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Trust Bank forecasts profits of 1-1.5 billion roubles for 2013 and expects a 20% increase in loans
Trust Bank, whose products over the last few years have been advertised by the Die Hard star Bruce Willis, plans to open 50 additional branches in the next few months. Growing infrastructure is an expenditure few banks can afford these days. Bank Chairman Fedor Pospelov talked to RIA-Novosti about Trust's plans for expansion and investment, the strategies regarding capital a nd risk and its plans to promote perpetual bonds.
- Russian banks earned record profits last year. What is Trust currently investing in, and what are its forecasts for 2013?
- It is important to understand that numbers taken out of context are relative. Banks use different strategies in business and despite the market being difficult or sluggish, some participants are trying to expand. The last few years have not been particularly favourable to the financial sector, yet Trust is always evolving, resulting in an increase in spending. In 2012, we opened about 300 "mini" offices which on the one hand allowed us to double our infrastructure, but on the other affected our financial results. Here the speaker is not talking about a beneficial influence of the expansion the infrastructure, on the contrary – he wanted to point out the effects of the additional expenditures on the financial results.
In 2013, we plan to open about 50 full-scale branches and establish ourselves in cities where we have no presence as yet. We are looking at the financial data of towns with a population of over 30,000, and we have a clear idea which of those 50 cities, with a population of between 30,000 and 200,000 people, we want to be in.
A mass launch of new branches requires considerable expenditure, which very few can afford today. Moreover, last year we strengthened our management team – and as you know, recruiting top managers from the open market also costs a considerable amount of money. In 2012, the forecast was for Trust to make about 1.5-2 billion roubles in profit (excluding investment in infrastructure). This year, according to the Russian Accounting Standards, we are aiming for pure profit of 1- 1.5 billion roubles, with 50 new offices taken into account.
- What additional profit did your "mini" offices help you make?
- I think I should paraphrase: what would have happened if we had not opened those 300 offices? I think our sales would have gone down. But as a result of launching the new offices, sales actually grew by about 20%. And taking into account that many of our products are for the long-term (3-5 years), this investment into infrastructure will pay off, should the country remain stable, which is beyond our control.
An open market means the quality of the flow of borrowers is becoming lower, and there are several ways you can deal with it. Here the speaker points out the lower quality and not the quantity of clients coming to the bank. For example, you can relax your risk policy – the bank will not be lending less, but it will lower its risk indicators. You can also leave the risk policy as it is but then you will give out fewer loans as there will be insufficient number of clients meeting the criteria.
There is a third way – the way to extensive growth, which Trust follows. We understand that there is no potential to substantially increase the numbers of quality borrowers in areas where we already have presence; not unless we want to weaken our risk policy (and this is not something we wish to do). This is why one should spread geographically, find new cities and find new clients there. This expansion strategy cannot go on forever, however, but at the moment we have the potential for extensive growth if we follow this particular strategy.
- What type of growth have you planned for your credit portfolio, taking into account the Central Bank's measures aimed at tempering the growth of consumer lending?
- I estimate that in 2013 we will show growth of about 20%. This is due to the regulator's measures, a rather sluggish market and Trust actively restructuring its portfolios. Over the last few years, we have changed our asset structure considerably, by decreasing lending to corporate clients. From 2009-2012, we focused on consumer cash lending, and loans to small and medium-sized businesses (SMEs). Following that, we lost the "S", and in 2012, we lost the "M" out of the SME abbreviation. This is due to gradually decreasing the size of loan to individual borrowers (from US$5m to 1.5 million roubles). We have also stepped away from the expensive, subjective and risky technology of individual evaluation of the borrower.
Our goal was to build a "loan factory", which we did, and today we are working with small businesses (individual entrepreneurs primarily), based exclusively on score models. If a person, say, has two kiosks and three vans, he is our client. The owner of a company with 50 employees, formally considered as a small business by Russian law, is not our client really.
- Which products is the bank focusing on for its business growth?
- We have largely turned towards retail. If in 2011, Trust issued US$100m loans to individual borrowers and US$100m to SMEs, today we loan up to 1bn roubles a month to SMEs, but have considerably increased the amount we loan to individuals. Additionally, if in the past our main product was cash loans, for the past eighteen months we have been actively promoting POS-loans and growing our credit cards portfolio. Naturally, we have not had 20% annual growth in these areas; we have had a two-fold growth in credit cards (up to 11 billion roubles). This year, we want to increase this portfolio two-fold (up to 20 billion roubles). This is an aggressive growth made possible by encroaching into our other products. Just like our colleagues in the market, we think through operational costs and we understand that a credit card is the optimal product for an effective client relationship: they remain faithful, you can track their activity and you can easily control their credit limit; for example, we can increase the amount they can borrow while lowering their interest rate at the same time.
- A bank's rather high loan growth always gets the Central Bank's attention…
Trust is a dynamically developing bank which is focused on individual customers (both in terms of liabilities and assets). Therefore, we are under constant attention from the regulator, and since we are not doing anything outside the norm, we are not afraid of attracting additional attention.
- What are your plans this year regarding POS loans?
- POS loans come with rather high risks and operational costs. We have deliberately slowed down the active growth in this area. At the same time, Trust has a 6 billion rouble portfolio, which we maintain. However we are not trying to compete with state lenders operating in this niche. As a rule, new players tend to operate within federal networks, but we have never considered this a priority. Trust was a relatively late comer onto the market of POS lending. From the start, we have settled on a slightly different approach – we work with regional chains and individual stores. Obviously, we have more complex logistics and set ups, but it is worth it – our colleagues from other commercial banks are starting to feel the pressure from Leto Bank and Cetelem Bank for instance, whereas we are feeling rather confident about our own position.
- Will you slow down with regards to the release of other products?
- In our case, we are talking about the lack of active growth, but not cutting down on lending. Trust is not closing its POS lending programme, it is only stopping active growth in this area. For example, during 2012 we increased the number of operators at our call centre dealing with online applications. We have reached a plateau where we would like to remain until, at least, the end of 2013. Considering the growth in other areas of our business, in the second part of the year the significance of the online channel will decrease in relative figures – just like the significance of POS lending in terms of new clients.
- Where do you see your growth areas?
- From the beginning of this year, we are actively growing our corporate sales channel as we see lower risks there.
- Isn't the profit margin smaller here?
- The gross profit margin here is lower. A clear margin at normally lower rates can be the same or higher than you would have in the open market, as the cost of client acquisition and risk is lower when you are working with corporate clients.
- Speaking about risks, many banks say that risk increases when it comes to consumer loans. Do you see this tendency in your portfolio?
- No. We have seen a drop in the quality of the incoming flow of potential clients – certain groups have taken out too much credit. We are seeing more customers who miss payments, including over a long period of time. Accordingly, the number of loans we approve for new clients is going down. For this reason we are looking at developing other opportunities.
In particular, we are growing our corporate channel, working with existing clients, and so on. Therefore the quality of our new client base remains the same as we have a selection mechanism in place.
- Can you quantify the percentage of missed payments in your credit portfolio?
As per our forecast it is about 5.9%, which does not exceed our competitors' indicators.
On the whole, there is a tendency in the market to lower risk indicators, but this has less to do with the quality of clients in the portfolio, and more with the worsening of payment discipline as well as the double standards of some government agencies in this regard. Today the collection rate is getting worse everywhere – it is the same for phone operators and utility companies.
- How long did it take Trust to build up a reserve following the new requirements (which increased the level of reserve payments for unsecured retail loans), and which were released by the Central Bank in March?
- Of course, we, just like other banks are creating reserves following the changes now required by the Central Bank. According to our projections made at the end of 2012, we estimated that those innovations may cost us between 1 to 2.5 billion roubles. A more exact figure depends on many factors, including the portfolio turnover. Most of our products have a five-year term, while an average loan term is shorter; we observed a tendency to shorten them even more. We welcome early loan repayments, because it means we have chosen the right client. We offer new products to "good" clients, but this is considered to be a new portfolio. A quicker portfolio turnaround means that we have to create bigger reserves than originally planned.
- Will Trust lower its credit rates in the light of yet another requirement from Central Bank which raises risk ratios in the calculation of capital adequacy if the full cost of the retail loan exceeds 25%?
- Trust is not lowering its rates as it were, but we are re-considering plans for the issue of various products – offers with lower rates have received priority status in our portfolio structure as they create less pressure on the capital. We have turned towards the corporate channel, as it has lower risks and it costs less to acquire a client, allowing a bank to offer products with lower base rates.
- It is not a secret that Trust does not have extra capital…
- We are implementing our strategy with the capital, and our own capital adequacy ratio is within the acceptable corridor. It also meets all the requirements set by the regulator. At the same time, one needs a maximum amount of leverage for the bank to be effective when it comes to the working assets to capital ratio. We maintain it at 10% to 11%, which shows its maximum profitability. When it comes to this indicator, "higher" does not mean "better".
- Do you have plans to increase your capital this year?
- It grows in part due to the capitalisation of profits, and in part due to contributions by shareholders (although we have not resorted to this for a number of years). We had a perfectly normal, rational idea – the business must pay for itself and find avenues for growth within itself. We were able to achieve this over the last few years, but when, in a short period of time, the rules changed, we were forced to turn to the shareholders who invested an additional US$50m.
We are planning to raise capital this year and are currently preparing for the bonds issue – we want to see how the market will react to them. Naturally, the bank is interested in first-rate capital; this is why we are focused on perpetual bonds, and today we are working together with the Central Bank to this effect. If the regulator agrees the final terms and quickly approves our project documentation, we will aim to attract capital from the market via this tool as soon as 2013.
- In which currency will you borrow?
- We have not decided which currency the bonds will be in; maybe in Roubles.
- What level of yield would you be happy with?
- We have in the market "perennial" instruments belonging to a number of banks. For example, you can purchase VTB securities with a coupon payment totalling 9.5% in US dollars.
We understand that Trust is not VTB, and must provide a premium compared to a state bank. Just how big this premium should be, is up for discussion. We have a pretty good understanding of the limits, from 9.5% rising up to a maximum of 11%.
Our rouble-based investment tools yielded a 13% interest, but that happened at a time when our deposit rate was slightly higher. Today, the rates are lower and if exchange rates stops growing at such a fast pace, clients will once again be prepared to bet on the rouble long-term, and we will go down that route. If monetary powers weaken the rouble exchange rate, it will be difficult to offer a long-term rouble tool. We have a Russian proverb that says that "you count the chickens in the autumn", so we will take a decision in the autumn.
- What are your plans concerning your Ukrainian subsidiary. Ukrainian media say you are selling it for 12 million Euro. Is this true?
- We are pretty happy with the way business is growing in our Ukrainian subsidiary. Its sales volumes are growing, it's got value and is earning money. The motivation to sell only arises when something is not working or when someone urgently requires the money or there is no understanding of the development strategy… We do not have these problems. The Ukrainian bank is definitely not for sale.
In Ukraine, we are implementing the experience we have acquired in Russia. We think this experience is representative as local peculiarities are not universal. At the same time, just like in any other business, everything is very rational, and if we receive an interesting offer attractive to our shareholders, they will, at the very least, consider it.
- How effective has your Bruce Willis advertising campaign been in attracting clients?
- Here is a telling example: we launched the deposits advertising campaign with Willis in December 2010, and in just one month, it had brought in an additional (i.e. above the planned) 11 billion roubles of private individual deposits. In January, when everyone was back at work after the holidays, the first thing we did was to take down billboard advertising of the deposits. In 2011, the bank's retail portfolio increased by 70%.
Without a doubt, as far as drawing clients' attention to the bank's products and services, is concerned, every dollar spent on the advertising campaign with the Die Hard star has seen a return on our investment. Additionally, since Bruce Willis has been involved in the publicity campaign, brand recognition has increased considerably: last year, Trust was voted the third most recognised bank by Russian consumers. The fees of a leading Hollywood star are not that different from those asked by top Russian celebrities, but using Bruce Willis is, without a doubt, far more effective.
Interview by Tatyana Chubasova


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subset: commoncrawl


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Big Apple Pizza holds fundraiser for Martin County firefighter
Updated On: Jan 30 2013 06:12:50 PM EST
A fundraiser was held Wednesday for a Martin County firefighter who was badly burned on the job last month.
Jahwann McIntyre, 22, was trapped in a burning home in Stuart while battling the fire Dec. 27. He suffered serious burns and has been recovering at Jackson Memorial Hospital in Miami.
Big Apple Pizza in Fort Pierce hosted a fundraiser to help McIntyre's family pay for his medical expenses. Among those in attendance were McIntyre's mother and cousin, Buffalo Bills running back Corey McIntyre.
Corey McIntyre donated the shoes he wore during the final game of the season.
Last week, the owner of the house was arrested in connection with the arson. Martin County sheriff's investigators said Joseph Haas confessed to being at the house about the time the fire started.
WPBF 25 News' Tiffany Kenney spoke with McIntyre inside his hospital room. Watch the exclusive interview Thursday on WPBF 25 News at 11 p.m.
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Copyright 2013 by WPBF.com All rights reserved. This material may not be published, broadcast, rewritten or redistributed.


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Spring 2010
E 341L • Poetry Workshop-W
Course Description
This class, in a workshop format, offers further experience in reading, writing, and revising poetry. There will be some assigned readings (mostly handouts of the work of contemporary poets, and some from poets of other times and cultures) and specific written exercises, as well as poems to be worked on independently, more or less at your own pace. Your written work will be used in class discussion, and you must provide two copies of poems to be discussed for each person in the class. Write suggestions for revision on one copy (include your name), and return it to the author. Keep the second copy in a file; you want to refer to it again. Keep all drafts of your own work done for this course. Submit ONLY poems written during this semester. A final manuscript (a minimum of 8 poems, including all rewrites) will be due before the last class. (Exact date TBA.) If you write first drafts on the computer, periodically save or print out revisions so that you have more than one draft to hand in at the end of the semester. Also include any in-class written exercises (revised, and typed up) as well as all the signed feedback sheets you have received from others in the class. I will take into account the effort you make in critiquing the poems of others as well as the revisions you do of your own work. In-class or at-home exercises may be revised and included in your manuscript of 8 poems. Even if not designated for inclusion in the final MS, all work written for this course should be handed in as part of the final portfolio.
Grading Policy
The quality of the written work (75% of grade), as well as effort, class participation, and attendance (25%), will determine the final grade. Make every effort to attend class regularly and promptly. More than three absences (unless excused by a doctor's note) may result in a reduction of your grade; more absences (even for P/F students) may well substantially reduce your grade. (You should take this attendance policy very seriously.) If you reach class late, you may be counted as absent. (I reserve some discretion in these matters.)


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Tuesday QOTD
Find a Conversation
Tuesday QOTD
|Tue, 06-11-2013 - 7:20am
Am I truly this alone? Is anyone here at all?
I guess the Q&E tribe really did get fed up and moved on. It was a great ride. We were at the top of the mountain, or at least we felt we were, for about 8 years. I miss everyone.


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|Revised Standard Version (RSV)
|New International Version (NIV)
|9 "And you, Solomon my son, know the God of your father, and serve him with a whole heart and with a willing mind; for the LORD searches all hearts, and understands every plan and thought. If you seek him, he will be found by you; but if you forsake him, he will cast you off for ever.
|9 "And you, my son Solomon, acknowledge the God of your father, and serve him with wholehearted devotion and with a willing mind, for the LORD searches every heart and understands every motive behind the thoughts. If you seek him, he will be found by you; but if you forsake him, he will reject you forever.
|Revised Standard Version of the Bible, copyright 1952 [2nd edition, 1971] by the Division of Christian Education of the National Council of the Churches of Christ in the United States of America. Used by permission. All rights reserved. (Revised Standard Version - Holy Bible)
|Scripture quoted by permission. Quotations designated (NIV) are from THE HOLY BIBLE: NEW INTERNATIONAL VERSION®. NIV®. Copyright © 1973, 1978, 1984 by Biblica. All rights reserved worldwide. (New International Version Bible Online)


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Australian National Academy of Music
What We Do
Artistic Director
2014 Students & Fellows
2014 Faculty
Board & Management
What's On
Event Calendar
In Performance
View 2015 Season Brochure
Music Makers
2015 Tickets
2015 Concert Packages
2015 ANAMates Membership
Trusts & Foundations
Government Partners
Corporate Partnerships
Endowment Fund & Bequests
Why ANAM?
The ANAM Experience
Study Pathways
Contact Us
2012 Events
Recital Season 6 - Katie Yap
Recital Season 6 - Nelson Yarwood - CANCELLED
Recital Season 6 - Anthony Chataway - CHANGE OF DATE
Recital Season 6 - Jessica Fotinos
In Conversation With Anthony Marwood
Masterclass with Aldo Baerten
Flutes and Flutists Present Aldo Baerten in Recital
Recital Season 6 - Thomas Williams - CHANGE OF DATE
Recital Season 6 - Alexina Hawkins
Recital Season 6 - Aidan Boase
Recital Season 6 - Matthew Laing
Recital Season 6 - Emily Sheppard
Recital Season 6 - Madeleine Jevons
Recital Season 6 - Caroline Hopson
Recital Season 6 - Nadia Buck
Recital Season 6 - Kim Worley
Recital Season 6 - Anna Cooper
Recital Season 5 - Iain Faragher
Recital Season 5 - Jonathan Heilbron
Recital Season 5 - Claire Linquist
Recital Season 5 - Emma Buss
Recital Season 5 - James Larsen
Recital Season 5 - Courtenay Cleary
Recital Season 5 - Sebastian Dunn
Recital Season 5 - Robert Manley
Recital Season 5 - Cameron Jamieson
Recital Season 5 - Nelson Woods
Recital Season 5 - Simon Pauperis - CANCELLED
Recital Season 5 - Amy Brookman
ANAM Quartethaus
ANAM Quartetthaus
ANAM Quartetthaus
ANAM Quartetthaus
ANAM Quartetthaus
ANAM Quartetthaus
ANAM Quartetthaus
ANAM Quartetthaus
Cape Town Opera
Recital Season 4 - Justin Beere
Recital Season 4 - Lloyd van't Hoff
Recital Season 4 - Callum G'Froerer - please note: change of time
Recital Season 4 - Daniel Henderson - please note: change of time
Recital Season 4 - Allison Wright
Recital Season 3 - William Hewer
Recital Season 4 - Josh Rogan
Recital Season 3 - Ben Anderson
Recital Season 3 - Ashley Carter
Recital Season 3 - Gladys Chua
Recital Season 3 - Georgina Roberts
Recital Season 3 - Stewart Kelly
Recital Season 3 - Jack Schiller
Recital Season 3 - Dafydd Camp
Recital Season 3 - Laura Brown
Recital Season 3 - Matthew Kneale
Recital Season 3 - Julie Igglesden
Recital Season 2 - Alistair Crawford
Paul Wright & Howard Penny Direct
Chamber Music Competition Final
Sound Bite
ANAM at Huntington
Australian Voices - Miriam Hyde
Masterclass - Aleksander Madzar
In Conversation with Stephen Emmerson
Sound Bite: ANAM Fellowship Recital
In Conversation with Paul Wright - CANCELLED
Anthony Marwood Directs
ANAM Concerto Competition Final
Australian Voices - Andrew Schultz
Sound Bite: Cruden Farm
Sound Bite
St Silas Sundays
Conversations With Ghosts
Masterclass - William Coleman & Naoko Shimizu
Sound Bite - Cancelled
Sound Bite
Mostly Mozart: Symphony of the Gods
Masterclass - Gordon Hunt
Masterclass - Stephen Hough
Exploring the Italian Flute School - Recital
Australian Voices - Paul Stanhope
In Conversation with Matthew Hindson AM
Sound Bite
Roy Howat Performs
In Conversation with Roy Howat
The Nadia Boulangerie - SOLD OUT
Les Six Sound Bite
Les Six Sound Bite
Les Six Sound Bite
In Conversation with Iain Grandage
Sound Bite
Fellowship Recital
Emerald Hill Cultural Precinct Open Day
Sound Bite
Australian Voices - James Ledger
St Silas Sundays
In Conversation with David Dolan
Fellowship Recital
Sound Bite
Vers Minuit
Paul Daniel Conducts
Mostly Mozart: Pipe Dreams
Brass Compositions
Viola! Sound Bite
In Conversation with Violists!
Viola! Sound Bite
Viola! Sound Bite
Masterclass - Viola!
Masterclass - Viola!
Viola! Sound Bite
Masterclass - Viola!
Viola! Sound Bite
In Conversation with Takács Quartet
St Silas Sundays
Recital Season 2 - Thibaud Pavlovic-Hobba
Sound Bite - Fellow Recital, Jarrad Mathie
Recital Season 2 - Deborah Ng
Fete de la Musique
Recital Season 2 - Kiran Phatak
Recital Season 2 - Jack Ward
Recital Season 2 - Emma Hunt
Recital Seaon 2 - Anna Pokorny
Recital Season 2 - Rowan Hamwood
Recital Season 2 - Ioana Tache
Recital Season 2 - William Hewer
Recital Season 2 - Jack Bailey
In Conversation with Matthew Hindson
Recital Season 1 - Julia Brooke
Masterclass - Julian Rachlin
Recital Season 1 - Rachel Shaw
Recital Season 1 - Georgia Ioakimidis-MacDougall
Recital Season 1 - Liisa Pallandi
Masterclass - Sarah Willis
Recital Season 1 - Alexander Morris
Recital Season 1 - Edwina George
Recital Season 1 - Peter Clark
Recital Season 1 - Tom Higham
Recital Season 1 - Shane Chen
Australian Voices - Gerard Brophy
Nicolas Altstaedt Directs
The Music of Karlheinz Stockhausen
Recital - Denis Bouriakov, flute
Flute Workshop Denis Bouriakov
Paul Wright & Howard Penny Direct - POSTPONED
In Conversation with Paul Wright - CANCELLED
Mostly Mozart: Bach & Battle
Masterclass - Trio Dali
Sound Bite - Fellow Recital, Jarrad Mathie
In Conversation with Barry Conyngham AM
Sound Bite - ANAM Brass in Concert
Mothers' Day Concert
Sound Bite
Australian Voices - Liza Lim
Musicircus: John Cage
Sound Bite
Improv Sound Bite
In Conversation: The Art of Improvisation
Isabelle Perrin in Concert
Masterclass - Isabelle Perrin
Masterclass - Alexei Ogrintchouk
Dale Barltrop Directs
Australian Voices - George F. Boyle
In Conversation with Dale Barltrop
Sound Bite - Dale Barltrop
In Conversation with Tony Gould AM
Sound Bite
Sound Bite
Australian Voices - Nigel Westlake
In Conversation With Paul Dean
2012 Opening Concert
Mostly Mozart: Drama!
Sound Bite
Program will include:
Gran Partita
ANAM Musicians
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text:
Earlier today we told you how to Jailbreak your iPhone 4S or iPad 2 Untethered on the iOS 5.0.1 firmware with the Mac OS X version of RedSn0w 0.9.11b1. The reason we are bringing back up Jailbreaking your iPhone 4S or iPad 2 Untethered on iOS 5.0.1 is because the iPhone Dev-Team recently released a method for downgrading A5 iOS devices with saved SHSH blobs. As we like to have both a Mac OS X and Windows version of our how to guides, in this tutorial you will learn how to Jailbreak your iPhone 4S or iPad 2 with the Windows version of RedSn0w 0.9.11b1.
Source: ijailbreak.com
Video: How to Jailbreak iPad / iPhone / Touch UNTETHERED (Under 30 Seconds)
How To Jailbreak iPhone 4, iPhone 3GS, iPad 1 on iOS 5.1.1 Using RedSn0w [Tethered]
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Source: simonblog.com
How to Jailbreak iPad 2 Using Absinthe For Mac/Windows [iOS 5.0.1 / iOS 5]
There has been much work on this jailbreak. Since the release of iOS 5.0.1 3 months ago, hackers have been working hard to achieve the untethered jailbreak on all devices. Pod2g first released the untethered jailbreak for all A4 devices running iOS 5.0.1. Now, with the help of the dream team, pod2g could release his untethered jailbreak for A5 devices so that all devices are now jailbroken.
Source: blogspot.com
How to Downgrade iPad 2 on iOS 5.1 / iOS 5.1.1 to iOS 5.0.1 Using Redsn0w
Step 10: In the next step, you need to retrieve the iOS 5.0.1 SHSH blobs for the downgrade process. If you've them stored locally then click on the Local button or click on the Remote button, if you want Redsn0w to download them from Cydia. If you had jailbroken your iPad 2 while it was running iOS 5.0.1 and launched Cydia at least once then Cydia would have cached the SHSH blobs on the server. Redsn0w will show the progress bar as it Fetching blobs from the server.
Source: iphonehacks.com
[How To] Jailbreak the iPhone 4S and iPad 2 with RedSn0w 0.9.11 b1
As we inform you earlier the release of latest redsn0w 0.9.11 b1 that has the ability to downgrade your iDevices to lower firmware, so here we provide the full tutorial to jailbreak your iPhone 4S or iPad 2 with RedSnow. Redsnow0.9.11b1 allows users who may have accidentally upgraded to iOS 5.1, to downgrade to iOS 5.0.1. Before that it was only possible to Downgrade A4 iDevices like iPhone 3GS, iPhone 4, iPad 1, iPod touch 4G and iPod touch 3G from iOS 5.1 to iOS 5.0.1 using the SHSH blobs.
Source: iphoneleaks.net
Jailbreak news: iPad 3 untethered jailbreak coming soon, and restore your A5
There is no doubt that a jailbreak for the new iPad is a big deal. This will be the first time that an iOS device with 1GB of RAM has been opened up in such a way, and will allow for some truly spectacular multitasking capabilities. The Retina display will allow for Quasar, a multi-screen app tool, to work the way it was intended. The options are endless.
Source: mobilesyrup.com
The New iPad 3 Jailbroken On iOS 5.1.1 By Pod2g
It seems that we are closer then ever to getting the untethered jailbreak for iPad 3 and iPhone 4, although currently this is used only for iPad 3 and iPhone 4 but it seems that this jailbreak exploit can be used to jailbreak all iOS devices according to pod2g. If this turns out to be true, it will be ones of the best jailbreak tools ever!
Source: maypalo.com
How To Jailbreak iOS 5.1.1 On iPhone, iPad, iPod touch Using Redsn0w
Not long after Apple released iOS 5.1.1, Dev-Team's MuscleNerd revealed in twitter that iOS 5.1.1 is jailbroken. This means all A4 iOS devices like iPhone 3GS and 4GS, iPhone 4 and 3GS and the original iPad can now be jailbroken on iOS 5.1.1 by Redsn0w 0.9.10b8b. But not so good news is that this tethered jailbreak will not yet support iPad 2, iPhone 4S or the new iPad.
Source: hubgeek.com
How to Downgrade iPad 3, iPad 2, or iPhone 4S from iOS 5.1 to Jailbreak Again
Finally today, the iPhone Dev-Team released the method to downgrade back iPad 3, iPad 2, and iPhone 4S with the help of SHSH Blobs to older iOS in order to have the Untethered Jailbreak back again. This downgrade method works with the latest redsn0w v0.9.11b1. Now finally you can downgrade your iPad 3, iPad 2 and iPhone 4S to iOS 5.1 and iOS 5.1 with the help of Redsn0w 0.9.11b1. This version of Redns0w was teased by @MuscleNerd few days back on his Twitter account and today he finally released the new version of redsn0w.
Source: techglued.com
How To: Jailbreak iPad 2G, iPad 1G On iOS 5.1, 5.0.1, 5.0 Using RedSn0w 0.9.10b8b [Mac OS X]
Utilizing the current version of a Jailbreaking tool is consistently a very good concept when Jailbreaking your iPad since the most recent patches and also improvements are going to be used. As such people assumed it would definitely be an excellent notion to perform an upgraded how to guide for Jailbreaking by having the current version of RedSn0w, which is RedSn0w 0.9.10 b8b. It is essential to remember that RedSn0w has certainly certainly not been updated to add assistance to Jailbreak any type of new equipments or Jailbreak the iOS 5.1 firmware Untethered. People are merely offering an upgraded precisely how to lead to Jailbreak your iPad making use of current style of RedSn0w. Hence, without more concern, in this exactly how to direct you may discover exactly how to Jailbreak your iPad 2G or iPad 1G magnifying to the iOS 5.1 firmware on Mac OS X.
Source: iredsnow.net
Jailbreak 5.1.1: iPad 3 running 5.1.1 already Jailbroken untethered
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Source: jailbreaktweak.com


text:
Prayer Week
- Home
- Parents
- Parent Events
- Parent & Grandparent Prayer Week
Parent & Grandparent Prayer Week
It is Taylor's desire to dedicate one week in February each year to prayer; a week where parents and grandparents from across the United States and the world would gather together and lift up Taylor's students, faculty, staff, and one another. Gatherings for As We Pray take place in the homes or churches of current parents.
Interested in hosting a 2015 As We Pray gathering? Contact email@example.com.
We hope you join us for As We Pray 2015, February 16 – 21.


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Point-of-Care Pricing Toolkit
Toolkit to help you collect payment from patients before they walk out the door
Did you know that 48% percent of better-performing practices collect more than 90% of patient payments at the time of service?
See decreased accounts receivable and more cash flow in your practice immediately by collecting payment from patients at the time of service—before they walk out the door. Make the most of the information that is now available from an eligibility benefit inquiry and response transactions (eligibility request and response) to help you determine a patient's financial responsibility and receive payment from them at the time of service—reducing billing and back-end collection costs. Your practice can stay financially viable by collecting what patients owe at the time of service.
By making a decision to use point-of-care pricing (POC) to collect from patients at the time of service, your practice can:
- Save money that would be otherwise spent tracking and writing off bad patient debt;
- Increase cash flow, and reduce administrative costs and burdens, by obtaining eligibility verification and other crucial information upfront.
Access the following archived webinars to help your practie learn how to collect payment from patients at the point of care.
- "Electronic eligibility request and response: Much more than 'Yes, the patient is eligible." – Also access a toolkit to help you learn how to use electronic eligibility verification.
- "Helping patients understand financial responsibility at the time of service, part one."
- "Helping patients understand financial responsibility at the time of service, part two: What to do when you encounter bumps in the road"
Although almost all patients have some responsibility to pay for the medical services they receive, patient responsibility may be overlooked at the time of the visit. Most patients have, at minimum, a co-payment due at the time of an appointment, and many patients have other financial obligations, as well.
View steps that your practice can take to successfully collect accurate payments from patients at the point of care.
POC pricing and collection at the time of service is possible - Learn how!
As deductibles and coinsurance amounts continue to increase, so has uncollected patient financial responsibility, resulting in physician practice bad debt. Avoid lost revenue by receiving potentially greater patient payment at the time of service.
The cost of collection services can vary from 20% to 50%, depending on the volume of accounts and revenue recovered. Here are some more noteworthy figures:
- Nineteen percent of all health insurance was high-deductible health plans (HDHPs) in 2012, and it is likely this number will keep increasing as the percentage of employers offering these plans has been growing quickly, with 31% of employers offering such plans in 2012. [1] Of particular concern to physicians, HDHPs are disproportionately found among lower income workers for whom health care debt may be a bigger challenge.
- Based on historical averages, your practice will recover just $15.77 for every $100 owed once patient's bad debt is turned over to collections. [2] Using information from the electronic eligibility benefit inquiry and response transactions with the Health Insurance Portability and Accountability Act (HIPAA)-mandated operating rules can help your practice provide point-of-care pricing in order to collect payments from patients at time of service and lower your back-end collection cost.
- Reminding patients to pay their bills by creating and mailing statements costs physician practices between $5 and $14 per patient. If a patient does not pay his or her bill within three statements, the likelihood of a practice receiving payment diminishes greatly. Collecting from patients at the time of service helps ensure payment.
From a cash flow perspective, if the average amount due from a patient at the time of their visit is $110, and each physician in your office sees 20 patients each day, you could miss out on collecting $2,200 per physician each day[3]
Avoid lost revenue and increase your cash flow by incorporating patient payment at the time of service into your practice today.
[1] Kaiser/HRET Survey of Employer-Sponsored Health Benefits, 1999-2012
[2] Margolis J, Pope C. Perspective on patient payments. MGMA Connexion. April 2010: 37.
[3] Margolis J, Pope C. Perspective on patient payments. MGMA Connexion. April 2010: 39.
Everyone involved in patient service—from the front office staff to physicians and billing staff—plays an essential role in contributing to cash flow. Before providing point-of-care pricing to patients, it is important to consider the value that collecting at the time of service brings to your claims revenue cycle. Listed below are metrics to consider prior to establishing a process for providing point-of-care pricing to your patients and collecting payments at the time of service.
- Patient responsibility as a percentage of total revenue
- Percentage of total payments received from patients as a percentage of total patient responsibility or percentage of patient bad debt
- Accuracy of point-of-care price estimates
- Cost to collect payments at the time of service
- Cost to mail statements and reminders
- Cost of back-end collections
- Patient satisfaction
- Staff satisfaction
- Physician satisfaction
- Return on investment (ROI) for instituting POC pricing and collecting payments at the time of service
Does your practice management software system (PMS) offer what your practice needs to collect at the time of service? Are you able to determine point-of-care price estimates electronically for your patients? Does your PMS allow you to post and reconcile payments made by patients at the time of service, prior to billing the health insurer? Are you able to electronically submit your claims on the same day of service?
If you answer "no" to one or more of these questions, then your PMS does not offer all of the capabilities you need to perform your point-of-care collections in your practice. Reach out to your PMS vendor, billing service and clearinghouse to discuss options and product functionality that help your practice collect payments at the time of service successfully. If your PMS does not currently provide this functionality, many health insurers provide access to point-of-care pricing estimators. Visit www.ama-assn.org/go/payerpolicies to access online resources.
Access the AMA and Medical Group Management Association's "Selecting a practice management system toolkit" to learn more.
Learn what physician practices from across the country are saying about how they're using electronic eligibility verification to collect from patients at the time of service—and how you can do the same in your practice. Join the AMA Administrative Simplification LinkedIn Group to learn more about having a "paperless practice," and ask your own questions! Physicians, practice staff, consultants and other health care partners are invited to join this group. If you don't have a LinkedIn account, you can open one for free here.
View the sample template letter (for AMA members) directed to health insurers and other payers for inquiries concerning the terms & conditions of your insurance contracts as they relate to your right to provide point-of-care (POC) pricing and collect payments at the time of care. As a benefit of membership, AMA members can download this sample template letter as a Word file to modify and customize in their practices.


text:
Two juveniles accused of raping 11-year-old girl reach plea deal
Published On: Nov 17 2011 07:34:57 AM CST
Updated On: Nov 17 2011 08:31:40 AM CST
Updated On: Nov 17 2011 08:31:40 AM CST
Two of the six juveniles charged with raping an 11-year-old girl in Cleveland last year have pleaded guilty.
Details of the plea agreements are not being released because they involve juveniles.
The Liberty County attorney says there are four more juvenile cases that have not been resolved at this time.
In all, there are 20 suspects in the case.
The views expressed are not those of this company or its affiliated companies. Please note by clicking on "Post" you acknowledge that you have read the Terms Of Service and the comment you are posting is in compliance with such terms.blog comments powered by Disqus


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This doctor is no longer in our Doctor Directory. Click here to return to the main directory listing.
Valley View Hospital Among Top 5 Percent Nationwide in Patient Experience: HealthGrades
- Award from HealthGrades Determined by Patient Experience Surveys -
Valley View Hospital is a recipient of HealthGrades Outstanding Patient Experience Award, a designation based on patient survey data collected as part of the federal government's Hospital Consumer Assessment of Healthcare Providers and Systems, or HCAHPS.
|Contact Us
|© 1998 Valley View Hospital ~ 1906 Blake Avenue Glenwood Springs, CO 81601 ~ PHONE: 970.945.6535


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Baby Blizzard Bear
Binds to Battle.net account
Use: Teaches you how to summon this companion.
Gets comfortable and sits down.
Pit-pattering footsteps; vocalizations (on-click)
This pet uses the same model as Poley, but unlike Poley the Baby Blizzard Bear features a sit animation. It was rewarded via the mail when players logged in with a character during WoW's 4th Anniversary event between November 23rd and December 7th in 2008. In addition to receiving this pet, logging in also earned your character the WoW's 4th Anniversary achievement.
To make et harder to get, they could make it more expensive if it is.
Just a heads up for others trying to get it back after deleting it or it having it go missing out of their bags.
ETA: Submitted another ticket and got a GM return the item. I now have an adorable baby blizzard bear!!
This guy is one of my favorite pets for battles. He hits hard, takes dmg like a pro and heals. I used him to capture the Unborn Val'kyr, since she does Haunt it was very important the pet didn't die. He finished the battle no problem on his own and I got my Val'kyr. I <3 this little guy :)
The only thing that stands out(except for looks of course) is that you can chose Call Blizzard instead of Rampage. But for me the bear is not ideal to use Call Blizzard with, there seems like there are better choices out there. And if you want to run a bleed team you might as well go with a Darkshore Cub. Not a bad pet but definetly nothing outstanding.
Might be fun to use against Call Darknesss birds, you take weak damage and then change weather to make them miss Nocturnal Strike.
This guy Rocks at battle
I had this pet before MOP came out, now he is gone. Cry...What happened? Anyone else have that happen to them?
Was hoping this little guy would be included in the new Recruit-a-friend promotion. Here's hoping he returns sometime for those who missed out on getting him.


text:
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Australian Members - Page 1445post #21661 of 5784611/19/12 at 3:27pm
Styleforum Top Picks
post #21662 of 5784611/19/12 at 3:37pmWarning: Spoiler! (Click to show)Quote:Originally Posted by Spandexter
- New Luciano Barbera Navy Blue Sweater X Small/46No reviews yet.
- Brooks Brothers Golden Fleece® 7-Fold Satin TieNo reviews yet.
I recently picked up some Howard Yount grey flannel and Epaulet navy donegal tweed trousers as well as an Epaulet button down oxford. I couldn't decide between the HY's and EP's so decided to pick up one of each and I have to say I am impressed by both. Neither require any modification except for hemming and both are a true slim fit with a lovely drape. If I had to pick one over the other I'd give it to the EP trousers by the smallest of margins as they just feel really, really nice on but to be honest I don't think you can go wrong with either. Shirt is really nice quality too although I think the neck might be a half inch too big. Apologies for the crappy iphone pics.
Thoughts on these Carmina Chelsea boots? Half of me really likes them and the other half isn't quite sure.
Come on man, basically the only home grown quality product out there is RM Williams, so when you have an opportunity to buy them go for it. I'm not entirely sure, but given the great things people say about RM Williams construction I think they'd be close if not on par with Carmina (only for boots). I love the look of some of those Carmina chelsea boots, but I couldn't bare to admit that I'd snubbed RM Williams for something European.
(For the record, this is about as patriotic as I get)post #21663 of 5784611/19/12 at 4:00pm
post #21664 of 5784611/19/12 at 4:26pmWell - as usual it depends.
- Posts: 1,884
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- Select All Posts By This User
If the collar is starched very very stiff then it will wear a bit more against the neck and cuffs, but starch can also assist in preventing dirt from ingraining in material. Starch is water soluble so just washes out and takes dirt with it. Theres a whole bunch of new spray on starches . Theres a whole small science of starches - how to iron it get it a shiny look - how not to. How to make your own starch. I don't use it.
The truth is nowadays that your shirt will get worn out more from washing harshly and drying in dryer. Theres no need to wash in anything but cold water, minimal detergent and on super gentle wash and drip dry on hanger ideally. The old traveling standby, wash shirt by hand as you shower at night and hang on hanger over shower, dry any dampness with iron or hair dryer in morning, is possibly the best way to do your shirts anyway.post #21665 of 5784611/19/12 at 4:39pmQuote:
Welcome back.
FXH, from now on, I will only cold wash and drip dry my shirts, jumpers, trousers and shorts. I have heard fabric softener will destroy your clothes, but people who smell my clothes say they smell great, and that is attributable to fluffy :D.post #21666 of 5784611/19/12 at 4:47pmpost #21667 of 5784611/19/12 at 4:54pmQuote:
What about when one of your kids, or your wife cuddles you? The smell of your beautiful, fabric softened shirts will work wonders. That's why they call it 'cuddly'.
It also makes it much easier to iron.post #21668 of 5784611/19/12 at 5:21pm
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Only thing i didnt like was the inch of "disappearing" collar under the knot-boner .. probably the angleQuote:Originally Posted by lachyzee
I'm still experimenting with my collar order.
The one above is an unfused collar with the P Johnson cutaway dimensions (9cm points, 5cm height). I know HC goes with 3.75" points for his shirts which seem to have a fantastic collar - I may try this for a future order. I had 3" points on my first Luxire order which I found to be too short.
P Johnson goes with light fusing, though. I personally have become quite attached to the comfort factor of an unfused collar, though it will never be as crisp at the end of the day as a fused collar.
I like the pjohnson semi cutaway high collar personally. Did you know there are interlining options too? e.g. if I get a MTM with BD collar ill go lightest interlining for greatest roll. I generally prefer unfused collars and wear my shirts soft. I never use my collar stays unless Im at a wedding/funeral that commands respect.Quote:
Good quality fabric = easy to iron too :) Sometimes i just roll my shirts after the spin cycle and then hang them and for casual wear the soft unironed look is quite good.
Always iron shirts with tie and i never starch (sorry FXH) ... i also bare my ankles regularlypost #21669 of 5784611/19/12 at 5:52pm
Quote:post #21670 of 5784611/19/12 at 6:01pm
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I'd disagree here. My shirts from from DJA and Acorn (Grasmere Book) are a bitch to iron.post #21671 of 5784611/19/12 at 6:15pm
post #21672 of 5784611/19/12 at 6:17pm
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yes i regret that comment now .. synthetics also stay well ironed hehe
OK better choice of words would be "better weaves = easier to iron"
so a twill is much easier than a poplin as an example.post #21673 of 5784611/19/12 at 6:19pmQuote:
PG isn't who you're thinking.post #21674 of 5784611/19/12 at 6:33pm
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not sure if you guys already know but Herringbone is having a pop up sale next to Tiffany's in martin place. I just went over to have a quick look - suits are $399, ties $50, pants $80ish, knits $70 from the top of my head.
Not many sizes left from what I could see (but I didn't spend too long, was waaaay too crowded) a lot off 44+ suits / jackets. A few good quality knits/cardigans in the large/medium sizes too.post #21675 of 5784611/19/12 at 6:43pm
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Think it isn't as easy as 'good fabric'.
For instance, my Sic Tess and T Mason oxfords are generally a dream to iron compared to the Alumo poplins.
OTOH, my white shirt in 2-fold 80s Alumo poplin is much easier to iron than the white shirt in 2-fold 120s Sic Tess oxford.
Then again, my two patterned Sic Tess oxfords (also 120s) are easier to iron than said 80s Alumo poplin.
Many a time, you have to trust your shirtmaker to give you an accurate lowdown on what you're buying. As Charles Nakhle often says, certain cloths 'love' the iron.Return HomeBack to Forum: Classic Menswear
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text:
Plaza Hotel and Casino, Las Vegas
Rooms: 1037
Reviews - Plaza Hotel and Casino
Read 344 additional reviews of Plaza Hotel and Casino at TripAdvisor.
Want to see more hotels? View all hotels in Las Vegas
Historical Traveller Reviews of Plaza Hotel and Casino
Hated the Plazafrom TLCCin
The Smell was badfrom A TripAdvisor Member
90% thumbs upfrom A TripAdvisor Member
stinky roomfrom A TripAdvisor Member
fitzgeralds, california, and main street station are much better choices
Friends Married Herefrom A TripAdvisor Member
We were kept "well watered" in the casino. The wedding was first class, although brief. Ok, so it is a little shabby in places and we did have a leaky ice machine on our floor (24th), but I suppose the price reflects this. We had an excellent view of the Strip from our room (2430) in the South Tower. There is an excellent bus service the other end of Freemont Street. The #301 bus travels the length of the Strip.
For $5 you can buy a 24 hour ticket and get on and off as much as you like. Good value when a single journey is $2.
I would definitely stay here again. The Strip is a little too busy and "in your face" for me.
Great Place To Stayfrom A TripAdvisor Member
You get what you pay forfrom A TripAdvisor Member
Not Great, Not Horrificfrom A TripAdvisor Member
Meaning it's been there for days and may still be there! Pretty gross, I must say. The second stay was worse, I was in the South Tower, once again, in 1035 and the room just smells of urine. As soon as I walked in there, I could smell it. It helped to turn up the AC, unfortunately, the maids would constantly turn it off if I was out of the room, which was all the time, so I'd come back to a smelly room everyday. The 8th floor maids put the AC on full blast so I'm not sure what the deal is there. The bed had a wooden frame/support so there was no way any strangers' socks would be found. Perhaps that explains why the maids didn't check under the beds on the first stay. Upon check out, I asked the woman (British accent?) a simple question : 'How do I get to the airport?' She hadn't a clue, and told me to go outside and ask! I suppose there should've been security outside but there wasn't. AND she didn't even bother giving me a receipt. The breakfast buffet isn't worth the money so unless you have a free voucher (which I had and think I have a leftover one if anyone wants - expires 8.28) don't bother. It's pretty gross if you really think about it, then again, so are most hotel breakfast buffets. It's a fine place to crash, it's worn, and it's luck of the draw on the rooms and people who are helpful and know their stuff. And be careful, the doors sometimes don't close and lock properly without a good, strong pull/push, and make sure the maids close them properly too!
Great trip thanks to the Plazafrom A TripAdvisor Member
Very Nicefrom A TripAdvisor Member
Top Local Tips for Las Vegas
DONT DO GRAYLINE shuttle bus Grayline shuttle bus is one of at least three other shuttle busses at the airport that will get you to where ever your hotel is. Grayline is NOT more or less expensive, they just don 't have good customer at ALL! They didn't show up AFTER I CALLED like requested 24 hours in advance. After arguing with them on the phone they FINALLY showed up an hour late. Get the names of people you talk to and WRITE THEM DOWN! Shuttles cost for the downtown hotels, 8.00 per person from the airport and 15.00 round trip per person back TO the airport. If you are staying on the strip in Vegas, 12.00 Round trip per person (the prices may change, but all the shuttles at the airport are REAL close in price if not the same) You can ride the "deuce" a double decker bus up and down the strip all the way to Freemont street and probably further if you know what routes to take :) one way is 2.00 or for 24 hours unlimited 5.00 (pay the 5 bucks, give your feet a rest you WILL NEED IT! lol)
you get what you pay for spend the extra money and stay at the Golden Nugget. Everything was absolutly great at the Nugget, well worth what the price was. I will stay at the Nugget again and again, that is for sure!
Video Poker Avoid the "Jacks or Better" game on the machines at The Sportsbook Bar at The Plaza. It only pays 6/1 on a full house instead of 9/1. At a regular rate of play you would be out about 60 credits an hour.
- (hotels)
Other names for Plaza Hotel and Casino
- plaza las vegas
- plaza hotel las vegas
- Address: Main Street - Las Vegas - Nevada - 89101 - United States
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- (hotels)
Hotels Near Plaza Hotel and Casino
- Golden Gate Hotel and Casino Las Vegas, Nevada
- California Hotel and Casino Las Vegas, Nevada Distance: 0.2 km / 0.1 mi
- Golden Nugget Hotel Las Vegas, Nevada Distance: 0.2 km / 0.1 mi
- Fremont Hotel and Casino Las Vegas, Nevada Distance: 0.3 km / 0.2 mi
- Four Queens Hotel and Casino Las Vegas, Nevada Distance: 0.3 km / 0.2 mi
- Main Street Station Hotel Las Vegas, Nevada Distance: 0.3 km / 0.2 mi
- Bridger Inn Hotel Las Vegas, Nevada Distance: 0.3 km / 0.2 mi
- Fitzgeralds Casino and Hotel Las Vegas, Nevada Distance: 0.4 km / 0.2 mi
- Koala Motel & Apartments Hotel Las Vegas, Nevada Distance: 0.6 km / 0.4 mi
- Downtowner Motel Hotel Las Vegas, Nevada Distance: 0.9 km / 0.6 mi
- Best Western Main Street Inn Hotel Las Vegas, Nevada Distance: 1.3 km / 0.8 mi
- Best Western Parkview Inn Hotel Las Vegas, Nevada Distance: 1.6 km / 1 mi
- Stratosphere Casino Hotel and Tower Las Vegas, Nevada Distance: 2.6 km / 1.6 mi
- Binions Horseshoe Casino and Hotel Las Vegas, Nevada Distance: 3.5 km / 2.2 mi
- Hilton Grand Vacations Club at the Las Vegas Hotel Las Vegas, Nevada Distance: 3.6 km / 2.2 mi


text:
July 23, 2004
At first glance, wildflowers seem like such dainty, unassuming little things. They sprout up along Arizona's roadsides and mountain slopes each spring, radiating brilliant bursts of color and releasing perfume -sweet scents to the afternoon breeze.
But these blossoms aren't wallflowers; some of them actually have quite a following, especially the penstemon. The flower's devotees, botanical groupies of a sort known as "penstemaniacs," comprise the American Penstemon Society, and a little of their love is rubbing off on the Arboretum of Flagstaff.
"We wanted to focus on a particular plant, and the penstemon was an obvious choice," says arboretum assistant director Steve Yoder. "It's beautiful, it's found all over the state and it's a water-saver." In honor of the blossom, the arboretum will host its firstever Penstemon Festival 9 a.m. to 5 p.m. Saturday.
The festival will offer fun for even the youngest in the family, with activities 10 a.m. to 2 p.m. Kids can create a penstemon puzzle from stamps and paper, and play a pollination-themed matching game that utilizes larger-thanlife-size papier-mache flower parts, bees and hummingbirds. There will also be a daylong scavenger hunt.
Adult activities include a 10 a.m. lecture geared toward home gardeners and a 2 p.m. lecture on the plant's natural history, of interest to hikers and nature enthusiasts. Penstemon expert and author Ellen Wilde will sign "Growing Penstemons: Species, Cultivars, and Hybrids" 10 a.m. to 2 p.m. Experts will demonstrate how to plant the wildflowers at 9:30 a.m. and 4 p.m.
"The great thing about these flowers is that there are more types of penstemon than any other native plant in North America, and that means that many varieties do really well in the Phoenix area. It's a great drought-tolerant plant," Yoder says.
Miles of pathways lead through lush high-country gardens and natural habitats, where signs provide detailed information about area plants and wildlife. Visitors are free to explore the grounds on their own, but guided tours are at 11 a.m. and 1 p.m. The free one-hour walks are led by staff members and docents who clue guests into "inside information" about the arboretum's environment, display gardens, solar greenhouse and more. Golf cart tours are available for visitors with limited mobility; inform the visitors center staff of your request before the tour.
The Penstemon Festival is free with paid admission to the arboretum. Prices are $4 adults, $3 seniors, $1 children ages 6 to 12. For more information, call (928) 774-1442.


text:
- 8/25/14 /
- Comment
Watch a Stoned Sarah Silverman Show Off Her Vape on the Red Carpet
Giuliana Rancic didn't know what to do.
Skip to content, or skip to search.
Giuliana Rancic didn't know what to do.
Because the competition on the red carpet can be as interesting as the awards race itself.
Check out the latest red-carpet looks as we update our gallery throughout the night.
See TV stars in the designer clothes (most of) their characters can't afford.
Time to study dresses with the scrutiny of an electron mani-cam.
Plaza gently rests her head on Poehler's shoulder.
The annual Women in Film party's red carpet was practically typhoon territory.
An exhaustive gallery of all the fancy-pantsed (and gowned) stars of the big night.
Duck and cover, Hollywood!
He has a Silver Hugging Playbook.
Posing is awkward. But for Rooney Mara, it looks really awkward.
More casual than an Oscar red carpet, but more buttoned-up than a sideboob convention.
Who could have guessed that Rachel Weisz and Jennifer Lopez would fall into the same category?
Be proud or beware, gowns and tuxes! The Fugs are on it.
From Christina to Ke$ha to Nicki to Biebs and everyone in between.
Check out the hits and misses in tonight's slideshow, which we'll be updating throughout the evening.
Shailene Woodley's near wardrobe malfunction, Emma Stone looking predictably adorable, and a blonde Leighton Meester.
Miley Cyrus's plunging neckline, Carrie Underwood's Cinderella gown, and Katy Perry's purple hair (and dress!).
Watch out for the deadly side-eye from the Dark Shadows star.
You're getting served by an elementary-school girl, Hollywood. How does it feel? Like burning?
Two words: What happened?
The best rebound, the worst homage, and more red-carpet hits and misses.
Duck and cover, Hollywood!
A Catholic bishop, see-through red lace, and floor-length sequined gowns all in one place. It must be the Grammys.
See how the Iron Lady has had her way with Sandra Bullock, Pierce Brosnan, and more.


text:
Wednesday, June 29, 2011
DISNEYLAND w my youtubes finest..
12 comments:
what a cute post, you ladies and gents look like you had a blast!ReplyDelete
You are my role model!ReplyDelete
you're all so beautiful <3ReplyDelete
That's so cool you all went to Dland!!! I love it there! I'm glad you guys had a great time!!ReplyDelete
aww judy and benjis pic is super cute!!ReplyDelete
Looks like u have lots of fun together, very cool. In that last picture who's the little blond girl in the background posing? lolReplyDelete
LOLOL i look very intoxicated in a few of thoseReplyDelete
I love your shirt!ReplyDelete
ya'll looked like ya'll had a blast..and lol at the little girl posing in the bg of the group pic...ReplyDelete
In your last picture I like the random girl posing in the background!!!ReplyDelete
I would imagine you'd have a tan-line, on the forehead. But I don't care, your boho hair style look great.ReplyDelete
these pictures are too cute! just got my hand on blogging too.. super fun! xReplyDelete


text:
Another Award for the Wave Rider 16
Wave Rider 16 has racked up another award this spring – selected by FitnessMagazine.com as a top road running shoe that provides a "surprisingly well-cushioned ride." Spring styles. in Men's and Women's. are available today with cool color schemes tto add some flair to your running style. The shoe is available at most sporting retailers and online at mizunorunning.com.


text:
Get an email alert if this goes back in stock.
Amazing black body-con skirt featuring ruched panels and a twisted knot detail. Stretch panel at waist, unlined.
*Rayon/Spandex Blend
*14"/35.5cm length
*Model is wearing size small
*Measurements taken from size small
*Made in USA
Please use these size charts to help determine your size. Because sizing and cut will vary between brands, please use the charts as a general guide to compare the various size scales. If you have a specific sizing question or would like more information, please contact Customer Care.
Sizes listed are US, unless otherwise noted.
Kate Harrison is a US size 2-4
Height: 5'10"
Bust: 32" / Waist: 24" / Hips: 35"
Astrological sign: Pisces
Couldn't live without... Lip Balm!
Tell us a secret: I don't have any secrets!
If you're not utterly obsessed with your recent purchase, it's now so easy to send it back! All US returns can be completed online using our fast, hassle-free system. Check out the links below for more details.


text:
Document Type Master's Dissertation Author Meiring, Corne Jeanne email@example.com URN etd-06142011-105625 Document Title Just world beliefs, sense of coherence and proactive coping in parents with a child with autism Degree MEd Department Educational Psychology Supervisor
Advisor Name Title Dr S Human-Vogel Supervisor Keywords
- cross sectional correlational study
- fantasy realisation model
- parents
- chronic stress
- proactive coping
- autism
- sense of coherence
- belief in just world
- goal commitment
- future-oriented thinking
Date 2011-04-12 Availability unrestricted AbstractParents of children diagnosed with autism, a disease characterised with difficulty in speech, behaviour and language, experience chronic stress more than in any other developmental disorder. Outcomes of chronic stress in this regard are often associated with uncertain expectations of the future where current stressors are exuberated and future expectations are negated. Thinking about the future has been noted to contribute positive psychological functioning. Authors have, however, noted that some parents of autistic children are able to conceptualise positive future expectations in the mists of stressful current realities whilst using proactive coping strategies. Proactive coping literature has predominantly focused on situational characteristics and, to a lesser extent, on dispositional characteristics The relationship between dispositional characteristics - belief in just world, sense of coherence in relation to proactive coping is investigated in parents raising a child diagnosed with autism.
Constructs were operationalised through the Orientation to Life Questionnaire (Antonovsky, 1987), Global Belief in Just World Scale (Lipkus, 1991), Reactions to Daily Life Questionnaire (Greenglass, 2002) and a demographic questionnaire. A cross-sectional correlational design consisting of a sample of 30 (n = 30) parents with children with autism was conducted. SPSS ver12 was used for analysis, which included both descriptive and inferential analysis. Inferential statistics included the Independent T-Test and analysis of variance (ANOVA) to analyse independence of the sample, and Spearman Rho correlations were used to test possible correlations between constructs. The small sample size precluded more advanced statistical manipulation of data. Open ended questions were analysed through a process of content analysis.
The interpretation of results showed no significant differences between independent variables (e.g. age, gender, adjustment level of child) and constructs measured. Results of the correlational analysis indicated positive correlations between (i) belief in just world andproactive coping, (ii) sense of coherence and proactive coping as well as (iii) the sense of coherence (meaningfulness) subscale and proactive coping. No relationship was found between belief in just world and proactive coping. These results indicate that these dispositional characteristics can be associated with proactive coping and that belief in just world and sense of coherence who share similar theoretical underpinnings may have different predictor values. Qualitative results suggest that parents who engage in future oriented thinking and proactive coping strategies such as planning activities and social engagements often display higher levels of just world beliefs.The present study contributes to theoretical knowledge by providing insight into the relationships between constructs with regards to proactive coping in parents who experince chronic stress, by illustrating convergence and distinctiveness between constructs. Furthermore, knowledge was gained on the influence of dispositional characteristics on proactive coping strategies, seeing as how previous research primarily focused on situational characteristics. Practical applications of the results offer insight into coping processes of parents of children diagnosed with autism with specific reference to proactive coping which ultimately implicates the applicability value of future oriented therapeutic interventions for these families. Insight into the goals of parents and the daily challenges they face will furthermore assist the helping profession and support groups to provide effective support strategies.
© 2010, University of Pretoria. All rights reserved. The copyright in this work vests in the University of Pretoria. No part of this work may be reproduced or transmitted in any form or by any means, without the prior written permission of the University of Pretoria.
Please cite as follows:
Meiring, CJ 2010, Just world beliefs, sense of coherence and proactive coping in parents with a child with autism, MEd dissertation, University of Pretoria, Pretoria, viewed yymmdd < http://upetd.up.ac.za/thesis/available/etd-06142011-105625/ >
Filename Size Approximate Download Time (Hours:Minutes:Seconds)
28.8 Modem 56K Modem ISDN (64 Kb) ISDN (128 Kb) Higher-speed Access dissertation.pdf 4.83 Mb 00:22:21 00:11:29 00:10:03 00:05:01 00:00:25


text:
Hey, I just joined this community. My names Danielle. My neopets account is evilpinkturtles. Here is the link to me pets (soooo cute!) webpages...Manasyn (first pet): http://petpages.neopets.com/~manasynBlueMoonTillNoon (second pet): http://petpages.neopets.com/~bluemoontillnoonArrienas (3rd pet): http://petpages.neopets.com/~arrienasYou can check them out if you're bored or whatever. Thx.-Danielle
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text:
Attic Space Self-Storage: Notice of Public Sale
By 06/17/2010 10:46:00
Published in The Ellis County Press two times on Thursday, June 10 & 17, 2010
Notice of Public Sale
Under Chapter 59 of the Texas Property Code, Attic Space Self-Storage, located at 108 N. FM 157, Venus, Texas 76084, will be conducting a public auction on Friday June 25, 2010 at 10:00 am. Units to be sold are as follows: V11 (Michael Ochoa), V12 (Cassa-ndra Smith), V72 (Kenneth Coleman), and V73 (M.K. Ezell). Items include household items, miscellaneous. Sale may be cancelled at any time without notice. 866-882-8842.


text:
Originally published May 24, 2007 at 12:00 AM | Page modified May 24, 2007 at 2:02 AM
Cops lied, hindered probe, says watchdog
Two Seattle police officers lied after the arrest of an alleged drug dealer, the civilian auditor of the police department's internal-affairs...
Seattle Times staff reporter
Two Seattle police officers lied after the arrest of an alleged drug dealer, the civilian auditor of the police department's internal-affairs unit has concluded, and she believes one of them pocketed marijuana taken off a suspect.
"It was more than just sloppy," said Kate Pflaumer, the former U.S. attorney in Seattle, on Tuesday. She is the first official involved in the investigation to openly challenge Police Chief Gil Kerlikowske's decision to clear officers Greg Neubert and Michael Tietjen of serious ethics and honesty charges.
Responding to Pflaumer's comments, Kerlikowske said Wednesday that he and the auditor had agreed on the key findings: the officers didn't use excessive force and didn't plant drugs.
Pflaumer said she thought they should be "tagged for lying and failing to cooperate with the investigation."
As the former chief federal prosecutor in Western Washington, she has opinions that carry particular weight.
But the chief characterized the officers as having a recall problem when they were interviewed as part of the investigation.
"No, I don't believe they lied," he said.
The investigation into the officers started because an alleged drug dealer complained that the officers had used excessive force and planted drugs on him. He pointed detectives to a drugstore surveillance tape to prove his case. The tape contradicted the officers' reports in several areas.
Pflaumer said she voiced her opinion to Kerlikowske last month in a "spirited" and "frank" e-mail exchange. Within days of that exchange, the chief called a news conference and announced that an extensive internal investigation had turned up no evidence of wrongdoing by the officers after the January arrest.
Questions into the officers' credibility have been building ever since: A forensic expert has challenged the officers' version of the incident, a superior court judge has agreed with the expert's conclusions and the FBI has opened a preliminary civil-rights review of the case.
The officers have previously refrained from commenting. Rich O'Neill, president of the Seattle Police Officers Guild, has said that the issue has been "blown out of proportion."
Pflaumer's job as civilian auditor is to review all Office of Professional Accountability investigations "for completion, thoroughness and findings." She often works in "real time" with internal affairs detectives to ensure all avenues of an investigation are pursued.
In the Neubert and Tietjen probe, Pflaumer sent investigators to try to find another witness and reviewed the entire case.
The surveillance tape also revealed a series of other issues that called into question the officers' credibility and their version of events.
According to the officers' reports, filed an hour after the arrest, they first spotted 26-year-old George "Troy" Patterson through a telescope from the ninth floor of a parking garage. They said they watched as Patterson, who uses a wheelchair, sold crack cocaine on the corner of Third and Pike.
When they arrived at the corner on their bicycles, they said, Patterson rolled by. The officers said they observed crumbs of cocaine on his lap and arrested him. But the officers didn't include other details that the videotape captured.
For example, the videotape showed that the officers had detained and handcuffed another man at the scene, but then let him go. Department policy requires that they clear the suspect's release with a sergeant and note it in their reports. They did neither.
Kerlikowske disciplined the officers for failing to report the detention.
The video also shows that the officers tried to get Patterson to spit something out of his mouth and that Tietjen used a "wristy-twisty" pain-compliance hold on Patterson for several minutes. There is no reference to either of those details in their reports.
The man who was detained and released -- a New York native who had never met Neubert or Tietjen -- told internal affairs detectives that when he was frisked, Tietjen found a "dime bag" of marijuana in his pocket. He said the officer put it in his pocket and never gave it back. No marijuana was booked into police evidence. Tietjen denied in an interview with detectives that he had confiscated any marijuana.
But Pflaumer concluded that the suspect's story was credible. "Why would he lie about having drugs?" she said.
She found it significant that both officers "deep-sixed the whole event" about the unreported detention and the marijuana. "I think the exclusions were purposeful," she said.
Pflaumer joins a growing list of officials who have questioned the arrest after viewing the 22-minute incident on the tape. A King County Superior Court judge ruled that the tape and the officers' reports "don't square"; a forensic video analyst hired by The Defender Association pointed out dozens of discrepancies. Meantime, the King County Prosecuting Attorney's Office dismissed charges against Patterson after viewing the tape, and has sent letters to defense attorneys in at least 17 other cases alerting them to the investigation into the officers' credibility.
"Nobody disagrees that they should have written a better report," Kerlikowske said Wednesday. At the same time, he said, the apparent inaccuracies and omissions don't surprise him, given the large number of drug arrests in which the officers are involved.
The Office of Professional Accountability makes recommendations in disciplinary cases, and its auditor reviews those findings. Kerlikowske can uphold, stiffen, reverse or reduce recommended discipline.
In her e-mail exchange with the chief, Pflaumer said, she told the chief that she thought the officers were lying.
Neither the chief nor Pflaumer could provide the e-mails. The police department said the e-mails have been deleted. The deletions are an apparent violation of city policy and state document-retention laws.
Mike Carter: 206-464-3706 or firstname.lastname@example.com
Exxon Mobil wins ruling in Alaska oil spill case
Longview man says he was tortured with hot knife
Longview man says he was tortured with hot knife
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text:
Company Overview of Kuhn, Loeb & Company
BOARD MEMBERS AFFILIATED WITH David Schiff *
Chief Executive Officer and Partner
MOST CONNECTED PEOPLE TO David Schiff
|Philip L. Milstein
|408 Relationships
|Felix G. Rohatyn
|375 Relationships
|Michael H. Steinhardt
|315 Relationships
|Jack D. Hidary
|292 Relationships
|Ronald G. Weiner
|277 Relationships
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