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Home » News » Politics » Candidate Debates
World Refugee Day allows opportunity to share tales of past and visions for future
Burundi drummers from the Burundi Association of NH march to the front of the State House during the World Refugee Day celebration held at the State House on Thursday. (Thomas Roy/Union Leader)
It was World Refugee Day and members of New Hampshire's varied and growing refugee population gathered on the Statehouse steps, sharing stories of their new lives in the Granite State while contributing a cultural taste of music and dance from their former homelands.
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Black Label Society goes 'UnBlackened' at the Casino Ballroom
NH Club Briefs: Bedford student wins French oratorical contest
Bobby Long brainstorms trip back to acoustic roots
Tom Chapin is talking numbers: specifically, '70'
NH Club Notes: Danbury Grange to host benefit for fire victim


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TRANS2TECH European Commission 6th Framework Programme Call for papers - template Driving Innovation from Science to Business How customized marketing practices can help universities and PROs to get their research to market? European Trans2Tech Conference March 6, 2008 Aix en Provence – France Title Key words Max 5 keywords that capture the contents of your paper Region, country Abstract Authors Identity, job title, affiliation, email Context Describe the political and strategic context or opportunity for your practice, the motivation, objectives Description Describe the methodology, tools, process, etc., design and implementation of the approach, obstacles in terms of design or implementation Results Results, benefits, impact, advantages/disadvantages, bottlenecks, lessons learnt, key success factors, recommendations, perspectives, sustainability, requirements for transferability Materials, tools, publications available Organised by In partnership with Within the framework of Trans2tech project supported by the European Commission European Commission 1/2 TRANS2TECH European Commission 6th Framework Programme Contact Title / First name / LAST NAME Job title Organisation Address Phone Email Design Papers to be considered for the catalogue must include maximum of three pages of text. Authors must use the provided template. Joint presentations by technology suppliers (TTO) and technology users (enterprise, VC) will be look at favourably. Language: English Submission Authors are invited to submit electronically to : firstname.lastname@example.com All authors will receive an e-mail acknowledgement regarding receipt of their papers. Deadline for the submission of abstracts is January 31, 2008. Contact: Mathioda COATANHAY Méditerranée Technologies email@example.com Tel: +33 (0)4 91 14 05 68 Organised by In partnership with Within the framework of Trans2tech project supported by the European Commission European Commission 2/2
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"Call for papers Template - CALL FOR PAPERS"Please download to view full document

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BackgroundMoonBase Commander puts players in charge of their own lunar territory in a quest to build the most powerful empire on the moon. The key to winning is to find, exploit and use valuable energy pools to eliminate rival factions who are also on the same quest. Along the way players must choose the best way to accomplish their goals by using weapons, surveillance or shields to fortify their defenses. Engage in 3 play modes, as one of 4 factions.
Official URLOfficial Site
MulderYuffie and 2 others own MoonBase Commander
Atari's bankruptcy auction confirms successful bidders of franchises including Total Annihilation
Atari, much like THQ before it, is in the process of auctioning off its franchise assets... posted Jul 22, 13 1:05pm
thats fun
some magazines rate this game bad (like gamershell. they gave the game a 3, while the...
- Genre: Real-time Strategy (PC)
- Developer: Humongous Entertainment
- Publisher: Infogrames
Released North America Jul 30, 2002


text: Articulate Studio Jobs 11 were found based on your criteria Post a job. It's free! Newest Jobs First Oldest Jobs First Most Employer Hours Least Employer Hours Most Dollars Paid Least Dollars Paid Highest Feedback Score Lowest Feedback Score 1 2 WANTED: Designer with experience using Articulate Storyline 2 for coursebuilding Fixed-Price – Est. Budget: $1,000.00 Posted March 26 2015 Take existing text, images, videos and games in HTML and turn it into beautiful and interactve animated slides. Must have excellent design skills. Please send portfolio. adobe-dreamweaver articulate-studio ui-design web-design E-learning content development Hourly – 1 to 3 months – Less than 10 hrs/week – Posted March 19 2015 Looking for assistance with designing and developing e-trainings for corporates. Raw content will be provided to create high quality SCORM compatible content. The person should be ready for a long term engagement for projects on request basis. Should have experience with instructional design, graphic design, etc. Should have good experience with either Articulate Storyline, Adobe Captivate, or should be able to deliver the content in html5. We are based in the US, but also have an office in New Delhi ... adobe-captivate articulate-studio content-writing e-learning graphic-design html5 instructional-design E-Leaning Content Developers Hourly – 1 to 3 months – Less than 10 hrs/week – Posted March 16 2015 We at Adroit HR Straight are excited to share with you an exciting e-Learning opportunity. We are keen to engage with freelance developers who have the requisite expertise to convert existing ILT content (PPTs / Work Book & Faculty Guide) into attractive e-Learning Packages. Potential candidates will enter into a contract and Non-Disclosure agreement with Adroit HR Straight and be a part of Adroit HR Straight e-Learning Studio. We are keen to engage with e-Learning developers with clear understanding of: 1) Instructional ... adobe-photoshop articulate articulate-studio e-learning flash-3d graphic-design html5 instructional-design Create Safety & Compliance Learning e-Modules Hourly – More than 6 months – 10-30 hrs/week – Posted March 15 2015 We need someone who has experience creating learning e-modules in software such as Adobe Captivate or Articulate Storyline. We need a large amount of these modules created (100+). We already have an LMS and need SCORM compliant courses on various workplace training & OSHA compliance topics. We need someone who can take a topic and turn it into a storyboard, write the content, and ultimately implement it (via Captivate, Storyline, or some other SCORM authoring tool) into a finished SCORM compliant ... adobe-captivate articulate-studio e-learning ELearning Guest Blogger Fixed-Price – Est. Budget: $50.00 Posted March 11 2015 Call for writers/bloggers. eLearning Brothers is looking to hire contract writers to contribute to our blog. If you know about Instructional Design, presentations, Storyline, Captivate, Lectora, corporate education, training, or anything else eLearning, please apply. Have you read this post? What is 4 plus two? We would like to focus blog content with one of these categories: Adobe Captivate Tips Articulate Storyline Tips Lectora Tips PowerPoint Tips (eLearning Focused) Mobile Development Instructional Design Graphic Design Project Management eLearning Templates ... adobe-captivate articulate-studio blog-writing content-writing copywriting creative-writing e-learning instructional-design project-management Development of e-learning modules in articulate studio 13 Fixed-Price – Est. Budget: $1,000.00 Posted March 6 2015 Hi. I need to develop 50-60 modules of each 1 hour duration in articulate studio 13. It is basically a bulk project. Storyboard design, interactivity, animations and online publishing. Please send a sample demo of your work along with application. Thank you articulate-studio e-learning graphic-design instructional-design microsoft-powerpoint ELearning Course Design Fixed-Price – Est. Budget: $500.00 Posted Feb. 23 2015 Shari, We are in the process of developing eLearning SCROM courses for our LMS. Our courses are in Articulate Story-line 2. We have a script for the course and voice-over. Our scripts are about 40 slides. We are looking for a fixed price freelancer. Are you interested in a conversation? Frank Payne, PMP articulate-studio Elearning content in English to be converted into Tamil Fixed-Price – Est. Budget: $300.00 Posted Jan. 25 2015 elearning content in English to be converted into Tamil This would involve a) changing the On Screen Text from English to Tamil b) changing English Voice Over to Tamil Voice Over Will provide the following: 1) English text and corresponding Tamil text. 2) Story Board in English and in Tamil articulate-studio e-learning voice-over voice-talent Elearning content in English to be converted into Marathi. Fixed-Price – Est. Budget: $300.00 Posted Jan. 25 2015 elearning content in English to be converted into Marathi. This would involve a) changing the On Screen Text from English to Marathi b) changing English Voice Over to Marathi Voice Over Will provide the following: 1) English text and corresponsing Marathi text. 2) Story Board in English and in Marathi articulate-studio e-learning voice-over voice-talent Multimedia e-learning - Articulate Hourly – 1 to 3 months – Less than 10 hrs/week – Posted Jan. 15 2015 Create/Publish multimedia e-learning course Analyse e-learning course to select most efficient tool Tools to use: Articulate Sony Vegas Camtasia Subitle Edit After Effects Flash Pro articulate-studio e-learning video-editing video-production


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Sad news
It is with a heavy heart that we tell you all that our dear staff member Tonibunny, who was with SSo from the start and was a good friend to many here, passed away Thursday night.
She was a wonderful friend to many members of the site. She readily shared all her knowledge and experience of scoliosis and was always willing to help and encourage anyone who reached out to her. When she wasn't sharing her experience of scoliosis, she shared her love of books, art, and music. She had a love of learning and life that was infectious.
There is a thread where you can share your memories of her:
Tonibunny's Memorial Thread
Due to a sudden influx of spammers, we have changed the forum to have a fully moderated sign up process. This means that when you sign up for a new account, even when you have clicked on the link in the email that you are sent by the system, you will not be able to post until your account has been checked by a moderator.
I'm sorry for the added hassle this will give to all of our many genuine members, but it is unfortunately necessary if we are to keep the forum free of spam. In most cases, it should not take more than a day or so before you are able to post, and in many cases it will be quicker than that.
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Will turn www.example.com into [URL]http://www.example.com[/URL].
Re: Forgotton details
Ah right, ok - good-oh Didn't realise you could do that in this forum!
Re: Forgotton details
Re: Forgotton details
I know, I set this thread to be visible so she could see it Her email addy is the same one as she uses for the Happy Ruth account.
Re: Forgotton details
Did you keep a copy of the email address? It's just only we can see this forum, none of the members or guests can, so we'll need to email her
Re: Forgotton details
Hi Ruth,
Your user name is Happy Ruth (with a space in), you should be able to reset your password if you try to log in with that. Post back here if you have any more trouble and we'll see what we can do
Forgotten details
I registered on here some time ago I think with the user name HappyRuth. My email address is *removed by Moderator*
Please could you reset me and advise by email.
Thank you
Forgotten details
Forum Rules


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For the second year in a row, the Class of 2014 – "Best You've Seen" according to their motto – claimed the Homecoming Week Powder Puff championship.
Homecoming Week is only considered complete when the varsity football team comes up with a victory.
Oakdale's varsity Lady Mustangs downed Weston Ranch at home 25-17, 25-16, 25-16 on the volleyball court, keeping their home record spotless at 7-0 and dropping the Cougars to 5-8 overall. Christina Cobarruvias had six aces on the game for Oakdale, while Lauren Ott, Kaitlyn Van Ryn, Jennifer Guzman and Brittany Carpenter had several kills each.
Oakdale's women's water polo team improved to 11-2, 2-0 in league play with a 15-1 win at home over Ripon this week. Unfortunately the Indians got revenge on the other side, topping the Mustang boys.
Oakdale netters topped Weston Ranch in action on Sept. 26, hosting their Valley Oak League counterpart.
Anger? Anxiety? Apprehension?
A spectacular cross country showing highlighted recent prep action at Oakdale High. Following is a summary of results from multiple sports.
Fresh off a 4-3 run through the ultra-tough High Sierra Tournament in Reno, Oakdale High's battle-tested volleyball players made short work of Beyer, Merced and Ripon in consecutive matches on consecutive days.
It was apparent after a 21-20 defeat on Friday, that the familiar splash of scarlet and gold stretched in stripes along white uniforms was the only glimpse of the storied Oakdale High rushing attack that die-hard Mustang football fans have grown accustomed to.
Oakdale High's freshman football team got the ball rolling with a 21-20 victory over Turlock on Friday, setting the table for thrilling games across all three levels.
If missing plug-ins do not allow the video to play, visit http://www.oakdaleleader.com/multimedia/ to download this video of Oakdale vs. Turlock football.
Before Russell Wilson, Robert Griffin III and Collin Kaepernick were befuddling NFL defenders with the read-option, Turlock High quarterback Sean Downs was doing it perfectly at THS.
Hard times on the hardwood as the OHS varsity girls have lost three straight games. Oakdale dropped a pair of home games this week to visiting Manteca and East Union this past week.


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Tru Def Shows His Inner Royalty
By Jeremy Hallock
By James Khubiar
Why You Should Be Excited About Dallas Music
By Observer Staff
Daniel Markham's Pretty Bitchin'
By Kelly Dearmore
Americans Under 30 the Most Cynical Bunch Ever
By Jim Schutze
13 of the Best Female-Fronted Bands in DFW
By Rachel Watts
Your Baseball Season Guide to Pre- and Post-Game Eats...
By Lauren Drewes Daniels
"They made a movie about me, and that stuff ain't true," Turner sings in his gritty baritone on the defiant "Jesus Loves Me," still addressing the decades-old allegations of spousal abuse, before admitting, "I've been a bad boy, but Jesus loves me anyway." The song, like Turner's lengthy career, is a mass of contradictions, all held together by his unbridled hubris and unqualified ability. Featuring a small army of worthy sidemen, Risin' alternates between raw jump blues ("Tease Me") and tasteful slow-burners before concluding with "Bi Polar," another tongue-in-cheek nod to his past.
Currently experiencing a surprising revival (check out his work on Gorillaz's Demon Days), Turner continues his enigmatic ways while giving no quarter to those who would besmirch him.
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Linux Journal Contents #102, October 2002
Oct 01, 2002 By Staff
Securing Applications on Linux with PAM
by Savio Fernandes and KLM Reddy
Make your new authentication technology work with Linux applications or add standards-based authentication to your new application.
Programming PHP with Security in Mind
by Nuno Loureiro
Can attackers subvert your web application? Not if you develop it with a healthy distrust of users.
Coding between Mouse and Keyboard, Part II
by Patricia Jung
A multilingual text editor in a few hundred lines? Yes, with Qt. We finish the project started last month.
What Do You Have in Your Walls?
by Alex Perry
The physics, hardware and softwware behind an easy-to-build probe you can run with your sound card.
Driving Me Nuts
by Greg Kroah-Hartman
The tty Layer, Part II
Kernel Korner Linux Distributed Security Module
by Miroslaw Zakrezewski and Ibrahim Haddad
At the Forge OpenACS
by Reuven M. Lerner
Cooking with Linux Security, with a Sprinkle of Video
by Marcel Gagné
Paranoid Penguin Stealthful Sniffing, Intrusion Detection and Logging
by Mick Bauer
Focus on Software Security Is an Attitude
by David Bandel
Linux for Suits Is Symmetry Inevitable?
by Doc Searls
Geek Law Why the Public Domain Isn't a License
by Lawrence Rosen
EnGarde Secure Linux Professional 1.2
by Jose Nazario
Geek Guide
The DevOps Toolbox
Tools and Technologies for Scale and Reliability
Tools and Technologies for Scale and Reliability
by Linux Journal Editor Bill Childers
Sponsored by IBM
Upcoming Webinar
8 Signs You're Beyond Cron
Scheduling Crontabs With an Enterprise Scheduler
Scheduling Crontabs With an Enterprise Scheduler
11am CDT, April 29th
Moderated by Linux Journal Contributor Mike Diehl
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Trending Topics
Webinar: 8 Signs You're Beyond Cron
Scheduling Crontabs With an Enterprise Scheduler
11am CDT, April 29th
11am CDT, April 29th
Join Linux Journal and Pat Cameron, Director of Automation Technology at HelpSystems, as they discuss the eight primary advantages of moving beyond cron job scheduling. In this webinar, you'll learn about integrating cron with an enterprise scheduler.Join us!
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|Mar 23, 2015
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|Mar 19, 2015
|DevOps: Everything You Need to Know
|Mar 19, 2015
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- DevOps: Everything You Need to Know
- Solving ODEs on Linux
- Non-Linux FOSS: MenuMeters
- Android Candy: Bluetooth Auto Connect


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Get a comprehensive list of scholarships for Belgian students to study worldwide. Belgium is the country of high standards educational systems, here education is kept in high priority investment list of regional and local governments. Numerous universities provide partial and fully funded scholarships for students of Belgium. These grants and financial aids are offered to international students as well as local students for pursuing all degree levels i.e. undergraduate, master, PhD and postdoctoral. This page will keep you updated of all the scholarships for national and international students in Belgium and also about the availability of the grant for Belgian students in home and abroad.
Sir Henry Dale Fellowships for Belgian Postdoctoral Scientists, 2015
Royal Society and the Wellcome Trust are offering scholarships for students of Belgium for research addressing an important biomedical question. Fellowships are tenable for five years in the first instance, with the potential to apply for competitive renewal for an additional three years. Fellowships may be taken up on a part-time employment basis, where appropriate. Fellowships are available for postdoctoral scientists wishing to build their own UK-based independent research career. The deadline for application is 30th January 2015.
EDCTP-TDR Clinical Research and Development Fellowship Scheme, 2015
EDCTP and TDR are jointly awarding clinical research fellowships for the researchers from low- and middle-income countries (LMICs). For EDCTP, the applicant must be the legal entity registered in a sub-Saharan African country employing the fellow. Fellowships are awarded to acquire experience and develop skills for conducting clinical trials outside of an academic or public sector setting. Successful candidates will be placed with leading product development organisations, including pharmaceutical companies and product development partnerships – the 'host organisations'. Placements are for a minimum period of 6 months up to a maximum period of 24 months. The application deadline is 30 January, 2015.
2015-2016 ITTO Fellowship Programme for International Students, Japan
Applications are invited for ITTO Fellowship Programme available for international students from ITTO Member countries in the field of tropical forestry, tropical timber industries and related disciplines. Fellowship programme is available for participation in international/regional conferences, short-term training courses, training internships at industries, research and educational institutions, study tours, and lecture/demonstration tours and postgraduate studies. The maximum amount for a fellowship is US$10,000. Approved Fellowships are non-transferable to other programmes or institutions. The application deadline is 20 February 2015.
Vice-Chancellor's Scholarship for European Union, 2015
University of Nottingham is inviting applications for Vice-chancellor's scholarships available for students who are classed as a European Union (non UK) students for fee purposes. Scholarships are awarded for pursuing full-time research degree programme, PhD or MPhil programmes in September or October 2015. Up to 30 full tuition fee scholarships, each including an additional £8,400 stipend per annum will be awarded. The application deadline is 8 May 2015.
PhD Studentship in Organisms and Environment at Cardiff University in UK, 2015
PhD studentship is offered to students of Belgian at Cardiff University, UK. Studentship is awarded in Organisms and Environment for a research project on Forest edge effects on wood decomposition and fungal community. There is only one PhD studentship available for three years. This studentship consists of full UK/EU tuition fees, as well as a Doctoral Stipend matching UK Research Council National Minimum (£13,863 p.a. for 2014/15, updated each year). The closing date for application is 15 January 2015.
CADRE Fully Funded PhD Scholarships in Arts at University of Warwick in UK, 2015/2016
University of Warwick has invited applications from students to pursue PhD program. Scholarships for Belgium students are awarded for studying any programme within the Faculty of Arts. For 2015/16 entry there will be 12 CADRE Scholarships available. Length of award is 3.5 years unless applicant are already in their first year of study when applicants apply then the length of funding will be reduced accordingly. Students should apply by 12 January 2015.
LLM Law and Economics Partial Scholarships for Belgian Students
The Centre for Commercial Law Studies (CCLS) and the School of Economics and Finance are awarding up to three partial scholarships for LLM in Law and Economics programme. Scholarships are worth 50 per cent of the tuition fee each to outstanding Home/EU and overseas full time candidates. Applicants must hold an offer to study on the course. Successful candidates may be asked to assist with marketing events such as the postgraduate law open evenings and/or web/video student profiles. The application deadline is 5 June 2015.
MINERVA EU-Japan Fellowship Programme for Belgian Students
The EU-Japan Centre for Industrial Cooperation is inviting applications for "MINERVA" EU-Japan Fellowship Programme available for EU and Japanese professionals. This is a 6 months in-house fellowship scheme in Japan, designed to support research and policy analysis of EU-Japan economic and industrial issues. The Research Fellow will undertake research work on a selected priority topic of the Centre, which should result in a consistent policy report (50 pages), to be owned by the Centre. The fellowship is worth 1700 EUR/month (paid in JPY). The application deadline is 15 January 2015.
University Prize PhD Scholarships for Belgian Students
University of Sheffield is inviting applications for PhD scholarships open for Belgian Students. Applicants should be applying to start their first year of study on a full-time or part-time PhD with the University. Applicants should have or expect to achieve a first or upper second class UK honours degree or equivalent. These scholarships fund up to three years full-time or six years part-time study, subject to satisfactory progress. Part-time studentships are paid at 50% of the full-time rate (i.e. £10,000 maintenance per year). The applications deadline for 2015-16 entry is 3rd February 2015.
Principal's Career Development PhD Scholarships for Belgian Students
University of Edinburgh is inviting a number of scholarships for students starting their PhD research at the University in the 2015-2016 academic session. Each scholarship covers the UK/EU rate of tuition fee as well as a stipend of £14,000. The application deadline is 3 February 2015.
EU Merit Scholarship Scheme for Belgian Students
Coventry University is offering merit scholarship for Belgian students who are undertaking full-time postgraduate programme starting in September 2014. Scholarship worth £500 will be awarded on competitive basis of both the essay and academic merit. Application should be submitted till 31st July 2014.
Erasmus Mundus Scholarship for Belgian Students -IT4BI for EU and Non EU Students, 2015/2017
Erasmus Mundus has invited application from Belgian students for pursuing Masters Degree program at Free University of Brussels (ULB) (Belgium), University of Tours (UFRT) (France), Technical University of Catalonia (UPC) (Spain), Ecole Centrale Paris (ECP) (France) and Technical University of Berlin (TUB) (Germany). A main list containing the top 20-25 students will be submitted to the European Commission for scholarship approval. Scholarship for Belgian students is awarded for two years. The closing date for application is December 14th, 2014.
Martin Scicluna Scholarship for Belgian Students
Scholarship for Belgian students is available for undertaking masters' programme. A £10,000 scholarship provides a full fee bursary and contributes towards living costs. Last date of submitting applications is 31st July 2014.
The Malcolm Grant Scholarship for Belgian Students
University College London offers Malcolm Grant scholarship for Belgian students in UK. One award is available commencing in the 2014/15 academic session. The successful recipient will be awarded £25,000 for the duration of their programme at UCL subject to satisfactory academic progress. The criterion for awarding the scholarship is financial need and leadership potential only. The application deadline is 25th July 2014.
Japan-WCO Human Resource Development Scholarship for Belgian Students
Belgium scholarships are awarded to undertake Master's level studies at the Aoyama Gakuin University (AGU) in Tokyo, Japan. A candidate must be in good health and preferably under 40 years of age as of April 1, 2015. The maximum number of students for the SMIPRP course is approximately 10. This scholarship is for one academic year starting from April. Application deadline is 21st August, 2014 for getting an ID and password and last date for receipt of the Application Forms is 28th August 2014.
Endeavour Vocational Education and Training (VET) Award
Awards are available to undertake vocational education at a Diploma, Advanced Diploma or Associate Degree level. The award provides support for English Language Training worth of $10,000 up to 6 months, if required. Applicants must be aged 18 years or over at the commencement of their programme. Applications will close on 30th June 2014.
School of Management MSc Scholarships for Belgian Students
Scholarships for Belgian students are available for pursuing full-time taught masters at University of Bath. Up to 10 scholarships will be offered for duration of the course. Each Scholarship is of worth £2,000. The scholarships range from £2,000 to £5,000 depending on the type of scholarship. Each is awarded as a discount in tuition fees and is for one year only. Scholarships cannot be deferred to a later year. Applications will close on 25th July 2014.
Japanese Government Scholarships for Belgian Students
Belgium scholarships are available for pursuing undergraduate degree at Japanese universities. Applicants must either have completed a 12-year regular course of school education or have graduated from a school equivalent to an upper secondary school in Japan. The deadline of the applications differs according to the country. Please contact with Japanese embassy or consulate general in your country.
Postgraduate Taught Scholarships for Belgian Students
Scholarships for Belgian students are accessible to pursue postgraduate degree for entry 2014/15. The Scholarships are each worth £3,000 and will be awarded in the form of a tuition fee discount. Scholarships will be awarded based on academic excellence. Applicants must have received and accepted an unconditional offer to study a full-time postgraduate taught programme leading to a master's degree at Cardiff University for the 2014/15 academic year. Applications will close on 1st August, 2014.
PhD Studentship in Psychosocial Research Unit at UCLAN in UK, 2015
University of Central Lancashire is offering applications for PhD studentship in psychosocial research for a research project on "Applications of Mobile Methods". There is only one PhD studentship available for students of Belgium. The studentship is tenable for up to 3 years full-time or 6 years part time or a PhD via the MPhil route subject to satisfactory progress. The studentship will cover tuition fees at Home/ EU rates and will provide £2000 pa for full-time students for 3 years or £1000 for part-time students for 6 years. There are opportunities for paid teaching duties with this studentship. Students should apply on or before 29th October, 2014.
Cambridge Graduate Bursary in Medicine, UK 2014
Cambridge University has invited applications from students of Belgium to pursue graduate programme. Bursary is available to study medical course. Applicants will receive a bursary of £3,500. The bursary is a flat rate award which will only be provided during the first year of their course. The application deadline is 24th October 2014.
NUI Galway Full-Time Taught Masters Scholarships for Belgian Students
Scholarships for Belgian students are available for pursuing full time taught masters' degree level. The value of scholarship will be €1,500 per student. A scholarship is tenable only at National University of Ireland, Galway in respect of the programme for which it is offered. Online application deadline is 8th August 2014.
2015-2016 MRC PhD Studentships at Imperial College London, UK
Imperial College London has invited application from MRC PhD studentships. Up to 12 fully funded MRC PhD studentships will start in 2015-16. The programme aims to support 10-12 students per call, with studentships awarded to the best students. Studentships will be awarded for 3.5 or 4.5 year training programme. The application deadline is 24 November 2014.
PhD Studentship in Renewable Energy at Cardiff University in UK 2015
Cardiff University has invited applications for pursuing PhD research program. Students of Belgium are awarded in Renewable Energy for a research project on "Frequency Support from Offshore Wind Farms". In this research project, mathematical modelling will be carried out to represent offshore wind farms for frequency support provision. There is only one PhD studentship offered for a period of 3.5 years. This studentship consists of full UK/EU tuition fees, as well as a Doctoral Stipend matching UK Research Council National Minimum (£13,863 p.a. for 2014/15, updated each year). The deadline for Application is 3 November 2014.
Fulbright Grants for Belgian Students in USA, 2014-2015
Fulbright grants are available to students of Belgium for graduate study as well as pre-doctoral and postdoctoral research or university lecturing at an accredited U.S. institution. The commission will nominate between 15 and 20 Belgian students. Grants will range from $2,000 to $30,000. Candidate selection will be based on merit and financial aid. The deadline for application is December 1st, 2014.
2014 PhD Position in Accounting & Finance at Ghent University in Belgium
PhD position is offered to students by Department of Accountancy and Corporate Finance, Ghent University. Applicants will get the opportunity to do research in the domain of 'corporate governance & private equity'. To be eligible, applicant must have a Fluency in English, Strong research interest, Eager to learn and develop new initiatives, both individually and in team. The deadline for application is November 17, 2014.
All the Best!!


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The Emprise 7000 storage system, with its self-healing ISE technology, also will serve as an integral component of the company's disaster recovery initiative, serving as the central repository for all of the organization's critical applications and data. To further ensure business continuity, Milliman Care Guidelines will replicate all of the Emprise data to an off-site location.
Xiotech's Emprise 7000 storage system is built on patented ISE technology, which includes a combination of preventive and self-healing capabilities. ISE technology also overcomes performance issues of traditional data storage systems by tightly integrating drive, enclosure and controller software, and by distributing much of the processing and cache into the enclosure. In addition, ISE technology provides greatly improved and simplified scalability by pooling storage into a singular element that is 10 to 20 times the capacity of a typical disk drive, with the internal processing power and cache needed to handle all drive management functions.
The Emprise 7000 system supports up to 64 ISE (1,024 terabytes) and is managed by dual, clustered storage controllers. It includes the Web Services-based ICON Manager with its Virtual View integration capabilities for managing virtualized environments, optimal storage virtualization, a distributed cluster architecture and Intelligent Provisioning. The system also supports Xiotech's suite of data replication solutions.
About Milliman Care Guidelines
Milliman Care Guidelines LLC, A Milliman Company, is located in Seattle. It independently develops and produces evidence-based clinical guidelines and a variety of software options that are use
|SOURCE Xiotech Corporation
Copyright©2009 PR Newswire.
All rights reserved


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SahaJourney Halter Bikini Top
For feminine style choose the Journey Halter Bikini Top from Saha. In a gorgeous floral print with crochet knit trims, this bikini top has fully lined triangle cups and a lovely contrast halterneck and back tie.
Product code: SAH-B27T
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Do these adapters work with the Macbook Air?
- Asked by Simon M from Brunswick
- Jul 12, 2011
Apple World Travel Adapter Kit
Product No Longer Available
1 Answer from the Community
Yes. All, except for the iPod wall charger.
- Answered by Nathaniel H from Brooklyn
- Aug 19, 2011


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view 4744 more ads in Business Opportunities & Consultancy - Other Business Opportuinities
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Εργαλεία πρόσβασης
Εργαλεία εξυπηρέτησης
Επιλογή γλώσσας
Διαδρομή πλοήγησης
Οι ειδήσεις, οι εκδηλώσεις και τα άρθρα μπορεί να διατίθενται μόνον στα αγγλικά, τα γαλλικά και τα γερμανικά.
Countries providing high quality jobs and effective social protection and investing in human capital have proved to be more resilient to the economic crisis. This is one of the main findings of the 2014 Employment and Social Developments in Europe Review, which has looked back to the legacy of the recession.
The economic recovery which started in the EU in the spring of 2013 remains subdued and recent GDP forecasts for the EU have been revised down.
The European Commission and the World Bank have recently unveiled a report profiling the unemployed and inactive populations in six EU countries (Estonia, Lithuania, Romania, Hungary, Bulgaria and Greece).
The economic recovery which started in the spring of 2013 remains fragile and future employment developments remain uncertain, according to the European Commission's latest Employment and Social Situation Quarterly Review.


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Cuisinart Multi-Clad Pro
My fiance and I are in the process of registering and I am trying to decide on cookware. The Cuisinart Multi-Clad was recommended on a post below and seems to be highly rated, at a much lower price than All-Clad or Calphalon Contemporary Stainlee. Opinions for or against? Any actual experiences with the cookware? Thanks very much.
I checked out the stainless classic, rejected it because the aluminum only covers the bottom. I didn't even know about the Multi-Clad when I was deciding, but I just looked it up and it has the aluminum core which continues on up the sides. Looks good, too.
I love my Cuisinart food processor, electric grill/griddle/panini, jelly roll pans and pizza pan.
The Multiclad Pro is gorgeous cookware. Cooks beautifully, and cleans up well. Cooks Illustrated said the saute speed was a bit fast, which means you have to watch what you're cooking more carefully, and it will gain, and lose heat faster than All-Clad for instance. It's not a major flaw. The main thing is that it's not induction capable. You might want an induction cooktop, or burner in the future and the cookware won't work with it.


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This text will be replaced
Hooters Hula Hooper
May 29th, 2012
It's quite simply a Hooters girl doing the hula hoop for a couple of minutes, but in its own way it's strangely engrossing -- you can sort of zone out to it, but try and ignore the music if you can. Slice your ears off or something.
2 Comments / Add Comment
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Hi Laura, Yes, I do sell hula hoops I have been tinkering with the site and I need to fiugre out a better way to let people know. Right now, I offer a $5 discount on all hoops I sell via the internet, so they end up costing you $45 instead of $50. Plea
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Hi: 3° Lo:-4°
By Laura Maltby Monday 07 January 2013 Updated: 10/01 09:59
TRIBUTES have been paid to a 31-year-old mother-of-two who was killed while walking near Kineton on Saturday (January 5).
Deborah Mary Cooper, of Lighthorne Heath, died after being in collision with a silver Skoda Octavia, which was travelling towards Banbury on the B4100 around 10.30pm.
Her family released a statement in tribute to a loving daughter and sister.
"Deborah was our much-loved daughter and loving sister to Rachael and Becky. She leaves behind her devoted partner Ed and their beautiful twins Edward and Hannah.
"She was a keen sportswoman, having recently completed a triathlon and will be dearly missed by all her family and friends."
Police are still appealing for witnesses to come forward to establish the circumstances of the incident.
A second car, a red Ford Ka, was travelling in the opposite direction but was not directly involved.
Anyone with information about is asked to call PC Geoff Bell on 01926 415415.
1 Ed Sheeran helps fight against child abuse in Warwickshire
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Town Square
Home Depot closures include EXPO Design Center in Dublin
Original post made on Jan 26, 2009
Read the full story here Web Link posted Monday, January 26, 2009, 5:08 PM
Comments (2)
a resident of Pleasanton Valley
on Jan 26, 2009 at 8:42 pm
This makes you wonder what would have happened if the plans for the new The Home Depot store would have gone forward off Bernal. The Johnson Drive location would be sitting empty for sure!
a resident of Downtown
on Jan 27, 2009 at 11:41 am
We could have called it the Hosterman memorial dump, as it would likely have looked about as nice as a dump after fallng down from lack of use.
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Another bad idea from the air board
By Tim Hunt | 19 comments | 1,468 views
Exchange Club Meeting on First Amendment
By Roz Rogoff | 0 comments | 597 views


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Board of Directors
Made up of local leaders from diverse backgrounds, TFEC's Board of Directors provides guidance for the overall direction and goals of TFEC. These individuals donate their time, energy and expertise to help us identify opportunities for long-term community impact, respond swiftly and appropriately when unforeseen challenges arise, and address our community's ever-changing social, cultural, educational and environmental needs.
Kathy Pape
PA American Water Company
L. Jeffrey Mattern
FM Global, Retired
Vice Chair
Neal S. West, Esq.
Harristown Development Corporation
Dr. Carolyn C. Dumaresq
Retired Educator and Community Volunteer
Assistant Secretary
Steven M. Hoffman, CPA
KPMG LLP, Retired
Dolly M. Lalvani*
Assistant Treasurer
Marilynn Abrams
Community Volunteer
Cate Barron
PA Media Group
Barbara A. Darkes*
McNees, Wallace & Nurick, LLC
Michael R. Gillespie
Hersha Hospitality Trust
Nancy J. Glen
Community Volunteer
Glenn P. Heisey*
Capital BlueCross
David A. Schankweiler
Journal Multimedia
Karen F. Snider
Susquehanna Consulting and
Financial Group
Cynthia T. Tolsma
PA Auto Theft Prevention Authority
Brian Hess
The ENVISION Group, Inc.
Print Sup
Spencer G. Nauman, Jr., Esq.
Nauman, Smith, Shissler
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General Counsel
Conrad Siegel
Conrad Siegel Actuaries
Consulting Actuary and Founder
Maher Duessel
Pipeline Interactive
Website Support
FGV Media
Website Support
IT Support
Director Emeriti:
John M. Aichele**
William Lehr, Jr.
John McD. Sharpe, Jr., Esq.
William H. Alexander
Jacqueline Little
Conrad M. Siegel
Tita Eberly
Harold A.B. McInnes
Elsie W. Swenson
Gerald L. Hempt
Claude E. Nichols, M.D.**
Mary A. Simmonds, M.D.
Ellen Brody Hughes
John S. Oyler, Esq.
Nathan H. Waters, Jr., Esq.
Raymond L. Gover
Velma A. Redmond
Jonathan Vipond, III, Esq.
Lois Lehrman Grass
John M. Schrantz
Mary Webber Weston
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Women earn less than men, are more likely to have interrupted careers because of child raising and caring responsibilities and statistically live longer so need to save more for retirement. Women in Australia can expect to earn $1m less than men in their working lives.[1] The financial impact of this is that women in Australia are 2.5 times more likely than men to live in poverty in their old age.[2] There was an interesting feature on the ABC on 9th January, 2015 on older Australian women becoming homeless at increasing rates – and what young women and families can do right now in their lives to avoid this. Check out the video.
Current policy settings, including the projected increase in the Superannuation Guarantee contribution to 12%, will not of themselves deliver the level of lifestyle to the majority of those retiring over the next 20 years that we, as a nation, are aiming to achieve. The population is ageing. The number of Australians over the age of 65 will increase by 75% over the next 20 years (from 3.3 million in 2012 to 5.8 million in 2032), and at a much faster rate than the working population and with Australians are living longer, there will be proportionately fewer working Australians available to fund those in retirement.[3]
In the BCG study Women Want More the financial services sector was identified by those 12,000 respondents as the sector they feel most dissatisfied with, of all those sectors that affect their daily lives. The BCG survey results revealed that 73% of respondents were unhappy with the service level received and 71% were dissatisfied with their provider's product offering. According to the BCG research, women are exasperated at how financial services firms serve them, offering up disrespect, condescension, poor advice, contradictory policies, endless red-tape and a one-sizefits-all approach based on the false assumption that men and women's needs are the same.[4]
Some said "I'm scared of money", some said "I've never touched money, I don't know what to do with it." When they say that, I always think, this is not her voice. It is the voice of history. She is the product of this history. So we have to be very patient. We have to pull off the fears which are created around her, and after a while she says, "Maybe I will try". If a woman tries and if she is successful, then her neighbours become very interested and they say, "If she can do it, then maybe I can do it too." And if they are successful, that will open up the snowball effect.
An excerpt from March 2010 speech by Muhammad Yunus, Nobel Peace Prize Laureate and Founder, Grameen Bank
The world has been undergoing a silent revolution over the last few decades. Women have been growing their status, capabilities and control of financial assets. So much so that in 2008 there were 1 billion working women, a figure targeted to grow to 1.2 billion by 2013,[5] by 2005 women controlled 51.3% of the US's personal wealth or US$14 trillion, a figure expected to grow to US$22 trillion within the decade.[6] Globally, in 2008 women controlled consumer spending worth US$20 trillion, a figure expected to grow to US$28 trillion by 2013.[7]
"When individuals and family units have clear long and short term goals and a solid understanding of the simple principles behind saving, debt management, insurance, superannuation and investing – there's a new confidence, a peace of mind and a sense of independence, gratitude and generosity that floods over them, naturally influencing their family and those they touch in their communities."
Zoe Lamont, Founder 10thousandgirl project
[1] Australian Financial Literacy Foundation, National Centre for Social and Economic Modeling (NATSEM), International Center for Research on Women (ICRW)
[2] Julie Reilly's 2013 publication Gender-Wise Philanthropy: Strengthening Society by Investing in Women & Girls 17 published by Women Donors Network
[3] Deloitte Dynamics of the Australian Superannuation System, The next 20 years: 2013 – 2033
[4] Boston Consulting Group, Women Want More, 2008
[5] Steve Macdonald, Investing Like A Woman, A White Paper, 2012
[6] Fara Warner, Power of the Purse: How Smart Businesses Are Adapting to the World's Most Important Consumers – Women, 2005
[7] Boston Consulting Group, Women Want More, 2008
So join us to embrace women as an economic power force and provide the solutions to the barriers they face – Join A Money Makeover Program or Become A Supporting Partner. Alternatively contact us for more information.
Did you know that from 1 July, you will be able to do this using the newly launched myGov online service?
Once you set up an account with myGov, you essentially gain access to a secure online inbox. Here you will be able to receive online letters, statements as well as other important information from various government bodies such as:
- Medicare
- Centrelink
- Veterans' Affairs
- eHealth Resources
- National Disability Insurance Scheme
- Child Support
The ATO's Steve Vesperman said "You'll be able to update personal information, keep track of your superannuation, pay any tax debts and keep tabs on the processing of your tax return…you can be confident that your personal information and records are secure."
To set up your myGov account, visit my.gov.au.
Follow the conversation on Twitter at www.twitter.com/ato_gov_au and join the Facebook community at www.facebook.com/ato.gov.au
Sometimes it's not about starting something, it's about stopping.
Full article on LifeBuzz. Here's the highlights – we've added an exercise for each idea to get your started. What # rings true for you?
#1. Stop spending time with the wrong people.
EX: Identify someone you spend time with who drains your energy. Unless they need your help, cut your time with them back a little.
#2. Stop running from your problems. – Face them head on.
EX: Identify your #1 problem at the moment. What's one thing you can do about it?
#3. Stop lying to yourself.
EX: What do you need to be more honest about?
#4. Stop putting your own needs on the back burner.
EX: Do something for yourself today! Just do it!
#5. Stop trying to be someone you're not.
EX: Identify someone who you want to be like. Do you really want to be them?
#6. Stop trying to hold onto the past.
EX: Think of a memory in the past you hold onto. Take a deep breathe, fill your belly. Breathe into the memory. Now exhale, say out loud " I let it go".
#7. Stop being scared to make a mistake.
EX: Do something you think you'll fail at. See what happens!
#8. Stop berating yourself for old mistakes.
EX: Repeat similar exercise from #6. Identify something you are constantly berating yourself about. Take a deep breathe, fill your belly. Breathe into the idea. Now exhale, say out loud " I let it go".
#9. Stop trying to buy happiness.
EX: What have you bought lately because you thought it would make you feel good? Next time you make a similar purchase, ask yourself 'why?'. What feeling are you trying to buy? What else can you do to create that feeling?
#10. Stop exclusively looking to others for happiness.
EX: Identify a person that makes you happy? What makes them that way? What quality do they have? Mmm yes you have it too!
#11. Stop being idle.
EX: Get up today and DO something you've been putting off.
#12. Stop thinking you're not ready.
EX: START. Start investing, start a conversation with a guy you like, start negotiating a career progression… just START.
#13. Stop getting involved in relationships for the wrong reasons.
EX: Focus instead on the relationship you have with yourself, all other relationships are a bonus.
#14. Stop rejecting new relationships just because old ones didn't work.
EX: Repeat similar exercise from #6 & 8. Identify something you have experienced in a relationship in the past. Take a deep breathe, fill your belly. Breathe into the idea. Now exhale, say out loud " I let it go".
#15. Stop trying to compete against everyone else.
EX: Set a goal around improving yourself. About making an improvement on your efforts last week or last month, or yesterday or last year.
#16. Stop being jealous of others.
EX: Identify someone you're jealous of. Pay them a compliment – call, email, text or in person.
#17. Stop complaining and feeling sorry for yourself.
EX: Identify something that's great in your life.
#18. Stop holding grudges.
EX: Repeat similar exercise from #6 & 8. Identify a grudge you have. Take a deep breathe, fill your belly. Breathe into the idea. Now exhale, say out loud " I let it go".
#19. Stop letting others bring you down to their level.
EX: Next time someone brings you down, look them in the eye and tell them you don't agree. And that actually… you rock at that!!
#20. Stop wasting time explaining yourself to others.
EX: Next time you find yourself explaining yourself, stop. If they get you they'll get you.
#21. Stop doing the same things over and over without taking a break.
EX: Take a sporadic break – a walk around the block or a week away!
#22. Stop overlooking the beauty of small moments.
EX: Smile deliberately at something beautiful that catches your eye. Enjoy it for a minute +.
#23. Stop trying to make things perfect.
EX: Laugh out loud at an imperfection.
#24. Stop following the path of least resistance.
EX: Do something that CHALLENGES you.
#25. Stop acting like everything is fine if it isn't.
EX: Ask someone for help.
#26. Stop blaming others for your troubles.
EX: Next time you catch yourself blaming someone else, bring it back to you? What could you have done differently? What can you do better next time?
#27. Stop trying to be everything to everyone.
EX: Pick your battles a friend once said to me. It's the same with helping others. Pick a few people to support in your life, and support them well.
#28. Stop worrying so much.
EX: Jump up and down 10 times, waving your hands around above your head. Keep going till you burst out laughing – what were you worrying about again?
#29. Stop focusing on what you don't want to happen.
EX: Life's like a garden, you need to fertilise the plants not the weeds. Identify one of your plants (key goals) – water it!!
#30. Stop being ungrateful.
EX: No matter how good or bad you have it, wake up each day thankful for your life. Someone somewhere is desperately fighting for theirs. Say thank you for something out aloud.
What can you stop doing?
Actually two women's lives.
Last night a group of 30 inspiring women around Australia gave two micro loans. These 30 women came from all walks of life – a mum from a farm in north west NSW, an artist from Melbourne, a mining consultant from central Queensland…
Over the last 6 weeks this powerful group of women completed the 6 Step Challenge, 10thousandgirl's new 'Michelle Bridges' style online personal finance program. And they blitzed it!!
They documented their life plans, tracked their spending, worked out their net worth, negotiated rates on home loans, high interest savers and utility bills. They reviewed their insurance, consolidated super. They discussed investment principles and the behaviour of cash, property and shares. They opened super letters for the first time and made calls to their super fund to change their investment mix to fit with their age and stage. In week 4 they documented their personal investing plans, asking themselves:
- What are my #1 financial goals?
- How much money do I need for each goal?
- When do I need it? What's my timeframe?
- What investment options suit that goal and timeframe?
- What are my next steps?
And last night they wrapped up by mapping out their personal and professional support networks. They discussed the different professional support roles, how to find trusted advisors and learnt good questions to ask when approaching and engaging an adviser.
Then they wrapped up with an INSPIRATION FEST. Discussing what inspires them, who do they inspire? How do they stay inspired?
Well, wonderful women. You certainly inspired me. Thank you for your Ripple Effect. May it be felt across your life, among your family and friends lives, in your work and community life and as part of your program fee, you each donated $10 into a pool and were able to donate two micro loans, one to Merelita Marama and one to Linita Ponitini.
So thank you for your globally felt Ripple Effect…
Merelita Marama, Nasautoka Fiji
Activity: Manufacturing
Loan Use: Sewing
Term: 26 Week
Some people are born with a natural talent. Merelita Marama (47) is one of them. She loves sewing for the people in her village and is a skilled seamstress. Merelita has built a steady client base among her friends, neighbours, office workers and church members. With her loan, she intends to buy more sewing equipment to help expand her business. Merelita is certain she will make greater profits, which will improve the lives of her four children.
Linita Ponitini, Tonga
Activity: Farming
Loan Use: Farm produce
Term: 52 Week
Linita Ponitini has three children under twelve. Her goal is to build a house for her family. She and her husband grow a range of crops, which Linita sells in the local market. But their profits are insufficient to cover both family and business expenses. So Linita is seeking a loan to buy seeds and seedlings to increase the farm's production and yield.
Want to provide micro loans? Sign up http://www.goodreturn.org
Want to do the 10thousandgirl 6 Step Challenge? Sign up http://www.10thousandgirl.com
Just read a blog on the MoneySoft site that made me go 'yeah, that's me too!' Have you hit that age or stage where dreams of marrying a prince are slipping away and you're finding yourself thinking about money??
Here's Amy's story… 'Before I was a mum, I was a woman who enjoyed shopping for myself, being out with friends and family, paying for Foxtel to make sure I was update with every show and movie available on this planet. I enjoyed manicures, pedicures, facials, dinner parties, brunches, shopping online, spending summer days at the beach and having a quick drink before heading home. I drove everywhere, not really stressing about the cost of parking meters, or parking stations. Late nights splurging on food and drinks was not an issue as I could most probably sleep in the next day and if not have a quick nap before meeting up with friends for dinner. Everything seemed simple. Life was simple. What I wanted I did with no care in the world.
Something happened between my twenty's and my thirties. I would always put it down to "well that's what happens when you start having kids"…but in actual fact it's just that my priorities shifted. I woke up one day thinking hang on (and that's a PG version of what I was really thinking) why has everything changed? At what point did I become so money conscious and when did I start loosing sleep over this matter?
I can't tell you exactly when or why but it happened. I found myself regretting a lot of my decisions from my younger days. What if I didn't live paycheck to pay check, what if I saved a bit here and there, maybe just maybe I wouldn't be in the predicament that I'm in now. When friends were all putting deposits on their investment properties I was that hippy saying "Enjoy life, life is short, we have plenty of time to work our a$$' off and worry about money" then I would laugh and go home and think how I have got it so down packed this thing called life…. Just quietly I think those friends are now laughing.
Something had to be done it was getting ridiculous, having twins, a husband and all the pressures of life I no longer craved the 'what I wanted I did with no care in the world' kind of approach. My husband who is equally if not more a little 'whatever' with our finances came up with a great idea, pretend like we don't have money. The first few months was great, we set up separate accounts to which our income was assigned to and another account for all our bills to come out of. We did the whole take food from home for lunch, put our left over coins in a jar at the end of the day, started selling a few bits and pieces online for some extra income, but slowly slowly our spending demons started resurfacing and scratching through the few months of hard work we had put in. In the end we looked at each other and..' READ FULL ARTICLE >>
There's a new money tool for women just launched. I've been loving their blog the last few months and now they have a comparison site.
Here's an excerpt from their last newsletter with links to a few great blogs:
Penny Pryor reminds us, if you want to save money just ask for a better deal. You can manage the costs of your kids' mobile phones with a little help from Nicole Avery.
Tax expert, Jasmine Kidd, shares seven tax deductions commonly missed by landlords. For those of you working and paying a packet for childcare, Tracey Sharah helps you get the most relief from childcare allowances.
And with winter coming, Veronica Foale suggests how to you stay warm without burning money.
So if you're looking to compare super funds, health insurers, home loans or savings accounts, add this one to your list of fun comparison sites: http://moneycircle.com
We all know Christmas is a festive time and it's pretty easy to let our spending go astray.
Here are our favourite MoneySmart Top Tips and Tricks for Christmas.
Track your Christmas gift, food and decoration spending this year with the TrackMySpend app. This app is free and easy to use. The new version of the app allows you to categorise your expenses and set spending limits for each category. You can also use the app to keep track of other expenses such as holidays and Boxing Day sales shopping, as well as your daily expenses.
Make a List. Before you start shopping, make a list of who you'll buy gifts for along with how much you plan to spend on each one. Remember, the longer you spend in a shop the more you are likely to buy, so having a list will help keep you focused and stop you from frivolous spending you can't afford.
Shop online. You can more easily compare prices and products to get the best deal possible. Keep an eye out for free shipping and gift wrapping too. See MoneySmart's tips on shopping securely online.
Make a 'No Unnecessary Gift' pact with your family and friends. Agree to not buy each other gifts this year, or make other arrangements instead of a gift, like setting a lunch date for January or helping each other out with a goal or task.
Embrace the real Christmas spirit this year by donating money to charity. Many charities have items you can buy as gifts in the recipient's name. Remember, any donation you make of $2 or more is tax deductible. See MoneySmart's donating page for more information.
Often one thoughtful gift is more useful than 10. If you can't abstain from gift giving altogether then follow the savviest Christmas tradition of all – Secret Santa (some people call it Kris Kringle). Set a gift cost with a group of friends or family, draw a name out of a hat for each person and buy just one gift.
A gift for the future. Instead of wasting money on an unnecessary gift, you might think about making an investment on someone's behalf. For example, you could start a bank account for a child in your family and add to it each Christmas. They will thank you when they are 21 and you have saved a couple of thousand dollars for them.
Start saving for next year. Open a high interest savings account now and start saving for next Christmas. See the magic of compound interest at work with our compound interest calculator. If you put away just $18 a week for 52 weeks, you'll have the average Christmas spend of over $900 saved for next year's celebrations.
Thinking of putting a few gifts on your credit card? Use the MoneySmart credit card calculator to see how much your gifts will cost you if you don't pay them off quickly.
10thousandgirl's personal favourite? Make your Christmas gifts. There's no better gift than one that's taken time and love.
Enjoy being resourceful! Xx
We all want the best deal, this is the value of comparison sites. Here's our picks!
What we like about MOZO
- General web layout and usability
- MOZO Answers – a forum to ask and answer questions, check it out http://mozo.com.au/answers
- Their blog and infographics
We met with the Finder guys the other day and here's what we found!
- Great young team who really care about people's financial literacy and empowerment
- Home loan calculators – lots of them! Ones to help calculate property buying costs, savings with split loans, stamp duty, difference a lump sum payment can make to a loan and of course, loan comparisons
- An interactive site with loads of info to explore and use to help make your financial decisions
We also liked how Finder were quite upfront with how how comparison sites work in a section called Free? What's the Catch? Here's a good explanation of how comparison sites work:
Someone has to foot the bill, but it's not our customers. Instead, the providers on the site pay.
When you click through to or apply with a financial institution, broker or retailer from our website, that provider will pay us a small referral fee for sending you to there. We don't mark up the products just for listing them on our website, and we don't get ongoing or trailing commissions.
We also sell some ad spaces on our sites, although we try to limit those so you don't feel too cluttered.
Keep your eyes out for new comparison site for women, Money Circle. Great blog posts and social media commentary to date so we're looking forward to seeing their next steps and what they're going to offer in 2014.
Happy comparing! Xx
The fun bookclub-like GIG (Girl Investment Group) program supports you and girlfriends, workmates or new 10thousandgirl friends to complete the 10thousandgirl Personal Finance Program. The aim is to learn the principles behind personal finance and investing in an engaging, supportive and light-hearted environment.
GIGs are all about learning the life and finance skills we need to know but often didn't learn at home or at school. Supported by interactive webinars, videos and beautiful workbook materials, 10thousandgirl supplies the Personal Finance Program with an agenda and learning materials for each meeting, and you let your group know what time and who's bringing tea, treats or wine.
Financially empower yourself while 10% of your program fees go toward providing a microloan for a woman to start a new business and lift herself and her family out of poverty. Pretty inspiring!
Want to find out more?
Here's an overview of GIGs (Girl Investment Groups) and the NEW 10thousandgirl Personal Finance Program.
Interested and want to find other like-minds in your area? Register your interest.
Already decided this is for you? Here's the Steps to Getting Your GIG Started.
Currently a financial services professional looking for opportunities to financially empower women in your local area? Interested in a Mentor opportunity? Read on…
Did you know the average credit card debt in Australia is $3500? And paying minimum repayments at the average interest rate of 21.5% could take over 90 years to pay off?
Shocking but true.
In a recent article in The Sydney Morning Herald 'Plot a path to turn red into black', some basic tips to get yourself out of a credit card pickle were shared along with case studies which show it can be done.
Here are some other tips and resources to help get on top of debt and back into black:
- Managing debt
- Creating a Debt Repayment Plan (video tutorial)
- Reaching your savings goal
- Credit Card Calculator
TIP!! If you are consolidating debt, make sure you are careful of your credit rating, making multiple applications for credit cards etc can impact your ability to apply for a home loan etc. at a later date. Talk to your bank manager/s but don't let them log any applications for you unless they're 100% sure you will get it. You can check your credit history by getting a free copy of your credit report from these credit reporting agencies:
- MyCreditFile.com.au (Veda Advantage) – 1300 762 207
- Dun and Bradstreet – 132 333
TIP!! Paying a little more than the minimum repayments on your credit card can mean the difference between having the debt for 90 years or 2!
Start small, be strategic, keep on it and you'll get there in no time.
Happy New Year!
For some that sentence oozes expectation, for others it evokes a sense of anticipation and excitement.
Its mid-late Jan. Who do you resemble?
A) Ah I've set goals before, they haven't worked, this year I didn't bother
B) I set goals this year but I'm battling already
C) I'm kicking goals big time
D) My opinion on goalsetting is… we'd love to hear from you, please share!
Of course, at 10thousandgirl we're firm believers in goal setting. After all, if you don't know what you're looking for there's not even a chance you'll find it!
To help we've put together an easy-to-follow goal setting and financial refresher EBOOK.
Feel free to download as many times as you like and share with your friends, family and work colleagues.
DOWNLOAD Free Ebook! 12 Kickstart Ideas To Refresh Your Life And Finances
As part of this month's (August 2012) focus on all things property related, we have women from the 10thousandgirl community sharing their property journeys. Here is our first one!
Name: Jo
Age: Do I have to?
Profession: PR
Location: Sydney
Tell us a little about yourself (personal, professional, fun, family) so we can get to know you a little better!
I'm a self-employed PR and communication import from the UK, a Hello Kitty enthusiast. Love exercising outdoors.
When did you buy?
My first, July 2009, my second, May 2011.
Did you buy alone or with someone else?
By myself – very happily. I read articles about whether girls should buy alone or not, such nonsense, of course they should, every wants/needs a home and everyone needs financial security at any point in their life, if they can afford it.
When did you first think you wanted to buy?
Like most people, I had lofty ideas of self-employment, first property and marriage by 30. Ha, try telling your life how your life is going to pan out…
How did you know property was for you?
I'm a relentless researcher, I put exactly the time it takes to find what I want. So, when I do, it's usually the right side of perfect based on research, realigning according to needs, wants and price.
I'd been looking longer than most, probably eight or nine months, so when I found it, it was an easy & quick sales process, and most importantly, it felt like home when the minute I walked in to the viewing. It was a top floor sunny haven that when I closed the door, the rest of the world disappeared. Also useful was that I could go to viewings in office hours when many can't, that way, I got to move quickly and secure the deal.
I'd come from renting a great property in terms of location, price and size – right on Bondi Beach, but it was ground floor and dark. I'd had a peeping Tom and I didn't realise how much I appreciated moving into a sunny top floor safe haven. I still appreciate it three years on, and have that nice feeling of 'home' every time I walk in.
When did you get serious and start taking the steps to buy?
As an import, with no family or experience of buying in Australia, let alone Sydney's unique, expensive and competitive Eastern Suburbs, I attended a one day course on first-time property buying through the Eastern Suburbs Community College. It turns out to have been the best $130 odd dollars I've ever spent as far as wealth management and creating a home are concerned.
Who did you talk to during the buying process (professionals/family/friends)?
I asked the guy taking the course, Scott Durrant of Successful Ways (property coach, buyer's agent, mortgage broker, and other financial/property services) what else he did beyond teaching – that's what was great, he imparted his knowledge without selling his other services. There was instant trust there as a result.
What questions did you ask?
Subtly, reason for the sale, how many in the block, planned works, owner/tenant occupation, strata fees, company title vs strata, how long it had been on the market.
I worked with Scott as my property coach, I'd go and trawl every Saturday and report back. People who are in property love talking about it, they don't get tired of the questions. He'd help me with the next set of questions to ask the agent and filter the good properties from the bad.
What other research did you do?
Pavement pounding – I went and looked at everything in my price range and certain specifications, just to be sure, it helps narrow the criteria for what you will and won't compromise on.
How did you save for the deposit?
It's kind of a weirdly bad story with a good outcome. I went through a really tough few years in my personal life, I'd quit a very well-paid job to start a business in a completely new area, my boyfriend dumped me shortly after, a parent (in the UK) had cancer, a sibling (here in Aus) went through quite a serious situation so I threw the new business idea aside, focused on family and keeping myself sane, started freelancing and eventually grew a good set of clients. During the three or so years, I was quite isolated as a result and this pot of money kind of grew itself. Almost accidentally. Good things do come from bad!
Also, somehow, I've never had a credit card and have been debt-free since paying off my student loan in my late 20s so I was lucky not to have the mental drain that I understand debt can be.
It's daunting but just get saving, sooner rather than later, and establish a budget and plans. I'd allocate myself a certain amount of cash each week, no card payment allowed. When you realise how much you fork out on rent and socialising along the way, it's sickening.
Did you buy as a home or for an investment?
Both – always as home to live in for a few years, and always with the intention it would be a good investment in the longer-term.
Where did you buy?
Bellevue Hill, near Bondi in Sydney's East.
What was the most difficult or challenging thing during the process?
Wondering if the deposit pot was ever going to reach the magic number!
Giving up those gorgeous Saturday mornings to do the mad dash between apartment showing times for eight or nine months, have your hopes raised and dashed when somehow, they weren't quite right. You start wondering where you need to compromise.
What was the most fun or rewarding thing during the process?
Always the potential of what I was going to discover …but the most rewarding thing was that I found a beautiful home with great rental and sale potential, at what could almost be described as a bargain (for Eastern Suburbs prices).
What was the most important thing when looking at the mortgage?
Take advice, shop around, consider offsets, consider whether you're cautious or risky to decide on fixed vs variable.
Who or what was the most helpful?
I keep saying it, but seriously, Scott Durrant at Successful Ways was invaluable & patient. I'd research the properties, go and view, report back, and he would help me evaluate each one, and how to negotiate with the agent. I wouldn't hesitate to recommend doing a course, or working with him.
What has it been like after the purchase?
So painless that I did it again! Scott helped me work out that there was enough equity in my property to buy again. I went through the process a lot quicker this time, probably helped by the fact that I wasn't going to live in it so could make an impartial good decision. That said, it's great and I would consider living in it if I ever had to! It's a one bedder with sunroom, study, terrace, lock-up garage in a small block just back from the beach in Bronte. It's rented out, I cover some of the mortgage each month, which with my existing mortgage is something not everyone could manage I guess but I'm doing the hard yards now for the future.
Do you have any other property related goals?
Well, I'm currently looking to buy my third actually for a business idea, and ultimately would like property in New York and London in the not too distant future, also part of a business & property strategy I'm currently looking at.
I'm essentially using well-bought property as part of my superannuation / retirement strategy.
Any tips you would give other 10thousandgirls who are thinking about buying?
-Work out what you will and won't compromise on, garage, balcony, light, two rooms etc – I compromised on the location, I had my heart set on Bondi but realistically, the quality, and the quality vs price quality just wasn't there. Especially when you're competing with couples and their dual income, and often rich couples with parental backing.
I knew that without the beach on my doorstep, I needed a balcony. I also personally prefer the art deco blocks vs the new builds, because they're better quality and won't crack in ten years.
-Check on the hidden costs and don't pretend they're not there – sinking funds, insurances etc, strata fees. Older blocks don't tend to have as high strata fees to cover lifts, pools, concierge etc. do the reports, get the advice.
-It took me a long time to get my head out of Bondi and look at surrounding suburbs. Best thing I did. I almost bought a lemon right on Bondi Beach, thankfully, Scott and his team had done the research to show that insurances for the awnings over tourist cafes hadn't been paid for a while, so if anything happened to them, I and other owners would have been liable.
-Buy with head and heart, not just heart. It's easy to say but only by spending a good period of time researching will you come to a happy medium.
Thanks Jo for sharing your story and your tips!


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It is time once again for the Labor Day jazz festival extravaganza. While the summer festival season always impresses, there's something about the fetes that take place during the unofficial end of summer that rings true to me.
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If you have just one chance to eat on Smith Street and money is not an issue, there's no question you should spend it at Battersby. The narrow, unadorned space features spontaneous New American dishes from chefs/owners Walker Stern and Joseph Ogrodnek (whose Philadelphia hometown street, Battersby, inspired the name). It's hard to argue with any of the intensely flavorful, surprising, good-size dishes, from salads and seafood to meats and supplemental, seasonal gifts from the chefs. Preparations change as often as three times per week. There are two tasting menus ($75 and $95) or you can order à la carte. Reservations are limited and walk-ins encouraged—your best bet is to arrive early on a weeknight to avoid a wait.


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Welcome to ACCJC
The Accrediting Commission for Community and Junior Colleges, Western Association of Schools and Colleges (ACCJC) accredits community colleges and other associate degree granting institutions in the Western region of the U.S. The ACCJC is one of seven regional accrediting commissions. The ACCJC is authorized to operate by the U.S. Department of Education through the Higher Education Opportunity Act of 2008.
Accreditation is a voluntary system of self regulation developed to evaluate overall educational quality and institutional effectiveness (The Commission's complete Purpose Statement is available in Article I, section 2 of its Bylaws). The ACCJC accreditation process provides assurance to the public that the accredited member colleges meet the Standards; the education earned at the institutions is of value to the student who earned it; and employers, trade or profession-related licensing agencies, and other colleges and universities can accept a student's credential as legitimate.
ACCJC Accreditation Standards Symposium
Sheraton San Diego Hotel & Marina
April 23-24, 2015
Thursday (afternoon), April 23 – ALO & CEO Preconference Meetings
Friday (all day), April 24 – ACCJC Accreditation Standards Conference
Thank you for the expressions of interest in the upcoming ACCJC Accreditation Standards Conference. ACCJC is happy to present the new 2014 Accreditation Standards at this special event, resulting from the Review of Accreditation Standards and Practices which concluded earlier this year. Below please find preliminary information for your planning. On February 26, 2015, invitations to the Standards Symposium were emailed to CEOs and ALOs of member institutions. The limited registration period ended on March 15.
As of March 16, 2015, registration for the April ACCJC Accreditation Standards Symposium is now open to anyone from a Member Institution or District. An email has been sent to Member Institution ALOs and CEOs with the open registration link. We have asked that the email be forwarded to anyone at their Member Institution or District Office who they think may be interest in attending the Symposium. Registration will be open until March 25, 2015, or until the event reaches capacity. We expect the Symposium to fill quickly.
Thank you in advance for your interest and participation in this event!
- Final Decision in Lawsuit brought by City Attorney of San Francisco
- ACCJC Files Documents Responding to Tentative Decision
- Tentative Decision in City Attorney Case Announced
- Commission Announces Restoration for CCSF
- Quick Reference Page on CCSF Matter
- FAQ about Restoration
New on the Website
- 2015 Call for Commissioner Applications
- The Importance of Accreditation
- Accreditation key force in education innovation
- Partners in oversight assure quality
- USDE Guidelines for Accreditor Recognition
- Challenging Times: Partnership is Key
- ACCJC Receives Formal Letter of Recognition, January 29, 2014
- Successful Recognition Review for ACCJC
- 'Accreditation Basics' online course
- Twelve Common Questions and Answers About Regional Accreditation
- CHEA Almanac Online
- Federal Regulations and National Conversations Impacting Accreditation, SoCal CEO Conference (April 12, 2013)
- Accreditation and Governing Board Roles and Responsibilities
- Guide to Accreditation for Governing Boards, an ACCJC Publication
- NACIQI Final Report on Accreditation (April 2012)
- Alternative to the NACIQI Draft Final Report 2012
- The New Ecology for Higher Education, by Dr. Peter Ewell


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Same Bulbs, so why are they Different Colours?
A friend and I bought some new oriental lilies this year - we made one mass order and received everything together. Mine came up looking like Muscadet, none of the advertized yellow or pink streaks, and I just figured I had been fooled again by false advertizing and doctored magazine photos - then my friend's lilies of the same type bloomed in her yard exactly like the magazine photo!
I emailed the company asking if I had done something wrong in where I planted them, if soil acidity could affect their colour, if maybe the colour would improve over time, and if there is anything I can do, and they replied with this:
"Sorry to hear about the Playtime Lilies. While that is very unusual, it has happened before. As you mentioned, the acidity of the soil can play a small part in the colors. That can change as well, I hope that next year you see more Yellow in it. If you would like, I can send more but I am thinking you will probably end up with the same ones. Keep us posted."
So my question to you gardeners is, is this true? I can't find anything online about soil acidity affecting lilies whatsoever. Is there any explanation for the two of us growing the same lilies from the same order and mine ending up so muted?
Thanks for any info you can provide! I've included a photo of my lilies, and my friend's (the only yellow on mine is from the pollen falling off in the rain).