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IIBS - International Institute of Business Studies , Bangalore
IIBS Rated India's No.1 Emerging B-School In Placement (Source- Samaja Parivarthana) Acceding To Demands Across India, IIBS Has Expanded Its Quality Higher Educational Facility A Part From Kolkata At Different Locations Like Noida & Bangalore Looking Into Best Possible Locational Advantages At All These Centers. ABOUT IIBS : The International Institute Of Business Studies Aims To Prepare A Global Talent Engine, Capable Of Bringing Success In Any Business Environment. IIBS Also Aims To Establish A Fresh Direction For Education And Resume A New Approach Towards Enhancing The Prospect Of Employability. In Addition, IIBS Conducts Various Symposiums, Workshops And Conferences, To Buildup Leadership Capabilities. Through A Holistic Approach Towards Professional Development The IIBS Seeks To Build A Global Network Among The Management Students, Industry And Society At Large. Facilities At IIBS : Free...
Advice from Alumni
Sarita Kumari, Manager Marketing And Sales
College Ambassador
Every management student will have ones own dream to get qualified...
College updates
The industrial visit to Parle Biscuits pvt. ltd., Neemrana was conducted by IIBS Noida with a motive of providing the students of MBA (Batch...
August 3rd, 2012 (IIBS, Bangalore) IIBS has recently organized a grand graduation day for MBA PTU S10 & BHU S10 batches .The...
About the Tarkash 2013: Tarkash 2013, the inter collegiate Management and Cultural fest was held on the 6th and 7th of February 2013 at...
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subset: commoncrawl


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Homemade Christmas Gifts: 14 Gift Ideas & DIY Home Dcor
Bonus: Get our newsletter & special offers for free. We will not share or sell your email address. View our Privacy Policy
Easy Recycled Christmas Ornament 1
By: Dena Lenham for Kreinik
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Make the easiest Christmas ornaments ever with recycled greeting cards and cookie cutters. You can even mail these flat Christmas ornaments to family and friends. These ornaments are fast and inexpensive, making them the perfect Christmas party craft.
- Kreinik 1/8" Iron-on Ribbon in your choice of colors (we like 6130 Red, 6225 Gold, 6300 Meadow, 6010 Pearl, or 6020 Silver)
- Kreinik #16 Iron-on Braid in your choice of colors
- Kreinik #8 Iron-on Braid in your choice of colors
- Kreinik teflon press cloth
- Cookie cutters in desired shapes (we used a tree and a star shape)
- Old Christmas cards
- Mini iron or household iron
- Ironing surface
- Pen or pencil for tracing
- Scissors
Turn your iron on to the highest heat setting and let it heat thoroughly.
Meanwhile, trace the outline of the cookie cutter shape onto your Christmas cards, then cut out.
To begin decorating, lay your iron-on ribbon at the edge of your card design. Cover the thread with the Teflon Press Cloth, then press for several seconds until the thread adheres. Continue this way, laying the thread around the border. You may want to start and end at the top of your design so that you can leave extra thread for the loop.
- If desired, decorate other parts of the card with the thinner iron-on braids. Always use the Teflon Press Cloth to keep the adhesive in the thread from sticking to your iron.
Kreinik threads available through needlework stores or www.kreinik.com.
If you like this project, we also suggest:
10 Minute Holiday Ornament
Faux Dichroic Glass Recycled Bottle
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Sheriff changes records policy
The series was produced by members of The Associated Press and Colorado Press Association and surveyed the state's 63 counties to see which make information available to the public as required by the law.
After reading the series last week, Faull began posting a complete list of inmates in the county jail.
Last fall, the sheriff told a reporter he would release inmates' names only if the person asking had a good reason. Faull said he believed he could be held responsible if the information was misused, but learned that wasn't true.
(iSyndicate; Denver Rocky Mountain News; Nov. 22, 2000) Terms and Conditions: CopyrightO 2000 LEXIS-NEXIS, a division of Reed Elsevier Inc. All rights Reserved.
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|10 excellent gift ideas for firearms enthusiasts
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I try to resist.
Six patrol officers who made arrests in three violent crimes have been honored by the 2nd Police District Advisory Council and Capt. Frank Palumbo, the district's commander, as officers of the month — for May, June and July.
A man dressed up for a pick-up basketball game robbed a Somerton convenience store on Aug. 24, say Philadelphia police, who are trying to identify the culprit.
When is a tax break not a tax break?
It's all nonsense, so don't fall for it.
A strong-arm robber brutally beat an 82-year-old man on a Frankford street corner in broad daylight last week.
Eric Torres faces attempted murder charge for the shooting of Police Officer Edward Davies
Nine people were displaced Sept. 4 by a fire in a West Torresdale apartment building. No one was injured, said Executive Fire Chief Richard Davison.
To bomb or not to bomb?
U.S. Rep. Allyson Schwartz, a Democratic candidate for governor, last week proposed a 5-percent natural gas severance tax to make record investments in education and transportation.


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Does The Tiger Die In The Life Of Pi?
What happens to the tiger at the end of Life of Pi?
Hey! I wanted to know what happened to the tiger at the end of life of pi? did he die or what?
When the boat finally made it to shore, and Pi was rescued, before anyone found them the tiger ran away into the jungle of South America. He is never heard from again.
Does the tiger die in Life Of Pi?
I wanted to read the book,but i am worried that the tiger dies,and if so i wont read it.
No the tiger doesn't die. But why is that a reason to read or not read the book? It is a must read.
Which tiger balm is better?
They are inexpensive treatments for stuffy nose, headaches, itchinessinsect bites, muscular aches, pains, sprains, and flatulence. I'm trying to use this t o treat my itchiness skin, and muscle that I feel pain in my left shoulder. Which one should I get? tiger balm white, tiger balm red, or tiger balm soft? Thanks
According to the Tiger Balm website, red tiger balm "helps breathe new life into aching muscles". White tiger balm "can also ease tension headaches". So in your case go for the red tiger balm. You could alternatively use tiger balm soft. It seems to be a mix of the two but in a softer format. But perhaps tiger balm red might be more effective since it is specifically for sore muscles.
Tiger balm info:
Tiger balm soft info:
Where can u find a tiger?
Like i love tigerz but i dont kno where to find them at
What kind of Tiger do you mean? I've had a couple different breeds that are of the first name tiger. I've had a pack of Tiger barbs, and I've got a Datnoid tiger barb as well. Sometimes that is called a Datnoid, sometimes that's called a 6 bar, but when you say Tiger, there could be many possibilities by that name.
What's the difference between Santa Claus and Tiger Woods?
Santa's Fat Tiger's a golf player Santa's a winter Tiger's a summer Santa has real reindeer's. Tiger has a golf course Santa starts with a S Tiger with a T Tiger can't eat all the cookies Santa's a giver. Tiger gets coal Santa gets Milk and Cookies What else is there?
Santa only has three HO's
What Causes Airplane Lift?
Is The Same As?
What Is The Difference In Te Quiero And Te Amo?
Why Is Psy Gangnam Style So Popular?
Does The Galaxy S2 Have A Front Camera?
What Nationality Of Women Make The Best Wives?
Does The Day After Pill Work?
Why Is South Africa Referred To As The Rainbow Nation?
Why Is Brian Scalabrine So Popular?


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Octopus is all the rage for craft enthusiasts! While he may not have
traversed the globe with Jules Verne, he will look ship-shape on your
dresser or cabinet as a drawer pull! These fun knobs highlight one of
the world′s most brilliant creatures; in fact, if octopuses could teach
their young, they would rule the world.
Pull the tentacles and open your drawer or cabinet with these fun octopus drawer knobs.Technical DetailsMaterial: MetalColor: Silver (or brass, select this in the options)Length: 59mm ( 2 7/8 inch)Width: 56mmProjection: 22mm (7/8 inch)Screw: 8/32 1 inch machine screw (included)Use: drawer knobs, cabinet knobs, furniture knobs, jewelry racks, wall hooksInstallationThe
drawer knob is installed with a screw inserted through the back of the
screw hole of the drawer front or cabinet door. The knob is attached to
the front. The included screws are a standard size and will fit 3/4 inch
thick drawers and cabinet doors. If you need longer or shorter screws
please mention this with your order.
Quantity THIS
LISTING IS FOR 1 DRAWER KNOB. You can adjust the quantity you need in
your shopping cart. If you need more drawer knobs than currently
available, please contact me and I will inform you about availability
and delivery times.
rights to Images and Artwork retained (Copyright © DaRosa Creations
2009). Images may not be reproduced by buyers or others without express
written permission.


text:
Without exception, the V.F.C.S.D. is extremely passionate about television: we love to watch it while texting each other before, during, and after and then passionately recap episodes the next day around what passes for an office water cooler (read: the filing cabinet that holds the snacks). In fact, one in our ranks said to me today that he would rather watch television than go to a movie, hands down. So we were really excited when V.F. joined NBC to help celebrate the network's official launch of its fall 2013 lineup on Monday, September 16. Top of the Standard was the venue du jour for 300 revelers, such as NBC stars Alec Baldwin and Judah Friedlander of 30 Rock; Believe's Kyle MacLachlan; Michael J. Fox and Betsy Brandt from The Michael J. Fox Show; The Voice's Jewel; Mariska Hargitay from Law and Order S.V.U.; and Saturday Night Live cast members Jay Pharoh, Vanessa Bayer, Nasim Pedrad, and Noël Wells. The crowd sipped specialty cocktails by Patrón while sneaking peeks at clips from NBC's new and returning shows—Dracula, The Black List, and Parenthood, my personal favorite, among them—which played on flat screens throughout the event. Consider our DVR dance card full.
Baha Mar
Tory Burch Fragrance
See & Hear
Eat & Drink
Search Agenda
Blogs We Like
Monthly Archives
Reader Network


text:
United Technologies Corp., parent company of Carrier Corp., named Gregg Ward senior vice president,
Government Affairs. He will be responsible for leading UTC's federal and state governmental affairs activities, advising senior management on government relations, raising UTC's profile in Washington,
D.C., and communicating the company's business interests to key public policymakers and organizations. He most recently senior vice president, Government Affairs, for Siemens Corp.
Back to Breaking News


text:
The Nursing and Nutrition Department at the State University of New York, College at Plattsburgh is seeking qualified applicants for the position of Nursing Skills Laboratory Resource Manager, effective August 2014. This full-time college-year position has responsibility in the areas of teaching/learning, education/resources, scheduling and equipment management to support a positive student learning environment for achievement of program outcomes.
Responsibilities include:
Teaching/Learning: Coordinates the use of laboratory facilities and resources; provides instruction to nursing students in collaboration with faculty; assists in the supervision of student skills performance; assists with all phases of data collection regarding Nursing Skills Lab (NSL) services and usage; orients and supervises students and per diem personnel assigned to the NSL; coordinates and assists in the use of simulation technology.
Education/Resources: Locates and maintains software and media; develops safety protocols and assures compliance; collaborates with faculty regarding purchases, stays current with trends and innovations in lab equipment and management.
Scheduling: Develops the lab schedule to meet faculty and student needs; maintains lab resources and reference files; collaborates with faculty regarding lab and computer based needs.
Equipment: Orders, inventories and maintains equipment; secures contract maintenance and upgrades; assures cost-productive use of lab resources; assembles and maintains lab equipment, supplies and instructional materials; submits purchase requisitions; sets up low and high-fidelity simulation skills lab scenarios and equipment.
This position requires occasional evening and weekend work.
Required Qualifications: Baccalaureate Degree in Nursing; Licensure as a Registered Professional Nurse, either holds or is eligible for license in the State of New York; Willingness and ability to perform occasional evening and weekend work.
Preferred Qualifications: Masters Degree in Nursing or Nursing Education and/or administrative experience and skills will be highly regarded.
SUNY Plattsburgh is an Equal Opportunity Employer, committed to excellence through diversity.
Salary: $47,000 minimum, plus excellent benefits. Review of applications begins immediately and continues until the position is filled. To be considered for the position you must provide a complete application and materials. Materials received by April 1, 2014 will be guaranteed full consideration. Please apply to http://jobs.plattsburgh.edu/postings/5209 and include a resume/CV, cover letter, copy of RN license and contact information for three current references. Official transcripts from an accredited institution will be required prior to employment.
Don't drink your holiday calories!
Nurse Attorneys Work for Change
7 Organizing Tips for the Holiday Crush
How to Combat Holiday Weight Gain
3 Easy Tax Tips for December
Соруright 2014Minority Nurse is Registered in the U.S. Patent and Trademark OfficeSpringer Publishing Company, LLC


text:
The Best, Worst, and Most Improved at the 2014 Emmys
Tulle, crystals, and a dress that resembles table linens.
Skip to content, or skip to search.
Skip to content, or skip to search.
Tulle, crystals, and a dress that resembles table linens.
Christina Hendricks has a cigarette and some facts.
Two weeks of photo-calls, red carpets, galas, and so much more.
Misleading puppy ownership.
Nicole Kidman, Christina Hendricks, and more.
One final outfit change.
Thanks to Mad Men's makeup artist, you now know about the beauty rigors of living with Jon Hamm.
The cuts that made us want to take scissors to our own.
Appraising Lena Dunhan, Claire Danes, Kerry Washington — and lots of wearable upholstery at Television's Biggest Night.
"I'll probably sneak something."
And Rose McGowan inquires after Brad Goreski's beard.
Plus, some gorgeous dresses in motion at Zac Posen.
But points to Kelly Osbourne's incredibly well-mannered vegan fiancé.
Paris Hilton! Nicki Minaj! Rihanna!
Just ask Amy Poehler, Christina Hendricks, and Karen Elson.
From breakfast at the Breslin to cocktails at sunset.
See the Mad Men star's style evolution.
Plus, Scarlett's white go-go boots and Joan's morning-after outfit.
So much symbolism in this week's costumes.


text:
Prior to any submittal to the Building Inspection Division for new commercial construction you must contact the City's Development Services Office at 512-218-7043 for the City's submittal process and procedures.
Prior to submission of an application for new construction to the Building Inspection Division, you must contact the City's Chief Building Official and provide the following for permitting fee calculations:
Note: The fee worksheet will be faxed back to the number you provide to the building official.
At the time of application, the following items must be submitted:
Review time varies depending on the completeness of the submittal. The average turnaround time from submittal to permit is 2-4 weeks.
Once the permit is issued the general contractor will be contacted. The red line plans are returned and paperwork is attached with instructions for scheduling inspections through our online request system.


text:
Source: Wikimedia commons: Jcwf
The giant panda is the national animal of the People's Republic of China.
CLICK HERE to turn this photo into a jigsaw puzzle.
Close the puzzle window when you're done to return to this page.
Privacy Policy • Terms of Service • Employment Opportunities
Copyright © 1998-2014 DLTK's Sites - All Rights Reserved


text:
Paul Gottfried writes in regards to my posting of his article:
I am grateful that Steve has presented my real views on Israel, which are not at all hostile but have become intertwined with my profound contempt for Zionists. It is simply outrageous that the ADL, which passionately supports the ethnic identity of Israel, has begun to denounce those who oppose the giving of licenses to illegals in California as anti-Semites and rightwing extremists. For many Zionists, Western nation states have no right to exist or to take effective measures to resist immigration, including illegal immigration, from the Third World. What is seen as necessary for Jews, a national existence, is not to be granted to others. The attempt by some Zionists to blame "Christians" for the Holocaust to justify this double standard is equally despicable and, to quote what Joshua Muravchik once said about my essays, "should have no place in civil discourse."1:05 pm on November 5, 2003 Email Stephen W. Carson


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Whether its car, home, health or life, everyone will at some point need insurance. With that in mind, Bankrate sat down with some of the top experts in the insurance field to get their thoughts on the industry and what consumers need to know.
Madelyn Flannagan, Vice President of Educational Research and Agent Development, Independent Insurance Agents and Brokers of America:
There are certain things that you can do to decrease your auto insurance premium. You can take a defensive driving course. If you're required to wear glasses make sure that you're doing that. If you need a medical checkup, if you're over age sixty-five, go get your medical checkup and give a copy of that to your insurance company. Those are all things that can help you save money on your auto insurance policy.
Jim Whittle, Chief Claims Counsel, American Insurance Association:
Again, agents and insurers. They are the primary way of getting information you need to determine whether or not you are entitled to some discounts. Safe driver discounts, good student discounts. There is a whole array of discounts that may be available. So ask if there is something peculiar about you that is a good thing you may want to say is there a discount for that.
I always recommend that you take a look at your policy every year, talk to your agent, go over your coverages, and make sure that you're getting the service and the coverage that you need. But also understand that there are a lot of companies today that will pay you sort of a discount for staying with them. So you might get a longevity discount and you might get a claim forgiven meaning you won't be charged for a claim if you've been with the company for a long time. So always think about staying with your carrier but also do what's best for you.
To learn more or shop around for the best insurance rates, visit the insurance section at Bankrate.com.
Most women don't have a policy or are under-insured.
Not sure when to review your insurance policy? Experts share their thoughts on when to do so.
Looking to decrease your auto insurance premium? Top insurance experts share money-saving tips.
If you don't have adequate insurance, you won't be protected in the event of a costly accident.
Get in the habit of reviewing your policies annually -- you could save money by doing so.
Need help paying for college? Try these savvy, nontraditional ways to save money.
Not all items at dollar stores are good deals. But here are five finds that can be bargains.
Trim the fat around your grocery budget with these money-saving tips.
Looking for peace of mind in a rate or are you tempted by a lower rate in the beginning?
As the year winds down, tax planning is a must on the to-do list. Here are a few things to keep in mind.
Bankrate wants to hear from you and encourages thoughtful and constructive comments. We ask that you stay focused on the story topic, respect other people's opinions, and avoid profanity, offensive statements, illegal contents and advertisement posts. Comments are not reviewed before they are posted. Bankrate reserves the right (but is not obligated) to edit or delete your comments. Please avoid posting private or confidential information, and also keep in mind that anything you post may be disclosed, published, transmitted or reused. We do not permit the inclusion of hyperlinks in comments and may remove any comment that includes a hyperlink.
By submitting a post, you agree to be bound by Bankrate's terms of use. Please refer to Bankrate's privacy policy for more information regarding Bankrate's privacy practices.
Compare multiple quotes in just 6 minutes
Learn the latest trends that will help grow your portfolio, plus tips on investing strategies. Delivered weekly.
From Ebola to Obamacare, aerial drones to texting drivers, 2014 marked a year of change for the insurance industry.
... Read more


text:
XLR8R's Best of 2014: Top Downloads (50 - 26)
Today, we officially enter the second half of our Top Downloads countdown. Just about equally populated by remixes as it is original tracks, this next batch of 25 songs includes contributions from the likes of Submerse, Larry Heard, Gerd Janson, Canblaster, Clockwork, Com Truise, and DJ Earl, among others. Again, the collection of tunes showcases the diverse range of styles found in our Downloads section throughout the year, where tracks intended for lively dancefloors are just as welcome as those intended for solitary headphone sessions. The latest helping of the year's top downloads can be found after the jump, with the final 25 set to be presented tomorrow along with a ZIP file containing all 100 of XLR8R's most popular downloads of 2014. Read more »


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(Cross-posted from Moving at the Speed of Creativity) This weekend, my 8th grade son and I worked on a project for his science class he's been planning for over a month. In March I asked him to record a short podcast we posted over on our family learning blog, "Draft Design for a Complex Machine […]
Entries from April 2012
Good Things Can Come From Science and Engineering Projects in School
April 30th, 2012 · No Comments
Planting Pumpkin Seeds
April 22nd, 2012 · No Comments
Today we worked in our flower and vegetable beds in our front and backyard. Among other things, we planted some pumpkin seeds. We're not sure if we'll get any pumpkins (or cantaloupes, or ears of corn) but we're going to give it a shot! Later this month we're going to plant some tomatoes too. Here […]
Minecraft Music Video Parodies
April 7th, 2012 · 4 Comments
This week as I was looking through my minecraft youtube videos, as I often do, I found these really awesome videos made by a youtuber named CaptainSparklez. He has spent a lot of time on these as well as bringing in to do the Parodies and some of the animating. They are some of the best […]
Tags: brother · creation · technology · video · youtube
Rachel's Art with Brushes 2
April 3rd, 2012 · No Comments
See the full gallery on Posterous Sent from my iPad
Tags: Uncategorized
Rachel's Art with Brushes 1
April 3rd, 2012 · No Comments
See the full gallery on Posterous Sent from my iPad
Tags: Uncategorized
Jesus' Triumphal Entry
April 1st, 2012 · No Comments
Rachel drew this today during our Palm Sunday sermon.
Tags: Uncategorized


text:
Story: Dec 17, 2014
Students animate, illustrate holiday greetings on behalf of ...
CIA Exhibition: Jan 14, 2015
35th Annual Scholastic Art & Writing Exhibition
Story: Nov 15, 2014
Students capture two of the top prizes in museum's surreal d...
CIA Exhibition: Feb 13, 2015
69th Annual Student Independent Exhibition
Social: 3 days ago via Facebook
Warm wishes to you this holiday season from the Cleveland Institute of Art! Artwork created by Animation majors Brienne Broyles 16 and Maria Ursetti 16. Rea...
Story: Nov 04, 2014
New CIA building taking shape; set for December completion
Events: Mar 21, 2015
Spring 2015 Open House
Story: Nov 03, 2014
New Uptown Residence Hall featured in CIA video
CIA Exhibition: Apr 02, 2015
Spring Exhibition: Women to Watch - Ohio
Story: Aug 18, 2014
CIA again named to "Best in the Midwest" list
Academics . Jewelry + Metals . Courses
Ceramics: The Potter's Wheel: Utility + Production
Course No. CER 240-340-440 Credits: 3.0
Faculty William Brouillard
Wheel based vessels and sculptural forms will be explored in this class. The potter's wheel is an important tool for artists and designers who want to create compositional forms using multiple parts. Glaze making, glazing and kiln firing will be incorporated into this course. Lectures on historical and contemporary ceramic works will be included to further help student create a personal direction. Some wheel work suggested. Required of all Ceramic Majors. Open to all.
Kathy Buszkiewicz
Kathy Buszkiewicz has exhibited throughout the world, and her work is represented in many collections. She tra...more
While at CIA, you'll learn from the masters through our rigorous, world-class curriculum and connect with working professionals to begin your career.


text:
Performance golf ball fitting focuses on finding the best ball for your game and lowering your score.
Be the first to hear about product introductions, surveys, promotions, and sweepstakes. Through Team Titleist News we will provide exclusive communication not available in any other forum.
Titleist offers the most precise club fitting experience in the game.
The full-set Titleist Golf Club Trial program provides golfers with an easy way to experience Titleist products on either the course or practice tee to help determine the right equipment for their game.
Need to customize headwear, gloves, bags, or golf balls?
Track your stats. Get video tips. Set goals for your golf game.
Rick C
First Hole In One
A Hole in One is always best when playing with your regular playing partners
My First Hole in One
My 3rd Hole in one
2nd Hole in One
My first hole in one
First Ever
Posted: January 22, 2013
61 years old and had my first hole in one at hollytree cc in tyler tx par 3 100 yd with a pro v1
After our Monday morning league was cancelled due to strong winds (the ball was blown off the green)and cold temperatures,a group of four of us said what the heck let's play. We started with a shotgun start on hole nine. The wind was a two to three club wind and my round was mostly boggies and doubles with several three putts! We came to hole seven and Duane hit his 140 yard club to the 114 yard hole. I took out my 8 iron and hit my Titleist #1 NXT-Tour to the front of the green right on line with the pin. It took a high bounce and went in the hole! When I took the ball from the cup, Howard made the comment "At least you did not three putt". My first HOLE IN ONE! Regards, Darwin Bostic
41 Years ago I got my first hole in one. Unfortunately it was on a "mulligan" so it was really just a par. One of the boys I was playing with said "it's probably the only hole in one you'll ever have so let's make a pact...it was a legit hole in one. That fib lasted less then 24 hours till one of the guys "ratted me out". I felt about 2 inches tall. There was a feeling of relief somehow that I was able to actually justify the drinks my dad bought in the clubhouse so many years ago when I was 15 (I had no idea he was buying everyone drinks 41 years ago or I would have fessed up, honestly). When he found out the "hole in one" from so many years ago was just a par he said "why didn't you tell me it was on a mulligan, I had to buy drinks!". . Yesterday I got my first "Real" hole in one, on my first shot on a par 3, no mulligan this time. It felt Very Good....and somehow I feel a sense of relief.
It was #11 at tustin ranch and from the blue it played 162 yards. i hit 7 iron. The ball hit 8 feet left and short of the hole and curled up into the cup. I saw the divot and the ball rolling towards the hole and i said to my friend "i think it went in!" (It was my friend Toni's wife's birthday,my fiancé and I were playing with them. The distance across the lake was too far for anyone of us to see if the ball had really gone in (how many times have you gotten to the hole and the ball was hiding behind the flag) I was 75% sure it went in but the wait for everyone to hit was agonizing). Janis kept telling me "don't get your hopes up honey, just wait and see" When I got to the hole there was a guy standing on the road into the course. He said he actually saw it hit and go in the hole on his ride into the course and wanted to hang around to congratulate me and verify the shot if I need it. The attached photo is a shot from the Tee box I hit from.
I have been golfing for five years now and this is my first hole in one. I hit a 7 wood 145 yards with the new Velocity that ball is great and it flys nice. That is a great feeling to hit a ball so nice i am getting extra yardage since i switched to that ball love it keep up the good work.


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Private mortgages lenders in Ontario for the most part can be found through your local mortgage broker or from another person. Private mortgage lenders aren't always a good or viable option but can be considered when your income is unverified and therefore banks are unwilling to finance a mortgage. Other scenarios in which a private mortgage lender might be the best choice is if you need quick funding, are only planning to have the loan out for a short time, you have your eye on an alternative property that a bank wouldn't accept to finance, or if your credit is unacceptable to banks for financing. Since it is most likely you will be on a personal level with the lender, it is imperative to consider all aspects of borrowing money on your part and the other party lending money. If you have a relationship with the lender, you should consider how borrowed money will affect your relationship with them and especially consider the effects on the buyer if something was to go awry with the payments.
Seeking out private mortgage lenders can be difficult but it's important to find a lender who has investment philosophies that match your needs, if you don't know someone to ask. Some lenders prefer to invest in certain types of property mortgages like commercial mortgages or residential mortgages. The best way to find a private mortgage lender who would be willing to lend you money is through an established mortgage lender in the area the property you're looking to finance. If the reason you're unable to attain a mortgage through a bank is because of bad credit, private mortgage lenders are the best choice because they often look at requests for mortgages on a case-by-case basis and usually see the investment benefit over a bad credit rating.
Private mortgage agreements, whether signed with an unknown lender or a friend, need to be legally and properly documented. Every detail must be documented including aspects of payments, due dates and what the procedure is if payments are defaulted. Work with professional lawyers and accountants who know your case to construct these forms and stipulations that will secure the loan and ensure it is done correctly and legally.
Terms from private mortgage lenders are usually vastly different from banks and usually the interest is a little higher. Normally, private mortgage lenders can approve a loan in a matter of days and have funds in order in a matter of only weeks; loan processing fees are often applied to the loan also. The terms of these mortgages don't span decades like bank given mortgages do, instead usually only lasting up to three years.
Private mortgage lenders are an attractive option to those that are looking to purchase a home but don't have the funds or the appearance of funds to get a bank loan. A private mortgage is something that can be attained and signed fairly easily but the success of the loan may depend on the accuracy of loan agreements and statements written out.


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Grace Reports Fourth Quarter 2012 Adjusted EPS Of $1.11 And Provides 2013 Earnings Outlook
Adjusted EBIT of $133.4 million increased 23.3 percent compared with $108.2 million in the prior-year quarter. The increase was due to higher segment operating income in all three operating segments and lower corporate expenses. Adjusted EBIT margin improved to 16.7 percent compared with 13.1 percent in the prior-year quarter.
Adjusted EBIT Return On Invested Capital was 36.3 percent on a trailing four-quarter basis, compared with 35.4 percent for the prior year. The increase in Adjusted EBIT Return On Invested Capital primarily was due to higher earnings and improved working capital.
Full Year Results
Sales for the full year ended December 31, 2012, decreased 1.8 percent to $3.16 billion as improved base pricing (+4.1 percent) and higher sales volumes (+2.9 percent) were offset by lower rare earth surcharges (-5.3 percent) and unfavorable currency translation (-3.5 percent). Sales in emerging regions represented 37.0 percent of sales and grew 15.2 percent compared with the prior year.Gross profit of $1.17 billion increased 0.4 percent compared with the prior year. Gross margin of 37.0 percent increased 80 basis points compared with the prior year. Adjusted EBIT was $517.4 million, an increase of 8.1 percent compared with the prior year. The improvement in Adjusted EBIT was due to improved pricing, higher sales volumes and lower expenses. Catalysts Technologies Sales down 10.7 percent; segment operating income up 5.9 percent Fourth quarter sales for the Catalysts Technologies operating segment, which includes specialty catalysts and additives for refinery, plastics and other chemical process applications, were $328.3 million, a decrease of 10.7 percent compared with the prior-year quarter. The decrease was due to lower rare earth surcharges (-20.6 percent) and unfavorable currency translation (-1.8 percent), which more than offset increased sales volumes (+8.0 percent) and improved base pricing (+3.7 percent). Sales volumes and base pricing of FCC catalysts increased approximately 12 percent compared with the prior-year quarter. Double-digit percentage increases in polypropylene catalyst sales offset lower polyethylene catalyst sales.
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