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For the Nonprofits:
We all have our reasons for donating around the holidays, but nonprofits need funds all year round to continue to continue to serve the community. Many nonprofit organizations struggle with fundraising after the holidays. Gift Card Giving Day provides a new and innovative way for nonprofits to increase donations especially in the first quarter. With $44 billion in unused gift cards floating around since 2008, your organization can tap into this new donation stream to raise funds. Here is how.
For the Donors:
Gift Card Giving Day (GCGD) is a day dedicated to making a difference. Individuals are given the opportunity to donate unwanted gift cards/merchandise credits to nonprofit organizations participating in the Gift Card Giving Day program. Gift Card Giving Day emerged from the desire to provide nonprofits with the opportunity to tap into the overwhelming amount of gift cards that go unused each year. With a projected $750 Million in gift cards going unused this year (and $44 billion since 2008), there is an opportunity for nonprofits to utilize these gift cards and help those in need. Gift Card Giving Day, powered by GiftCards.Org, gives donors the ability to get rid of their forgotten and unused gift cards and donate them towards a good cause.
The first annual Gift Card Giving Day will be held on January 21st, 2015. Mark your calendars for a day of giving!
If you are interested in donating a gift card to a participating nonprofit, please follow the simple instructions below:
How to donate your unwanted gift cards/merchandise credit:
American Express Bluebird Card Review:
The American Express Bluebird card is available, exclusively, at Walmart.
Check the balance of your American Express Bluebird card online.
Activate the Bluebird card per instructions on the card. You must verify your e-mail address before you can activate your Permanent Bluebird Card.
Step 1 – To get started, you need to make sure you have the following:
• Your Bluebird Account is active: This means that you have successfully signed up for the card and registered it online.
• Your Permanent Card is activated: If you picked up a temporary card at a Walmart store and registered it online, you have to wait for the permanent card to be mailed to you, which you have to activate, before you can begin the direct deposit process.
• Your employer or payroll department offers this service: Check with your Human Resources Department or the payroll provider for your job to make sure that they offer Direct Deposit. Some employers don't offer the service, which means you will not be able to add funds to your Bluebird account using this method. If you are requesting your government payment to be direct deposited onto your card, you should check with the government agency whether they offer direct deposit and how you can go about setting it up.
• Your direct deposit comes from a U.S. bank account: The Walmart Bluebird Card only accepts Direct Deposits from banks or credit unions based in the United States of America.
• The direct deposit does not exceed the maximum balance and monthly limits:As of the time of writing this article, you are only allowed to Direct Deposit a total of $100,000 to your card each year. Which means you can only send a maximum of $8,333 each month using this method. If your total monthly paycheck or government payments exceeds this amount, then you can only send $8,333 of it to your Amex Bluebird Card. Note that the limits stated above may be subject to change, so you should check with Bluebird's website for the current limit to be sure. Click here to go there – scroll down to "Limits".
Step 2 – Set up Direct Deposit online using instructions below:
a) Log into your Bluebird Account online or through the Bluebird Mobile App and click on "Add Funds" (see the image below). Click here to for Bluebird Login.
You can use your Bluebird Card for online, mail-order, or phone purchases with merchants that accept American Express® Cards. Be sure to have your 15-digit Bluebird Card number, the "valid thru" date, and the 4-digit security code on the front of the Card.
If you have a Temporary Card and have not yet received your Permanent Bluebird Card in the mail, please call 1 (877) 486-5990 to add your name and address in order to use your Temporary Card for online, mail-order, or phone purchases.
Sign up for the American Express Bluebird card on the bluebird.com website.
Once you receive and activate your Permanent Bluebird Card and set up a PIN, you can use your Permanent Card forATM withdrawals virtually anywhere around the world that accepts American Express® Cards, including ATMs atWalmart stores. If you wish to disable ATM access on your Permanent Card or on your linked Sub-Account Cards, see the Alerts, Controls, and Personal Information section. If you still have a Temporary Bluebird Card, you can use it forATM withdrawals for a limited time virtually anywhere in the US that accepts American Express® Cards, including ATMs at Walmart stores, but only once you register for a Bluebird Account and complete e-mail verification.
If you have forgotten your PIN or would like to edit your PIN, please log in to your Bluebird Account and click on "My Account". Then click "Profile" to edit your PIN.
• Go to the Walmart register and request to add cash to your Bluebird Account.
• The money you tender at the register will be available in your Bluebird Account immediately.
• If you cash a check at your local Walmart, you can ask for the proceeds to be immediately added into your Bluebird Account. If you are a Bluebird Member, you can add a check directly to your Bluebird Account with the Bluebird Mobile App on your iPhone® or Android device. Certain Limits apply to the amount you can add to your Bluebird Account via the Bluebird Mobile App*. How to replace a lost or stolen American Express Bluebird card Call customer service immediately, 1 (877) 486-5990. You will be issued a replacement Card at no charge with a value equal to the Available Balance on your Card at the time you notified American Express. If you have not yet registered for a Bluebird Account or verified your e-mail address, no refunds will be provided for amounts debited from your lost or stolen Card before you have notified. Once you have registered for a Bluebird Account and verified your e-mail address, you will not be held responsible for any fraudulent charges made using the Card.
If you have a funding source linked to your Bluebird Account, you should immediately contact your bank or employer directly and open a dispute claim on any unauthorized withdrawals.
You can use your Bluebird Card for online, mail-order, or phone purchases with merchants that accept American Express® Cards. Be sure to have your 15-digit Bluebird Card number, the "valid thru" date, and the 4-digit security code on the front of the Card. If you have a Temporary Card and have not yet received your Permanent Bluebird Card in the mail, please call Customer Service, 1 (877) 486-5990¸ to add your name and address in order to use your Temporary Card for online, mail-order, or phone purchases.
Log in to your Bluebird Account online or through the Bluebird Mobile App, and click on Pay a Bill. If you've already added the payee — business or individual to be paid — simply click on the payee you would like to pay Provide the information requested and Submit
American Express Serve Card Review: No credit check, no activation fee, and no minimum balance. Accepted worldwide.
The American Express Serve Card is sold at participating locations for the following retailers. Click to find the retailer locations nearest you.
• CVS/pharmacy®
• Duane Reade
• Family Dollar
• Fred's Super Dollar
• Office Depot
• Sheetz
• Walgreens
You can check your balance online, call customer service at 1-800-954-0559 or on your smart phone.
American Express Serve Mobile App
Use the American Express Serve Mobile App to check your balance and recent transactions, pay bills on the go, and send money to family or friends.
No activation is necessary. If you purchased a temporary card you can go online to get your personalized Serve card.
Yes, don't wait to cash your paycheck or government benefits.
Get an American Express reloadable prepaid account online
Yes, find an ATM near you
You may withdraw money for FREE from over 23,000 MoneyPass® ATMs in the US. If you withdraw money at a non-MoneyPass ATM, you will be charged a $2 fee to your Account at the time of withdrawal.3 In addition, ATM operator fees may apply.
Add money and use your Card for everyday purchases Add cash at the register for FREEacross 15,000 CVS/pharmacy® stores and participating 7 ELEVEN® locations. Or, you can add money with Direct Deposit, a bank account, or a debit or credit card.4 Then, use your Account to pay bills, buy groceries, and shop virtually anywhere American Express® Cards are accepted.
Mobile Check Capture
You can add checks into your American Express Serve Account using the American Express Serve® Mobile App.2 Take a picture of the front and back of the check and add to your Account.
If your Card is lost or stolen, you won't be responsible for fraudulent Card charges. Shop with added confidence and Purchase Protection, which can help protect eligible purchases made with the Card against accidental damage and theft for up to 90 days from the date of purchase. Please read important exclusions and restrictions. Contact customer service at 1 800 954 0559.
Easily Pay Bills Online
Pay bills like your car payment or phone bill online. You'll save time and postage by paying bills electronically (electronic transfers take as little as two days) and by storing payee information.
Vanilla Visa Card Review:
Find a Vanilla Reload Network retailer at one of these select locations or go tovanillareload.com to find more locations near you.
You can check your account history by either logging into your online account or by calling Customer Care 1-877-429-8140.
When your Card arrives, simply call 1-855-686-9513 to activate or go online and create your account. Follow the printed activation instructions that arrive with your Card.
Yes, Log in to your account to set up direct deposit.
Apply for your MyVanilla Visa online
Yes, you can load a maximum of $500.00 per day onto your Card, and there is a $2,500.00 total maximum deposit limit per day from all deposit sources (loads and ACH direct deposits). The daily ATM withdrawal limit is $400.00. Please review the online Cardholder Agreement for the most up–to–date information about your MyVanilla Card.
Visit vanillareload.com or call 1-877-429-8140 to apply the funds to your Card. All you'll need is your prepaid card number and the PIN located on the back of your Vanilla Prepaid Reload.
You should sign the back of your Card upon receipt for your protection. Report a lost or stolen card immediately by calling Customer Care at 1-855-686-9513. Please refer to the Cardholder Agreement provided with your Card for additional details.
Yes, you can set up reoccurring payments
Walmart MoneyCard Review:
Walmart Money Cards are available at all Walmart locations, as well as, online.
You can get your exact, up-to-date available balance delivered to your cell phone at any time by simply sending them a short text message. To do so, please follow the instructions below:
Send a text message "Bal XXXX" to 96411 (WM411) where XXXX is the last 4 digits of your card number.
• Go to the send text message feature on your mobile phone
• Enter the text message "Bal XXXX" where XXXX is the last 4 digits of your card number
• Send it to 96411. Note that 96411 also spell out WM411
• Walmart MoneyCard Mobile will send a text message with your latest available balance
Activate your card by visiting the Walmart MoneyCard website, here.
Yes, direct deposit is available with the Walmart MoneyCard. Enroll online, here.
You can purchase a Walmart MoneyCard online at their retail website. To purchase, click here.
Yes, you can use your MoneyCard to get from an ATM or cash back. Also, there is no ATMwithdrawal fee at over 20,000 MoneyPass ATMs nationwide, $2 cash withdrawal fee at non-MoneyPass ATMs or tellers, $1 balance inquiry fee at any ATM.
Visit your local Walmart or Green Dot network retailer to load money onto your Walmart MoneyCard. To find the closest retailer, simply send a text message to Walmart MoneyCard Mobile (#96411) and they'll send the closest reload locations to your cell phone – within seconds! Just follow the instructions below.
Send a text message "Loc ZipCode" or "Loc City State" to 96411 (WM411). Standard text messaging fees apply.
• Go to the send text message feature on your mobile phone
• Enter the text message "LOC XXXXX" where XXXXX is the ZIP CODE
• Send it to 96411. Note 96411 also spells out to WM411
• Wal-Mart MoneyCard Mobile will send back a text message with your nearest Wal-Mart locations.
Replace a lost or stolen card by logging into your online account or call customer service at 1-877-937-4098.
Yes, check out the Bill Payment Service Agreement for more information on the terms and conditions related to using your Walmart MoneyCard to pay bills.
NetSpend Card Review: Visa or MasterCard available
You can purchase a NetSpend Card online.
To check your balance for free, log in to your online Account Center, where you can see your balance, your deposits and transaction history. Or, sign up for Anytime AlertsTM to receive a text message including your card account balance, after every transaction. After you've signed up for Anytime Alerts, text the letters 'BAL' to 22622 anytime, and your account balance will be sent to your mobile phone. You can also check your balance for a $0.50 fee by calling our toll-free number 1-866-387-7363 or when making the inquiry at a participating ATM located in the U.S.
Activate your Netspend Card online.
Setting up Direct Deposit is easy, no matter where the deposit is coming from.
All or part of your paycheck can be directly deposited to your card account. Existing cardholders can log in to the online Account Center to print out a direct deposit form. Fill it out and give it to your employer. The form will include both a bank routing number (sometimes referred to as the 'ABA Routing Number') and your card account number. Your employer is responsible for making your paycheck available on your payday. NetSpend makes those funds available to you as soon as we receive them.
Tax Refunds
Do you want to get your Federal and State tax refunds faster than by mail? Just have them deposited electronically directly into your NetSpend card account.
• Pension and other regular payments
• Railroad Retirement Benefits (RRB)
• Defense Finance and Accounting Service Payments (DFAS)
• State unemployment benefits (Varies by state)
Fill out a quick online order form and they will ship you a personalized card! There's no credit check and no upfront fees.
1. Insert your NetSpend card into the ATM. Look for a picture showing which way the card should face.
2. Choose your preferred language from the list displayed on the screen.
3. Using the numbered keypad, enter your Personal Identification Number ('PIN') and press Enter.
4. You'll see a message stating how much the ATM operator's fee is. You'll be asked if you want to continue or cancel the transaction.
5. When asked what kind of transaction you want, select Withdrawal.
6. When asked what kind of account you wish to use, select Checking.
7. Select the amount of money you'd like to withdraw.
8. Most machines return your card before dispensing cash. Take your card.
9. Take the cash from the machine.
10. Be sure to take both your ATM receipt and your card.
Reload Netspend Prepaid Debit Cards at participating:
Grocery stores
Gas Stations
Check-cashing stores
MoneyGram® agents
Western Union® agents
Find a location near you
Contact Customer Service via our toll-free number 1-866-387-7363
Pay your utility bills, rent, car loan – even pay a friend – using any of our fast and secure online Bill Pay services. Using these services is:
Easy: Online directions walk you through the steps to pay a bill Convenient: No more writing checks or standing in line for money orders, and no more stamps and associated mailing costs
Safe: Your money is sent electronically using the highest level of security
Flexible: You decide which bill pay option works best for you We give you different ways to pay your bills online, depending on how and when you need to pay.
Log in to learn more about Paying Bills.
Visa RushCard Review:
The RushCard Live is a reloadable prepaid Visa debit card that you can use anywhere Visa debit cards are accepted. The card is reloadable and you can receive a personalized card with your name on it. Use it to shop online, pay bills, and make all your purchases. Your registered card is safer than cash. You can pick up a card now at thousands of retail locations nationwide. FIND LOCATION
You may check your balance and transaction history online 24/7 by logging into your online account here. You may also call customer support at 1-888-569-7730. There is no charge to check your balance online or over the phone. You can set up Account Alerts, a special feature that allows you to receive your card balance to your email, mobile phone, or both. Once you've registered your mobile phone number with us, you can request your balance at any time by sending the word "BAL" and the last four digits of your card number to 47874 (IRUSH). Carrier message and data rates apply.
Activate your RushCard Live
Yes, many employers notify the bank of PAYROLL direct deposits before your "official" payday. If RushCard receives early notice, it will be deposited on the card early. Ask your employer when they submit their direct deposit information to the bank. Your employer may not submit early every pay period.
The RushCard isn't available online. You can pick up a RushCard Live now at thousands of retail locations nationwide. FIND LOCATION
Yes. You will select a 4 digit PIN when you activate your Personalized Card. You may withdraw up to $400 per day. Temporary Cards cannot be used at ATMs and we may blockATM withdrawals in some countries due to fraud or security concerns. PLEASE NOTE: if you purchased the card at a Financial Service Center, like Pay-0-Matic, you can access cash from ATMs with your Temporary Card. You can also access cash at participating retailers where you can request "cash back" with purchase transactions. You can complete an in-bank withdrawal (also called a teller cash withdrawal) from your RushCard Live. You may withdraw up to $400 per transaction with a maximum of $2,500 per day.
After successful identity verification, you can reload your Temporary Card by purchasing a MoneyPak®, enrolling in Direct Deposit, setting up an online reload from your bank, or reloading at participating MoneyGram and Western Union locations. Fees may apply for non-Direct Deposit reloads. CLICK HERE TO LEARN MORE.
If you lose your card or believe it to be stolen, you must immediately report this to customer service. Click here to report your card lost or stolen from your online account, or call 1-888-569-7730. We will cancel your card and a new card will be sent to you. A fee for a replacement card may apply. Please see your Cardholder Agreement for more information.
Yes, but only from your Personalized Card. You may also sign up for BILL PAY.
American Express Prepaid Card Review:
Buy a temporary card at retailers such as CVS/pharmacy, Duane Reade, Family Dollar, Fred's Super Dollar, Office Depot, Sheetz or Walgreens.
Text "BAL" plus the last 4 Card number digits to 91315 (e.g. "BAL XXXX"), Data charges may apply. Visit the Website or call American Express Prepaid Card Customer Service at U.S. 1-866-207-7970 / INTERNATIONAL COLLECT 1-801-849-2000.
Activate your card by calling 1-866-207-7970. After you purchase a Card, you must also, register the Card, verify your email address and designate a personal password that you may use to sign in to the Website to check your Available Funds, view your transactional history ("Online Transaction History"), or designate a new Funding Source. You are responsible for keeping this password safe and you will need it every time you sign in to the portion of the Website that contains your personal Card data; we call this your Card Servicing Page.
Yes, you can have all or part of your paycheck added to the balance of your Card or to any Card(s) you ordered for someone else. Direct Deposit is a secure and convenient way to have funds automatically added to the Card each pay period. Please note, the Direct Deposit cannot exceed the $5,000 per Card maximum balance and monthly load limit. Please see the Cardmember Agreement for more details. How to use an American Express reloadable card to shop online You can use the card to make a purchase over the internet or by mail-order.
To purchase an American Express reloadable card online, go to the website. and fill out an order form.
Yes, the permanent American Express Prepaid Card can be used at an ATM. American Express does not charge an ATM fee for the first withdrawal in each calendar month. American Express charges $2.00 per ATM withdrawal thereafter, which is assessed against the Card balance. Please note: ATM owners/operators may charge their own fees for ATM transactions. The amount the American Express Prepaid Card User can withdraw depends on the available funds on the Card, but cannot exceed $400 per day. In the U.S., you can use the Card at most ATMs to access your available funds. If you plan on traveling internationally, please contact Customer Service at 1-866-207-7970 (International Collect 1-801-849-2000) to inquire about availability of ATM access abroad.
There are 3 easy ways to add money to the Card:
1. Direct Deposit.
2. Savings or Checking bank account.
3. Cash.
If the American Express Prepaid Card is lost or stolen, call Customer Service immediately at 1-866-207-7970 (International Collect 1-801-849-2000). We will replace your Card and transfer your remaining funds to a new Card at no charge. If you believe that an unauthorized transaction has occurred after your Card was lost or stolen, please call Customer Service at 1-866-207-7970 (International Collect 1-801-849-2000). You can also view the Cardmember Agreement. for more details in the section entitled Errors or Questions about Transactions related to the Card. If you funded the American Express Prepaid Card with a bank account, you will need to contact your bank immediately and open a dispute claim on any unauthorized withdrawals made to load the Card.
Yes, you can use your American Express prepaid card to pay bills, buy groceries, and shop virtually anywhere American Express Cards are accepted.
GreenDot Visa Card Review:
You can buy Green Dot Visa Cards at retailers such as 7-11, CVS, K-Mart, Radio Shack, Rite Aid, and Walgreens. However, many different retailers may carry Green Dot Visa Cards in their stock.
The fastest and easiest way to check your balance is by texting "BAL Last 4" to 43411 where "Last 4" is the last 4 digits of your gift card number. Text "HIST Last 4" to check your transactions. Before using this texting service, you'll need to register your mobile number with Green Dot. Click here to register, or log into your account. Then, select Account Settings, Edit Contact Info, and enter your mobile number. They do not charge customers to receive a text message; however, data and message rates still apply from your phone carrier. You may also check your balance and transaction history online 24/7 by logging into your account at greendot.com.
You can activate your Green Dot Visa Card online by inputting the 16 digit serial number on the card and the 3 digit security code.
Yes, enroll by giving your direct deposit and bank routing numbers to your payroll or benefits provider.
You can purchase a Green Dot Visa Prepaid Card, here
Yes, you will select a 4 digit PIN (personal identification number) when you activate your Personalized Card. Visa may block ATM withdrawals in some countries due to fraud or security concerns. You may only withdraw up to $400 per day.
Swipe Reload at the register. Take your card and cash to any register at a participating retail location. The cashier will swipe your card and add cash directly to your card. A service fee of up to $4.95 applies. Keep your receipt.
Load cash on your Green Dot with MoneyPak or Cash Reload. Purchase one at participating stores nationwide. Adding cash is easy – find one of these products at the prepaid section, take it to the register, and load with cash for the amount of your reload. To apply the funds to your prepaid card, visit www.greendot.com or call 800-GREENDOT. A service fee of up to $4.95 will apply. Keep your receipt.
Take your Green Dot and pre-printed payroll or government check to any register at participating Walmart® locations (not available in NJ, NY, RI). The cashier will cash your check (check cashing fees apply). Swipe your card and add all or part of your cash directly to your card (load up to $1,000 at Walmart as long as you do not exceed the card load limits). A service fee of $3.74 applies. Keep your receipt.
Reload your Green Dot card directly from your bank, credit union, or other financial institution! Many banks offer the ability to transfer funds through a process known as ACHtransfer. You can load your card with the click of a button. Green Dot does not charge for this service, although your financial institution may charge a fee.
If you lose your Green Dot or believe it was stolen, you must immediately report your card lost or stolen, click here to report your card lost or stolen. You can also call 1-866-795-7597 to report your card lost or stolen. Visa will cancel your card and a new card will be sent to you. A fee for a replacement card may apply, please see your Cardholder Agreement for more information.
Yes you can, but only from your Personalized Card. However, it is your responsibility to make sure you have enough funds available on your Green Dot each time the recurring transaction is due. These merchants may suspend or cancel your service if you don't have enough money left on your card when they attempt to charge the monthly payment. This could be dangerous if the recurring charge is for an essential service.


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38646-012: Strengthening Pro-Poor Policy in the Pacific
Project Data Sheet (PDS): Overview
The purpose of the TA is to assist PDMC Governments and societies to better understand and to better direct the means to managing for hardship and poverty reduction. This will be aided by continued economic updates and individual PDMC poverty knowledge management reports that will help to define and refine common Government and donor country strategies for the alleviation of hardship and poverty. Read More
|Project Number
|Type or Modality of Assistance
Technical Assistance
|Public sector (Sovereign)
|Approval Numbers
TA No. 6245
|Approval Date
|10 Jun 2005
|Geographical Location
|Pacific subregion
Public sector management
|Economic and Public Affairs Management
Related Projects
Project Data Sheets (PDS) contain summary information on the project or program. Because the PDS is a work in progress, some information may not be included in its initial version but will be added as it becomes available. Information about proposed projects is tentative and indicative.
The Public Communications Policy (PCP) recognizes that transparency and accountability are essential to development effectiveness. It establishes the disclosure requirements for documents and information ADB produces or requires to be produced.
The Accountability Mechanism provides a forum where people adversely affected by ADB-assisted projects can voice and seek solutions to their problems and report alleged noncompliance of ADB's operational policies and procedures.
In preparing any country program or strategy, financing any project, or by making any designation of, or reference to, a particular territory or geographic area in this document, the Asian Development Bank does not intend to make any judgments as to the legal or other status of any territory or area.
View the latest procurement notices for Goods, Works and Related Services, or Consulting Services.

subset: commoncrawl


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Our mission is fueled by a deep belief that our veterans are assets whose leadership is needed now more than ever here at home.
Selling the case to Moscow for building that base is likely to prove mission Impossible.
This is a local facilitator and two operatives coming from abroad on a mission with a connection to al Qaeda.
1590s, "a sending abroad," originally of Jesuits, from Latin missionem (nominative missio) "act of sending, a despatching; a release, a setting at liberty; discharge from service, dismissal," noun of action from past participle stem of mittere "to send," oldest form probably *smittere, of unknown origin.
Diplomatic sense of "body of persons sent to a foreign land on commercial or political business" is from 1620s. In American English, sometimes "an embassy" (1805). Meaning "dispatch of an aircraft on a military operation" (1929, American English) later extended to spacecraft flights (1962), hence, mission control (1964). As a style of furniture, said to be imitative of furniture in the buildings of original Spanish missions to North America, it is attested from 1900.


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strengthen your academic skills
If you think your academic skills aren't quite up to speed for college, don't give up. You will find that a college degree is obtainable if you just take time to prepare yourself. Find the path that's right for you by following these tips.
read more »
types of postsecondary schools
There are a variety of postsecondary schools from which to choose when you begin your college search. By researching the different types of schools, you will be able to make an informed decision about which one is right for you.
tips for first generation college students
Being the first person in your immediate family to attend a postsecondary institution may seem daunting. Without help from family members, you may not even know where to begin the college planning process, much less know what to expect once you get to college.
going grad: is graduate school right for you?
If you are thinking about going to grad school after you obtain your bachelor's degree, keep in mind that graduate school isn't for everyone. The following should help you decide whether or not graduate school is right for you.
college planning tips for underclassmen
Getting a head start on the college planning process will ensure that you meet most of the requirements of college admission by the time your senior year rolls around. Follow these college planning tips to put you at the head of the game.
college planning timeline: grades 8-12
Getting ready for college takes a lot of preparation. Use this college planning timeline for grades 8-12 to help you get started on the process.
college planning for the first in the family
For students who are first in the family to attend college, the planning process can be particularly emotional and challenging. Several resources exist to help first families throughout the decision-making process.
advice for adult students
Get advice on returning to college as an adult student. Check out these myths about returning to college and tips on making the transition.
five helpful websites for your college planning
Planning for college can be overwhelming. Where do you even begin? Here are five helpful websites that should make planning for college a little easier.
college access programs in your community
College access programs are nonprofit organizations that provide assistance to students who want to pursue education beyond high school.
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The car has been actively raced since 2000 and was raced througo the end of last year. Much of the work on the car... More
1960 Austin Healey BN7 3000 Mk1 The original Austin Healey 3000 was introduced in 1959 and was manufactured through March 1961. This first model... More
The Ford EX Concept vehicle was developed and first shown at the Detroit North American International Auto Show in 2001. This two seat vehicle... More
1959 TURNER SPORTS MK 1 – RACE CAR The Turner Sports Car Company near Wolverhampton, England produced fiberglass bodied sports cars from 1951 thru... More
1965 Morgan Plus 4 This is an unusual situation where a vehicle has been subjected to a total ground up restoration by Ugo Peraldo starting... More
RIGHT HAND DRIVE 1966 MGB Mk 1 CONV. The MGB was a two-door sports car manufactured and marketed by MG Car Company. Production of... More
1964 MORGAN 4/4 SERIES V Race Car This car is fast and easy to drive with an excellent power to weight ratio and a... More
1972 Ferrari 246 GTS DINO This pristine GTS Dino is finished in Rosso Corsa red with black leather interior. Originally purchased by Bob Fergus of... More
1963 JAGUAR XKE COUPE (FHC) In 1961 Jaguar introduced the E- type to the public and it was shown as a rear wheel drive grand... More
1964 Ford Falcon Monte Carlo Lightweight. A race/rally car with FIA papers, extremely lightweight with legitimate fiberglass fenders, front hood, doors, rear deck lid... More
1932 Ford Dearborn-Duece Roadster It is not often that you get an opportunity to own a professionally built street rod of this caliber. This all... More
1957 Jaguar XK140 SE Coupe In 1949 Jaguar introduced the XK120 to the public at the London Motor Show. This stunning new car caused a sensation... More
1966 Shelby GT 350 The car offered is a genuine SHELBY GT 350, Shelby Number # 6S 2235 which is listed in the Shelby Register. ... More
1954 Volvo 444 High Speed Rally & Road Racing Car Automotive Restorations is proud to offer a race car that is as much at home... More
GRD (Group Racing Development) was started in the early 70's by former Lotus engineers. The GRD Formula 3 car first debued in October 71.... More


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Mission of the Office of Community Partnerships
The mission of the Office of Community Partnerships (OCP) is to strengthen relationships between the Montgomery County government and the residents it serves, with special focus on underserved and emerging communities and our neighbors in need. The OCP serves as a bridge builder between the County government and community organizations serving the residents of Montgomery County, working across the barriers of race, ethnicity, income, and religion that too often diminish communities. OCP's mission is to carry out the County Executive's commitment to build a larger policy table with participation by a more diverse range and greater number of residents as we work to become America's most welcoming community.
Click here for a roster of OCP staff and responsibilities to help you find the person who can best help you. Please click here for bios of and contact information of the OCP staff.
Click here for a 2014 Montgomery Community Media interview with OCP director Bruce Adams.
Office of Community Partnerships Monthly Newsletter
Click here to see a copy of the most recent monthly newsletter of the Office of Community Partnerships. Please click here to subscribe to the OCP newsletter as well as the Volunteer Center's newsletter. Please click here to go to the archives for previous OCP newsletters. You can also subscribe to the Gilchrist Center for Cultural Diversity's newsletter here.
Montgomery Sister Cities
Montgomery Sister Cities helps connect our county with the countries of origin of our residents. By enriching our understanding of the cultures and economies of the home countries of our neighbors, we are helping to build America's most welcoming community while positioning ourselves for success in the global marketplace of the twenty-first century.Through educational, cultural, and economic exchanges, we are building a stronger community here at home and preparing our youth to become global citizens of the twenty-first century. Please help us strengthen our partnerships with communities around the world by joining Montgomery Sister Cities. For more information or to join, please visit our website.
Gilchrist Center
The Gilchrist Center is Montgomery County's Official Welcome Center for immigrants and newcomers and offers a variety of programs and services to the Montgomery County Community. For more information, visit the Gilchrist Center website.
Montgomery Serves Awards
This annual event, brought to us by the Fund for Montgomery and its generous contributors, allows us to celebrate the servant leaders and community volunteers who make Montgomery County special. The Roscoe R. Nix Distinguished Community Leadership Award, our local version of the Presidential Medal of Freedom, is presented by County Executive Leggett. The Neal Potter Path of Achievement Award recognizes a lifetime of volunteer service by people age 60 and better. The Montgomery Serves Award recognizes volunteers of the year in four categories - youth, business, individual, and group. Click here for more information on the annual Montgomery Serves Awards and the 2015 honorees.
2014 World of Montgomery Festival
The Sixth Annual World of Montgomery Festival was attended by 7,500 at Westfield Wheaton on Sunday October 19. The annual celebration of multicultural Montgomery was produced by a partnership of the Montgomery County government, Fund for Montgomery, and KID Museum. The event featured food, entertainment, and crafts from around the world with an International Village featuring exhibits from the countries of Montgomery County's four Sister Cities -- China, India, El Salvador, and Ethiopia. View more photos.
Montgomery County Language Corps
Did you know that 1 in 7 county residents are considered Limited-English-Proficient (LEP) and there are over 2,500 residents on waitlists to enroll in English classes? You can help by using your linguistic skills. Join the Montgomery County Language Corp.
Executive Order Signing - LEP
Sustainable Community Food System Initiative
Montgomery County is perfectly positioned to create the nation's model sustainable community food system. We have the agricultural reserve. We have the necessary agricultural, entrepreneurial, environmental, and marketing talents in abundance. We have an immigrant workforce as yet largely untapped for agriculture. We have a huge market crying out for healthy, locally produced food. We are making progress on progressive policies like the farm incubator. All we need to do is to start working together toward a shared and larger vision.
On December 20, 2010, eighty-six stakeholders held a three hour community conversation at Montgomery County 's Agricultural History Farm Park where this work was begun. For further details about the meeting, check out the links below:
Resource Paper prepared by Andy Lowy (Summer 2010)
Members of the Sustainable Community Food System Network
Summary of December 20, 2010 Stakeholder Meeting and Vision and Key Elements
Gallery of Pictures from the December 20th, 2010 Conversation


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Comment: Re:Still having misery with Firefox. (Score 1) 220 220
If you have that many tabs open you NEED flashblack and adblock+. Flash is super crash happy, and ads are a huge issue too. I similarly open many tabs often a couple hundred before I go through and clear them out (I do news feeds), and with those two things I might get a crash once every 2-3 months.


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Trade in Latin America & Caribbean
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The curious case of Brazil's closedness to trade
Although Brazil has become one of the largest economies in the world, it remains among the most closed economies as measured by the share of exports and imports in gross... Show More + domestic product. This feature cannot be explained simply by the size of Brazil's economy. Rather, it is due to an economic structure reliant on domestic value chain integration as opposed to participation in global production networking. It also reflects more generally an export base that shows lack of dynamism. Opening up and moving toward integration into global value chains could produce efficiency gains and help Brazil address its productivity and competitiveness challenges. Show Less -
How to sustain export dynamism by reducing duality in the Dominican Republic
This report analyzes export competitiveness in the Dominican Republic drawing from the Trade Competitiveness Diagnostic methodology (Farole and Reis, 2012). Dominican... Show More + exports fare well in terms of performance, sophistication, and survival in Special Economic Zones. Three main challenges are identified: 1) quality issues and rejection of agro exports in the US border; 2) the role of Special Economic Zones in the new decade and the lack of backward linkages; and 3) excessive concentration in terms of markets that is not addressed by a fragmented institutional setup. Show Less -
The gendered labor market impacts of trade liberalization : evidence from Brazil
This paper investigates gender differences in the impact of Brazil's trade liberalization on labor market outcomes. To identify the causal effect of trade reforms, the... Show More + paper uses difference-in-difference estimation exploiting variation across microregions in pre-liberalization industry composition. The analysis finds that trade liberalization reduced male and female labor force participation and employment rates, but the effects on men were significantly larger. Thereby, tariff reductions contributed to gender convergence in labor force participation and employment rates. Gender differences are concentrated among the low-skilled population and in the tradable sector, where male and female workers are most likely to be imperfect substitutes. Show Less -
Do export promotion agencies promote new exporters ?
Do export promotion agencies impact the probability of non-exporting firms to export? In the last decade many countries have introduced export promotion agencies to... Show More + support their firms to deal with asymmetric information problems and make feasible additional gains from trade. Some recent studies have found that the support of these agencies has been effective with respect to the intensive and extensive margins of trade. Nevertheless, because of the lack of information on non-exporting firms, few of them analyze their impact on the probability of promoting new exporters. This paper evaluates the impact of the Brazilian Trade and Investment Promotion Agency (Apex-Brasil) on firms' export status using a unique firm-level dataset that covers the full manufacturing sector in Brazil. To identify the impact of Apex's assistance on firms' export propensity, the paper relies on a procedure of matching difference-in-difference estimators. The empirical results show evidence of the program's positive impact on the probability of promoting new exporters. The effect is heterogeneous according to firms' size categories and sectors. Furthermore, the findings suggest that the program has spillover effects. Although the evidence of positive effect is robust, the low propensity to export for both the treated and the control groups reinforces the importance of other firms' determinants (for example, productivity), which is widely emphasized by the trade literature. Show Less -
Nicaragua - Nicaragua Strengthening Investment & Export Promotion : P131210 - Implementation Status Results Report : Sequence 02
Trade and shared prosperity in the Caribbean region
This policy note is based on the seven chapters of the Caribbean trade report, The New Trade Environment and Shared Prosperity in the Caribbean, prepared by the World... Show More + Bank for the Caribbean Growth Forum. Despite fairly respectable economic growth over the decades and a degree of high trade openness, unemployment rates remain very high in the Caribbean, averaging 10 percent for the region between 2002 and 2009, and poverty reduction has been slow. The purpose of this note is to provide background information on the role of trade in the unemployment and poverty reduction in the Caribbean and, based on recent World Bank analysis, to suggest areas where greater policy attention could promote trade and thus reduce poverty. The report begins with a profile of employment in the Caribbean, and discusses the impact of trade on employment during the global financial crisis. Evidence is reviewed on the role of trade in employment and development over the long term, and whether the poor in the Caribbean benefit from export activities. Then the report presents a discussion how addressing constraints on exports and reducing tariff levels will enhance growth and reduce poverty. The conclusion summarizes the main issues of addressing constraints on exports and promoting broad-based benefits of trade. The report's analysis shows that international trade plays a major role in terms of job creation and poverty reduction in the Caribbean, more so, on average, than in the other developing countries. However, in general, poor Caribbean households have not benefited fully from the employment opportunities created by trade. There is a role for policy in alleviating poverty by helping promote the shared benefits of trade. Considering the variety of issues involved in this area, it will likely require a multi-pronged approach involving the following measures: 1) promoting quality education for all; 2) strengthening links to the value chain among small enterprises; and 3) addressing key impediments to trade performances shows that acting to remove some key trade impediments may also directly help the poor. Show Less -
Costa Rica - Five years after CAFTA-DR assessing early results for the Costa Rican economy
The Dominican Republic - Central America - United States Free Trade Agreement (CAFTA-DR) has been fundamental in creating a stable framework for Costa Rica's trade with... Show More + the United States. For Costa Rica, CAFTA-DR is more than a trade agreement. Besides eliminating tariffs and reducing non-tariff barriers between member countries, CAFTA-DR also introduced major changes to the legal framework of member countries, reducing barriers to services, promoting transparency, and ensuring a secure and predictable environment for investors. This report analyses how CAFTA-DR has impacted the Costa Rican economy in the five years after ratification, both on a macro level and in key specific sectors. The report shows that CAFTA-DR is yielding benefits to the Costa Rican economy, but it is too early to provide a complete account just after five years. The agreement has succeeded to further trade integration between Costa Rica, the US, and other CAFTA-DR countries. Exports to the US began increasing several years before the agreement, but CAFTA-DR accelerated the trend. Costa Rica continues attracting FDI above levels observed in other CAFTA-DR countries, with an increasing share from US investors and a focus on medical devices and business services. Online survey and interviews of high-tech firms in free trade zones found that CAFTA-DR was an important factor in the investment decisions. CAFTA-DR ignited an explosion of changes in the telecom and insurance sectors, bringing new regulatory frameworks, competition, product innovations, and price reductions. Consumers are reaping the benefits of improved telecom and insurance services. But some issues remain for those markets to mature. Finally, the concern regarding the potential negative impact on the Costa Rican Social Security Administration's finances due to the intellectual property rights measures have not been observed. Show Less -
The new trade environment and trade performance in the Caribbean
Caribbean countries face a rapidly changing trade environment, which presents both opportunities and challenges for economies highly dependent on external markets. The... Show More + features of the new trade environment include: i) redefinition of relations with their main trading partners, including the United States, where Caribbean exports continue to enjoy preferential access under the Caribbean Basin Initiative, and the European Union, through the recently signed Economic Partnership Agreement; ii) the increasing economic influence of the new growth poles1 (Brazil, Russia, India, Indonesia, China and Korea) ; iii) and the redesign of the CARICOM regional trade agreement in order to implement the Caribbean Single Market Economy (CSME) as well as a number of preferential trade agreements within the region. These changes are likely to change the trading structure of the Caribbean countries and, through this restructuring, to have implications for the welfare of these economies. Understanding these implications is critical in terms of designing appropriate policy response to the trade changes but also in terms of eventually re-shaping trade agreements and policies. Show Less -
Technical measures to trade in Central America : incidence, price effects, and consumer welfare
Despite the widespread tariff reductions sparked by the Dominican Republic-Central America Free Trade Agreement, borders in the region remain thick, with many hurdles... Show More + standing in the way of regional trade. Although anecdotal evidence suggests that nontariff measures raise trade costs and inhibit trade in the region, little is known about the magnitude of these economic effects. This paper uses a newly collected data set to quantify the incidence of sanitary and phytosanitary measures and technical barriers to trade in the region and benchmarks it with other parts of the world. The results indicate that the Central American region has the lowest prevalence of technical nontariff measures in the world. However, there is significant heterogeneity of trade-related regulations in Central America; for instance, 48 percent of Salvadoran imports are subject to at least one nontariff measure, compared with just 16 percent of Honduran imports. The paper estimates the impact of these technical measures on border prices and finds that the price impact of sanitary and phytosanitary measures is equivalent to an ad-valorem tariff of 11.6 percent. This price-rising effect is further investigated by looking in detail at the impact of sanitary and phytosanitary measures on the prices of beef, chicken meat, bread, and dairy products in Guatemala. The impact is estimated to be equivalent to an ad-valorem tariff of 68.4 percent, 51.4 percent, 22.0 percent, and 5.0 percent, respectively. The paper shows that efforts to streamline key sanitary and phytosanitary measures affecting these products by, for example, reducing the cost and time required to obtain sanitary registries, would likely reduce the Guatemalan urban extreme poverty rate from 5.07 percent to 4.91 percent. Show Less -
Can Latin America tap the globalization upside ? : Can Latin America tap the globalization upside ?
This paper discusses the theoretical arguments in favor of and against economic globalization and, with a view to ascertaining whether Latin America may be able to capture... Show More + the globalization upside, examines the trends and salient features of Latin America's globalization as compared with that of Southeast Asia. The paper focuses on trade and financial integration as well as the aggregate demand structures (domestic demand-driven versus external demand-driven) that underpin the globalization process. It finds that Latin America is mitigating some bad side effects of financial globalization by moving toward a safer form of international financial integration and improving its macro-financial policy frameworks. Nonetheless, Latin America's progress in raising the quality of its international trade integration has been scant. The region's commodity-heavy trade structures and relatively poor quality of trade connectivity can hinder growth potential to the extent that they are less conducive to technology and learning spillovers. Moreover, Latin America's domestic demand-driven growth pattern (a reflection of relatively low domestic savings) may become an additional drag to growth by accentuating the risk of a low savings-low external competitiveness trap. Show Less -
What drives the high price of road freight transport in Central America ?
In Central America, like many other developing regions, high transport costs are cited as an impediment to trade and economic growth. Prices for road freight transport... Show More + -- a key mode of transport comprising a significant share of total transport costs for intra- and extra-regional trade, are particularly high. Averaging 17 cents per ton-kilometer on main trading routes, these rates stand out even relative to other inefficient developing country markets (e.g., central and west Africa). However, the policy and other factors associated with increased prices have not been well understood. This paper uses data from a survey of trucking companies operating on the region's main trade corridors to analyze the determinants of firms' costs of providing service, as well as the effect of market structure and competition on prices. The analysis finds that whereas improved cost efficiencies could reduce prices by 3 cents per ton-kilometer, increased competition on national routes -- those entirely within a nation's borders -- would reduce prices by significantly more. Although there are many trucking companies, including small and somewhat informal operators, the degree of competition varies by route because of domestic restraints on competition and the prohibition on international competition on national routes. The paper shows empirically that imperfect competition accounts for at least 35 percent of mean prices on national routes. In addition, a lack of competition is likely to explain the persistence of an inefficient market structure, as well as a lack of innovation to reduce costs and enhance the quality of service. Show Less -
Modernizing trade logistics in Colombia
The Colombia trade logistics program began in 2008 with the goal of reducing the time and cost involved in exporting and importing goods by streamlining trade procedures.... Show More + Investment climate teams of the World Bank Group assisted Colombia in reducing time and costs for traders. The program focused on the improvement of a single window for foreign trade and the design of a national cargo risk management policy for Colombian ports. They also addressed gaps and limits in the system by introducing a business process management platform for seamless interoperability. Show Less -
Implementation summary : trade facilitation for regional integration in Central America trust fund
The trade facilitation agenda represents an important opportunity for countries to not only realize economic development and poverty reduction goals, but also deepen... Show More + regional integration. The improvement or creation of trade corridors and the harmonization of requirements across national borders facilitate transit and significantly improve regional market integration. The trust fund (TF) for trade facilitation for regional integration in Central America was designed to support the region in improving its trade facilitation environment. It was financed by the trade facilitation facility, a multi-donor TF that helps developing countries improve competitiveness through concrete improvements in trade facilitation systems and reducing trade costs. It assisted in the implementation of the technical needs and policy recommendations that emerged from focused analytical work and from the complementary agenda of the Dominican Republic and Central American Free Trade Agreement (DR-CAFTA) and the Bank's aid-for-trade strategy. The TF program foresaw four components: (i) development of performance indicators and benchmarking framework to measure progress on trade facilitation; (ii) establishment of foundations to move towards single window merchandise clearing; (iii) strengthening and standardization of quality and phyto-sanitary controls; and (iv) improving the trading capacity of small market participants. In addition, the TF promoted regional dialogue and consensus on issues related to trade facilitation. Show Less -
What drives the high price of road freight transport in Central America?
In Central America, like many other developing regions, high transport costs are cited as an important impediment to trade and economic growth. Prices for road freight... Show More + transport, a key mode of transport comprising a significant share of total transport costs for both intra, and extra, regional trade, are particularly high. Averaging 17 US cents per ton-kilometer on main trading routes, these rates stand out even relative to other inefficient developing country markets (e.g., central and west Africa). However, the policy and other factors associated with increased prices have not been well understood. Using data from a survey of trucking companies operating on the region's main trade corridors, this paper analyzes the primary drivers affecting firms' cost of providing service, as well as the effect of market structure and competition on markups and prices. We find that whereas improved cost efficiencies could reduce prices by 3 cents per ton?kilometer, increased competition on national routes, those entirely within a nation's borders, will reduce prices by significantly more. Although there are many trucking companies, including small and somewhat informal operators, the degree of competition varies by route due to domestic restraints on competition and the prohibition on international competition on national routes. Our empirical result shows that the effect of barriers to entry and imperfect competition on markups accounts for at least 35 percent of mean prices on national routes. Moreover, a lack of competition is likely to explain the persistence of an inefficient market structure and scale of operation, as well as a lack of innovation to reduce costs and enhance the quality of service. Show Less -
Sustaining trade reform : institutional lessons from Peru and Argentina
This paper examines trade policies in Peru and Argentina since the reforms of the 1990s. Peru provides a valuable example of sustaining reform. Leaders have used negotiations... Show More + and other international instruments to disseminate among Peruvians a positive vision of Peru in the international economy and to extend the application of World Trade Organization-based governance principles. Peru has introduced few new restrictions and all of them have been through World Trade Organization-sanctioned policy instruments. Argentina, by contrast, has introduced multiple restrictions, through procedures that eschew World Trade Organization governance principles. Moreover, leaders there have returned trade politics to the dependencia philosophy that sees the international economy as an exploitive environment. The paper brings out the weakness of international obligations to limit Argentina's return to import substitution and the pains at which Peru has gone to maintain the management of its economy within the same rules that Argentina has so easily violated. Show Less -
Dominican Republic - Public Finance and Social Sector Development Policy Loan Project
Ratings for the Public Finance and Social Sector Development Policy Loan Project for Dominican Republic were as follows: outcomes were moderately satisfactory, risk... Show More + to development outcome was significant, Bank performance was moderately satisfactory, and Borrower performance was moderately satisfactory. Some lessons learned included: the International Monetary Fund (IMF) stand-by arrangement was suspended in mid-2011, mainly because the Dominican Republic did not bring electricity prices in close alignment with cost recovery as envisaged. A new government elected in 2012 has not been completely clear about its intentions with respect to increasing electricity tariffs, but the consensus seems to be that tariffs will not be increased. The education and health ministries with Bank support continue to make progress in the implementation of programs for results. There is a need to decide on a transition period for families that were classified poor under the 2004 survey and are no longer categorized as poor under the 2012 survey. The imperative to respond at a time of crisis can be in conflict with starting a dialogue on requirements for longer term reform. The extensive policy dialogue and meaningful analytic work that go along with a normal development policy operation were not part of this operation's preparation. An overly complex design typical of a normal development policy loan without short term indicators that can be monitored (for reforms that will take far longer than the duration of the operation) can detract from efficacy. In light of the previous two lessons, a development policy loan may be the wrong instrument to support a country in a financial crisis. The lack of updated political economy analysis can hamper reforms and Bank value added. A critical mass of Bank interventions in a country can act as a shock absorber for shortcomings in individual operation and help deliver results at times of crisis. Show Less -
Trade facilitation in the Caribbean : the case of customs performance
The trade of goods and services and the inflows from Foreign Direct Investments (FDI) represent large proportions of their Gross Domestic Products (GDP), especially... Show More + in English Speaking Caribbean (ESC) countries. Therefore, the proper functioning of the channels that connect them to the rest of the world, including customs offices, is essential to the performance of their economies. This note shows that, despite integration into the world economy, customs performance in the Caribbean countries is comparatively low. This note presents data from the Customs Assessment Trade Toolkit (CATT), which provides empirical evidence that processes do not meet adequate standards in terms of speed, predictability and transparency. This inconsistency is partially explained by the lack of an effective complementarity between the use of Information and Communication Technologies (ICT) systems and the actual operational practices. This policy note is organized as follows: section three presents evidence on the economic profile of the Caribbean countries to show high integration to the world economy. Trade and FDI are they key aspects being considered in this regard. Section four discusses the role of customs systems for economic development. It analyzes the performance of the Caribbean customs offices in a number of aspects (clearance times, predictability, and transparency) that the literature has identified as critical to promote competitiveness and development. Section five expands this analysis by focusing on how the use of ICT can improve customs performance in those aspects. Section six summarizes the lessons learned by the analysis of these data. Finally, the conclusions section presents some policy recommendations to deal with the inconsistency between high economic openness and low customs performance in the Caribbean countries. Show Less -
Agro-logistics for nutmeg and cocoa exports from Grenada : a logistics chain approach
This study is designed to build a link between the study and improvement of agriculture and that of logistics for agricultural exports, and complements the Grenada Small... Show More + Farmer Vulnerability Reduction project. The objective of logistics chain analysis (LCA) is to understand product movement for two of Grenada's primary agricultural exports and identify opportunities to enhance competitiveness for these and other products by improving logistics. Logistics refers to the infrastructure, machinery, related services, and information systems that allow products to move from the original point of production to the final point of consumption. The analysis identifies where logistics inefficiencies, from the farm gate to the port of exit, increase logistics expenses, travel times, and uncertainty. A strategic plan to increase agricultural exports must involve coordinated public and private investments in the infrastructure, equipment and services necessary for exporters to load and unload products at their own warehouses. Further diagnostic work will be needed to identify the proper technical projects and investments, assess their potential costs and impacts for nutmeg and cocoa exports, as well as for agricultural exports in general. Show Less -
Nicaragua - Nicaragua Strengthening Investment & Export Promotion : P131210 - Implementation Status Results Report : Sequence 01
Export entrepreneurship and trade structure in Latin America during good and bad times : Export entrepreneurship and trade structure in Latin America during good and bad times
The authors use a new dataset on export transactions for a large set of Latin American and Caribbean and comparator countries to assess the extent of "export entrepreneurship"... Show More + during periods of fast export growth (2005-2007) and depressed external demand (2008-2009). Export entrepreneurship is equated with the extensive margin of exports, namely the advent of new exporting firms, new export products, and new export market destinations. The main findings are: (1) annual exporter entry, exit, and survival rates in Latin America and the Caribbean are quite similar to what is observed in other countries, and entry rates across sectors are quite similar but survival rates appear to be highest in agriculture; (2) the relative size of entrants into export markets (relative to incumbents) tended to be lower for natural resource-abundant countries during 2005-2007, but less so during the crisis years of 2008-2009; (3) entry rates tend to be lower in sectors in which a country has revealed comparative advantage, however, exit rates and survival rates of new exporters are higher in those sectors; and (4) the low growth of exports during the global recession of 2008-2009 in Latin America and the Caribbean was due to lower growth in exports of incumbent firms' pre-existing products and destinations, while new products and destinations tended to attenuate the recession's effects. Overall, the data suggest that the Latin American and Caribbean region appears to be no less entrepreneurial in terms of the extensive margins of exports than comparator countries. Show Less -
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I'm not as much for traditional landscapes as some people. I like desolate, almost empty places. I kind of seek them out. I think that being around two small children all the time makes me crave the peace and quiet that these places, and photographs of them, provide. I'd absolutely kill to photograph Death Valley. I also love abandoned factories, but since the one in town closed and so many people lost their jobs (including lots of my family and my husband) I haven't really had the desire to seek those out. I'm going to explore some really personal issues in the photographs I do next, so I think that doing the 'Middle of Nowhere' project right after will help me decompress.
I need to get the basement cleaned up so that I can set up the first shot. For some of these shots I'm going to need someone who can trip the shutter for me (it has to be me in the photographs), and for others I'm going to need models.


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ATLANTA, Feb. 9, 2011 /PRNewswire/ -- GeoVax Labs, Inc. (OTC Bulletin Board: GOVX), a biotechnology company that creates, develops and tests innovative HIV/AIDS vaccines, announced today the opening of a second clinical trial site at the Alabama Vaccine Research Clinic (AVRC) of the University of Alabama at Birmingham (UAB) to expand the company's HIV therapeutic vaccine trial. Although the GeoVax vaccines are currently being tested clinically for HIV prevention, this is the first clinical trial using the same products for treatment of persons who already have HIV infection. UAB joins the AIDS Research Consortium of Atlanta (ARCA) as the second site used for this trial.
"We are very pleased to be expanding this important clinical trial to include the AVRC, a group with which we have worked successfully for several years," noted Mark Newman, PhD, Vice President of Research and Development at GeoVax.
Sonya Heath, MD, the medical director for the study at UAB, said, "New approaches to HIV treatment are critically needed, and an effective therapeutic vaccine would be an important tool in our ongoing efforts to treat people with HIV infection. A vaccine that enhances the body's ability to control HIV and decreases the dependence on antiretroviral drugs would be a major breakthrough."
To be eligible for the study, potential volunteers need to be diagnosed within the first year of HIV infection and they must have started antiretroviral drug therapy within six months of diagnosis. The study will last up to 77 weeks for each participant. All patients will be followed closely to assess vaccine safety and for the ability of the vaccine to induce therapeutic immune responses. Only 10 to 12 persons will be selected to participate.
About The Alabama Vaccine Research CenterThe AVRC, established in 1994, is one of 10 National Institutes of Health (NIH)-sponsored HIV Vaccine Trials Units in the US. The medical staff of the AVRC conducts
|SOURCE GeoVax Labs, Inc.
Copyright©2010 PR Newswire.
All rights reserved


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Years ago, I found myself sitting in law school in Moot Court wearing an oversized itchy blue suit. It was a horrible experience. In a desperate attempt to avoid anything like that in the future I enrolled in a tax course. I loved it. I signed up for another. Before I knew it, in addition to my JD, I had a LL.M Taxation. I needed only to don my cape…. taxgirl® was born. Today, I live and work in Philadelphia, PA, one of the best cities in the world (I can't even complain about the sports teams these days). I landed in the City of Brotherly Love by way of Temple University School of Law. While at law school, I interned at the estates attorney division of the IRS. At IRS, I participated in the review and audit of federal estate tax returns. I even took the lead on a successful audit. At audit, opposing counsel read my report, looked at his file and said, "Gentlemen, she's exactly right." I nearly fainted. It was a short jump from there to practicing, teaching, writing and breathing tax.Contact Kelly Phillips Erb
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This is by far the best explanation of the new Cost Basis issues facing investors this tax season we've seen to date. However, the one thing that investors still aren't getting a clear view on is that they, not the brokerages, are responsible for any and all correct cost basis reporting before 2011. The fact that Cost Basis reporting was so lax in the past may lead to a rude awakening to most investors that bought or were gifted stocks before 2011.


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Egypt's Morsi mum on claims he leaked documents
Posted: August 29, 2014 at 3:01 a.m.
CAIRO -- Egypt's ousted and jailed Islamist President Mohammed Morsi refused to answer a prosecutor's questions about allegations that he leaked classified documents -- some related to the army's budget-- to Qatar via the Doha-based Al-Jazeera broadcaster, Egypt's official news agency reported Thursday.
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With 23 stories, this property is one of the few high-rises in Billings, making it a handy orientation point. Guest rooms are spacious and well appointed, with some providing mountain views. The hotel is noted for its superb Western art collection, which hangs in both public areas and guest rooms. The appropriately named Montana Sky Restaurant ($$$), open for breakfast and dinner, features regional game dishes such as elk loin medallions, along with more usual fare.
27 N. 27th St., Billings, Montana, 59101, United States
406-252–7400; 800-588–7666
Website: www.crowneplaza.com
Hotel Details:
By cmcfong
Sep 15, 2008
We spent the majority of our time in Red Lodge at the outstanding Blue Sky Cabins. Our last night we needed to be closer to the airport. We got a very good deal on the internet for Crowne Plaza. The location is super with easy access to restaurants, shops and the terrific Sat morning Farmers Market. Free internet and printer was very nice. The room itself was fine but smelled badly of smoke...on a non smoking floor. I could not have done more
than one night with that odor. I love the sounds of the trains at night, but it did disturb my companion.
No Thanks


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375 Morris RoadP.O. Box 1479Lansdale, PA 19446
Licensed for 42 years
Go back to Steven's profile.


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2012 marked a record year for America's solar industry.
You are here
SEIA is the solar energy industry's go-to source for the latest coverage on solar power, including U.S. and international policy, research and polls, business and financing trends, and more. Our staff strives to support the media covering solar energy issues and guide our members on effective media outreach with clear statements, background materials, news and multimedia resources.
SEIA is committed to informing policymakers, the media, and the American public about the benefits of solar energy for today's communities, our economy, and our country.
Learn more from our statements and industry news below.
Bill increasing renewable standard for rural co-ops passes committee
A move to bolster Colorado's renewable energy standard by requiring an increase in renewable power for rural electric cooperatives was approved late Monday by a state legislative committee after nearly seven hours of debate.
Building the Solar Capital 'of the Universe'
There are at least two things to know about this high desert city. One, the sun just keeps on shining. Two, the city's mayor, a class-action lawyer named R. Rex Parris, just keeps on competing.
New Colorado Bill Would Expand Renewable Energy Standards
This bill increases the RES to 25% by 2020 for transmission cooperative electric associations that provide wholesale electricity and large coops that provide service to 100,000 meters or more, and eliminates the in-state multiplier for new electricity generation resources built in CO after January 1, 2015. For more information contact firstname.lastname@example.com
Editorial: Keep it clean
Ohio's clean-energy law is creating jobs, promoting advanced manufacturing and small business, diversifying the state's power supply, improving public health by reducing pollution, and lowering utility bills.
California Hits Solar Power Milestone
1.255 GW of solar power is now generated from more than 122,000 rooftops across California. The migration to solar by low- and middle-income homeowners is the main reason behind the popularity of solar power in the Golden State. The data is revealed in the California Public Utilities Commission's (CPUC) 2012 California Solar Initiative (CSI) Annual Program Assessment, which was issued a few days ago.
IKEA Lights Up Solar Installations in Three States
Swedish home furnishing retailer IKEA has flipped the "on" switch for several new locations this week, and is laying claim to the biggest rooftop photovoltaic arrays in Michigan and Virginia.
Atwater Breaks Ground on Solar Panel Site
City officials broke ground Wednesday on a solar panel site that's expected to significantly reduce energy costs on the largest and most expensive project the city's ever undertaken.
Hertz Launches Phase Two Of Solar Energy Program
The Hertz Corporation HTZ +1.67% announced the upcoming construction of two new solar installation sites this year as the initial launch of Phase Two of the company's solar energy program: Newark International Airport and John F. Kennedy International Airport. Combined, the new locations will generate more than 800,000 kilowatt hours of renewable energy and save 641 tons (581 metric tons) of carbon emissions annually.
South Texas Wastewater Plant Goes Solar
The 1,316 solar panels at Weslaco's southern wastewater treatment plant gleamed in the heat June 27 — their second day on the job. When the panels were officially plugged in last week, the facility went from being an energy consumer to a self-supporting energy generator.


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Peggle lists
Games I Have Played2
Games I have played over the years...Ones I can remember anyway!
MasterOfPenguins_Zell: Collection <-- I don't know why that image is there...
Games I've Completed0
Games I have either beaten or played extensively
Completed Games1
Games that I have completed since 2005
Games 20090
Games I've bought in 2009
Games I finished in 20095
2009 is still a threat
My entire game collection in no particular order.
Games I have beaten and my thoughts (if any)
365 Games To Play Before You Die40
These are all the game that have appeared on my (ir)regular blog of the same title. They are in no particular order and I'm going to update it as I go along.
All-Time Favorites7
Not necessarily the best, just the ones I love. In alphabetical order.
Kat's Disorganized List of Preferred Gamery5
Games I Have Completed1
Every game I have ever completed. In most cases I am counting playing up to the credits as completing the game.
Games I Have Played2
Every game I have ever played, including expansion packs but not including demos.
Games | PC Collection0
Rarely buy games on the PC since my PC is old. But here are the game I got.
nintendoeats: Collection
Xbox 360 Pile of Shame0
That's it not buy any more games until I take 10 games off this list. Pity I'm playing a Tiger Woods 11 that can go on forever.
Completed Games0
Games that aren't listed with a date are games that I can't remember when I completed/watched them being completed. Although, they are still listed in a somewhat chronological order.
Best of 20090
PsEG: Best of 2009 I'll start off by admitting I haven't played nearly enough of the awesome games from 2009 that are out there. It's a little embarrassing that I could only recall twelve total, in fact. That's why some of the bottom rungs here are...
Games I've Finished Since 20052
All the games I have ever played.9
This is my crazy and insane attempt to document every single game I have ever played. I've not necessarily completed these games, or even played very much of some of them, but I have played all of them a bit. The list isn't complete (and will probab...
Games with personal meaning...14
These aren't necessarily my favorite games as much as they are games that hold a place in my heart for one reason or another. Some of these games are downright bad, but they are of some importance to me. The games are in no particular order... AT ALL...
Game Informer's Top 200 Games of All Time13
In the 200th issue of Game Informer, they suggested the following games were the greatest ever made. My ambition is to play every game on the list. Can I do it? (spoiler alert: probably not! that's a lot of games!) How many have you played? Do you...
I've been playing video games since I was a small boy, so this list is by no means complete. I started off on the computer with some educational games, before moving onto the Playstation, Playstation 2, Xbox and now finally, Xbox 360. So if you see F...
Every Game I've Ever Finished56
Accurate count: 636
sofacitysweetheart: Favorites
iPhone Collection0
I picked up an iPhone 3G on launch day back in 2008, and then an iPhone 4 two years later when I had to renew my contract anyway. Hardware & Accessories Apple iPhone 4 32GB - Black (complete w/box)
Games I have played in my lifetime!0
This is a forever ongoing goal of mine. I want to put together a list of all the games I have ever played in my life....... Thanks Giantbomb!!!! Thanks to everyone that recommended my list :) I believe it is all up to date. Until my brain reca...
From The Beginning - Console games throughout the years3
---UNDER CONSTRUCTION--- The lists of lists. Every gamer has one and they are usually crazy huge. Mine is no exception. Unlike my other lists, I won't bother adding descriptions or Youtube videos. This list is mainly for myself so that one day I'll...
Every Game I've Beaten (That I Remember)9
So somewhere in the darkness of the late 90s, I decided that the breadth of games that I had gone through merited a list. Perhaps for absurdity's sake, perhaps to try and convince myself to kick the "childish" habit; whatever the case, I now have pro...
Why Do I Have Two (or More) of These?9
For some reason (sometimes not a good one), I own more than copy of certain games.
My Gaming Collection6
I also list what console I own them for. Games I own for platforms they don't list: Cougar Boy: PuppetKnight, Dice Block, Bomb Disposer. Gameking: Starwars, Duckman, Brains, Catman. NOTE: I don't list games as Mac, so some of my PC games are Mac game...
Top 100 Games3
My personal favourite (not necessarily best) top 100 games of all time. Reviewed every few months. Last update 09-June-2014
Campaigns I've Beaten0
It's a cold day in Hell when I beat a game's campaign. Usually distractions, boredom or rage keeps me from completing a game's main campaign, so those seldom occasions where I have need to be recorded for the list-worthy efforts they are!Doesn't incl...
DisclaimerCurrently on Giant Bomb, once you have a list that gets above 600 items or so, you can't actually edit it anymore. When you try to save the list, it just loads forever. I guess lists weren't originally meant to be that big. The only option...
THE 100 TOP GAMES OF GIANT BOMB (Entries go in the list after your vote)32
Just making my own statistic here .Based of what people would reply here : http://www.giantbomb.com/forums/off-topic/31/your-3-top-games-ever/550576/#2 we can see the top 100 games that the people of Giantbomb prefer.The number next to the title icon...
Games played in 20140
Games I played in 2014, roughly in order of preference. Only includes games I played enough of to develop an informed opinion on. (A work in progress, subject to my whims, and not intended as an indictment of any game.)
20+ years of video games.6
Man.... I've played a lot of games I guess.
Games of Video in the Year 2007 CE8
In which debt became insurmountable.
2015 Completed Games Checklist0
I did one of these last year, and I'm doing one this year! I'm also going to take a page from @slag's book and aim to complete over 100 games this year. Will I reach my lofty goal? Who knows! We'll find out together. Just a little note; I'll also inc...
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Frida Kahlo was born Magdalena Carmen Frieda Kahlo
y Calderón in her parents' house in Coyoacán, which at
the time was a small town on the outskirts of Mexico
City. Her father was a painter and photographer of German-Jewish
background, whose family originated from Oradea, Romania.
Following a crippling traffic accident in 1925, Kahlo
turned her attention from a medical career to painting. Drawing on her
personal experiences, her works are often shocking in their stark portrayal
of pain and the harsh lives of women. Fifty-five of her 143 paintings
are self-portraits that incorporate personal symbolism, complete with
graphic anatomical references. She was also influenced by indigenous
Mexican culture, aspects of which she portrayed in bright colors, with
a mixture of realism and symbolism.
Her paintings attracted the attention of the artist
Diego Rivera, whom she later married, divorced, and re-married. An active
Communist supporter, she allegedly had an affair with Leon Trotsky,
who was assassinated at his home in Mexico City by agents of Stalin in 1940. After Trotsky's death, Frida denounced him and became a Stalinist/Anti-Revisionist,
calling Mao's China "the new socialist hope." Her home was
decorated with lots of Socialist Art, including the faces of Marx,
Engels, Stalin, and Mao.
Although Kahlo's work is sometimes classified as surrealist and she
did exhibit several times with European surrealists, she disputed the
label. Her preoccupation with female themes and the figurative candor
with which she expressed them made her something of a feminist cult
figure in the last decades of the 20th century.
Kahlo died on July 13, 1954, of a pulmonary embolism
. Her ashes were placed in a pre-Columbian urn which is on display in
her former home La Casa Azul in Coyoacán, which has been turned
into a museum containing a number of her works.
A biographical documentary containing archival footage,
entitled Frida Kahlo, was released in 1982, in Germany. In 1984,
director Paul Le Duc released the film Frida, naturaleza viva,
which stars Ofelia Medina as Frida Kahlo. In 2002, Miramax released
a motion picture titled Frida, starring Salma Hayek in the title
Kahlo was noted for her unconventional appearance,
including pronounced eyebrows (a unibrow) and a thin moustache which
she did not remove.
Sources: Wikipedia. This article is available under the terms of the
GNU Free Documentation License
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YIELD: Serves 2
Pat the lamb chops dry, sprinkle them with salt and pepper to taste, and broil them on the rack of a broiler pan under a preheated broiler about 4 inches from the heat for 6 minutes. Turn the chops, broil them for 4 minutes more for medium-rare meat, and let them stand for 5 minutes. While the chops are standing, in a small saucepan melt the butter and stir in the zest, the capers, the lemon juice, and salt and pepper to taste. Transfer the chops to 2 plates and pour the sauce over them.


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DALLAS (AP) — Oklahoma State didn't lack motivation after a tough Big 12 finish landed the Cowboys in the Heart of Dallas Bowl. Quite the opposite.
Oklahoma St rolls Purdue in Heart of Dallas Bowl
They had something to prove.
Clint Chelf threw three of his team's five touchdown passes and Oklahoma State rolled up 524 yards of offense and forced five Purdue turnovers in a dominating 58-14 victory Tuesday.
"We were fired up because we felt like we deserved better, basically," said receiver Josh Stewart, whose 64-yard punt return set up the Cowboys' first touchdown. "Coming into the game we knew we had to make a statement. And I think we did a good job of doing that."
Oklahoma State coach Mike Gundy didn't hide the disappointment of sliding down the bowl priority list with an overtime loss to Oklahoma when the rival Sooners scored in the final seconds of regulation, followed by another narrow defeat at Baylor to finish the regular season.
The Cowboys (8-5), a year removed from finishing the best season in school history with a win in the Fiesta Bowl, responded with the school's most lopsided bowl win since Gundy was the quarterback in a 62-14 rout of Wyoming in the 1988 Holiday Bowl.
"Some of the seniors, those guys, would like to have been in a better bowl," said Chelf, who was 17 of 22 for 197 yards with no interceptions. "We're a highly motivated group. I think everybody wanted to go out there and prove people wrong, show them we could win a game like this."
With former Purdue quarterbacks Drew Brees and Kyle Orton watching, Robert Marve didn't get to 100 yards passing until Oklahoma State led 45-0 as the Boilermakers (6-7) fell to 0-4 on New Year's Day.
The Boilermakers gave the Cowboys short fields on their first two scores after Stewart's long punt return and the first of Marve's two interceptions. Various mistakes with the game still close in the first half — a missed field goal, a drop with a receiver behind the defense, and failing to hold on to an easy interception — ended any hope for Purdue.
"When you turn the ball over five times, you don't take advantage of your opportunities, the game can turn out like this," said interim Purdue coach Patrick Higgins, who had fired coach Danny Hope visit the team in the locker room. New coach Darrell Hazell, hired from Kent State, also attended the game.
Leading 28-0 at halftime, Oklahoma State erased any lingering doubt three plays into the second half when Justin Gilbert stripped Purdue receiver O.J. Ross on a short completion. The loose ball shot straight to Daytawion Lowe, who ran 37 yards down the sideline in front of the Purdue bench for a 35-0 lead.
Continue reading this story on the...


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Location: Dallas, Texas
QuakeCon, which is named after id Software's game Quake, sees thousands of gamers from all over the world attend every year to celebrate the company's gaming dynasty. It is North America's largest LAN party, the largest free LAN party in the world, and usually runs over a period of four days.
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Jul 23 – Jul 26 all-day Hilton Anatole
In its 20th year, QuakeCon is a non-stop celebration of games and the people who play them, where thousands of gamers join together to play on a world-class network, culminating in North America's largest BYOC[...]
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