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Conjugal Visit - Jailhouse Brewing Company
Displayed for educational use only; do not reuse. |
Ratings: 24 | Reviews: 15 | Show All Ratings:
4.1/5 rDev +10.2%
look: 4 | smell: 4.5 | taste: 4 | feel: 4 | overall: 4
The Conjugal Visit is the burgeoning breweries newest offering, and since it was an amber; I was intrigued. The amber category is currently my favorite, as you well know, and since Jailhouse has proved their worth with the Slammer Wheat, I was hoping to add another Jailhouse to my list of favorites. As I opened the beer and took that first telling whiff, I was entranced. I don't want this to be taken the wrong way, but this beer drinks like a homebrew. That is not to say it is bad, it is quite good, but has the unpredictable twists and turns of a homebrew; someone who wants to challenge the style. The beer is perhaps a tad lighter than Laughing Skull, with similar hop levels and malt sweetness. However, the malt is not standard to the style. The maltiness is caramely, but tangy as well.
Serving type: bottle
06-27-2012 15:49:14 | More by Dudeletter
4/5 rDev +7.5%
look: 4 | smell: 4 | taste: 4 | feel: 4 | overall: 4
Poured into a pint glass, aggressive pour yielded a 2 finger head. Nice copper/ dark red color. Good amount of lacing.
You can smell the malt, a little caramel and the hops throw in a slight floral scent.
Up front malt flavor balanced well with the hops in the finish.
Well carbonated, medium mouthfeel.
Overall a very drinkable, very solid red ale.
Serving type: bottle
09-05-2011 17:36:54 | More by busterwhite
New York
3.95/5 rDev +6.2%
look: 4 | smell: 4 | taste: 4 | feel: 3.5 | overall: 4
Bottled in 2011, opened in Sep 2012.
A - Nice cranberry ice tea body. Great bone white head with nice lace and great retention.
S - Sweet cranberry cocktail, caramel malt, toasted almond.
T - Wow, this is actually surprisingly good. Deep caramel, smooth grape concentrate, edge of herbal bitter hops, pumpernickel bread.
M - Smooth, medium-full frame.
O - A robust red with a solid flavor profile.
Serving type: bottle
10-20-2012 02:49:21 | More by vfgccp
3.85/5 rDev +3.5%
look: 4 | smell: 3.5 | taste: 4 | feel: 3.5 | overall: 4
22oz bomber.
Pours a nice deep copper with a creamy beige head that sticks stubbornly to the sides and leaves great lacing.
Aroma is a mixture of citrus and herbal hops, which are definitely the most prominent feature. The other main characteristic is the roasted caramel malts which have little sweetness to offer.
The taste may offer a tad more sweetness up front with hints of caramel coming through but it's quickly swept away by the bitterness of the hop profile which doesn't bring a ton of flavor, but does leave an astringent roasty finish.
Mouthfeel is medium bodied but seems a tad thin and has soft carbonation.
I've been largely impressed by Jailhouse stuff thus far and this is no exception though I would rate this toward the bottom of the portfolio. That's more a compliment of the other beers than a condemnation of this beer, which is a little too bitter and lacks the malty body that I like to back up the hops.
Serving type: bottle
08-03-2011 02:21:12 | More by gford217
3.8/5 rDev +2.2%
look: 3.5 | smell: 4 | taste: 3.5 | feel: 4.5 | overall: 4
Bottle purchased from Green's on Ponce in Atlanta.
Pours a dark brownish-amber color with a tan head that leaves solid lacing.
Smells of rich caramel malts with good amounts of toastiness. Also present are slight amounts of medium fruits and leafy and herbal hops.
Tastes similar to how it smells, though more one-dimensional. Moderately sweet caramel malts with heavy toasted malt flavors up front are joined quickly by slight medium fruits. Midway through mild amounts of leafy and earthy hops come into play, fading out into a mildly bitter ending. Mouthfeel is very good, with grainy carbonation.
Overall this was probably my least favorite of the one-offs from Jailhouse, I would have liked more emphasis on the hops and lighter malt influence. Still, a solid beer that's worth a shot.
Serving type: bottle
08-24-2011 01:53:17 | More by glid02
3.78/5 rDev +1.6%
look: 3.5 | smell: 4 | taste: 4 | feel: 3 | overall: 3.5
22 ounce bottle - $8.49 at Olde Crabapple Bottle Shoppe in Alpharetta, Georgia. Hopefully, each of these subsequent future one-offs won't see the incremental price boost of the releases so far.
Appearance: Pours an opaque, amber-brown body with a tall, sudsy, ecru head.
Smell: Malty aroma, both bready and toasty and with some slightly sweetish, nutty butterscotch notes on the perimeter. Grassy, lightly citrusy hops.
Taste: Bready, deeply toasty malts with just a sliver of roast to start things off. Modestly sweet. Earthy, citrusy hops with a punchy though not overbearing bitterness. A bit of growing grassiness as it beings to warm up a tad. Also some more nuttiness and a hint of diacetyl showing as it goes along. Drying, earthy finish with some bitterness enduring into the aftertaste.
Mouthfeel: Medium-bodied. Medium carbonation.
Overall: It's decent enough, both amply hoppy and malty (though not particularly sweet). I'm not so certain it's nearly nine bucks decent, but still.
Serving type: bottle
09-12-2011 18:29:25 | More by ChainGangGuy
3.75/5 rDev +0.8%
look: 4 | smell: 3.5 | taste: 4 | feel: 3.5 | overall: 3.5
Comes out of the bottle a deep, somewhat coppery reddish brown with a thick and frothy pale tan head. Malty aroma has an earthy, yeasty overtone and just a touch of spice. Earthy flavor is quite satisfying with malty, nutty and caramel tones and just a whisper of cloves. Texture is smooth, a bit dirty (how else can I describe it?), and only a little fizzy but still pleasing. Overall, a good, if not great, ale that is worthy of at least a try - and probably downing the whole serving. Keep up the good work, JailHouse, and may you soon make lots of beer lovers your prisoners! ;)
Serving type: bottle
09-02-2011 03:59:11 | More by Cyberkedi
3.73/5 rDev +0.3%
look: 3.5 | smell: 3.5 | taste: 4 | feel: 3.5 | overall: 3.5
a: medium brown body with some amber highlights. quarter inch of tan head fizzed out quickly to just some spotty foam on top.
s: malt, dark sweet fruit and a little pine.
t: big malt flavor with a touch of roastieness. sweet fruit sugars and a pine hop finish.
m: body seems a little thin and watery at first. goes down slick with a oily feel and a long bitter finish.
o: decent enough of a red if you like alot of malts. nothing real exciting about it, but it's not bad either.
Serving type: bottle
12-23-2011 01:45:57 | More by match1112
3.7/5 rDev -0.5%
look: 4.5 | smell: 3.5 | taste: 3.5 | feel: 4 | overall: 4
Got this as an extra from Grant. Thanks homey. Poured into a tulip. Pours dark amber with about an inch of creamy beige head. Leaves a ton of sticky lace.
Powder cocoa in the aroma with some hints of citrus orange zest. Pretty unique on the aroma; a lot more malts than I would have imagined in the aroma. Toasty malts on the pallet with hints of cocoa with a nice bitter hop finish.
Nice medium body here with good carbonation. Overall this one isn't bad. Glad to have tried it; so far I've enjoyed everything I've had from Jailhouse.
Serving type: bottle
11-23-2011 03:03:01 | More by Bendurgin
3.65/5 rDev -1.9%
look: 3.5 | smell: 3.5 | taste: 3.5 | feel: 4 | overall: 4
On tap at the North River Tavern someplace in the untamed wilds of suburban Atlanta. We stumbled on a place that was giving away free glasses with a pint of Jailhouse, & I only have 173 glasses, so hey! It's fate!
The waitress says this is "some kind of IPA" so I'm surprised when it arrives, & even more surprised when I find it's an amber: it's dark brown, trending into nighttime. Smells pretty nice, all hoppy & biscuity. Mmmmm, biscuits. Why can't Minnesota make biscuits like they have in Atlanta? Damn delicious.
Conjugal Visit isn't as much fun as the name implies, well, I mean, for the visitor, maybe. Huge toasty malts that lends it an almost porter-like edge, but there's a lively hop chop. More biscuits, grain, & it's the bitterness that really sticks with you. Goes down smooth.
Blind taste test as this was, I thought it was a dark IPA, but what do I know? Nice intro to a new brewery, picked up a bottle of the stout to take home with me. Good beer.
Serving type: on-tap
08-23-2012 22:08:45 | More by maximum12
3.63/5 rDev -2.4%
look: 4 | smell: 4 | taste: 3.5 | feel: 3.5 | overall: 3.5
Conjugal Visit is brewed in the style of a Red Ale. No bottle date or information. Summer seasonal limited release from JailHouse Brewing Company.
Poured from a 22 oz. bomber to a pint glass. Served north of 50º Fahrenheit
(Appearance) Pours a thick, creamy off-white head over a deep copper orange body, deep medium in tone. Head retention is pretty solid, lacing is light but streaked. Nice appearance. 4
(Smell) Aroma contains biscuity caramel malts, earthy, citrusy and spicy hops, a touch of booziness. Potency is high. Aroma is mostly clean, some mild grain alcohol. Pleasing aroma. 4
(Taste) Bready , biscuity caramel malts, a note of toffee and diacetyl. Balance is moderately sweet, Malt-forward and a spicy, resiny hop profile. Very malt-forward and much less hop character. 3.5
(Mouthfeel) Smooth, creamy with a very mild carbonation presence. Body is medium for a red ale, medium overall. A mild/medium alcohol presence with a touch of grain alcohol. 3.5
(Overall) The aroma and appearance are really pleasing in this beer, and the flavor and mouthfeel, while falling a bit short of the rest do manage a generally tasty concoction. 3.5
Jailhouse Brewing Company's
Conjugal Visit Red Ale
Serving type: bottle
02-25-2013 06:04:11 | More by Jadjunk
3.53/5 rDev -5.1%
look: 4 | smell: 3.5 | taste: 3.5 | feel: 3.5 | overall: 3.5
A nice pour on this beer, with a dark orange/garnet color and a fine head that settles to a thin head. It does leave some sloppy lacing as well. I'm not as huge red ale fan, but the ones I like are either heavily malted, approaching a scotch ale in flavors, or heavily hopped where the big hope play off some firm malt. This is neither, the hops are too slight and a bit too grassy for my taste, but there is a lingering bitterness that seems a little out of place without the more forward hop flavors. The malt is also lacking a bit and could definitely use a boost. I've really enjoyed the other offerings from this brewery, but this one is a miss for me.
Serving type: bottle
08-13-2011 19:43:09 | More by Georgiabeer
3.53/5 rDev -5.1%
look: 4 | smell: 3.5 | taste: 3.5 | feel: 3.5 | overall: 3.5
Big thanks to Bhalter8 for providing this. Long time fantastic trading partner.
The head is tight with a light pinkish/rust colored hue. Collapses and becomes more creamy. The beer is a deep amber color with tons of garnet tones. Looks like a barleywine actually. Lace clings all inside the glass.
Aroma is thick and rich. Malty with some dark fruit and perhaps a touch of prune.
Ok, this is a straight forward malty red. Initial bitterness that appears to be from roasted malt gives way to a moment of fruit and then a dark caramel flavor. The lingering bitterness comes in after a pause. Very interesting. Quite a delay.
Fairly thick body. smooth
It's a decent little red but not something I would chase. As always, very glad to have had the opportunity to try it.
Serving type: bottle
10-27-2011 22:55:19 | More by Reagan1984
3.35/5 rDev -9.9%
look: 4 | smell: 3.5 | taste: 3 | feel: 4 | overall: 3.5
A - A cloudy, sediment filled brown-red, with no clarity. 1 finger of head, and sticky glass left all over the glass.
S - Prunes and sugar. Not too sweet
T - Caramel, sweetness, high malt backbone.
M - medium to light bodied. light carbonation.
O - A good red. Looking forward to what Jailhouse can produce in the future
Serving type: bottle
12-22-2012 05:10:22 | More by BeerDawgs
3.3/5 rDev -11.3%
look: 4 | smell: 3.5 | taste: 3 | feel: 3.5 | overall: 3.5
Poured a deep reddish, almost brown that produced a nice oatmeal color thick head that was well retained that settled into a thin cap and left some lacing. The best part of the beer.
Mostly a thick malty aroma with a hint of pine hops.
The taste is pure malty sweetness with a bitter aftertaste. I guess that I expected more from the taste of the beer than I got. I didn't find it complex or at least interesting in any way.
Medium body, smooth, but sticky and pretty enjoyable. Overall, a decent beer, but one that I will only buy or drink again sparingly.
Serving type: bottle
12-12-2011 18:07:11 | More by PhillyStyle
3.21/5 rDev -13.7%
look: 3 | smell: 3.25 | taste: 3.25 | feel: 3 | overall: 3.25
A: Turbid brown body with a creamy voluminous tan head. Excellent head retention and sticky lace.
S: Caramel, toffee and lightly floral nose.
T: Sweet malt flavors are balanced by a slightly bitter hoppy finish.
M: Smooth and balanced.
O: Tasty brew.
Serving type: bottle
03-14-2014 01:14:00 | More by Paincane
Conjugal Visit from Jailhouse Brewing Company
out of 100
based on 24 ratings.


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There is already a price drop. On Amazon, it's 40 bucks new and 29 bucks used.
I went through A LOT of trouble just to play this game... that's for sure. Delayed Amazon shipping. Game didn't work, returned it, had to buy a new Xbox... ugh.
The game itself was fun. It got repetitive fast. I had to limit myself to 1-2 cases per day. I didn't really mind the ending (don't wanna spoil it here). Just disappointed at the lack of replay value if you know what I mean.

subset: commoncrawl


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All the Queen's Men A Bouquet of Babies Burn Cry No More Death Angel Drop Dead Gorgeous Dying to Please A Game of Chance Killing Time Kiss Me While I Sleep Mr Perfect Now You See Her Open Season Strangers of the Night To Die For Under the Boardwalk Up Close and Dangerous
A Bouquet of Babies
Cry No More
Death Angel
Drop Dead Gorgeous
Dying to Please
A Game of Chance
Killing Time
Kiss Me While I Sleep
Mr Perfect
Now You See Her
Open Season
Strangers of the Night
To Die For
Under the Boardwalk
Up Close and Dangerous
Ice, on the other hand is a short (198 pages of really big print), simplistic story with relatively underdeveloped characters, a modicum of suspense, and predictable almost saccharine ending. This reader, at least, would have wanted a great deal more, especially if she had shelled out $22.00 for the book (which fortunately I didn't, so I'm just bemused rather than mad.)
The slender plot of Ice centers on the dangers faced by the heroine and hero, both from evil villains and mother nature. Gabriel McQueen, son of the local sheriff of Wilson Creek, Maine, has just arrived home on Christmas leave to visit his parents and his seven-year old son. He is greeted with the news that a major ice storm is about to hit the area and before he can settle in, his father wants him to head out to the Helton home and make sure that Lolly Helton gets off the mountain safely. Gabe remembers Lolly well; she was the stuck-up mayor's daughter whom he regularly teased and who gave as good as she got. But duty calls so off he goes.
Lolly learns about the oncoming ice storm while at the town grocery. No fool, Lolly accepts the grocer's invitation to stay in town. She heads back up the mountain to pick up what she needs before the storm hits. Unfortunately, at the store, Lolly attracts the attention of two meth heads who were planning to rob the store for drug money. Instead they decide to follow Lolly home had steal from her.
Niki and Darwin are pretty nasty characters and they have guns. Only Niki's jealousy saves Lolly from rape and only her promise to take them to the bank the next day to get money saves her life. No fool, Lolly makes plans to escape out the window of her room when Gabe appears. Since the villains have guns, Gabe and Lolly have no choice but to flee into the worsening weather, with the bad guys on their tail. Thus they must struggle against both the elements and the villains.
Howard has used the "hero and heroine struggle against nature" quite frequently. Likewise, the flight from dangerous villains is a familiar Howard plot device. These are sure ways to break down the inhibitions and barriers between the characters. That Lolly and Gabe have a history makes the story's ending plausible.
But getting to that ending is the disappointing part of the book. It is all so predictable, so typical, so uninvolving. I have always admired writers of romantic suspense because they face such a daunting challenge: to maintain the reader's interest when she knows that it's all going to work out fine in the end. Dream Man and many, many other of Howards' books met this challenge. Ice doesn't.
Perhaps the brevity and simplistic nature of Ice reflect the trend away from complex books that has occurred over the past decade or so. But this latest Howard takes this development to a new high (or low.) There really isn't enough here to justify charging or paying hardback prices. So if you want to read a good Howard romance, look for Dream Man or After the Night or Shades of Twilight or any of the complex and entertaining novels she wrote way back in the 20th century when she was very, very good.
--Jean Mason


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1. Re: Add Female characters to Black Ops 2
robbierocket Jun 6, 2012 11:59 AM (in response to choppacity)Woo-hoo! This is gonna cause a stir, watch this thread go!
2. Re: Add Female characters to Black Ops 2
Koeswik Jun 6, 2012 12:01 PM (in response to choppacity)This has been a very discussed topic for sometime now, nothing has happen about it so far, and unlikely will
Toon chicks with guns, hmmmmm
3. Re: Add Female characters to Black Ops 2
robbierocket Jun 6, 2012 12:07 PM (in response to choppacity)Ok, I'll get it started then.
Add 8-12 year old characters in the game, because let's face it, a ton of underage players play COD.Child soldier comments, anyone? Have I gone too far? Same principal argument though.
Perhaps the female character argument should be that there could actually be 1 in 100 in-game characters as a female (to represent a speculatively reasonable percentage of Black Ops 2025 soldiers). This should be random though, so that the player gender is irrelevant to the character (as age, nationality, culture and religion currently are).
Choosing gender will likely cause a direction-change or distraction in terms of what COD is. I can imagine so many males choosing females and this will not only change the face of the game (literally) but also the realism and quality.
Unless, you mean there should be a gender control on PSN...?
4. Re: Add Female characters to Black Ops 2
ghamorra Jun 6, 2012 9:14 PM (in response to choppacity)Females in the military cannot serve on the frontlines. The closest to the action they'll ever get is being a medic but they cannot take part in combat
5. Re: Add Female characters to Black Ops 2
robbierocket Jun 7, 2012 1:53 AM (in response to ghamorra)There we go, someone got in there, great! (although this is Black Ops and fictional and in the future).
6. Re: Add Female characters to Black Ops 2
Grayewsable Jun 7, 2012 9:12 AM (in response to choppacity)Urgh... Another one of those gendercentric threads?
Arguments against summed up:
Hit boxes affected in favour to female bodies.
Elite military factions you play as only allow males. (SEAL's, Rangers, Delta, Spetsnaz, SAS, etc.)
Great idea combining the option of giving player's character female genitalia and a female voice with the most immature gaming "community" out there (for lack of a better word).
Yeah, let's incite 3arc to waste resources for better maps and more features on female playability that only 5% would care for and atleast 50% would use. Delete this thread.
7. Re: Add Female characters to Black Ops 2
robbierocket Jun 7, 2012 11:07 AM (in response to Grayewsable)I'll happily delete all my posts on this thread. But it's worth keeping them for now, so another wench doesn't start up again...
(non-offensive ironic joke)
8. Re: Add Female characters to Black Ops 2
ghamorra Jun 7, 2012 12:24 PM (in response to robbierocket)I'm just saying, if they allow female soldiers it would take the game from "based on real warefare" to "no where near realistic". Also feminist activists would be all over this and the last thing I want is for women to boycott sandwhich making
9. Re: Add Female characters to Black Ops 2
Noseless Jun 7, 2012 12:40 PM (in response to choppacity)a lot of disabled people play too, maybe there should be a chracter in a wheelchair. If I was to play barbie I wouldnt complain if the main chracter is female getsmi.


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This page contains Cheats for Desert Race organized by sections for Arcade. Desert Race is a Driving Racing Arcade game, made by Moppet Video and published by Moppet Video. If you can't find a hint or secret in our list, then please check this page periodically for the latest updates.
Desert Race Arcade Cheats
- Developer: Moppet Video
- Publisher: Moppet Video
- Genre: Driving Racing Arcade
- Release Date: Not Set
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Don't forget to Bookmark this page for the latest Desert Race Cheats. At this moment there are no cheats or walkthroughs available for Desert Race. If you know cheats, secrets, hints or glitches for this game then please Submit them.
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Larger View Product Code: RS6 |
The OmniFilter RS6 water filter is designed for use with Omni's heavy duty whole house water filtration systems including the BF6 and BF7 systems. The RS6 also fits any other brand of water filter housing that uses 9 3/4 inch x 4 1/2 inch filter cartridges. The OmniFilter Whole House Filter Replacement Cartridge fits any brand of whole house water filter system that uses standard 9 3/4 x 4 1/2 filter cartridges. The filter uses Pleated Fabric to remove contaminants for up to 3 months. Contaminant Removal:
Filter Type: Pleated Fabric Filter Life: 3 months or 3000 gallons Micron Rating: 30 microns Flow Rate: 10 gallons per minute Size: 9 3/4 inches (length) x 4 1/2 inches (diameter) UPC: 047087300289 Country of Origin: Mexico The RS6 is also known by the following part numbers:


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Release Date: December 21, 1988 | Running Time: 120 mins. |
MPAA Rating: PG 13 | Box Office: $56,444,103.00 |
Genre: Comedy, Drama, Music |
Bette Midler
Barbara Hershey
John Heard
Lainie Kazan
All Cast & Crew >>
Summary:When the irrepressible C.C. Bloom and the shy and proper Hillary Whitney first meet under the boardwalk at the beach, all the 11-year-olds have in common is the need for a best friend. Worlds apart in lifestyle and location, their friendship ebbs and flows through a lifetime of highs and lows, career changes, marriages, jealousy, and more.... Full Summary >>
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Now on DVD, A Mile in His Shoes is an inspiring story about a special boy with an amazing gift, and the coach who believed. Dean Cain and Luke Schroder star in A Mile In His Shoes. Buy it here! http://www.amazon.com/Mile-His-Shoes-Dean-Cain/dp/B005SQRYEG/ref=sr_1_1?ie=UTF8qid=1324422097sr=8-1
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Tumors that secrete GH may expand and cause serious complications. All patients with GH-secreting tumors, including those receiving SOMAVERT, should be carefully monitored for changes in tumor volume. Overall, mean tumor size was unchanged during the course of treatment in clinical studies. Tumor volume change did not appear to be influenced by whether or not patients had previously received radiation therapy.
Important safety information regarding liver test monitoring
Monitor liver tests based on baseline values and changes during therapy according to the schedule in the full prescribing information. In clinical studies with SOMAVERT, ALT was >3X but <10X the upper limit of normal (ULN) in patients treated with SOMAVERT (1.2%) vs placebo (2.1%). ALT and AST elevations occurred within 4 to 12 weeks after the start of therapy and did not appear to be related to the dose. 2 patients (0.8%) experienced elevations of ALT and AST serum concentrations >10X the upper limit of normal (ULN). In both patients, the elevations normalized after discontinuation of the medicine. If a patient develops liver test elevations, or any other symptoms of liver dysfunction while receiving SOMAVERT, please see Liver Tests section of full Prescribing Information.
In subjects with systemic hypersensitivity reactions, caution and close monitoring should be exercised when
re-initiating SOMAVERT therapy.
The most common adverse events (>10% and at frequencies greater than placebo) in 1 of the 3 active treatment arms in a 12-week placebo-controlled study (N=112) included infection, pain, diarrhea, nausea, flu syndrome, abnormal liver function tests, and injection-site reaction.
Injection sites should be rotated daily to help prevent lipohypertrophy.
The maximum indicated daily maintenance dose for SOMAVERT is 30 mg.
Rx only


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This list of science centers and museums participating in the ASTC Passport Program is in effect November 1, 2013–April 3, 2014. The list starting May 1, 2014 will be posted mid-March 2014.
Each institution has its own admissions policy, so call before you go to get the details. Also, reciprocity extends only to regular/general admissionit does not include free admission to additional attractions such as special exhibits, planetarium shows, simulator rides or giant-screen films. It also does not usually include museum store discounts.
Please notetwo local restrictions apply: 1. Based on your science center's/museum's location. Science centers and museums located within 90 miles of each other are excluded from the program unless that exclusion is lifted by mutual agreement. 90 miles is measured "as the crow flies" and not by driving distance. Science centers/museums may create their own local reciprocal program. ASTC does not require or participate in these agreements, or dictate their terms.
2. Based on your residence. To receive Travel Passport Program benefits, you must live more than 90 miles away ("as the crow flies") from the center/museum you wish to visit. Admissions staff reserve the right to request proof of residence for benefits to apply. See the PDF for details.
November 1, 2013 - April 30, 2014 (150KB, 6-pg, 6-pt font) | Need help?
November 1, 2013 - April 30, 2014 (191KB, 23-pg, 12-pt font) | Need help?
Restrictions and admissions policies are not included in the search feature below. Check the PDF above or call before you go to get the details.


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On Thu, Jan 31, 2013 at 5:56 AM, Muzikliluvnlife said:
Hi Tysha, have you seen "Looking Back On Love"? What do you think? Please share on the forum. Would be great for the Lenny Fam to discuss. :) http://www.lennykravitz.com/forum/the_music/2412923?h=l#post_21226603
On Mon, Jan 28, 2013 at 4:21 PM, Tysha said:
iTunes tomorrow 01/29/2013!!!!!!!!!!
On Fri, Jan 25, 2013 at 8:25 AM, Tysha said:
Hello it's FRIDAY!!!!!!!! Everybody be safe and enjoy the Weekend !!!!!!
On Fri, Jan 25, 2013 at 8:10 AM, Tysha said:
Thanks littlesusi76. you have a great weekend too.
On Fri, Jan 25, 2013 at 2:19 AM, littlesusi76 said:
welcome Tysha.. waving from germany to you... have a nice weekend!!!!! ;o))
On Thu, Jan 24, 2013 at 3:20 PM, Tysha said:
Thanks , Norma I'm at a point in my life where I'm making time for myself. The LK concert experience is #1 on my Bucket List .
On Thu, Jan 24, 2013 at 1:43 PM, Norma said:
Hello! Greetings from the East Coast!...I hope Lenny tours again soon so you can go to a concert - Everyone should be blessed with the opportunity to feel the love and positive energy of a LK concert!
On Sun, Jan 20, 2013 at 12:11 PM, Tysha said:
I hope everyone is having a wonderful Sunday!!!! Enjoy your day!!! Let Love Rule your day!!!
On Sun, Jan 20, 2013 at 4:52 AM, Selena_BK said:
Hello Tysha and welcome to the site!! Waving from NYC!! Let Love Rule
On Sun, Jan 20, 2013 at 12:13 AM, OumerMargan said:
thanx so much for adding me have a nice day TYSHA
25 Results Found


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Guest Experiences Find Out More Hear it from the people that matter the most – our guests. Read trip reviews, ask questions, view photo galleries and connect with others on your trip before you go. Already been? Write your own review here!
Day 1 LONDON - PARIS (2 NIGHTS) A very warm welcome from your Travel Director! See the White Cliffs of Dover as you cross by ferry to Calais in France. Travel past the Somme battlefields in northern France to the glittering capital Paris, your home for the next two nights. Hotel: Mercure Paris La Defense 5 (F) Hotels are subject to change. Help Day 2 PARIS SIGHTSEEING AND FREE TIME Your Local Guide takes you on a morning guided sightseeing tour, which includes views of the Champs Élysées, Arc de Triomphe, Notre Dame Cathedral and the Eiffel Tower. Spend the afternoon as you wish. Consider a cruise along the Seine in a glass-topped boat. You might like to round off your Parisian adventure with a spectacular cabaret show! Meal(s): (Buffet Breakfast) Day 3 PARIS - LUCERNE Today, drive through the Burgundy region where vineyards stretch as far as the eye can see. Pass the fortified town of Belfort to lakeside Lucerne with views of the 14th century Chapel Bridge and a visit to the Lion Monument during your orientation tour. Dine tonight at your hotel. Meal(s): (Buffet Breakfast / Dinner) Hotel: Weinhof (SF) Hotels are subject to change. Help Day 4 LUCERNE - VENICE Traverse the Alps into Italy via the scenic St. Gotthard route and catch a glimpse of Lake Como. Skirt the sprawling commercial capital, Milan, arriving later in the region of Venice, a historically wealthy city built across 117 islands in a marshy lagoon. Meal(s): (Buffet Breakfast / Dinner) Hotel: Il Burchiello (Oriago) (F) Hotels are subject to change. Help Day 5 VENICE - FLORENCE Cruise by private launch to St. Mark's Square and see the sumptuous Doge's Palace and St. Mark's Basilica. Watch the Venetian craftsmen at work creating local specialities at a glass–blowing workshop. Afterwards, you might like to take an optional excursion to Burano Island for a delightful seafood lunch. Cross the Apennine Mountains, arriving later in Florence, birthplace of the Renaissance. Meal(s): (Buffet Breakfast / Dinner) Hotel: West Florence (F) Hotels are subject to change. Help Day 6 FLORENCE - ROME (2 NIGHTS) See the sights during your orientation tour of Florence, which includes a stroll to Santa Croce Square. Don't miss the opportunity to shop for high quality leather and gold before departing for Rome. Meal(s): (Buffet Breakfast) Hotel: Melia Roma Aurelia Antica (F) Hotels are subject to change. Help Day 7 ROME SIGHTSEEING AND FREE TIME Your Local Guide takes you on a guided visit of St. Peter's Basilica, believed to enclose the tomb of St. Peter. Your fascinating guided sightseeing tour continues across the River Tiber in ancient Rome with views of the Forum and Colosseum. Spend free time afterwards exploring on your own. Shop in smart boutiques on the Via Condotti, throw a coin in the Trevi Fountain or simply watch the world drift by! Meal(s): (Buffet Breakfast) Day 8 DEPART ROME After breakfast, say 'arrivederci' to Rome and your fellow travellers at the end of a dream holiday! Airport transfers are available. Conditions apply. Meal(s): (Buffet Breakfast)
What's Included Sightseeing Highlights DoverSee the White Cliffs. ParisSightseeing with your Local Guide includes views of the Champs Élysées, Arc de Triomphe, Notre Dame Cathedral and the Eiffel Tower. LucerneOrientation includes views of the Chapel Bridge and a visit to the Lion Monument. VeniceCruise by private boat to St. Mark's Square. Visit a traditional glass-blowing workshop. FlorenceSee Piazza St.Croce. RomeSightseeing with your Local Guide includes views of the Forum and Colosseum, and a visit to St. Peter's Basilica. Dining 7 buffet breakfasts 3 three-course dinners Travel Highlights Pick-up in London if you stay at the Trafalgar recommended London hotel booked through Trafalgar or from the London Reception Centre. First Class, Moderate First Class and Superior Tourist Class hotel accommodation featuring twin rooms and private facilities. All hotel service charges and tips, baggage handling fees and local taxes included. Travel by luxury air-conditioned coach with reclining seats and an on-board restroom. Ferry from Dover to Calais. The services of a professional Travel Director throughout your journey. The services of a Trafalgar Local Host if you stay at Trafalgar's recommended London hotel. A London airport shuttle service is available. Conditions apply. A stylish wallet, travel documents and map. Audio HeadsetsProvided throughout your holiday to enhance your included sightseeing experiences. Airport Transfers For full details on transfers, please click here.


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Volleyball Downed by Shoreline September 27, 2010 The Bellevue College volleyball team hosted Shoreline Community College at home on Friday, Sept. 24 and fell three games to none. Outside Hitter Lisa Schouten of the Bulldogs recorded nine kills while Setter Veronica Wetzel contributed 19 assists overall. Defensively, Gabby Garrido had the most digs for the Bulldogs with seven. For Shoreline, Lisa Day stood out with a match high 23 kills as Christine Jenson made 41 assists throughout the match. Natalie Kaltbrunner chipped in on defense with 12 digs; a team high. The Bulldogs lost by a score of 25-29, 25-9, and 25-21 in three games. Bellevue College will be on the road for their next two matches at Edmonds Community College on Wednesday, Sept. 29 and at Olympic College on Friday, Oct. 1 in Bremerton. Both matches will start at 7PM.
Home | Prospective Athletes | Facilities | Administration | Staff Directory Bellevue Community College Athletics 3000 Landerholm Circle S.E., Mailstop G100, Bellevue, WA 98007-6484 (425) 564-2351 Please contact us with your questions


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November 4, 2013 - 1:41pm
An Engine Room in the Bow?
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With the engine compartment in the bow, the aft section of the Wider 150 is devoted fully to guest use. The swim ... motoryacht
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Questions About This Book?
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Renting is easy, fast, and cheap! Renting from eCampus.com can save you hundreds of dollars compared to the cost of new or used books each semester. At the end of the semester, simply ship the book back to us with a free UPS shipping label! No need to worry about selling it back.
How do rental returns work?
Returning books is as easy as possible. As your rental due date approaches, we will email you several courtesy reminders. When you are ready to return, you can print a free UPS shipping label from our website at any time. Then, just return the book to your UPS driver or any staffed UPS location. You can even use the same box we shipped it in!
What version or edition is this?
This is the edition with a publication date of 10/3/2011.
What is included with this book?
- The New copy of this book will include any supplemental materials advertised. Please check the title of the book to determine if it should include any CDs, lab manuals, study guides, etc.
- The Rental copy of this book is not guaranteed to include any supplemental materials. You may receive a brand new copy, but typically, only the book itself.
A spectacular reference book for the entire family, Violent Earthis an authoritative, stimulating, and visually arresting exploration of the dramatic forces that are constantly shaping our planet-often without warning and with devastating results. Using powerful photography, specially commissioned illustrations, and intuitive infographics, Violent Earthexplores plate tectonics, vulcanology, and seismology in unprecedented detail. Drawing on the latest scientific research and including detailed maps, revealing areas of key geological activity, such as earthquake zones, volcanic sites, and plate boundaries, Violent Earthalso looks at some of the most famous events associated with these places, from the historic eruptions of Laki, Iceland, which is credited with triggering the French Revolution, to the devastating earthquake in Haiti that killed more than 250,000 people in 2010. AUTHOR INFO: Established in 1846, The Smithsonian Institution is a world renowned research center, dedicated to public education, national service, and scholarship in the arts, sciences, and history.


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| Support Your Zoo | About Us | Contact
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Birthday parties, picnics, corporate events, weddings and more—there is a perfect venue and menu for every occasion at the zoo!
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Thrive Breakfast - March 19
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Join Woodland Park Zoo President and CEO Dr. Deborah Jensen and the zoo's Board of Directors for breakfast to learn how Woodland Park Zoo connects the community to nature and brings science to life through hands-on learning, creating the next generation of conservation stewards.
Special guest speaker is Ira Flatow, award-winning science correspondent. Over the course of his 40 year career, Ira Flatow has been bringing cutting-edge science to million through a range of programs including the four-part PBS special Big Ideas and Emmy-winning Newton's Apple. He is currently the host of NPR's Science Friday, which welcomes over a million listeners each week. Ira Flatow, host of NPR's Science Friday, which draws more than a million listeners each week.


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Bus Priority Projects
Utica Avenue Bus Priority & Safety Improvement Study
Every day, thousands of bus riders travel on Utica Avenue in Brooklyn. Utica���s B46 bus carries almost 50,000 passengers a day, making it the second busiest bus route in New York City. Many of the neighborhoods along Utica Avenue, including sections of Crown Heights, East Flatbush, and Flatlands, lack direct access to the subway, making the B46 a key transit link to subway stations at Eastern Parkway (3 and 4 trains) and Fulton Street (A and C trains).
Utica Avenue is also a priority corridor for safety improvements. Utica has among the highest rate of injury from motor vehicle crashes in Brooklyn. A major contributing factor to this problem is speeding���DOT has found that over 60% of vehicles on Utica are traveling above the speed limit (30 mph). Speeding on the corridor endangers other vehicle drivers and pedestrians. For example, the intersection of Church Avenue and Utica Avenue has among the highest number of crashes involving pedestrians in Brooklyn.
To enhance bus service and to improve safety, DOT is undertaking a study of Utica Avenue between Saint Johns Place and Church Avenue. The study will assess existing traffic and pedestrian conditions on Utica and recommend a series of improvements to reduce crashes and to increase bus speed and reliability. The study kicked off in October of 2011 and is expected to be completed by the spring of 2012.
About the Study
The study team���s first step is to gain a better understanding of travel patterns and traffic conditions on Utica Avenue from St Johns Place to Church Avenue. DOT is conducting extensive data collection and analysis to identify high crash locations, busy pedestrian areas, and sources of bus delay. The study team will be gathering data on traffic volumes, turning movements, and pedestrian flows at key intersections, crash locations and causes, and bus passenger volumes. The data collection phase of the project is expected to wrap up by early 2012. DOT will then take the lessons learned from the data collection and analysis to come up with different ideas to improve safety and bus speed and reliability. Each of these ideas will then be evaluated by DOT with community input.
Community Outreach
The recommendations of the study will likely have implications for transit riders, pedestrians, motorists, and Utica Avenue businesses. Over the fall and winter of 2011 to 2012, DOT will seek input from the local community and reach out to key stakeholders, including merchants. DOT also plans to offer briefings on the study to the Community Boards along the study segment.
What's Next
Over the coming months, DOT will be:
- completing data collection on traffic, pedestrian, and transit conditions on Utica Avenue.
- making presentations on the study to local Community Boards within the study segment. Check the DOT Calendar for upcoming presentations
- Reaching out to key stakeholders, including local merchants.


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Home / Hay and Forage Equipment / Self-Propelled Hay Windrowers / Windrower Traction Units Windrower Traction Units
Product BrochuresView VideosYou may also be interested in...Product features are based on published information at the time of publication. Product features are subject to change without notice. Contact your local John Deere dealer for more information. |


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Successful LA marketing analyst Michael Boll (James Spader) seemingly has it all -- except a sense of self-confidence. Enigmatic drifter Alex (Rob Lowe) enters Michael's life and immediately begins to exert a negative influence. As Michael's self-esteem zooms (aided by generous dollops of sex and drugs) he allows himself to be dragooned into a life of crime by the demonic Alex. The "doppelganger" aspects of Bad Influence, and the film's many unexpected twists and turns, echo films of Alfred Hitchcock...more
All Bad Influence cast + crew photos


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10 Signs She's Not Worth Your Time
If she name-drops her ex, disagrees with you about money, and has a way of always getting you down, it's probably time to cut bait.
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- The 8 Absolute Worst FoodsThis new year means new rules to eating.
- Freebie FoodsThey're so low in calories you won't feel bad for going overboard.
- 15 Best Bodyweight Moves15 equipment-free ways to build muscle.
- Best Spring Colognes for MenChange up your scent for the new season.


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On View: Bottom of Coffin
In the interior painting on this bottom half of a coffin, the large figure represents Osiris, king of the dead. The mummy would have origina...
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Hiroshige's One Hundred Famous Views of Edo
Hiroshige's 118 woodblock landscape and genre scenes of mid-nineteenth-century Tokyo, is one of the greatest achievements of Japanese art.
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This object creates a frightening and otherworldly effect. Gbaule are divination objects used by the We to determine the causes of illness a...
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A few pre-game notes:
- Kyle Johnson is inactive. He sprained his ankle early in last Sunday's win over Oakland, and while it wasn't the high ankle sprain that the Broncos initially feared, it will be enough to sideline him today. Cecil Sapp will start in his place.
- The weather is, in a word, dreadful — and not just because it's uncomfortable for fans. It's 48 degrees right now, but perhaps most significantly for the actual game play, the wind is blowing from out of the west-southwest at 21 miles per hour, with gusts to 32. When I walked around the stadium about 20 minutes ago, I saw several kicks from Jason Elam and Paul Ernster that soared majestically to an apex before simply dying in the stiff breeze.


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Processing Time - Orders typically ship in 2-5 business days. Transit via UPS Ground can take up to 6 business days. Braided and custom-made products may take 2 to 3 weeks for delivery.
Free Shipping to Contiguous United States - We do not ship to Alaska, Hawaii or the Caribbean Islands at this time.
Oversized items - Orders that ship freight may take up to 2 weeks from shipment date to be delivered. You will be contacted by the trucking company to schedule a delivery appointment.
Shipping to Canada - Orders shipping to Canada will be subject to a 15% shipping surcharge fee. The shipping surcharge does not cover duties, customs, taxes or brokerage fees which may be charged to you by the shipping courier at time of delivery. At this time we are not shipping to Yukon and the Northwest Territories in Canada.
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Rugs USA Radiante Hearts Ikat Beige Rug
Item #: 200BHBC12A-P Add to Wishlist
$306 - $546 + FREE SHIPPINGFeatures: This product has the following features:
- Collection: Radiante
- Brand: Rugs USA
- Material: 100% Polyester
- Weave: Hand Tufted
- Styles: Transitional Rugs
- Origin: China
- Available in the following sizes: 5' x 8' and 7' 6" x 9' 6"
Colors are exactly what I was hoping for, size is great, quality looks good so far! For the money, this cannot be beat!
RECOMMENDED: Yes, I would recommend this to a friend.After looking for the right area rug for WEEKS I ordered this one... it's great! I got the 6x9 size in my living room under a 40in dining table and it's perfect! the colors are more bold than they appear in the photo, which is lovely! the pile was medium thinkness, not too much or too little (more than an outdoor rug). Great price and quick shipping... will shop RugsUSA again!!
RECOMMENDED: Yes, I would recommend this to a friend.Loved color and everything about it! I was very skeptical of ordering a rug online but I am very pleased. Will buy more from this site.
Great rug! Very durable and beautiful color. Really makes my family room pop!
RECOMMENDED: Yes, I would recommend this to a friend.I was so encouraged by the great reviews I didn t hesitate to order this rug. Yes, this rug is gorgeous and soft in person. I was in love with it when it arrive and quickly placed it in our living room. That s where the love ends sadly. The quality of this rug is horrible and not made for even light everyday use. We don t have a large or busy family (just myself, my husband and a 20 month old) and the rung was placed in a room we don t spend a lot of time in. However, within a week it was battered and starting to fray in multiple places. Thinking it wasn t a huge deal I trimmed them and was still satisfied. However, after a month, there were snags, pulls, and thread all over the place. It was a disaster! It saw barely three months of use before it was falling apart, not even worthy of being donated. I have had great success with ordering other rugs online but this purchase was a complete disappointment and waste of money!
RECOMMENDED: No, I would not recommend this to a friend.This rug is gorgeous! I love it! It does not shed like the wool ones and it is much more substantial than I expected. The colors are dreamy too. This is my absolute favorite rug I have ever seen. I am so glad I got it!
RECOMMENDED: Yes, I would recommend this to a friend.This rug is amazing! In person it is absolutely gorgeous, the tan color is more subtle and the silver-blue is perfect. I get so many compliments on this rug, highly recommended!
RECOMMENDED: Yes, I would recommend this to a friend.2nd purchase from RUGS USA, and I'm satisfied once again! I'm using this rug in my front entrance way and it instantly warms up the space. The colors are pretty accurate... maybe a touch brighter in person.
RECOMMENDED: Yes, I would recommend this to a friend.i love this rug. it was just what i wanted for our dining room. great colors. great quality.
RECOMMENDED: Yes, I would recommend this to a friend.Very nice rug for the money. Love the colors and texture, it will be perfect in the room I'm using it in. Definitely recommend & loved the price.
RECOMMENDED: Yes, I would recommend this to a friend.This is a beautiful rug! The quality is superb and the thickness is great for the amount paid. Note: The beige looking details are darker than the photo shows and looks a little on the gold side. But if you pair it with other dark beige items, you shouldn't be able to notice!
RECOMMENDED: Yes, I would recommend this to a friend.I got such a great deal on this rug, and another similar to it. I was holding my breath for it to come, cause I was worried the quality would not be too great. But I love this rug. I put it in my bedroom, and I love walking barefoot on it, and so do my toes! I laid it over my berber carpet, and it is the perfect thickness. Its not too bulky that I am tripping over it, and not so thin that it shifts around all the time. I def recommend it!
RECOMMENDED: Yes, I would recommend this to a friend.My husband and I are extremely pleased with this rug! It is very soft, the colors are exactly what we were looking for and we love the thickness (not too thin, not too thick). My husband commented that this is a rug he can actually lay on without it being scratchy like our pricey wool rug. It is a great buy and looks great under our beige upholstered bed. The colors are pretty accurate - maybe a tad lighter in person.
RECOMMENDED: Yes, I would recommend this to a friend.Colors are exactly as picture. Looks great in our living area! Will definitely purchase again from this site.
RECOMMENDED: Yes, I would recommend this to a friend.Very true to colors online. Good quality rug! Looks great in our playroom
RECOMMENDED: Yes, I would recommend this to a friend.The color was absolutely perfect. I just received this so am not sure how it will hold up over time, but so far I am very happy with it.
RECOMMENDED: Yes, I would recommend this to a friend.Fill out the information below.


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Dear Readers: Blount Today to close
IN EFFECT UNTIL MAR 12, 11:00 p.m.
issued for NW Blount, Knox, Anderson, Blount Smoky Mountains
IN EFFECT UNTIL MAR 13, 4:00 a.m.
issued for Blount Smoky Mountains
On Saturday, May 28, at 7:30 in the evening, Kelli LeighAnne Landers, daughter of Gregg and Kim Landers of Maryville, was united in marriage with William Jacob Little, son of Lannis and Leann Little of Maryville. The outdoor wedding ceremony was held at the home of Pamela Guider, the bride's aunt. A cake and punch party was held following the ceremony. Kelli is a graduate of Lincoln Memorial University and is employed as a Registered Nurse at Blount Memorial Hospital. Jacob is an Applications Analyst for the Information Systems Department at Blount Memorial Hospital. After a honeymoon in Cancun, Mexico, they are at home in Maryville.
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E-Commerce (or M-Commerce) and Mobile Payments in Africa gets a lot of attention. I get a number of mobile payments pitches every month, and you can imagine how tough my skin has become over the last 6 months. Especially as I have personally transitioned from a plastic world into a mobile money world- I carry both and have used 4 services across Tanzania and Kenya. We are seeing some encouraging signs of e-commerce life in Nigeria, but it doesn't look like anything we probably all imagined a few years ago.
Over a year ago I wrote a post about how I saw the scene developing with the increasing presence and competition of brand name players such as Visa, MasterCard and Paypal with mobile money. Despite all the attention mobile money gets it is simply inflexible for certain type of transactions. The story no one is really talking about is the growth of plastic cards, tied closely with the rise of retail banked/middle class and the different user experience it provides for payments that mobile money cannot. The ability to swipe and pay in a few actions or user pin can sometimes feel way easier than tapping over 20 button presses on mobile money system whilst you need to check you have the right M-PESA "Buy Goods" or "Paybill" no. Not to mention the number of times mobile money network might be down (my efforts to actually figure out the up-time of mobile money operators has so far yielded no clear figures)- like most things in Africa, I might have to gather this info myself via indirect measurement. To be clear I am not saying mobile money is not useful, it is clearly ubiquitous and outpacing plastic, its just not the perfect user experience for all transactions and some startups like Pesapal in East Africa make this much easier to transact online via a wallet. I am also very bullish on the convergence of these payment systems as the middle class and retail trend continues – the interaction between the growth of debit/credit cards, urbanization and hopefully stronger banks will mean diversity of payment options. What really remains a big challenge is the merchant adoption side (online and offline) which is a lot more complicated than just "accepting payments"- in fact as I explain, way more is needed.
Mobile Money began with Airtime and is evolving to Merchant Acquisition.
The biggest incentive traditional mobile money operators have had historically with their offerings is to target their own services as well as compete and fight for retention- the purchase of Airtime (over 30%+ of value of the service to the mobile operator). In fact airtime might be one of the most sold M-commerce commodities in Africa- unleashed by the prepaid business model that set alight Africa's mobile sector, and its not only mobile operators who are doing it, but now startups are selling airtime as gifts both domestically and via diaspora/remittance channels like the Airpesa as part of mamamikes.com. In some cases through a tight integration with savings and loan products such as M-Shwari services with M-PESA. When it comes to retail M commerce, mobile operator incentives begin to show weakness.
This creates a bright light for network independent mobile operators such as Pagatech in Nigeria and MTZ (renamed Zouna) in Southern Africa, they are interesting because they are not mobile operators and their competence is to focus more on helping merchants. Take Selcom Wireless' PayPoint in Tanzania, their implementation is more an integration of Point of Sale (POS) directly to merchants- this in theory gives them more of a leg up on signing up merchants and focusing on serving them vs a mobile operator- however Airtime purchase and recurring utility payments (power, cable TV etc..) is probably still the biggest category of transactions since they act as an airtime super dealer across the fragmented mobile operator scene and augment collection for businesses that need physical outlets for payment. I am much more bullish about network independent mobile money systems if they focus and serve merchants this way vs merely creating wallets, NFCs etc… adding to user experience/adoptions barriers in M-Commerce. Furthermore, this is still not enough if the integration between merchants and payments is not fully in tune with the business process and payment culture- something I have clearly seen in the difference between Kenya and Tanzania mobile money/payment ecosystems. Paying a utility bill to TANESCO on Vodacom M-PESA in Tanzania can still take a whole day to clear. And when I made a Selcom Paypoint payment to Azam Marine (after booking online and getting a PDF receipt and transaction number) for my ferry journey to Zanzibar over the holidays, the notification chain was broken in a key area and even when I showed up to the ferry terminal I held up a line of angry passengers while the staff were figuring out what to do with me"You are meant to come pick up the tickets here at least the day before when you pay online"- I asked them what was the point of paying remotely (i.e. to save time and not be stuck in Dar traffic) only to need to come pick up the tickets, I might as well just pay in cash and if I am required to physically pick up tickets. This is a classic situation where the payments and business processes are disconnected and a huge issue that cause the adoption of mobile commerce to be hampered in African countries when attention is not paid to business process integration.
Fraud Management is a Business Risk Management Process
Credit Cards is a whole new game. As we have seen, some partnerships have been savvy and have tried to integrate the two by creating virtual throwaway credit card numbers that mobile money users in Africa can use for online transactions Debit and Credit cards brings on risks that many African banks may not be prepared for, and that's fraud management. Over the Christmas break we even saw an outbreak of card skimming scams at Standard Chartered ATMs in Nairobi, Kenya for instance- this is not even online, but offline. Your card is not safe as you'd think and its not apparent if banks are prepared to scan for sophisticated fraudulent activity. You can see why consumers in Africa distrust banks to the benefit of mobile money. Fraud prevention might be plastic's biggest disadvantage against mobile money despite the user experience benefits- their use is limited by the strength of the fraud protection (and perception of security). As Eran Feinstein from 3G Direct Pay said to our Savannah Fund accelerator class yesterday "Online Credit Card transactions in travel are much riskier than say gaming" - "we have recognized clear patterns on how to spot the most common fraudulent transactions in travel with our risk management and business intelligence platform"- something I learnt clearly when I ran yellowmasai.com travel portal and Savannah Accelerator startups are only realizing what they really need to be prepared for in taking credit card payments online.
Large Merchant Momentum integrated with Business Process/Incetives will Drive M-Commerce
There is a silver lining in my Azam/Selcom Paypoint experience. Enter Fastjet, a barely 3 month old airline startup that is taking the aviation industry in Africa by storm, they have just introduced M-PESA payments after starting with cash agents- they opened the mobile money channel while encouraging the use of that channel with promotional offers of free flights- why? Because the end game for fastjet is to completely do without agents and hence have a cost effective airline operation that reflects their low cost business model, but they are smart enough to start with cash/agents and transition into mobile payments by offering strong incentives because they know mobile payment adoption won't happen overnight unless they offer both strong incentives whilst educating the market. The incentive is already strong against the competition with having the lowest travel fares (up to half of competitors) available and also being the most punctual airline in Tanzania since launch, taking it a step further, their "Smarter Travel" tag line makes perfect sense to position themselves in the what often feels like primitive airline industry that has yet to fully embrace global airline online bookings. I really do think that Fastjet will do more to shake up the mobile commerce industry in Tanzania then any other initiative and its not by offering payments channel like everyone one else, but by having a tightly integrated business process, customer experience that then educates and sets a high expectation of the true benefits of M-commerce. Azam Marine and TANESCO will have to adapt from their example- otherwise consumer trust will continue to suffer and hence we will see less M-commerce adoption- cash for decades in Africa has ensured an expected level of certainty in transactions despite its short comings- like this 500 shilling note that I clearly would like to convert to mobile money as it is probably not going to be accepted by any sane Tanzanian merchant.
As I tell the startups in our accelerator who are exploring integrating payments, its not just about accepting payments its about a business process and even business model rethink and in turn convince both consumers or businesses to pay electronically to effectively monetize their services. As KopoKopo is ramping up their merchant acquisition in Kenya effectively extending the reach of what a mobile operator such as Safaricom is not designed to do- reach out to businesses effectively with the right value proposition around payments and business workflow.
Where does this leave Africa E-commerce Today?
When it comes to E- commerce, many in Africa (esp. outside of South Africa) would say the market is not ready- the technology is but the adoption often isn't. Cash on Delivery seems to be a proven way for scaling e-commerce in Nigeria as we are seeing with the rise of sites like Konga.com and Dealday. Look deeper (video at the top of the post) and you will see the importance of business process design in taking more control of the supply chain by setting up a delivery/postal network in house may be more effective than trying to ram down online payments to a market that is not yet ready- in this model, I believe building trust and hand holding consumers into the transition to electronic payments is more effective. One reason why diaspora/e-commerce that focuses on mobile airtime with a venture like Airpesa works is that these cultural barriers and business process integration required (no painful logistics) fulfillment is minimal vs delivery of shoes imported from China or Europe that might take a week or more depending on which African port you try your luck with- I might as well just go buy it in the physical shops tomorrow and pay with… Cash.
7 comments
Victor Asemota (@asemota) January 25, 2013 at 4:46 pm
One important part of what is missing from all what you listed above is transaction fees. I find some really ridiculous models in Africa where either the merchant pays two twice or both the consumer and the merchant pay for a a transaction to go through. I have lesser faith than you have on non telco m-commerce operators and their ability to scale m-commerce models and I think they will always remain niche players. I think the aggregation model the operators are employing is also a temporary solution as it just slaps another layer to an already flawed process. I am also sure fees wont matter if the process is friction-less
Mpesa and models built to mimic it move cash over distance and the cash interface is the agent. For a merchant it is a different mechanism as it only involves settlement and theoretically it should be easier but it is not especially when you are using the same model for moving cash over distance. Telcos are also built to handle micro-transactions at scale and they do that for airtime very well. The airtime prepaid account is basically a wallet with stored value that the subscriber uses up with the telco's own service and I do not see any reason why the m-commerce process cannot have similar simplicity with settlement happening in real time internally.
I believe current telco models need a redesign and complete overhaul. We sometimes get carried away with MPesa's success at performing one function and overlook its design deficiencies. Those deficiencies cannot be corrected with another layer or another player. I believe that Visa with its acquisition of Fundamo has a chance now to change the entire model of telco mobile payments as we know it and I am bullish on them and not any of the other players.
Another key constituency is the merchants themselves. They are fragmented and not organized, if they were, it would be easier for everyone including themselves to explore the same model MCX is employing in America.
Mbwana Alliy January 26, 2013 at 4:41 pm
I agree- mobile money a la M-PESA, was not built for commerce. Note my 20 key presses (yes, I counted) to pay a bill. It only works for payments that are not time critical, like paying utility bills. At the point of purchase or POS it starts to show its limits vs plastic.
I was completely negative on the network independent players, but once what they lack in scale the mobile operator provides they make up in merchant focus. I believe the M-PESA API was promised in 2011 and it has not arrived- some payment processors I know have retail access, most don't.
Net net, we'll live in a world of diverse payment options and one can take your pick dependent on merchant, type of payment, channel and fee structure. Remember at some remote hotels in Africa credit cards get charged 5% -
Raymond Rugunda January 27, 2013 at 8:05 pm
I believe the technologies to make the payment experience smoother exist today. API and push USSD could be used to eliminate the need for the "20 button presses" and replace it with a simple PIN confirmation. Reasons we don't see these solutions are a subject for a longer conversation.
We know of several m-payments API platforms in East Africa (one of our own instances is running on http://zampay.com) which could be plugged into any wallet system and could be integrated to any POS. I think they have not been launched because of uncertainty in strategy/positioning of the parties involved. Most Telecoms don't own their m-wallet platforms, in fact several are now owned by card processors who are direct competitors and or may have a conflict of interest.
African telecoms who have primarily relied on marketing and distributions skills suddenly discover they need new tech and product and platform development skills of the type needed by cloud-based service companies like @square, @paypal etc… Needless to say these skills are in short supply, but I believe will define who wins.
Pingback: The Future of E-Commerce and Mobile Payments in Africa · Global Voices
Charlotte Walkling April 24, 2013 at 7:48 pm
Really found your article interesting!!
Wondered if you had heard about our mobile money africa conference in Johannesburg 27-29 May take a look here as might be of interest to you – http://www.mobile-money-gateway.com/event/mobile-money-africa-2013


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Form and Content (Masterplots II: Juvenile & Young Adult Biography Series)
As Sterling North's Thoreau of Walden Pond reveals, the stoic New Englander Henry David Thoreau was truly unique, both as a philosopher in his age and as a historical figure in modern times. The true measure of Thoreau's success is seen through the considerable influence that he has had on scores of American scholars and leaders, from poet Walt Whitman to civil rights activist Martin Luther King, Jr. To that end, North liberally incorporates into the biography Thoreau's own lively and vivid prose, primarily from Walden: Or, Life in the Woods (1854) but also from such lesser-known but equally valuable works as A Week on the Concord and Merrimack Rivers (1849) and The Maine Woods (1864). This technique gives young readers a personal view of Thoreau's philosophy and encourages them to delve into the author's original works. Without such lively and stimulating prose examples, it would perhaps be difficult to justify a biography on an individual who, at least according to modern standards, accomplished little in his life. North shows through Thoreau's prose, however, that Thoreau actually was living according to his (and all of humankind's) true nature, which gives "a sense of peace and well-being."
Thoreau lived in one of American history's most intellectual communities: nineteenth century Concord, Massachusetts. He was friends with many of the authors and philosophers associated with the movement called...
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Born on July 12, 1817, Thoreau lived in one of the most intellectual communities of any era in American history, mid-nineteenth-century...
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Literary Qualities
Perhaps the greatest literary value of Thoreau of Walden Pond is that it covers Thoreau's entire life. The biography does not...
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Social Sensitivity
A few of North's remarks in the book seem directed exclusively to young males, but this does not occur so frequently that readers of both...
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Topics for Discussion
1. Why do you think that Thoreau is considered not merely a great American writer, but also a great American?
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1. What was Thoreau's philosophy toward humankind's interaction with nature? Was nature a resource to be used to benefit humankind or was it...
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For Further Reference
Harding, Walter. The Days of Henry Thoreau. New York: Knopf, 1965. Harding's biography remains the most accurate and representative...
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Interview: American Authors on stalking Ryan Tedder and Paul McCartney
What's the best day of their life?
www.hitfix.com/blogs/the-beat-goes-on/posts/interview-american-authors-on-stalking-ryan-tedder-and-paul-mccartneyWhat's the best day of their life?
www.hitfix.com/blogs/the-beat-goes-on/posts/interview-american-authors-on-stalking-ryan-tedder-and-paul-mccartneyBeck's 'Morning Phase' enters at No. 3
www.hitfix.com/articles/schoolboy-q-scores-best-selling-album-in-the-us-with-oxymoron-debutCountry quartet's material doesn't match its talent
www.hitfix.com/blogs/the-beat-goes-on/posts/album-review-eli-young-bands-10000-towns-plays-it-safeThe 'Last Year at Marienbad' director has passed away at 92
www.hitfix.com/blogs/in-contention/posts/on-the-passing-of-alain-resnais-the-auteur-who-stayed-playful-to-the-endThe star of "The Big Bang Theory" is game, but the show's return is shockingly unfunny
We'll start things off by surmising that, even in lieu of any BAFTA suppo...
Duo set to tour with Hunter Hayes and Blake Shelton
Expected winner: Matthew McConaughey, "Dallas Buyers Club"
Our ups...
Some minor fine-tuning takes period spy drama from very good to great
Okay, maybe not "single-handedly." American goalie Jonathan Quick p...


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UPDATED Wednesday, October 2, 2013 --- 3:27 p.m.
MADISON, Wis. (AP) -- An investigative group has asked a judge to reject a Republican state senator's arguments that's she's immune from a lawsuit demanding records from her office.
The Center for Media and Democracy has filed a lawsuit demanding Leah Vukmir turn over records from an American Legislative Exchange Council conference. The state Justice Department has countered the Wisconsin Constitution provides lawmakers immunity from civil lawsuits during the legislative session.
CMD filed a brief with Dane County Circuit Judge Ellen Berz on Monday arguing again that under DOJ's interpretation no one could sue a sitting lawmaker since the Legislature is in session year round. Recent legislative sessions have run continuously, with one session beginning the same day the last session ends.
Copyright 2013 The Associated Press.
UPDATED Wednesday, September 18, 2013 --- 9:51 p.m.
MADISON, Wis. (AP) -- A Republican state senator says she has complied with an open records request from an investigative group suing her for more documents.
Leah Vukmir released a brief statement Wednesday saying she has given the Center for Media and Democracy the records it requested and she believes in transparent government.
CMD has been pressing Vukmir for records from an American Legislative Exchange Council conference this spring. CMD attorneys say Vukmir has turned over nine pages but believe she has more.
The center filed a lawsuit in June demanding she release them. The state Justice Department has countered the Wisconsin Constitution protects lawmakers from civil suits during the legislative session.
CMD attorney Brendan Fischer maintains DOJ is interpreting the constitution too broadly and the center still believes Vukmir has more documents.
Copyright 2013 The Associated Press.
UPDATED Tuesday, September 17, 2013 --- 11:06 a.m.
MADISON, Wis. (AP) — Wisconsin Attorney General J.B. Van Hollen says legislators aren't above the open records law but the Wisconsin Constitution clearly allows them to invoke immunity in lawsuits seeking documents.
Van Hollen, a Republican, released a statement Tuesday defending himself after his state Justice Department filed a motion arguing Sen. Leah Vukmir is immune from a Center for Media and Democracy lawsuit seeking records from an American Legislative Exchange Council conference. Van Hollen's stance stunned open records advocates.
Van Hollen says legislators must respond to public record requests as soon as possible. If a requestor chooses to sue to compel disclosure, lawmakers can invoke their constitutional protection from civil process — which is just what Vukmir did. He says he has no choice but to uphold the Constitution.
Copyright 2013 The Associated Press.
UPDATED Friday, September 13, 2013 --- 9:35 a.m.
MADISON, Wis. (AP) -- A Republican state senator is arguing that she can't be sued while the Legislature is in session in order to avoid turning over public records.
The Milwaukee Journal Sentinel reported Friday that state Sen. Leah Vukmir is using that argument to avoid an open records lawsuit filed by the liberal Center for Media and Democracy.
The center sued Vukmir in June contended that she had violated the open records law by not turning over records related to her involvement with the American Legislative Exchange Council.
On Wednesday, the attorney general's office filed a motion on behalf of Vukmir arguing she is immune from the lawsuit.
Brendan Fischer, the attorney for the center suing Vukmir, says her position has the potential to undermine the open records law.
Copyright 2013: Associated Press
Posted Thursday, September 12, 2013 --- 9:30 a.m.
MADISON, Wis. (AP) -- A process server says a legislative aide pushed him down when he tried to serve a Republican state senator with a lawsuit.
The Wisconsin State Journal reports the Center for Media and Democracy filed a lawsuit against Sen. Leah Vukmir in June seeking American Legislative Exchange Council records.
According to court documents, Bruce Lowery tried to serve Vukmir on Sept. 3 in her Capitol office. Lowery said Vukmir aide Jason Rostan chased him, pushed him down and called him vulgar names.
Lowery's wife tried to serve Rostan the next day. Rostan held his hands behind his back and refused to accept the papers. She finally touched them to his hands and left them on a desk.
Rostan told the State Journal he followed Lowery but Lowery tripped.
Copyright 2013: Associated Press


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Rebuilding Together joined forces Saturday with Bay Path College to take on the project of fixing up a home on Marion Street.
This was the second year in a row Bay Path has worked on a Rebuilding Together house.
Homeowner Marvenia Shubrick, whose oldest daughter has dealt with medical problems over the past five years, marveled at all of the work by the students.
"Look at this house, it is beautiful," said Shubrick. "They turned 'miss red' into a beautiful, gray, classy, historical home."
"It is really an important value at Bay Path to offer community service to our community," said Dr. Carol Leary, Bay Path College President. "We are thrilled to be here and I have seen the transformation."
Saturday's project was just a preview of what is in store for Saturday, April 27, which is National Rebuilding Day.
Rebuilding Together and its volunteers plan to continue their work on an entire block on Tyler Street.
Copyright 2013 WSHM (Meredith Corporation). All rights reserved.


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EconlibThe LibraryOther Sites |
The Online Library of LibertyA project of Liberty Fund, Inc.Search this Set:Also in the Library:
Plutarch, Plutarch's Lives (Dryden trans.) [1906]Edition used:Plutarch's Lives. The Translation called Dryden's. Corrected from the Greek and Revised by A.H. Clough, in 5 volumes (Boston: Little Brown and Co., 1906).
This Set Contains The Following Titles:


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This is an appealing feature and will be an important factor in choosing a camera/camcorder.
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This has no interest for me and will not influence my decision about a particular product.
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For two local high school girls basketball teams, the season extends for one more game, and it's a pretty big one. The Elizabethton and Chilhowie girls both won Friday night and will now play for their respective state championship games.For the Lady Cyclones, it was a three-point barrage that staked them to a huge lead before hanging on down the stretch for a 67-61 win over Westview. EHS led 40-25 at halftime, much of that coming from behind the arc in the Tennessee AA girls semi-finals.For ... More>>
Oak Ridge vs Dobyns-BennettCAK vs GreenevilleUnicoi Co. vs Knox CarterGrace Christian vs Hampton More>>
GirlsTN-AAElizabethton - 66, Christian Academy of Knoxville - 63TN-AMeigs County - 68, Cloudland - 66 OTNorth Greene - 54, Grace Christian - 49VA-AAGate City - 44, Wise Central - 38VA-AHonaker - 40, Chilhowie - 30 More>>
Dobyns-Bennett vs Jefferson Co.Unicoi Co. vs GreenevilleHampton vs South Greene More>>
Megan and Mekaila McReynolds from Dobyns Bennett High School signed today their Letter of Intent to go to The University of the Cumberlands in Williamsburg , Ky. Meagn has been a 4 year Varsity Letter bowler on the Dobyns Bennett Bowling Team. Meagan has also bowled in many tournaments state wide most recently she bowled in the Johnson City Prep Tournament last weekend finishing in 2nd place with a 197 average for 4 games. Mekaila has also been a 4 year Varsity Letter bowler for Dobyns Benne... More>>
With family and friends looking on Elizabethton Lady Cyclones softball catcher Caley Hodge signed a national letter of intent with Emory and Henry college.Last year she was named all conference and all East Tn. In three years herbatting avg. is 475 and she has 34 home runs.She was also recruited by Chattanooga. More>>
Elizabethton vs GraingerCloudland vs North Greene More>>
Dobyns-Bennett vs Sevier Co.Tennessee High vs Jefferson Co.Unicoi Co. vs Johnson Co.Elizabethton vs GreenevilleHancock Co. vs HamptonNorth Greene vs South Greene More>>
Mo. West vs Science HillD-B vs Jefferson Co.Sull. East vs GraingerNorth Greene vs CosbyScoreboard More>>
Seymour vs Science HillMo. East vs Dobyns-BennettVolunteer vs Mo. WestD. Boone vs Jefferson Co.Claiborne vs ElizabethtonGreeneville vs Sullivan EastBerean vs CloudlandScoreboard More>>
As we first reported at 6pm Daniel Boone head basketball coach Ryan Arnold has resigned.In 5 seasons at Boone Arnold compiled an 81-62 record. The Trailblazers finished 16-15 this season. More>>
Greeneville vs Chuckey-Doak More>>
Wednesday afternoon in front of family and friends Paige Jones a 4 year defensive starter for the Elizabethton Lady Cyclones soccer team signed a national letter of intent with Bryan College. More>>
Dobyns-Bennett vs Tennessee HighElizabethton vs Johnson Co.Hampton vs South GreeneElizabethton vs Sullivan East (girls)Cloudland vs North Greene (girls) More>>
Dobyns-Bennett vs Science Hill (girls)Sullivan East vs Sullivan South (girls)Elizabethton vs Happy Valley (girls)Elizabethton vs Sullivan SouthUnicoi Co. vs Johnson Co. More>>
District tournaments continued across the Tri-Cities Saturday, and a number of teams punched their tickets to the next round.Boys: Tennessee High: 52, Science Hill: 51 OT Dobyns-Bennett: 89, David Crockett: 81 OT Hampton: 81, Unaka: 61 Elizabethton: 62, Sullivan North: 51 Sullivan South: 65, Happy Valley: 57 South Greene: 61, North Greene: 47Girls: Science Hill: 64, David Crockett: 36 Dobyns-Bennett: 63, Volunteer: 48 North Greene: 65, Happy Valley: 57 Cloudland: 44, South Greene: 35 More>>
SHHS vs VolunteerTn High vs Sullivan CentralCloudland vs North GreeneJohnson Co. vs Sull South (girls)Happy Valley vs Unicoi Co. (girls)Cloudland vs Univ. High (girls) More>>
Volunteer vs Sullivan CentralDobyns-Bennett vs David CrockettScores More>>
It was a busy day of signing at Tennessee High Tuesday afternoon.... Eric Sampson kicked things off when when the linebacker signed a national letter of intent with Kentucky ChristianHis temmate defensive lineman Will Edwards with family and friends looking on signed a national letter of intent with Randolph-Macon collegeVikings defensive end Bryce Gibson is headed up the street after he signed a national letter of intent with the Wasp of Emory Henry college Vikings quaterback Peyton Henley ... More>>
Daniel Boone vs David Crockett More>>
The high school football field was packed with action on Friday night from Northeast Tennessee and Southwest Virginia:Elizabethton vs Science HillSullivan East vs UnakaDobyns-Bennett vs E. HamiltonCloudland More>>
Daniel Boone vs ElizabethtonHappy Valley vs VolunteerCherokee vs Sullivan SouthUnicoi Co. vs HamptonAvery Co. vs CloudlandFarragut vs Dobyns-BennettJohnson Co. vs Tennessee HighSullivan East vs David CrockettSeymour More>>
Click here to see Week 1 high school prep scores for northeast Tennessee and southwest Virginia. More>>
The high school football season got underway with week zero in Northeast Tennessee. More>>
AT HOLIDAY LANES IN JOHNSON CITY TODAY IT WAS THE REGION-ONE HIGH SCHOOL BOWLING CHAMPIONSHIPS. More>>
KINSEY KING SIGNED THIS AFTERNOON TO CHEER FOR MILLIGAN COLLEGE. More>>
Tennessee High defeated Science Hill Tuesday night 59-44 to end the Toppers 61-game conference winning streak. More>>
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Vs. 14, "He has raised up for his people a horn, the praise of all his saints, of Israel, the people close to his heart. Praise the LORD." This psalm is known as a wisdom/creation Psalm. All the heaven's and God's creation praise the Lord. We are not the only creation by God that praises His name. As you look at the beauty of this earth we live on, you can't help but realize that the beauty of God's creation sings declares Him. But most importantly, the creation that was created in His image sings out to God because He draws us close to Him.
Regarding application…All People PTL. Vs. 12, "young men and maidens, old men and children." Praising the Lord isn't something just Youth or adults participate in. Praising the Lord encompasses all people….children, youth, adults and elderly. At CTC church, on Good Friday this past year, we had a combined worship service that invited all ages to come. At first, we were going to exclude the children from this. Fortunately, we made the decision to have all come and we all were very blessed because of it. Families brought their parents, parents brought their little ones and we all worshiped the Lord Jesus together! It was a blessed night of all people doing what we were created to do: PTL!