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Doing business with local government A guide to better understand how to successfully become a supplier for local government. 02 Doing business with local government Introduction 3 About this guide 3 What is 'procurement'? 3 Procurement factors 4 Council procurement and the law 5 The Local Government Act 5 Council procurement policies 5 Ethical standards 5 Methods of procurement 6 Quotes 6 Public tendering 6 Request for information / Expression of interest 8 Aggregated procurement 8 Becoming a preferred / registered supplier 8 Critical factors 9 Occupational health and safety 9 Insurance 9 Quality assurance 10 Bonus points 11 Community driven goals 11 Environment and sustainability 11 Social procurement 12 Technology 12 Frequently asked questions 13 Resources 15 About the MAV 15 About local government 15 Doing business with local government 03 INTRODUCTION Trying to understand how to successfully become a supplier for local government can be quite daunting. There are a lot of rules and regulations, and understanding why and how decisions are made is important. This guide is designed to encourage potential suppliers to form profitable, long term partnerships with councils. For existing suppliers, this guide should also help to reveal why councils work the way they do. What is 'procurement'? Procurement is simply buying products, services and works. While textbooks have been written on the subject, it just comes down to councils trying to get best value when spending public money, in a way that is fair and transparent for everyone. Councils have to follow certain rules set down by the State Government, operate under the Local Government Act, and also have to follow rules that their own Councillors have decided on. QUESTION: Is doing business with the council complicated? ANSWER: The more the potential business is worth, the more complex the process becomes. For example, supplying refreshments for a small shire may just be a matter of introducing yourself and supplying a menu. For large catering contracts worth hundreds of thousands of dollars, a tender may be required. 04 Doing business with local government Councils spend money on a huge range of things - from roads, footpaths, recreational and community facilities, parks and trees; to heavy vehicles, office equipment, professional services, utilities and more. Council expenditure (2007) $285 million Building & construction of facilities $690 million Construction, maintenance and renewal of roads and streets $130 million Waste management collection $147 million Sports grounds $70 million Vehicle purchases $80 million Street cleaning $64 million Electricity Procurement factors When trying to decide how to best spend public money, councils take into account a range of factors; 1. Quality and performance; 2. Value for money; 3. Community expectations and values; 4. Balance of affordability and accessibility; 5. Opportunities for local employment growth; 6. Partnership building with other levels of government; 7. Environmental sustainability. QUICK TIP Offering gifts, favours or entertainment to council officers or Councillors is frowned upon, and is often illegal. Positive business relationships are to be developed through superior product and service delivery. Doing business with local government 05 COUNCIL PROCUREMENT & THE LAW The Local Government Act Councils are subject to the Local Government Act 1989 (The Act). Amongst other things, this State Government legislation says that the way councils purchase goods or services depends how much is being spent. Section 186 states that purchases of goods and services above $150,000 (or works above $200,000) must go to public tender, which can be quite a lengthy and involved process. There are also State Government guidelines about how much councils can spend over time with any supplier without a contract, or without testing the market for best value. Under certain conditions though, councils can be exempted from the procurement provisions of The Act: · IN EMERGENCY SITUATIONS, SUCH AS BUSHfiRE, COUNCILS CAN MAKE IMMEDIATE PURCHASE DECISIONS regardless of value; · COUNCILS CAN OUTSOURCE A TENDER TO A THIRD PARTY, WHO CAN RUN THE TENDER ON THEIR BEHALF; · WHERE THE MINISTER FOR LOCAL GOVERNMENT HAS GIVEN PERMISSION; · WHERE THE GOOD OR SERVICE IS SPECIfiCALLY EXEMPTED BY THE REGULATIONS, SUCH AS LEGAL SERVICES. Of course, councils must also adhere to other Federal and State regulations governing their entire range of operations, including Occupational Health & Safety law, tax law, applicable Australian Standards and more. Council procurement policies The Act also requires each council to develop their own set of rules for buying goods and services, called a Procurement Policy. Usually, this will contain other cost benchmarks. For example, a council may require three separate quotes for purchases between $10,000 and $150,000. Council procurement policies are publicly available, and are usually on the council website. It's a good idea to get your hands on the policy so you know upfront what the council has to do when buying. The purpose of these procurement policies is to: · ENSURE A STANDARD PROCESS FOR PURCHASING ACROSS THE ENTIRE COUNCIL; · DEMONSTRATE TO RATE PAYERS THAT THEY ARE BEING CAREFUL IN SPENDING THEIR MONEY; · ENSURE THAT COUNCILS ARE BEING ETHICAL, TRANSPARENT AND TRUTHFUL WHEN PURCHASING; · TRY AND GET THE BEST POSSIBLE RESULT ACROSS A RANGE OF FACTORS, INCLUDING BEST VALUE. Ethical standards Communities rightly expect the highest levels of good governance and ethical standards from all levels of government. As a result, councils take any suggestion of anti-competitive, collusive, dishonest or corrupt behaviour very seriously. All suppliers to councils are expected to maintain the highest standards of behaviour and avoid all conduct that does not promote fair competition and dealings. Legislation limits council officers from receiving gifts, entertainment or services of a value that may exceed $500 over the course of a five year period. Additionally, councils have separate gift policies they must adhere to. Anything that may be construed as an attempt to gain preferential treatment is strictly prohibited. 06 Doing business with local government METHODS OF PROCUREMENT Quotes Local councils will often seek quotes from suppliers. Typically, councils will get at least three quotes for purchases between $5,000 and $150,000. Quotes do not need to be publicly advertised, and each council's procurement policy varies. Council officers will usually contact suppliers directly to seek a quote when the need arises. Suppliers are able to contact council officers to discuss a quote without restriction. This is different to a tender, which has strict rules regarding direct contact. Keep in mind that councils deal with literally hundreds of suppliers across thousands of products and services, so be sure that any contact is absolutely necessary to respond to the quote accurately. Public tendering Really, a tender is just a more formal quote process. There are more rules, and it needs to be publicly advertised, usually in a newspaper, but essentially, a council invites all interested suppliers to put a bid in to supply the goods or services or works needed. The rules of engagement are clearly stated within the tender documents that are prepared by the council. A tender will also clearly set out what the council needs, and on what criteria the council will be comparing and basing their decision on. To be successful, you must carefully address each criteria. Many councils are moving towards electronic tendering. Potential suppliers can register their details to receive notifications when new tenders are released, and view results on previously awarded tenders. QUICK TIP Be careful when approaching Councillors regarding procurement. Councillors have strict conflict of interest rules governing their involvement in commercial dealings, and it is the council officers who are responsible for purchasing and tendering operations. Doing business with local government 07 TYPICAL TENDER PROCESS Councils Role Council develops a tender based on need Suppliers Role Tender advertised publicly Tender accessed by interested suppliers Tender response forms filled in by supplier Tender response submitted to council by supplier Council evaluates all responses received, based on same criteria Council ranks suppliers and appoints top supplier/s 08 Doing business with local government Request for information / Expression of interest Often referred to as an RFI or EOI, they are used by councils to explore the ability of the market to supply specific and unique requirements. It is usually the first stage of a complex tender and allows councils to prequalify suppliers who are likely to be capable of fulfilling the council's requirements through a formal tender. Aggregated procurement From time to time, groups of councils may choose to go to market together to drive bulk discounts. Besides better prices, having just one tender for a number of councils reduces administration, saves time and saves money for everyone involved. Third party organisations, like MAV Procurement , are able to conduct aggregated tenders on behalf of councils, once they receive written permission. At the end of the tender process, those councils can use the successful suppliers if they wish, but they can still choose to run their own separate process if they believe the outcome is unsuitable. Becoming a preferred / registered supplier Terms can vary between councils, but usually, a 'preferred supplier' has successfully participated in a tender process, thoroughly market tested and compliant with all requirements. A 'registered supplier' has not been tested through a tender process, but is registered with the council to supply goods or services up to a certain value. Registered suppliers are often invited to quote. Councils often maintain a 'panel' of suppliers for in-demand products and services. This allows them to pick and choose the best supplier for the job, or use whoever provided the best quote. Being appointed to a panel does not guarantee any work, only that the supplier becomes a legitimate option for council staff to use. 2 QUICK TIPS Suppliers that are keen to do business Incumbent suppliers are not provided with councils should find out when the any preferential treatment or consideration. major contracts they are interested in Tenders are a competitive process and supplying are due to expire, so they are once a contract expires, a clean slate is ready for the next tender. given to all with respect to the new tender. Doing business with local government 09 CRITICAL FACTORS Some things councils expect from suppliers are not negotiable, and must be in place to win council work. It depends on the sorts of products and services supplied (including works and construction), but things like appropriate training, relevant accreditation and licenses, and up-to-date insurance cover are common legal and procedural requirements. If they are requested, you must include them. Occupational health and safety Councils see the health and safety of all people in a workplace of the highest importance, and they expect their suppliers and contractors to make things as safe as possible. When suppliers are asked to prove how they manage OH&S, the standard expected will depend on the type of work being undertaken and the risks involved. Expectations may range from a fully certified OH&S management system to simply having a one page OH&S policy. Councils have the right and ability to audit suppliers' OH&S policies and procedures at any time over the life of the contract, and in some instances, can also physically inspect worksites. Failure to have adequate OH&S policies in place will fail a tender application, regardless of the quality of the rest of the tender. Insurance All businesses should maintain the relevant and appropriate insurance cover. Councils usually require proof of public liability coverage, but additional policies may also be required. Insurance coverage is expected to be maintained throughout the duration of the contract or engagement, and documentation must be available to councils at all times. It's not just to create more paperwork, it's to protect the council, the community and the supplier if something goes wrong. Suppliers must also be careful to ensure that the entity covered by their insurance policies is actually the one contracting with council, rather than, for example, a trust. 10 Doing business with local government Quality assurance Community expectations of councils services have never been higher. As a result, suppliers to local government must have proper quality assurance processes and procedures in place. As always, the level of QA expected will depend on what is being delivered. The higher the value and risk, the greater the expectation. Of course, it goes without saying that suppliers must ensure that they are delivering what was asked for in the quote or tender specification, matching or exceeding the council requirements. Should anything go wrong or a problem arise, suppliers should also be able to show how they will fix any issues quickly and efficiently. QUESTION: Why do council decisions take so long? ANSWER: Well, it depends on the type of decision required. A decision to a award a quote, or place a direct order for low value items can be very quick indeed. But more important decisions, particularly where significant sums of money are involved, tend to take significantly longer. As an example, most tenders remain open for at least 21 days. And then, depending on the number of tendering suppliers and the nature of the tender, evaluations can take months to be completed by staff responsible for other council functions as well. And some tender recommendations have to be accepted by a formal meeting of the elected council, which are usually scheduled monthly. So timelines can stretch out, but it's important to take the time to get the decision right. Councils have to be very careful with public money. Doing business with local government 11 BONUS POINTS Councils will not base their choice of supplier on cost alone. The most important factor is the ability of the supplier to provide the product, service or work to the standard expected, as outlined in any tender specifications or quote. Price then becomes an important consideration, but only once the supplier is identified as having the skills and resources required. Some other factors include local economy support, environmental sustainability and social responsibility. Community driven goals To help support local businesses and the local economy, councils will try to direct business through local and regional partners. But they also have to balance other factors as well, such as price, so the relative importance given to community and social procurement goals will be outlined in the tender. Environment and sustainability Positive environmental outcomes are increasingly important to councils. All things being equal, suppliers offering green credentials and environmentally friendly practice will be more favourably considered. Some councils and particular tenders place more weight on environmental factors than others, but councils always look favourably upon suppliers who have: · A GREEN PRODUCT AND/OR SERVICE; · LOW ENVIRONMENTAL IMPACT; · RESPONSIBLE WASTE DISPOSAL; AND · SUSTAINABLE METHODS OF PRODUCTION/SERVICE. It is understandable that not all suppliers have formal environmental accreditation, especially smaller organisations. In many cases, showing a legitimate commitment to sustainability is a big step to winning council business. QUESTION: Is being a local supplier an advantage? ANSWER: Many councils, particularly in regional areas, prefer to buy local to support their community financially. But this is not the only consideration when choosing a supplier – if a 'non-local' supplier has a considerably more attractive quote, the council may decide the saved money and superior result is of greater value to the local community. 12 Doing business with local government Social procurement A fairly new area in procurement, councils are realising that they can use their buying power to generate positive social outcomes for their communities, on top of getting best value for goods and services. As a result, more and more, councils are expecting potential suppliers to show how they can help councils promote the economic and social wellbeing of their communities. As always, this expectation varies between councils, and often depends on the type of contract being tendered. Some examples of social procurement are: · EMPLOYING LOCAL WORKERS; · EMPLOYING ECONOMICALLY DISADVANTAGED & SOCIALLY MARGINALISED CONSTITUENTS; · USING LOCAL SUB-CONTRACTORS; · SPONSORING OR SUPPORTING COMMUNITY GROUPS OR SPORTING TEAMS; · USING LOCAL SUPPLIERS FOR MATERIALS; AND · SHOWING A COMMITMENT TO CORPORATE SOCIAL RESPONSIBILITY (e.g. treating employees fairly and respectfully). Technology There is a now a move away from traditional tendering methods towards electronic tendering. Many councils post tenders and any relevant tender documentation online. Interested suppliers can download the files and submit their tender responses on the website. Often, suppliers can also interact with the council via the online forum where they can post questions regarding the tender. QUICK TIP While a considerable amount of time and expense must be invested to fulfil the expectations of a tender, achieving these criteria will place you in a good position to secure the business on offer. It also provides the foundation to help you win business in other sectors too. Doing business with local government 13 FREQUENTLY ASKED QUESTIONS How do I find out about tender opportunities? There are a variety of ways to find out about upcoming tenders. If you are looking at doing business with a particular council, you should visit their website to view their upcoming tenders. Another way is to keep a look out for tender advertisements in the newspapers. Councils must publish tenders in newspapers so you don't need to worry that it might not be publicly advertised. Submission deadlines for tenders are strict. If a tender is submitted late, it will not be considered. So allow for any errors that may occur, human or technological, and submit tenders at least 24 hours before the deadline in the correct format. It is also important to be aware of any time differences and the effect of daylight savings so you do not submit at the incorrect time. When responding to a tender, ensure to answer all the requirements to the best of your ability. Tenders that fail to answer all requirements are listed as non-compliant, which severely limits your chances of success. I'm a small business – it looks difficult reaching some of these benchmarks... Don't be so sure. Councils don't expect everyone to have International Standard or best practice systems in place, especially small local businesses. So think about how your company or business is doing even the smallest things to address areas like corporate responsibility or risk management, or environmental factors. You gotta be in it to win it! Can I submit a non-compliant tender? Yes, but usually only if you also include a compliant tender as well. You may be able to provide a better model of service or product than what is being asked for, but you must address what is called for in the tender specification before you offer the alternative. 14 Doing business with local government How do I respond to a tender? Instructions for responding to a tender can be found in the tender documents. Who else can find out about my offer? Submissions are treated as confidential and any information submitted in a tender will not be distributed to external parties. Submissions will only be viewed by council staff responsible for evaluating and making decisions regarding the tender. Why do councils want me as a supplier? Councils want you as a supplier because competition provides better outcomes. Councils are always on the lookout for new and innovative suppliers who can help them improve. And for many councils, contributing to the local economy is considered an important function of local government. If my submission is unsuccessful, can I find out the tender results or obtain feedback on my submission? Some councils publish tender results on their council website, with varying degrees of detail. You can contact the council officer for further information regarding your submission. Doing business with local government 15 RESOURCES DPCD's Guide to Local Government DPCD's Procurement Best Practice Guideline Find your local council MAV Procurement About the MAV The Municipal Association of Victoria is the peak representative and advocacy body for Victoria's 79 councils. The MAV was formed in 1879 and the Municipal Association Act 1907 anointed the MAV the official voice of local government in Victoria. Today, the MAV is a driving and influential force behind a strong and strategically positioned local government sector. The MAV represents the best interests of local government, lobbies for a 'fairer deal' for councils and provides evidence based policy thinking. MAV Procurement is a not-for-profit division of the MAV, seeking to achieve superior procurement outcomes for local councils through aggregated demand management, capacity building and lobbying efforts. About local government Local government in Victoria is responsible for $6.2bn in annual revenue, manages $55bn in public assets, caters to the needs of 5.5m Victorian residents, and has a workforce of more than 42,000 employees, delivering over 100 diverse services. The 79 councils across Victoria are elected by the local community to represent their needs, and are expected to manage their affairs in a transparent way. As a result, local government is rightly held to high standards in the management of the public purse and to principles of good governance. Procurement is a key function to ensure that community needs and expectations are being met in an efficient and cost effective manner. QUICK TIP The Victorian State Government Department of Planning and Community Development (DPCD) has created a comprehensive guide regarding the issue of social procurement. To read further on this issue, visit the DPCD website.
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1939 CHEVROLET MASTER DELUXE 2 DOOR SEDAN. WELL DONE RELIABLE STREET ROD, 350-4 CHEV POWER WITH BLOCK HUGGER HEADERS AND ALLOY INTAKE HEI IGNITION,,... More
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1963 Chevrolet Corvair 95 Corvan, model R-1205, Bell Telephone panel van work truck. A rare, find. It is our intention to restore this truck... More
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subset: commoncrawl


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We've attended concerts, cultural, and sporting events here and have had a wonderful time at all events. Parking is easy and views of events are good.
An intimate venue that offers all the amenities of larger venues (including the $9.00 drinks) but without the claustrophobic-crowded-cattle herding experience.
Went to an Usher concert. It would be nice to have some signs to indicate where to go! I would not go back! When you go to the Pepsi center there is no doubt how to get to the parking and there is no doubt how to get out. It was very frustrating to get lost when there a bunch...
I have seen several concerts here, as well as a Cirque du Soleil show. I just don't like the acoustics. It always seems like no matter where you sit, the sound is a little "off".
This is a decent mid-size arena and the acoustics aren't half bad. The venue is clean with several convenient entries and exits. WSMFP!!!
The arena was very nice, but we were seated on regular fold out metal chairs. Not really what I expected since I paid $130 for my ticket. Very uncomfortable! The bathrooms were nice and clean. The bar prices were outrageous! Even a bottle of water was $4 and they don't let you take the cap with you. So, many people...
The parking garage is nearby - not connected, but across the street. There is always room. The venue itself is not so huge that you need binoculars! We have seen Carrie Underwood, a Cirque du Soleil show and several others things there and do not feel like we are lost in the crowd.
Love the suites at this place!! It sells the whole experience for me, will never go back to regular seating at this venue. It's not so fun navigating the lot as it's not a simple driveway, taking the bus is the best way as the bus stop is out front, closer to the doors and way less hassle.
Been here for several shows, some where I had tickets on the floor and some where I was in a suite. It's very clean and has a cool atmosphere. The seats are very comfortable and the suites adequately stocked. I typically prefer smaller venues when listening to music, like the Ogden or Bluebird, but I really like the 1stBank Center....
I'm not a fan of this venue in general simple because of the location. The drive can be a struggle and I have gotten lost both going and leaving. The signs aren't too helpful when it comes to taking the right road to and from.
As for the venue itself, it's a pretty average indoor arena. It is definitely smaller...
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To the Editor:
I was pleased to see in my most recent issue of The Smoky Mountain News that Dr. Doug Gates has joined Sylva Orthopedics. I worked with Doug over many years of his training in surgery and in orthopedics. He is a good doctor and a fine gentleman.
William G. Sullivan, MD
I've recently been seeing lots of posts like these on Carolina Birders' FaceBook page:
"… My pine siskins have departed, I am sad to say. I have not seen one in a week... It was such a pleasure having them in abundance, this year. I hope that they return, next winter!"


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I know general headcanon is that if Blaine gets slushied that Kurt is there to help clean it off, but I thought that if that isn't the case, I'd be okay with something along these lines, too. So here's a short little something for my Season 3 Wishlist.
So Curly has been here for a week now and I guess he's pretty cool. Anybody who can put up with Kurt that much gets massive props in my book. Plus, I've never seen him smile so much.
If you ask me, it's about time my boy Kurt got some. If the looks they share during Glee rehearsals are anything to go by, at least. I can spot sex-eyes from a mile away. Which is how I also know that Rachel still isn't giving it up to Finn—but that's a different story.
Speaking of Glee rehearsals, that's what brought me here—to the locker room. Here's the thing, Kurt is sort of a diva. And you wouldn't know it by looking at him, but Blaine is a little bit, too. Now I'm all for including him, but I'm here to set the record straight. Unfortunately, poor dude got his first slushie today and I figure it's the perfect opportunity to explain how things are gonna work.
Now I know what you're thinking but I'm totally cool with my sexuality. You'd have to be for some of those post-football-practice shower sessions. I'm all about the Alpha. Besides, it is mega difficult to get short-stuff on his own. If Kurt isn't hanging off his arm then Berry is following him around trying to convince him to sing male lead.
Come to think of it, maybe it's Finn who isn't giving it up. God, I'm glad I'm me.
Now, back to the task at hand. I've hung around here for a little bit and I think I've given him long enough to at least suds up so he can't run away or anything—past experience cornering dweebs still comes in handy.
I don't know what song he's singing but when I round the corner he's rocking out like it's the best song he's ever heard. I gotta give it to him—the boy has soul.
If I could escape and recreate a place that's my own world
And I could be your favorite girl forever, perfectly together
Now tell me boy now wouldn't that be sweet?
He's using a bottle of conditioner as a microphone but when he sees me he fumbles with it. Of course all I do is flash him one of my winning smiles.
"Hey there, Curly!" It's kind of comical how wide his eyes are as he attempts to cover up, using a loofah to hide his junk. "Don't worry dude, I'm not here to sneak a peek or anything. I'll leave that to Kurt." I give him a wink and oh, whoa, I didn't think it was possible but his eyes just got even wider.
"Noah!" he hisses at me, looking around helplessly. "What are you—?"
I hold a palm up, "Dude, I told you, call me Puck. Anyway, here's the skinny. I don't know how things worked over at Boy Scouts Emporium but here we're a team and we just got our Kurt back last year and we're not about to let him go again. So no hogging the limelight. We already have to deal with Rachel."
The whole time I'm talking he's just sort of blinking at me uncomfortably, still under the stream of water. "I—uh—Puck I understand and I—um—appreciate your concern but—" He gestures with his arm before realizing that it's the one that was holding the loofah and snaps it back. Man, I hope he's not panicking because the last thing I need is for him to pass out. I'm cool with all this but there's no way I'm doing mouth-to-mouth in the locker-room showers with a naked guy.
"Blaine! Calm down, dude. Chill," he gives me a wounded puppy sort of look so I figure I might as well make this quick and finish up. "Okay, look. We love Kurt and Kurt seems to really like you so stay on his good side and you'll stay on mine, got it?" Oh, good, he laughed at that before nodding. "Good." I flash him another smile.
Blaine seems to have finally found his words. "You guys really care about him, don't you?" He says it pretty calmly for somebody as naked as the day he was born.
"Yeah, man. Hard not to, you know?"
"Yeah, I know," Blaine says with another smile. Wow, Kurt sure does know how to pick 'em. Blaine is one heck of an upgrade from Finn. I mean, Finn's my bro but come on. One look at Blaine and it's pretty obvious he's sort of perfect for Kurt.
Man, I gotta stop letting Lauren make me watch those Twilight movies.
"All right, dude, remember what I said," I offer my hand out, hoping for a brotherly shake but Blaine just looks at it dubiously. "Ah, too much?"
"Um, yeah," he laughs. "And yes. I will. Can you like… no offense, but can you go now?"
I wave him off. As I leave the locker-room I can hear him singing again.
Come on let's bounce, counting on you to turn me around
Instead of clowning around, let's look for some common ground
So baby, times get a little crazy
I've been gettin' a little lazy, waitin' on you to come save me
I run into Kurt as I round the corner. "Hey, Kurt!" I greet him. Of course, I gotta do something to show him my approval so I clap him on the shoulder as he passes by, throwing me a confused look. The bell rings and yup, that's my cue to leave so I shove past him.
Hmm, I wonder what they're serving for lunch today. Man, I hope it's tots.


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Grammy Awards: Best Dressed
by Fashion
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Compared to other award shows, the Grammy Awards tends to bring out the funky side of stars. You never know what you're going to see. Five ladies in particular brought their fashion A game tonight. Black was a big color on the red carpet, but Taylor Swift, in Kaufman Franco, stood ahead of the black pack. On the lighter end of the spectrum was Katy Perry in her dreamy pink Basil Soda gown. And, speaking of funky, Jennifer Hudson's origami dress had me staring. Together, we determined the standouts, but who takes the cake?
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Read More 2009 Grammy Awards Poll2009 Grammy AwardsKaty PerryTaylor SwiftAudrina PatridgeRed CarpetJennifer HudsonCarrie UnderwoodCelebrityBest Dressed
Katy Perry
Jennifer Hudson
Carrie Underwood
Audrina Patridge
dancingonstarsxx 6 years
she`s gorgeous. i`m sorry, i can`t get over it.
dancingonstarsxx 6 years
taylor`s just stunning!
dancingonstarsxx 6 years
taylor`s just stunning!
lulu88 6 years
why is katy perry on both best AND worst dressed lists?
mod16 6 years
audriana by far
mod16 6 years
audriana by far
sharise09 6 years
i def. thing katy perry was the best dressed, i dont think ive ever seen her look so gorgeous. carrie i see got best dressed but i think the dress was a little too "old" looking on her, & it kinda makes her look a little pudgy, but shes still gorgeous! audrina couldve done without the side bun.. & jennifer looked O.K didnt like the top. but taylor swift always looks amazing. simple & elegant. shes one of my favorite.
la-dee-da-dee 6 years
I LOVED Katy Perry's Dress!
la-dee-da-dee 6 years
I LOVED Katy Perry's Dress!
Jess8902 6 years
Taylor is so freaking cute I want to hug her, so I choose her out of these, but Marissa Miller was my fave.
Sara-Rose 6 years
I love Jennifer Hudson's. It's classic and timeless but still edgy. After the year she had last year, she looks so amazing.
ashantixoxo 6 years
of all the dresses worm for the Grammies I loved Jennifer's only problem is I don't think it fits her...I mean dont stylists always say when you are heavy chested avoid anything that draws all the attention to your chest but to opt for V necks, 3/4 lenght sleeves and tucks that slim the waist and draw more attention to the waist instead...other than that I would so buy this dress.
ashantixoxo 6 years
of all the dresses worm for the Grammies I loved Jennifer's only problem is I don't think it fits her...I mean dont stylists always say when you are heavy chested avoid anything that draws all the attention to your chest but to opt for V necks, 3/4 lenght sleeves and tucks that slim the waist and draw more attention to the waist instead...other than that I would so buy this dress.
jenniferg 6 years
Jennifer Hudson all the way...it fits her perfectly and shows off her amazing curves, I like the three colours switching it up, and the design and the cut is different and unique...Carrie´s dress is the same old glittery/gold gown she always wears (and it doesn´t seem to fit her right around the waist/hips), the detailing on Taylor´s dress is interesting but the colour and the fit is boring and predictable, I love the colour of Audrina´s dress and the fit, but in this case it´s her boobs that are too distracting...and oh was there a 5th one? Ah yes, I choose to ignore Katy Perry at all costs, so won´t even be commenting on that one...
stellaroheight 6 years
Carrie's is gorgeous, but Katy's dress just blew me away. I love the extravagant details!
nashii 6 years
jennifer's dress is gorgeous, she makes her curves look better than they usually do.
rainbow-cadillac 6 years
I was disappointed this year. I had to go with Carrie for this one.
genesisrocks 6 years
Out of these choices Carrie.
genesisrocks 6 years
Out of these choices Carrie.
RockAndRepublic 6 years
You're right. I love me some M.I.A
kagreda123 6 years
MIA was obviously the best dressed one with her Blue dress. :)
kagreda123 6 years
MIA was obviously the best dressed one with her Blue dress. :)
meandtheo 6 years
um...i hate to say this but i think Paris Hilton looked the cutest and most appropriate for the grammys. her dress was super cute, her earring rocked and she looked young and hip. she still bugs but she nailed it this time
cnyc1a 6 years
I actually loved the way Jennifer Nettles looked and also Gwen Paltrow.
buggyslice 6 years
Taylor looks great!
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- If you were a Condé Nast intern, you need to read this — Racked
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All Experts
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- Alphabetical
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Sally Burningham
Sally Burningham, based in Vientiane, is the World Bank's Country Manager for Lao PDR.
Luis Constantino
Luis Constantino is a Portuguese Nationality has been with the World Bank since 1991. In January 2011, he was appointed as the Country manager of the World Bank Timor-Leste.
Christophe Crepin
Christophe Crepin is the sector leader of the social, environmental and rural development unit in the East Asia and Pacific region of the World Bank
Frederico Gil Sander
The World Bank's senior country economist for Malaysia since September 2011. He coordinates work programs between the Government of Malaysia and the World Bank, contributes to the analytical and advis... Show More +
Abhas Jha
Abhas Jha is Sector Manager for Transport, Urban and Disaster Risk Management for East Asia and the Pacific for the World Bank.
Axel van Trotsenburg
World Bank Group Reaffirms its Strong Support to Myanmar, May 16, 2014Economic Development a Triumph of Working People in East Asia Pacific, May 8, 2014East Asian Economies Expected to Grow at a Stabl... Show More +


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Mastabs - Skipton
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Been going for years also the one at Gargrave. it's the best we have been to also the staff are so polite and attentive make your meal and night special . Sue Swales
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BOOK ONLINE OFFER: CHATEAUBRIAND & CHATEAU BAUDUC: Enjoy a classic aged Chateaubriand steak served with pommes frites, Béarnaise sauce and paired with a wonderful bottle of Chateau Bauduc Bordeaux between two. Partially aged in French oak, this fruity medium bodied Merlot Cabernet-Sauvignon blend is the perfect accessible red to compliment a beef tenderloin fillet without overpowering the robust flavours. It adds earthiness with juicy notes of plum, beetroot and sage. £50 for two including a Chateaubriand and bottle of Chateau Bauduc. TERMS AND CONDITIONS Subject to availability. The offer cannot be used in conjunction with any other offer. Available until 31st March for lunch Monday to Saturday and dinner Sunday to Thursday. Not available at Hotel du Vin Glasgow or Wimbledon. Wine is a bottle of Chateau Bauduc Bordeaux between two. Click here to book.
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Looks like maybe Mr Jodee Trotter may join us in his new to him tj..,.
Welcome to your new addiction! I live in Lakewood. I have a 94 XJ, a 2000 WJ and a 2000 XJ. The two latter are driven by my kids. If it's coming from
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commenting for further reference.Red Langford 03-25-2015 09:22
It is a designated spot right on the river with a lot of space to hang and restroomsGallo Today, 17:13
Well, I finally got to test my equipment and see how it performed in colder weather. Over the winter I got a Hammock Gear 20 Incubator and I've been hopingcaptaincoupal Today, 17:00
They would be difficult to maneuver in small tight channels. Last time we did a lot of exploring however Mark did it in a large canoe.gastar Today, 16:58
If you do it again next year, I might have to take a Space-A flight to Ramstein AB for this.humer91 Today, 16:56
Item is paid for.Baby Huey Today, 16:52
What a pity too - I had you on my list.
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That's my intent also. See you there....2Questions Today, 16:50
This is a great read O.H. I've been wanting to get around that area ever since I learned about the Ouachita Mountains, but now I see I better get inFreedomVan Today, 16:49


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Countertop glass cabinet (like michelle16) is 18 inches too deep?
I love the countertop cabinets in michelle16's kitchen. I am getting 24" standard countertops. 4 drawers would be below and I'm wondering if the top cabinets which would start right on top of the counter and go almost to the ceiling for glasses, mugs and some pottery display should be 15" or 18" deep. I'm also debating 30 vs 24 wide (4 drawer base cabinet.) Is 18" too deep?
Hi Alexx- glad u like it, mine is 15 1/4 deep. I feel that is plenty. I think 18" might be too much. Might not be enough counter in front of it, to acheive the look.Unless you are going for a total hutch seperate furniture look, where this peice is by itself- and not paired with another -like mine, than in that case, I think 18" would be okay.
I wish I had room for two but right now,it's just one as the anchor end of a galley kitchen. We're opening up a wall and adding a wall of pantries but I think i'll miss the glass doors that I currently have and, love the look of these types of cabs--just don't want to give up practical storage space (at 18") but if 15 is enough and the counter showings nice then I'm good wi 15.
Michelle16--totally unrelated but what is the overhang on both your regular counters as well as the island where you have the turquoise chairs?
Breezy girl--also a beautiful cabinet. How wide is it? We're your cabinets custom or semi custom?
Thanks you both
Hi Alexx- the overhang on the island is i beleive 15". The counters are standard for inset which If i remember correctly is 1 inch. I think with an overlay door, you do more of an overhang to accommodate the cabinet door sticking out. I will measure, to make sure. Are you doing inset as well??
@michelle16: I think we are doing frameless overlay (not inset). I wonder what the minimum overhang is to still work for sitting???
@ breezygirl: thanks for the measurements--I'm thinking 24 or 27 wide; will need to think about how deep based on items and the counterspace needed.
@1929spanish: THANK YOU for your photos, that helps me compare the counterspace difference to breezygirl.
Happy Thanksgiving everyone.
@michelle16: I think we are doing frameless overlay (not inset). I wonder what the minimum overhang is to still work for sitting???
@ breezygirl: thanks for the measurements--I'm thinking 24 or 27 wide; will need to think about how deep based on items and the counterspace needed.
@1929spanish: THANK YOU for your photos, that helps me compare the counterspace difference to breezygirl.
Happy Thanksgiving everyone.
Here's what Buehl writes about counter overhang for seating:
"The National Kitchen & Bath Association (NKBA) recommends a minimum seating overhang (clear space) of:
Table-height seating (30" high): 18" overhang
Counter-height seating (36" high): 15" overhang
Bar-height seating (42" high): 12" overhang
From personal experience, I think these are excellent recommendations. I have sat at 12" overhangs at counter-height and found them too shallow. We have 15" and it's OK, but my DH would have liked 18". We have friends w/a 12" counter-height overhang and I find it uncomfortable to sit at for any length of time. I have to sit sideways or "straddle" the peninsula or sit far from the counter edge. None of those is comfortable. My DH won't sit at it at all b/c he finds it much too uncomfortable. (I'm 5'10" & my DH is 6'5".)"
My overhang is 17", and I find that to be almost perfect. Like Buehl, I'm not comfortable with 12". As an tall-ish adult, I can sit for extended periods of time at our counter stools with ease.
I am 5'3" but with long legs for someone my height ... We have 15" counter height overhang and I find it very comfortable. My knees are nowhere near the back and do not hit the corbels either. Anything over 10" (I think) needs support under the granite, whether that be corbels, or other type of support. We do use backless stools however, which may make a difference. Our KD (or our granite guy?) tried to convince us to use less, but I insisted on 15" overhang based on the excellent information I received here.
I am admiring all of the glass cabs in this thread, BUT I am wondering why most of you have opted out of interior lighting and glass shelves....
My cabinet is about function - dish storage, not display. The photo you see was taken while we were waiting for two additional shelves and had stuff crammed in there.
We happen to have dishes we like to show, but cabinets weren't lighted in the 20's, and we didn't think it was necessary to light them now. That whole wall plus the two small cabinets on either side of the sink are glass.
I plan to use glass that is textured and obscures the contents of the cab. The cabinet that will serve as a bar will have retractable "pocket" doors and a mirrored back. Glass shelves are appropriate for this application because solid shelves would not allow the light to illuminate the cab from top to bottom.
Wy didn't I do lighting and glass shelves in my hutch?
I was my own GC on a whole house reno, dealing with some difficult subs, have two young children and a DH who works long hours and travels very often, and was helping my Dad through prostate cancer surgery and radiation. I was a bit overwhelmed. When I changed the layout of the rooms in the main part of the house, including moving the kitchen, halfway through the reno, I was just happy to have a dish hutch in the new kitchen space!
The lighting plan for the house was a major thorn in my side. I didn't know what to put where and struggled for some time with it. Learning how to light a large cabinet with shelves seemed just too much for my stuffed and stressed out brain. I knew it was expensive and complicated to do so. I was already over budget on so many items and decided that lighting the cab wasn't a priority.
Like 1929Spanish, I knew this cab would be functional for storage not for pretty display. Besides, I'm not sure how all the dishes and glass would look lit. I don't think I'd like it much. Why highlight my boring stuff? My kitchen isn't about sparkly, shiny, glam areas everywhere you look.
Sorry for the long explanation! HTH!


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Merrill Lynch Financial Analyst Interview Questions
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Financial Analyst Interview
I applied through an employee referral – interviewed at Merrill Lynch.
I exchanged emails with VP and he decided to give me a phone interview. Interview was about 45 mi and was very casual. He was curious to see if I would be a good fit for the company.
- Walk me through your resume and what valuation method do you use to analyze companies? View Answer
Other Interview Reviews for Merrill Lynch
Financial Analyst InterviewApplication Details
I applied through college or university – interviewed at Merrill Lynch.Interview Details
The interview process was not that difficult they asked more about my past experience and my project work which i have done so far?
They also asked about different ways of investing money in market and why is it important to do that?Interview Questions
No OfferNegative ExperienceAverage Interview
- Why you want to apply for a Bank? Answer Question
Financial Analyst InterviewInterview Details
Three interviewers were in one room, asking one by one. They introduced themselves as associates and vice presidents. First start off by 'walk me through your resume' and then asking questions that are relevant to your resume. For example, 'why did you work at company A?' and 'how did you like it?'Interview Questions
No Offer
- Do a DCF for me Answer Question
Financial Analyst InterviewInterview Details
Interviewer was very serious. Asked a lot of good questions.Interview Questions
No Offer
- No unexpected question. Answer Question
Financial Analyst InterviewApplication Details
I applied through college or university. The process took 2 days – interviewed at Merrill Lynch in October 2011.Interview Details
I applied online fall of last year and was just about to give up on this. Then one day late January, I got a phone call asking if I was still interested. I said yes and scheduled a first round interview.Interview Questions
Accepted OfferPositive ExperienceAverage Interview
- Tell me about a difficult project you worked on and how did you go about it resolving it Answer Question
- Talk about a time when you worked in a group, what was your role? Answer Question
Financial Analyst InterviewApplication Details
The process took 2+ weeks – interviewed at Merrill Lynch in May 2011.Interview Details
I applied through a contact and was pushed through quickly. I was excited at the position as I had just graduated from college. I had to take a math test prior to the interview and the test involved math (decimals) with no calculator. The test also had economics questions in it. There were also a few formula questions. The test was challenging if you are bad at math.
The interview was situational. Do not say you are a team player they do not like that because that is why I wasn't offered a job. They want you to be about yourself and not worry about anyone else. SELL SELL SELL.
They also asked a question about a man that came called in and was trying to sell all of his stocks etc. Then they asked what advice would I give him. There wasn't much background and unfortunately, I guess i asked too many questions. Was the man married? Children? I suggest that you just answer the question.Interview Questions
No OfferPositive ExperienceAverage Interview
- What would you do if someone called in and was trying to sell all of his stocks. View Answer
Financial Analyst InterviewApplication Details
I applied through college or university. The process took 4 days – interviewed at Merrill Lynch in June 2008.Interview Details
Initial interview took place on my college campus and lasted 30 minutes. I was then invited to join 3 executives, 3 financial analyst and 5 other interviewees for dinner at a restaurant downtown. The next morning I had to attend on-site interviews at Merrill. They consisted of 4 one-on-one interviews and one panel interview. I had to come back one more time to interview with 2 more people that did not have a chance to meet me. Two weeks later I received a call that I got the job. Phewwwww.Interview Questions
Negotiation DetailsI did not negotiate because it was my first job out of college and I received an offer heigher than I expected. I should have though. I would have asked for a few thousand more if I could do it again. All your raises and future salaries will be given in percentage increases. So the heigher your first job out of college the heigher will be all the subsequent raises.Accepted OfferPositive ExperienceDifficult Interview
- How many oranges do you think are consumed in the US over a period of one year. Answer Question
- How many miles do you think Detroit is from LA. Answer Question
Financial Analyst InterviewApplication Details
interviewed at Merrill Lynch in October 2013.Interview Details
7 interviews ranging from Analyst to MD. Discussed motivation, prior deals and interesting investments. CF knowledge tested through a number of theoretical and practical case studies. A number of market sizing / brainteasers were also asked. Prior experience was thoroughly questioned. This included all aspects of financial analyses through professional experience but also wrt academic prior knowledge.No OfferNeutral ExperienceDifficult Interview
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Tampa RV Park (formerly Camp Nebraska)
Tampa, Florida
Phone: (813) 971-3460
Visit Campground Website
Sites: 70
Recent Rate: $30 3/2009
Latitude: 28.0436239005255
Longitude: -82.4532508850098
These reviews are the opinion of an RVParkReviews' member and not the views of RVParkReviews.com
Date of Stay: March, 2009 - $30.00
This park was scary. Its in a really old, bad part of town. I wasn't comfortable walking around in the park, and absolutely wasn't comfortable in the neighborhood. The park is the closest to Busch Gardens, but I would rather stay somewhere farther away that is nicer. Most of the residents are full-time permanent, in trailers that are no longer mobile. The park was noisy at night, with some pretty loud late parties, and a fight. The owner is hard of hearing, so this doesn't bother him. I wouldn't stay there again. The lots are level, and of good size. We camped at Tampa RV Park (formerly Camp Nebraska) in a Fifth Wheel.Undo
Date of Stay: September, 2006 - $30.00
This is the "closest" park to Busch Gardens. It is on Nebraska Ave, hence the name. Stayed here for one month. Campground is mostly permanent residents, living in barely mobile units. The hosts were extremely rude on the few times I had to deal with them. The Manager is only there a few times a week, and albeit a nice guy had no intentions of improvements. The park is actually behind the "old" entrance and set off Bougainvillea Ave. The "cool" old part is listed as for sale. The neighborhood this park is in is NOT good. We were afraid to walk around even in the daytime. There is no enforcement of a speed limit in the park, and the perms think they run the place. overall this is the last place in Tampa I would ever stay again. We camped at Tampa RV Park (formerly Camp Nebraska) in a Motorhome.Undo
10 Ratings
Thonotosassa, Florida
22 Ratings
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5 Ratings
Palm Harbor, Florida
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put in different starter still wont turn over
Pickup (D21)
1997 Nissan Pickup (D21)
Nissan Q&AAsk Your Question
1997 Nissan Pickup (D21) Question: truck wont start
Answer #1A+ Japanese Auto Repair Inc (35 Answers) , San Carlos, CA - (650) 204-3032Eric Sevim October 12, 2010, 14:42Technician
Check to see if you have signal coming to the starter signal wire (the smaller of the two going to starter). Then check the starter signal fuse. There is also a starter relay in the mix but that would probably be the last place to look.
Ignition key cylinders on these cars are known to cause issues. We have changed quite a few of them at our shop after testing them.
Answer #2Visitor, December 16, 2010, 21:28
Fusable link? Can be blown out by a short.
Best Answer
Visitor, March 18, 2011, 05:43
Hi. I have a 1993 nissan d21 pickup. I got it in 1993. The only problem I have EVER had with this truck is a NOT STARTING ISSUE. My issue of not starting was when I turned the key I got a click. The motor did not turn over, only a click. Solution for me was a 20 dollar relay switch. It is a little blue relay on the passenger side of the inside fender. This worked for me. Hope this helps...
Replynick_sooner, November 03, 2014, 13:28Rookie
when you are talking about these relay switches are you referring to the ones under the hood or can you be more specific? Im having the same issue my truck sputtered out on me and died and now when i turn the key i get a single click and nothing more. im hoping i can fix mine as easy as you did yours. Thank you
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How do you get the rest to join our support of Ron Paul?
Submitted by Mark Twain on Sun, 08/14/2011 - 13:26. Permalink
That is the question. "Whether tis nobler to suffer the slings and arrows of misfortune..." or join us in righting our ship of state?
If that is not enough, have the political time of your life!
Daily Paul - Discussing the time of Ron Paul
Disclaimer: Mark Twain (1835-1910-To be continued) is unlicensed. His river pilot's license went delinquent in 1862. Caution advised. Daily Paul ☑
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Crash Near Holmen Kills Two Young Men
We're learning more about the rollover crash that killed two young men near Holmen...
Sheriff's officers heard about the accident at around 6 o'clock this morning, but it may have happened during the night. The passenger was thrown from the car, while the driver was pinned inside. Both men were 21, and sources indicate they were recent graduates of Holmen High School. The car went off County Highway X-X and rolled into a field.
Last-Minute Doctor's Report Leads To Delay Of Stanley Hearing
One more delay for Bryan Stanley...
The commitment hearing for the man who killed three people at an Onalaska church has been delayed until next month, because of information received by Stanley's lawyer on short notice. Attorney Tom Hayes says he got a doctor's report on Stanley late yesterday afternoon, and he has not had time to review the report with his client. Stanley was sent back to the Mendota hospital last month after experiencing 'anxiety.' He has been living in the area for three years, after spending more than 20 years in the state hospital because of the church murders.
Miller Says Casino Money Needed For New Stadium
No more casinos no matter how much money they bring in. That's the sediment of some Minnesota lawmakers who are trying to get a bill passed to build a new Vikings stadium. Winona Republican Senator Jeremy Miller says a proposal he is working on with the White Earth Tribe would do just that.....give the state money......$400 million worth. In exchange for a casino.
It will take 68 votes in the House and 34 in the Senate to pass a Vikings bill. But the plan probably needs at least a few more than the bare minimum so no one could be cast as the deciding vote come campaign season.
Two Reported Dead In Holmen Rollover
A fatal crash is being investigated near Holmen this morning.
The sheriff's department tells us the accident on La Crosse County Road X-X was reported around 6 a-m. They have not confirmed any deaths in the crash.
La Crosse County Nearly the Best in Unemployment Rate
La Crosse county has climbed back into the state's number two position for unemployment rates. The state's Department of Workforce Development measures La Crosse county's unemployment rate for March at 5.6%. That's four tenths of a percent lower than the month before and seven tenths lower than March of last year. That puts the county just behind Dane county with the lowest unemployment rate in the state. The state says the La Crosse metro area has managed to add just four hundred jobs since March of last year. The state as a whole has shed nearly 24 thousand jobs in the same time period.


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San Francisco, CAPart-time Company Description Smaato is the leading global mobile RTB ad exchange (SMX) helping mobile app developers and publishers increase ad revenues worldwide. As an industry pioneer and leader, Smaato operates the leading mobile RTB ad exchange and Supply2/23/2015 San Francisco, CA Save This Job
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- March 22: Government Investigates Recall of 1 Million Nissan Vehicles
- March 6: Nissan Recalls 625,000 Altimas With Hoods That Could Fly Open
- February 11: Nissan Steering Problems Cause Recall of 17,000 Vehicles
- January 31: Nissan Recalls 639,000 Pathfinders, Rogues and Infiniti QX60 Vehicles
- January 22: Nissan Recalls 3 Models For Braking and Steering Problems
2008 Nissan Altima
electrical Problems
Worst 2008 Altima electrical Problems
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- brake switch & sub harness shorted out4
- battery drained3
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What is ASCA?
The Australian Specialty Coffee Association (ASCA) is a not-for-profit, whole-of-industry association dedi- cated to promoting and growing the specialty coffee industry in Australia. Founded in 2001 by a group of passionate coffee professionals, ASCA holds coffee events around the country. This ranges from casual smackdowns, to official state competitions that feed into the Australian Barista Championship, Latte Art Championship, Coffee in Good Spirits Championship, Cup Tasting Championship and Brewers Cup. The winners of these competitions then travel internationally to represent Australian coffee talent on the world stage.
Why Join Asca?
If you are a coffee professional, barista, cafe owner, coffee roaster, or even just a passionate coffee lover, joining ASCA puts you in touch with the leading edge of the Australian industry. CLICK HERE to find out more about joining today!Join ASCA
Special General Meeting notes - plans for 2015
On 13 March 2015, ASCA President Brent Williams presented the following note..
Congratulations to our new 2015 Champions!
A big congratulations to everyone who took part in the 2015 Australia Coffee..
Check out Coffee March, a new initiative launching next month!
ASCA is proud to announce its support towards www.coffeemarch.org (http://w..
What ASCA is doing at MICE2015: Competition details and more
The Australian Specialty Coffee Association (ASCA) has a great line-up of ac..
ASCA to launch new logo at MICE2015
The Australian Specialty Coffee Association (ASCA) is proud to release its n..
Judges and Open Heats Registration for 2015 ASCA National Coffee Championships
Registration is now open to judge at the 2015 Australian Coffee Ch..


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The Helena, Mont., diocese wants to move ahead with a victim-compensation plan, Cache is looking for a buyer, and Revel wants approval of a settlement. Read More »
Feb 27, 2015
The Helena, Mont., diocese wants to move ahead with a victim-compensation plan, Cache is looking for a buyer, and Revel wants approval of a settlement. Read More »
Lawyers who sold the Girls Gone Wild porn empire out of bankruptcy are accusing founder Joe Francis of illegally spending the company's cash on the palatial estate he built near Puerto Vallarta, Mexico. Read More »
Standard General is leading bidding for RadioShack, the Supreme Court heard arguments about whether Asarco needs to pay Baker Botts $5 million, and auto-parts supplier Chassix is negotiating a prearranged bankruptcy. Read More »
NII Holdings Inc.'s Nextel Mexico sale to AT&T Inc. cleared a key milestone, Atlantic City's budget is shrinking, and Delphi is selling one of its businesses. Read More »
Utah gun manufacturer Vector Arms, locked in a three-year legal battle with convicted felon Ralph Merrill, has filed for bankruptcy. Read More »
Coming and Going Concerns: Emanuel Grillo, Marc S. Kirschner, Mette Kurth and Jennifer Marines Read More »
A judge has harsh words for Caesars Entertainment, Trump Entertainment creditors want to sue Carl Icahn, and Lehman's trustee wants to pay out $2.2 billion. Read More »
A Los Angeles jury awarded Sly Stone $5 million this week in a royalty dispute that precipitated the 2013 bankruptcy filing of businesses owned by the funk legend's estranged manager. Read More »
Teen retailer Wet Seal filed for bankruptcy, struggling RadioShack Corp. has delayed January rent payments on some stores and a Chicago judge approved requests from casino giant Caesars Entertainment Corp. that will enable its gambling facilities to operate normally during the case. Read More »
John Mayer may want to pen a heartfelt farewell to the $160,000 he was supposed got get for the sale of his
rare Dumble guitar amp. Read More »
From Dow Jones Daily Bankruptcy Review, exclusive coverage of corporate bankruptcies, companies headed for trouble and the latest trends in bankruptcy law, distressed investing and corporate restructuring. Lead writer Pat Fitzgerald and Daily Bankruptcy Review reporters in Washington, New York and Wilmington, Del., provide insight into the big cases, who's next to fall and what's making news across the bankruptcy market.


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East shore OTL residence vandalizedPublished 9:23am Wednesday, December 5, 2012 Updated 11:29am Wednesday, December 5, 2012
A residence on the east side of Otter Tail Lake allegedly had a window broken out with a landscape block.
This is the second report of a window being broken on Clearmont Road in the last two days. The vandalism allegedly occurred sometime between mid-October and Dec. 3.
Nothing was reported missing, but the window was valued at $400.
In the other report on Clearmont Road, about $5,000 worth of property was allegedly taken.


text: Oops! Did I Put That In Park? [Video] By Chelsea June 15, 2012 12:26 PM Share on Facebook Share on Twitter This woman's day goes from bad to worst! Check out this video. She's pulling into the parking garage then hits everything in sight it seems like it. EPIC FAIL! Happy Friday! be careful out there! Filed Under: Epic Fail Category: Videos Share on Facebook Share on Twitter More Leave a comment Send to a friend! Print this page Pin it! Reddit This! Share on Tumblr! Best of 103GBF Recommended For You Around the Web


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Woman dies after collision in Land Park, Sacramento police say
Sacramento police are investigating a fatal collision that occurred in Land Park this morning.
The driver of one car, a woman in her 60s, died after being transported to a local hospital. A passenger in her car also was transported to the hospital, as well as the driver of the other car, a man in his 50s, said police spokesman Officer Doug Morse. That driver has serious injuries, he said.
The collision occurred shortly before 11 a.m. The surviving driver was traveling northbound on Riverside Boulevard when his Mercedes-Benz collided with a Toyota sedan near 4th Avenue, Morse said.
Morse said the driver of the Mercedes was travelling at a high rate of speed. It is not yet known whether alcohol was a factor, he said.
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Wow, I've been brewing sours intensely for almost a year and haven't brewed a lambic yet, somehow!
Changing that today! My homemade pilsner malt, flaked wheat (25%, more to my tastes), and a little pale crystal. Mashing as we speak
Anyone else brewing funky beer for National Homebrew Day?
Check out my blog! Lambic brewday!Fathom Brewing
I did yesterday, close enough right?
Going through life is hard.
Going through life stupid is harder.
I brewed my first sour on Big Brew: pale malt and white wheat malt (~40%) with Roeselare and assorted dregs to come. The ale yeast is already working strong.
My club did a 50 gallon Turbid mashed Lambic, I've been brewing with funk for 2 years and had never done a Turbid mash. I learned alot but it was a bitch. Looking forward to next year when we rack.
We used a big pitch of Bugfarm 6.
Twitter: @ecoffy
Instagram: @ed_coffey


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Kim Henderson
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Canyon not so wide, after all
The emotion surprised me, the one that had us feeling like foreigners in our own national parks. It was a recognition that hit us early ... Read more
Westward ho and here we go
My son tells me we are above Kansas as I finish off the last of the chicken nuggets. Since they (the nuggets) were obtained at ... Read more
A letter: Dear men of mine
In spite of what the thermometer may say to the contrary, the calendar says summer wrapped up yesterday, and at our house it has been ... Read more
Mt. Zion mission remains the same
Bittersweet. That's how Jan Williams describes the service last Sunday – the very last one – in the red brick sanctuary of Brookhaven's Mt. Zion ... Read more


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It seems that Hollywood is starting to catch on to what many viewers already know: Some of the best shows on TV are not on a network; they're streaming over your internet connection. Shows such as House of Cards and Orange Is the New Black from Netflix have been capturing people's imagination for years, although major awards have often eluded them. But in the first months of 2015, one announcement after another pointed toward a sort of streaming content renaissance.
Sue Marquette Poremba
Sep 01, 2008
It's a rare week when the news doesn't include a report about a corporate data breach—putting personal, financial, or medical records at risk for theft. Often—all too often, say security experts—these breaches are caused by a lack of a solid email policy.
However, despite the clear security risks, an Osterman Research survey found that 86% of companies do not have a tool in place to address email usage, a practice that, according to Avivah Litan, VP and distinguished analyst at Gartner, Inc., needs to be rectified. "Email accounts are often compromised." She points out that email should not be used as a secondary channel (e.g., in addition to the web or a call center) to convey sensitive information such as example passwords or secret questions and answers used to log into an account.
There are three reasons a company should put an email policy in place, according to Litan:
Yet an alarming amount of risky email still gets sent. According to a survey commissioned by Proofpoint, Inc. and fielded by Forrester Consulting, one out of 10 outbound emails poses a risk for organizations, whether legal, financial, or regulatory. In addition, only half of the email that should be encrypted actually is.
While 30% of the risky email being sent involves obscene or other potentially offensive comments, more than half contain confidential information, ranging from company secrets to a customer's financial data


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Girls basketball: BBE thrashes Wheaton/HN in Section 6A-North play
BELGRADE — Becca Gruber scored 20 points and eight other Jaguars scored Monday as Belgrade-Brooten-Elrosa overwhelmed Wheaton/Herman-Norcross 72-30 in a play-in game for the Section 6A-South playoffs.
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Scanning electron micrograph of Mycobacterium tuberculosis (MTB) is a pathogenic bacterial species in the genus Mycobacterium and the causative agent of most cases of tuberculosis (TB). First discovered in 1882 by Robert Koch, M. tuberculosis has an unusual, waxy coating on its cell surface (primarily mycolic acid), which makes the cells impervious to Gram staining, so acid-fast detection techniques are used, instead. The physiology of M. tuberculosis is highly aerobic and requires high levels of oxygen. Primarily a pathogen of the mammalian respiratory system, MTB infects the lungs. The M. tuberculosis genome was sequenced in 1998.
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Sunday, March 29, 2015
Zombie Apocalypse
Are you scared yet...LOL... Here we are Sunday night already....where did the weekend go??? Crazy how we get to the weekend and it's over in the blink of an eye.. Seeing that it's Sunday night and the season finale of the Walking Dead, I wanted to share with you, my card for this weeks Stampotique Challenge. This weeks Hostess is Nellie van Leeuwen and here is what she has to say:
"What's your favorite technique to make backgrounds? I love making backgrounds with distress ink on a craft sheet. I use distress ink, memento, brusho's, distress stains, whatever I feel like working with. Quick and easy and a different and surprising result every time."
This was a super fun challenge for me, as creating backgrounds for my projects is my favorite part of creating. Currently, my favorite background technique is creating with acrylic paint. I used to be petrified of using paint, but once I embraced the medium, I haven't stopped using it.
For this weeks project I used cheap acrylic paint (0.33 cents a bottle) from AC Moore, and painted the base black and layer with color. I then used a wet paper towel and dabbed of the paint, which brought some of the black through the layers. I used Penelope, who completed my zombie themed project. I would love for you to come and join us for this week background challenge and a chance to win free product. Thank you for stopping by and I hope to see you over at Stampotique !
Posted by Kristen at 10:32 PM 0 comments
Tuesday, March 24, 2015
You Shine Brighter Than Neon!
Happy Tuesday! I hope you enjoyed your weekend. Life has been crazy busy this past week. I just started a new class towards my Bachelors and as always, I feel as though I never have enough time for anything. So, I am running a bit late on this weeks challenge over at Stampotique Originals, but i managed to squeak in before the deadline. This weeks challenge hostess is Astrid Stulemeijer and here is what she has to say about this weeks challenge.
"At first I was a bit afraid of these intense colors, but after using them, I really love them. They give your work such a nice "pop". I challenge you to use at least one neon color. Can't wait to see your eye popping work!"
I decided to make a small journal piece, using Kate Crane's Bunny Boy, and splatter Blob for my background, which I did with acrylic paint. I hope you will check out our new challenge tomorrow and come play.
Posted by Kristen at 6:07 PM 0 comments
Tuesday, March 17, 2015
Going Grey With Scrap-Creations Challenge: Pastels
Stampotiques new stamps: Queen of Everything, and Crowd . I will admit that I had a rough start on this page, as I had no idea what I was doing, but it worked out, and I used PASTELS :)
Last weeks "green" challenge entries were fantastic, and as always it was hard to choose....The TOP 3 last week were:
Feast your eyes on the DT's amazing"Pastel" projects!
Last weeks "green" challenge entries were fantastic, and as always it was hard to choose....The TOP 3 last week were:
Fabulous cards ladies Please feel free to grab the "I made TOP 3" banner on the right of my blog!
Weren't those fabulous? Don't be afraid to head to their blogs and leave them a little love. You will have 2 weeks on Monday @ 6pm to get your card in for the challenge. We only allow 2 entry's per person. Also, we have new Blog Badges, please feel free to take one and post on your blog. I will be picking the top 3 in 2 weeks, and I will award 3 people with the new top 3 badge! When posting to a gallery's, please use the key words GGSC198...Have a great day and happy creating
Posted by Kristen at 1:00 AM 4 comments
Wednesday, March 11, 2015
Happy Wednesday!!!! I hope you are having a great week this far. The time change has me all messed up this week I have been late with everything I do. Dang time change! Anyway, I managed to get this weeks challenge completed. This weeks challenge over at Stampotique Originals is being hosted by sue and Carol, and here is what Carol has to say "stars, use one star or more on your project."
For this weeks challenge, I decided to use stars in my background, I had bigger hopes for this journal page, but oh well. I inked the background with Dylusions sprays and then used paint to make the stars. I used the following stamps in my project:
I hope you will hop on over to STampotique Originals and join us for this weeks challenge and a chance to win free product!
Posted by Kristen at 1:19 AM 6 comments
Friday, March 6, 2015
Follow your heart!
Wahoo...It's Friday...this week as been CRAZY busy!!! I pulled 3 ten hours day, which wouldn't be bad, if we didn't also have hockey, dance, gymnastics, school, oh yeah, family, house, and dogs....anyway, it's Friday and I am OFF....whoop, whoop...Today I would like to share with you a journal page I made for this weeks Stampotique originals challenge, which is hosted by Jackie Payne, and here is what she had to say: "Numbers have been around for a very long time! They feature so much in our lives! I would like you to incorporate a minimum of one number into your project! I hope you have fun."
I was excited about this challenge, but had to push myself, as I had no idea what I was going to make. I found some numbered patterned paper, and wanted to use it in my project, so I ended up painting the paper, and then painting it again, and using it on my top and bottom borders. I also couldn't wait to play with Kate Cranes new stamp Boots, which I used in my project and once I started working, I decided I wanted to give boots some wings, and I used the wings from one of Kate's other stamps: Kate's angel. I drew the cloud, and bam...journal page complete!!! This weeks number challenge is super fun adn I hope you will join us over at Stampotique Originals! Have a great weekend.
Posted by Kristen at 1:07 PM 2 comments
Tuesday, March 3, 2015
Going Grey With Scrap-Creations: Lets see some Green
Happy Tuesday!!! I hope you enjoyed your weekend. This week, we have a great challenge for you.....This week, we want to see your GREEN! Continuing with my art journal, I chose to make a green background, and add this super cute owl I made in one of Kate Cranes on-line classes, and since I have "pinned" a million sayings over at pinterest, I figured I bet getting using those as well. That way I can justify my time on pinterest as useful...LOL.... So, lets see your green!!!
Last weeks BINGO creations were awesome!!! You are all so creative....narrowing down the top 3 was definitely a difficult task, but I somehow managed....so...drum roll please.......Last weeks TOP 3 are......
Suzi Mac
Fabulous cards ladies Please feel free to grab the "I made TOP 3" banner on the right of my blog!
Weren't those fabulous? Don't be afraid to head to their blogs and leave them a little love. You will have 2 weeks on Monday @ 6pm to get your card in for the challenge. We only allow 2 entry's per person. Also, we have new Blog Badges, please feel free to take one and post on your blog. I will be picking the top 3 in 2 weeks, and I will award 3 people with the new top 3 badge! When posting to a gallery's, please use the key words GGSC197...Have a great day and happy creating
Posted by Kristen at 5:20 PM 5 comments
Wednesday, February 25, 2015
Stampotique designers challenge
Wednesdays equal Stamopotique challenge, and our for this weeks challenge is KAZ, and here is what Kaz has to say "bring me sunshine". Like Kaz, I am, also sick and tired of this crappy, cold weather. So my project this
week .is a journal; page, of a sunny flower shop. It looks springy. right? I got a chance to use some of the new stamps
Stamps used
1. Flower shop
2. Bushes
3. Daisy, daisy
4. Grow Your dreams
I hope you enjoy mu journal page. Don't forget to come play in this weeks challenge, as you may get a chance at winning new product!
Posted by Kristen at 12:00 AM 4 comments
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Premier Wade MacLauchlan and Community Services and Seniors Minister Valerie E. Docherty announced additional funding for 15 community organizations that support Islanders in need.
Staff at local public libraries are offering assistance to shellfishers who may not have access to a computer at home, or have had little experience filling out online applications.
A new electricity connection to the mainland, the largest and most important infrastructure project for Prince Edward Island since the Confederation Bridge, will ensure the provinces future energy needs can be met and protect Islanders against the risk of volatile rate increases associated with the existing aging cables.
The Premiers Economic Forum provided an overview of the Island economy and explored our current successes and future opportunities as a trading province.
Skiers and snowboarders will have an extra week on the hills and trails this winter thanks to the abundant snow.
March 27, 2015
March 27, 2015
March 26, 2015
March 26, 2015
March 26, 2015


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Enter a Twitter username. Seriously, it's that easy.
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