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Scholarships >> Browse Articles >> Essays
Scholarship Essays and How to Handle Them
Don't let a tough scholarship essay deter you from applying.
By Roxana Hadad
March 04, 2009
The essay: It's the most important part of your scholarship application, and it can be the hardest. But the essay shouldn't keep you from applying. Take a look at some commonly asked essay questions and use them to prepare for your scholarship applications. Brainstorm ideas, do some research or create your own "stock" of scholarship essays. When the time comes, you'll be ready to write your way to scholarship success!
Your Field of Specialization and Academic Plans
Some scholarship applications will ask you to write about your major or field of study. These questions are used to determine how well you know your area of specialization and why you're interested in it.
- How will your study of _______ contribute to your immediate or long range career plans?
- Why do you want to be a _______?
- Explain the importance of (your major) in today's society.
- What do you think the industry of _______ will be like in the next 10 years?
- What are the most important issues your field is facing today?
Current Events and Social Issues
To test your skills at problem-solving and check how up to date you are on current issues, many scholarship applications include questions about problems and issues facing society.
- What do you consider to be the single most important societal problem? Why?
- If you had the authority to change your school in a positive way, what specific changes would you make?
- Pick a controversial problem on college campuses and suggest a solution.
- What do you see as the greatest threat to the environment today?
Getting your thoughts down on paper can help.
Personal Achievements
Scholarships exist to reward and encourage achievement. So you shouldn't be surprised to find essay topics that ask you to brag a little.
- Describe how you have demonstrated leadership ability both in and out of school.
- Discuss a special attribute or accomplishment that sets you apart.
- Describe your most meaningful achievements and how they relate to your field of study and your future goals.
- Why are you a good candidate to receive this award?
Background and Influences
Who you are is closely tied to where you've been and who you've known. To learn more about you, some scholarship committees will ask you to write about your background and major influences.
- Pick an experience from your own life and explain how it has influenced your development.
- Who in your life has been your biggest influence and why?
- How has your family background affected the way you see the world?
- How has your education contributed to who you are today?
Future Plans and Goals
Scholarship sponsors look for applicants with vision and motivation, so they might ask about your goals and aspirations.
- Briefly describe your long- and short-term goals.
- Where do you see yourself 10 years from now?
- Why do you want to get a college education?
Detailing your financial needs can help.
Financial Need
Many scholarship providers have a charitable goal: They want to provide money for students who are going to have trouble paying for college. In addition to asking for information about your financial situation, these committees may want a more detailed and personal account of your financial need.
- From a financial standpoint, what impact would this scholarship have on your education?
- State any special personal or family circumstances affecting your need for financial assistance.
- How have you been financing your college education?
Random Topics
Some essay questions don't seem directly related to your education, but committees use them to test your creativity and get a more well-rounded sense of your personality.
- Choose a person or persons you admire and explain why.
- Choose a book or books and that have affected you deeply and explain why.
While you can't predict every essay question, knowing some of the most common ones can give you a leg up on applications. Start brainstorming now, and you may find yourself a winner!
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What's New
Fix bug: picture doesn't matchFix bug: iOS 6 issue
App Description
¤Æŗ Simply Find It special edition¤īł New levels and pictures added every update
¤öŹ 5 game modes
¤ÄĄ 5 background musics
Spot the differences between two similar pictures. Simply touch the spots with difference. This game comes with many beautiful pictures and five different modes. You can play by yourself or challenge your friends.
Enjoy our puzzle. Simply game, simply fun.
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October 25, 2012 New version 1.7
April 01, 2012 Initial Release

subset: commoncrawl


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Why NII Holdings (NIHD) Is Falling Today
NEW YORK (TheStreet) -- NII Holdings (NIHD) was falling 1.8% to $1.09 Thursday following a downgrade from Wells Fargo (WFC).
The firm downgraded the telecom to "market perform" from "outperform," lowering its price target range to between 75 cents and $1.10 from between $1.75 and $2.50. Wells Fargo downgraded NII Holdings amid growing liquidity and financial fears at the company.
The operator of the Nextel brand recently said it is considering options to meet financial obligations and fund the business in 2015 and after.
Must read: Warren Buffett's 10 Favorite Stocks
STOCKS TO BUY: TheStreet Quant Ratings has identified a handful of stocks that can potentially TRIPLE in the next 12 months. Learn more. TheStreet Ratings team rates NII HOLDINGS INC as a Sell with a ratings score of D. TheStreet Ratings Team has this to say about their recommendation: "We rate NII HOLDINGS INC (NIHD) a SELL. This is driven by a number of negative factors, which we believe should have a greater impact than any strengths, and could make it more difficult for investors to achieve positive results compared to most of the stocks we cover. The company's weaknesses can be seen in multiple areas, such as its feeble growth in its earnings per share, deteriorating net income, disappointing return on equity, weak operating cash flow and generally high debt management risk." Highlights from the analysis by TheStreet Ratings Team goes as follows:- NII HOLDINGS INC has experienced a steep decline in earnings per share in the most recent quarter in comparison to its performance from the same quarter a year ago. Earnings per share have declined over the last two years. We anticipate that this should continue in the coming year. During the past fiscal year, NII HOLDINGS INC swung to a loss, reporting -$4.15 versus $1.31 in the prior year. For the next year, the market is expecting a contraction of 49.6% in earnings (-$6.21 versus -$4.15).
- The company, on the basis of change in net income from the same quarter one year ago, has significantly underperformed when compared to that of the S&P 500 and the Wireless Telecommunication Services industry. The net income has significantly decreased by 263.9% when compared to the same quarter one year ago, falling from -$82.42 million to -$299.94 million.
- Return on equity has greatly decreased when compared to its ROE from the same quarter one year prior. This is a signal of major weakness within the corporation. Compared to other companies in the Wireless Telecommunication Services industry and the overall market, NII HOLDINGS INC's return on equity significantly trails that of both the industry average and the S&P 500.
- Net operating cash flow has significantly decreased to -$62.41 million or 156.91% when compared to the same quarter last year. In addition, when comparing to the industry average, the firm's growth rate is much lower.
- Despite any intermediate fluctuations, we have only bad news to report on this stock's performance over the last year: it has tumbled by 76.49%, worse than the S&P 500's performance. Consistent with the plunge in the stock price, the company's earnings per share are down 372.22% compared to the year-earlier quarter. Naturally, the overall market trend is bound to be a significant factor. However, in one sense, the stock's sharp decline last year is a positive for future investors, making it cheaper (in proportion to its earnings over the past year) than most other stocks in its industry. But due to other concerns, we feel the stock is still not a good buy right now.
- You can view the full analysis from the report here: NIHD Ratings Report
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photo credit: Betina LaPlante
"Then he held the knife out to me, handle first. J.C., thin, beaten, and traumatized, wanted me to do it; said I needed to. Skye reasoned, said we would all be accessories...this was murder. At first Rabbit seemed indifferent, said no gun, if you do it, do it quietly." - from Deadman's Bust |


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Although some might argue otherwise, the term shandy typically refers to a drink consisting of beer mixed with citrus-flavored soda, carbonated lemonade, ginger beer, ginger ale, or cider. The proportions normally half-and-half, but can vary depending on the ingredients.
The most popular shandy is cider blended with beer, equal parts each, also known as a Snakebite.
But considering the entire spectrum of beer and all the new flavors of ciders being produced, it would be silly to call all beer and cider blends snakebites.
This particular shandy, aptly named the Bee Sting, calls for our organic IPA and Ace Cider's honey cider.
The Bee Sting Shandy
- 8. oz Bison Organic IPA
- 8 oz. Ace Honey Cider
Technique is key here. Although both beverages are similar in color, it is possible to float the beer on the cider. First, fill a pint glass with half cider. Then take a large soup spoon and, holding it slightly inside the glass, slowly pour the beer over the back of the spoon into the glass, focusing on pouring the beer on the middle of the spoon.
Bison Organic Beer


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Formation of the Optical Society of the State of New York, Charles Prentice, President. The purpose of the society is to secure the legal recognition of optometry. This group ultimately gave birth to the AOA.
The American Association of Opticians (AAO) is founded in New York. First president: Charles Lembke; charter membership: 183 persons from 31 states and Canada. Name changed in 1910 to American Optical Association, and again in 1919 to American Optometric Association.
Membership limited to only optometrists. Prior to this the association included refracting and dispensing opticians, manufacturers, supply hours and importers of optical goods.
First educational lectures presented at national convention, Chicago.
Board of Regents established to deal with all educational matters and preparation of exams to demonstrate proficiency.
Reorganization plan proposed to provide for a representative House of Delegates and state associations affiliated with the parent organization.
Officially adopted term "optometrist" and urged its general use by opticians who refract.
(Originally proposed by John C. Eberhardt in 1882)
First Code of Ethics adopted by American Association of Opticians.
Association passes resolution recommending vision examinations for operators of motor vehicles.
Bureau of Optometric Information appointed to combat anti-optometric literature appearing throughout the country.
Chairman: William H. Kindy
Formal approval and incorporation in the state of Ohio under current name American Optometric Association.
Probably the first film on optometry, prepared through AOA Department of Publicity and Bray Pictures Corporation: "The Windows of Life".
First Board of Trustees, with four members. Only one of them became President of AOA (1925-27), Walter F. Kimball.
Save Your Vision Week first observed. AOA's original concept of this annual event began in 1924 with Eyesight Conservation Week. In 1963 the date was set as the first full week in March and proclaimed as such by the U.S. President. Over the years SYVW has been celebrated in many different ways, and since 2001 AOA's emphasis has expanded to cover the full month of March.
Auxilliary to the AOA formed, first president: Dr. Catherine Marks. Its purpose was to help promote welfare of the profession and to inform the public about vision care through work with service clubs, civic, social, and educational organizations. In 1989 it became the American Foundation for Vision Awareness (AFVA).
The Organizer, first official monthly journal is published by AOA, edited by Ernest H. Kiekenapp. Title changed in 1930 to Journal of the American Optometric Association, and in 2000 to Optometry.
First Council on Education (COE) authorized by special resolution at Boston AOA Congress. Members represented allied optometric bodies: AOA, Distinguished Service Foundation, Internation Association of Boards of Examiners in Optometry, American Academy of Optometry, and Federation of Optometry Schools.
Harold Kohn retained as legal counsel for the AOA, a position he held through 1968.
Council on Optometric Education established, the accrediting agency for optometric educational programs; first Council chair: Dr. Charles Sheard.
Code of Ethics adopted by AOA, due to the efforts of general counsel Harold Kohn. A new Code was adopted in 1944, with supplement in 1946.
William P. MacCracken, Jr. retained as the Washington DC counsel for the AOA. With an extensive background in law and fame as a pioneer aviator, his influence upon optometry's recognition by the federal government was profound.
Professional Advancement Program (PAP) launched. At a specially called meeting in Detroit, the AOA Board of Trustees, presidents of the state optometric associations, heads of the schools and colleges of optometry, representatives of various optometric and optical organizations, the optical industry and optometric press gathered to discuss matters of urgent concern. Topics included the shortage of students, need for government recognition, improved ethical standards, more representative membership, and the profession's role. Marking a rebirth for optometry, the PAP promised steady professional advancement if every member of the AOA actively worked for its success.
Baltimore Myopia Control Project administered by AOA's Public Health Bureau. From September-December 103 myopes age 9-32 received optometric vision training (VT) three times a week. The study project's purpose was to see whether VT had any positive effect on the distance vision of nearsighted individuals.
Rules of Practice are adopted, causing internal dissention among members of the AOA. The rules are revised in 1968.
"Doctor of Optometry" recognized as the proper and desirable professional degree.
First Administrative Director hired, J. Harold Bailey. Serving from 1952-1977, his title changed in 1970 to Executive Director.
First AOA administrative "headquarters" office established in Anna, Illinois. The tiny office was built at the rear of AOA President James Wahl's optometric office by Mr. Bailey and Dr. Wahl.
AOA headquarters office moved to St. Louis, Missouri, where the Association rented space at 4030 Chouteau Avenue.
First children's program at annual AOA Congress, Seattle WA. Although delegates had been bringing their families for many years, this was the start of planned activities for young attendees.
Optometry's Premise adopted. It notes that the "treatment of pathological conditions" is "in the field of medicine." Removed as an active policy pronouncement in 1980.
First Apollo Award presented. AOA's highest honor, named after the Greek god of light, was awarded to Station WOI-TV, George D. Spache, and Arthur M. Skeffington. Prior to 1961 the awards were known as "Distinguished Service Awards".
AOA News begins publication. Since it was a "newspaper" rather than a journal, it was a bit controversial at first, but it soon became an effective means of communication for the Association.
Washington DC office established by AOA "to provide active, continuous, and forceful liaison with health agencies and branches of the governmentand any civilian groups engaged or interested in matters of health and welfare".
David Sharman appointed first Director of AOA's Washington office. Before moving to the new Washington Bureau at 1025 Connecticut Ave., Sharman worked in the St. Louis office as assistant to J. Harold Bailey, the Administrative Director of AOA.
AOA became an agency member of the American Public Health Association. In 1979 the Vision Care Section (VCS) of the APHA was established.
An official AOA logo was unveiled and promoted for use by the Association, member optometrists, and affiliated state associations. The stylish red and black design was based on that of the Australian Optometric Association, and was adopted with their approval.
AOA purchased an office building and the association headquarters was moved to 7000 Chippewa Street, St. Louis, Missouri.
AOA files complaint with U.S. Dept. of Justice alleging restraint of trade and conspiracy on the part of the American Medical Association, physicians, and several medical organizations. (A separate antitrust case [Bass v. AMA] had been filed.) In 1966 AMA rescinded its anti-optometry resolution of 1955
French Lick Conference on Optometric Practice. At this meeting a cross-section of optometrists considered three issues of national significance and analyzed the advantages and disadvantages of optometry's position in light of public welfare and vision care. The topics of discussion were: the use of optometric assistants, lay screening, and the use of drugs in optometric practice.
Council on Clinical Optometric Care is formed, A. Norman Haffner, first chairman. First projects included the preparation of a manual of standards for clinical care and the development of accrreditation procedures.
Airlie House Conference, Warrenton VA. This AOA-sponsored meeting of representatives from all segments of optometry met to discuss and make recommendation on topics of vital importance to optometry: interprofessional relations, optometric education, optometric practice, legislation and legal affairs, manpower, and research.
AOA's 75th anniversary. To commemorate the event, Dr. James R. Gregg writes a definitive history of the American Optometric Association.
Williamsburg Conference on Continuing Education recommends that a commission on continuing optometric education be formed to review, coordinate and improve the quality, composition, and methods of delivery of continuing education.
First paraoptometric program offered at AOA Annual Congress in Washington DC.
AOA Political Action Committee (AOA-PAC) established as a means to support political candidates who would best represent optometry's interests in Congress.
Supplement to the Code of Ethics the Rules of Practice is replaced by the Standards of Conduct. The Standards are retired in 2002.
AOA Headquarters is moved to current location, 243 N. Lindbergh Blvd., St. Louis, Missouri.
Current AOA logo adopted, designed by S. Fredrick Anderson Studios of Chicago and developed by the Clinton Frank Agency. The updated logo was said to represent the AOA member as "a modern, professional, qualified and experienced health care practitioner".
Paraoptometric Section established, Carol Schartner first chair.
Sports Vision Section established with 34 charter members.
Contact Lens Section established; first Administrative Director 1983: Dr. Arthur Giroux. Name changed to Contact Lens and Cornea Section in 2000.
Low Vision Section established, with 334 charter members. Name changed to Low Vision Rehabilitation Section in 2002, and to Vision Rehabilitation Section in 2009.
Optometric Oath standardized and adopted by the American Optometric Association (AOA) and the Association of Schools and Colleges of Optometry (ASCO) as a means of encouraging professional ethical behavior. Over the years numerous optometric organizations and schools had developed and used an optometric oath; one of the first was written by Frederick A. Woll in the 1920s.
Optometric Economics published by AOA (1991-97), a new monthly journal devoted to successful practice management. Focusing on topics such as marketing, communications, and business management, the practical new journal was published by optometrists for optometrists to give them the tools to be successful in private professional practice. Editor: Jack Runninger.
Vision USA established as a nationwide program to provide basic eye health and vision care free to uninsured and low-income people through services donated by AOA doctors of optometry.
Publication of first AOA Optometric Clinical Practice Guidelines, providing O.D.s evidence-based recommendations for patient care. These first 7 booklets of the series were sent to all AOA members and to optometric educators, funded by a grant from Vision Service Plan (VSP). The guidelines were developed by consensus panels of leading experts in various areas of expertise.
Accreditation Council on Optometric Education (ACOE) -- a name change from former Council on Optometric Education, to clearly note its role as the accrediting body for professional optometric degree programs, residency programs and optometric technician programs in the U.S. and Canada.
AOA launches the Healthy Eyes, Healthy People program to work with the US Department of Health on the US Healthy People objectives under eye care. A memorandum of understanding with the US Department of Health was formally adopted and continues to this day.
InfantSEE® program established to provide vision assessments for children in the first year of life. Approved by AOA in 2003, the program developed and was officially launched in 2005 with former U.S. President Jimmy Carter as spokesman.
Optometry's Fund for Disaster Relief created in the wake of the destruction caused by Hurricane Katrina. Its mission is to provide immediate financial assistance to optometrists in need whose lives and practices are disrupted by a natural disaster.
AOA foundation established as a charitable arm of the Association. Renamed Optometry Cares - The AOA Foundation in 2010, its mission is to expand eye health and vision care access to everyone in the U.S. in order to enhance human performance and quality of life.
AOA establishes the National Commission on Vision and Health (NCVH), a non-partisan group of public health leaders (O.D.s and non-O.D.s) whose mission is to improve the nation's visual health. A true optometric "think tank" for public health policy, its members evaluate and weigh in on policy debates regarding health care, specifically vision, providing authoritative information and advice to decision-makers, health professionals, and the public at large.
AOA assumes administration of the National Optometry Hall of Fame, originally established by the Ohio Optometric Association in 1998 to recognize colleagues whose lifetime of significant achievments in optometry advanced the profession. The NOHF is currently managed by Optometry Cares - the AOA Foundation.
AOA votes in favor of establishing the American Board of Optometry (ABO) as the entity to develop and implement the framework for optometric board certification and maintenance of certification for optometry. AOA enters into a joint memorandum of understanding by the American Academy of Optometry (AAO), the American Optometic Student Association (AOSA), the Association of Schools and Colleges of Optometry (ASCO), and the American Optometric Association (AOA) regarding formation and organization.
National health care legislation enacted, including AOA-supported first federal provider non-discrimination standard to target exclusional ERISA plans, designating children's vision as an essential benefit and preserving state patient access to care laws.
2011 – First female president of AOA elected, Dori M. Carlson, O.D. A graduate of Pacific University College of Optometry, and elected to the AOA Board of Trustees in 2004, Dr. Carlson was also the first female president of the North Dakota Optometric Association.
AOA adopts the Standards of Professional Conduct. While the Code of Ethics of the AOA (2007) sets forth the basic tenets of ethical behavior for optometrists, the Standards of Professional Conduct amplifies the Code of Ethics and describes appropriate ethical and professional behaviors in greater detail. The two documents evidence a continuing commitment to professional and ethical behavior for all optometrists.


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Himesh Reshammiya is all set to make his comeback with a big bang. After giving music to some of the biggest films of the year like "Bol Bachchan", "Son Of Sardar" & "Khiladi 786", Himesh is all set to work in Rohit Shetty's next "Chennai Express" featuring Shah Rukh Khan.
Apparently, it was Ajay Devgn who introduced Himesh to Rohit after he composed the music for his upcoming "Son Of Sardar". Ajay suggested Rohit to hear a couple of tracks Himesh had come up with. Rohit liked it & has reportedly, signed him for his next.
It will be interesting to see how the trio of Himesh, Rohit & Shah Rukh fare at the Box Office.


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This is an archived story; this page is not actively maintained. Some or all of the links within or related to this story may no longer work.
For the latest University of Minnesota news, visit Discover.
Vision-Ease Lens will use a software developed by University of Minnesota researchers to design better lenses for no-line bifocal eyeglass.
In search of better bifocals
If you're having trouble reading the fine print, you have more options than just those glasses with the lined lenses that your parents wore. A software program designed at the University of Minnesota, in partnership with Vision-Ease Lens, stands to markedly improve vision for you and the estimated 78 million Americans who wear bifocal glasses. Patented by Benjamin Franklin in 1784, bifocal lens technology saw relatively few advances over the next 175 years. The bifocal lens with its two parts--the top half for viewing at distance and the bottom half for reading--was the norm until progressive lenses hit the market. The invention of the progressive lens, sometimes referred to as no-line bifocals, in 1959 eliminated the distracting line between the short- and long-distance portions of the lens, offering bifocal wearers a smooth transition between vision zones--and a way for some to hide the fact that they were over 40 and needed reading glasses. The cause is presbyopia, an age-related condition that stems from a gradual loss of flexibility in the natural lens. It varies from astigmatism, nearsightedness, and farsightedness, which are related to the shape of the eyeball and caused by genetic factors, disease, or trauma. While annual sales of no-line bifocals have grown to an estimated $1.5 billion, the technology to design progressive lenses has not been widely explored. "When Vision-Ease first contacted us early in 2000 with some questions about lens surface modeling, we were surprised to find very few published research papers on the topic," said Fadil Santosa, a mathematics professor with the U's Institute of Mathematics and its Applications. "There were many patent filings on lens design, but very little is revealed in them. The field was literally wide open." Santosa, along with fellow mathematics professor Robert Gulliver and graduate student Jing Wang, began looking into the mathematics of progressive lens design. Their research lead to a software program called Ophtima, which would reduce the computation time for accurate power distribution.
How did we get
Benjamin Franklin had poor vision and needed glasses to read. He
got tired of constantly taking them off and putting them back on,
so he figured out a way to make his glasses see both near and far.
He cut the lenses from two pairs of spectacles in half, and then
put the different halves together in a single frame.
Source: The Franklin Institute


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I called my local ford specialist the cost of a cambelt/tension/water pump
is £422 inc vat and labour sounded a bit high to me. They did say its a 2
hours job.
Second garage indy £270 all in for the cambelt only not the water pump, I
just out of habit get the water pump done.
I'm just wondering whats a reasonable price for this job ?
Although I may source the parts from euro car parts or gsf and then just pay
the labour for the job although the second garage said they won't fit
customer parts, I asked why "we just don't"
04 ford focus petrol 1.8
To add my focus only has 48k but I don't have a world of history on it and it does have a tow bar so may have worked a bit harder than most and I plan on keeping the car to the bitter end
The above prices are for genuine parts, but I was planning on getting the continental calbelt kit at eurocarparts


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- You and I
- Tonight
- We go harder Feat. Soyah
- No more-J-Vee Ft Taj Feat. Taj
- 01First Song
- 02Track Number Two
- 03Third Song
- 04Composition #Four
- 055th
- 06Song
Gil J Vitalis is a born Saint Lucian, the only son out of four children. At a very young age he moved to the United States with his family. There he attended elementary, middle and high school. During his years growing up he grew a friendship with Marquis Garvin of 89 and they started making beats and music with an added member Adam" Mellowboy" Mitchell-(Bossclickbeats), which today is known as Trackslammerz. Gil has had the opportunity to perform on stages all over the Orlando area in FL, Atlanta and North Carolina. In life he has faced major challenges and now has a mission to fix all of that and give other people hope in life with his music.


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How to play Club Penguin on your Android Tablet
Everyone have different gadgets like Samsung Galaxy Tab, Galaxy Note 10.1 or the latest high devices which based on Android Operation System. The common problem to play Club Penguin on Android is your browser not support latest flash player update. As we know that the current issue is Adobe site is no longer provide update of Flash Player 11.1 plugin based on any Android 4.0 devices.
But, We have the best solution if cannot play Club Penguin on your android tablet and guarantee 100% will works fine.
You can use any browsers such as Opera Mobile, Firefox Mobile or the default browser. I prefer use the latest Opera Mobile that can be downloaded at Google Play Store (Android Market) because it more stable, faster and rare crash.
Next step, download and install the Adobe Flash Player 11.1 Android app
Latest version: Adobe Flash Player 11 220.127.116.11
If all steps done, open your Opera browser then login to your Club Penguin account. If flash plugin not yet work, just tap the login screen then it should work well.
Congratulation!! now you Play Club Penguin on your Android devices.


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QCan a policy holder have both paper and electronic policies?
Policy holders can choose the form in which they want their policies issued � paper or electronic. A policy can be bought or maintained in one form only � either in electronic form or paper but not in both. However, a policy holder can choose to keep some policies in electronic form and others in paper form � only the electronic policies will be reflected in his e IA account and he can use repository services only for the e policies (and not the paper policies)
QCan anyone become or set up an Insurance Repository?
No, only entities approved by Insurance Regulatory and Development Authority (IRDA) can become an Insurance Repository.
Insurance Companies cannot set up an Insurance Repository on their own nor can they hold more than 10% stake in any Insurance Repository.
QCan I take health insurance plan for my parents who are senior citizen? Is there any tax benefit available if I pay premium for them?
Yes, you can take health insurance plan for your parents who are senior citizen. Now a day�s so many insurance company has designed product especially for senior citizens. You are also eligible to claim tax deduction u/s 80D upto Rs 20000/- P.A. if you pay premium for them.
QCan policy holders have multiple e Insurance Accounts if they have multiple Insurance policies issued by various Insurance Companies?
No. IRDA stipulates that an individual can have only ONE e Insurance Account across Repositories, irrespective of the number of policies owned by a policy holder � thus, if a person has an e IA with say Repository A, with any other Insurance Repository. All Repositories will have systems in place to check this before opening an e IA � any application for a second or multiple e IA will be rejected by the Insurance Repository. All the electronic policies owned by a policy holder can be credited or held under this single e IA.
/n Source: CAMS
QCan the eIA be operated by the Policy holder only?
Yes, the e IA can be operated by the account holder only during his life time, unless, of course, he has been unfortunately rendered incapable to operate it (incapacity due to mentally unsound means or terminally ill as certified by a medical practitioner). In such circumstances, the e IA may be operated by the Authorized Representative (AR) appointed by the account holder (pl see below for details).
The account holder is strongly advised to keep the log In ID and password for online access of his e IA confidential and not share it with anyone else.
QFor how long should I insure?
You should take insurance cover as long as you are the crucial earning member of your family.
QHow can Insurance Repository provide free service to policy holders? Where is the catch?
The Insurance Repositories will be paid directly by the Insurance Companies whose policies are held in electronic form in the respective Insurance Repository so that no charges are levied on policy holders. Insurance Companies will be able to pay these fees out of the savings that will accrue to them by the migration to issuance and maintenance of policies in electronic form.
QHow do I collect the maturity amount from the insurance company?
Insurance companies send information in advance to the policyholder regarding the maturity of the policy. The policyholder will be required to fill-up the forms along with the documents attached as per requirement. If the paper work is done properly and verified then the payment is either sent by post or directly credited in your bank account.
QHow do I convert my existing paper policy into electronic form?
On opening an e IA, you just need to write out a request, addressed to the Insurer, for converting your existing paper policy to electronic mode. Request Forms for policy conversion are available in all offices of the respective Insurance Repositories. They can also be downloaded from respective websites. You need to fill out a separate request for each paper policy that you wish to convert to electronic form. These requests, duly signed, can be submitted at the respective Insurance Company or at any Insurance Repository office.
If you do not have an e IA, you can submit an e IA opening form with the necessary supporting documents along with the request for converting paper policy to electronic mode.
QHow do I open an e Insurance Account (eIA)?
To open an e IA, you need the fill out an account opening application form of the Insurance Repository along with the necessary supporting documents. Application Forms would be available in all offices of the Insurance Repository, once they are operational. They can also be downloaded from the respective website or you can fill out an application online at the website). You can also contact your Insurance Advisor (Agent) for an application form. You can submit the signed e IA application form at any Insurance Repository office. If you are applying to open an e IA at the time of buying a new Insurance Policy, it may be best to hand over the e IA form, along with the insurance proposal form, to the Insurance Company.
To open an e IA, you need to necessarily have either a PAN or Aadhar number. When submitting your e IA application, please ensure that you provide copies of your PAN or Aadhar, Address Proof and proof of date of birth, along with a passport size photograph. You also need to show the original of address proof for verification (the list of acceptable address proof documents is given elsewhere).
QHow do I reduce the cost of buying life insurance?
The cost of a policy could be lowered if one starts buying insurance at an early age (while the risk is lower). A longer duration policy along with large sum assured would also reduce the cost. Also you will avail discounts if you offer to pay premium annually. Select a low cost policy such as a Term product. Do not buy riders or additional benefits that may not be of additional benefit to you.
QHow do I understand a life insurance Policy?
It is necessary to know the following terms in order to understand a life insurance policy:
Premium - the amount of money you have to pay to continue your insurance coverage.
The premium amount depends upon
� Your age
� Policy selected
� Mode of premium payment
� Term of premium payment
� Term of the policy
You could choose to pay premium monthly (as a deduction from your salary), quarterly, half yearly or annually. However, there are Single premium policies where you pay premium once only (hence you do not have the facility to make the effort of paying premium regularly).
Term - the number of years you choose to insure yourself.
The longer the term the lower the premium. Policy terms vary from a single year to a maximum of 55 years. Not all policies offer you a range of terms.
Premium paying term - the number of years you pay premium on your policy.
The longer the premium paying term, the lower the premium. Usually the premium paying term is the same as the policy term. However, some policies offer you the option of selecting a premium paying term that is lower than the policy term.
Sum Assured / Face amount - the amount of insurance cover you have or the minimum amount your family receives in the event of your demise.
Your family could get more than this amount based on the type of policy or riders that you select.
Bonus / Participating profit - is declared by the insurance company each year as a proportion of the sum assured. This amount could vary; it could be different for different policies and terms.
Although declared each year, the bonus is a lump sum payment made to the insured person upon maturity or to his family upon death, in addition to the sum assured.
Bonus is based on an insurance company�s assumptions about the future performance. Like any other assumption, actual results will be more or less favourable. The longer the time being projected, the greater the likelihood of variance from the predicted values. Not all companies guarantee the amount of bonus on each policy.
Guaranteed Addition - is a declaration made by the insurance company; it states that irrespective of the financial results of the company, the company will pay the guaranteed amount of money, to the insured or his nominee.
Like the bonus amount, this is a lump sum payment made to the insured upon maturity or to his family upon death, in addition to the sum assured.
Survival Benefit - is the amount of money received at pre-fixed, regular intervals by the insured person, upon survival of the term of the policy.
Often, money received upon maturity or at the end of the term of the policy is also referred to as Survival benefit.
Maturity Benefit - is the amount of money received by the insured, upon survival of the term of the policy.
In case of policies that offer a bonus, the sum assured plus the bonus for the term of the policy is paid to the insured upon maturity. In addition, some policies offer a loyalty addition, which is paid as a proportion of the sum assured and is based on the term of the policy.
In case of policies that offer no bonus, upon maturity, the sum assured or a refund of the premium or no money is receivable by the insured (depending on the type of policy selected).
Cover or Death Benefit - is the amount of money the nominee receives from the insurance company upon the insured�s death. In addition to the sum assured, this would include the bonus, if any.
If additional riders such as Accident Death Benefit or Additional Sum Assured have been selected, the amount of money receivable by the nominee could be higher.
Returns or Pre-tax yields - Interest earned on the premium, on a compounded basis, is the pre-tax yield.
Post-tax yields - If the premium paid for a life insurance policy is used as a tax deduction under section 80C, then the effective premium paid by the insured is lower. Interest earned on the effective premium, on a compounded basis, is known as the post-tax yield.
Source: SBI Life Insurance
QHow long will it take for the Insurance Repository to open AN e Insurance Account?
The Insurance Repository will open an e Insurance Account within 7 business days from the date of receiving the eIA application form. On opening the e IA, the Insurance Repository will inform the applicant the particulars of the e Insurance Account and usage instructions through email and by post.
QHow much does life insurance cost?
The cost of buying an insurance policy depends on the following factors:
The insured person�s age, health and his nature of work
Type of policy selected
Sum assured
Policy terms
Term for paying premium and payment frequency
Riders (if any) attached to the policy
QHow much health insurance I should opt?
Looking to the present medical cost we should take min sum assured of 3 lacks. We should also keep in mind that once we will be suffered from and disease then sum assured will not increase so, we should consider higher sum assured to cover inflationary medical cost for future.
QHow much sum assured I should take?
There are two methods of deciding the sum assured which is human life value and need based analysis. One should use need based analysis method for deciding sum assured. In need based analysis method we should add survivors living expenses, future value of outstanding life goals, outstanding debt, cost of dying (funeral, estate lawyer's fees, etc.) and subtracts saleable investments, and insurance already available. The difference is the sum assured required.
QHow pension plan works?
Pension plans are also known as retirement plans for your future financial stability during your old age. With ever increasing cost of living it has become important that you make arrangements for your retired life. When you continually invest in this plan it grows with the compounding effect.
QI am healthy. Why should I take health insurance?
Insurance cover is always available for uncertain event; once we suffer from any disease it is difficult to take coverage for such disease. Life is full of uncertainties we do not know when we will be suffer from diseases and accident so, it is better to take health insurance when we are healthy. When we are healthy we have number of choices available and we can choose the best and affordable plan for us.
QI do not believe in taking health insurance instead of that I prefer in creating my own fund.
It is good to create a fund but once we suffer from diseases then our fund will last. Whereas in health insurance if we availed total sum assured in one policy year then again in next policy year same sum assured is available to us even if we suffer from major diseases. If we see the yearly premium of health insurance it is ranging from 1% to 3% of sum assured which is negligible. We also get the tax benefit on premium paid for health insurance.
QI have not paid premium for some time. Can I revive my policy?
For a regular premium paying policy, premium has to be paid within 30 days of the due date (15 days if the mode selected is monthly). The insurance company provides a grace period during which you can pay the premium and keep the policy in force. If the premium has not been paid within the grace period, the policy is considered lapsed.
Insurance companies offer various schemes that facilitate the process of reviving lapsed policies. A few are mentioned below -
� Paying all the arrears of premium and the interest for the same period can revive the policy. In certain cases, the company may offer installment revival schemes, where you pay a part of the arrear along with the regular premium, and the balance of the revival amount is paid in instalments spread over a year of two years.
� Under another scheme, a money-back policy can be revived by using the survival benefit under the policy (the money receivable from the insurance company at regular intervals) to pay premium plus interest. (If the survival benefit amount is lower than the revival value, you have to pay the shortfall. If it is higher, you receive the excess amount.)
Source: SBI Life Insurance
QI have not paid premium for some time. I want to discontinue my policy. Do I get anything back from the insurance company?
The policy holder may get a proportion of the premium back based on two conditions. The insurance company gives an option of grace period during which you can pay the premium and keep the policy in force.
If the policy is been less than 3 years old since you purchased your policy and not paid premium, then you may not receive any money back from the insurance company.
If you have paid premium for more than 3 consecutive years, you will receive a proportion of the premium paid; depending upon the assured sum and the accrued bonus if any. However, the surrender value will vary by company and policy.
The surrender value depends on factors like type of policy, amount of premium, policy term, number of years for which the premium has been paid and accumulated bonus.
QIf I already have an e IA, how do I buy a new policy in electronic form?
Once you have opened an e Insurance Account, it is quite simple to buy a new policy in electronic form. You just need to quote your unique e IA Number in your new insurance proposal form, with a request to issue policy in electronic form. Since KYC documents had already been submitted and verified when you opened your e IA, the Insurer will not do KYC again, provided there has been no change to your KYC details, making the process simpler and convenient for you.
QIs it compulsory for all Insurance Companies to offer electronic policies?
Yes. It is the policy holder�s prerogative to opt for a policy in electronic form. If a policy holder wants his/her policy (either new purchase or existing) in electronic form, then the Insurer is bound to fulfill his / her requirement.
The choice of a Repository for opening an e IA is the prerogative of the policy holder and hence all Insurance Companies will need to work with all the Insurance Repositories.
Initially, repository service will be available for life insurance only; over time, health and general insurance (personal lines only) will also be brought within the ambit of repository services.
QIs it compulsory to issue policies in only electronic form? (i.e. is dematerialization of insurance policies compulsory, as in the case of shares?)?
No, it is not (yet) compulsory to issue insurance policies only in electronic form.
Policy holders can choose the form in which they want their policies issued � paper or electronic.
QShould I buy a life insurance policy even if my employer has insured me in a group insurance scheme?
It is always sensible to buy an individual life insurance policy because
a. The amount of insurance covered by your company may not be a very large cover
b. If your employer decides to cut cost then you may no longer be covered
c. If you quit the company then you may no longer be insured
d. Age also plays a role. The premium goes high as you start getting older.
Chat Transcript
02 Dec - 10:00 hrs
How to decide which insurance scheme one should go for
Founder & CEO, Right Horizons
02 Dec - 03:00 hrs
Principal Financial Planner, Roongta Securities


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TomKat Get Their Cuddle On!
Monday 11:06 PM, 02/11/2009
They seem happy enough here!
Source: Stella Pictures
Cuddles and kisses, we never usually see between them!
Katie Holmes visited her husband Tom Cruise on set in Boston where he is filming his latest movie Knight & Day. Amidst rumours that these two are fighting again, Katie put her hand around her husband and cuddled and kissed him all the time as the two took a walk around together. Katie stayed for a few hours before heading to the Boston airport. Good to see these two loving each other!
1 Comments
It's nice to see tom is not wearing high heels andKatie not a frown.


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Mfg.: OMCAN - FMA Model: Food Machinery of America 19480
Please note that the majority of Food Machinery of America products are intended for Light Commercial use, and should not be considered Heavy Duty, nor should they be considered or purchased for heavy duty, or high volume applications.
This item is brand new and ships direct from the supplier.PLEASE NOTE-- This is a special order item with a possible leadtime of several weeks. Please contact us prior to ordering. Item: FMA 24 Quart Juice Dispenser Ice Cooled Triple Tank Model: 19480 Description: Food Machinery's beverage dispenser has a 24 quart capacity with a silver base. It comes equipped with ice tubes which are removable. Features:
WARRANTY: FMA will provide a one year bench-warranty on all electrically powered products and a six month bench-warranty on manually operated products.
This item weighs 28 lbs. but we have added 12 lbs. to the weight for packing and shipping.
There are currently no reviews for this item. Be the first to write one.


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Heads down everyone, this is serious
Synchronised swimming classes have started in Alice Springs - coach Lucy Griffiths explains the passion behind the sport, and why its knockers make her think violent thoughts
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Whatever your idea of a synchronised swimming coach looks like, Lucy Griffiths probably doesn't fit it.
The former elite synchronised swimmer is coaching a ten-week course in the sport at the Aquatic Centre, and anyone rolling up should get ready to have some preconceptions shattered.
For a start, she doesn't agree that swimmers need to do their routines with those fixed smiles on their faces: "It's unfortunate myth that needs to be dispelled - so let's do that right now."
And don't bring up those perpetual questions over why it's an Olympic sport: "It makes me really angry, Brendan...and I want to hit people sometimes.
"It makes me angry because it's a highly technical sport [...] that requires a lot of strength and endurance and flexibility, and that's very hard."
However, one preconception does still hold: yes, you will need to wear one of those special nose-pegs to keep the water out as you master the basics of synchronised swimming - or just "synchro" to its friends.
At a time of controversy over substance abuse in Australian sport, it comes as a relief to hear that as a synchro athlete you can leave your performance-enhancing drugs at home. Lucy says that even though she was rigorously drug-tested when competing at an elite level she can't see why synchro swimmers would need drugs anyway.
"I don't know what sort of drug synchronised swimmers would take," she says. "It's not as though they can bulk up, because if they bulk up they get too heavy in the water, so there'd be no point doing that."
Click on the audio to hear the full interview and why you too should consider trying on a nosepeg.
The Synchronised Swimming course runs for 10 weeks until late April.
Contact the Alice Springs Aquatic Centre for details on 8953 4633.
Latest videos
Latest audio
- An Alice Springs desert farmer Max Emery talks about raising bush raisins.
- Alice Springs farmer Rodney Anjelo says alternative farm designs based on permaculture offer naturally sustainable vegetable production.
- Alice Springs farmer Rodney Anjelo says aquaponics offers a water conscious farming solution that is perfect for desert environments.
- Russian bird hangs around Red Centre
- Snubbed for Borella Ride, says MLA


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Does happiness rise with income? In one of the more scientific attempts to answer that question, researchers from Princeton have put a price on happiness. It's about $75,000 in income a year.
They found that not having enough money definitely causes emotional pain and unhappiness. But, after reaching an income of about $75,000 per year, money can't buy happiness. More money can, however, help people view their lives as successful or better.
Read »


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Harry Redknapp has bemoaned QPR's failure to land top transfer targets Ishak Belfodil and Paul-Georges Ntep.
Queens Park Rangers manager Harry Redknapp has confirmed he is hoping to tie up at least five deals on deadline day.
QPR have told Sky Sports that they have failed to agree personal terms with Inter Milan forward Ishak Belfodil.
Queens Park Rangers boss Harry Redknapp claims he is unsure if Inter Milan striker Ishak Belfodil will join the club.
Sky Sports understands West Ham's pursuit of Ishak Belfodil has hit a stumbling block.
Sam Allardyce wants to conclude a couple of deals by the weekend, and one of those is believed to be for Ishak Belfodil.
Inter Milan striker Ishak Belfodil admits he is looking for a loan move ahead of next summer's World Cup finals.
Inter Milan have signed Ishak Belfodil on a five-year contract in a co-ownership agreement with Serie A rivals Parma.
Antonio Cassano is on the brink of completing a move from Inter Milan to Parma, according to his agent.
Inter Milan president Massimo Moratti has confirmed the club are close to signing Ishak Belfodil from Parma.
Parma striker Ishak Belfodil admits he is desperate to complete his move to Inter Milan.
Inter Milan president Massimo Moratti has refused to rule out sending Antonio Cassano to Parma as part of a swap deal.
Inter Milan have opened talks with Parma over Ishak Belfodil with two players possibly heading the other way.
Parma have said that they are prepared to sell forward Ishak Belfodil this summer - but only for 11 million euros.
Lyon have sold defender Lamine Gassama to Lorient and allowed striker Ishak Belfodil to join Bologna on loan.
Watch every goal from every game in the Football League on your computer, mobile or tablet...


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Drag the home icon in this panel and drop it onto the "house icon" in the tool bar for the browser
Select "Yes" from the popup window and you're done!
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By Greg Wayland NECN
ACUSHNET, Mass. — An Acushnet, Mass. woman is safe this afternoon, thanks to the heroic efforts of two firefighters. There are a few twists to this particular rescue. Three to be exact.
The address of the fire rang a distant bell in the minds of firefights. There heroes in this rescue are cousins, and they aren't full-time firefighters, but they performed like professionals. A neighbor made the 911 call just after 11 p.m. Sunday.
"I was at home, got the call over our alert system," said Frysinger.
Full story: Acushnet, Mass. woman safe thanks to 2 firefighting cousins


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Read our 40+ 5~star reviews on VRBO....
Truly a 5~star, *Pacific* vacation home located 7 mi. south of Newport~~close enough for all the fun you can find, yet far enough away for quiet solitude ~~ Sea Cliff has successfully pleased and comforted relaxation seekers for 6 years!
The coastal sunsets are beautiful! Come to Sea Cliff to cozy up to the fire during the cool winter weather. Plan your Sea Cliff getaway where you will find all your needs met with the sights and sounds of the sea almost touchable!
This 3 bed/2 bath home is set up above the central Oregon Beach with dining room seats to a panoramic view of the great Pacific. Each bedroom has a queen sized bed, and each bath is supplied with all the plush linens you appreciate. Open up your laptop if you need to with our WiFi. The fully equipped kitchen awaits your creative meal plans while others wait in the livingroom with DVD, CD, or satellite entertainment.
The wood stove will keep you cozy during those turbulent winter storms, and the ocean breeze is perfect to cool you on warm days that meet your lazy days. Scrapbooks containing travel info for day trips to the North, South, & East of Sea Cliff are available to help you plan your week.
We have a single car garage with parking for (1) other vehicle just out front. A wrap~around deck in back calls you out to enjoy the countless dramatic sunsets over the western horizon. Plenty of seating for all will complement your relaxation, while the gas grill is ready for your special seafood creations.
If smoking is desired, the covered front porch is a suitable place as this is a non-smoking home.
This home is perfect for romantic celebrations, a leisurely get-a-way for the retired couple, small family get-togethers, families w/ children, or just some quiet time for anyone needing a break from the demands of life....Truly Pacific...Latin for "peace making"
Whale watching tours
Oregon Coast Aquarium
Nye Beach and Bay Shopping
Glass Blowing-blow your own!
Wolf sanctuary~8 miles south
Yaquina Bay and Yaquina Head historical lighthouses
Lincoln County Historical Museum
Cape Perpetua Trail
Heceta Head Lighthouse
Miles of beach combing
Mike Miller Walking Park
Many charming and delicious restaurants to suit your taste buds!


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About Us
Welcome to Liverpool Business School
The Liverpool Business School (LBS) is a modern and student-centred business school with a track record of nearly 40 years of serving the regional business community. We provide a responsive business education that prepares graduates for business and management careers and business professions (accounting, marketing, public relations, human resource management, etc.) We are proud of our approach to providing business education, which emphasises practical knowledge and its application, delivered by supportive and approachable staff. Our priorities in the next five years are firmly focused on: 1. the employability of our graduates Liverpool Business School is based in an exciting and creative city - a world famous city - with a future promise based on entrepreneurship and the creative and cultural industries. The School draws on the energy of this economy and contributes back to it. |


text: Image text transcribed for accessibility: A 3-phase, 16 pole alternator has a star-connected winding with 144 slots and 10 conductors per slot. The flux per pole is 0.03 Wb, sine distributed and the speed is 375 RPM. Find the frequency and phase and line electromotive forces. [50 c/s, 1530 V; 2650 V]


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Arvada Beer Company is open 7 days a week! Happy hour Every day, details below.
We now serve soup and salad every day! Come check out our extensive salad bar selection and we always have 4 soups for your enjoyment! Lunch service is from 11 am to 3pm.
Hump Day Helper. Every Wednesday we have Goldline IPA for only $3 a pint all day.
2015 Mug Club page has been updated. Check it out!
Colorado Craft Beer Show will be broadcasting Live from 12 to 2 on 2/28/15.
We always have 8 to 14 handcrafted beers on tap. Check our "Our Beers" page to learn more about our award winning beers.
Happy Hour every day at Arvada Beer from open until 2 pm and from 4 pm until 7 pm $1 off all pints and snifters!
Sunday $2 off all 64 ounce growler fills, and $1 off all 32 ounce growler fills!
Thursdays at 2pm our Brewers Limited release – 10 gallons of special beer until it's gone
Arvada Beer is located in Historic Olde Town Arvada, at the corner of Olde Wadsworth and Grandview.
Monday through Thursday 11 AM to 10 PM
Friday and Saturday 11AM to 11 PM
Sunday 11AM to 9 PM
Follow us on Facebook for all of the latest updates www.facebook.com/arvadabeer


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(based on 87 reviews)
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(1 of 1 customers found this review helpful)
Must have table cloth!
By Peanut
from Show Me State
About Me Midrange Shopper
Comments about Classic Weave Elasticized Table Cover:
Before 1st use throw in the dryer with damp towels for a short time to warm up to get out all the wrinkles - Really helped.
Have bought these for years
By Lea
from Wisconsin
I first learned of these tablecloths from my Mom. When my boys were young they were always pulling the tablecloths off to one side. These are great since the elastic keeps it in place.
Glass Top Protection
By Granne
from Tampa Bay FL
About Me Budget Shopper
This felt backed plastic tablecloth is perfect protection for my glass top table.
(3 of 3 customers found this review helpful)
Can only get fitted covers from Catalog
By Jm
from Chicago, IL
When I need to replace the table cover, I leave the old one under it for double protection. The extra padding also seems to extend the life of the new cover. Also, you need to MAKE CERTAIN the description of the cover you choose says that it has the flannel lining. Some do not, and they offer less protection and don't last very long. I haven't found any store that carries the fitted table covers, just the catalog stores.
attractive and servicable
By budget watcher
from Ocala,Florida
This cover is durable, washable and protects the surface of our table. . It was just the cover for Holiday use. the color was just right.
Great tablecloths
By Lynn
from Marietta, GA
I bought this tablecloth to put on our breakfast nook table when the kids decide to do crafts. I wanted something that was easy to put on, easy to wipe clean, won't slide off the table when the kids are leaning on the table and that would protect the wood table underneath. I got this one as a gift and loved it. It stays on the table 24/7. After about 6 months, it did have a couple of rips in it, but thankfully, the table underneath was unharmed. No matter what, they were cheap enough that I decided to find the exact tablecloths and order a bunch more. Love the solid colors...I'm not into all the crazy patterns. Highly recommend.
(2 of 2 customers found this review helpful)
This table cloth cover is great!
By Karo
from MIssouri
This elastic fitted table cloth is great. It stays in place and you don't have to worry about it moving, being even on a table. I love it
By long-time buyer
from Michigan
I've purchased a number of elasticized table covers from Miles Kimball over the years, and have loved them, except that I never really found a color/design I liked. I was delighted to find this one in solid colors, and bought red and beige, both of which go nicely in my kitchen. However, these leak. Badly. My beautiful oak table, which the other versions I've bought from Miles Kimball have protected for over 20 years, now has water rings on it, because condensation from glasses oozes right through. I'm VERY disappointed!
By janet maddock
from spring hill, fl
Shopping experience was excellent. Product is as advertised, at a good price, and delivered in a timely manner. Will shop here again.
Nice Elasticized Vinyl Tablecloth
By Silver Bullet
from Cincinnati, OH
I was hunting for some time for an elastic vinyl tablecloth for our kitchen table. I could not find one in the color I needed for our newly remodeled kitchen, but finally I came upon this one in the shade and design I wanted. I had other elastic tablecloths before from a different manufacturer, but when I bought them again, they were too thick and would no longer work right on the table. The trick to getting the wrinkles out of the tablecloth is to put it in your dryer on low or medium for 2-3 minutes, but don't put it in too long or you will melt the plastic! You must be careful with scissors or your nails because they can put a small tear in the tablecloth.


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/pharmacy/Connect With Us
Resources and Links
- Assessment
- Blackboard/WebCT Login
- Bully Incident Report
- College Catalog
- Commencement
- Computing
- Drug Information Resources
- Experiential Education
- Honors Program
- Library/Learning Resources
- Research Opportunities for CPPS Students
- Student Affairs
- Student Organizations
- Success Coach Program
Contact Us
Main and Health Science Campuses
Wolfe Hall room 1227, Phone: 419.530.2010
Frederic and Mary Wolfe Center room 155, 419.383.1904, FAX: 419.383.1994
UTCPPS Offices
The Office of the Dean, College of Pharmacy & Pharmaceutical Sciences
The Office of the Dean is located in the Frederic and Mary Wolfe Center on the Health Science Campus in room HEB 145. To reach the Office of the Dean, please call 419.383.1997. Please contact Cynthia Soncrant (see below) to schedule an appointment with the dean.
Dr. Johnnie L. Early, II |
Donna Haar |
Dr. Marcia McInerney Background includes: Chair of the Department of Medicinal Chemistry, Distinguished University Professor, diabetes research |
Kwabena Kankam, CPA, MSA Senior Business Manager Phone: 419.383.1936 Email: email@example.com B.S. in Accounting, Indiana University M.S.A., The University of Toledo Background includes: Accounting, Auditing |
Charisse Montgomery Scientific Editor and College Communicator Phone: 419.383.1927 Email: firstname.lastname@example.com B.S. in English, Towson University M.A. in English, The University of Toledo M.Ed. in Educational Psychology, The University of Toledo Background includes: Education, training, writing and editing |
Cynthia Soncrant Executive Secretary Phone: 419.383.1931 Email: email@example.com |


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On the eve of its fourth-quarter earnings report, Intel Corporation (NYSE:INTC - 22.10) has been hit with a barrage of bullish options activity today. Approximately 107,000 calls have changed hands so far, which is more than double the norm. By comparison, roughly 52,000 puts have been traded. Leading the pack is the January 2013 22.50-strike call, where north of 29,600 contracts have crossed at a volume-weighted average price (VWAP) of $0.26.
Digging deeper into the data, it looks as though the majority of these near-the-money calls were exchanged at the ask price, suggesting they were purchased. Meanwhile, implied volatility was last seen 7.1 percentage points higher, implying the initiation of new positions. If these calls were, in fact, bought to open, traders are betting on INTC to surmount the breakeven rail of $22.76 (strike price plus the VWAP) by front-month expiration, which occurs at the close this Friday.
This campaign for calls over puts is a stark contrast to the security's recent trend. Data from the International Securities Exchange (ISE), Chicago Board Options Exchange (CBOE), and NASDAQ OMX PHLX (PHLX) shows a 10-day put/call volume ratio of 1.18, confirming traders have bought to open 118 puts for every 100 calls during the last two weeks. This ratio ranks higher than 87% of other such readings taken within the past year, meaning speculators have been picking up bearish options over bullish at an accelerated clip.
Technically speaking, the semiconductor issue has tacked on more than 7% so far this year, and has recovered about 15% since tagging an annual low of $19.23 on Nov. 21. As previously noted, INTC is on deck to report quarterly earnings tomorrow, and has bested consensus bottom-line estimates in each of the past four quarters. Analysts, on average, are expecting a fourth-quarter profit of 45 cents per share. Should the stock pull off another earnings win, today's bulls could end up collecting a profit on their call purchases by week's end.


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Farming after laning phase
So I mained support in Season 2 and I'm just now getting into playing more carry roles. I usually do ok with the laning phase, at 10 minutes I'm normally at about 60-75 cs. Not great, I'd like to get that number closer to 90(I think at 10 minutes the max cs is 107 if you hit every creep?), but not bad either. Anyways, any tips on farming after the laning phase is over? I've read quite a few guides on last hitting and farming, but I can't seem to find anything regarding farming after the laning phase is over. I usually take the easy jungle camps, wraiths and wolves, or if I'm playing Ryze I will solo blue if it's up. Other than cleaning up pushed creep waves, what are some other ways of getting farm? It seems like when team fights break out and both teams are contesting objectives I have a hard time farming. Any input would be appreciated. Thanks!
Nobody likes my post *sniff*
Lol. NOBODY LIKES YOU!
Anyway, you should really work on your last hitting - you should be able to get every last hit in the lane if you're under no pressure, and preferably all of them under a lot of pressure (though that's not even something most pros would be able to do, I imagine). If you're playing mid, you should be taking wraiths whenever possible, and generally wolves too. Farm your lane whenever possible. If you're bottom/top, generally the same thing. You can sometimes take wolves/golems as top lane, and same as bottom. Make sure you're not losing your lane's CS for it, though! As for after the laning phase, you should farm a lane whenever possible. If your team isn't posturing for dragon/baron or keeping them off of dragon/baron, go farm a lane. If you're posturing for baron, you can still fairly safely farm mid, top, and wolves (as blue side), or mid, top, wraiths, and golems (as purple side). Always make sure you have proper wards, though, so you don't get caught! |
All times are GMT -8. The time now is 03:26 PM. |
(c) 2008 Riot Games Inc


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The FG team land in Blackpool for the YFC AGM 2009
THE FG team have landed at Blackpool and will be bringing comprehensive coverage live on our website throughout the weekend.
As the biggest event on the YFC calendar, our seven-strong team will be bringing you all the news, events and competition results as they happen and a dedicated picture gallery will be capturing all the action from the weekend.
For the second year running we are proud to be sponsoring the Senior Member of the Year, interviews for which begin on Saturday and will culminate in a presentation after the National Pantomine Final on Sunday.
All competition winners will appear in our YFC AGM feature special in May 8 edition of FG.
Our dedicated Twitter site for Young Farmers is already in full swing and will continue to be a new communication stream for young people working and living in the countryside.
Follow Farmers Guardian Young Farmers at:
And if you want your Tweets from this year's YFC to appear on the Farmers Guardian website at:
Simply follow us and include #fgyfc in your Tweet.
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A huge "thank you" to Don Ewing of Cakes by the Lake for making pieces for 150 gingerbread houses and all the frosting for our fifth-grade fundraiser! This is the 12th year of Don's support of this event and fundraiser. We couldn't do it without you! We are very grateful and thankful for everything you have done and continue to do.Brittainy Lehmann, on behalf of the fifth-grade students and staff at Lake Tahoe Environmental Science Magnet School
- Tahoe's Kevin Murnane remembered for vast community support (updated)
- Lake Tahoe storm brings 2 feet of snow, cross-country resorts reopen
- Leonard Nimoy – Mr. Spock on 'Star Trek,' former Tahoe homeowner — dies at 83
- Truckee Police logs: Women punch, kick woman suspected of having affair
- Tahoe's South Shore expected to receive brunt of weekend storm


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Keeping (Too) Busy
It was an excruciatingly long week.
Ran the book fair at school.
Helping bottle almost litres of syrup.
Picking up slack while Hubby boils.
But…the snow is really melting.
Some very Springlike days were wonderful.
Categories: Blog
5 comments
Sounds a bit like life around here!
Ah, aren't we all overworked in this day and age! May you receive the much needed rest you deserve.
We are finally getting into Spring weather! This week is supposed to be cold again, though.
Sounds busy but happy as well.
It sounds like a very productive week – though busy. Thank goodness spring is just around the corner.


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"One of the lessons here is that helping to bring down authoritarian and very repressive regimes" – like the Taliban in Afghanistan or Muammar Qaddafi in Libya – "doesn't mean we'll necessarily have better relations with those countries," says James Phillips, a Middle East expert at the Heritage Foundation in Washington. "The evidence suggests the new leaders are intent on leading their countries away from the US and away from Western values."
The protests – sparked by an online video made in America that denigrates the prophet Mohammad and Islam – also spread to Pakistan, the Philippines, Australia, and Indonesia.
The largely peaceful protests that began in Afghanistan after Friday prayers intensified Sunday and Monday, when crowds in Kabul targeted a NATO camp and students at Kabul and Herat universities demanded punishment of the makers of the video.
There were also signs that Islamist extremists were tapping into the popular ire against the US to boost their own standing – and that some populations were responding.


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Ipreo And NIRI To Host Second Annual "IR Wisdom Roadshow"
HONG KONG, Feb. 6, 2013 /PRNewswire/ -- Ipreo, a global leader in providing market intelligence, data, and technology solutions to all participants across the capital markets, announced they have again partnered with the National Investor Relations Institute (NIRI) to offer a world-class educational experience to three cities in Greater China. The "IR Wisdom Roadshow" is designed to promote the investor relations profession through increased education, awareness and exposure. Three full-day events will be held in Beijing, Shanghai, and Hong Kong from Monday, June 24 to Friday, June 28, 2013.
The IR Wisdom Roadshow represents a unique opportunity for investor relations professionals in the region to benefit from an exclusive gathering of influential local, regional and international industry experts and peers. This in-depth workshop will cover the expanding role of IR in China and the coming together of both local and global best practices. Event participants will receive a Certificate of IR Achievement to support continued career development for completing the one-day seminar.
Event attendees will also receive the option to become Global Subscribers of NIRI as part of the event attendance fee. NIRI is the world's largest global IR community with members in 45 countries. NIRI members receive the benefit of access to world-class content through monthly publications, executive alerts, global IR surveys, professional career connections, education programs, and webinars. IR leaders around the globe look to NIRI for best-in-class practice standards and education.
"NIRI is dedicated to advancing the practice of investor relations and the professional competency and stature of IR practitioners around the world," said Jeffrey D. Morgan, President and CEO of NIRI. "Based on the overwhelmingly positive response of last year's events, we are delighted to return to China with Ipreo to share collective best practice knowledge directly related to the local Chinese marketplace along with the experience of the global investor relations community." "Education – on the markets, on the investment community, on the vital function of IR in public companies, and the development of IR within the management team – is extremely important to the growth and development of investor relations," said Justin Reynolds, Managing Director of Asia-Pacific for Ipreo. "We are very pleased to be helping to drive that educational programming together with NIRI, by bringing practical content and expertise directly to the IR practitioners in China." To learn more about the IR Wisdom Roadshow, or to register for one of the events, visit www.niri.org/wisdom. About NIRI Founded in 1969, NIRI is the professional association of corporate officers and investor relations consultants responsible for communication among corporate management, shareholders, securities analysts and other financial community constituents. NIRI is the largest professional investor relations association in the world with more than 3,300 members representing over 1,600 publicly held companies and $9 trillion in stock market capitalization. About Ipreo Ipreo is a premier global provider of high quality data, market intelligence, and productivity solutions to investment banking and corporate clients. With decades of experience serving the capital markets, and a reputation for superior customer service, Ipreo is both a dynamic innovator and a trusted resource. Ipreo has more than 650 employees and operations throughout the world. Ipreo is majority-owned by private equity firm KKR ( www.kkr.com). For more information, please go to www.ipreo.com.Check Out Our Best Services for Investors
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For instance, there's the "chophouse" steak salad, deliciously fattening and satisfying on every level, from flavor to texture. The salad takes on a timbale shape, with a succulent slice of strip steak wrapping an interior of chopped greens, bacon, chopped tomato, and lumps of sharp and savory blue cheese. The whole thing was united by a creamy garlic dressing and festooned with crisp tobacco onions, which added a crunch as if to a casserole. Best of all, perhaps, because the serving was large and the proportion of lettuce as compared to the sturdier ingredients was minimal, the leftover salad kept beautifully in the fridge for lunch the next day.
In fact, no matter what you order, you're bound to have much more than enough. A bowl of linguine with little-neck clams partnered with garlic crostini was a marathon runner's dream. Juiced with a garlic, parsley, and white-wine broth, the pasta tasted homemade, and the dozen clams that rimmed the bowl had been carefully poached to open like just-perfumed invitations.
We didn't have as much success with a newer menu item, the veal "telephono." The pounded meat was fork tine-tender, and the mozzarella that melted over it was as smooth as a con man. But the tomato sauce that also dressed the veal had too much of an herbal kick, and the fresh fettuccine under it had been overcooked. The addition of "oak fire" peppers, though, offset the too-bright basil with some smoky robustness.
16950 Jog Road
Delray Beach, FL 33446
Category: Restaurant > American
Region: Delray Beach
The adjectives "oak fired" and "wood oven" are sprinkled liberally throughout the menu, referring to the restaurant's extensive hardwood- and coal-burning appliance, which is featured in the theater kitchen. The treatment is applied to items ranging from side dishes like asparagus with ricotta salata to rotisserie chicken to roasted mushrooms or beets. Most notably, the grill is utilized for steak house-styled cuts of meat, including a bone-in rib eye and center-cut filet mignon.
When it's not Italian or steak house, the menu is a mixture of contemporary dining favorites including caramelized onion-crusted sea bass and mustard-glazed salmon cooked on a cedar plank. No doubt these are house favorites. But Manero and company might want to start experimenting with some bolder dishes, for two reasons. For one, some of the fish on the menu is once again close to endangerment, such as the line-caught swordfish, or even extinction, such as the sea bass. For another, as word about this posh quality spot spreads further than Palm Beach County limits, those who are willing to hit the highway for a good meal will undoubtedly prove to have more adventurous palates. Indeed, our server, who was wonderfully trained and extremely personable and energetic, told us that the average age of the clientele has been steadily dropping, directly opposite the collective distances of their travels, since the restaurant opened in June.
Crème brûlée, as windowpane-in-winter perfect as it is here, might not be the ideal choice for those who have gone out of their way, but it certainly will appeal to the devout. To my mind, the raspberry yogurt and angel food cake parfait was far more interesting, not to mention pleasantly light and tangy after such a rich and filling meal. But of course, the choice of how to end one's meal is as open to interpretation as the name of the restaurant. Which is why next time, I'll probably close with the wedge of rich, oven-baked, truffle macaroni and cheese, a donation to my own particular cause -- sleeping it off.


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The Digital Skeptic: Innovators Race to Open Source and Patent 'Safe Space'
NEW YORK ( TheStreet) -- Keith Bergelt says that when it comes to information, greed is not so good.
"We spend millions of dollars a year to buy patents," Bergelt told a very dubious me over the phone a few months back. "And we make them available for free as long as folks agree not to attack each other."
Bergelt is not what you would consider a software do-goodnik.
Rather, he's chief executive of the Durham, N.C.-based Open Invention Network, and as such sits atop what he says is a low-nine-figure intellectual property war chest. OIN gets its cash from the likes of IBM (IBM), Sony (SNE) and Philips, and Bergelt spend his days working the global intellectual property market, sifting for bits of IP that pose a threat to so-called open-source software -- mostly based on the Linux operating system and principles.
"We look at firms that have more patents than they need," he said, "or ones that are growing or shrinking and want to alter their portfolio." He then offers to either buy that patent outright or potentially partner with the patent owner by offering a license into the OIN community. Such licensees gain access to shared legal and patent filing support needed to manage the intricacies of protecting intellectual property. But it all comes with a major caveat: Every licensee signs an iron-clad non-aggression pact with fellow OIN members. "We offer a safe environment for innovation," Bergelt said. "It is a form of an intellectual land trust." Get over it, all you wannabe Gordon Gekkos, Carl Icahns or Thomas Mellon Evans out there. Wall Street investors now face a bizarre digital-age mutation: massive, publicly traded enterprises that -- be sure you're seated -- cooperate! Learning to use the C wordNow that I have used the "c" word in public -- and have not been struck down by lightning -- investors should realize that Bergelt's notion of intellectual property sharing is absolutely nothing new under the business sun. "It all started about 40 to 50 years ago," Carsten Emde told me over the phone from Germany. He's general manager of the German-based Open Source Automation Development Lab, which is one of OIN's licensees. Emde represents the interests of 42 companies that employ about 100,000 people worldwide and gross up to $100 billion worth of sales.
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Quant Ratings
Access the tool that DOMINATES the Russell 2000 and the S&P 500.
Product Features:
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- Unlimited research reports on your favorite stocks
- A custom stock screener
Stocks Under $10
David Peltier uncovers low dollar stocks with serious upside potential that are flying under Wall Street's radar.
Product Features:
- Model portfolio
- Stocks trading below $10
- Intraday trade alerts
Check Out Our Best Services for Investors
Dividend Stock Advisor
David Peltier identifies the best of breed dividend stocks that will pay a reliable AND significant income stream.
Product Features:
- Diversified model portfolio of dividend stocks
- Updates with exact steps to take - BUY, HOLD, SELL
Trifecta Stocks
Every recommendation goes through 3 layers of intense scrutinyquantitative, fundamental and technical analysisto maximize profit potential and minimize risk.
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If I'm going to recommend an expensive sex toy to my readers, I want to make sure that you get the most out of every penny spent. I don't want you throwing away your hard-earned money on something that is flimsy and uncomfortable, and I especially don't want a bad product to ruin you or your lovers experience with strap-ons as a whole. That is why every item I recommend is one that I've used myself and would feel comfortable recommending to my closest friends. My goal here is to help you find the right harness and to answer any questions you may have about using one. Hopefully I've succeeded in that goal.
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Long Range Planning Home Subarea Plans
Foothills Subarea Plan Birch Bay Community Plan Lummi Island Subarea Plan Bellingham Urban Fringe Subarea Plan Pt. Roberts Subarea Plan
Building Services Code Enforcement Fire Marshal GIS Maps & Data Natural Resources Permit Center Planning SEPA Contact Us
Director: J.E. "Sam" Ryan, CBO
5280 Northwest Drive Bellingham, Washington 98226 Telephone: (360) 676-6907 E-mail: firstname.lastname@example.com
Long Range Planning
For information about Whatcom County's subareas, please click on the links to the left.
Questions? Please contact Planning and Development Services at firstname.lastname@example.com or (360) 676-6907.
Copyright © 2007 Whatcom County Privacy Policy Webmaster: email@example.com


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The MacArthur/Broadway Shopping Center opened to much fanfare on September 9, 1965. Located in North Oakland, the enclosed mall was considered "A whole century ahead of its time … The most fantastic one-stop shopping and dining extravaganza in the entire universe!"
One of the best features of the mall was The Hamlet, an early food court similar to the Emeryville Public Market, which had 15 restaurants, one restaurant for each of the major ethic foods of the time: Chinese, Japanese, Italian, Mexican, American, German and Sea Food, Smorgasbord, Hof Brau, as well as the Pine Tree Candy shop. Mr. Bo's had American food (chicken fried steak, Salisbury steak, etc. ... similar to the old various of the Kerry House on Piedmont Avenue),
Once the go-to destination in North Oakland, after several decades the M/B Center became run down and dangerous. In 2009 the MacArthur/Broadway Shopping Center was demolished for a future Kaiser Permanente hospital.
"C'mon kids … let's go to Mayfair!" Yes!! The Mayfair market was awesome ... with the best Jersey and Guernsey milk, imported chocolates and the most incredible salami from Denmark wrapped in gold foil.
The MacArthur/Broadway Center was built by Edmond E. Herrscher, a Mayfair supermarket chain board member.
In 1937 the Arthur Williams supermarket was built on the block of MacArthur Blvd. and Broadway. One of the first in California, it was also one of the nation's first supermarkets with a parking lot. The supermarket's 60' tower was a landmark, with a mile of neon lights on the tower and storefront. The Arthur Williams supermarket became a Mayfair supermarket in the 1950's, but was demolished in 1964.
"The MacArthur/Broadway Center contained a new Mayfair (26,000 square feet), which opened in September 1964. The grand opening grand prize was a trip to the 1964 World's Fair in New York. After the old Mayfair/Andrew Williams store was demolished, the remainder of the shopping center was built on its site. The MacArthur/Broadway Center opened in September 1965." 1
The MacArthur/Broadway Center was home to one the first shopping mall movie theater in the East Bay, the plush Theater 70, which opened in the mid-1960's/1970. There were two entrances, one inside the mall and the other on the outside, at the intersection of MacArthur Boulevard and Howe Street. The address of Theater 70 was 255 West MacArthur Boulevard, though it was later renamed Cinema 1. In 1977 the theater closed permanently.
Broadway, MacArthur Boulevard and Piedmont Avenue, Oakland, California
Additional Links
- MB Center Broadway and West MacArthur Blvd. Oakland, CA Groceteria 1
- Oakland Tribune, Wednesday, April 06, 1966, page 65
Oakland Tribune, Thursday, October 20, 1966, page 16


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Atletico Madrid striker Falcao has spoken of his desire to win titles with the club after making an impressive start to the new season.
Having already won the UEFA Super Cup this season, Falcao, 26, is aiming to win more silverware this season and insists he is happy where he is.
An impressive start by Atletico sees them sitting top of their Europa League group, and second in La Liga just three points behind leaders Barcelona and five points above fierce rivals Real Madrid.
The Colombian striker has already netted 10 league goals this season and firmly believes this could be a great season for himself and his club.
"I am very happy at Atletico Madrid," said Falcao.
"I am enjoying how it and my main objective is to continue scoring goals so that we can bring great success to the club.
"2012 is my year without a doubt and I believe I can win titles, but only with the help of my team mates at both Atletico and Colombia."


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It's common knowledge that our bodies need water to keep ourselves healthy and even to keep ourselves alive. Our craving, or thirst, is often a late indicator of mild dehydration. Most people do not recognize early signs of mild dehydration.
Symptoms of mild dehydration include dizziness, muscle cramps, fatigue and difficulty focusing on a task. If you experience any of these symptoms, go straight to the faucet or water cooler and drink a few glasses of water.
The rule of thumb for how much water you should drink in a day varies according to your activity level and the median temperature in your environment. A good guideline is to drink one half of your body weight in ounces, not pounds, of water per day.
For example, if you weigh 160 pounds, you should drink at least 80 ounces of water per day. From that guideline, you can add more water to allow for more activity and to factor in for excessive perspiration if it is hot in your environment.
While coffee, pop and alcohol are liquids, they are actually diuretics so you will often need more water to offset consuming these types of beverages. A diuretic will cause you to lose more liquid than you take in.
On the average day, you should consume water as your main beverage, rather than juices, flavored beverages, pop or coffee.
Our bodies need water for all of their basic functions such as breathing, sweating, urination, digestion, lubrication like saliva, fluid membranes around joints, mucus membranes and fluids for our eyes.
Water comprises 80% of our brains and blood, 75% of our muscles and 22% of our bones. To sum it up, our bodies can't function for long without proper hydration from water. So, make sure that you drink enough purified water to keep your body functioning optimally.