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10 ways to fund your business without a bank loan
How to get around the credit impasse
With bank lending figures continuing to fall, thousands of entrepreneurs are looking for alternative sources of funding to get their business off the ground. If you're one such firm, this article provides a comprehensive guide to the tools and options at your disposal.
Bank overdrafts. For companies with fluctuating income, a bank overdraft can provide quick, flexible cashflow. The idea is simple: you dip into the overdraft in the leaner months, and come back out when the business picks up.
Most major banks charge interest only on the amount you overdraw, and many offer tailored packages for young businesses. For example, NatWest provides overdrafts up to £500, free of set-up fees, for start-up firms. However rates of interest on bank overdrafts are usually charged above base rates, and in most cases the overdraft amount is repayable on demand.
Cash advances. Companies such as Business Cash Advance and Credit for Merchants are geared to offering money upfront, before debts and invoices have actually been paid.
Under the terms of the agreement, the financier purchases a fixed percentage of your future credit/debit card transactions at a discount, and then advances the cash into your bank account, usually within 10 working days. Repayments will be scheduled at a pre-agreed percentage of every transaction – usually between 10 and 20%.
With a cash advance, you can secure up to £100,000 without the burden of collateral or fixed monthly repayments. But you may have to meet a rigorous set of conditions; for example Business Cash Advance insists all clients must have been in business for at least a year, with a minimum monthly turnover of £3,500 and the ability to process credit and debit card transactions.
Asset-based lending. An asset-based loan works the same way as a mortgage. You borrow money against an existing possession, and, if you can't meet your obligations, the asset is repossessed. Assets which can be used as collateral include property and premises, accounts receivable, inventory and equipment.
Although interest rates are often punitive, asset-based finance can be extremely useful for a company desperate for cash, or a business backed by valuable property which has yet to make major profits – such as a hotel or plant hire specialist.
Factoring. The factoring process allows you to release the money tied up in unpaid invoices, and removes much of the burden of debt management. When you engage a factor, they will take control of your invoices and assume responsibility for processing them. You will be able to draw funds as soon as the invoice has been approved – before the money actually comes in.
Factoring can speed up cashflow and free up the time spent chasing bad debts, but there are drawbacks. A factor will impose a charge on each invoice, so your profit margins will be reduced, and it can be difficult to sever a contract with a factoring firm, because you have to compensate them for all outstanding invoices before you can formally part company.
One alternative, which could be more cost-effective, is MarketInvoice, an online marketplace which allows you to auction your invoice to a community of investors. You receive payment straight away and the investor will receive a profit when the payment finally comes in.
Angel investors. If you manage to impress a business angel, they may provide investment in return for an equity stake. Most angels are seasoned entrepreneurs themselves, so they know what you're going through and they're likely to be patient.
Furthermore, the process of finding and enticing an angel is far less daunting than you might think. Companies such as Beer & Partners can put you in touch with hundreds of angel investors, and provide advice to hone your pitch. If you can put together a tight pitch with realistic growth projections, and are prepared to give up a share of your business, this could be the route for you.
Crowdfunding. Crowdfunding is, essentially, an extension of the charity sponsorship page in the business world. People come together, on crowdfunding sites, to pool money towards a particular venture or idea – it could be ten people putting in £500 each, or 3,000 people each giving £1.
Donors or investors on crowdfunding sites, such as Kickstarter or Crowdcube, are typically private individuals providing small sums, so they're unlikely to give you the sort of grilling, and rigorous conditions, an angel investor would. You can also scope out the popularity of your idea via a crowdfunding site, and get some crucial word-of-mouth marketing going.
If you're interested in raising finance using crowdfunding take a look at Startups' crowdfunding platform. We've partnered with Crowdcube to offer businesses a new way to raise seed or growth capital. For more information, read our guide on how crowdfunding works.
Peer-to-peer loans. A peer-to-peer exchange site, such as Zopa or Funding Circle, will put you in touch with private lenders, and create a personal relationship between you and the lender – fostering trust and patience.
A number of companies are now well-established in this space, and several offer generous terms. Indeed Zopa waives all fees for loan applications, reduces interest rates for borrowers who make early repayments, and adds only a one-off fee of £130 to the cost of the loan.
Micro-loans. If you only need a very small amount of money, you should think about a micro loan, which is tailored to your circumstances and can be used alongside funding from other sources.
A number of companies in the UK offer micro loans; for example Finance Wales offers funding from £5,000 to £25,000, with generous repayment terms ranging from one to five years.
Community schemes. A plethora of community development finance initiatives, or CDFIs, have been set up around the country to help individuals, and businesses, denied credit by banks and lending companies.
CDFIs provide help with everything from bridging loans and working capital to funds for property and equipment purchase, but their terms are usually restrictive; you usually have to be either a micro-business or a social enterprise, and be based in a disadvantaged area to qualify.
Family loans. If you want to keep things ultra-simple, a supportive family, with money to spare, can provide a fair, willing and reliable source of loan funding. Relatives and loved ones are more likely to trust you with their money than an outsider, and they will probably demand lower interest and fewer incentives than a commercial organisation.
Any finance model or provider should be researched thoroughly before you make any commitments, to ensure this is the best solution for your business. You will find more information on some of these finance options in our Business Financing section. We would also recommend researching specific providers or funding platforms online and speaking to other businesses which have used them.


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Why I, a Jewish Torontonian, Am Tweeting at Gazans
Read More:
War on Gaza,
Operation Protective Edge,
Israel Palestine Conflict,
Tweeting During Conflict,
Israel Deaths,
Israel Twitter,
Palestine Deaths,
Palestine Twitter,
Canada Impact News
Hamas and Israel are at war and the land beneath their citizens' feet is crying. As it does, an incredible marvel -- while not entirely new-- is happening, and that is tweeting behind the lines. The idea that Palestinians and I, a Jewish community worker in Toronto in 2014, are bantering back and forth while bombs and missiles fall in Israel and Gaza is astounding.

subset: commoncrawl


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Pt. self-inflicts numerous lacerations with box cutter.
DESPERATE TIMES CALL FOR DESPERATE MEASURES. How often have you encountered patients in your hospital who have used box cutters to self-inflict wounds for the sole purpose of attempting to have narcotics administered to them?ON MAY 16, 2000, ERIC THORNTON WAS INVOLUNTARILY COMMITTED TO E J. CHERRY HOSPITAL AFTER INFLICTING TWENTY LACERATIONS TO HIMSELF WITH A BOX CUTTER. His motive was to obtain narcotic painkillers. The same day he tried to persuade Ruth Maye, a Registered Nurse, that he had broken his right leg and needed narcotics for pain. There was no evidence that the patient's leg was broken. Nurse Maye did not provide narcotics to the patient. Hospital staff informed him he would not be given narcotics. The patient contacted his family and complained that the hospital would not provide him with narcotics and suggested that he might run his head through glass in order to obtain narcotics. On May 17, the patient continued to seek narcotics from hospital staff. He became irate, attempted to throw a wheelchair, and threatened to sue the hospital for "poor health care." He also told a nurse that his left knee was broken and that he needed narcotics. No evidence suggested that the patient's left knee was broken. At3:15 p.m. that day, the patient and another patient engaged in a verbal confrontation. Hospital staff separated the patients pursuant to hospital procedure. At 4:00 p.m., a hospital employee conducted a routine ward check. He observed the patient awake and seated in the TV room. Shortly thereafter, the patient became involved in a physical altercation with other patients in the TV room. The patient alleged the "whole ward" had "jumped" on him and an assailant stomped on his left leg, causing a fracture to his left tibia. The patient filed a claim against the hospital for damages under the North Carolina Tort Claims Act. The patient testified that no hospital staff members were present in the ward, that all were on "break." The patient presented no witnesses regarding the alleged attack. The hospital presented evidence that several staff members were within anywhere from ten to fifty feet from the alleged altercation. After a hearing, the Deputy Commissioner denied the patient's claim. The patient appealed to the Full Commission. The Full Commission affirmed the Deputy Commissioner's denial of the patient's claim. The patient appealed.
THE COURT OF APPEALS OF NORTH CAROLINA AFFIRMED THE COMMISSION'S FINDINGS. The court held, inter alia, that the Commission properly concluded: (1) the patient failed to prove the hospital had notice of the alleged threats; (2) the patient presented no evidence of negligent conduct by any hospital employee; (3) the plaintiff failed to show the level of care the hospital owed to him; and (4) the patients claim was barred by contributory negligence. The court further noted that the patient failed to demonstrate that the Commission's finding were unsupported by competent evidence. Further the court found that the patient failed to show that the Commission's findings of facts did not support its conclusions of law.
TODAY, HOSPITALS MUST BE MORE VIGILANT THAN EVER BEFORE AND STAND READY, WILLING AND ABLE TO CONFRONT VIRTUALLY ANY SITUATION WHICH MIGHT BE FOR SEE ABLE IN TODAY'S SOCIETY. Drug addicts are more prevalent than ever before. There is no doubt whatsoever that hospitals have a responsibility to take reasonably prudent methods to protect both patients and invitees. Curiously the patient who initiated action against the hospital was the very type of person against whom hospitals must protect both their patients and invitees. This patient self inflicted numerous wounds to his face and body with a box cutter as a means to obtain narcotics. A dissenting opinion was filed. The dissenting judge disagreed with the majority's conclusion that the patient failed to establish that the hospital had breached a duty owed to the patient and that the patient was contributorily negligent. However, the dissenting judge focused on an exception to the rule, which provides that "there is a duty upon the actor to control the third person's conduct and to guard other persons against his dangerous propensities when certain relationships exist. The dissenting judge concluded that the patient, having been involuntarily committed, could not be considered an invitee of the hospital in the truest sense of the word. Significantly, the dissenting judge agreed that the majority opinion properly stated the general rule that there is no duty to protect someone from harm caused by third persons. Thornton v. F. J. Cherry Hospital, No. 06-1096-051507 (05/15/2007) S.E.2d
Meet the Editor & Publisher: A. David Tammelleo, JD, is a nationally recognized authority on health care law. Practicing law for over 40 years, he concentrates in health care law with the Rhode Island firm of A. David Tammelleo & Associates. He has presented seminars on medical, nursing and hospital law throughout the United States. In addition to his writings as Editor of Medical Law's, Nursing Law's & Hospital Law's Regan Reports, his legal articles have been published in the most prestigious health law journals, A prolific writer, his thousands of articles, as well as his achievements as an attorney and lecturer, have won him recognition in Martindale-Hubbell's Bar Register of Preeminent Lawyers, Marquis Who's Who in American Law, Who's Who in America and Who's Who in the World.
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Author: | Tammelleo, A. David |
Publication: | Hospital Law's Regan Report |
Date: | Jun 1, 2007 |
Words: | 884 |
Previous Article: | Cardiac patient not given 'one-to-one' nursing as ordered. |
Next Article: | Hospital failed to disclose biopsy results--then refused! |
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Recall involves 15,500 toe-kick saws. |
Blade assault nets plea of guilty; Man gets probation after initial denials. |


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HoopsHype The Lighter Side
Tracy McGrady and Shaquille O'Neal were putting up some crazy numbers before PER mattered.
Thursday night, LeBron James put up big numbers against Kevin Durant in a game his team ended up winning. That has really been the pattern when they've played each other.
, Andre Drummond, Anthony Davis, Blake Griffin, Bradley Beal, Carmelo Anthony, Chris Paul, Damian Lillard, DeMarcus Cousins, Dwight Howard, Gordon Hayward, James Harden, Kawhi Leonard, Kenneth Faried, Kevin Durant, Kevin Love, Kyle Korver, LaMarcus Aldridge, Paul George, Stephen Curry, Tyson Chandler


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Folk-Rock Guitar Bible
By Various
Folk-Rock Guitar Bible by Various. For Guitar. Hal Leonard Guitar Recorded Versions. Contemporary Folk and Folk. Difficulty: medium. Guitar tablature songbook. Guitar tablature, standard notation, vocal melody, lyrics, chord names and guitar chord diagrams. 216 pages. Published by Hal Leonard (HL.690464).
ISBN 0634023772. With guitar tablature, standard notation, vocal melody, lyrics, chord names and guitar chord diagrams. Contemporary Folk and Folk. 9x12 inches.
35 great folk-rock favorites, including: At Seventeen * Best of My Love * Eight Miles High * Fire and Rain * Here Comes the Sun * Leaving on a Jet Plane * Me and Bobby McGee * Teach Your Children * Time in a Bottle * Turn! Turn! Turn! (To Everything There Is a Season) * Wild World * You've Got a Friend * and more.
About Hal Leonard Guitar Recorded Versions
Guitar Recorded Versions are note-for-note transcriptions of guitar music taken directly off recordings. This series, one of the most popular in print today, features some of the greatest guitar players and groups from blues, rock, and heavy metal. Guitar Recorded Versions are transcribed by the best transcribers in the business. Every book contains notes and tablature.
- Wild World Performed by Cat Stevens
- You're Only Lonely Performed by J.D. Souther
- We Shall Overcome Performed by Pete Seeger
- Best of My Love Performed by The Eagles
- Chicago Performed by Graham Nash
- Dark Hollow Performed by The Grateful Dead
- At Seventeen Performed by Janis Ian
- Blackbird Performed by The Beatles
- Crying Performed by Don McClean
- Do You Believe In Magic Performed by The LovinÕ Spoonful
- Doctor, My Eyes Performed by Jackson Browne
- Fire And Rain Performed by James Taylor
- Happy Together Performed by Turtles
- Help Me Make It Through The Night Performed by Kris Kristofferson
- Here Comes The Sun Performed by The Beatles
- If I Had A Hammer (The Hammer Song) Performed by Peter Paul And Mary
- Just A Song Before I Go Performed by Crosby Stills Nash And Young
- Last Night I Had The Strangest Dream Performed by Simon & Garfunkle
- Leader Of The Band Performed by Dan Folgleberg
- Leaving On A Jet Plane Performed by Peter Paul And Mary
- Me And Bobby McGee Performed by Janis Joplin
- Norwegian Wood (This Bird Has Flown) Performed by The Beatles
- Oh, Lonesome Me Performed by Neil Young
- Our House Performed by Crosby Stills Nash And Young
- Reason To Believe Performed by Tim Hardin
- She'd Rather Be With Me Performed by Turtles
- Sweet Baby James Performed by James Taylor
- Take Me Home, Country Roads Performed by John Denver
- Teach Your Children Performed by Crosby Stills Nash And Young
- This Land Is Your Land Performed by Woody Gutherie
- Time In A Bottle Performed by Jim Croce
- Turn! Turn! Turn! (To Everything There Is a Season) Performed by The Byrds
- Up On The Roof Performed by Jame Taylor
- Eight Miles High Performed by The Byrds
- You've Got A Friend Performed by James Taylor
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Congress Legislature Party authorises Sonia Gandhi to name a new leader
Jarbom Gamlin resigned on Monday both as Chief Minister of Arunachal Pradesh and leader of the Congress Legislature Party (CLP).
The move came after 40 Congress legislators resolved, at a crucial meeting of the CLP, to authorise party president Sonia Gandhi to nominate a new CLP leader. Party insiders said a new Chief Minister was likely to be sworn in on Tuesday.
Mr. Gamlin called on Governor J.J. Singh in the afternoon and tendered his resignation on the latter's return from Delhi where he had gone to attend the Governors' conference.
The former Union Minister for Development of North Eastern Region, B.K. Handique, who was present at the CLP meeting as one of the three AICC observers, told The Hindu over the phone from Itanagar that the legislators gave it in writing that they were authorising party president Sonia Gandhi to nominate a new leader. The other two observers were Union Power Minister Sushil Kumar Shinde and the party-in-charge of Arunachal Pradesh Dhaniram Shandil.
The decision to leave it to the high command was taken after the ruling party legislators failed to reach a consensus. The Congress has 42 legislators in the 60-member Assembly.
Mr. Gamlin was sworn Chief Minister on May 5 after his predecessor Dorjee Khandu died in a helicopter crash. However, he faced dissidence soon afterwards, with some legislators insisting on his replacement by PCC president and Public Works Department Minister Nabam Tuki.
Keywords: Jarbom Gamlin, Arunachal Pradesh government, Congress, party in-fight


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The plan was for my son Jeff & I to split firewood Friday afternoon/night. But, just as we got into a good rhythm the linkage on the valve body broke
I decided waiting for a new part to get here, and since it was Friday night I could make one faster. As I sat at the computer to draw up the part I thought "MAN THIS IS A LOT O' WORK" So, I figured I'd give JB weld a try. Glued the pc. back together and let it set overnight. After running some errands this morning I put it back together to give it a try. It lasted about 10 minutes. LQQKs like that's 1 thing JB can't fix. The part is pot metal so I went back to plan "A" making a new one out of aluminum. I didn't have thick enough stock to make it one pc. so I cut 2 pcs. and tigged them together. I beefed it up where the old one broke as much as I could without it interfering with movement.
BTW: I think this one will hold up. I was using the track loader to load the bigger logs in the splitter. First log I caught the valve handle with the backhoe bucket and spun the splitter around Didn't even bend it. We are back in business.
Results 1 to 5 of 5
Thread: CNC/Welding job (little Project)
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10-11-2008, 06:52 PM #1Senior Member
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- Dec 2006
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CNC/Welding job (little Project)
lets see the mill
10-11-2008, 09:13 PM #3Senior Member
- Join Date
- Sep 2005
- Location
- 16919 Pole Rd. Brethren, MI 49619
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- 4,456
Yes, good repair, just for others without a mill I believe TSC has them on the shelf.
10-11-2008, 09:43 PM #4Senior Member
- Join Date
- Dec 2006
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- 612
Thanks ctrhenry. It's a ShopBot. I've got some pics. around here someplace. I'll see if I can dig some up.
Yea, that was my first thought, but since it was Friday afternoon and it's a holiday weekend I didn't want to wait until Tuseday to order the part & wait for it to show up. Winter is comin' and we have a BIG pile O' firewood to split before it turns cold.
10-12-2008, 06:15 AM #5Senior Member
- Join Date
- Dec 2006
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- 612
I have a clip of the CNC doing what it was intended to do. The "making parts" is just something I use it for, for my own stuff.


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'"Trees absorb pollutants, and when planted strategically, act like a protective curtain'
Navigating Madurai's peak hour traffic is a daily nightmare.
Apart from the vehicles, there are the dust and the fumes to contend with. All of which have put Madurai on the Central Pollution Control Board's list of cities violating the National Ambient Air Quality standards.
Madurai is one of four cities in Tamil Nadu identified with high levels of Suspended Particulate Matter (SPM) and Respirable Suspended Particulate Matter (RSPM). The list identifies the main cause of pollution in the city as being from vehicular emissions.
"While many new vehicles manufactured and sold in the market come with green tags which signify lower emissions, most vehicles are expected to adhere to the emission control measures that have been specified," says K Muthuchelian, School of Energy Sciences, Madurai Kamaraj University and Former Vice-Chancellor, Periyar University.
"However, most heavy vehicles such as lorries and buses, as well as autorickshaws, which have been plying for many years, as well as old models of vehicles which are still in use, are the main culprits" he points out.
More than 14,000 autorickshaws, including share-autorickshaws, ply on the roads and more than 800 public transport buses are registered with the regional transport offices in the city. With rapid urbanisation, the number of vehicles has steadily increased over the years.
Approximately 50,000 vehicles ply the city's roads every day.
According to information culled from the records of the Regional Transport Office (RTO) — North, an average of 16,000 vehicles, which include two-wheelers, four-wheelers, and permit vehicles that include lorries, tourist cabs, private and public buses, are registered every year.
With the number of vehicles seeing a rapid increase every year, areas that are thickly congested with traffic bear the brunt. Traffic policemen and officials from the RTO have been cracking down on passenger vehicles and insist that a Fitness Certificate (FC) be renewed every year.
"Vehicles that are more than 15-years-old and are owned privately should be disposed of or serviced. Most manufacturers offer the FC for such vehicles at the time of purchase which is valid for a certain period of time," a senior RTO official said.
According to a study carried out in February 2013 by Enviro Care India, an environmental organisation working in the city, levels of PM 10 and PM 2.5 which make up particulate matter smaller in size than SPM are beyond the permissible limits.
"The increased presence of PM 10 and PM 2.5 indicates higher levels of pollution and pose a higher risk to the public since this can cause a host of respiratory problems," says Rajmohan S, Managing Director of the organisation.
While vehicles are a direct cause of the unclean air with their emission of particulates, the dust and sand on the roadside add to the pollution as they carry the particulate matter which are suspended in the air.
"It is a common sight to see heaps of sand accumulating on the roadside. The more the vehicles that zip through these roads, the more the suspended particles that settle in the atmosphere" T. Velrajan from the Department of Civil Engineering of Thiagarajar College of Engineering, points out.
"This matter, which is suspended in the atmosphere, is constantly inhaled by most motorists and pedestrians. This causes problems such as irritation in the eyes and throat, as well as breathing problems," he says.
The problem is magnified during the monsoon, says Mr. Rajmohan. "While the roads are slushy during the rains, the mud dries up and adds to the dust released into the air," he says.
The best way to keep the air in residential and commercial areas clean is to plant more trees.
"People should take to planting trees and this should be enforced along highways and places which record high levels of particulate matter," Dr Muthuchelian points out.
"Trees absorb pollutants, and when planted strategically, act like a protective curtain around houses and institutions, as well as highways which witness increased vehicular movement and dust," he adds.
Echoing his point, Dr Velraj emphasises the need to increase and implement afforestation measures. "While the increase in vehicles is a part of urbanisation and can't be prevented, we should seek to redress this by increasing the green cover rather than curbing lifestyle choices," he says.
Keywords: Madurai traffic, Madurai pollution level, vehicular emission


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Irish pension reserve seeks single buyer for private equity portfolio
06 December 2013
Ireland's National Pensions Reserve Fund is seeking a single buyer for slightly more than $1 billion in global private equity assets as the pension fund shifts its focus toward domestic investments, said several people with knowledge of the matter.
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MSH 2010 Nancy – L'enjeu des retraites
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Kent - Alexander Pope J920313 CHISWICK HOUSE, London. "Alexander Pope" 1735 by William KENT (1685-1748). After conservation. Alexander Pope (1688-1744). English poet and satirist.
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Three new crew members arrive at the International Space Station.


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Soaps Boards :: The Young and the Restless Forum :: sigh ...nothing happening!!!!!!!!!!!!!!!
Please register and login to be able to post in this message board.
lovealldogs |
I haven't bothered to watch once in the past few weeks because NOTHING is progressing. Very, Very boring. NOT ONE s/l is close to rapping up. |
Rilynne |
Sorry you feel that way. I have been enjoying Y&R. My complaint would be I cannot stand the new Billy, I so... miss Billy Miller. This new Billy doesn't have the chemistry with Victoria so now the dynamics have changed for me. Other than that, I like it. Come on back, maybe May sweeps will catch your interests. |
Rilynne |
Sorry dp?? |
frostysmygirl |
Sorry you are not enjoying the show I am enjoying it very much. Some stories need to come to en end though like u said |
Chalen |
I have been enjoying the show very much also. I love the new Billy (Mr. Tom). I am opposite to most people, I never liked the old Billy at all!! |
Woodsgirl |
Quote lovealldogs: I haven't bothered to watch once in the past few weeks because NOTHING is progressing. Very, Very boring. NOT ONE s/l is close to rapping up. ever single s/l has come to a stand still. So many should just be thrown out... and start over. Sorry about the rant but plesssssssss Y&r has turned in one LONG SNL skit. Many of us posters here could do a much better job at writing.... and it wouldn't take much effort. sigh Agreed. I thought yesterday"s show was so boring. Can't stand Colin and Jill story line. Tried to like nuBilly, just across as a whiny kid. Could go on but won't. I'm falling asleep just talking about it! |
jb4me |
Agree, too many storylines moving at a snail's pace but I'm hanging in there anxiously awaiting an Adam/Connor/Chelsea reunion and I can't wait to find out if Paul is Dylan's father. I hope these storylines live up to my expectations!! |
moehop |
I like some of the SLs but I have to agree that some have drug out way too long. |
Coonfoot |
I am enjoying this soap for a change. I love seeing the veteran actors doing what they do best..... Really loving the Shick scenes (been waiting patiently for them to get back together for a long time). I like Jill and Colin. They had to get some sort of love interest for Jill...might as well be Colin. They are comic relief to me, just like Gloria and Jeff. |
Deana4Villy |
There used to be this really artful balance where there might have been 4 or 5 story lines going, but they were all in different levels of progression. Every Friday was cliffhanger Friday, and while one story was climaxing, another one was heating up ready to be that cliffhanger the next week. Then there were generally two that were just progressing, and one that was just a hint of what was to come. Lately, it's all drama, or all just progressing along, it seems. I miss the balance. |
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- Dishkiyaaoon (2014) Movie StillsPosted 10 months ago
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Dhan Dhana Dhan Goal [2007] | Old Hindi Songs MP3
Dhan Dhana Dhan Goal directed by Vivek Angihotri was released int he year 2007. Music of the movie is given by Pritam Chakraborty. Dhan Dhana Dhan Goal hindi songs are sung by Javid Ali, Anand Raj Anand, Richa Sharma, Daler Mehendi and others. The movie stars John Abraham, Bipasha Basu and Arshad Warsi play the lead roles.


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Shop now and get Free Value Shipping on most orders over $49 to the contiguous 48 states, DC and to all U.S. Military APO/FPO/DPO addresses.
We want to ensure that making a return is as easy and hassle-free as possible! If for any reason you decide that your purchase just isn't for you, simply return the item within 30 days of receipt and we'll cover the cost of return shipping. Learn more about our Return Policy.
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☺ Featured in Daily Inspiration #398
Girl - http://godo-stock-inthewall.deviantart.com/
Rose - http://umbradenoapte-stock.deviantart.com/gallery/6721585#/d1mb2az
Ruffle Skirt - http://b-squaredstock.deviantart.com/
Hair Brushes - http://gorjuss-stock.deviantart.com/
Background - http://princess-elincia.deviantart.com/
Clouds and pattern - my own resources
Pretty. Suitable for my Fashion group http://shadowness.com/Fashionlovers/
Nov 13th, 2012 ReplyBeautiful photomanip work! I love the concept and the way you turned it into such a beautiful image. Nice the almost monochromatic tones which gave the work an elegant touch.
Apr 19th, 2012 ReplyCongratulation!
Your art is very inspirational to all of us artists and at Shadowness we like to thank our amazing artists for all they do, to show our appreciation for you, your artwork has been featured in todays Daily Inspiration #398


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Edit Credits- Prison Break: The Final Break (2009) (V) Played by Lori Petty
... aka "Prison Break: The Movie" - Israel (English title) (TV title) - "Prison Break"
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35 Awesome Premium Wordpress Themes of January 2011
Show Summary | Posted by pseudonymus 1534 days ago | Category: Web Design
WordPress has great plans in 2011. They want to take a release cycle off from the WordPress software to focus on expanding and improving the WordPress community. But at the end of the year, they`ll come with the next version, WordPress 3.1!
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- Home >
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Rector's Welcome Message
Welcome to European University Cyprus (EUC), member of the Laureate International Universities, a leading worldwide network of quality, innovative institutions of higher education.
European University Cyprus holds a very special place in Cyprus and in the region of Southeastern Europe. It is an innovative institution defined by its dynamic integration of advanced educational programs, pioneering research, and extensive engagement with community, industry and society.
High quality programs, research excellence and connectedness, employability and state-of-the-art infrastructures contribute to our overall objective that European University Cyprus is known nationally and internationally as one of the leading teaching, learning and research institutions. That is why European University Cyprus forms an essential part of the social and economic fabric of the region of Southeastern Europe.
As a result, our students obtain both valuable workplace knowledge and civic consciousness.
By integrating teaching and research in our curricula our Academic Model makes an enhanced student education environment the priority of our operation.
Our high quality faculty is committed in participating and contributing in the knowledge-based society.
European University Cyprus is one of the top universities internationally for attracting students from around the world. The many prospects for our students to study abroad and incorporate an international academic experience into their university education, further enriches student experience at European University Cyprus.
At European University Cyprus, sharing Laureate International Universities` vision, we aim to make quality higher education accessible and affordable so more students can pursue their dreams.
It's a mission we believe will help make the world a better place.
Prof. Kostas Gouliamos


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Sephora VIB Reward Cards $20 off $50
Last week I blogged that Sephora sent out VIB Reward Card as well as BI Reward Cards. This is for $20 off $50 or $15 off $50 depending on your VIB or BI status. I got the card via snail mail however, today, I also got an e-mail from Sephora confirming my reward card status.
You have from today until December 11th to use the card.
If you didn't get it via snail mail double check your email inbox as well as your spam box and see if it arrived via email. Please, if you didn't get one, don't shoot me! *Holds hands up in fright!* I'm not Sephora, I don't work for Sephora, I didn't send these cards out, I am not affiliated with Sephora, etc…etc…etc…! I'd suggest calling them, tweeting, or Facebooking if yours didn't arrive as maybe they can help. I don't have insider information about the reward cards unfortunately.
Good Luck!
I hope yours arrived!
Happy Shopping!
11/29/12 21:04 Jamie:
hey muse! are these able to be redeemed online?
11/29/12 21:12 the Muse:
yes jamie in store/or online!
12/1/12 23:45 Jessica:
I can't use it online because it wants a pin?!?! Suggestions?
11/29/12 21:07 Sarah S.:
I got and used mine already
11/29/12 21:12 the Muse:
yay deets on your buys!?
11/29/12 21:46 Sarah S.:
I got a UD Cobra shadow to complete my 6-pan build-your-own palette (other colors in mine are Chase, Maui Wowie, Roach, Foxy, and Mushroom), a Korres mascara, Boscia peppermint blotting linens, and a Lavanila Vanilla Lavender Deodorant… not crazy-exciting, but stuff I'll actually use
11/29/12 22:28 the Muse:
yay! nice haul lmk how you like the peppermint blotting linens I LOVE those things!
11/29/12 21:10 katie:
A sephora rep said today on facebook that emails are going out today and tomorrow. If anyone hasn't received one by Dec 1st to contact them. I hope everyone got one by now! I waited most of the day for mine. It was hard trying to be patient!
11/29/12 21:22 Emily:
Aah it's both amazing and cruel that this has come along so soon after the VIB event earlier this month! I want to use this, but don't know if I should… Too bad the Tarte Carried Away set is currently out of stock! I was thinking of getting ONE higher end item that I wouldn't normally pay full price for, such as something from Guerlain or Dior or NARS. Any suggestions, Muse?
11/29/12 22:29 the Muse:
emily wait a little while girl you have until dec 11th maybe the carried away will pop back in stock ;-D nars orgasm and super o are totes my fav ;-D have them already!? or another nars blush shade!
11/29/12 21:29 Renee:
Whoop whoop i got one today! $20 off! Nice sephora since i missed out in black fri and cyber mon
11/29/12 22:23 Melody:
I missed out, too! so I'm super excited I got my VIB card today, too! W00t!
11/29/12 22:27 the Muse:
happy shopping mel! nows your chance!
11/29/12 21:37 Jeri:
got mine
11/29/12 21:44 Al:
Oh Muse! You poor dear!
Don't you worry! I'll throw myself in the crossfire if someone tries to shoot lol.
11/29/12 22:29 the Muse:
LOL al i love you long time right now <3!
11/29/12 22:05 Bethany:
Got; spent it; it's arriving tomorrow! I was going to haul Tarte Blushes, then I moved on to LM caviar sticks, but I settled on the Lorac Pro Palette and a clearance Tarina Tarantino blush! Also added the mystery sample bag with the "underwraps" code, and got my birthday treat!!!
11/29/12 22:28 the Muse:
bethany excellent pic on the tt blush, her blushes are amazings!
11/30/12 11:58 Majick:
I really wanted the TT dollskin palette. I should have ordered it without the coupon. It sold out at around 10:30 and I couldn't use the darn code until midnight.
Oh, too bad, too sad, I had to settle for the Hourglass Set of primers, mascara, and lipgloss. WHOA! is me. LOL
I think the whoa was because I also got the hourglass lip gloss in ICON!
I can't wait to get my stuff. I normally don't buy hourglass until this coupon comes in or I have a gift certificate. I'm still a happy camper even if I missed the TT blush palette.
11/30/12 14:28 Ruth:
you're going to love ICON, it such a beautiful red *swoon*. it applies so smoothly and last for quite some time. it fades evenly and also leaves a bit of a lip stain
12/1/12 10:00 Majick:
11/29/12 22:08 BLee:
Cha-ching…my order was made. Thanks Sephora LOL It was burning a hole in my green fuzzy pants
11/29/12 22:27 the Muse:
fuzzy green pants? can we get a pic of that?
11/30/12 8:52 BLee:
Ya, the Grinch who left Whoville and went to Sephora:D tee-hee
11/30/12 10:34 the Muse:
aw hehehe!
11/30/12 0:32 Jason:
OH MUSE! Got mine and spend it all today…
I'm on a NARS kick at the moment:
NARS tinted moisturizer
NARS orgasm blush
NARS lhasa eyeshadow
NARS casino bronzer:3
oh MUSE I am so so excited to use my 20$ card!!!!!
I won a holiday greeting card contest at my community college~!! I won 300$ I get the check next friday! I can't wait to spend it!!!! (I haven't bought any makeup since the Guerlain Pucci meteorites!!!)
11/30/12 0:37 Alanna:
Got mine this morning, spent it after my shift tonight! I was a good girl and got my mum an extra buxom mascara that she likes, and for myself I picked up an urban decay 24/7 eyeshadow pencil in morphine, and a sephora "jumbo liner 12HR wear" in silver glitter, it was exactly the shade of silver I wanted (not too gray, not pearly- it's like a nice almost mercury color). I think the associate thinks I'm crazy, I always send her on swatching missions for me LOL. The backs of our hands looked like warzones.
11/30/12 0:38 Alanna:
forgot to mention I totaled a cool $51 before the coupon ;D I was so proud
I got mine yesterday! ^^ Not sure if I should spend it on a few little things, or one really big thing (tempted to splurge on Guerlain's Meteorites).
11/30/12 4:59 cat:
I already purchased that nice big Marc Jacobs Dot set for Black Friday/Cyber Monday because of the great 10% deal Ebates was offering. Not sure what to spend $50 on but I'm sure I'll think of something by December 11.
11/30/12 5:00 Virginia:
The BI is only til december 10th! at least mine is
11/30/12 7:48 Gabby:
blargh. i can't decide between UD Naked and Lorac Pro lol…
11/30/12 11:59 Majick:
I think I lik UD Naked II, then LORAC Pro, then UD Naked.
just my opinion… -
11/30/12 18:10 Robin:
Wanted to let you know that I have the Pro palette and it's lovely. Great pigmentation and range of colors.
11/30/12 9:25 Alexis:
My husband asked that I forward it to him along with my wishlist so he can buy one or two things for Christmas. He's so thoughtful! I just hope he doesn't forget about it.
11/30/12 9:37 the Muse:
aw such a sweet hub alexis!
11/30/12 9:26 OrangeLipstickBlog:
Remember how I told you I wasn't getting anything from them in the mail or my email? Well, I called Sephora and they said they have me down to be receiving stuff by both methods. The girl was just as confused as I am. I told her I was going to FREAK OUT if they didn't get me this $20 off coupon lol. I think I'll call again if I haven't gotten it by Dec 1.
Thanks for letting us know it is SUPPOSED to be on its way!
11/30/12 9:37 the Muse:
I hope it arrives soon chica! I'd def call them again tomorrow if it doesn't arrive, someone mentioned in the comments they'll help you via phone if it didn't arrive!
11/30/12 11:36 OrangeLipstickBlog:
Finally managed to place my order by phone. (What is up with that? Did people have to do that before the internet? How barbaric!) Anyway, managed to get a Clinique Chubby stick and Clinique Whole Lotta Color set for my mom's Xmas. The total was $50.50 before tax and I managed to get the whole thing for $32.94! Sweet! I love feeling like I've made a major score lol.
12/4/12 16:49 the Muse:
yay glad you got it workin'! ;-D hey at least the discount went through even if it wasn't via the site ;D!
11/30/12 9:39 Jas:
yay!! I used mine and got the Bare Minerals Fired up palette, which was on sale for only $39 (orig $54)!!! I also got some TT eyelicity glitter liner!! woo hoo!!
11/30/12 10:30 the Muse:
yay nice haul jas enjoy!
11/30/12 10:08 Ruth:
you mean that YOU aren't sephora?? what is the world coming to??
11/30/12 10:28 the Muse:
lol ;-D
11/30/12 10:28 the Muse:
i always get so terribly sensitive whenever starts yelling about not getting their reward…! I dunno what to say/do? ;-D
11/30/12 10:59 Ruth:
you know what happens to the messanger, right? last i checked, you don't make the rules or hand out the discounts. if you did, our makeup coffers would be overflowing! oh, wait, they ARE! as much as i enjoy my makeup, it's just makeup. it's supposed to be fun and we gather here to share a hobby not holler and fuss and the one that hosts this for us. my 2¢
11/30/12 10:50 lauren:
Thought I might die waiting for it lol. Only picked up some basics. Nars single shadows in Ondine and Ashes to Ashes, UD Naked gloss, and a Jack Black lip balm. Also snagged one of the itkits with all kinds of skin goodies!
11/30/12 10:51 Tennyoceres:
Yeah I got mine too! I'm going to raid the big Sephora in San Francisco. Hmn the Sephora Metals eye palette or Bumble and Bumble conditioner or Urban Decay Ocho Loco or the Flowerbomb set I've been wishing for since it came out? So many choices! Merry Christmas to me!
11/30/12 12:07 Jen:
Got it and spent already! Got some new cologne for the hub for Christmasamd a Dior Lip Glow! I went a bit nuts with the VIB sale, so couldn't do it again…
12/4/12 16:45 the Muse:
yay enjoy jen!
11/30/12 12:30 Peg:
I used mine yesterday to get the Tarte Carried Away Collector's set! YES!!
11/30/12 13:38 the Muse:
yes enjoy peg!
11/30/12 12:39 AnniLau:
Did you see their new brush set? I'm considering it, but I want to know if the concealer brush is the same as the 'Airbrush' one you recommended. It looks sort of similar online, but that doesn't necessarily mean anything. I don't have a local Sephora, so I can't ogle it in person.
11/30/12 13:21 Laura H:
Just to let you know I live in Canada and I just got an email with the coupon in it, it can only be used in store though.
Got it in the good old fashioned mail. yay
11/30/12 13:47 Danielle:
I most definitely recommend contacting them through their Facebook! So helpful ~ I was concerned about my Black Friday order (just the TOKYOMILK/Dark trio and a Diesel Loverdose BI reward, nothing fancy) and they got right on it. Somehow, my shipping was boosted up to next day free of charge! Love them so much.
11/30/12 14:01 Iris:
Got mine yesterday night via email, so Canadians do get it. $15 off $50 for B.I.
11/30/12 18:29 crango:
Got mine the other day and took my mom to Sephora today since she's been needing to replace a lot of her old makeup. Glad we went! She got the Stila Snow Angel palette and some Kat Von D value set, both of which had just gone on sale!
12/4/12 16:44 the Muse:
nice crango ;-D enjoy!
12/1/12 1:54 Deanna G.:
Didn't get one.
12/1/12 3:32 blueraccoon:
Used mine I picked up ExfoliKate, the BM Ready Luminizer, and I'm trying the Caudalie Divine Oil. Now I have to sneak past the hubby and pick up that Burberry lip cover set *g*
12/4/12 16:43 the Muse:
nice haul ;-D!
12/1/12 21:58 Melissa:
I got my email and used it already. I bought the mmufe eyeliner set with the 2 full size and 4 minis, a mufe pencil sharpener, anastasia brow gel color (new for me and I love it!) and the jose maran travel set! I also scored the very last buxom mascara/lipstick $10 set in the state. (I sware it was the last one because it showed in stock at 4 stores in Arizona and I found one 45 minutes from home that held it for me until I got there.) I LOVE the buxom mascara. I'm not sure I ever tried this one but the adjustable brush is cool and it really works nice on my lashes.
I wasn't able to haul too much at the 20% off sale so I was thrilled when this coupon came. I'm going to watch the freebies and vib mailers for the next items I need/want I have to spend another $35 by the end of the year to keep my VIB status and after revieweing all the fab vib gifts I scored this year (hello mufe and nars sets and ojon shampoo and dr brandt 500 pointer) I think I want to keep my status.-
12/4/12 16:43 the Muse:
great haul melissa ;-D enjoy!!!!
12/3/12 9:56 Ruth:
i'm having serious issues…i don't know what to get! I hauled some great stuff during the vib sale and now that there's free money, i'm at a loss.
12/3/12 13:38 Nicki:
I'm at a loss as to if I want to get myself anything! I'm going to finally haul the Tarte blush set for my mom, but I don't know what I could get myself. Maybe just a philosophy shower gel?
12/3/12 15:42 the Muse:
nicki don't bother, philosophy has shower gels 3 for $33 on the site! don't bother wasting your rewards on one ;D
12/6/12 17:55 AnniLau:
I can't decide what I want. I keep putting things in my basket and then taking them out again. *sigh*
12/7/12 9:24 the Muse:
same here!
12/7/12 12:27 AnniLau:
I finally settled on the Sephora Airbrush concealer brush, a silver glitter polish, and a Clinique Chubby Stick in Broadest Berry. The other things I was considering will just have to go on the shopping list until the holidays pass and I can self-gift with more vigor.
12/7/12 13:08 the Muse:
dat's a very nice haul! You're going to love the airbrush concealer…let me know whatcha think of it all!
12/6/13 14:33 Susan F.:
I got my card, but am too dumb to be able to find the code on it to apply it on line! Where do I find the code on the card? I just see barcode and pin numbers….
12/6/13 14:37 the Muse:
use it as a gift certificate during check out
12/6/13 14:39 Susan F.:
I can't get to a store, so I need to use it online, and the barcode etc. (zillion little numbers) on the back and the 7 tiny numbers on the front don't work. Argh, I'm dyin' here! Thanks for getting back to me so quickly Muse!!!!! xoxo
12/6/13 14:40 the Muse:
no prob just check out via gift certificate it works the same as one would! good luck!
12/6/13 14:47 Susan F.:
Thank you, thank you, thank you! I got it to work that way and got the Naked 3 for $36.21 with tax!!! I'm so excited. You're simply the greatest.
12/6/13 15:00 the Muse:
fantastic! wear in health! my pleasure!


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Fireman's Fund Announces New Insurance Coverage for Fire Departments
NOVATO, Calif. (Dec. 3, 2010) – For more than 140 years, Fireman's Fund Insurance Company has been a loyal supporter of the fire service and today, it is announcing a new suite of insurance products for fire departments.
Fireman's Fund is partnering with Fire Insurance Risk Enterprise, LLC, to offer comprehensive insurance solutions to fire departments and districts. Insurance products include professional liability, medical malpractice, property (includes equipment and vehicles), and umbrella.
"In working with fire departments, our real goal is prevention – to help reduce claims in the first place," said Jeff Griffin with Fire Insurance Risk Enterprise. "We are placing a heavy emphasis on auto driving safety and offering appropriate coverages to protect the departments and districts."
Currently, this insurance is available to any public fire department or district in 11 states: Arizona, Idaho, Montana, Nevada, Utah, Washington, Illinois, Indiana, Wisconsin, North Dakota, South Dakota, and Colorado. Fireman's Fund and Fire Insurance Risk Enterprises plan to expand the program nationwide.
"We have a long history and connection with the fire service and are very forward-focused on safety and prevention," said Lori Fouché, president of Commercial Insurance at Fireman's Fund. "Fire departments across the country have long asked us to create an insurance product designed just for them. With the expert claims service provided by Fireman's Fund, fire departments will not only receive the best coverage, but also the best claims response should something happen."
Fire departments or districts interested in receiving a quote or learning more should call: (877) 743-4737.
About Fire Insurance Risk Enterprise, LLC
Fire Insurance Risk Enterprise, LLC provides a variety of risk management services with a proven record of accomplishment that includes low loss ratios and excellent client retention for the agent. Its approach is to blend classical risk management techniques with specific techniques to address fire service exposures. Instead of "Telling the organization how to be safe," FIRE LLC works with the agent and the fire department to embrace a stronger safety culture. This collaboration permits organizations to perform their dangerous tasks in the safest manner possible.
About Fireman's Fund
Fireman's Fund Insurance Company is a premier property and casualty insurance company providing personal and commercial insurance products nationwide. It is rated 'A+' by Standard & Poor's Rating Services as of November 23, 2010. Fireman's Fund is a member of the Allianz Group, the world's largest provider of property and casualty insurance. For additional information, visit www.firemansfund.com.
Our Heritage
Our company was founded in 1863 with a mission to donate a portion of our profits to support the families of Firefighters. We're continuing that tradition today through our Heritage Program. To learn more, visit our Web site at www.fireman'sfund.com/heritage


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'Tutankhamun: The Golden King and the Great Pharaohs' Opens June 27 at the Children's Museum of Indianapolis
"Tutankhamun's magic still captures the hearts of people all over the world, even though more than 85 years have passed since the discovery of his amazing tomb," said Zahi Hawass, secretary general of
The exhibition is organized by National Geographic, Arts and Exhibitions International and AEG Exhibitions, with cooperation from the Egyptian Supreme Council of Antiquities. A portion of the proceeds from the tour will go toward antiquities preservation and conservation efforts in
"We have a longstanding partnership with Dr.
The exhibition features an audio tour and National Geographic video documentary, both narrated by award-winning actor,
"Egypt's ancient treasures are among the world's greatest cultural legacies," said
Teachers throughout the state of
To further the exhibition experience for students, The Children's Museum has created Units of Study with customized lessons created in conjunction with the exhibition for students in grades 3-5, 6-8 and 9-12. These materials are available free of charge at www.ChildrensMuseum.org. Designed to supplement class trips and curriculums, these materials let students become "Curious Egyptology Investigators" (CEI), using the strategies of Egyptologists and archeologists to discover clues and reveal learnings about the lives and customs of Egyptian royalty.
Northern Trust is a proud cultural partner of the tour, and American Airlines is the official airline.
"Corporate citizenship has been a focus at Northern Trust since our founding in 1889. We are proud to uphold this legacy by supporting important initiatives that promote cultural education and awareness," said
"American Airlines is thrilled to have a role in bringing 'Tutankhamun: The Golden King and the Great Pharaohs' to Indianapolis," said
On display from
Tutankhamun was one of the last kings of Egypt's 18th Dynasty and ruled during a crucial, turmoil-filled period of Egyptian history. The boy king died under mysterious circumstances around age 18 or 19, in the ninth year of his reign (
The exhibition includes more than 50 treasures from Tutankhamun's tomb presented alongside artifacts representing other important pharaohs and notables, along with the latest scientific research about King Tut. The storyline focuses on the splendor of the Egyptian pharaohs, their function in the earthly and divine worlds, and what kingship meant to the Egyptian people.
Four galleries devoted to King Tut correspond to the four rooms of his nearly intact tomb, where the treasures were discovered by British explorer
A special area features CT scans of Tutankhamun that were obtained as part of a landmark, Egyptian research and conservation project, partially funded by National Geographic, that will CT-scan the ancient mummies of
"Tutankhamun: The Golden King and the Great Pharaohs" is the second National Geographic exhibition dedicated to the remarkable treasures of King Tutankhamun and ancient Egyptian royalty. The other exhibition, "Tutankhamun and the Golden Age of the Pharaohs," opens
Information and tickets to the exhibition at The Children's Museum of
The exhibition will be open during the following times: -- June 27 - Aug. 1 -- Sunday - Thursday from 10 a.m. to 5 p.m.* -- Friday - Saturday from 9 a.m. to 6:30 p.m. *Special Thursday Hours: July 2 from 4 - 8 p.m. -- Aug. 2 - Oct. 17 -- Sunday - Thursday from 10 a.m. to 3:30 p.m.* -- Friday - Saturday from 9 a.m. to 6:30 p.m. *Special Thursday Hours: Aug. 6, Sept. 3 and Oct. 1 from 4 - 8 p.m. Aug. 20, Sept. 17 and Oct. 15 from 4 - 8 p.m. (ADULTS ONLY) -- Oct. 18 - Oct. 25 -- Sunday - Thursday from 10:30 a.m. - 6:30 p.m. -- Friday - Saturday from 9 a.m. - 6:30 p.m. From Sept. 14 through Oct. 19, Monday's will be reserved for school groups only (9:30 a.m. - 1:30 p.m.).
On weekdays (Mondays – Thursdays), ticket prices are
Hotel packages including VIP tickets that do not require pre-reserved times and dates are available at www.kingtuthotels.com.
About The Children's Museum of
The Children's Museum of
CONTACTS: Donna Lolla, Laura Calliari, Indianapolis Children's Museum Arts and Exhibitions International 317-334-4003 / 317-363-9840 (cell) 424-247-8619 / 310-941-8780 (cell) email@example.com email@example.com
SOURCE AEG Exhibitions


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I got my I-37 delivered on the 31st of October.
I saw this Disk Shaped Item and assumed it's -- Ant. or GPS Receiver.
I looked at it for ID Markings and found nothing, they may have faded out over time. The boat had a Garmin 12 in it; this could be the old receiver for the Garmin 12 or another GPS system ? I don't know boat electronics at all,
so I'm asking.. what is it ______________ about 9 inch disk, (1) lead outlet ?
Also, I found a Shakespere Ant.. I assumed that this was for the VHF that plugs into the top of the mast ? How do you check them out for the correct impedence value ? I remember matching up my twin ant's. on my big truck; I had a high wattage radio for long range use. I assume that your radio and ant's. (in boats) need to be matched up. So, you can't take the boat to a radio shop. I was wondering what value range is acceptable ( _____ high &
______ low in olms).
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EA Games gets a big facepalm for this from me.
List of The Sims 2 Sites
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My Stick Figure Family is a range of high quality customised family car window stickers that peel onto the inside, back or side window of your car.
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We thank the RVA (Congolese Air-traffic Control) and Hewa Bora and their staff for having made his transfer so easy, to rejoin his own here at Lola ya Bonobo. Here he is on his first day in Lola.
Shibo with Fanny and Roxanne on his first day at Lola.
Now it is Maman Micheline's who will give him the love, the attention and the protection that he needs. See how Shibo enjoys bath-time, here with Maman Espérance.
"Welcome to Lola Shibo…"
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Frank Nagase (フランク 長瀬) He's the owner of a cafe called Echoes. He doesn't communicate with the other characters and is often found listening to music using headphones in a storage closet in the shop.Voice Actors No voice actors have been added for this character, add an actor from our database. |


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Bonsai expert talks to garden club
The Bainbridge Island Garden Club will hold its next monthly meeting at 9:30 a.m. Monday, Nov. 12 at the First Baptist Church (Highway 305 and Madison Avenue).
The program will be a first-hand, in-depth look at the wonderful art form of bonsai as presented by Dave Dewire of Wabi Sabi Bonsai in Hansville. Bring your bonsai plants for Dewire to critique and discuss. All are welcome.
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On this day in 1797, Isabella Baumfree (Sojourner Truth [6]) was born in Ulster County, New York. Sojourner Truth was a former slave, women's rights activist, abolitionist, and great orator. On November 26, 1883, Sojourner passed away in her home in Battle Creek, Michigan. Her last words were said to be: "Be a follower of the Lord Jesus."
Kierra Jackson is the marketing and circulation assistant for Sojourners [7].
[1] http://sojo.net/blogs/gods-politics
[2] http://sojo.net/biography/kierra-jackson
[3] http://sojo.net/blogs/2008/11/18/happy-birthday-sojourner-truth#comment-covenant
[4] http://sojo.net/letter-to-web-editor?post=Happy%20Birthday%20Sojourner%20Truth%21
[5] http://sojo.net/donate
[6] http://www.sojo.net/index.cfm?action=magazine.article&issue=soj0109&article=010923
[7] http://www.sojo.net


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You've spent time editing your video but it's missing something. It needs some backbeat, more emotion, a pumping soundtrack, right?
You've spent time editing your video but it's missing something. It needs some backbeat, more emotion, a pumping soundtrack, right?
Beware: for a novice the path to legally using music on the internet is long and twisty and fraught with many deadly perils. Well, that's a bit of an exaggeration. It's actually easy to find free to use music, for the novice and the master alike. Let's make you a master.
In most places, copyright is automatically applied to songs, videos and music when they are made so when you want to use someone else's music for your triple j Road Trip Relay videos, you'll have to get permission. Here's a quick mental checklist to help you decide whether the song you want is kosher.
If the answer is 'no' to all of the above then you're going to have to find another song. Here are some options to ensure fine music ends up under your fine video.
Option 1 is to make a song yourself, if you're into creating music you can use software like Garageband, Soundtrack, Logic or Protools to record your own tracks.
Option 2 is asking an artist if you can use their song, keep in mind that you'll need their permission in writing. If the artist is signed to a record label or there is a third party interest in their publishing you will need permission from that third party. For this reason it is best to approach unsigned and independent artists.
Don't be shy, artists love to get their music out there, especially up and comers. If you ask they are often happy to oblige. Try finding a band on triple j Unearthed from the region you are travelling through and ask them if you can use one of their tunes. You can get in touch via the Unearthed site or it may be quicker to contact them on Facebook.
Option 3, you can delve into the magical world of Creative Commons. Lucky for those of us who are both shy and tone-deaf, there is a system called Creative Commons that artists use to tell us that it's OK to use their music. We don't even have to ask, but there are some considerations.
Most important is the type of Creative Commons licence you use.
Just to give you an idea, here are some Creative Commons licenses that are appropriate for your video.
Non-commercial - this means you can't sell your final video with the music attached, so if someone wants to buy your video in the future you'd have to change the music.
By Attribution - with this licence, you just need to give the artist a credit in the description or 'video credits' field when you upload it to ABC Open.
You can usually find the type of licence by mousing around on the songs homepage. Find out more about Creative Commons.
Here are a few places where you can find some Creative Commons music for your video, keeping the above considerations in mind…..
Vimeo Music Store - if you upload your video to Vimeo they have a music store chock full of Creative Commons music you can use. Here's a tutorial on how to use it. Youtube also offers music that you can use for your video.
Internet Archive - the Internet Archive has lots of music you can use that is Public Domain, kind of like Creative Commons but different.
Incompetech - Kevin Mcleod is a professional scoring artist, he scores a lot, and you can use one of the many scores he uploads to his Incompetech website.
Moby Gratis - Moby (as in the famous bald vegan musician) makes a heap of music for non-commercial purposes. Some of it is great.
Free Music Archive – There are a wide range of Creative Commons tracks on the Free Music Archive.
CC Mixter – Another great resource for Creative Commons tracks.
Legal music for videos - This website has more info and links to some more Creative Commons music libraries.
So there you have it, a bit of a run down on the ins and outs of using music online. If you have any other questions, comments or suggestions then let us know in the comments.
Please check your inbox and click on the link in this email within the next 2 days to complete your subscription.
If you don't find the confirmation email in your inbox, please look in your 'junk' mail folder (also sometimes called 'spam').
Thanks, tips, http://tracktourmusic.com/ it was direct download, and no cost!
Thank you for this information. BTW I love your expression 'mousing around'! Perfect.
Also if you are musically inclined you can have a go at making your own music in the apple app Garage Band.
Thank you for your comment to ABC Open! You will receive an email when your comment has been approved.


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Our mobile surgical unit travels to over 25 communities in Minnesota and Western Wisconsin, or you can visit us at our brick-and-mortar location, the Melrose Animal Clinic in Golden Valley, Minnesota.
Kindest Cut downloadable brochure


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Super 32 Challenge - October 26-27, 2013
"Good things happen when you wrestle for a full seven minutes." -- Jayson Ness, post-finals press conference
I thought Jenkins wrestled very well against Metcalf. After the first period I knew Metcalf would score more points on Jenkins, but I was in shock after the first period. I didn't see him wrestle his way to the finals, but I knew the opponents he beat to get there and the scores of each match.
Saying Metcalf is not an athlete is very odd. Of course he is a great athlete. He doesn't appear as athletic as Poeta, GG, Caldwell, Leen, or even Jenkins, but he gets the job done through hard work and his desire to win. I'm sure Bubba really wanted to win, but I would bet Metcalf wanted to win even more and had trained himself better during the year with conditioning etc.
I interpreted what Jenkins said after the match as him keeping a positive note on his performance, letting Metcalf know he isn't afraid of him, and that he will beat him in the future possibly. That's what I got from it anyhow.
Is there a video of Metcalf pinning Jenkins? I'd like to see that.
You would think that Penn State would have "handlers" who would have coached Jenkins on how to give an interview. He's a fine wrestler but that was an embarassing series of answers.
When you have very little oxygen left your brain doesn't work to well for interviews. I thought Bubba was starting to get winded by the middle of the second, and Brent does not get winded. Seems like he goes even harder in the third period than anyone else.
See you in St. Louis!
I think that is a common misconception about Metcalf, of course he gets winded. It just takes him a little longer. If you saw his interview afterwards he was breathing hard. Metcalf just doesn't give into fatigue like some others, Bubba is a prime example. Metcalf just pushes through, where a lot of others give into fatigue. JMO. Bubba just needs to memorize some good old boring answers.. I'm disappointed....He's a heck of a competitor....I am going to go back and work harder.
RIP Jacob Schlottke; KR1963 and rpayton
Just want to help my team.
Good lord willing, I will get another chance to get that title.
This will just motivate me for the next opportunity..........................
"Light travels faster than sound. This is why some people appear bright until they speak."


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Faculty Scholarship 1994 - Present
Bluffing and Betting Behavior in a Simplified Poker Game A pure-strategy, simplified poker (PSP) game is proposed, where two players draw from a small and discrete number of hands. Equilibrium strategies of the game are described and an experiment is conducted where 120 subjects played the PSP against a computer, which was programmed to play either the equilibrium solution or a fictitious play (FP) learning algorithm designed to take advantage of poor play. The results show that players did not adopt the cutoff-type strategies predicted by the equilibrium solution; rather they made considerable ?errors? by: Betting when they should have checked, checking when they should have bet, and calling when they should have folded. There is no evidence that aggregate performance improved over time in either condition although considerable individual differences were observed among subjects. Behavioral learning theory (BLT) cannot easily explain these individual differences and cognitive learning theory (CLT) is introduced to explain the apparent anomalies. Copyright ? 2009 John Wiley & Sons, Ltd. |


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38 year old woman | San Diego, CA, USA | Seeking men 35-48 within 100 miles of Middletown, CA
Active within 24 hours
They say you have to kiss a lot of frogs...
My career had me in Vegas for the past 6 years. I'm closing that chapter and have been lucky enough to find a calm little niche to bring me out of the madness and back to California; hopefully with time to date. Im open to new people, places and things. I love to experience life through travel, entertainment, even work.
Book club , Coffee and conversation , Business networking , Cooking , Dining out , Gardening/Landscaping , Movies/Videos , Museums and art , Music and concerts , Exploring new areas , Performing arts , Playing cards , Religion/Spiritual , Travel/Sightseeing , Volunteering , Watching sports , Wine tasting
Aerobics, Baseball, Basketball, Dancing, Football, Other types of exercise, Running, Walking / Hiking, Yoga
I exercise 1-2 times per week.
I have Dogs
Abby McPickles is my partner in crime.
Some other viewpoint
Hbo series seem to rank up there lately. Dining out. Coffee with someone interesting and engaging. My dogs are pretty entertaining.
Socializing over great meals. I try to stay physically active but not obsessive: hiking, running, walking the dog. Travel - NYC, Miami, Mexico, California, Greece, the UK.. I'm a hobby photographer, love movies, reading, lifetime learner!
I'm a confessed book surfer : Wisdom of the Enneagram, Omnivore's Dilemma, the Economist magazine, a lot of PPM's and Executive Summaries for start-ups (work related). My grandmother recently sent me one of my favorite childhood books -amazing!
Her | What she is looking for | |
Appearance | ||
Height: | 5'6" (167cms) | 5'10" (177cms) to 6'10" (208cms) |
Body type: | Slender | About average, Athletic and toned |
Eyes: | Grey | No preference |
Hair: | Dark blonde | No preference |
Lifestyle | ||
Smoke: | No Way | No Way |
Drink: | Social Drinker | Social Drinker |
Occupation: | Executive / Management | No preference |
Income: | I'll tell you later | $50,001 to $75,000, $75,001 to $100,000, $100,001 to $150,000, $150,001+ |
Relationship: | Never Married | No preference |
Have kids: | No | No, Yes, and they live away from home |
Wants kids: | I'll tell you later | No preference |
Background | ||
Ethnicity: | White / Caucasian | Asian, East Indian, Latino / Hispanic, Middle Eastern, White / Caucasian |
Faith: | Spiritual but not religious | No preference |
I've explored various religions to have a greater understanding and appreciation for human diversity. Every religion has compelling components and I've basically pieced together my beliefs. I respect every persons right to have their beliefs. |
Languages: | English | English |
Education: | Bachelors degree | No preference |
Working on my Masters. (slow and sporadic) |


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GOP voters offered no choice for victory
Exclusive: Alan Keyes looks at chances anti-elite Americans might have in 3-way contest
In February 2009, a Newsweek cover story proclaimed "We are all Socialists Now." In the corresponding article former Newsweek, editor John Meacham cited the fact that "The U.S. government has already – under a conservative Republican administration – effectively nationalized the banking and mortgage industries. … Whether we want to admit it or not … the America of 2009 is moving toward a modern European state." Meacham accurately identified "the architect of this new era of big government as George W. Bush, who moved to bail out the financial sector last autumn with $700 billion. Bush brought the Age of Reagan to a close. …"
As Meacham himself admitted, however, "polls show that Americans don't trust big government and still don't want big government." This implies that the "we" in Newsweek's famous title is not "we the people," but "we the educated, literate, successful elite." With the usual elitist prevarication Meacham goes on to assert that Americans "do, however, want what government delivers, like health care and national defense, and now, protections from banking and housing failure." Yet just as "polls show" Americans rejecting big government, they also show them rejecting the bank bailout, the stimulus package and Obamacare. Indeed, they indicate a rejection of the whole self-serving, elitist, sham Democrat/Republican party system. Meacham correctly observes that both parties encouraged the trend toward government domination that culminated in G.W. Bush's treacherous leap into overt socialism (when, as he later explained in a CNN interview, he "abandoned free-market principles to save the free-market system.")
Bush claimed that he hoisted the jolly roger of socialism "to make sure the economy doesn't collapse." But there's more than enough of the wary "yankee trader" left in the American body politic to keep many American's from ignoring the truth: The socialist skull and crossbones flies over rampant acts of elite piracy. Whatever elitist mouthpieces like John Meacham may claim, these Americans aren't so stupid as to clamor for more government spending. They realize that the only "welfare" really served by the "welfare state" is the advantage of the elitist cliques as they build and lubricate the machinery of their power. To this end money is unconstitutionally extorted from entrepreneurs and working people by the federal income-tax system. To this end the elitist banking system is abused to pillage the good faith and credit of the American people, burdening their posterity with gargantuan debt for generations to come. To this end feckless, purposefully incompetent national-security policies are implemented. They sap the nation's material and moral strength while generating an atmosphere of perpetual threat that masks the real war of attrition, the one the elitists are waging against the constitutional liberty of the people.
As we approach the critical months of the 2012 election cycle, we should keep in mind Newsweek's smug proclamation of socialism's conquest of America. In that moment of triumphant exclamation, the mask of the twin-party sham didn't just slip. It fell entirely away, to reveal the divide that is and always has been the fulcrum of human politics, the divide between the many and the few, the feudal lords and the serfs, the oligarchs and the people, the self-approving, self-serving elitists and the multitude of God-approved humanity they are pleased to regard as common, unintelligent and unclean. The triumph of socialism in America, in whatever guise, marks humanity's retreat from the high-water mark of the tide of government of, by and for the people Tocqueville accurately predicted as the destiny of the United States.
Even now, however, I do not believe this regression toward elitist rule stands confirmed and irreversible. To be sure, the elitist machinations of the sham party system are predictably moving America toward another false choice between an avowed socialist Democrat and a prevaricating socialist Republican. Yet, like the countless unemployed people who have given up on an elite manipulated economic system in which they can no longer find work, there is a countless multitude of Americans who have given up on an elitist political sham in which they no longer find representation. If roused to self-conscious unity and political involvement against the Democrat/Republican sham party system, this multitude would be more than sufficient to garner 35-40 percent of the vote, winning three way contests at every level.
There are Americans who know and declare that the sham party system offers no choice but evil (more or less) for America's future. They know and admit that the Democrats who pretend to respect God and the principles of liberty are lying. They know and admit that the Republicans who pretend to oppose socialism and the abandonment of moral decency are prevaricating. They know and admit that the elitists in both parties promise jobs and responsible government, but deliver instead irresponsible, self-serving government spending and perpetual debt slavery. They promise security, but deliver instead the fear-inspired surrender of the unalienable rights of life, family and decent political liberty. They promise tolerance and the freedom to choose, but deliver instead the bondage of addictive, self-destructive passions, and the intolerant persecution of moral and religious faith and conscience.
Thanks to such people, the elitists can continue to pretend that there is no hope outside the sham twin-party system. Like all actions taken in bad conscience, the actions that result from this surrender to more or less evil lack the courage of true conviction. As the infamous promoter of political evil (Machiavelli) surely understood, such actions will more often than not be defeated by those whole heartedly committed to their goals, however wicked. Newt Gingrich or Mitt Romney may lash out against Obama because of his socialist health-care policies, his commitment to more taxes and debt to finance government expansion, his promotion of so-called gay or abortion rights. But Obama in reply will only need to cite their own word, their own votes, decisions and policies against them, to show that they supported views and measures very like his own. Then he or others will charge that the Newt/Romney party's attacks against him are motivated by low partisanship. They will go further, wondering aloud whether those attacks insidiously pander to the discredited racist elements whose heart's desire is to see the first black elected to the White House shamed and defeated for the world to see and history to remember.
Who can know with certainty whether these scurrilous tactics will succeed or fail? What we can know is that the unprincipled, self-contradictory prevarication now characteristic of the choices offered by the GOP set the stage for deploying these tactics in ways that rouse Democrats to go to the polls to vote their anger, and Republicans to shun the polls as they remember how they are being deceived. Last week I observed that in 2012 the GOP elite offer no choice for principle. Despite what their apologists contend, it's more than reasonable to foresee that they will offer GOP voters no choice for victory either.


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Cooking Demos
VIDEO: Let's Get Cooking! (or unCooking, in this excerpt)
Cooking demos w/Chef Tanya, raw chef Jennifer Cornbleet, Ann Esselstyn, Sabrina Nelson.
This is a 10-minute excerpt from the cooking demos portion of the Healthy Lifestyle Expo 2007. In this demo, raw vegan chef Jennifer Cornbleet presents an easy, tasty raw recipe.
You can get a DVD set featuring this full talk and all 12 amazing presentations from the Expo 2007: CLICK HERE for more info.
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3/3/2015 ARKANSAS TOURISM NOTICE: Arkansas's Seven Show Caves Are Open to the Public
Leave No Trace principles shape our outdoor recreation ethics and provide us with valuable tools to help conserve the places we enjoy. Join a park interpreter for a guided hike down the Ozark Plateau Trail to explore some of the principles of Leave No Trace.
Hobbs State Park-Conservation Area 20201 East Highway 12 Rogers, AR 72756 Ph: (479) 789-5000 email@example.com