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For most advisors, the Fourth Quarter means a year-end blitz to improve their production numbers, hours billed, and company or office standings. Realistically, there are only a few ways to do this:
1) Find more clients
2) Find more ways to serve existing clients
3) Make more sales
4) Make bigger sales
The majority will focus on the first of these, squeezing in as many cold calls, workshops, and client-appreciation events as they can. They'll rush around, becoming exhausted and frazzled—but not necessarily maneuvering themselves into a better position—by the time the holidays hit.
Many top producers, however, will slowly and meticulously examine their top clients' files to see if there are more ways they can serve them, planning out their referral discussions, and looking for ways to surprise and delight them enough that these advocates will tell their friends and family members about the magical experiences they are having. More business from existing clients and more quality referrals—without the frazzle and exhaustion. Their Strategy is Simple:
1. Serve them. Set appointments with your best clients. Review their files first to see if there's any way you can help them that you aren't already—whether it will produce immediate income for you or not. If they need an introduction to an accountant or a good podiatrist, serve them by being the source.
2. Use the holidays as an excuse to surprise and delight them. Fortunately, while the upcoming season may feel like crunch time, it also presents some great opportunities to get your clients talking about you. The first of these opportunities is actually Halloween. Just think of all the ghoulish possibilities!
Do your best clients have children who will be dressing up? How about investing in the Klutz Face Painting Book? It comes with easy-to-remove face paints and detailed instructions for creating characters. Or, pick up and deliver some great pumpkins and bring them to their homes.
For Thanksgiving, find out if your best clients will be traveling and, if not, order them a wonderful pumpkin or apple pie from a local bakery or pie company. Hand-deliver it a day or two before the Holiday—or on Thanksgiving morning.
Two years ago, my coaching client, Don, was invited in to meet his financial client's family when he showed up at the door with pie. In the presence of her relatives, his grateful client announced how much she enjoyed doing business with her advisor—how much they had accomplished and how much more they would have to do. A few days later, one of her guests contacted Don about starting to work together.
If pies aren't your thing, be creative. It's about astonishing your clients in a way that gets them smiling about their relationship with you and raving about you to the people they know. Brainstorm with your team. Is there something unique and special you can do to show them how important they are to you?
3. Talk about helping their families and friends. With another financial year coming to a close, do your clients have friends or family members who might need your services? If you can specifically identify someone in their circles, ask about him or her. If not, ask them if they know someone who might need your help before the quarter's done.
You can still go ahead and make those cold calls, book those workshops and events, but put your emphasis on existing clients—the people who already do business with you and will be joyous to rave about you to those they love. If you need more tips on serving up the right surprises, contact me. Either way, keep delivering what you do best, and keep REACHING…
Send someone a thoughtful and thought-provoking gift this season:
Autographed copies of my books, The High Diving Board and Become a Client Magnet. I'll even include a personal note that you can customize. There's no extra charge for the signing, nor for holiday gift-wrapping. Simply click here to order the 2-book package, and make sure to edit the Gift Options and/or Add a Comment or Request to let me know your needs.
Nine coaches, myself included, were sitting in a hotel meeting room in Scottsdale, Arizona, mesmerized by Master Coach Steve Hardison, the guest speaker at our workshop. To have Hardison coach you exclusively, you have to be willing to pay $150,000 up front, plus all of your travel and lodging to, from, and in Arizona (no refunds!) in order to meet him in his office at your appointed time every week.
Extending his fingers out into the room and gesturing above and all around us, Hardison urged: "There is no work to do out there, anywhere…Zero!"
"Our minds complicate the whole thing," he continued. "Listen to what you say here (pointing to his head) and here (pointing to his heart)."
"Everything is from the inside. Nothing is from over here (pointing to the outside world). Dial the right station. When you tune in to what you really want, it will show up. You are god with a small 'g'. You are creating your life."
"What could you speak into the world that would upgrade your thinking from a Ford Escort to the car of your dreams?" Hardison asked. "We are the sum total of what we speak about ourselves and the world. Our entire world is what we've spoken and thought. I speak it, and my world begins to occur for me. This is what's going to happen. Every action we take is based on how the world is occurring for us."
Hardison then told a story about once attending a movie, right before which he stood up and announced to the entire theater that he'd be giving away his client Steve Chandler's new book after the film to anyone who promised to read it. The people he'd come to the show with slinked down in their seats in fear of being associated with the crazy guy making a self-help announcement in the movie theater. One friend asked him, "Can you do that in a movie theater?" But after the movie, people lined up at the trunk of his car to pick up one of his client's new books.
"The way the world occurs to me," Hardison told us, "Is that I can ask anyone for anything if I choose to."
Imagine how successful you would be if the way your world occurred to you was the way the world occurs to Hardison: that you can ask anyone—anyone you choose to ask—to meet with you; you could ask anyone for a referral, or to buy whatever you're offering. And their answer wouldn't matter. It doesn't mean anything. It's just an expression of a preference.
"Would you like one of my client's new books?"
"No thanks."
"Would you like to upgrade that popcorn to a Large for 50 cents more?"
"No thanks."
"Would you like to sit down and talk with me about your financial situation?"
"No thanks."
The world-renowned insurance agent Mehdi Fakharzadeh, now in his nineties, asks the underwriters in his insurance company to issue two insurance policies for a new client: one for the amount they discussed, and one for double that amount. When he goes to deliver the policy, he shows his client both and explains the difference in the monthly fee. More often than you might think, the client takes the larger policy. The client has more protection and Mehdi earns a larger commission. Everybody wins.
But this only happens because the way the world occurs to Mehdi, he can comfortably offer a surprise, double-sized policy to his client while he is delivering what he or she expects, and without worrying that he has overstepped.
If you're not where you want to be in your career (or in your life), it's probably not because you need more information. What you need is a transformation—an alteration (or, an upgrade) in how your world is occurring to you.
To have me coach you exclusively, you just have to be willing to make the change. Contact me, and whatever upgrade you desire, I'll help you find the keys. You'll have to know they're somewhere inside, but until you're sure they're in your hands, we'll keep REACHING…
I've shared a good deal of information with you recently on being willing to brand (and speak up about) the special service experience that only you offer. Consider this a prequel to all of that. Good; so, you're special! But before we get into it…
The last time you sat down with a prospect, you probably went through some awkward small talk while you anticipated getting down to fact finding, when you could relax a little. After all, you've helped clients like this many times before. You've listened to them answer your questions and waited patiently until it was your turn to talk about insurance or financial concepts and strategies.
Then, as you got into your prepared interviews and well-practiced presentations, your confidence would grow a little, because now you had the opportunity to show your stuff. You were able to explain what you might do for each of these prospective clients. You told them why you love your work. You told them why your approach is unique—and it is—and that always felt great to share, didn't it? And they always seemed really interested in the conversation you were leading. So all that was left was for you to ask them to get started—to "close".
I mean, after all, potential clients only have one decision to make, right? It's simple: Would you like to work with me—yes or no?
Unfortunately, it isn't that simple. Prospects actually have Three Decisions in front of them, beginning at the time when you first approach them for an appointment:
(1) Whether to spend some of their precious time with you. If you're sitting down with them, they've already made this decision in your favor.
(2) Whether they want to change their status quo. A prospect may have no particular regard for his current advisor, and he may fully recognize the need for more or better insurance or professional advice, but he may still not want to do anything about it. This is the concept of inertia: A prospect at rest tends to stay at rest.
(3) Finally, the prospect has to decide that if he is willing to change, he wants that change to be with you.
If you've ever heard the words "I'd love to work with you…" and then couldn't get the prospect back to hear your proposal, then you were probably short-changing yourself on appreciating the magnitude (and rarity) of the Second Decision. It's one of the biggest mistakes advisors make in the sales process.
Deciding to change—from no advisor to having an advisor, from one advisor to another, from no insurance to having insurance, from one investment to another—is actually the most difficult of the Three Decisions. The prospect is weighing the status quo against what a change will mean, what the issues are, what his or her competing commitments are and what new commitments (financial, medical, legal, and mental) will involve, and who else might be impacted by this change.
She may have an advisor she doesn't like. She may actually know she needs help, or more insurance, or some other change in her financial or insurance situation. But she just hasn't yet made the commitment to do it. If a potential client has not yet decided she is ready to work with someone new, and you charge in with your "solutions" and your "methodology" and your "training, experience, and credentials", you have launched an irrelevant conversation.
You might think they need to understand the benefits of what you're proposing, but in the absence of the Second Decision, prospects have no interest in hearing your Third-Decision Discussion—the "why you". Until a prospect has made the Second Decision, Third-Decision behavior (discussing the solutions only you can provide) is futile.
Talking about your unique services with someone before the person has decided to change is one of the biggest reasons you've often heard those positive comments about your work, and then are surprised [yet again] when the prospect cuts off communication. He or she may have truly been enthusiastic about the idea of working with you, even if he or she hadn't made the commitment to do it. A single contradictory conversation with a brother-in-law, an accountant, or even a plumber could have been enough to send your shaky prospect back into hiding.
Ask questions to make sure the prospect is ready to hear solutions. The reward will be more meaningful commitments to hearing you out and moving into the Third Decision—in other words, fewer wasted presentations, and fewer lost sales.
If you could use help moving your potential clients into their Third Decision, you only need to decide you're ready to make a change before you contact me. In the meantime, keep REACHING…
*This article was inspired by a recent writing shared with me by my coaching colleague, Rich Litvin. I admit to "borrowing" some of his ideas and language.
You know the feeling: You gave the presentation of your life! You were "on fire". Every question was met with a dazzling, intelligent, emotional, cogent, coherent answer. Every idea that you could share with your clients or prospective clients found its way into your head and flowed bountifully into your words. But…
As you're driving home, you're not so sure. They seemed to love the first feature you spoke about, but there was something about their comparison of your second feature to the competitor's that might have indicated a preference for the competitor's services…
And then, there were those few awkward seconds when your attempt at humor went right over their heads…
And those few moments when you remember feeling you were a bit "salesy" or sounded a little too desperate.
And a piece of food from lunch was stuck in your teeth!…and your tie was on, but it was sticking out from under your shirt collar…and the stain you failed to notice until now…
Growing your network, giving presentations, interviewing for clients—or for work—definitely has its ups and downs. When the adrenaline rush starts to dissipate, the self-doubts to which we are all susceptible come flooding in. We begin to analyze everything we've done, finding fault with enough things to replace all the confidence we had a few moments before with an empty, aching feeling that we've somehow botched the whole endeavor.
Courtesy of DeviantArt.com
It's The "But" Monster at work. In my book, The High Diving Board, I talk about this creature whose original purpose was to prevent you from roaming out into the streets, or beyond the borders of your "safe neighborhood". As you grew and expanded that "neighborhood", however, The "But" Monster learned to hide better, but grew with you. Now, when he pops up out of nowhere, he's huge, and he's angry that you got past him in the first place to make that important call or presentation.
So, he welcomes you back home to him with the doubts that should have kept you from venturing out in the first place. He tells you, "Yes, you wanted to fly, BUT…you're really out of your league here." Or, "Sure it was a good presentation, BUT…you don't really know that much and your competition is probably much better, anyway." Or, "It was a good presentation, BUT…they were probably stuck staring at that food in your teeth."
"Why don't you just stay here where it's safe?" he urges. And he could be speaking powerfully enough to keep you wallowing in that self-doubt, and causing you to avoid the next venture altogether.
BUT…don't let The But Monster beat you!!! Here are some ideas that might help:
a) You can't stop the negative feelings from arising, so let them. Your lifelong gatekeeper is strong, immortal, and immutable. The one thing you can do is let him rattle on, but recognize that the doubts he raises are a natural reaction to your choice to go beyond your safe neighborhood. If you've accepted the concept that it's okay to be afraid in the pursuit of your goals, then accept this corollary: You can't stop the self-doubts, but you can decide not to let them slow you down.
b) It doesn't matter, anyway. No deal, no presentation, and no single event should matter so much that actually "blowing it" could possibly destroy your life or career. Get over your doubts about this one by jumping right into the next one. Hey—if nothing else, you'll have a new disaster to worry about!
c) Let go of your outcomes. Set your goals, do the things you need to do to reach those goals, and then stop worrying about how an individual situation works out. For every call or presentation you actually mess up, there will be another you get right.
If you need help changing your attitude toward the bumps in the road to your success, and toward your very own incidental "But" Monster, contact me. Or hone this outlook and other skills by joining me for my Mastering Client Referrals Workshop on Saturday, October 19th.
In the meantime, keep REACHING…
If you're a financial or insurance professional, join me on Saturday, October 19th for an all-day
Mastering Client Referrals Workshop.
Boost your year-end sales and start 2014 on a roll. For details, take a look at
Register by Friday to take advantage of the Early Registration Discount. Or call me at (609) 454-3810 and we'll talk about whether this program makes sense for you.
Most people don't really understand what courage is. When I ask them to define it in my workshops on Overcoming Fear, the answer I often get is "the absence of fear".
But this answer isn't accurate. While there are a few seemingly fearless fighters, most military personnel will admit, when you ask them, that they were afraid much of the time they were in the field.
Courage is not the absence of fear; it's action in the face of fear. These brave people risk—and sometimes sacrifice—their lives, but not without fear. They do what has to be done, despite the fear.
Wherever I go, I find professionals and entrepreneurs struggling to grow their businesses or advance their careers. These are people with all of the technical skills they need to be successful, but they're still, somehow, not getting what they want.
(1) they don't know how to get it, or
(2) they know what they need to do, but they are allowing their fears to hold them back.
Other times, more simply:
(3) they haven't yet decided to make the change.
If you feel like your practice ought to be growing, but you're just stuck, start by recognizing that one, both, or all three of these factors might be at play. If fear is one of them, understand that it's okay to be afraid when it comes to stepping into sales and marketing and other "dangerous battlefields". Admit that you are afraid. But don't respond by backing away.
Ultimately, the fear itself can't hold us back from having what we want and need in our businesses or lives—how we view fear and our learned response to fear are the real threats. We feel the "fear factor"—the butterflies in our stomachs, the rapid pounding in our chests—and the little voice in our heads warns us: "It's not okay, back away." And we obey.
When we were children, this response probably saved our lives many times. We'd feel those feelings when we came too close to a hot stove or stepped into the street. But as adults, if we so much as think of picking up the phone to make that prospecting call, or attending a networking event, or making a presentation—our "back away" response keeps us from doing what we need to do.
The good news is that if we learned this response, we can unlearn it and replace it with something better:
"It's okay to be afraid, but if this is my goal, then I have to do it."
Mel Gibson in We Were Soldiers (2002)
If you can get past the fear on your own, do it. If you can't, decide to hire someone who can help you, or contact me to take a step in the right direction and back onto the playing field. No matter what you choose to do, if you have a mission, keep REACHING…
Are you aggressively selling your services and finding that few prospective clients—even those who are clearly in your target market—are buying?
Or, maybe you're struggling to find new clients because you're afraid that if you reach out to people you'll appear to be selling—something you just can't bring yourself to do?
"What is selling?" I ask at the beginning of many of my programs.
This question elicits a variety of answers that provide a window into the thinking of the professionals and entrepreneurs in attendance:
"Trying to convince someone to buy what you offer," says one.
"Saying things that persuade someone to agree to buy your services," says another.
"Manipulating someone into feeling he or she has to have what you offer," a third might say.
"If your view of 'selling' your services is something along these lines, it's no wonder that you can't fill your practice or find enough clients for your businesses," I tell them.
Courtesy of www.Entrepreneur.com
After pausing for effect, I explain, "If by 'selling' you mean some kind of noisy, pushy, aggressive 'hawking' of your services, you've already either sensed or discovered that 'selling', as you've defined it, doesn't work."
"But what if you had a different view of selling?" I ask them. "What if selling was asking appropriate questions so that your prospective clients understand that they need what you offer?"
"Stop selling," I tell them. "Start attracting business instead."
For the rest of the seminar, we usually discuss the distinction. Among the points I ask them to consider are these:
a) How to develop an "attraction" mindset. What you offer is something valuable—something that people want or need. If you have any clients at all, you've already proven that. People ought to know about your practice or business. You should be proud to tell them about it. But you don't have to "push" it on them.
b) How to resist the urge to "sell" and ask great questions instead. The "selling" that doesn't work usually involves identifying a potential client and then trying to "close" him or her on a meeting with you or on the purchase of your services.
Tell a prospective client what you do and then ask his permission to explore his situation. The conversation might end right there, but since people do like to buy—and you're not selling—he's likely to agree to let you explore. Once you have permission, ask questions designed to unearth some specific need or desire.
c) How to address the specific need or desire. Then, instead of talking about generic features and advantages of your services, discuss how what you do meets the specific need or desire uncovered by your questions.
To learn how to stop selling and start connecting with clients, contact me. In the meantime, keep REACHING…
As a coach, I work with all kinds of already successful people looking for help to bring their careers—and lives—to the next level. Most are selling professional services of one kind or another, and much of the time, they are doing so as part of an independent business or practice. Their next level is getting more clients, getting better clients, or simply turning the clients they have already into fiercely loyal advocates who will keep working with them for years to come.
Many of my clients come to me with an idea—a paradigm—that the only way they can grow is to do something they dread: marketing, prospecting, or (horror of horrors): "selling".
Danny DeVito in Matilda (1996)
"But I'm an advisor," my client Bob protested a few years ago, "not a SALESMAN."
The picture Bob had in his mind of someone who "sells" is the pushy salesman on the used car lot with the loud plaid sports jacket, the phony smile, and the bad toupee. Who wants to be that guy?
Like most professionals who are not precisely where they want to be, Bob couldn't fill his day working with quality clients for two reasons:
1. He didn't know how to attract more business; and
2. He was apprehensive about cold calling, making presentations, and other "salesy" things he was sure I'd be making him do.
"What if instead of worrying about marketing, prospecting, and selling, you just positioned yourself to attract the clients you want?" I asked Bob.
"I don't know what you mean," he responded, "but that sounds a lot better than selling."
If you're just another financial advisor, insurance producer, or attorney, you're faced with competition from dozens—or hundreds—of people doing the same work that you are. You're just another "white crayon". You will get business, but your ability to get more and better clients will be limited. Sending out mailings and refrigerator magnets, making cold calls and other marketing and sales activities might pull in the occasional new client, but what will work faster and better is having a way to distinguish yourself from all of the other white crayons.
Instead of struggling to sell your services, position yourself as a provider who can fulfill a specific need for a specific type of client.
Every day, I speak with people who are telling their prospects they are brokers, or consultants, or coaches, entrepreneurs or service providers, without differentiating themselves from all of the other people who do "the same thing". Each of them is just one more white crayon in a box filled with white crayons.
The point they're missing is that clients are more attracted to experts and specialists—to someone unique—than to general practitioners who look like all the other general practitioners in any field. Your prospective clients are looking for the Red Crayon. Start attracting them by giving them what they're looking for.
When I explained this to Bob, he protested that he couldn't be a Red Crayon. He was "just another financial advisor". When I connected with him on social media, however, I found several posts he had written about putting four of his kids through college.
His expertise on this subject was already a way he could attract clients. But as we spoke, he mentioned how he had put himself through college, because his own parents couldn't afford to help him.
These were two powerful personal stories that made Bob a Red Crayon, which would, if properly displayed, comfortably attract many more new clients than any "sales" effort ever could.
Why wasn't his practice already as full as he would have liked it to be? Until now, Bob had always chosen to be "just another financial advisor". Like many of us, on some level, he was afraid to be an individual in order to have the kind of success he deserved.
If you recognize that what holds you back is fear, try my book, THE HIGH DIVING BOARD: How to Overcome Your Fears and Live Your Dreams. If you know your hang up is not wanting to be a "pushy salesman", look out for my upcoming workshop on MASTERING CLIENT REFERRALS without even having to ask for them, or contact me to find out more.
In the meantime, be your own Red Crayon, and keep REACHING…
I have written before on the Three Universal Marketing Questions that anyone selling his or her services needs to know the answers to:
(1) What are you offering?
(2) To whom are you offering it?
(3) Why should they hire you?
The third point—the "why"—seems to be the most troubling for many people.
"You should work with me because I really care about my clients," Terry, a 2-year veteran financial advisor, posed in a role-play sales conversation with me.
"But that's exactly what [your competitor] said to me," I responded. "Why should I choose you over her?"
Terry was stumped. "If we're all white crayons in a box," I continued, "What difference does it make which crayon I pick? All of them would tell me, if they could talk, that they are really good at coloring inside the lines." Once again, Terry could not answer.
"What is different about you," I asked him again, "from all the other people who do what you do?"
"Well, I'm not really different in any particular way" he started, "we all provide the same kinds of planning services and give advice aimed at the same goals…I just know I would be more caring than anyone else."
"What makes you think so?" I pressed.
Terry thought for another moment, and finally responded, hesitantly. "My father died when I was just a teenager and left us with no money, so I know how important having money is—and I made up my mind that I would spend my life helping people prevent that from happening to their families."
As soon as the words were out of his mouth, Terry's face brightened. He realized he had stumbled onto the perfect answer—for him—to the "why you" question.
When you can tell people why they should hire you or use your services in a way that distinguishes you from the other crayons in the box—perhaps by using powerful, personal stories or strong metaphors—you'll get more business.
If you don't have a clear answer to the third, or any of the Three Universal Marketing Questions, contact me for help. Don't be afraid to stand out of the box, and keep REACHING…
Be sure to check out my recent interview on entrepreneurship, sales, and success at Letsmote.com!
If you fear rejection—in your telephone conversations, or when you ask a prospect to engage your services—you'll definitely want to spend just 24 minutes viewing the following Video Lecture by Chinese-American entrepreneur Jia Jang at the World Domination Summit.
Jang talks about the fear of rejection that almost caused him to give up his dream of creating his own company. He mentions going online to a site where he learned about "Rejection Therapy".
When I saw this, I was intrigued. I had given countless workshops wherein I challenged participants to purposely ask for things that they were previously sure would be denied to them, but I had not yet heard of "Rejection Therapy".
After one of my Manhattan workshops, two of the attendees who had flown in from the Midwest went to a bar together and asked the bartender for free drinks, expecting a "no" response. They told the bartender that this was their first time in New York and that they wanted to make sure the drinks were good.
To their surprise, the bartender gave them the drinks they requested, making it clear that he would allow them just one each.
When they excitedly shared their adventure with our group the next day, the point was clear:
Ask. You may just get what you ask for.
I wondered if there really was a website about "Rejection Therapy" and if it was anything like what I was already doing in my workshops.
It turns out that Canadian Jason Comely is the founder of rejectiontherapy.com, where he defines a real life game with only one rule:
"Please notice the wording of the rule," Jason tells us. "It doesn't say you must attempt or try to be rejected. The rule is you MUST be rejected by another human being. In this game, rejection is success. No other outcome will meet the requirement of Rejection Therapy."
If you want to play the game, visit his site, and read about what counts as a rejection attempt and a successful rejection. Jason freely shares his game and offers a game card you can use (not required) for just $10.
In his talk, Jang tells us that in "playing" Rejection Therapy, he asked a police officer if he could drive the police car and a pilot if he could fly his small plane. To his surprise, both let him do it—just because he asked. In fact, in my workshops, many of the outlandish requests made by my attendees are granted. Some have told me they found it difficult to actually be rejected.
If you often don't ask for appointments or referrals, or a sale, because you're afraid of being rejected, spend 100 days playing Rejection Therapy. You'll learn the lesson that Jang did: that it's OK if someone says "NO". It's just his or her reflex, capacity, or opinion—nothing more.
Contact me today for help, and if I have availability, give me an opportunity to surprise you with a "YES". Either way, keep REACHING…
Last week, we discussed the second of three basic yet essential skills that will help you get, and keep, more and better clients:
(1) The ability to ask provocative questions
(2) The ability to listen with total focus on your client
(3) The ability to relate compelling stories and metaphors
At last, we've made it to the Third Skill:
3. The ability to relate compelling stories and metaphors. Testimonials about your service help you get clients, because human beings are hard-wired to believe and love stories. Even before people developed a fully-spoken language, they could tell stories with cave paintings. As language progressed, one of its first uses was to communicate tales of great exploits, while sitting around the campfire…
Painting by George Strickland, courtesy of the Witte Museum.
But even when there are no clients around to give Testimonials—or campfires to sit and chat around, for that matter—stories of your service exploits can assist you in turning uncertain prospects into ready clients.
My client Michael, a financial professional, is a Master at "sales" stories: "Joe, your situation is very similar to that of another client I'm helping at the moment. He approached me a few years ago, having lost a bit more money than you did…but what his last advisor did to him was almost identical to what yours did to you. He also struggled with whether he should get back into the market or not. But after we talked that first time, he decided that he couldn't let a past mishap get in the way of his retirement, and we've been working together successfully ever since!"
It's a rare instance when a prospective client doesn't come on board in the face of stories like these.
Michael also uses metaphors. I remember our discussion about a client of his with a small retirement fund, who asked him whether he thought she could handle it herself, without an advisor. "Sure you can," Michael told her, "But you'd be like a leaf on a rushing stream. With no rudder and no one to steer, you'd be rushing toward whatever result the system had in store for you."
Michael delivered the "steering" service he promised, and the woman remained a fiercely loyal client.
One of my favorite Masters of Metaphor was Ben Feldman, who is considered possibly the greatest insurance salesmen in modern history. Ben could look prospective insurance-purchasers in the eyes and say things like, "with the stroke of a pen, you create an estate," and the prospects would pick up their pens to sign the application Ben had brought with him.
Another client of mine, Larry, is a financial advisor, as well. To explain a Roth IRA to his clients, Larry uses a farming metaphor:
"If you were a farmer and you had to pay taxes," he asks, "would you rather pay taxes on the seed, or on the crop that you harvest?"
"The seed, of course," is the prospect's usual reply.
"Why is that?" Larry asks.
"Well, the tax on a huge crop is probably a lot more than the tax on the seed would be," goes the response.
"That's why I want you to make this investment," Larry tells his prospect. "You'll have already paid taxes on the seed—and you'll be able to harvest the crop tax-free!"
As this plays out in real life, Larry manages to put all Three Sales Skills together in his presentation to prospects. He asks provocative questions, listens with focus to their answers, and reacts empathetically by relating compelling analogies that help explain in clear terms how he is able to serve his clients.
Contact me, and I'll help you develop these fundamental skills—or take them to the next level. In the meantime, keep REACHING…
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It was 15 years ago, in the aftermath of Eminem's first major label album, The Slim Shady LP, when Em and his manager Paul Rosenberg launched ...Read More
Eminem And D12 Are Making Music Again
According to a former collaborator, Eminem has reunited with D12 and already has three tracks done with the group. In an article with a local publication, ...Read More
Proof Would Have Been 40 Years Old Today
Today would have marked the 40th birthday of Eminem's hype man and D12 member, Proof. Real name DeShaun Holton, Proof was a permanent staple of ...Read More
Today In Hip-Hop: Proof Of D12 Murdered
On this day, April 11, in hip-hop history... 2006: Proof of D12 was killed in a gunfight in his native Detroit. According to reports, the friend and ...Read More
Today In Hip-Hop: Eminem & Royce Da 5'9″ End Feud
On this day, March 12, in hip-hop history... 2008 - Five years ago today, Detroit veterans Eminem and Royce Da 5'9" officially ended their long-standing feud. ...Read More
Fight The Power: Hip Hop's 10 Best Music Video Riots
In light of Jay-Z and Kanye's violent visual for "No Church In The Wild,"XXL looks back at 10 other classic music video riots...Read More
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On April 11, 2006, Detroit lost one of its beloved hip-hop sons, Proof, when he died from gunshot wounds following a shooting in a local ...Read More
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It looks like Eminem's Dirty Dozen is yet again without a founding member. Rapper Bizarre told HipHopDX in a recent interview that he is no longer ...Read More
Bizarre (of D12) Gets Tattoo of Nicki Minaj [Video]
A little late on this but, Bizarre recently showed just how much he loves Nicki Minaj by getting a tat of her face on his ...Read More
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subset: commoncrawl


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6500 N 56th St
(813) 626-0651
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9 reviews
Customer feedback is extremely important to us. We use these reviews to guide our efforts and improve our service. Everything that follows is direct from our customers, without any filtering or editing on our part.
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Very nice lady at the front office. She took care of us in a matter of minutes.
Very courteous staff!!!
the person at front desk was awsome,and deserve a raise and a job well done , please let this valued employee know he did an outstanding job....
Get a bigger location
Very friendly and helpful employees. I have used U-haul many times at different locations throughout Tampa , this was by far the best.
Very clean and bright office. The staff members knew what they were doing. I highly recommend this location.
Location needs more space to park trucks. Sales rep. says cannot meet customer demand with limited inventory.
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U-Haul International, Inc.'s trademarks and copyrights are used under license by Web Team Associates, Inc.
To reserve by phone, call 1-800-GO-UHAUL (1-800-468-4285)


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Moving house with military precision
I just moved house this week. (Had to. Lease unexpectedly terminated.) And colleagues and friends keep asking me how it went. I've decided on the right thing to say: "It was all executed like a military operation."
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A community designed for people affected by vocal disorders
- Vocal Disorder Services
- Spasmodic Dysphonia
- Dysarthria
- Muscle Tension Dysphonia
- Vocal Cord Dysfunction
- Vocal Fold Paresis/ Paralysis
- Vocal Fold Nodules
- Vocal Fold Polyps
- Friends / Family / Supporters
- Recovered from Vocal Disorder
9 members13 Comments 1 Favorite
22 members17 Comments 8 Favorites
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Added by Pamela 3 Comments 2 Favorites
Greetings! This site is a forum for connecting and supporting people with various vocal disorders. We also welcome family/friends/supporters of those who deal with the disorders and professionals who provide treatment and/or research in these areas.
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Started by Bev in General. Last reply by Bev Nov 11. 4 Replies 0 Favorites
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Posted by amanda harding on June 7, 2012 at 4:05am 53 Comments 5 Favorites
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Posted by Asadullah on July 11, 2012 at 5:30pm 33 Comments 2 Favorites


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Originally written on Beyond The Buzzer | Last updated 11/12/14
It's no surprise that DeJuan Blair may be moved prior to the trade deadline on February 21. The San Antonio Spurs have been shopping him for quite some time, and nearly traded him in June. In the days leading up to the 2012 NBA Draft, the Spurs spoke to a number of teams about the 23-year-old big man. They nearly sent Blair to the Miami HEAT, but the deal fell apart. Now, San Antonio is once again shopping Blair and seeing what teams are willing to offer. Over the offseason, Blair worked hard and lost a lot of weight, hoping to return to the Spurs' rotation. However, he's once again playing limited minutes, especially in the last month. With the Spurs signing Australian big man Aron Baynes on Wednesday, it seems that Blair's days in San Antonio are numbered. They'll likely cash him in before the deadline rather than letting him walk as a free agent next summer. via HoopsWorld
Original Story: http://feedproxy.google.com/~r/Beyond...
PLAYERS: DeJuan Blair
TEAMS: Miami Heat, San Antonio Spurs
TEAMS: Miami Heat, San Antonio Spurs
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The surprising factor that affects how well you sleep
Easy 5-minute cardio workouts
Do 'natural' hand sanitizers actually work?
Workout bags you'll actually be proud to carry around
What is the best exercise to lose weight?
Is it possible to get an effective workout in only 10...
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Parque Carolina
Studio | No Bedrooms | sleeps 3
|Key Info
The spacious and light-flooded 34sq. meters studio welcomes you to Tenerifes, Parque Carolina complex.
Two comfortable full size beds with quality mattresses, a giant cupboard with sliding mirrored doors and sofa that converts into a bed for a third person or child.
Kitchenettes are fully equipped with all neccessary appliances such as a coffee maker, toaster, hot plates and frigidaire. Pots and pans as well as dishes are at your disposal for preparing your meals.
The bathroom is equipped with shower, washbasin water-closet and bidet and is built to the highest of standards with quality installations and top tiling works done recently. Towels are suppied by the house. They are changed twice weekly, the bedsheets once every 7 nights. Feel free to ask housekeeping for a more frequent change if neccessary.
|Sleeps up to 3, Studio
|Will consider
|Long term lets (over 1 month)
|Car not necessary
|Nearest travel links
|Nearest airport: Tenerife south (Reina Sofia) 20 km
|Family friendly
|Great for children of all ages
|Pets welcome, Yes, smoking allowed
Features and Facilities
|Table tennis, Safe, Satellite TV, Wi-Fi available
|Kettle, Toaster
|Cooker, Microwave, Fridge
|1 bathrooms of which 1 Shower rooms
|1 Sofa beds, Single beds (2)
|Linen provided, Towels provided
|Balcony or terrace
Santa Cruz de Tenerife
Costa del Silencio is a real alternative to the crowded and bustling tourist centres of Las Americas and Los Cristianos. With all amenities nearby but without the stress and noise!
Availability Your dates are available
Guest reviewsPowered by TripAdvisor
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This holiday home hasn't got any reviews yet. The average rating on Holiday Lettings is four out of five. This place could be newly added or perhaps it's a well kept secret. Either way, it's time to reveal all.
This advert is created and maintained by the advertiser; we can only publish adverts in good faith as we don't own, manage or inspect any of the properties. We advise you to familiarise yourself with our terms of use.
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You're booking with
Dieter F.
- 7 Years listed
85% Response rate
Calendar last updated:21 Nov 2014
Based in Spain
- English
- Spanish
- German
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text: 1000 pts Louisiana State Quiz <KEEL VIP Photo: Rauluminate How much do you know about Louisiana? Take the quiz and earn VIP points! Sign in to Participate Category: Q & A Ends: Sunday August 31 at 9:59PM CDT Share on Facebook Share on Twitter More Leave a comment Send to a friend! Print this page Pin it! Reddit This! Share on Tumblr! More Ways To Get and Use Points Keurig Brewing SystemThanksgiving Gift CardToy Store Shopping Spree$100 GameStop Gift Card$100 Bass Pro Shops Gift CardHome Theater Sound Bar


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Dr. James G. Blount, MD
Family Medicine, Carolina Family Practice & Sports Medicine
- 3700 NW Cary Pkwy Ste 110
Cary, NC 27513
- 1 Office Location
- (919) 238-2000
Dr. James G. Blount has been practicing medicine for 16 years. Dr. Blount graduated from the Wake Forest University School of Medicine in 1998. He practices medicine in Cary, NC and specializes in Family Medicine and Sports Medicine. Dr. Blount is affiliated with Duke University Medical Center. He speaks English and Spanish.
Gender: Male
Years in Practice: 16 Years
Languages Spoken: English, Spanish
Medical School: Wake Forest University School of Medicine
Graduation Date: 1998
Hospital Affiliations: Duke University Medical Center
Specialties: Family Medicine, Sports Medicine


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Back to Breitbart TV
Obama refused to go to witness the urgent humanitarian situation at the southwest U.S. border opting instead to speak in Dallas. He said, "We intend to do right by these kids but parents need to know it's unlikely thier children will be able to stay."
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Oh boy. Well, after 10 days of waiting, NBA free agency is finally picking up. LeBron James to Cleveland and, now, we have Jeremy Lin heading to Los Angeles! At first glance, this trade might not appear to be a big deal, but taking a little deeper of a dive, this is big for the… More
Why Amar'e Should Get Traded
There have been rumors — albeit hearsay for now – of a trade involving Amar'e Stoudamire on his way to the Philadelphia 76ers. The trade would involve the often sidelined forward, as well as a package involving picks and coveted guard Iman Shumpert, and for what you may ask?! Losing! That's right, word around the league is… More
2014 Summer League Starts Today: Knicks vs. Mavericks
Lost amidst the free agency bonanza is the start of the 2014 N.B.A. Summer League. The SummerKnicks begin their road towards becoming SummerChampions as they face off against the SummerMavericks. The game begins at 4 p.m. and will be broadcasted live on the MSG Network. Fans will be able to get their first glance at… More
Carmelo Anthony could get free lap dances for life
Scores New York is a strip club in Manhattan that is looking to capitalize off the free-agency frenzy taking the nation by storm. If Carmelo Anthony is to stay in New York, Scores has put together a "Melo Love" package for him to enjoy. The package includes (1) free lap dances for life, (2) the… More
Carmelo Anthony: "I Believe in Phil."
After days of guessing and pondering, it appears as if Carmelo Anthony is going to re-sign with the New York Knicks, barring a last-minute change of heart. NY Daily News' Frank Isola is reporting that a person close to Anthony says that Melo "wants to get it done in New York" and that he believes in… More
Is Carmelo Anthony Waiting for LeBron James to join him in New York?
The New York Knicks were supposed to get a decision from their marquee free agent as early as yesterday. Now, Marc Berman is reporting that he may be holding out with hopes of playing with LeBron James in New York. Can it happen? Yes. How likely is it to happen? Fairly improbable, but, not impossible…. More
Carmelo Anthony is kicking it back to the '90s
It might be 2014, but in terms of Melo's impending free agent decision, let's pretend it's the '90s again. Carmelo Anthony has seemingly narrowed down his destination to two cities, which happen to be the two largest cities in our nation – New York City and Los Angeles. Both are appealing options for Melo, as… More
Carl2680 sees the future?
Remember, two weeks ago, when all of a sudden reports came out of nowhere that Jason Kidd was in a toxic relationship with the Nets' owner, Mikhail Prokhorov, due to Kidd's desire to gain more power? Well, before national and local reporters broke the news, there was a mysterious man named Carl2680, a poster on… More
Carmelo Anthony has narrowed decision down to two coasts
Seeing how Bulls, Rockets and Mavs are all engaged with other free agents sure suggests they buy premise Melo is down to Knicks and Lakers — Marc Stein (@ESPNSteinLine) July 7, 2014 ESPN's Marc Stein is reporting that the Carmelo sweepstakes is down to two contestants: The New York Knicks and the Los Angeles Lakers…. More
76ers interested in Stoudemire?
According to a report on ESPN Radio, the New York Knicks and Philadelphia 76ers have had discussions about sending Amare Stoudemire to Philadelphia. Stoudemire has one-year and $23 million deal remaining on his deal and is a desirable player for a team like the 76ers because, quite honestly, he will help them tank (and cut… More


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How To Host The Perfect "Friendsgiving"
Splurge this Thanksgiving and start a new tradition, 'Friendsgiving,' with these helpful tips.
The 3 Best Thanksgiving Day Pie Recipes
Three new great pie recipes for you to add to your Thanksgiving table. Bring all three and really impress the family this year.
5 Thanksgiving Getaways With Your Family
What are you thankful for? This year, you might find that your answer is long weekends, memorable adventures and time spent with the ones you love, so ditch the turkey in favor a quick getaway over the four-day weekend.
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Don't get lost in the sea of sales, coupons, flyers and email lists. Take a little time to organize and you can save a bundle this holiday season.
Atlanta Airport Travel Up During Thanksgiving Weekend
1.8 million passengers passed through Atlanta-Hartsfield-Jackson International Airport over the Thanksgiving holiday weekend, an increase of 5.6 percent from last year.
10 Holiday Do's and Don'ts
Holiday time is upon us yet again, and before the stress weighs you down, it's a good idea to have a plan in place to help ensure that you'll make it through the season with a smile.
Easy Ways to Save On Holiday Travel
From shipping your luggage to taking public transportation to the airport, we've assembled a few of our favorite tips for saving money on holiday travel. You don't have to waste your whole holiday budget on getting home this year!
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Alright, Singletons, it's time to stop moping around feeling sorry for yourself for being single during the holidays. We have five reasons to celebrate your solo status!
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In the pre-dawn hours Friday, as some early-rising shoppers were heading into malls in search of Black Friday deals, others had been up shopping all night in stores that opened the evening of Thanksgiving or at 12:01 a.m. Friday.
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The endless genius of the NFL can't be completely quantified. But part of pro football's popularity is burning its image in our culture and our consciousness. While baseball and basketball have their July 4 and Christmas brands, they are afterthoughts, or leftovers, compared to the NFL's hallmark roll call.


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Find our most recent stories tagged by their locations. Click here for more story locations.
Posted: 04 Feb 2014 | 6:00 am
Cherngtalay's buzzing Boat Avenue is commencing with a weekly Friday market starting on February 7th.
Tagged as Fun Friday Avenue the event runs from 1600-2100 at the front of Villa Market.
The Laguna area is seeing a boom in new retail and F & B offerings back of the surging residential supply coming online.
Top Chinese economy hotel chain now in Thailand
Uber ride share now in Phuket
Looking for hotel exec job in Asia/ Try TopHoteliers
A column featuring environmental issues and conservation around the island. Click here for more Green Reports check out the latest story from the leading experts:
Zinc Journeys Gains Green Recogniation
Zinc Invision's eco luxury resort in Sri Lanka has earned a WTTC environmental awards.
Aleenta Leads Carbon Free Cooking Initiative
Thai hotel Aleenta Hua Hin has initiated a carbon free cooking drive, aimed at improving the property's sustainable footprint.
Thai Increases Hong Kong Flights As Dragon Air Alternative
Bespoke Luxury Concierge Services Hit Market
Library of published hospitality, tourism and property market intelligence.
The Cove's Ric O'Barry Talks About Phuket dolphins
PHUKET GAZETTEBill Barnett's Property Watch Column Comes To An End
PROPERTY REPORT SOUTH EAST ASIADevil In The Detail


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We picked this hotel due to its proximity to the airport. We usually stay at another local hotel, but it didn't have any family rooms available. We booked a suite for 75.00 or 85.00 euros not sure. Entering the lobby you felt like you are us a sauna, one elevator smaller than a phone booth, entering the room....another over situation.... More
- Reservation Options:
- TripAdvisor is proud to partner with Booking.com, Expedia, Hotels.com, Travelocity, Priceline, Agoda, Otel, Despegar.com, Odigeo, TripOnline SA and Tingo so you can book your Four Seasons Hotel reservations with confidence. We help millions of travelers each month to find the perfect hotel for both vacation and business trips, always with the best discounts and special offers.
- Also Known As:
- 4 Seasons Hotel
- Four Seasons Thessaloniki
- Thessaloniki Four Seasons


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by Anna Pietrzak
Phone Skins
Skins are thin, easy-to-remove, vinyl decals for customizing your device. Skins are made from a patented material that eliminates air bubbles and wrinkles for easy application.
Photoshop Collage
- 37Promote
Really like your work as well! I work in advertising and these really stand out. Very clean, graphic and smart. Good stuff!


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Energy-Savings Tips
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Clothes Washer/Dryer
Water Heater
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Clothes Washer
Select the water level to match the load size, or wash only full loads. Add detergent under spray as washer is filling to best circulate the detergent.
Follow detergent instructions carefully. Oversudsing actually hampers effective washing action and may require more energy in the form of extra rinses.
Use short cycles for lightly soiled and delicate clothes.
Always push the timer in before changing cycles. This prevents arcing of timer contacts and timer failure.
Add fabric softener only during final rinse, and never directly on clothing. It can cause grease-like spots.
Clothers Dryer
Clean the lint filter after every load.
Dry clothes in consecutive loads. Letting the machine cool down between loads wastes energy.
Ease ironing chores and conserve energy by removing clothes from the dryer as soon as possible after the cycle completes and before wrinkles have time to set. Clothes that are promptly folded or placed on hangers often need little or no ironing.
Keep the outside exhaust vent of your clothes dryer clean. A clogged exhaust lengthens drying time.
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A kitchen offers almost endless opportunities to practice energy efficiency. For instance, pans with perfectly flat bottoms use energy more effectively on electric range elements than pans with rounded bottoms do.
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Welcome to laylaa's Member Page
See my Clippings See my Journal See my trade list
the email I have listed here does not work. Please try karyls at gmail.com. You know, remove spaces and change to @ so I don't get spam botted to bits. Thank you!
I live in: United States
My zone is: 7b
My favorite forum 1 is Bird Watching.
My favorite forum 2 is Wildlife Garden.
First registered on January 02, 2008 .


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Man indicted for deadly Oaks Day shooting
Published On: May 14 2013 11:57:33 AM EDT
Updated On: May 14 2013 12:11:12 PM EDT
Updated On: May 14 2013 12:11:12 PM EDT
A grand jury has indicted a man for a deadly shooting that happened on Oaks Day.
Terrance Terrell Dobbins is facing several charges, including murder and tampering with physical evidence.
Police say Dobbins killed 26-year-old Quintez Thompson in front of Dino's Food Mart at 26th and Broadway.
Dobbins is being held on a $100,000 full cash bond.
The views expressed are not those of this site, this station or its affiliated companies. By posting your comments you agree to accept our terms of use.blog comments powered by Disqus


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Birds around the world take flight LONDON – A bird's eye view of jolly ol' England — literally. But it's not a simple joy ride — the aerial footage is being used to raise awareness of endangered birds of prey, in conjunction with a contemporary art exhibition called "Here Today". The Imperial Eagle may be […]
continue reading »
Lakehead Women's Volleyball Team Wins in Kingston
Kingston, Ont – SPORTS – The Lakehead University Thunderwolves women's volleyball team got their second win of the season Saturday, 3-1 over the RMC Paladins (28-26, 25-19, 23-25, 25-21). Boxscore Lakehead fought hard into extra points in the first set, eventually gutting out a 28-26 win to take the early lead, which they then extended to […]
Lakehead University Retail Survey to Help Communities in Northern Canada
Northern Retail Practices Impact Life in Canada's North THUNDER BAY – Lakehead University researchers Kelly Skinner and Kristin Burnett are studying retail food practices in Northern Canada. Prices, store policies and practices at grocery stores across Northern Canada impact the lives of people in communities across the north far more than most people realize. Unlike […]
PGA TOUR Canada Players Heading to Web.com TOUR
THUNDER BAY – The Staal Foundation Open in Thunder Bay brought the PGA TOUR Canada to the city last July. The excitement of the tournament, which will return next July to the Whitewater Golf Club brought world class golf to the city. Players on the PGA TOUR Canada are starting their journey in professional golf. […]
From the House – John Rafferty MP
Week of Scandal and Collapse in Ottawa OTTAWA – It was quite the eventful week in Ottawa. From another major scandal emerging in the Veterans Affairs department to the virtual collapse of the Ring of Fire mining project, it was one for the books. The major scandal surrounding spending, actually lack of spending, at Veterans […]
Solid start for Thunder Bay Queens in Tournament Play
THUNDER BAY – SPORTS – It was a solid start Friday for the three Thunder Bay Queens teams competing in tournaments as they went a combined 3-0-1. After the Harbor Center Cup in Buffalo, N.Y., the midget A Queens had their schedule altered due to the massive amount of snow that that area had received […]
An Eternal Beacon: The Lasting Legacy of JFK
THUNDER BAY – PERSPECTIVE – How fleetingly fifty plus historic years melt away. This Saturday, November 22nd, will mark the day President John Fitzgerald Kennedy was brought down by an assassin in Texas. Kennedy and his wife Jackie were as clearly vulnerable as two white tailed deer in the sight-lines of whoever pulled the trigger. […]
Elizabeth May Offers View on The State of Democracy in Canada
Elizabeth May Shares Vision for Canada THUNDER BAY – Green Party Leader Elizabeth May offered a view of the state of democracy in Canada to an audience of sixty-five people on Friday, November 21st at the Prince Arthur Hotel in Thunder Bay. The Green Party Leader was in Thunder Bay to share in reading from […]


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Date: date unknown
Description: View of a Winnebago (Ho-Chunk) Indian woman in traditional dress. The woman stands on stone steps, surrounded by flowers and trees.
Description: Photographic postcard of the railroad yards. Elevated view of railroad tracks and switch-yard, with steam rising behind a brick building on the left. Railr...
Date: 1915
Description: The Balsams at Camp Stella on Sand Island.
Date: 1931-05-05
Description: North walk on Bascom Hill with Bascom Hall in the background, University of Wisconsin-Madison.
Date: 1899-06-12 after
Description: A hooded woman sitting on the remnants of a house. As the amount of debris and barren landscape can attest, the area around her had been leveled by a torna...
Date: 1911 ca.
Description: Elevated view of a streetcar viaduct on the Waukesha Interurban Line, near Milwaukee.
Date: 1945-07-24
Description: Group portrait of students seated on the front lawn next to the street. The Abraham Lincoln School for Social Science, Chicago, Illinois, sponsored a Summe...
Date: 1921
Description: A several vacationers and their dog stand outside a two-story cabin at the Dells Farm Resort.
Description: Three views of the campus at Lawrence College. Images include a campus view of several buildings, the Russell Sage Dormitory, and another campus view showi...
Date: 1898 ca.
Description: Group of people looking at single car at the railroad station, probably a special car for a traveling minstrel show.
Date: 1902
Description: Family posing outside of their home in Costa Rica. The house stands under several coconut palms.
Date: 1935 ca.
Description: Two outhouses in the woods made of vertical logs. On their doors, one says "PA" and the other says "MA". There is an automobile with two small boys sitting...
Description: A car advertisement for a 1966 Chevelle on a billboard in a small unidentified Appalachian town.
Description: Elevated view across railroad tracks of a lumber yard. A two-story building on the right has a sign that says: "Lovejoy & Ringham". There are fences, a sto...
Date: 1973 ca.
Description: An International Scout hauling a camper is parked next to a body of water. A man is fishing while a woman looks on from the banks of the water.
Description: View from water of men fishing from boats along lakeshore in front of three cabins on Upper Eau Claire Lake.
Date: 1926
Description: A restaurant with open-air patio seating at the Glenco Resort.
Description: View down driveway towards main house of Buckminster Rooms. A sign in front advertises rooms with inner spring mattresses for 75 cents per person. An autom...
Date: 1920 ca.
Description: Cows stand in shallow water in a rolling pasture in what is now Peninsula State Park. There is an old log building in the background.
Description: Two-story log cabin and shed in a forest. The building was used by early settlers in Langlade County near Antigo.
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We stayed at this riad for 2 nights October 2014, loved the hotel, staff and owners. It's an oasis of tranquility in a bustling local moroccan town. Nestled in the medina of El Jadida within short walking distance of the Portuguese city, it has a lovely roof terrace where you can enjoy and bottle of wine and the sunset. The... More
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Weathervane Seafood Restaurant
In 1969, Ray and Bea Gagner opened a simple take-out stand in the small town of Kittery, Maine. It was a summer place that folks traveled to for fresh seafood, tasty chowder, lobster and other yummy treats prepared from old family recipes. Bea greeted all with a cheerful hello and genuine smile.
Though times have changed, the tradition carries on.
Today, the Gagner family invites you to visit any of the Weathervane Seafood Restaurants located throughout New England and New York. So come on in, sit back and relax, and enjoy the food as it always has been freshly prepared and served simply with a genuine smile.
- from the Weathervane website
Weathervane Seafood Restaurant
Hours: 11 a.m. to 9 p.m. Sunday through Thursday, 11 a.m. to 9:30 p.m. Friday & Saturday
>> 11 picks for brunch in Portland
Pans on fireHistorically a non-gourmand, Shannon Bryan is learning to cook, eat, and order in southern Maine.
Best frieds forever: Panko-fried chive risotto cakes


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The American Public Works Association (APWA) has been naming the Top 10 Public Works Leaders of the Year since 1960. These men and women are chosen by their peers based on their achievements, expertise, and dedication to service.
We asked this year's designees what accomplishment they're proudest of. Of course, answers varied. But a common theme emerged: pride in their teams and their communities.
An American Public Works Association leadership trainer interviews public works leaders...
The three extraordinary projects provide clean water access to remote rural villages in...
Stephanie Johnston and Kelley...
APWA Top 10 Leaders
Administration & Management
Earn 2 professional development hours (PDHs) by completing a post-webinar test.
Open only to public works professionals with less than 10 years of experience, the...
Third extension since '96 means Stephenville, Texas partnership will span 25 years.
Please read our Content Guidelines before posting.
Copyright ©
2014 Hanley Wood Media, Inc. All rights reserved.


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Delta Dental of California Jobs in Georgia
3 Delta Dental of California jobs in Georgia found on Monster.Jobs 1 to 3 of 3
We have a (Digital) Marketing Project Manager IIopening in our San Francisco or Alpharetta, Georgia office. We are looking for analytical, motivated, detail-oriented, self-starters to be responsible for developing, implementing and reviewing marketing programs and project plans, communications and campaigns necessary to achieve company objectives in various business segments. Responsibilities incl...
The incumbent in this position is responsible for selecting the appropriate billing setup and analyzing billings against payments received, which may include large complex cases. This includes resolving outstanding balances through review and analysis of documented findings, billing contract information and systems data, to ensure accurate and current accounts. Duties include: · Reviews billing ...
We have a Senior Actuarial Analyst opening. It can be located in our Alpharetta, GA office. We are looking for an analytical, motivated, detail-oriented, self-starter to be responsible for accurately analyzing dental experience. The statistical analyses support forecasting, reserving, fee development, regulatory requirements and financial management. Responsibilities also include mentoring subordi...
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Found this hotel because of a last minute Priceline bid when other hotels were booked or outrageously expensive. Welcoming staff, comfortable bed (I have a bad back) in a large room, free wifi was ok if not too speedy. A bit tricky to find and not easily accessible by public transportation though that is the case with all the hotels... More
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The Bay Area's listener-supported classical radio station
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S.F. Opera on KDFC
KDFC is the radio home of the San Francisco Opera, with a full-length production, recorded live at the War Memorial Opera House, on the first Sunday of every month at 8pm. Dianne Nicolini hosts.
And now you can stream the SF Opera broadcasts any time right here on KDFC.com.
Click here
to see what's available for streaming.
Sunday, December 7, at 8PM
by Giacomo Puccini
Archival performance featuring Luciano Pavarotti and Montserrat Caballe. This passionate tale of a princess whose cruelty masks her fear of love features some of the composer's most glorious music, including the stirring anthem "Nessun dorma."
Past Broadcasts:
Sunday, November 2, at 8PM
Madame Butterfly
by Giacomo Puccini
Puccini's heartbreaking tale of innocence, betrayal and sacrifice returns in a bold and beautiful production by Jun Kaneko, designer of San Francisco Opera's dazzling production of
The Magic Flute
(2012). Patricia Racette heads a superb cast including Elizabeth DeShong, Brian Jagde, and Brian Mulligan.
Sunday, October 5, at 8PM
Show Boat
by Kern and Hammerstein
A true classic of American musical theater, this tale of life on the Mississippi from the 1880s to the 1920s is both a poignant love story and a powerful reminder of the bitter legacy of racism. The magnificent Jerome Kern-Oscar Hammerstein II score, includes such classic songs as "Ol' Man River," "Can't Help Lovin' Dat Man," "Make Believe" and "You Are Love". Maestro John DeMain conducts.
Sunday, September 7, at 8PM
La Traviata
by Giuseppe Verdi
Violetta Valéry may be the most heart-wrenching character in all of opera: a high-spirited but deceptively delicate woman who unexpectedly finds, and then selflessly gives up, the love of her all-too-short life.
Sunday, August 3, at 8PM
Season Preview with David Gockley and Dianne Nicolini
A preview of the 2014-15 season with Dianne Nicolini in conversation with SFO General Director David Gockley, featuring highlights from this season's operas.
Sunday, July 6, at 8PM
General Director's Choice:
by George Frideric Handel
Clever comedy is intertwined with tender poignancy in a tale of unrequited love and intrigue at a royal court. Patrick Summers, who conducts Handel with "astounding depth, virtuosity and clarity" (
San Francisco Chronicle
), leads an outstanding cast featuring Susan Graham and David Daniels.
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Who's your favorite Spidey villian? Mine obviously is Venom.
Favorite Spidey Villian
- Forum Posts: 646
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Toss-up between Green Goblin, Doc Ock and Venom.
- Forum Posts: 1284
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I really like Doc Oc and Sandman. Doc Oc just cuz he always looks so interesting. He's kinda a hard character to draw but when people do him right it's awesome.
On another note...
Hey, VJ, I was just going through your Blade submission, what is his monthly comic called? It's not called "Blade" is it? I've never read any of his stuff and wanted to make sure we had all the issues attached to his page, but when I did a blade search for volumes it didn't pop anything up.
- Forum Posts: 6
- Wiki Points: 107
- Followed by: 4
- Reviews: 0 Lists: 1
I gotta say Carnage
Captain Cascader says:
"I really like Doc Oc and Sandman. Doc Oc just cuz he always looks so interesting. He's kinda a hard character to draw but when people do him right it's awesome. On another note... Hey, VJ, I was just going through your Blade submission, what is his monthly comic called? It's not called "Blade" is it? I've never read any of his stuff and wanted to make sure we had all the issues attached to his page, but when I did a blade search for volumes it didn't pop anything up."I thought his monthly comic was called Blade. Hmmmmmm I'll look into it.
I've always liked the look of Mysterio for some reason but I gotta say the Hobgoblin is my fav. Yeah he came on the Green Goblin's coattails but he made a name for himself. He succeeded where Harry and his psychologist failed. The Hobgoblin storyline is where I first came in. It was so great reading it every month not knowing who he really was and trying to decipher all the clues.
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You know, even though I'm not a huge Spider-Man fan, I have to go with Hobgoblin as well. That was also the story that I remember when I think of Spidey.
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Hobgoblin. Maybe we're all around the same age then. Anyway I love that story line cause they killed him in his apartment by strangulation. Deliciously villainous
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I know he's not technically a spiderman villain, but I always liked Kingpin from the 90's cartoon series.
well, i personally think spideys rogues are some of the best (sorry Batman fans)... so ill give you a breakdown as i see it...
Sheer power: Electro... the guy could be the most dangerous villian Pete has.
Coolness factor: Venom, although personaly i think hes a weak character for the most part
Classic factor: Doc ock, nothing says great villian from the sixties like Elton John in a green jumpsuit
Sheer Evil: Norman Osborn, if he is in green or not, i love this character....
Most likely to Succeed: Kraven, lets face it he already basicaly killed spidey once before
but may i conclude that i think spidey has the best wannabees ever, do yourself a favor and look up these guys if you wanna laugh:
the big wheel (fat), Swarm (nazi), Fusion (simease twins of power), Jack o Lantern (rip off of rip of), Boomerang (hitman that uses boomerangs), Will o the Wisp (gay), Hipno Hustler (LOL)
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I'll have to say the green goblin, with venom following on a close second.
There's a recent book, I don't remember when, of spidey and Norman fighting in the sewer. They're beating the crap out of each other, and all of a sudden, they stop, and start talking. They're being all serious, and then Norman busts out with something along the lines of "I wasn't always going to call myself the green goblin. When I first started out I was going to call myself Mr. Coffee". After reading this bit, I can't think of GG any other way. Yeah, he's freaking evil. But that was some of the funniest crap i've ever read in my life. The awkward silence before the two of them busted out laughing was what made it. And Pete's "watch out kids! it's Mr. Coffee and his Latte of doom!". It reminds me the really crazy effed up relationship Norman and Pete have.
i love the green goblin in that book... ah i love all things spidey... Except walrus!!!
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My favorite Spidey villain is life. No one has kicked Spidey in the teeth, or balls, more than him just being alive has.
On a separate note, I thought the 2nd movie was better than the first, and I have high hopes for #3 as well.
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I guess I'm the unusual one...I love Vermin! I don't know what it is, but creepy rat-guy always brings a smile to my face.
And I love Electro, since he always seems so pathetic, even when he's beating Spider-Man.
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Punisher....when he was a villian or Hobgobln.
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My favs are Doc Ock and Mysterio.
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Carnage, Venom or Scorpion
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I'll be different. I have to go with the Beetle and the Rhino. I'm quite frankly sick of Venom. And the fact that Venom and Green Goblin are now Thunderbolts really doesn't help them get my vote. Honorable mention. The Porcupine of course. What's that you say? He never fought him. He did in the Electric Companies Spidey Super Stories. I have to mention the Walrus as well. As long as he's around no other villain need fear being voted lamest villain of all time. I thought the Walrus was cool though. So did the Beatles.
- Forum Posts: 15
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Id Have to say Rhino,and Venom .
definately carnage, but shocker is up there too
Post Deleted.
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I really liked Kraven the Hunter, during the Kraven's Last Hunt storyarc.
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Spidey's like, my favrite superhero. And without a doubt his own Rogues Gallery is the most famous one around.
Me I'd have to say Venom and Carnage are my favorites, with Dr. Octopus as runner-up.
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I don't really know why, but i've always liked Shocker the best. Not many people will try to kick your ass wearing a quilt. Plus he seems to be one of the few villians who places money over revenge.
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Green Goblin.
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Carnage and Venom...but not when they fought spiderman only when the fight each other
Beast says:
""Call me crazy, I'm used to it...but I've always admired the character of the Sandman.I must admit, Thomas Hayden Church will be perfect for the role, and I'm quite thrilled that he will be the main villian for Spiderman3."
I don't get the whole bit about him being responsible for killing Uncle Ben. I have faith in Raimi but I don't get it. It's like when they had the Joker kill Bruce Wayne's parents.
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Puma I've always liked he's look he could be a badass with his agility matching Spider Mans.
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Letters: Not all unions same; some are responsibleNovember 26th, 2014, 7:04 pm by
Joel Kotkin's "Unnatural alliances within Democratic Party" [Opinion, Nov. 23] was well-written and makes many excellent points about the divergent interests of the tech industry liberals and public employee unions. Unfortunately, the caricatures which accompanied the piece shows an International Longshore and Warehouse Union member. A much better figure would have been a Service Employees International Union member in a purple union t-shirt working at the DMV.
The ILWU represents dockworkers and others on the West Coast and Hawaii employed by ...Read the rest of this entry »


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10 Best Sources of Fiber
These fiber-filled foods aid weight loss by helping you feel full longer and monitoring digestion.
Lentils are a staple in Middle Eastern cuisine and they should be a staple in your diet as well. 1 cup of cooked lentils (about ¼ cup uncooked) contains 12 grams of protein and 15 grams of fiber making lentils one of the healthiest foods you can eat. Unlike other dry beans, like black or kidney beans, lentils cook up in as little as 10 minutes (red lentils cook the fastest).
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Houston Humane Society (HHS)
14700 Almeda Rd. Houston, TX 77053
713-433-6421 | Map | Hours | Clinic Hours
The 2014 Golf Tournament has been scheduled for Tuesday, November 11th at the Memorial Park Golf Course.
Honorary Chair: Dominique Sachse Florescu (News Anchor - KPRC Channel 2)
Co-Chairs: Lisa Edgmon (Golf Pro – Houston Country Club)
Jennifer Taveras (Attorney – advocate for professional athletes)
Carlos Perez (Financial Advisor – The MSB Legacy Group at Merrill Lynch)
Click here for a copy of the tournament brochure
Click here to download a signup form
Click here to sign up online
I am a White and Black Terrier Mix and I am almost 1 year old. I am ready to find my new forever home. Come by and see me!
I'm an adorable Black and White Domestic Short Hair mix and I am 1 year old! Come by and see me! I am ready to go home today!


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New Director of Service Learning at Walsh University is Christy Walkuski
Catholic PRWire
North Canton, OH (August 20, 2013) - Christy Walkuski has been named as Walsh University�s director of Service Learning. The mission of the Office of Service Learning is to facilitate mutually beneficial service opportunities between Walsh and the community which are integrated into class assignments. These hands-on learning projects foster student civic responsibility and support the Walsh University mission to educate students to become leaders in service to others through a values-based education. �I am excited to be a part of a community that truly lives and believes in its mission of service to others. I believe whole-heartedly in Higher Education�s mission to educate and empower students to lead and to serve, and am thrilled to have the opportunity to contribute to this important mission through my work at Walsh,� Walkuski said.
Walkuski has eight years of experience in civic engagement and higher education. Prior to joining the Walsh community, she worked with the Cleveland Leadership Center, a non-profit organization that develops civic leaders for Northeast Ohio. In that position Walkuski directed (i)Cleveland, a civic college-level education program. Walkuski served as the assistant director for the Center for Leadership and Civic Engagement at the University of South Florida (USF). While there she led the development of civic leadership curriculum and programming, as well as teaching service-learning courses in the leadership minor. Walkuski also led the development of the USF's International Service-Learning program that established partnerships in Costa Rica and the Dominican Republic.
Her passion for civic engagement and social justice led Walkuski to serve as the coordinator for service learning on two voyages with the international �Semester at Sea� program. Walkuski returned to Northeast Ohio in 2010 to pursue her PhD in cultural foundations of education at Kent State University. Her research interests include civic identity, the emergence of the civic empowerment gap, and the civic mission of higher education. Walkuski graduated from Baldwin-Wallace College with a degree in English and education, and has a M.Ed. in Higher Education Administration from Loyola University of Chicago. As a volunteer, Walkuski serves with the Cleveland Collaborative Initiative to End Human Trafficking.
Examples of past Walsh University service learning projects have include interviewing Vietnam veterans and self-publishing an oral history of their service. The interviews were provided to the Library of Congress Veterans History Project for national preservation. Another project is the Canton area Family Health and Wellness Fair that has served 900 community members since 2008.
Walsh University is an independent, co-educational Catholic liberal arts and sciences institution that promotes academic excellence and diversity and provides close faculty-student interaction. It is dedicated to teaching its more than 3,000 students from 15 states and 24 countries to become leaders in service to others through a values-based education with an international perspective in the Judeo-Christian tradition.
Walsh University
http://http://www.walsh.edu/ OH, 44720 US
Kelly A Campbell - Director of University Relations, 330.490.7296
Walsh University, catholic, Higher Education, College, Service learning
Catholic Schools & Religious Education
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The Plant Farm is located at 14208 E. 4th Ave. in Spokane Valley. They have several enormous greenhouses that are filled with beautifully grown plants and an attractive gift shop with plants and decorative items. They are open Monday through Saturday from 8:30 a.m. to 6 p.m.
Here is a sampling of what I saw:
|'Christmas Day'
|'Christmas Feelings Pink'
|'Ice Crystal'
|'Red Glitter'


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What makes Your Trust Plan different?
The Insurance Trust for Delta Retirees Group Medicare Supplement Insurance, when compared to all Individual plans and many
Group plans, provides more financial security.
Visit the Benefit Plans and Health Advocate sections of this website to learn more about the many benefits available to you.
Message Center: Keeping You Informed
Your Prescription Drug Plan will move to Express Scripts as of January 1, 2015, and the 2014 Prescription Drug Plan with UnitedHealthcare will terminate. Current Members' coverage will transfer to Express Scripts automatically, no action is needed.
A letter was prepared specifically for Trust Prescription Drug Plan Members announcing this change, but UnitedHealthcare mailed a standard form letter on November 19, 2014 in error. The correct letter may be viewed here. If you have questions or concerns please contact a Personal Health Advocate at 1-877-325-7265, Option 2.
On October 30, 2014 the Travel Assistance Program provided by UnitedHealthcare changed its name from FrontierMEDEX to UnitedHealthcare Global. All phone numbers and services remain the same. Your current ID card also remains valid.
Trust Medical Plan Members can continue to use the services provided by UnitedHealthcare Global through December 31, 2014. On January 1, 2015 the Travel Assistance Program for Trust Medical Plan Members will be provided by Europ Assistance USA, through the Hartford Group Retiree Medical Plan.
Please refer to your 2015 Benefit Guide and forthcoming Hartford policy material for more information.
In 2014, call UnitedHealthcare at 1-877-717-9517, Option 2, from 8:00 a.m. to 8:00 p.m. local time, Monday through Friday.
In 2015, call the Retiree Service Center (Mercer) at 1-877-325-7265, Option 3, from 7:30 a.m. to 8:00 p.m. CT, Monday through Friday.
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CPUC'd: Utility Commission seeks to quell outcry over San Onofre costs
Walter Mencken 11 a.m., Nov. 27
This is the sign in front of Mount Vernon School in Lemon Grove.
From a distance it looks deceptively simple.
Up close, however, it comes alive with mosaic artistry.
October 10, 2011
This fantastic mosaic was created by Ms. Terri Nelson, English Teacher of the Third Grade Dual Immersion Class and a select group of students. The individual pieces were donations from the entire student body. We are standing on the Moon looking at the Sun We see rays of beautiful colors and a student reading under a lemon tree. It is surrounded by tiles which were decorated by students.
That is just plain BEAUTY!
Love it......................................


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Babies go through wipes and diapers like it's some sort of challenge. This free sample will snag you a trial pack of Simply Right wipes and diapers. Might not be enough to last the week, but it might work for one crappy day (literally). <GET YOUR FREE SAMPLE HERE> Allow 3-5 weeks for delivery.


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