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Friday, July 9, 2010
Family Dollar Stores (FDO) Dividend Stock Analysis
Over the past 10 years this dividend stock has delivered an annual average total return of 9 % to its shareholders. After peaking at 44 in late 2003, the stock fell all the way down to 15 in 2007, before recovering all the way to 40.
At the same time company has managed to deliver an impressive 8.40% average annual increase in its EPS over the past nine years. Analysts expect EPS to increase to $2.60 in FY 2010, followed by an increase to $2.95 in FY 2011. Increases in sales will be driven by expanding the current store count by 2%, as well as increasing same store sales as price conscious consumers purchase the company's value-priced assortment of everyday necessities.
The once cash-only stores now accept PIN-based debit card payments in most locations. Food stamp and credit card acceptance is also being rolled out.
The company has benefited from the recent financial crisis, as some middle-class consumers have traded down to its store locations for everyday items. Family Dollar also drives traffic through limited time offerings as well as stocking up on treasure hunt items which creates customer excitement.
The ROE has been hovering in the 18% - 21 % range over the past 10 years, with the exception of a brief dip in 2005 and 2006.
Annual dividend payments have increased over the past 10 years by an average of 10.10% annually, which is higher than the growth in EPS. A 10% growth in dividends translates into the dividend payment doubling almost every seven years. If we look at historical data, going as far back as 1976, FDO has actually managed to double its dividend payments every five years.
The dividend payout ratio expanded slightly over the past decade but remained under 30% throughout the period. A lower payout is always a plus, since it leaves room for consistent dividend growth minimizing the impact of short-term fluctuations in earnings.
FDO is attractively valued with its low price/earnings multiple of 16.30. The current dividend yield of 1.60% however is low for my taste. I would consider adding a partial position on dips below $31.
Disclosure: Long FDO
Relevant Articles:
- Wal-Mart (WMT) Dividend Stock Analysis
- A dividend portfolio for the long-term
- Three Dividend Strategies to pick from
- Busy week for dividend increases
5 comments:
- AnonymousJuly 9, 2010 at 7:53 AM
Curious as to how you chose $31 as the buy point?ReplyDelete
- AnonymousJuly 9, 2010 at 9:14 AM
Big fan here. I am curious as well. I assume you have an article on your methods but while I'm at it, I'd appreciate a link or explanation as to how you figure out your buy point.ReplyDelete
Been following DGI for a while myself. He was my inspiration for getting into the stock market. I really enjoy his analysis and use something very similar when I analyze companies of interest.ReplyDelete
I can't speak for DGI, but my guess at the $31 price is the current yield criteria. Personally I won't invest in a stock without at least a 2% yield. At $31 the stock would yield 2.06%.
Thank you all for the comments. I did use $31 as an entry price, at which the stock would yield 2%. Because this is below my minimum yield requirement, I am only considering adding a partial position at that price.ReplyDelete
The company offers some outstanding profit and dividend growth, which is an important factor in a dividend portfolio.
Or one could purchase a higher yielder like Kinder Morgan (KMP) and a lower yielder like (FDO) and be able to enjoy the high yield with the high growth component.
- AnonymousJuly 9, 2010 at 11:54 PM
Thanks very much for clarifying. Again, the blog is much appreciated.ReplyDelete
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Euro 2016: Reus left out of Germany's squad
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text: Home » Motherboards » Intel Z68 Chipset Launch Gigabyte Z68X-UD7-B3 and Asus P8Z68-V Pro Review Intel Z68 Chipset Launch Gigabyte Z68X-UD7-B3 and Asus P8Z68-V Pro Review Stuart_Davidson+ May 11, 2011 Motherboards On First Page1. Introduction2. Intel Z68 Chipset Overview3. Gigabyte Z68X-UD7-B34. ASUS P8Z68-V Pro5. Intel SSD Larson Creek 20GB6. Test System and Methodology7. Platform Benchmarks8. Media Encoding9. Cinebench R11.5 / Turbo Mode10. 3DMark 1111. Media Playback12. Intel Smart Response Technology13. Lucid Virtu14. Overclocking15. Conclusion2. Intel Z68 Chipset Overview Intel Z68 Express Chipset Launch Review featuring ASUS P8Z68-V Pro Motherboard Gigabyte Z68X-UD7-B3 Motherboard and Intel SSD Larson Creek 20GB It is probably fair to say that Intel have had a tough time with their H67 and P67 chipsets since launch. The SATA issue which caused a recall of all products shortly after launch has only in the last month or been resolved fully with the arrival of B3 revision boards on retail shelves (and eShelves). That may have led some to believe that it would be some time before we saw any refresh or update to the socket 1155 platforms chipsets however that isn't the case. Today we have the launch of Intel's new socket 1155 chipset, the Z68, which brings with it a plethora of new motherboards. On our test bench we have two separate approaches; the first is Gigabyte's enthusiast Z68X-UD7-B3 and the second, the ASUS P8Z68-V Pro which is aimed at mainstream consumers. Let's find out how they compete against the P67 and 890FX… especially when combined with Intel's new Larson Creek SSD and Smart Response Technology. Pages: 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 Share On


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Remembering Mary AnzaloneJune 19,2014We recently lost a pillar in Rutlands Southwest section when my good friend Mary Anzalone lost her battle with cancer.
So many will remember Marys wide and infectious smile. She warmly greeted everyone at the American Legion polls. She was an avid fan of Mount St. Joseph sports and worked tirelessly in MSJ development and at bingo.
I will always remember Mary Anzalone for her pride of community and especially Rutlands Italian-American heritage. She could often be found at Saint Peters Church and concerning herself with the people and issues affecting her Forest Street neighborhood where she lived her entire life. Like so many whose ancestors traveled from faraway Italy over the years, Mary Anzalone and her neighbors helped forge the proud Rutland City we all call home. Rutland smiles today because of you and so many others who have contributed to making this a community of people and ideas welcoming to everyone.
This year marks the 100th anniversary of the Rutland Italian-American Club. I and other Rutland City and Town state representatives this year sponsored a General Assembly resolution honoring this Rutland City landmark. I wish to dedicate this honor to Mary Anzalone and to all those members of our community with Italian heritage.
Rep. HERB RUSSELL
RutlandMORE IN LettersIs this the best that can be thought of for 100 terrorized refugees? Integration is not putting... Full StoryThis is my second attempt at writing a letter to the editor. Full StoryThere was a picture printed in the May 14 issue of the Rutland Herald which disturbs me. Full Story
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Allure Best of Beauty Award Winner 2011
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I went through the worst breakout of my life recently, with lots of painful cystic acne. Although this stuff cleared it right up in a matter of days, my skin was dry and began peeling, which led to my face being extra sensitive. Since this is pretty strong stuff, keep in mind that if you have sensitive skin you will want to take extra care when using. BUT it definitely works. So there....
I am in my 30's and have hormonal acne. This is the only benzoyl peroxide I've had luck with. It is not to harsh and clears up my breakouts. I've been using it for 3 months now and have not had even a little redness or peeling. I have oily, sensitive, hormonal skin, so I can have a hard time finding anything that works. I've had the best luck with this stuff!
Apply morning and evening on thoroughly cleansed face and neck.
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A computer hacker stole $58,000 from a Franklin business by paying the money out to fake employees, according to police.
The hacker targeted Metal Pro Roofing, a company that makes metal roofs and installs them throughout the Midwest. Someone got into the business's computer server, created several fake employee bank accounts and withdrew $58,000 over a period of five days, according to a police report.
Franklin police turned the investigation over to the FBI since the hacker is not believed to be anyone from this area, chief investigator Pete Ketchum said.
The company has been working with its bank and insurance company in an effort to recover the stolen money, Ketchum said.
Metal Pro Roofing did not return messages.
Owner Richard C. Cornett called police last week to report that a hacker had gotten into the company's bank account. The hacker set up phony debit accounts in New York, Illinois and other states and made several transfers of thousands of dollars, police said.
No one recognized a problem at first, but the company noticed after five days that major withdrawals of up to $23,822 had been made, according to a police report.
The company's bank asked Metal Pro Roofing to file a police report, and the company gave investigators a detailed list of withdrawals, amounts, names, routing numbers and account numbers.
However, local police can't do much to investigate the theft because the crime took place somewhere out of the Franklin Police Department's jurisdiction, Ketchum said.
They forwarded the case to the FBI, which investigates, tracks and maintains a database of Internet crime.
"There's rarely a local origin," Ketchum said. "All these scams, like those crazy Nigerian email scams, can come from anywhere. Generally speaking, everyone should take precautions with their business and home computers."
Ketchum said that people should change their passwords regularly, be careful about what emails they open and regularly check their bank accounts to check any unauthorized transactions.
Small businesses also should have two different computers, using one exclusively for online banking, to be less susceptible to phishing scams or other hacking attempts.


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Feature - Mobility Airman profile: Communications, navigation Airman, deployed from Joint Base MDL, keeps KC-10s ready at Southwest Asia base
Story at a Glance
Airman Daub is deployed from the 605th Aircraft Maintenance Squadron, 305th Air Mobility Wing, at Joint Base McGuire-Dix-Lakehurst, N.J.
Senior Airman Edwin Daub, communications and navigation journeyman deployed with the 380th Expeditionary Aircraft Maintenance Squadron Extender aircraft maintenance unit, performs maintenance in the flight deck of a KC-10 Extender on Nov. 5, 2010, at an undisclosed location in Southwest Asia. (U.S. Air Force Photo/Tech. Sgt. April Wickes)
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KC-10 Extender
Mobility Airman profile: Communications, navigation Airman, deployed from Joint Base MDL, keeps KC-10s ready at Southwest Asia base
Posted 11/12/2010 Updated 11/12/2010
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by Master Sgt. Scott T. Sturkol
Air Mobility Command Public Affairs
11/12/2010 -
SCOTT AIR FORCE BASE, Ill.
-- Senior Airman Edwin Daub is a communications and navigation journeyman deployed with the 380th Expeditionary Aircraft Maintenance Extender aircraft maintenance unit, 380th Air Expeditionary Wing, at a non-disclosed location in Southwest Asia.
Airman Daub is deployed from the 605th Aircraft Maintenance Squadron, 305th Air Mobility Wing, at Joint Base McGuire-Dix-Lakehurst, N.J. Headquartered at Joint Base MDL, the 305th AMW "extends America's global reach" by generating, mobilizing and deploying 32 KC-10 Extender and 13 C-17 Globemaster III aircraft to conduct strategic airlift and air refueling missions worldwide, according to the wing's fact sheet. Additionally, the 305th AMW operates two of America's "largest strategic aerial ports supporting the delivery of cargo and personnel to combatant commanders abroad."
At his deployed location, Airman Daub is part of a team in the 380th AMXS that keeps the KC-10 Extender aircraft deployed there ready for combat air refueling missions every day in the U.S. Central Command area of responsibility.
As a communications and navigation journeyman for the KC-10, Airman Daub advises on problems maintaining aircraft communication, navigation, cryptographic, computer and ancillary systems, his official Air Force job description shows. He is trained to use and interpret layout drawings, schematics, logic and pictorial diagrams to solve maintenance problems. He also advises on aligning and calibrating procedures to ensure optimum operating efficiency and analyzes data received from testing and troubleshooting procedures to determine necessary repair.
Communications and navigation Airmen like Airman Daub are also trained to remove, installs, inspect, maintain and operate aircraft avionics communication, navigation, cryptographic, computer and ancillary systems. They inspect and test systems to locate defective components or interconnections. They also troubleshoot and repair receivers, transmitters, digital and voice satellite communications, multiplexing, electronic switching and radar (doppler, search, and weather) systems.
Furthermore, communications and navigation Airmen diagnose malfunctions using technical orders, schematics, diagnostic software, wiring diagrams and test equipment. They remove and replace faulty system wiring, electrical connectors, antennas, transmission lines and multi-conductor cables.
Communications and navigation Airmen like Airman Daub also have to maintain a myriad of job knowledge to do their work at both home station and while deployed. Subject areas of mandatory knowledge includes electronic and computer fundamentals including theory of transistors, solid-state components, integrated circuits, and digital techniques applied to communication and navigation equipment and systems; principles of frequency transmission and reception applying to airborne satellite, data link, receiver, transmitter, multiplexer, and switching equipment; interpreting technical orders, wiring diagrams, and schematic drawings; and concepts and application of maintenance directives.
The 380th AEW is home to the KC-10 Extender, U-2 Dragon Lady, E-3 Sentry and RQ-4 Global Hawk aircraft. The wing's deployed mission includes air refueling, air battle management, surveillance and reconnaissance in support of overseas contingency operations in Southwest Asia. The 380th AEW supports operations New Dawn and Enduring Freedom and the Combined Joint Task Force-Horn of Africa.
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Rik Isensee, LCSW,
practices psychotherapy in San Francisco, Calif. He is the author of three self-help books for gay men, plus the mindfulness guide, Shift Your Mood. He is an accredited mindfulness teacher through The Mindfulness Training Institute.
Gay men have been at the forefront of sexual liberation, countering homophobia, and expanding the boundaries of sexuality and intimacy. Yet, many gay men sense there is something missing in their sexual and emotional relationships. How do we create or maintain the aliveness of a thriving sexuality, while at the same time being conscious of our choices, mindful of their effects, and kind to each other in the process?


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Things to Look from Hilliard Divorce Lawyers
Hilliard divorce lawyers are the strong forces when it comes to deal with marriage matters. Still, you can find difficulties to find the good one. It's because you don't have any reference and you don't even know what kind of lawyer you should hire. Due to this reason, there are several ideas to use when you are looking for a good divorce lawyer. The number one is by asking a lawyer. If you know a reliable attorney around your neighborhood, you can ask a reference of a nice divorce lawyer. Getting references from someone who understands the law is a good thing.
Using the Internet
You live in a modern era. Why don't you take advantage of the technology such as the internet? While you don't know any lawyer to ask a reference, you can search professional divorce lawyers online. It will be challenging, though. The internet is full of lawyers and they all try to get as many clients as possible. The worst part is that they don't pay attention enough to the quality. It means you should carefully choose the one before hiring. A good lawyer has lots of experience in his field. When it is about divorce, you need to find the one who has the most cases in this field.
Hilliard Lawyer Referral Service
If you live in Hilliard, you can simply visit the lawyer referral service. There you can read the list of Hilliard divorce lawyers as the reference. It saves much time and effort so you can find the best one sooner. Remember, not all lawyers are listed. The resource isn't always useful as it seems. You need to make sure taking questions about available lawyers for your marriage problem. If necessary, you need to talk to more than one lawyer. Ask each of them how can handle your specific problem. They have different expertise so you need to be comfortable to work with one of them.
When it comes to choosing a divorce lawyer, a checklist will be a big help. You can put some outlines when filtering available attorneys out there. The first outline is the experience. The longer an attorney has been practicing in divorce matters, the more he understands the field. It means you need to choose the most experienced one. Otherwise, you will get disappointed with the result. Next, does he have some memberships and affiliations? The attorney should be a member of a particular organization. It shows his professionalism and quality.
Hilliard divorce lawyers come in different quality and experience. Not to mention they charge you with different amount of money. The cost is an important consideration when you are hiring a divorce lawyer. Unlike other practices, they don't offer free consultations. The best ones will cost you big money. It means you must be prepared to spend more money. Yet, they are worth the investment as you can overcome your problems in a timely manner. You should put this in mind. A high quality service comes with a high price. You shouldn't expect a satisfying result from a cheap lawyer.
How To Find The Best Immigration Lawyer
Finding a lawyer might be easy but finding the best lawyer that is right for your immigration case might be more difficult than you think. Especially for those who look for salt lake city, utah immigration lawyers; you will find some best immigration lawyers which are worked to fulfill your need. There are some considerations before you determine to choose the immigration lawyer to manage your case. Here are some points to do before hire.
How much the immigration lawyer charge?, At first, when you making an appointment for early consultations, ask for the fee to hire him/ her be for every task he does. Some of them offer it for free even for the consultation you do, while the others have found that they will spend many times for doing this way, because they meet so many immigrants who and have no choices available. Finally you have to spend not only your time but also your fund.
Experience Term
Another thing to concern is about the experience term. As we know that Immigration law is not only focused on a specialized area but also have multiple subspecialties within it. You have to know that not of all an immigration lawyer who helped your friend reach an political asylum which directly help you get an H-1B based visa. Thus, it is important for you to ask some questions about his experience and the type of immigration benefits you want to get from his service.
There are some professional utah immigration lawyers to choose from. They offer a variety service and free consultation. At least they give you a freedom to fulfill your need practically and simply. The most important aspect to choose the best lawyer is that he offers you with Family Based Immigration Law. This service allows you to file immigrant petitions for your family members which can include adult children as well as your minors such as spouse, parents and siblings.
The Career Planning – Key To Your Future
The biggest mistake most make in their own careers? Many times the individual will fit on their own in to a job instead of finding a job or career that matches all of them as well as subsequently suits their own life.
Career planning makes just about all the difference. Thinking about what you need each and every phase of your career, placing it down on paper, considering in terms of progress in 3 months to a year to 3 year times and sometimes looking at your progress are required ingredients to planning and developing a fulfilling as well as rewarding career.
It's no mystery which many people surrender themselves to under fulfilling careers, not really working as much as their own possible and having by no means fully investigated all of their options. For instance, peer or family pressure guides some into college whenever entrepreneurship or a technical school education may be better. Others choose university majors or fall into work based on the revenue possible after which later discover they're unsatisfied.
Lately a survey says almost half of college-educated workers in between the age groups of Twenty five as well as 50 questioned said they'd select a different main if they could do it more than. The majority of college graduate students will possess switched careers at least once, Read the rest of this entry »
Making Money Doing What You Love The most
Some people seem to spend their working lives tied to a desk or doing some hum drum work because they need the money. They go to work to earn money, feed their families and pay for a roof over their heads . . . what a sad existence.
Other people appear to have it all making their money by doing something which they actually enjoy – are they the lucky ones or are they just smarter than the rest of us?
Here are some of our favorite hobbies and pastimes which can become a profitable career with a little luck and a lot of hard work.
Dog walkers – if you love dogs but don't have one yourself you could earn a tidy sum by walking them for other people. Even if you do have your own dog you can still turn this pleasurable pastime into a profitable business. Some dog walkers charge anywhere between $10 and $20 per dog, per walk, and if you can take out 2 or 3 dogs at the same time every day it will soon add up. The best chance to start with this business is to start by walking dogs for people you know who can then recommend your services to others.
Baking – some people are natural born bakers and some aren't. It doesn't matter how much they practice they just can't seem to get the right balance between science and talent. People who can't bake are often more than willing to buy cakes and cookies from people who can. A good place to start is by offering free baked goods at nonprofit events and fairs then hand out a few business cards. You could even sell your cakes at weekly Farmers Markets. If you are also a talented cake decorator the world could really be your oyster.
All types of Crafts – some people are naturally arty and creative and others are not. There's a great range of craft tools and accessories at www.thelashop.com to give you some ideas and once you've prepared a few handmade gifts you can sell them online or at the local craft fairs and markets. If you create something like a Facebook page your creations could be going viral in no time. .. Your creations could be the next big thing.
Photography – if you're a keen photographer with just a little amount of knowledge then you could make a pretty penny doing what you love the most. If you take sellable photographs you could market them at local craft fairs or boutiques, you could even sell online to save on the costs of printing and framing. Freelance wedding photographers can also make a good income – most people get married on Saturdays making it the perfect way to supplement your income. There's a great range of products available at http://www.thelashop.com which can help to make your photographs appear even more professional.
Music – if you love to play the guitar (for example) and have more than a small amount of talent for it then you could become an evening entertainer around your local clubs, pubs and restaurants. You will often be paid a relatively small amount but also get free food and drinks for the evening. You never know where it may end. If you love playing the guitar but that's really not your scene you could alternatively earn some extra cash giving guitar lessons in your home. Print out a few flyers and pop them into the local music stores, restaurants, bars and on school community boards to get the word out. Make sure that you price yourself competitively, at least until you build a reputation.
Distance Learning Explained
What exactly is Distance Education?
Changing through the conventional idea of advanced schooling where students generally is needed to journey to exactly the same actual physical grounds as thier instructor, Distance Education programs enable college students to go after their own desired training course in coziness of their house by itself. This kind of programs allow the scholars to get appropriate class info without one getting to leave the house.
Distance schooling utilizes the choice indicates to instruct curious college students through the use of a mixture of audiovisual talks, goal exams, and prepared conferences along with human being teachers.
Different kinds of Distance Learning
Leading record of range level applications are those that consist of classes online. This kind of programs extremely take advantage of the actual Internet, that helps reduce the procedure away for somebody to total their own whole level on the internet. Numerous other range level applications the actual utilize of movie and tv techniques to total the required training course.
The Internet offers much more eased and unplaned the idea of range schooling applications than previously. Several schools and colleges possess began to set up on the internet programs and applications which can become went to totally with the benefit of the actual Internet. The getting pregnant of range schooling level has furnished an excellent chance for numerous college students who else can right now understand actually from the remote control establishing.
Read the rest of this entry »
Career Planning: To Be Effective Get This Right!
Career planning can get numerous types. It may possess began in high college whenever you noticed you preferred dad succeeding as an accountant los angeles. Or possibly a school profession therapist steered you right into a developing industry. Possibly, right after operating several years a buddy suggested you for a place in the organization wherever these people worked well.
Perhaps planning your job is the recognition one time which you experienced to maintain informed of that which was occurring in your job and you prepared to go through several suitable publications.
And simply perhaps you published away an in depth strategy, create a technique to get some new abilities, explored option employment opportunity, additional a few versatility to maintain conscious of feasible profession modifications and regularly examined your job improvement.
For any profession strategy to work you possess to understand this correct. It can such as creating a automobile and ignoring to place in the energy container. The automobile might look solid, the actual color brings in interest, and it might possess the most recent in technical improvements however main point here: with no energy container it can no much better than an awesome yard design.
The energy of you profession strategy is really a strong financial strategy. In case you strategy to include to your own abilities and you you don't have the actual financial sources to spend for the actual college tuition or even your time money to go to an essential profession associated meeting you profession strategy is going to be stalled.
Read the rest of this entry »
Human Resource Courses and Trainings
There are significant points to remember in filling out entry-level jobs. Employers look for employees who may have majored in Human Resource courses.
Human Resource courses such as administration, industrial and labor relations are very much in demand in employment and in other related occupations.
Other employers may also want to seek for college graduates who may have experiences in technical or business related courses in order to compliment their Human Resource degree. For many specialized occupations, previous experiences are always an asset. This applies especially to those experienced managers, mediators and supervisors that can be essential factors in applying for a new position.
Keen competition in searching for new jobs is expected since there are a plentiful number of fresh graduates and experienced employees. To attract the most competent and qualified employees, you should pay attention in connecting to a credible Human Resource training course for your new employee. Read the rest of this entry »
Should You Make A Career Decision Based Upon a Career Quiz?
Q. I'm about to graduate High School and I don't know what I want to be "when I grow up". Do you think that a career quiz might help me decide?
A. Yes, yes, a thousand times yes! But maybe not for the reasons that you think. You see, as the great Quizmaster, I've found one thing to be true: A career quiz, or any quiz for that matter, is always biased towards the thoughts and belief's of the person who wrote it.
Usually a career quiz is written for entertainment purposes only. Now, if you are calling it a career quiz, but you really mean some sort of standardized occupational guidance test like professional career counsellors and the military use, then those are typically valid assessments of your career capabilities. Read the rest of this entry »
Career Planning – The Key to Your Future
The biggest mistake most make in their careers? Many times the individual will fit themselves into a job rather than finding a job or career that fits them and subsequently fits into their lives.
Career planning makes all the difference. Thinking about what you need at each stage of your career, putting it down on paper, thinking in terms of progress in 3 months to a year to three year intervals and frequently reviewing your progress are all necessary ingredients to planning and developing a satisfying and rewarding career.
It's no mystery that many people surrender themselves to less than satisfying careers, not working up to their potential and having never fully explored all their options. For example, peer or family pressure guides some into college when entrepreneurship or a technical school education may be better. Others elect college majors or fall into jobs based on the earnings potential and then later find they are unhappy. Read the rest of this entry »
Teen Career Quizzes Can Help You Discover Your Future Adult Career
Taking the right Teen Career Quiz will point you in the direction of Jobs that may be a best fit for your Personality Style. When you are trying to figure out what you want to do with the rest of your life, pay close attention to what things you like to do and do not like to do. This is something you can use to guide you on your Career Path to the right career choice. You do not want to get yourself hung up in a Career Mismatch.
When I joined the Military, I was tested for my working aptitudes and transferable skills. The test placed me into a Clerical and Administrative position, because it matched my aptitudes and capabilities best. The Job was what I liked to do, and especially something I could do well – It fit.
When I was Discharged from the Armed Services, I went into Construction right away – Big Mistake. I never liked it, but stayed because of the money and benefits. It was not who I was. I hated it – I got myself trapped into one big Career Blunder. This is exactly what you need to do. Not get trapped or necessarily join the Military, but find out who you are. It is your job to find out what your true calling, or ideal career is. Read the rest of this entry »


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The Style Gallery is a great new way for you to view, love, and share outfit photos. It's meant to showcase
all the expressive, creative, and inspirational personalities of our community!
Love you too!
Your email has been sent!
This item was picked by you in our Be the Buyer Program and will be sold exclusively online at ModCloth! What's this sight that's risen before you? The sweet hue of this feminine frock immediately pulls you in as you go on to admire the faux sweetheart neckline with ivory lace, fitted waist with tie belt, and twirl-worthy skirt with a peek of lace beneath. Add a cropped angora cardi, opaque stockings, and a pair of silver heels for your 'plum' role in the style spotlight!
Final Sale: This item cannot be returned or exchanged.
All measurements in inches.
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pressed hazards on then off and now i have no tail brake signal. also turn signal only works when hazards are in on position, but no hazard lights. could it be the box that the signal switch is connected to under steering column cover?
by scott1976 in Dwight, IL on May 03, 2009


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Sign up for Office 365
Learn more about Office 365
Why is it that on my previous website with Office Live, there are individual fields for persons who are visiting the website to fill in and then push the submit button.
One the new website, the contact us page has none of these fields and has no submit button. How can I get these on my new contact us page?
Thanks for the feedback.
Add a Contact Us module to the Contact Us Page


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Toronto West Executive:
- Board Representative: Hilda Swirsky, RN, BScN, MEd email@example.com
- Immediate Past Board Representative: Paula Manuel, RN, MN firstname.lastname@example.com
- Policy & Political Action Executive Network Officer (ENO): Hilary Hall
- Communications ENO: Piroska Bata
- Social Media ENO: (Facebook) Paula Manuel & (Twitter) Piroska Bata
- Financial Officer: Marva McCalla
- Membership ENO: Megan Brady
- Student representative Humber/UNB: Christine Carlile
- Student representative York University: Catherine Cenkowski, Ashley Aman
- Student representative University of Toronto: TBC
- Student representative UOIT Egers Metaj
- Assembly Rep: Kamala Persad-Ford
- Assembly Rep: Paula Manuel
AGM Teleconference
Your Region 6 executive warmly invites you to our 2016 Annual General Meeting (AGM) on Wednesday, Feb. 17 from 19:00 to 21:00 via teleconference. Click here to view our agenda - call-in information is included.
5:12pm Nov 17, 2015
Region 6 & 7's December celebration!
Date:Thursday, December 3, 2015 - 17:30 - 20:30
Interested in meeting new friends? Looking to connect and network with nurses who share the same passion? Want to have an evening of fun and celebration with colleagues? Curious about what RNAO is all about? Invite your friends and join us for our December celebration!
Deadline is extended to 11:59pm November 30th so register now. Members and non-members are welcome!
3:55pm Sep 11, 2015
Why Toronto Health Matters: All Candidates Debate
Date:Tuesday, September 29, 2015 - 18:30 - 20:30
Do you know where your candidates stand on health and health care in the upcoming election?
Hear directly from the candidates and ask your questions on health and health care by attending a debate close to you. Listen to what they have to say. Reflect on what they want to do. Make an informed choice about your future.
Be a part of the process. It's your right. It does makes a difference.
Contact Hilda Swirsky for more information.
Get informed, get engaged, and get ready to cast your vote.
8:56am Sep 11, 2015
HOLD THE DATE - 3rd Annual December Celebration
Date:Thursday, December 3, 2015 - 17:30 - 20:30
Contact: email@example.com
Region 6 & Region 7 Executive Invites you to the 3rd Annual December Celebration
Thursday December 3, 2015 @ 5:30 PM.
The Monte Carlo Inn (Savoy Suite) 7255 Warden Ave. (just north of Steeles)
Speaker: President Elect, Carol Timmings
Great Food! Great Speaker! Great Social!
Cost: Members $25.00
Non-Members: $35.00, Students $15.00
Celebrate 25th & 40th Year Member Awards - Door Prizes
3:02pm Jun 2, 2015
RNAO Open Café: Municipal Advocacy and the Modern Nurse
As the finale of the Political Cafés for 2015, we are hosting the capstone event for all RNs in Region 6 &7:
Workshop on Action for Social Change
Where? Bread and Bowl, 2 Murray Street, Toronto (Elm and University, near Mt. Sinai Hospital)
Facilitated by Region 7 political action committee members and Brian Hyndman, MHSc, PhD(C). Brian has over twenty years of experience in building the capacity of those involved in healthy policy making. His current research focuses on health equity and policy change strategies specifically focused on the social determinants of health. He is a past member of the Toronto Board of Health.


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Theres fuel, spark compression and the timing Belt is good. The car cranks but wont start replaced the mass air flow sensor so thats out. After the car cranks it smells a lot like gas like if theres to much fuel. It sounds like it wants to start but nothing. Cant get the codes because my dad decided to take the battery out. Plz help
by Toaster9129 in Granada Hills, CA on January 14, 2014


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PHILADELPHIA (AP) — Families from a small northeastern Pennsylvania town are planning to confront the head of the U.S. Environmental Protection Agency over an abrupt change in plans.
The residents of Dimock have said for years that their wells were contaminated by the natural gas drilling procedure known as hydraulic fracturing, or fracking.
Last week, the EPA agreed to truck in water for their homes. But the agency reversed itself 24 hours later and now says the matter is still under consideration.
Protesters plan to greet EPA Administrator Lisa Jackson on Friday at a forum she's attending in Philadelphia.


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I was cruising around the corner of the MUP (Olentangy bike trail in Columbus, OH - close to OSU) and saw a guy go down hard.
I pulled over to the side to see if he was ok. He got up pretty quickly, but was limping and had several patches of road rash on his legs and arms. I think he had a little bit on his face as well. His jersey was torn behind his left shoulder.
Amidst the wreckage of the beautiful bike (full carbon Felt) was a dead squirrel. I don't know if he hit the squirrel or if it jumped into the spokes, but the fork snapped off right under the bottom of the head tube. The guy said, "Did that really just happen?" He must have been shaken up just a little bit, but I hung around long enough to make sure that he had a ride and that he was ok. Damn little twitchy *******s. You can bet I'm keeping my eyes peeled even more closely now.
He said it was kind of humorous that he was getting ready to sell the bike to his uncle this week. I guess not so much now.


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Photo Gallery
Changing of the guard
After 38 years, Athens bids farewell to veteran Sen. Broun
Athens teen returns home after undergoing liver transplant surgery
First night of a new millennium
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Lawmen, lawmaker headed beyond sunset
Gordon leaves after 28-year stint
Dawson sticks with private law practice
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A surprising move here by Universal. It's not often that South African films are remade by Hollywood studios. I'll have to research, but this just might be a first, or, at least, a very rare buy.
The studio has announced that it picked up the remake rights to the South African action/drama iNumber Number, directed by Donovan Marsh (his third feature directorial effort), which stars Sdumo Mtshali, Presley Chweneyagae, Israel Makoe, Hlubi Mboya, and Owen Sejake.
This is a month after the film World Premiered at the Toronto International Film Festival, where it was picked up by Fortissimo Films. The company acquired worldwide distribution rights (excluding North America and South Africa however).
The violent, action-packed and adroitly-written and directed film by Marsh, has an oddball cast that provides some comic relief.
Needless to say, the Universal Pictures version will be set in the USA. Chris Morgan (Fast & Furious flicks scribe), and his partner Emile Gladstone, will produce the remake via their Universal-based Chris Morgan Productions.
Aram Tertzakian of XYZ Films is also producing.
I wouldn't automatically expect a cast made up primarily of black actors either. It's a remake.
Watch the gritty trailer for the original below:


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- PeruRetailFunding via Asociación Arariwa
Inmaculada ...PeruTransportationFunding via Asociación Arariwa
MaribelPeruFoodFunding via Edpyme Alternativa
El Altiplano Group
Update on El Altiplano GroupThe members belong to the communal bank El Altiplano. This bank is located in the district of Anta, belonging to the province of Cusco, department of Cusco.
The member is Yanira. She is single, 39 years old and has 2 children. The member alternates her daily activities with the business of selling jackets. Things are going well with her business thanks to the effort she puts in each day to her work. She works in one of the fairs held on Saturdays. She is a responsible and diligent person. She wants to be able to continue working in this way to support her family.
The member is asking for a loan in order to buy jackets for her business.
The other members work selling cellphones, in clothing businesses, grocery stores, and selling linens.
The person with a covered face does not belong to the communal bank.
The members in the attached photo asked permission to arrive late to the meeting because of work reasons.
The member is grateful to those who are a part of this dream through this means and she is committed to making her payments on time.
La socia es la Sra. Yanira ella es soltera tiene 39 años y tiene 2 hijos; La socia alterna sus actividades diarias con el negocio de venta de casacas, la socia lleva buen tiempo con su negocio el cual le va bien gracias al empeño que le pone cada día a su negocio, la socia vende en una de las ferias que se realizan los días sabados, la socia es una persona responsable y empeñosa, la socia desea poder seguir trabajando para de esta forma seguir apoyando a su familia.
La socia solicita el crédito para la compra de casacas para su negocio.
Los otros socios se dedican al negocio de venta de celulares, negocio de ropa, negocio de tienda de abarrotes, venta de lencería y negocio de venta de ropa.
La persona que sale con la cara tapada no pertenece al banco comunal.
Los socios que salen en la foto adjunta pidieron permiso para llegar tarde a la reunión por motivos de trabajo.
La socia agradece a quienes forman parte de este sueño mediante este medio y se compromete a cumplir con el pago de sus cuotas en el plazo establecido.
Previous Loan DetailsThe members belong to EL ALTIPLANO Communal Bank. This bank is located in the Anta district, in Cusco province, Cusco department, María Elena is one of the members. She is 41 years old, single, and has one child. She runs a stall selling basic supplies such as rice, sugar, milk, and oil. The sta... More from El Altiplano Group's previous loan »
Additional Information
Important InformationAbout Asociación Arariwa
Asociación Arariwa is a large non-governmental organization that started offering microcredit in 1994 to improve the quality of life, skills and equity of the population in the rural Cusco region of Peru. Arariwa serves the southern Andean provinces of Peru, and is distinguished by its efforts to reach the very poor, who often live in isolated rural areas. Arariwa fosters village banking, supports savings accounts, promotes access to education, and empowers women entrepreneurs (who make up 78% of its borrowers).
Concurrent and Successive Loans
Our Field Partners often work with borrowers over a series of loans as the borrowers build credit, take out bigger loans, and expand their businesses. In order to make it easier for our Field Partners to post loans for borrowers who have been listed on Kiva before, we allow them to post successive and concurrent loans for their Kiva borrowers. This means that our Field Partners are able to post a borrower's second, third, etc., loan on Kiva without having to re-enter all of the borrower's information.
This borrower has been listed on Kiva before, so you'll see an updated loan description, as well as excerpts of the original descriptions from earlier loans. Most borrowers take out loans consecutively, meaning that they receive a second loan after having repaid the first. However, sometimes our Field Partners give out concurrent loans, allowing borrowers to take out one primary loan and a secondary "add-on" loan along with it. These "add-on" loans are typically smaller than the borrower's primary loan and serve a different purpose. Because Field Partners can now post loans as successive and concurrent loans, you will be able to track borrower progress over time and see the various ways a borrower is working with our Field Partners through funds from Kiva's lenders.
This is a Group Loan
In a group loan, each member of the group receives an individual loan but is part of a larger group of individuals. The group is there to provide support to the members and to provide a system of peer pressure, but groups may or may not be formally bound by a group guarantee. In cases where there is a group guarantee, members of the group are responsible for paying back the loans of their fellow group members in the case of delinquency or default.
Kiva's Field Partners typically feature one borrower from a group. The loan description, sector, and other attributes for a group loan profile are determined by the featured borrower's loan. The other members of the group are not required to use their loans for the same purpose.
Loan tags help lenders find loans that match certain areas of interest. You can add up to 5 tags for this loan.
About Peru
41View loans »
Success!! The loan was 100% repaid
- Repayment Term
- 8 months (Additional Information)
- Repayment Schedule
- Monthly
- Pre-Disbursed:
- Sep 11, 2013
- Listed
- Sep 19, 2013
- Currency Exchange Loss:
- Possible
- Ended:
- Apr 16, 2014


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Perhaps Liberty should change its nickname to "The Bankers."
After all, the Minutemen have been keeping hours that would make J.P. Morgan blush.
Liberty Athletic Director Lori Mattson announced that the Region III semifinal between R.E. Lee and Liberty will be played on Saturday night, rather than on Friday.
A field soaked by days of heavy rain proved unplayable. With the weather clearing, it should be dry enough on Saturday.
Game time is 7:30 p.m.
Not even a 51-26 loss to Northside in the season finale could derail the Staunton River express.
When practice kicked off this summer, Liberty Head Coach Chris Watts wasn't sure what he had on his hands.
It wasn't supposed to end like this.
Jefferson Forest left no doubt as to which is the best girls' team in Region III.
I often state that I have the world's greatest job. After all, I get to go to a bunch of ball games for free, take pictures and then write whatever I feel like writing.
One hundred seventy-two runners and walkers participated Saturday, Nov. 7, in the 12th annual Apple Valley 5K cross country race at Gross' Orchard in Bedford County.
Volleyball fans, take heart. At least, save gasoline.
Thursday night's Region III semifinal match between Jefferson Forest and Lord Botetourt was scheduled to take place at Wilson Memorial, a couple of hours away.
By mutual agreement, that match has been moved to a closer location: Staunton River High School. It will still take place at 7 p.m.
The following is the schedule for the Seminole District Volleyball Tournament:
Monday, November 2, 2009
Game #1: EC Glass vs. Heritage @ EC Glass 7pm
Game #2: Rustburg vs. Amherst @ Rustburg 7pm
Copyright © 2016
The Bedford Bulletin is your source for local news, sports, events, and information in Bedford County and Bedford, VA and the surrounding area.


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That was better than I expected. Actually, I really like it!
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November 26th, 2012 (2:27 PM).
Sassy Milkshake
It's ok to cry.
Join Date: Nov 2012
Age: 24
Gender: Female
Nature: Sassy
Posts: 373
Pretty much all of the superhero movies. I went into Iron Man, Captain America, The Dark Night Rises, The Avengers, pretty much hating actiony superhero type movies. But after watching a couple I thought they were actually pretty interesting, leading me to watch more and be even more excited for things like The Avengers.
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Celtic music from Nova Scotia, performed by award-winning musical sisters Cassie and Maggie McDonald, is scheduled tonight at Trent River Coffee Company in New Bern.
The two are fresh from an appearance at Ocrafolk Festival at Ocracoke Island and will stop in New Bern en route to a European tour to Austria, Germany and Italy.
�A chance encounter revealed that they would be in New Bern three days before they flew,� said promoter Vana Prewitt, a member of the Down East FolkArts Society. �Some quick action and alert to numerous social networks has made it possible to bring two magical young women with roots in the area of Antigonish, Nova Scotia.�
The 7:30 p.m. concert is free, with donations accepted. The duo�s CDs will be on sale at the coffee house.
�Their music fits together seamlessly, encompassing various styles from Cape Breton reels to Antigonish polkas, Quebecois fiddling and foot work to down east standards,� added Prewitt. �The McDonald sisters captured the hearts of visitors to Ocrafolk this last weekend.�
According to their web site bio, the sisters stay true to their Celtic roots, while exploring the boundaries of traditional music.
They were Canadian Folk Music Award nominees for �Young Performers of the Year� and East Coast Music Award nominees for traditional album the double Music Nova Scotia Award nominees for new artists and root album of the year.
On the web: cassieandmaggie.com
Charlie Hall can be reached at 252-635-5667.
Location, ST | website.com


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We started out with a basic premise in our home kitchen in 1989 - to provide fresh and healthy meals. We were time starved as everyone else, and thought wouldn'More
$10 mil. - $25 mil.in Revenue
100 - 250EmployeesContact people at this company
195 Steinway Blvd.TorontoOntarioM9W 6H6Canadaview map
(416) 213-9720
ProPub_Iteration_NT.411[05] SEIDXWK-23


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Sunday, November 8, 2009
16 comments:
- Replies
Serials/keys up there are not working! Luckily i have found the workings serials/keys for this and I am going to share here! :)
CLICK HERE TO DOWNLOAD 100+ serials/keys that are tested working
CLICK HERE TO DOWNLOAD 100+ serials/keys that are tested working
the list of the keys are legit and i guarantee it works!
Hope i helped !!!
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Call 1-800-392-1111 to report poaching and arson
Violations? Report them >>
Unless exempt, you need fishing permit as well as a daily trout tag. The daily trout tag is $3 for adults and $2 for youth 15 and younger. Trout tags and permits can be purchased at the park.
November 13, 2015 - February 8, 2016
Trout fishing is allowed from 8:00 AM to 4:00 PM Fridays through Mondays.
Catch and release fishing only
Allowed lures: flies only
March 1 - October 31
Daily limit: 4 of all species combined. You must stop fishing after have 4 trout in your possession.
At Roaring River State Park, a daily tag or a trout permit may be used for fishing from the first bridge below the old dam in Zone 3 to the downstream park boundary.
Fishing zones, allowed methods, and regulations vary. Ask for additional information when you purchase your tag or read more.
Several of the onsite fish hatcheries offer visitor centers and displays and tours.
This is NOT a legal document. Regulations are subject to revision during the current year.Refer to the Wildlife Code.
We welcome your comments on all our regulations. Learn more.
Knowing regulations and permits definitions helps you abide by the Wildlife Code of Missouri.Learn more.
MDC protects and manages Missouri's fish, forest, and wildlife resources. We also facilitate your participation in resource-management activities, and we provide opportunities for you to use, enjoy and learn about nature.


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Yup, my main on dota2.
korean CM
nice art!
nice art!
Very cool!
I just thought u should know that someone put this drawing on steam workshop as a loading screen. I don't know if it's you but I hope so.
My favorite CM artwork to date! I love it so much that I used to create a custom mousepad for myself So refreshing to see a CM artwork that doesn't just exaggerate her boobs!
Wonderful !
I really love the colors, the style, the effects... all !
I really love the colors, the style, the effects... all !
that's GORGEOUS. I love the motion and the outfit is fantastic <3
Bought this yesterday at AX, so dope! Also my favourite dota 2 supp to lane with
I was interested this work.
Pleasant tones.
Pleasant tones.
This pic is one of my favourites so far Awesome dynamic, brilliant drawing/shading style and the iceblue color of her dress in that environment ist absolutely amazing OMG, it is soo beautiful
one of aggressive supports in dota like this vry much. no wallpaper version?
one does not simply 'main' a hero in dota
Very Good!!!
best hero evaaaa
wow you're main? hehe Crystal maiden the best!
Hello, u dont have a larger version ?, i want it so bad to be my new wallpaper!!
you have earned yourself a follower/watcher and maybe if you want to play DotA 2 together, steam~ Crystal Maiden was my favorite looking hero since WarCraft 3 DotA Although DotA 2 sure looks better Especially this artwork of yours
So Awesome!
awesome! Rylai Crystal Maiden.. ^_^
Hey your character is HOT I only played Dota once and spent all my time running away and freaking out. ):
I would like Crystal Maiden a lot more if her voice wasn't terribly annoying.
Ah, I'm too busy listening to my teammates screaming so her voice doesn't bother me too much, but I can definitely see how it would irk some people.
you quit league NOOOOOOOO
It's great
Beautiful, awesomly drawn, especially the light/shading
Beautiful work
congratulation!! really great work and colouring
Wow, this is really good, I like it!


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Read and rate Travel Journal Entries for Tok, Alaska, United States
May 21, 2014 - Alaska Hwy...Michelle the Musher, Carcross Desert, Tagish and White River, YK
Just south of Whitehorse, on the way to Skagway where we will go on the return trip, are the towns of Carcross and Tagish. Along the route that day was the splendid Emerald Lake and unique Carcross Desert. Near Carcross we stopped at Caribou Crossing which is owned and operated by Michelle Phillips, a competitive dog sled racer (musher) for over 14 years. Here she keeps her dogs and equipment and a small collection of other critters. She gave us a personalized tour and briefing on what happens in a dog sled race. Very interesting. Not much...Jump to full entry
Oct 23, 2013 - Peddle to the Metal
Where can you find warm temperatures in October in the lower 48? That was what we wondered, and what we were seeking. As we drove off the ferry in Bellingham, WA we knew we had to go south asap. Forget that we really wanted to visit Olympic NP... it was closed. :( So, our goal was to drive down to Zion NP in southern Utah, which was OPEN. Nice temps, nice hikes, nice food. Further south ='s warmer temps... so off to southern AZ and NM. We treated ourselves w/ a hold up for 2 nites at Faywood Hot Springs in the desert of NM. Can you spell...Jump to full entry
Oct 14, 2013 - It was a "gale"-la event
October 14, 2013 Zion National Park, UT When we left Haines, AK on the Alaska Marine Hiway Ferry, the night was crystal clear with mucho constellations showing and the northern lights on the horizon. We finally were settled down after our turn at loading the rig into the bowels of the ferry. We were the first pick of the litter out of the many cars, U-hauls and various rigs waiting to load. Imagine our surprise when the attendent asked us to parallel park our trailer and truck in between another motor home and a car. I muffled something...Jump to full entry
Oct 6, 2013 - Who's feeding Skeeter?
Oct. 6th, 2013 Haines, AK When I sent the last entry w/ the pictures of the lynx, I really did have a couple of paragraphs typed up. Then I went to mess around with the map-manager, and lost the entry. It actually seemed OK to send the message, "We're Closed" with no verbage. A subtle statement, for sure. However, I must give credit for the lynx pix to one of our co-hearts who had recently hiked a trail we were on during our last days at Denali. I wish we had taken those snaps, but no. I had discussed the fact that I never addressed the...Jump to full entry
Sep 30, 2013 - America's Largest Nat'l Park
Monday, Sept. 30, 2013 It's hard to get a photo of the largest National Park and Preserve in the USA, Wrangell-St. Elias. By itself, this park is over twice the size of Denali at 13.2 million acres. But let's not stop there. Canada boarders our park with Kluane National Park in the Yukon territories and that brings us to 24 million acres of protected areas of immense glaciers, 10 million acres of wilderness, 9 of the 16 highest peaks in North America, braided rivers and active volcanoes. Just imagine how bright the stars are in the night...Jump to full entry
Sep 27, 2013 - The Bucket List
Sept. 27, 2013 Friday afternoon. We're done with with our season of work at Denali National Park, the trailer is ready to roll and tomorrow morning we'll see Mt. McKinley in our rear-view mirrow. The closings progressed from the western end of the park to the eastern end. Jeffrey locked up the Wonder Lake Ranger Station on Sept. 18 as hundreds of Sandhill Cranes circled above. They too are heading south for the winter. Just to add a bit of suspense to the 85 miles return, it snowed the night before Jeffrey departed! Nor snow, nor rain, nor...Jump to full entry
Sep 21, 2013 - It got cold!
The fall in Denali NP was a treat of colorful slopes and tundra full of reds, oranges, burgandies and lime greens. Jeffrey and I captured time for a lovely hike around Cathedral Mtn. This area butts up to a wildlife closure wh/ for yrs. has protected wolf and bear denning areas. (thus the sign). There must be bear around b/c a new sign was installed this summer. The bears had rubbed and chewed the former sign into pieces! On Sept. 12, 2013, I departed from Denali NP for Kelli Dowd and Ryan Kimbrell's wedding in KC, MO. I was in ONLY a...Jump to full entry
Sep 13, 2013 - Fairbanks to Tok
Date: September 13, 2013 Tonight's Location: Tok, AK Mileage: End - 23136 Start - 22925 Total Miles for the day: 213 Weather: mostly sunny Temperature: start 41º High 51º Wildlife count: Pine Squirrel, Arctic Ground Squirrel Year List: 270 Birds: Black-billed Magpie, Canada Geese, Sandhill Cranes, American Robins, Black-eyed Junco, Gray Jay We were in no hurry to leave this morning, as we were only going to Tok, so it was a relaxing morning, even if we HAD been awake a few times during the night to check for the Aurora Borealis. Most of...Jump to full entry
Trip Journal
Sep 11, 2013 - Alaska at last
Well after 6 days on the road, 4000 odd Kim's and almost as much in gas here we are in Alaska. Crossed the border. Boy are these yanks wankers. So much rigmarole. They took our newly purchased bag of tomatoes. We needed them for dinner. The border is out in the middle of nowhere. Don't they know how hard it is to find a store that sells tomatoes. I guess they have a job to do and they do it well. I wouldn't like to be stationed there. Absolutely nothing there. Had a slow leak in a tyre. Mike took it off in a place called Tok and had it...Jump to full entry
Trip Journal
Sep 9, 2013 - Turning Tundra
Monday, Sept. 9, 2013 It doesn't matter if you have a point and shoot camera or an expensive SLR with a 300 zoom...pictures just can't capture the explosion of color that is occuring every day now at Denali National Park. It's fall, and the tundra is a quilt of orange, reds, purples, lemons and yellows. It's happening, and it will happen fast! The cousins from Fla. came for a visit to DNP. Byron and Tina Traynor managed to capture their kids and son-in-law for an AK trip and cruise. We connected for a wonderful meal overlooking the park...Jump to full entry
Aug 29, 2013 - 66* 33' north
Aug. 24-27, 2013 The Arctic Circle is an imaginary line encircling the earth at latitude 66*33' North, where the sun does not set on summer solstice nor rise on winter solstice. We went there...and beyond. After a night in Fairbanks watching the northern lights, we headed to Wiseman, AK, population 12, or so. It's a living gold mining history town w/ 3 B&B's. Our hosts have worked hard to rehab old mining cabins, and a fine job they've done. Just like Fannie Quigley in Kantishna, our host has a permafrost storage area under the floor,...Jump to full entry
Aug 28, 2013 - Reconnecting in Tok
Wed Aug 28 As we packed up and hooked up in a light rain, the realization was starting to set in that our time left in Alaska is growing very short. We left Wrangell-St. Elias behind for now and drove 2 hours north to Tok, arriving at the Sourdough Campground in the mid-afternoon. They have a car/RV wash and though I wasn't really inspired to do it, I figured that we had better avail ourselves of the opportunity and wash the trailer before moving onto our site. It surely needed it! After setting up we drove to Dave and Sue's house. We had...Jump to full entry
Trip Journal


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Discussions with Lexmark's top executives yield a common thread: software and services will preserve the Lexmark channel for the long haul.
Lexmark CEO: We Are Looking To Build A Software ChannelLexmark's acquisitions of Perceptive Software and Pallas Athena will grow its influence among software-focused VARs, according to Paul Rooke, Lexmark CEO.
Winner: Xerox
ARC 2011: Multifunction PrintersXerox won a tight race to gain the crown in the brand new Multifunction Printer category of the Annual Report Card 2011.
Winner: Xerox
ARC 2011: Workgroup Color PrintersRated superior to HP in nearly every category, Xerox beat its toughest rival in the Workgroup Color Printer category of this year's ARC.
HP Strategy Chief Robison Set To Retire At Month's EndShane Robison, an 11-year HP veteran and the company's chief technology and strategy officer, is leaving the company at end of the month.
HP Exchanges 'Elite' For 'Specialist,' Adds Print Partner DesignationHP is making a series of changes to its PartnerONE program and adding a new partner designation as the Nov. 1 beginning of its fiscal 2012 year looms.
Review: To The Cloud And iPhone With The HP OfficeJet Pro 8600 PlusHP's OfficeJet Pro 8600 Plus is a home run, with stellar new features and real value for small businesses and work groups.
Review: Samsung Shows the Promise of Mobile Device PrintingSamsung's SCX-4729FW provides a glimpse at the convenience of printing from mobile devices, in an MFP that offers stellar printing, copying and scanning - all on a network via WiFi.
CRN Podcast: HP's Bradley Makes Bid To Spin Off PC BusinessTodd Bradley is making a public please for HP to spin off its Personal Systems Group as a stand-alone public company. CRN editors discuss how this could affect what happens to HP's PC business.
The Rise And Fall Of The HP TouchPad TabletCRN offers a chronology of the HP TouchPad, from its rise as a much-hyped potential iPad competitor to its untimely demise just over six months later.
HP Scuttles TouchPad, Reveals PSG Spin-Off Plan In Wild Q3 EarningsAs earnings calls go in the IT industry, you'd be hard pressed to find one more chock full of major near- and long-term strategic moves than HP's Q3 report.
Five Key Questions For HP As Q3 Earnings LoomHP CEO Leo Apotheker warned in May that HP's current quarter could be a tough one. Can HP revitalize its consumer PC business and get its services strategy on track?
Samsung Seeking New VP For Enterprise Business DivisionSamsung shows no signs of wavering in its channel commitment even with the departure of a top vice president of sales and marketing.
HP Taps New Leader For SMB Advisory CouncilHP SMB channel executive Meaghan Kelly is passing the SMB Council torch to Billy Nerenberg, an ex-Intel and Microsoft channel executive who joined the company in March.
Report: Private Equity Firms Call For HP BreakupThe pressure on HP to break itself up could rise if its WebOS platform launch doesn't do as well as HP expects it to.
OKI Portal Helps Create Recurring Printer RevenueOther Brands Welcome: Free print management service from OKI Data is 'printer agnostic.'
10 Scintillating Scenes From HP Discover 2011CRN roamed the show floor at HP's Discover 2011 and offers glimpses of lounge-lit expo booths, opulent ice sculptures, omnipresent cloud marketing, and a new data center in a box.
Ricoh Targets Channel With Tablet, Digital Workflow ServicesBest known for its printers, Ricoh is now getting into the tablet PC market with a device and back-end services designed to help organizations move from paper to digital workflow.
Packers And Technology: 15 Scenes From Camera Corner's Channel EventCamera Corner/Connecting Point's Technology Expo 2011, held earlier this week in Green Bay, Wis., brought together dozens of IT vendors and technology buyers from the upper Midwest. What they all shared was love for the Packers.
HP Beefs Up Managed Print Portfolio With Printelligent BuyHP added to its managed print services arsenal by acquiring Printelligent, an early mover in the space that has been selling MPS solutions since 1993.


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- 10-09-2011, 08:38 PM Thread Author #1
Moving from webOS?
Who else is moving from original Pre to iPhone now that Sprint has? Glad I have had an iPad to somewhat "bridge" the culture shock.
What will you miss most, what won't you miss?
I'm looking forward to a camera that won't lock for minutes on end, better battery life, better integration w/my media and ability to buy an app once and use on multiple devices. Oh and apps, lots o' apps.
I will miss cards, gestures, home brew, and the Touchstone (I have 5 of them), which makes charging ever so easy. Think I'll miss physical keyboard also.
This is a big switch after being long-time Palm guy. I've gone from a Visor to a Treo 600 then 650, then 700P, 800w and finally a Palm Pre. That's nearly a decade of devices from same manufacturer.
- 10-09-2011, 08:43 PM #2iMore Intermediate
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It would be so cool if iOS had the cards multitasking like webOS.
- 10-09-2011, 08:57 PM #3iMore Pro
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I used to have the original Pre, then went to the Evo 4G, just ordered the 4S.
The most important warning I can give you is to be careful with the virtual keyboard, it takes some getting used to. It's quite different from using one occasionally and having to use it full time.
For the first few days with my Evo, I kept trying to swipe stuff of the screen! LOL
Mistress of Mischief
- 10-09-2011, 08:58 PM #4iPhone Intermediate
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Believe me the only thing you will miss is the gesture area nothing else multitasking not so much since the iOS 5 is pretty good at it
- 10-09-2011, 08:58 PM #5iPhone Nanite
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I'm in the same boat, I've used Palm devices for over a decade too. I'll definitely miss the touchstones the most, but I'm also afraid of how much I might miss the keyboard. I've had an iPad for about a year so I'm already used to iOS. Palm had a lot of potential with WebOS, but blew it by not having decent hardware and never integrating any sort of media management.
What rocks about Apple products is simplicity, quality, and availabilty of everything for them from apps to accessories!
- 10-09-2011, 09:03 PM #6iPhone Intermediate
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Webos was actually pretty good but palm just couldn't compete mshbd with an evo like device with webos it would have been a different story. I too kept trying to swipe things off the screen with my evo after the switch from the Palm pre
Touchstones, Gestures, and not having to close out of my multitasking twice! (cards pretty much).
I loved my touchstone, though i don't find it that inconvenient to have to plug my phone in.
I will take gestures over a physical button any day.
Cards is the best multitasking period.
- 10-09-2011, 09:22 PM #8iPhone Nanite
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I'll definitely miss gestures and cards. Cards is the best way to multitask. Gestures was pretty convenient to go back a page and switch between apps. I had a pre- since launch but about 6 months ago bought a Pre2 and converted it to sprint. Time to take the leap to iOS thought. I'm going to miss the pre2
- 10-09-2011, 09:23 PM #9iPhone Nanite
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Cards and WebOS notifications will be the most missed features for me -- the latter especially with the delete from notifications patch. The new iOS notifications just don't seem as elegant.
Looking forward to apps, battery life, slightly larger screen, and this whole Siri thing.
Not looking forward to mistaking my phone for everyone else's . . .
- 10-09-2011, 09:58 PM Thread Author #11
...I'm also looking forward to iOS 5 notifications being less obtrusive than current...more like webOS.
Is jailbreaking, and what comes with it, as robust as the homebrew community is?
- 10-09-2011, 10:13 PM #13iPhone Newbie
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webOS convert here! Very first iPhone as well. Def going to miss the multi-tasking.
- 10-09-2011, 11:12 PM #14iPhone Beginner
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All I will miss is the card multitasking interface, gesture area, and touchstone, although with a dock it's not really a huge deal. I just really like the gesture area. Swiping made things so fluid. I'm rocking a Pre 2 at the moment and cannot wait for the 4S. WebOS had/has tons of potential, but with the way it's been run I just don't know if it can or will be saved.
- 10-10-2011, 02:23 AM #16iMore Intermediate
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Palm Pre 2 would have had alot more potential if HP wasn't fumbling webOS.
- 10-10-2011, 06:34 AM #18iMore Newbie
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I'm making the switch to iPhone after several years with Palm/HP (Treo 650>Treo 700w>Pre). I was eagerly awaiting the Pre3 and would have bought it without hesitation. Like others here, I have been really happy with gestures and cards. The touchstone is very convenient. But it is the power of webOS and the amazingly talented homebrew community (webOS Internals especially) that made me a dedicated Pre user until now.
I've never had an iPhone, but I'm really looking forward to it. I'm expecting a learning curve, and I'm sure that I will be attempting to "swipe" for several days. But I believe the specs of the iPhone 4s and the many, many apps that webOS users have been forced to do without will be more than adequate compensation for the loss of the webOS qualities that I value most.
At least, I hope so.
- 10-10-2011, 07:58 AM #19iMore Guru
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I left Sprint in Feb and ditched my Pre then for the iPhone. What I miss is the cards thing, the keyboard and the Touchstone. That's really mostly it.
- 10-10-2011, 08:29 AM #20iMore Newbie
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- 10-10-2011, 08:54 AM #21iPhone Newbie
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- 10-10-2011, 09:11 AM #22iMore Intermediate
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Just an FYI, there is an iPhone case which provides inductive charging. It's just not built in.
In any case, it's an option...
- 10-10-2011, 09:14 AM #23iPhone Intermediate
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To the op, i'll miss everything you will except for the keyboard. Im so done with keyboards. But in ios, i all ways turn off autocorrect cause its pretty crappy.
Last edited by Patricksmangann; 10-10-2011 at 01:41 PM.
- 10-15-2011, 09:46 PM Thread Author #25
Ok, one thing I'm missing that I didn't anticipate...webOS's ability to pull in contact photos from Facebook and LinkedIn via Synergy. Anyone know if there's an app for that?


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- IndonesiaAgricultureFunding via Tanaoba Lais Manekat Foundation (TLM)
Tloimhetfen...IndonesiaAgricultureFunding via Tanaoba Lais Manekat Foundation (TLM)
Sejati GroupIndonesiaAgricultureFunding via Tanaoba Lais Manekat Foundation (TLM)
Berawan Salak Permai Group
Update on Berawan Salak Permai GroupTo improve the quality of livestock, The Berawan Salak Permai Group continues to seek loans. Ni Kadek will use this loan to buy super quality piglets for fattening. Selling prices for super quality pork remain high, and it is easier to sell. The pigs will be maintained for 6 months. She hopes the pigs' growth will be healthy and that the ideal weight will be achieved. Ni Kadek is planning to save all of the profit, and it will be used for working capital.
Previous Loan DetailsNi Kadek works raising pigs. Her husband helps her by providing traditional pig feed, such as banana leaf, every day from his garden. Ni Kadek is a member of the Berawan Salak Permai loan group, which is requesting a new loan of 15,000,000 IDR. Each member will receive 1,500,000 IDR. Ni Kade... More from Berawan Salak Permai Group's previous loan »
Additional Information
More information about this loan
This loan is part of MUK's effort to reach small business owners in rural areas of Bali in Indonesia. Borrowers often lack collateral to be eligible for working capital loans and are located in areas where access to microfinance is limited. MUK organizes borrowers into groups that cross guarantee one another, allowing them to qualify for a loan. By funding this loan you are providing underserved borrowers with crucial capital to sustain their existing businesses.
About Koperasi Mitra Usaha Kecil (MUK)This loan is serviced by Koperasi Mitra Usaha Kecil (MUK), a microfinance cooperative headquartered in West Bali, Indonesia. MUK's mission is to provide chronically poor people in Bali with opportunities to improve their lives, while raising social awareness of economic and environmental issues.
Most MUK clients live in rural settings on less than $1.25 per day. MUK's financial products are targeted to clients' productive activities including small businesses, farming, and livestock rearing. MUK supports clients with training in household budgeting, livestock rearing, and small business management.
MUK provides services to clients of all races and religions. For more information about MUK, please visit its partner page. Also, consider joining MUK's Kiva lending team, Friends of Mitra Usaha Kecil.
Concurrent and Successive Loans
Our Field Partners often work with borrowers over a series of loans as the borrowers build credit, take out bigger loans, and expand their businesses. In order to make it easier for our Field Partners to post loans for borrowers who have been listed on Kiva before, we allow them to post successive and concurrent loans for their Kiva borrowers. This means that our Field Partners are able to post a borrower's second, third, etc., loan on Kiva without having to re-enter all of the borrower's information.
This borrower has been listed on Kiva before, so you'll see an updated loan description, as well as excerpts of the original descriptions from earlier loans. Most borrowers take out loans consecutively, meaning that they receive a second loan after having repaid the first. However, sometimes our Field Partners give out concurrent loans, allowing borrowers to take out one primary loan and a secondary "add-on" loan along with it. These "add-on" loans are typically smaller than the borrower's primary loan and serve a different purpose. Because Field Partners can now post loans as successive and concurrent loans, you will be able to track borrower progress over time and see the various ways a borrower is working with our Field Partners through funds from Kiva's lenders.
This is a Group Loan
In a group loan, each member of the group receives an individual loan but is part of a larger group of individuals. The group is there to provide support to the members and to provide a system of peer pressure, but groups may or may not be formally bound by a group guarantee. In cases where there is a group guarantee, members of the group are responsible for paying back the loans of their fellow group members in the case of delinquency or default.
Kiva's Field Partners typically feature one borrower from a group. The loan description, sector, and other attributes for a group loan profile are determined by the featured borrower's loan. The other members of the group are not required to use their loans for the same purpose.
About Indonesia
68View loans »
Success!! The loan was 100% repaid
- Repayment Term
- 8 months (Additional Information)
- Repayment Schedule
- At end of term
- Pre-Disbursed:
- Sep 16, 2013
- Listed
- Sep 23, 2013
- Currency Exchange Loss:
- Possible
- Ended:
- Apr 16, 2014


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Recent carpentry jobs in Swalwell
Recent carpentry jobs in Swalwell
Added 2 months ago
Flat Pack Furniture AssemblyAdded 2 months ago
To change 5 kitchen door fronts, (4 X 500mm and 1 X 300mm) 1 set of drawer fronts, build 2 wall units from flat pack and fix on wall. Materials supplied. Hoping to have done within next 7 days.
Added 7 months ago
Wooden Fascia Installation, Wooden Soffit Repair And CladdingAdded 7 months ago
To supply and fit hygienic wall cladding for a small Commercial kitchen
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Shed Construction And Playhouse BuildingAdded 1 year ago
A quote required for building a 4 x 3 garden shed. Materials/fixings/instructions all supplied. Should be a relatively quick job for a couple of people
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Wooden Door Repair And InstallationAdded 1 year ago
Replace/install 1 x panel door Additional information: Got a repacement of kitchen pannel door due to a crack on previous one,looking for a joiner to fit it up before Christmas. I will supply the do...
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Wooden Door Repair And InstallationAdded 2 years ago
Replace/install 2 x plain flat doors Additional information: Both doors require planing/cutting to size I will supply the doors I will supply the fittings Property style: Modern
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Wooden Door And Sill Installation, Repair And Draft ProofingAdded 5 years ago
Need upvc outer door (possibly also wooden internal door) taking off to allow sofa to be delivered
Added 5 years ago
Wooden Door Repair And InstallationAdded 5 years ago
change bedroom door to open opposite way.
Added 5 years ago
Timber And Wooden Decking Construction, Installation, Renovation And TreatmentAdded 5 years ago
I require decking to come from my conservatory with spindles and staircase down to my garden. It is not a very latrge area just enough for a table and chairs
Added 6 years ago
Repairing And Laying Laminate FlooringAdded 6 years ago
2 rooms, we have bought the laminate, 30 square meters. Current condition of floor is varnished floor boards
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Home » Cognac
Articles Tagged: Cognac
D'usse Cognac VSOP Review
D'usse Cognac VSOP is the lastest offering from Bacardi's Chateau de Cognac, the Cognac house that produces Baron Otard. This is not your ordinary bottle of Cognac. It's producers have gone for a completely different look on the bottle. It's a bit gothic, a bit midieval with a double cross on a squat bottle with a glass topper. It looks pretty bad-ass for a Cognac. I guess that this is your granddad's Cognac. Oh, and … Read more
Camus Cognac Cider
Warm up this Holiday Season with a cider specifically for grown-ups to enjoy.
Farm to bottle with Grey Goose
I was recently immersed in the story and process of creating Grey Goose Vodka. I am sure you are thinking at home, "creating vodka is simple, why tell us about it?" Admittedly, that was kind of my initial reaction. What are they going to show me but a huge industrial distillery and some slick marketing.
Celebrate National Rum Day with this classically twisted cocktail!… Read more
Champagne Cocktail
Tomorrow is Bastille Day! In honor of French Independence Day, this week's drink is the Champagne Cocktail. The Champagne Cocktail combines two of France's best contributions to the world of booze – Champagne and Cognac! While the recipe says that the Cognac is optional, it really isn't. The drink is much better with Cognac, but seriously, what isn't? So, raise a toast to the French – Viva La France!… Read more
Bonjour, Bonheur
A tribute to National Cognac Day!
This recipe was created by Head Bartender Joshua Pearson, at Sepia in Chicago, for the Manhattan Cocktail Classic live cocktail competition host Beverage Alcohol Resource (BAR) and The Cognac Trade Board (BNIC).… Read more
Celebrate National Cognac Day
It might be hard to believe today, but cognac was as popular through the end of the 19th century as vodka is today! In fact, cognac was the original "must have" spirit and it was hard for cognac producers to meet demand.
DeKuyper Distillery Talks To DOTW
This week we sat down with Mark DeKuyper, an 11th generation distiller in the DeKuyper Distillery.
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Punch offers free pizza for gym-goers
We've seen the statistic that the average fair-goer consumes 2,000-3,000 calories during his or her visit. Eek!
In honor of the Minnesota State Fair's Thursday debut, Punch pizza would like to encourage its fans to get in an extra workout or two. Today through Wednesday, they're offering a two-for-one pizza deal to anyone who brings in the following coupon with a gym, fitness club, or yoga studio membership card.
For a post-workout pit stop, we like Punch's Calhoun Village location as it's proximate to lakes Calhoun, Isles, and the Midtown Greenway, with great trails for walking/running/bicycling/blading, etc.
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