say the least."
With what felt like a moment's notice, the couple had to gather up and submit everything from tax returns to current income statements, and do mountains of paperwork in between to get pre-qualified for a loan. From there, their lender picked through their credit scores, debt-to-income ratio, employment history — you name it. They closed on their new house in the nick of time at the end of 2017, and it was anything but a stress-free experience.
If you're new to the whole buying-a-house thing, locking down a mortgage loan isn't something that happens overnight. That's not to say it isn't worth it though. One recent Value Insured survey found that the vast majority of younger folks—a whopping 83%, in fact—still associate buying a home with the American dream.
At the starting line? There are a number of important factors that go into determining if a lender will approve you for a home loan. Here's everything you need to know.
Getting approved for a mortgage — 5 things lenders are looking for
Credit score
Remember: A mortgage is a type of loan. When you're applying for any type of financing, your credit score is perhaps the most important piece of the puzzle. This three-digit number essentially provides lenders with a general idea of your creditworthiness.
If you have accounts in collections or a history of making late payments, for example, you'll have a lower-than-average score, which directly affects your loan options. That means you could get hit with higher interest rates or bigger mortgage insurance premiums, or both.
"Your credit score is really important on conventional loans," John Moran, founder of TheHomeMortgagePro.com, tells MagnifyMoney. "Some other loan programs are less credit-sensitive."
For conventional home loans, Moran says your credit score has to be at least 620, but for FHA or VA loans, you may be able to get away with a score in the 500s. But it's not just about getting approved. The lower your score, the higher your mortgage rate will likely be — and that can add tens of thousands of dollars to the cost of your loan over time.
FICO, America's leading credit reporting agency, looks at several important factors when determining your score. Your payment history, amounts owed, and length of credit history are chief among them. If you're aiming for a home in the next year or two, you've got time to improve your credit if you start now.
Trust us — it'll be worth the effort. You can see below what estimated mortgage rate folks would get based on their credit score and how much it could cost them over time. For our purposes, we'll assume they're all getting a $250,000 30-year fixed rate loan.
Score Range
Monthly Payment
Total interest paid
Source: Calculated using the MyFico Loan Savings Calculator
You can find a detailed breakdown of your credit score by pulling up your credit report for free. Your report unpacks your credit history for lenders, so it's vital to know what's on it. This is crucial because you could end up spotting an error that's weighing your score down.
If your credit score could use some work, don't fret—there are plenty of ways to give it a good boost before buying a home. Establishing credit history, keeping your credit utilization ratio below 30%, and making consistent on-time payments are all on the list.
Debt vs. income
Your credit score goes hand in hand with your current debt load. Lenders specifically zero in on how your debt relates to your income. Together, this determines what's known as your debt-to-income ratio (DTI)..
To calculate out your DTI, it's fairly simple: Add up all your monthly debt obligations (not including your current housing payment unless you own the home and plan on keeping it), then divide that number by your gross monthly income. So if you pay, for example, $2,000 a month toward debt and you're grossing $4,500, your DTI comes in at about 44%.
What's a good DTI? Strive for 36% or less.
Fannie Mae, which sets the lending standards for the vast majority of mortgage loans, generally requires a maximum total DTI of no more than 36%. However, if the borrower meets certain credit and reserve requirements, they can generally get away with 45%.
Why? A high DTI is a red flag to lenders that you may not be able to afford a new monthly loan payment. In a lot of ways, it's more telling than your credit score.
"The only thing that really matters to lenders is how this new monthly payment and your other debts relate to your income," said Moran. "One of the quickest ways people can turn things around is by paying down revolving debts like credit cards and lines of credit, which increases your available credit and decreases your credit utilization ratio."
He adds that making a smaller down payment in order to pay down revolving debt might improve your chances of qualifying since doing so will boost your credit score relatively quickly. Knocking those balances down also lowers your monthly minimum payment, so you may be able to qualify for a larger loan. In other words, your DTI isn't the end-all-be-all when applying for a mortgage loan, but it's pretty important.
Down payment
Lenders also look at how much of a down payment you can make, which ties directly back into your debt-to-income ratio. According to Bob McLaughlin, director of residential mortgage at financial services company Bryn Mawr Trust, putting down a higher down payment makes you more likely to get approved since it essentially decreases the risk for the lender. As a result, better loan terms and interest rates will likely be on the table.
"If you have the ability to put 20% down, you also avoid having to pay private mortgage insurance, which makes it easier to qualify," he said.
Another perk is that you'll have more equity in your home as well as a lower monthly mortgage payment. But for many, saving for a 20% down payment is a serious barrier to homeownership. Not surprisingly, a 2016 report put out by the National Association of Realtors found that the average down payment for first-time homebuyers has fallen in the 6% range for the last few years. The good news is that according to Moran, you can still get approved with a lower down payment.
"You can put 0% down for VA loans, 3.5% for FHA loans and even as little as 3% for conventional loans," he said.
"There are people all the time buying homes with these minimum down payments, but it really all boils down to what you're comfortable with and the kind of monthly payment you can handle."
FHA and VA loans are usually the first low down-payment loans that come to mind, but options like personal loans and USDA loans may also be worth considering. Just keep in mind that taking this shortcut could potentially translate to a financial burden — low down payments typically necessitate higher insurance rates and extra fees to protect the lender.
That said, lenders are really looking at your big financial picture, not just your down payment size. If you're putting down less, but have a good score and a steady source of income, you're much more likely to get approved for a mortgage loan than someone with a lower score and/or spotty employment status.
Employment history
Our insiders say that your income and employment history are just as important as your credit score, DTI and down payment size. Again, it all comes down to lenders feeling confident that you can indeed repay your loan.
"You have to fit the underwriting guidelines per your profession, and there is little flexibility there," said McLaughlin.
Piggybacking on this insight, Moran says that the ideal situation is if you've worked for the same employer for two years and you're salaried. The second ideal way to get the green light is if you're an hourly worker who's been with the same company for at least two years.
But all this begs one obvious question: What about self-employed folks? The freelance economy is growing rapidly. According to the latest Freelancing in America survey conducted by Upwork and the Freelancers Union, these folks are predicted to make up the majority of the U.S. workforce within the next decade. Moran says that for these workers to qualify for a mortgage, they'll need to have a two-year work history.
Check out our guide on getting approved for a mortgage when you're self-employed.
"It's a little bit of a kiss of death to start self-employment right before applying for a home loan," he said.
"Most lenders won't approve you because they want to be sure you'll be able to afford your new loan payment. The only way to really prove you have a steady income is with two years' worth of tax returns."
In rare cases, Moran adds, you may be able to get away with one year, but it's not the norm. Things are different of course, for self-employed newbies who are applying with a spouse who works a steady 9-to-5, which could tip the scales in their favor. Again, it's all about the big picture. That said, a new salaried position will typically erase doubts stemming from a spotty employment history, as long as you have about two months' worth of pay stubs, according to McLaughlin.
Loan size
All the factors we're highlighting here are interwoven. The size of the loan you're applying for fits right in. The higher your loan amount, the higher your monthly payment, which impacts that all-important DTI.
This is why you may be more likely to get approved if you're seeking a lower amount. But whether you're looking for $100,000 or $400,000, it really boils down to how big of a monthly payment your budget can absorb. (LendingTree, which is the parent company of MagnifyMoney, has a Home Affordability Calculator that can help you figure this out.)
The general rule of thumb here is to keep your mortgage loan (including principal, interest, taxes, and insurance) at or below 28% of your total income. Moran has worked with ultra-conservative folks who like to keep that number at 25%, but he says it really varies from person to person.
"Some people like to travel and don't want to be house poor; others are homebodies and just really want a nice house because that's where they're going to spend their time," he said.
"It's all a trade-off, but either way, lenders will only pre-qualify you for what they think you can actually afford."
How to get preapproved for a mortgage
Pre-approval is a term you're likely to hear in the home-buying process. This is when the lender takes into account everything from your credit score and debts to employment history and down payment size to offer you a maximum loan amount.
When you come to the table with a pre-approved offer of lending from a bank, you're already way ahead of the competition. And this can really give you an edge. When you're living in a metro where most people are coming with double-digit down payments and pre-approvals to boot, you're competing with very attractive borrowers.
Pre-approvals will ding your credit score, but the hit won't be too bad if you complete several mortgage applications over a short time period, like 30 to 45 days. Multiple inquiries should only count as one hard inquiry on your credit report.
A good rule of thumb is to get mortgage quotes before you apply for pre-approval. You can get quotes quickly from different lenders at LendingTree by filling out a short online form.
Included in a pre-approval letter will be the estimated loan amount you might qualify for and your estimated mortgage rate.
The pre-approval process is also meant to prevent you from making offers on homes you can't afford. But this doesn't mean you have to actually take out a loan for the full amount. Many choose to get preapproved for their top number, then dial back during negotiations.
Final word
When it comes to mortgage approval factors, there are a lot of moving parts. Far and away, your credit score and debt-to-income ratio carry the most weight for potential lenders. From there, your ability to prove that you're steadily and reliably employed is equally important.
At the end of the day, all that really matters is that you're applying for a loan that you'll actually be able to repay hiccup-free. The larger your down payment, the better your odds—especially if it eliminates the need for PMI. Either way, it's probably in your best interest to meet with lenders before you start house hunting.
"You don't want to put the cart before the horse by going with a realtor to look at houses, only to fall in love with something you can't afford," added McLaughlin. "Your emotions can definitely make the mortgage application process more stressful, which is why it's best to go through the prequalification process first."


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The Conference of Interpreter Trainers
Transforming Interpreter Education
August 12-15, 2020 | Minneapolis, MN
Hotel Reservations
The Conference of Interpreter Trainers
2020 Biennial Conference
Thank you to everyone who submitted proposals. The time for receiving them is now closed.
The Conference of Interpreter Trainers is pleased to announce its upcoming conference, Vision 20/20: Transforming Interpreter Education, to be held August 12th to 15th in Minneapolis, MN. Recognizing the diversity of the communities we serve, we see this gathering as an opportunity for educators, researchers, practitioners, allies, and other stakeholders from a wide range of backgrounds to come together to share research and pedagogical practices pursuing diversity, equity, and inclusion in the field of interpreter education. As we look back on our past and forward toward our future, we invite you to join us in building a foundation for transforming our field for the next generation of interpreters and educators.
The CIT Biennial Conference is an essential professional development event for sign language interpreter educators and mentors. CIT was established in 1979, and has provided leadership and training in interpreter education since then. Presenters come from all over the world and volunteer to share their experience and expertise with attendees.
Deadline Extended to November 15
Based on feedback from people considering submitting proposals, CIT decided to extend the deadline for proposals until November 15, 2019.
Proposal Form
The proposal form is at the bottom of this page. Be sure to read through the information in the tabs below before filling out the form.
Proposal Overview
Interested individuals are invited to submit abstracts which reflect an approach to Interpreter Education, and the development of well-rounded interpreter practitioners and mentors that fits with the conference theme. The abstracts should be both video (in ASL or International Sign) and written (in English). The CIT 2020 Conference seeks to transform interpreter education through diverse perspectives and innovative approaches to teaching, research, and practice.
Proposers are encouraged to consider the theme of Vision 20/20: Transforming Interpreter Education. The target audience for the conference includes ASL and interpreter educators (all settings, e.g. academic, workshops, online, hybrid, face-to-face), mentors, supervisors, in-service trainers and researchers. Please refer to the suggested topics for your consideration.
Encouraging New Perspectives
We encourage presenters who are new to CIT as well as those with experiences that have not been integrated into interpreter education. The CIT Program, Editing, and Publication (PEP) team will be developing a process for supporting people who are new to presenting and publishing.
Click on the tabs above to learn more about the proposal process.


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I remember when this whole war started.
Thats such a cliché line, but Ill use it anyway, because I really do remember. How many people do you know can say that? I was there when it started, and I can sure as hell tell you Ill be there to see it end...
I was just fine living in my home. I didnt have a family or very many friends, but I liked it that way. The place I chose to stay was pretty open and you couldnt see anyone for miles. I guess now I know why.
I dont know how they knew where I was, or why they thought I was important, but they did. Four soldiers engulfed in red armour barged into my home and grabbed me before I could even react. They tore me from the place I had lived for decades and one of them started dragging me away. The other three had the one carrying me well defended, covering all sides from an attack as I quickly got pulled further and further from my place of residence. One called out to another, Spartan, cover that flank. Spartans I had heard about them but I hadnt ever seen one before They knew very well what they were doing and didnt even have time to slow down. It was all too swift for me to even figure out what half of the stuff around me happening was. Thankfully, the whole ordeal went past relatively quickly. The Spartans had stopped in an alleyway, and the three from before began to set up, still around the fourth, who had refused to let go of me at any point. I thought they had stopped to tell me who they were, or why they wanted me so badly, but they still completely ignored me, only occasionally calling out to each other warning them of dangers that might be coming. What dangers they were talking about? I didnt know, until the others showed up
Spartan down! Spartan down! One cried out as another plummeted to the ground, their body rag-dolling as they connected with the solid concrete beneath them. Their helmet had a giant hole in it, going straight through. It must have been one heavy-duty sniper rifle to get through all that in one go. The Spartan holding me ducked, forcing me down with him. I was only inches off the ground when I heard another two gunshots and another clunk which I could only assume was two dead bodies. The one holding me ran. It was faster than what should have been humanly possible, but here he was, doing it all while still firmly holding me and dragging me with him. He had leaped a few yards before his grip on me loosened. He suddenly landed on the ground sideways, sending me hurtling a few feet from where he had landed. He wasnt moving. I was so terrified and injured that I struggled to move, inching away from where I had just slammed into the ground at a gruelling pace. I had turned to see what happened and then I saw the danger the red Spartans were talking about. Just behind where the one carrying me had landed, four new Spartans emerged, only this time they were wearing all blue instead. They sprinted towards me at lightning speeds and another one of them swooped down to pick me up and continue dragging me along the painful path they were on. Now the roles had switched. I heard one of them call out to watch for the red troops as they came to a halt. It was happening again. The red Spartans came out of nowhere, easily taking out three of the blue Spartans before taking three casualties of their own. The last two charged at each other, colliding with such a thud, that it sent them both flying backwards, straight into the ground.
It went quiet. I was sitting there, broken and alone. No answers. No energy to move. Nothing.
I dont know how long it was quiet for, but eventually I heard footsteps again. More red Spartans had found me and were rushing right towards where I was laying on the ground
Why do they want me so badly? What could they possibly do with me? Im not useful to anyone Im only an Oddball


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Mike Erb
Twas Now
Canadian Roots Music
Biography - 2019
Husband and wife duo Mike & Diana Erb perform a blend of traditional and original country / roots music with a vintage acoustic sound and honey-sweet vocal harmonies, paying homage to the music of The Carter Family, Louvin Brothers, Hank Williams, and the greats of days gone by.
Twas Now's debut album "Old Fashioned Way" was nominated for a Canadian Folk Music Award 2018 in the in the Traditional Singer category. "Old Fashioned Way" was recorded at The Drive Shed Studio with Juno award winning engineer / producer John (Beetle) Bailey. The album features some of Canada's most highly regarded country musicians including: Shane Guse (Western Swing Authority, Dean Brody), Matthew Lima (Western Swing Authority), Steve Wood (Shannon Lyon).
Twas Now continues to deliver a high calibre performance, showcasing exceptional musicianship through their pure vocal harmonies and authentic guitar-stylings. They anticipate the release of their sophomore album - a collection of original songs in the roots / folk tradition - in Spring 2019.


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2015 Chevrolet SS Overview
Chevy made dreams come true when it reintroduced the SS name to its lineup for 2014. For 2015, the SS is even badder than before.
[wptab name="What's New"]
What's New for the 2015 Chevrolet SS
The 2015 Chevrolet SS is back and better than ever with new colors, brakes, technology, and more! Exterior colors added to the pallet include Perfect Blue, Some Like it Hot Red, Alchemy Purple, Jungle Green, and Regal Peacock Green. Brembo rear brakes join the standard Brembo front brakes. Magnetic Ride Control now comes standard while a six-speed manual transmission is a new available option. OnStar 4G LTE with built-in Wifi hotspot also joins the technology ranks.
[wptab name="Exterior"]
2015 Chevrolet SS Exterior
A high performance four-door sedan, the 2015 Chevrolet SS is just as hot on the outside as it is under the hood. From the aggressive front fascia to the tapered rear end that manages airflow to the bright dual-exhaust tips, heads will be turning in your direction. The SS sport sedan isn't just a name though.
[wptab name="Performance"]
2015 Chevrolet SS Performance
Clocking in from 0 to 60 mph in just 4.7 seconds, the 2015 Chevrolet SS is a powerhouse. The 6.2-liter V8 engine pumps out 415 horsepower and maintains traction with StabiliTrak. You're in total control behind the wheel with Brembo brakes for hard stops, Sport-tuned suspension for the road, and Electric Power Steering for an immediate response.
[wptab name="Efficiency"]
2015 Chevrolet SS Efficiency
The 2015 Chevrolet SS isn't just a nameplate and its fuel efficiency reflects that. With the standard six-speed automatic transmission tapping in at an EPA-estimated 14 city/21 hwy mpg, you'll be spending a little more at the pump. The six-speed manual transmission isn't much better at an EPA-estimated 15 city/21 hwy mpg. The good news is that fuel efficiency won't leave you stopping for gas. The 18.8 gallon tank can ensure you'll stay on the road for a good while.
[wptab name="Interior"]
2015 Chevrolet SS Interior
The 2015 Chevrolet SS interior combines infotainment, climate, and all other controls into a single place. With everything in one place, there are fewer distractions that can take place at high speeds. Designed to reduce noise and vibration, you won't even remember the V8 engine is roaring right in front of you – until you push on the gas.
[wptab name="Safety"]
2015 Chevrolet SS Safety
With a sport sedan like the 2015 Chevrolet SS, you can never be too careful. Rear Cross Traffic Alert, Side Blind Zone Alert, Lane Departure Warning, and Forward Collision Alert are all there to help prevent an accident. StabiliTrak will keep you on course at all times by using the brakes and adjusting torque. Eight airbags come standard. If you do happen to crash, OnStar receives information and can send help to your location, even if you can't respond.
The News Wheel is a digital auto magazine providing readers with a fresh perspective on the latest car news. We're located in the heart of America (Dayton, Ohio) and our goal is to deliver an entertaining and informative perspective on what's trending in the automotive world. See more articles from The News Wheel.


text:
Nancy Goodson
Phone: 850-205-0660
Email: firstname.lastname@example.com
Nancy is a native of Miami but fondly calls Tallahassee her home. She started her club career at Capital City Country Club and later joined the Governors Club in 1984. She has held numerous positions in the Club including Accounts Receivable Clerk, Membership Director and Catering Director. Nancy has served as our Club Controller for over 30 years and is warmly considered 'Club Matriarch'.


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Welcome to our web page for the proposed development at Land South of the Street, Mortimer.
Latest News
An outline planning application for the Land to the South of St. Johns Church of England School (also known as MOR006 and referred to as "The Site" in the Adopted Neighbourhood Plan) has been submitted by Pro Vision on behalf of T A Fisher to West Berkshire Council. The application comprises two parts:
Part 1 - the erection of 110 dwellings including affordable housing, public open space and associated landscaping with all matters reserved other than access and layout; and
Part 2 - the erection of a 3FE Infant School and 900sqm GP surgery (Use Class D1) with shared parking area with all matters reserved other than access.
The outline application proposes in summary:
- Approximately 4.3ha of land for residential use;
- Provision of 110 dwellings at a net average density of 26dph with parking provision and amenity space;
- Two Local Areas of Play (LAPs);
- 1ha of land set aside to enable provision of a 3FE infant school and 900sqm GP surgery with shared drop-off / parking area;
- 3ha of new public open space incorporating leisure trail; and
- A 20m landscape buffer comprising a mix of shrub and woodland planting.
"What is an outline application?"
An outline application seeks to establish the principle of development on the site. This means the Council will consider whether the development is in accordance with the Adopted Neighbourhood Plan and other West Berkshire Council planning policy documents. The Council will also need to consider whether the amount of development proposed can be accommodated on the site. For further information, see the Governments guidance here: https://www.gov.uk/guidance/making-an-application#outline-planning-permission
As part of an outline application, the Council can be asked to consider detailed matters relating to "access", "layout", "scale", "appearance" and "landscaping". These are known as the Reserved Matters.
At this stage, the Council is asked to consider the means of "access" to the site as a whole, and the "layout" of the residential part of the proposal. The submitted layout for the residential development does provide an indication of how the school and surgery part of the development could be provided and further illustrative information related to the "scale", "appearance" and "landscaping" are provided within the Design and Access Statement.
Together with the Design and Access statement, the following documents have been submitted with the Outline application to the Council for consideration:
- Site Location Plan (Drawing no. 2095/P01 Rev A)
- Site Layout Plan (Drawing nos. 2095/P02 Rev C and 2095/P03 Rev F)
- Existing and Proposed Indicative Site Sections (Drawing nos. 2095/P04 and 2095/P05)
- Proposed Access (Drawing no. 5427.001 Rev B)
- Topographical Survey (Drawing no. M-1.DWG)
- Site Design Brief Revision
- Transport Assessment
- Travel Plan
- Landscape and Visual Impact Assessment
- Landscape Strategy and Typical Planting Plan
- Arboricultural Impact Assessment
- Ecological Assessment
- Flood Risk Assessment and Drainage Strategy
- Utilities Assessment
- Groundsure screening report
- Desk-top Study
- Statement of Community Involvement
The application has been registered by West Berkshire Council and given reference no. 17/03004/OUTMAJ. The application is being considered by Mr Simon Till, a Planning Officer at the Council. The Council has indicated that it expects to make a decision on the application by 8 February 2018. The application documents can be viewed here on the Council's website: http://planning.westberks.gov.uk/rpp/index.asp?caseref=17/03004/OUTMAJ
Previous updates:
The Stratfield Mortimer Neighbourhood Plan
The Stratfield Mortimer Neighbourhood Plan was adopted as part of the Development Plan for West Berkshire District Council on 22 June 2017. The Neighbourhood Plan allocates the site known as "Land to the south of St. John's Church of England School, off The Street (site ref MOR006)" for development. The site is allocated to meet the housing requirement for 110 units in Mortimer up to 2026, and is also required to provide a larger site for the existing St Johns Infant School to relocate to, and land for a new Doctor's Surgery. Policies SDB1 – SDB4 of the Neighbourhood Plan establish design parameters for The Site and require a detailed design brief to be prepared by the developer.
The Site Design Brief
In March 2017, a Site Design Brief was submitted to the Parish Council for consideration. Click here for the original Brief. (please be patient as the file may take a few minutes to download).
On Wednesday 26 April 2017, we held a public exhibition and invited local residents to come and view our proposals and provide feedback. Click here for a copy of the exhibition boards.
On 1 June 2017, a meeting took place between Members of the Parish Council and Neighbourhood Planning Group and the developer to discuss feedback on the Site Design Brief. Following this meeting, the Site Design Brief was revised and an updated version was submitted on 28 June 2017 to the Parish Council and Neighbourhood Planning Group. That Site Design Brief was considered at a public meeting on 13 July 2017 and feedback was provided. A further revision to the Site Design Brief was undertaken and Revision B was submitted to the Neighbourhood Planning Group on 9 August 2017. Following further discussions with the Neighbourhood Planning Group, an amended Site Design Brief was submitted to the Parish Council on 4 October 2017. Click on the image to download the amended Site Design Brief or alternatively click here.
Current Proposal
We are working towards submission of an outline planning application for development on this site. The application will include:
- The erection of 110 dwellings – 66 Open Market homes and 44 Affordable Homes;
- Provision of 1ha of land sufficient for a 3FE Infant School and GP Surgery with shared parking area;
- Provision of at least 3ha of public open space and associated landscaping;
- Provision of sustainable drainage measures;
- Vehicle access off The Street via the Tower House and Fairwinds site with a shared pedestrian / cycleway to The Street.
Click on the image to download the illustrative layout drawing or alternatively click here
How can I find out more?
We have produced a list of Frequently Asked Questions which can be viewed here.
For information about our previous consultation events please follow the link below.


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1006 pages. I don't know if this is the longest book I have ever read (not counting audio books) – it could be "Shantaram" or this one. Either ways, I did it! :) Read mostly on my Kindle, over the past month or two, phew!
What an amazing book! The ending was a bit of a letdown – I didn't get a proper resolution as I hoped for – but the journey was well worth it! Susanna Clarke has such fine mastery on the language and story telling. Truly a marvelous mind if it can imagine something like this and put it down in words.
Update: Saw the TV show after completing the book. Was good. Changed the book in some parts where it made sense. Disappointed by the ending (which was similar to the book) and also in that it seemed to downplay Jonathan Strange a bit. Oh well …
Jonathan Strange & Mr Norrell – complete! by rakhesh is licensed under a Creative Commons Attribution 4.0 International License.


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Etisalat Academy, the arm of Etisalat Group that provides telecoms training in the Middle East, has signed a memorandum of understanding with Chinese vendor Huawei to introduce certified LTE programs in the region.
The aim of the program is to develop certified LTE professionals. The program will provide strategic and technical knowhow of the challenges faced in product areas of LTE for Etisalat and other operators in the Middle East.
"The signing of this agreement to deliver a certification in the leading-edge telecoms technology is exciting," said Brennan. "This means that industry professionals can have access to the full spectrum of knowledge and skill on LTE and together with their organisations, be positioned to utilise the latest development on the technology curve. Etisalat Academy is delighted to achieve this outcome with our partner, Huawei, a global leading telecoms vendor."
Wang said: "By developing programs tailored to suit the requirements and strengths of both organizations, this latest MoU will also set the foundation for supporting many more initiatives to come within the LTE space."
The LTE Certification program consists of two stages: LTE-Associate and LTE-Professional. The 5 days LTE-Associate program offers insights into the main concepts and principles of LTE radio, transport, core networks and associated technologies.
The 10 days LTE-Professional course focuses on LTE network planning and analysis used in the dimensioning, optimisation diagnosis and fault locating. Both programs comprises of training and a certification exam.
The programs are based on the Huawei LTE platform and practical aspects include hands-on training on Huawei tools and equipment.
The Global Mobile Suppliers Association (GSA) confirms that 174 firm commercial LTE network deployments are in progress or planned in 64 countries, including 28 networks that have been commercially launched. A further 63 operators in 21 additional countries are engaged in LTE technology trials, tests or studies.


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ok, i have a built smallport, with ae111 ITB's, 272 cams, hi-comp pistons, fully balanced etc.
because i have done a fair bit myself and work done by very good mates it was a lot cheaper (in fact it cost the same as the recondition and mild work i had done originally at reputable engine builder). it will make 100kw possibly a little bit more than that when tuned, no problem.
i know ant kellam has got 100rwkw from a internally standard silvertop engine, with some cams and decent zorst.
so a internally standard blacktop will make the power you want. if you build the blacktop it will not be cheap. do not expect much change from about $7-8k.
advantage of building the motors is, its a brand new motor, with oversized pistons and hi-comp you get a much better torque spread, you will also get a much larger power band IE 3000-9000rpm usually.
what do you want to do? track warrior? george st crusier? touge champion? drift car?
once you know what you want, it will make it much easier to work out what you want to do with your engine.
its no good have a major N/A engine and some chopped king springs, and fucked up supension..


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text: Like the plasticized patients that parade through its narrative, AMERICAN MARY (2012), the sophomore effort of twin-sister filmmaking team Jen and Sylvia Soska (DEAD HOOKER IN A TRUNK), is an amalgam of various parts, weaving together body-horror, rape-revenge, and a dash of romance with surgical thread. The result is a picture that is certainly one of the more lovelier looking contemporary horror films that I've seen in some time. The colorful cinematography and musical selections play on the inherent beauty of everything from operating rooms to strip clubs. The Soskas prove that they're no slouches in the storytelling department either; the scene of Katharine Isabelle waking up, post-rape, and tearfully assessing herself and her surroundings aches with an overwhelming sense of hopelessness. Though the film starts to show its scars upon review, one of the strongest elements is the subdued love developing between Isabelle and handsome–if not wholly compelling–Antonio Cupo. The twisted nature of their relationship–the closer they get to each other, the more mistakes they make–could have served as the basis of an entire movie by itself.