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- NicaraguaAgricultureFunding via PAC
Carlos AlbertoNicaraguaFoodFunding via León 2000 IMF
FranciscoNicaraguaClothingFunding via Pana Pana
Miguel De Los Santos
Update on Miguel De Los SantosMiguel continues with his plans to improve his life. He lives together with his wife who supports him in covering their household expenses. Together they have figured out how to improve their income, cultivate their land and sell their fruit. Miguel will use this new loan from Afodenic to maintain his pineapple crop because, as a result of the rain, they are suffering from floods and pests. He will buy the supplies he needs, such as urea, so that he produces better quality pineapples and is able to sell them for a good price. Miguel trusts in Afodenic and is grateful for their help. He hopes to be able to grow in his work in the future.
don Miguel quien confia mucho en Afodenic y agradece espera poder crecer en un futuro con sus cultivos.
Previous Loan DetailsSeñor Miguel is a small farmer. He lives with his wife and children in the Ticuantepe area. His plans for the future are to be able to improve his living conditions. Don Miguel has been growing pineapples for several years. The biggest challenge he faces is not having enough capital to invest... More from Miguel De Los Santos's previous loan »
Additional Information
About AFODENICThis loan is administered by AFODENIC, La Asociación para el Fomento al Desarrollo Nicaragua, a Kiva Field Partner based in Managua, Nicaragua. Founded in 1999, AFODENIC was created to promote the socio-economic and cultural development of sectors that are excluded from commercial banking. Integrating economic and human resources, AFODENIC offers affordable and adaptable financial services aimed at strengthening the family unit of their clients, who include students, producers, and micro- and small entrepreneurs from rural and urban areas. AFODENIC is a socially responsible institution engaged in society and making a positive impact on its professional partners and communities.
Supporting a borrower through AFODENIC contributes to the pursuit of innovation in mitigating poverty in Nicaragua. Visit AFODENIC's partner page for more information.
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.
About Nicaragua
32View loans »
- Repayment Term
- 14 months (Additional Information)
- Repayment Schedule
- At end of term
- Pre-Disbursed:
- May 30, 2012
- Listed
- Jun 8, 2012
- Currency Exchange Loss:
- Possible
- Expired:
- Jul 8, 2012

subset: commoncrawl


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Robyn Griggs Lawrence helped introduce mainstream America to sustainable lifestyles and healthy homes with Natural Home magazine and introduced readers to the Japanese art of finding beauty in imperfection with her books The Wabi-Sabi House and Simply Imperfect: Revisiting the Wabi-Sabi House. Now she's educating people about how to safely prepare and imbibe organic, sustainably grown cannabis for health and wellbeing through The Cannabis Kitchen Cookbook, a collection of advice and recipes from America's top cannabis chefs that will be released by Skyhorse Publishing in September 2015.
As Natural Home editor-in-chief from 1999 until 2010, Lawrence traveled the country meeting people who were passionate about building and living sustainably. Lawrence also has been an editor with Organic Spa, Mountain Living and The Herb Companion magazines and has run successful blogs on Huffington Post, Care2.com and Motherearthnews.com.
A board member for The Center for Maximum Potential Building Systems in Austin, Texas, and an advisory board member for the Healthy House Institute, Lawrence has been featured in The New York Times, Time magazine, USA Today, on CNN and in top-tier newspapers, magazines and TV programs worldwide.
Lawrence, a certified yoga instructor, also co-authored 7 Steps to a Safe, Nurturing Nursery, an e-book, with Dr. Frank Lipman, M.D.


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Which do like better, graphic novels or trades of collected issues? Or does it make a difference?
I think Brian K. Vaughn is the best example of someone who has really mastered the single issue. I enjoy Brian Michael Bendis comics in trade, though. I love both authors, but they have different styles.
World's First Bitcoin ATM Set to Go Live Tuesday | Wired Enterprise | Wi...
Three high school buddies from a tiny Canadian town say that they will flip the switch on the world's first bitcoin ATM next week. It will o
filipkaaa: lol
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Who is the greatest guitarist of all time? What does that title even mean? Is it the person who can play the sickest solo, the fastest runs,
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So what is archaeology, why is it important to us today, and what can we learn from it? A good definition of archaeology is that it is the s
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love-of-rock: love-of-rock one of the best...
love-of-rock: " love-of-rock one of the best guitarist that ever lived…his life ended way to soon " Love it. Definitely a legend who was too
6 Tips For Becoming A Killer Lead Guitarist
If you'd like to learn how to play lead guitar then you probably already know that it's a mixture of theory, technique, and natural talent.
The Price - One Shot — 215 INK SHOP
When young, attractive, Erin Wheeler finds herself lost at a seedy roadside diner on the way to meet her business partner and an important n
New Poster for The Price!! | Glenn Arseneau
Man, can Allen Byrns create some atmosphere or what? My partner and co-creator on this project absolutely slays it with this promo poster an
Scripts | Glenn Arseneau
On this page, I thought up put up a few of my script samples. The first thing you're likely to notice is the complete and utter lack consist
Catch me this Sunday at the DCAF!! | Glenn Arseneau
The first-ever Dartmouth Comic Arts Festival will be held on Sunday, August 19th from 11am to 5pm at Alderney Landing on the lovely Dartmout
How to Speak Like a Maritimer | VICE
People speak so weirdly in Canada's Maritime Provinces that you practically need a translator for the toothless fisherman-ese.
Click me!: How to make an object move and play a sound when you click on...
I've been playing a lot of Portal 2 lately, and one of my favorite elements from the Portal series is the lovely Weighted Companion Cube. To
BULLETPROOF ANGEL -- IndieGoGo
Help bring the next great action hero to life!
Price One Shot at TFAW.com
When Erin Wheeler finds herself lost at a seedy roadside diner on the way to meet her business partner, her troubles are only beginning. Loo
Fanboy Buzz - Comic Book Podcast
Comic Book Reviews - The Price Review. Reviewer: Brad Huffman-Parent. Rating: 3.5/5 Publisher Name: 215ink Publisher Website: http://215ink.
The Price One Shot
When young, attractive, Erin Wheeler finds herself lost at a seedy roadside diner en route to a meeting with her business partner and an imp
Gangrene -- IndieGoGo
Help give this undead hero a fighting chance at life.
Summer of Indie – Comic Review: The Price
The Price from 215ink is a one shot horror comic set on a lonely road on one of those American highways that just seem so perfect for super
215 Ink: The Price Review
From Glenn Arseneau, writer of Bulletproof Angel and Greyman, comes The Price, a crime drama/cerebral mystery one-shot from indie giant 215


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Modern Family – Just the Jokes – Flip Flop
Here is the just the jokes recap video from Modern Family Season 4 Episode 20: "Flip Flop" on ABC. Guest starring Benjamin Bratt.
Modern Family: Just the Jokes 4/10 – Modern Family
Gloria Welcomes Javier's Fiancee. – Modern Family
Javier (Benjamin Bratt) proposes to his new girlfriend (guest star Paget Brewster), but it's up to Gloria to convince her to say yes in the episode, "Flip Flop."
The Latest on Modern Family
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Nine years after "Yellow" introduced director Chris Chan Lee as a significant Korean-American voice in independent filmmaking, the helmer returns with sophomore outing "Undoing," a hit-and-miss Los Angeles-based noir in which characters with half-drawn pasts risk everything for a not terribly large sum of money.
Nine years after "Yellow" introduced director Chris Chan Lee as a significant Korean-American voice in independent filmmaking, the helmer returns with sophomore outing "Undoing," a hit-and-miss Los Angeles-based noir in which characters with half-drawn pasts risk everything for a not terribly large sum of money. Uneven crime component is a decoy for what's really going on as a loner, disconnected both from his Asian heritage and his American upbringing, struggles to reconcile where he belongs. Stylish low-budget treatment should fare well with fests, but elliptical storytelling and action deficit could be pic's undoing with auds.Lee penned the screenplay after returning from a one-year stint directing television in Singapore, and pic mirrors that homecoming, opening with lead character Sam Kim's (Sung Kang) return from Asia, where he fled for a year after witnessing the brutal Koreatown killing of his best friend, petty drug dealer Joon (Leonardo Nam). Sam returns determined to bury Joon, avenge his murder and ride off into the sunset with beautiful ex-girlfriend Vera (Kelly Hu). If "True Romance" was the gonzo extreme of the genre, "Undoing" is more of a mood piece, although there are touches — such as the Asian hit man who channels Christopher Walken — that suggest Lee may have had that more bullet-riddled Tarantino script in mind. Sam spends most of the pic drowning in the guilt associated with his friend's death, preoccupied with the idea of "repaying" those he let down — Joon's parents, the girlfriend he abandoned — in cash. Inexperienced when it comes to hustling dirty cops and drug dealers, Sam would be dead meat if it weren't for Don Osa (Tom Bower), the grizzled old gangster who's got his back. Don, like all the pic's other characters, arrives with an aura of cool but no backstory, an approach that lends "Undoing" an unintentional "Memento"-like quality as auds scramble to understand how each abruptly introduced new character poses a fresh obstacle to his plan. Even if Sam's scam does succeed, he only stands to earn $25,000 for his troubles. Perhaps Sam also shares Lee's gift for making the most of limited means (pic was shot on HD, intermixed with other formats). From the night-lit asphalt drag of a Koreatown joyride to the hazy windshield glare of Los Feliz by day, Lee evokes the character of his varied Los Angeles environments, even if the human element feels as if it's been done — and undone — before.
A Space Between production. Produced by Karin Chien, Sung Kang, George Huey, Eric Yu-jin Kim. Executive producers, Phil Lam, Billfield Cheng, Geoffrey Tse Wei Chen. Co-producer, Chris Stinson. Directed, written by Chris Chan Lee.
Camera (color, HD/miniDV/Super8), John DeFazio; editors, Greg Louie, Howard Leder; music, Ceiri Torjussen; music supervisor, Justin Li; production designer, Lissette Schettini; costume designer, Barbara Anderson; sound designer, David F. Van Slyke; associate producers, Cynthia Hong, Arthur Chin; casting director, Susan Shopmaker. Reviewed at Los Angeles Film Festival, June 27, 2006. Running time: 85 MIN.
Samuel Kim - Sung Kang Vera - Kelly Hu Don Osa - Tom Bower Leon - Russell Wong
With: Jose Zuniga, Leonardo Nam, Mary Mara, Julia Ling, Bobby Lee, Kenneth Choi.


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text: Photo Gallery Pictures: Mock Mars Mission "Returns" to Earth After 520 days of isolation, the crew of the Mars500 mission has "returned" to Earth. See what the six men got up to during the trip. PUBLISHED Sat Nov 05 02:05:00 EDT 2011 0 1 / 11 Mars Mission Returns After nearly a year and a half, the crew of a European mission to "Mars"—including these two, pictured testing Russian space suits last summer—returned home this morning, stepping out of their capsule to much fanfare in Moscow.In reality, the six men never left Earth. They've spent the last 520 days in a mock spaceship in the Russian capital as part of an experiment to study the psychological effects of deep-space voyages.The Mars500 crew members were physically cut off from the rest of the world and faced with a simulated 20-minute communications delay, to mimic the expected conditions of a real human trip to Mars.(Related: "Why Did 400 People Volunteer for a One-Way Trip to Mars?")The "astronauts" had plenty to do during their voyage: In addition to reading and playing video games, the crew had to conduct experiments on their minds and bodies, repair equipment, and even respond to simulated emergencies-including performing CPR on a mannequin.Halfway through the mission, the crew touched down on "Mars" and tromped around in a sand-filled room, collecting samples and deploying sensors.—Rachel Kaufman Photograph courtesy Oleg Voloshin, IBMP "Mars" Module The module that contained the Mars500 mock spaceship and simulated Martian landing site, seen above from the outside, was set up at the Russian Institute for Biomedical Problems (IMBP) in Moscow.IMBP and the European Space Agency partnered on the Mars500 project, which aimed to simulate a real mission to Mars as closely as possible. One possible difference: The Mars500 ship was spacious, with a private room for each astronaut and a sit-down kitchen.Still, the 520-day isolation experiment is the longest simulated space mission so far. NASA's longest, for example, lasted about a hundred days. IMBP and ESA "kind of jumped in and did the 500-day study," said Joe Kosmo, a senior project engineer who's worked on NASA's Desert RATS project. The U.S. program tests equipment-but not human psychology-during simulated space missions in Arizona.Kosmo argues that, before testing human resilience on isolated missions, space programs should first test and perfect the technology that will get astronauts into deep space. Photograph courtesy Stephane Corvaja, ESA Right at Home? The all-male Mars500 crew included three Russians, an Italian-Colombian, a Chinese, and a French citizen—Romain Charles, pictured in the module's kitchen.Charles, an engineer and quality specialist for the French company Sotira, was the second crew member to exit the ship upon the conclusion of the mock Mars mission."We hope that we can help in designing the future missions to Mars," Charles told the officials and reporters gathered to greet the exiting crew, according to the Associated Press. (Related: "Astronauts Could Ride Asteroids to Mars, Study Says.") Photograph courtesy IBMP Lab Rats The Mars500 mission was packed with experiments for the crew, with researchers curious about what was happening to the men's saliva, digestive systems, and muscles, among other things.Crew member Diego Urbina tweeted regularly—with a delay, to simulate relaying messages from a traveling ship to a command center on Earth—about drawing blood, running on treadmills, and sleeping while hooked up to various devices. (Related: "Human Guinea Pig to Blast Off With Space Shuttle.")Although they weren't actually in a microgravity environment, the Mars500 crew also performed the types of strength and aerobics training that might help prevent atrophy in space. Photograph courtesy IBMP Say "Ahh" The Mars500 crew members took part in a Chinese-designed experiment to test the effects of a closed environment on the body, as measured by traditional Chinese medical techniques.Above, one man uses a device for photographing crew members' faces and tongues, so that researchers will be able to analyze characteristics such as the color and quality of his natural "tongue fur," or coating.(Related: "'Electronic Tongue' Mimics Human Taste Organ.") Photograph courtesy IBMP Space Crops Romain Charles stands near edible plants growing inside the Mars500 module.Current research suggests that a journey to Mars would require more than canned and freeze-dried food. For one thing, most food taken to the International Space Station either spoils or loses its taste after a year.With a round-trip Mars mission taking nearly a year and a half, a new option—such as growing fresh food during the trip—is necessary. (Related: "Space Beer Ready for Taste Testing.")In addition to using a small greenhouse, the Mars500 crew tested a "salad machine" (not pictured) that simulated the effects of zero gravity on plants by slowly spinning them as they grew. Photograph courtesy IBMP Night Cap Even the boss had to be a lab rat: Alexey Sitev, commander of the Mars500 mission, is seen sleeping with an electrode wired to his head.Researchers worry that human circadian rhythms—deprived of natural cycles of darkness and light—would be disrupted, leading to stress and psychological dysfunction. The Mars500 crew therefore had to "collect" data even while asleep.(Related: "Is Your Brain Sleeping While You're Awake?") Photograph courtesy IBMP Paper Decorations Crew member Alexandr Smoleevskiy celebrates New Year 2011 with a paper Christmas tree and a picture of a fireplace.With few other ways to be festive, the Mars500 crew made elaborate paper decorations for nearly every holiday—including Halloween, Christmas, birthdays, and Chinese New Year.(Related: "Scots Mark New Year With Fiery Ancient Rites.") Photograph courtesy IBMP Docking Procedures During the mission's Martian landing, three crew members entered a separate capsule meant to represent a lander, then simulated travel to the surface of the red planet.Crew members Diego Urbina and Alexandr Smoleevskiy donned space suits and explored a sandy room designed to look like Mars. The men planted flags and studied and retrieved mock Mars rocks before returning to the lander and rejoining the main ship.Above, a laptop screen shows the simulated docking of the Mars500 lander with the mother ship. (Related: "Robot Arm to Grab Robotic Ship-A Space Station First.") Photograph courtesy IBMP Red Planet Rover A Mars rover, driven by remote control, explores the sandy surface of the Mars500 "landing site."The room was designed to resemble Gusev Crater, the real-life landing site of NASA's Mars rover Spirit. When the crew explored the room, they wore space suits that are about two-thirds lighter than real suits, to preserve the illusion of a weaker gravitational pull on the red planet.(Related: "Astronauts' Fingernails Falling Off Due to Glove Design.") Photograph courtesy Oleg Voloshin, IBMP Space Gamers The Mars500 crew relaxes with a video game last Halloween.Such distractions, as well as the spaciousness of the ship, mean that the experiment hasn't really proven humans are ready for a trip to Mars, according to the science blog io9. A real-life mission would mean much smaller living quarters and no big home theater setups.(Related: "Mutant Diseases May Cripple Missions to Mars, Beyond.")But the crew and mission managers call Mars500 a success: "I am convinced," ESA director Jean-Jacques Dordain said in a statement, "that this experience is the starting point of much bigger adventures." Photograph courtesy IBMP Related Stories This Week's Night Sky: See Mars and Jupiter Compete Tsunamis on Mars? Splashy Claim Raises Eyebrows. See Mars at Its Biggest and Brightest in a Decade


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- 92Promote
iPad Tablet Skins
NIGHT FLOWERS - Beautiful Midnight Florals Feathers, Eggplant Lilac Periwinkle Cream Modern Abstractby EbiEmporium
Skins are thin, easy-to-remove, vinyl decals for customizing your laptop . Skins are made from a patented material that eliminates air bubbles and wrinkles for easy application.
What a STUNNER!! This ombre floral piece is a real beauty that would make jaws drop as a birthday, Christmas gift, or ANY other type of gift, really. Show someone how much you love them with flowers that last forever~
Title: "Night Flowers"
Artist: Julia Di Sano - Artist/Owner of Ebi Emporium
Colors: Periwinkle, Cream, Soft Yellow, Plum Purple, Aubergine/ Eggplant, Lilac, Lavender, Deep Black-Purple
Very painterly style that would suit most decor styles!
love this:))
Thanks!! This was actually my very first painting I sold on Etsy! I've had several requests for it to be available as prints, so I was thrilled to be able to do it here on S6 so easily~ I'm really glad you like it!
Thank you, Carina! :D
Great work :)
Thanks, Jena!! :) Happy you lke it~
soo cool!love the colors
Thanks! Glad you enjoy it, Pigboom~
This looks amazing as an iPhone case! Nice touch!
Thanks, Morgan! Glad you think so~ I'm thrilled with how they turned out, too, actually! :)
I'm following your lead with this one too... and my gf loved my paintings on iPhone cases so much she had to buy one ;) She's been looking for an iPhone case she likes for a while.
Hehe That's sweet. It's always nice to have art that means something to you personally :) I love paintings in bright colours, and adding them to cases just makes them super-practical too!
Awesome work !)
Thanks a bunch, Mo.Awwad! :)
I adore your brilliant happy artwork, Ebi!! xo
Love the color!! Such a cool iPhone case...
Thanks so much, both of you! I really appreciate your kind words and support! So happy you enjoy my art~ And yeah, I'm really happy with the way the iPhone case turned out too! :) It's exciting!
So lovely!
Thanks a bunch, Lisa! :)
nice :)
Thank you, Monika~
Thank you, Anne! :) Always LOVE hearts~
Still my fave of your work. :)
Hehe Thanks! It was the very first painting I sold on Etsy, actually! ;)
Gorgeous work Julia
Thanks so much!~
Outstanding! ✯ ✯ ✯ ✯ ✯ 👍
love the colors and texture! Awesome Julia
Very nicely done Night Flowers, Julia
very good!
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Welcome to Audiko.net! All you need is to download a free J.Viewz ringtones for your iPhone or mobile. Elect your favorite measures from your favorite piece of art - Muse Breaks, Salty Air, Far Too Close, or any other track. Then download the prepared J.Viewz ringtones to your mobile device, and enjoy Downtempo music by J.Viewz every time your phone rings. If you like Downtempo or maybe Ambient and Trip-Hop music, then you will probably like erik sumo, Troublemakers, or Etro Anime as well. For all who want a free J.Viewz ringtone, we also recommend listening to Israeli, Electronic, and breaks. You are welcome to obtain your tone both in the MP3 and m4a formats, supported by both mobile phones and iPhones. Just select a track, and choose free J.Viewz ringtones download option.
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|Smooth Criminal
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|Far Too Close
30 Nov 2007


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Joe Belfiore
Recent CommunicationView All »
New Developer Tools and Resources Extend the Windows Phone 7 Platform
Microsoft sets developers' sights on next-generation mobile opportunities and capabilities at MIX11. … Read more »
Microsoft Announces Reorganization of Windows and Online Services Business
Platforms & Services Division to Split Into Two Groups and Report to CEO Steve Ballmer. … Read more »
Microsoft Unveils Extenders for Windows Media Center and Internet TV Beta — Connected Entertainment Comes Home for the Holidays
New devices from Cisco's Linksys division, D-Link, HP and Niveus Media deliver new video formats, form factors and HD TV over wireless home networks; Internet TV beta debuts with more than one hundred hours of free full-screen video. … Read more »


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Recently I purchased NKTEL N82 a China Mobile Phone. It's working good yet I have some problems. I cannot find any usb drivers or other software stuffs to enhance this mobile handset. So from where I can download free usb modem driver for my chinese mobile phone?
If anyone knows, please update me.


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How Much Does Anti-venom Cost?
An anti-venom is a medicine that can counteract the effects of the venom released into your body when bit by something poisonous. Being stung or bitten by a deadly animal or insect is no joke. Aside from the fact that this poses a threat of dying within the day of being bitten, the treatment against venom is sometimes hard to find. In fact, not all hospitals in the country are even equipped with anti-venom for all venomous snakes, scorpions, spiders and other animals. Because each poisonous animal is different, their venom is different and take a different anti-venom to rid the body of the poison. Anti-venom is classified as monovalent or polyvalent and can be very expensive; vials of anti-venom come at different prices, depending on the animal bite or sting it fights against.
How much does it cost?
- Anti-venom is infamously expensive. However, the price of each will vary largely on its type and against what animal venom they are formulated to fight. A particular anti-venom used against bites from pit vipers can be bought for over a thousand dollars per vial. This fact is supported by FPnotebook.com. It is stated on this website that the cost of the anti-venom CroFab is over $1,000 per vial. Other snake anti-venom can be bought at different prices, others reaching as much $5,000.
- In an article of NYDailyNews.com about a woman who was stung by a scorpion, the site revealed that the price of the specific anti-venom administered to her (called Anascorp) is approved by the Food and Drug Administration to be sold at $3,780 per dose. However, not all hospitals will follow the suggested retail price. Most hospitals sell the said anti-venom at $7,900 to $12,467 per dose. Azcentral.com blatantly states on its site that Metro Phoenix hospitals (in Arizona) are billing as much as $12,467 per vial of this particular anti-venom.
- Snakebiteinitiative.org states on its site that the average cost of snake anti-venom is about US$160 per vial.
- As you can see, the cost of anti-venom will greatly vary. Depending on the rarity of the anti-venom, prices can range anywhere from $100 to as much as $13,000 or more per vial.
What is going to be included?
- Anti-venom can be purchased in most hospitals. It would almost be impossible for you to purchase one over the counter. In fact, only licensed veterinarians can purchase and dispense anti-venom. If you are bitten by a poisonous animal or insect, the hospital to which you are brought will likely administer the appropriate anti-venom. However, this is only possible if the hospital has the anti-venom you need. Unfortunately, not all hospitals are equipped with anti=venom.
- Although it is very rare to buy anti-venom online, you can still place an order through a reputable website that partners with international Red Cross. For instance, Asiansnakewine.com is one of the very few websites that sells anti-venom online.
What are the extra costs?
- Hospitalization. Regardless of the type of anti-venom administered to the patient, the patient will more than likely need to be hospitalized for a few days. According to fpnotebook.com the typical 12 vial course with hospital mark-up pricing is over $100,000. The price, however, depends largely on the type of anti-venom and the severity of damage it poses into the person.
- Dosage of the anti-venom. Each vial of anti-venom cost relatively higher than any other drugs. However, the costs are not only limited to a single vial. If a person has been bitten by something poisonous, one vial is usually not enough to rid the body of the toxins. According to Snakebiteinitiative.org, a patient may need 5-10 vials of anti-venom as an initial dose, depending on the species of snake that bit the patient. Therefore, if the anti-venom is $12,467 each, you may need to pay at least $62,335 for the anti-venom shots, excluding hospitalizations.
Factors that influence the price:
- Location. The prices of anti-venom will be drastically lower in other parts of the world outside the US. The Anascorp anti-venom, for example, is just $100 per vial at pharmacies or even less at government-funded clinics in Mexico but are sold over a thousand dollars in Arizona, USA.
- Type of anti-venom. Anti-venom used for venomous snakes that are common can be bought at most hospitals at a reasonable price. However, other anti-venom are almost impossible to find. In fact, some anti-venom are only found in other countries like Australia where the majority of deadly snakes originate.
Tips to know:
- It must always be brought in mind that the anti-venom must be administered to the patient as soon as possible after a bite. In the case of snake bites, the anti-venom should ideally be administered within four to five hours.
- You should only need to worry about the cost of anti-venom if you live in an area that has poisonous snakes or insects. Many states in the US do not have this problem.
- If you are traveling to a place where there are no hospitals close, it may be a good idea to buy some anti-venom from a hospital and take it with you on your travels. You can never be too careful with poisonous animals.
- For snakes and scorpions, the venom will be unique from one to another. Venom consists of combination of complex proteins, which act on the prey or bite victim in various ways. This is the reason that there is a need for specific anti-venom for a particular animal.
How can I save money?
- If you are bitten by a poisonous snake, spider, scorpion or other deadly animals, you can ask your health insurance to cover at least part of the costs for anti-venom and hospitalization. Most if not all of the times your health insurance will cover the procedure.
- Before you move to or visit a place that is home to poisonous animals, do your research on how to recognize each one. If you are educated in this area, you may be able to avoid being but in the first place.
Average Reported Cost: $7000
How much did you spend?
Austin Ainsworth (Hendersonville , North Carolina) paid $7000 and said:
Seven-thousand per vile, and I was given 5 viles so that is quite a bit of money plus ambulance,plus oxygen, plus hospitalization was quite a lot
Was it worth it? : Yes


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How to Get a Winning Coalition for the Gop
Dailey, Ruth Ann, Pittsburgh Post-Gazette (Pittsburgh, PA)
To win the 2012 Republican nomination and have a decent chance against President Barack Obama in November, the eventual candidate will have to mollify and motivate three factions: the GOP establishment, the religious right and the tea party.
Though the religious right is a wing of the GOP, the tea party most insistently is not; the two entities hold one another in mutual mistrust. But that doesn't mean they are equals in this relationship: The tea party doesn't need the GOP, but the GOP sure does need the tea party.
To meld these three fractious factions into a winning coalition, the eventual candidate will have to provide clear, persuasive positions on the two issues that deeply divide them: money and religion.
Since we can't hear theology lessons over growling stomachs, money matters come first.
As in 1992, "it's the economy, stupid," but this time around no candidate will need to "triangulate" his position: The statistics are so stark and the real suffering behind them so widespread that contrasting free-market policies, competently administered (one hopes), with the Obama administration's ill-conceived and disastrously handled economic policies should be relatively easy.
Tax rates, deficit spending, and Main Street-versus-Wall Street - - these are the aspects of economic policy that the broad public follows and cares about. How would each of the GOP front-runners fare against Mr. Obama?
Former Massachusetts Gov. Mitt Romney is the most vulnerable. Democrats have delighted in pointing out that his health care plan for Massachusetts served as a model for "Obamacare," the federal takeover of the nation's health care industry that ignited the tea party movement. "Obamneycare," former candidate Tim Pawlenty memorably dubbed it -- but that's not an epithet that Mr. Obama or his apologists can use.
Since GOP conservatives and tea party activists want a candidate who will repeal Obamacare and curtail the federal government's overreach in other constitutionally and fiscally important ways, Mr. Romney has to deliver a cogent defense of his Massachusetts plan. He can, and must, argue that as the state executive he put together a plan that would work for the people who elected him -- not necessarily for Idaho or Alabama. One size does not fit all.
Mr. Romney and former House Speaker Newt Gingrich are both vulnerable for the "sin" of having made lots of money. Former Pennsylvania Sen. Rick Santorum deserves praise for his defense of both men in last week's debate -- arguing that they did well because they worked hard with the skills they had -- a stark contrast to sore loser Texas Gov. …


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New tab problem
For about a month now, I seem to be having this recurring problem when I try to open a link on Sharenator in another tab. When I click on a link while holding ctrl, the page opens in another tab as it should but the current page is taken to that link too. It really gets annoying when i'm trying to open a lot of pages in different tabs quickly. I'm just wondering if it's just me or if anyone else is having the same problem. By the way, i'm using Chrome.
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1be a real man and turn to the fox.What's your reason to report this comment?
1I use Chrome. Doesn't happen to me.What's your reason to report this comment?
1i use firefox and doesnt happen to me. One thing i have noticed though is the sharenator link to home in the top left hasnt worked in every post. I think it was fixed though because its been awhileWhat's your reason to report this comment?
1At first I tried holding ctrl and clicking on a profile name (PwnzElite and others) and it didnt change both tabs, but...when i held ctrl and clicked on a related post link, it did change the original tab to the new one. you're not alone....What's your reason to report this comment?Yep, same exact thing with me. I usually just use the middle mouse button (scroll wheel button) to open things in new tabs.yeah, it usually only happens with links to posts
1doesn't happen to me I use foxWhat's your reason to report this comment?
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Example: I have a
Person class and a
Role class. I want to extract the role functionality from both
Role and
Person into a mixin. I get two mixins:
Actable to be included in
Role and
Adaptable for
I sometimes can't think of a proper english word that fits. In the above example, adaptable seems more fitting for roles than for people, because roles can be adapted and thus are adaptable. A better name would be versatile but that breaks the convention of mixin names with ending in ...able. (It's still an adjective though.)
Other example is when I want to add a module that allows checking, if a Person is allowed to view other persons. How do you find a name for that ending in ...able?
Viewable seems impropriate, the person that can be viewed should be viewable. I stuck to
showable for now (fitting with the method name in the controller). But then again, it's the Person that can be shown, that should be showable not the person that wants to show.
So I guess my question is, When there is no proper english adjective ending in ...able for a module name, should I choose another adjective that does not end in ...able or should I give it a name that does not quite fit?


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Meteorologists Tracking Hurricane Coral Gables Florida Usa Stock Photo40-44 Years,45-49 Years,50-54 Years,55-59 Years,Adults Only,Casual Clothing,City,Color Image,Computer Monitor,Coral Gables,Coworker,Day,Device Screen,Examining,Forecasting,Group Of People,Horizontal,Hurricane - Storm,Indoors,Information Equipment,Large Group of Objects,Meteorology,Northern European Descent,Only Mature Men,Only Men,People,Photography,Place of Research,Scientist,Serious,Southern European Descent,Three People,Using ComputerPhotographer Paul ChesleyCollection: The Image Bank Hurricanes originate over certain regions (usually the Doldrums) near the equator. They consist of high-velocity winds centred around a low-pressure region, known as the eye of the storm.


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By Rick Warren
— May 21, 2014
"The Lord is my light and my salvation. I will fear no one." (Psalm 27:1 GNT)
I love the way my wife Kay watches horror movies. If something like Alien comes on television, she turns on every light in the room and sometimes pulls up the comforter to cover her eyes. Would she watch a horror movie in the total dark? Absolutely not. Many of you won't, either, because light helps you see things more clearly.
David says in Psalm 27:1, "The Lord is my light and my salvation. I will fear no one" (GNT). God is described in two ways: as light and as salvation.
Yet many Christians live their lives in fear of rejection, completely ignoring the fact that if God is our salvation, then we have nothing to fear — not even losing the approval of those around us.
Living for the approval of others is a miserable way to live. It will cripple your life.
But God is your light and salvation!
Light does three things: It illuminates and lets you see things more clearly. It protects and provides a source of security. And, it energizes you.
David is saying in Psalm 27 that his relationship with God has the same three effects as light, so he's not going to be afraid. Do you have a relationship with God like that? If you don't, you're probably susceptible to the fear of rejection.
To overcome the fear of rejection, you have to realize that the Lord is your light and salvation, not anyone else. Don't look for anybody else to brighten up your day. Don't look for anybody else to save your life. The Lord is your light and salvation. Don't be afraid!
What does God save you from? Psalm 119:39-42 says, "Save me from the insults I fear ... I want to obey Your commands ... Show me how much you love me, Lord, and save me according to your promise. Then I can answer those who insult me."
Here's the thing: There is no fear in love. When you understand how deeply God loves you, it will simplify your life. It will illuminate, protect, and energize you. Bask in the light of God's love. Let it save you from a lifetime of fear.
Talk About It
Rick Warren is the founding pastor of Saddleback Church in Lake Forest, Calif., one of America's largest and most influential churches. Rick is author of the New York Times bestseller The Purpose Driven Life. His book, The Purpose Driven Church, was named one of the 100 Christian books that changed the 20th century. He is also founder of Pastors.com, a global Internet community for pastors.
This devotional © 2012 by Rick Warren. All rights reserved. Used by permission.
If you'd like to improve all of your relationships then you'll want to experience Pastor Rick's new four week DVD study called, Awesome Relationships. In this amazing study Pastor Rick shows you how to be intentional about building up your relationships so you can experience the awesome relationships that you desire.
One of the great tasks of life is building awesome relationships. God wants us to learn how to love, and the only way we can do that is when we're sharing life with other people.
Purchase this seriesListen to this series


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I dont think I know anyone who is not accepting of the various differences among people. The world is changing and if people dont change with it and learn to let others be entitled to their own opinions and behaviors, they will get left behind
Health & Safety:
There are campus crime issues here and there but it is as a result of the locals around . I think its only a matter of time and then they will all be pushed out . Students who get robbed kind of ask for it.This is a city. Don't walk around with gadgets out if you are alone or the street is not busy. Also lock your doors like normal people do.
Local Area:
Philadelphia is a great city to live in. It's perfect for every kind of person
Campus Housing:
The housing process is weird because they only house freshmen and sophomors for the most part. The restof us live in houses and apartments around campus. I guess its safer in the dorms because it is run by the school but its also really expesive. I havent been mugged yet or anything so for the most part i feel safe and I take the shuttle home when its dark or cold out so how much harm could I face doing that
Party Scene:
Nightlife? There is aways something to do at Temple not even just weekend nights. If you want to have fun Monday - Sunday at Temple, its possible M- hit a bar on campus, T- 25cent wings, W- white girl wednesday, TR- Thirsty thursday/ 3wings for $1, F & S- night out in the city/ bar on campus/ house party on campus, S- Caribbean nights at certain clubs in the city. Thats the thing about Philadelphia. You can always have fun whenever but you need to realize you are there for school and pace yourself with the fun . Transportation is always available because it is a city and there are a lot of colleges. We also have door to door shuttles on campus that take you wherever you want to go on campus
Off-Campus Housing:
Living off campus is great. No RAs, no intructions, no shared spaces with strangers, bigger bed, more space, cooking when you want, having as many guests as you want over, being alone when you want. Some landlords are awesome( like the one i had last year). They fix every little problem and the hallways are ceaned every day etc. Some of them are just the opposite but that just tels you your'e not living there the next year(if you have a lease that is). Safety is still an issue in terms of the many locals around but after talking to some alumini, i hear its way better now. There is a lot of real estate activity going on around campus now and the most of the landlords are renovating and renting to students now rather than locals so soon its going to be "owl town". Parking is always going to be an issue;its Philadelphia.
Drug Safety:
Temple's drug scene is not very crazy. Its not like half the students are high and walking around or skipping classes because they are high. Honestly you cant even tell who uses drugs half the time. With all the cops on every corner of campus, i think people who use drugs dont openly do it. In the case of alcohol, e are supposed to have an alcohol free campus but i honestly dont know what that means because there is no weekend i haven't seen alcohol especially because even though we are all "on campus" more than half the students dont live in dorms( dorms can only house freshman and sophomores for the most part). They are strict in the dorms though but im sure the students get around it. i know if you have a situation that they need to call 911, you are definitely in trouble no matter what age you are because this is supposed to be an alcohol free campus.
Greek Life:
I think greek life is great. You dont have to join if you dont want to; no one will look down on you if you dont. Those who join all have their personal reasons for joining. Until you have one, live life, make friends with everyone(greek or not), have fun and study
so far my internships have been okay. Im not in love with a particular one yet but im sure i'll fine "the one" soon
Im only upset I did not realize ths is what i was meant to do much earlier. I love my major now. I have a ton of entrepreneurial goals but i need to start somewhere and build up some capital. I worry if companies will overlook me because i dont have degree that falls within what they are known for.
All four seasons take place here, so the weather is different all of the time. The fall was beautiful and pretty warm. The spring and summer are typically warm as well. This current winter has had a lot of snow and ice, but the groundskeepers have maintained everything to the best of their abilities.
Greek Life:
I am not involved with Greek life on campus, but there are quite a few Frats and Sororities. Greek students are viewed a little snobbier by some people, but it doesn't really change anything.
Grades, test scores, and supplemental information are important to getting admitted. My program is a typical application process and people are there to help.
My program is great. The classes are challenging, but there are people willing to help. I love this major. They also keep people involved with volunteer and job opportunities. The building is also relatively new, and it is so nice!
Public transportation is so convenient as we have two subway entrances near campus and bus stops all over. There is also a train station close and lots of cabs.
Drug Safety:
Obviously the drinking age is 21, but many people partake in it. As long as students are responsible with it, there is not much of a problem because there are much larger problems to deal with in the area.
There are a lot of computers and there is wireless internet almost everywhere. The labs just get crowded quickly so it is best if you have your own laptop.
Our teams do so much to get students involved in the games/meets, and students love to watch.
Local Area:
The area this school is located in isn't the best, but it is very safe. There is also public transportation to almost anywhere in Philadelphia to go to many attractions.
Party Scene:
There is always something to do, whether it is on campus or in the city. There are also a variety of options to choose from for things to do, so everyone can always have fun.
The financial aid process that I went through, compared to my friends, was basically the same. The people try to do what they can to give you the right amount of money and make everyone happy, while trying to be fair.
Off-Campus Dining:
The food options offer a variety of choices at almost any time of day or night. The prices are usually right for college students, and if the price is higher, the portion is usually bigger.
Drug Safety:
Don't see it too much on campus.
It's isn't too bad but it can get real cold in the winter and hot in the summer and spring.
Off-Campus Housing:
It works like this: the closer you live to campus, the more expensive it is. The farther you live from campus, the more dangerous it is.The general, unspoken rule for Temple's off-campus housing is to stay as close to campus as possible. North Philadelphia is the not the ideal place to be walking around at night no matter where you are or who you're with. It is better to play it smart and take precautionary measures; stay within Temple's boundaries, walk with a group, avoid certain streets (you learn that from being here), carry pepper spray, etc.There are a lot of options, though. Every year, off-campus housing affiliates throw themselves at you. I still get emails from other campus-affiliated housing even though I have been living off campus for two years. It is more affordable to lease an apartment that is not associated with Temple, but Temple does have a few well-known affiliates (Oxford Village, Beech, Kardon, etc.)
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Overall, Temple has its ups and downs, but students seem to love it all the same. On the downside, there can be some head-butts with tyrannical teachers, unfriendly cafeteria workers, and the always-frustrating financial aid office. Housing can cause an enormous hassle, and those commuting have to battle with parking or public transportation. Some people don't feel as though they are prepared for the real world once they leave campus, but others say it's been an incredible learning experience. Those students that love their experience at Temple all have their own reasons. Some love the atmosphere and found it to be a lot of fun. Others found it to be a great place to grow up and discover themselves. Lots of students take away more from living in a big city than they do from the University. But one thing it seems most students agree on is that the people at Temple University are what really make it a worthwhile experience.
In general, students coming to Temple have big expectations, from both the school and the city. Those that graduate either feel that Temple met their expectations, or if it didn't, then it was their own fault for not pursuing more opportunities while they were there. Most students feel that Temple provides them with the opportunities that make their college experiences excellent—as long as they are willing to make use of them.
Compared against the students in the chart, you are in the:
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"We only move into the 21st century on the foundation of things that have been established long, long ago."
"I referred to the set as a trap: you entered it and you couldn't get out. Everything around it was a void. It floated in a void. For years I kept the set but didn't show it again. All the materials, the ketchup and whatever, were old. The question is, how does it continue? The work is evolving and changing."
-Paul McCarthy


text: It has been said that the influence of the European Court of Justice in the expansion of the external competence of the Community is a distinctive characteristic of Community law unique in the history of national and international legal orders.1 The purpose of this article is to discuss selected aspects of the case-law of the Court concerning competence, in particular, competence to conclude international agreements. An examination of the case-law leads to the conclusion that the Court has followed a pragmatic approach, that the question of Community competence should not be approached in the abstract, and that pronouncements of the Court on competence are of relative value. That is not intended to be a criticism of the Court. The notion of competence is different from the notions of primacy and direct effect, in the application of which the Court has, for good reasons, followed a strict approach. The principle of primacy and the principle of direct effect are the distinctive qualities of Community law-the pillars on which the Community system of judicial protection is founded. Both principles refer to the relationship between Community law and national law and assume that Community law governs a given situation. Whether that is the case depends on whether the Community has competence to act in the respective field. That in turn raises the issue of the division of competences between the Community and the Member States. Whereas with regard to primacy and direct effect a strict approach is justified, different considerations apply with regard to competence. In an entity such as the Community, which is now a component of the Union, the division of competences between the Community and the Member States is not susceptible to strict judicial demarcation. It is par excellence a political issue where flexibility should prevail.____________________


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Orrin Freeman House (1841)Monday, October 19th, 2015 Posted in Haddam, Houses, Italianate | No Comments »
The large brick Italianate villa-style house at 37 Maple Avenue E in Higganum was built in c. 1841-1843 by Orrin Freeman, a wealthy bachelor. As a prominent local businessman, Orrin Freeman (1807-1880) was part-owner of a brickyard started by his father. He also ran the largest lumberyard and sawmill company in Middlesex County with his brother. They supplied lumber for the shipbuilding operations at Higganum Landing until 1862. Freeman also served as Judge of Probate. The house remained in the Freeman family until 1904. Eugene Orlando Burr purchased the house in 1908. Between 1910 and 1942 he ran a dairy farm known as Higganum Dairy. The house has continued in the same family ever since. In 1976, to commemorate the Bicentennial, Burr's son-in-law, Francis Wright "Bill Gardner, Jr., who acquired the property in 1957, painted a large "Spirit of '76" mural on the house's southwest elevation. The house is now a bed & breakfast called The Spirit of 76 House.
George E. Bailey House (1825)Saturday, March 7th, 2015 Posted in Haddam, Houses, Vernacular | No Comments »
The house at 1344 Saybrook Road in Haddam was built around 1825 by George E. Bailey. It is a late example of a gambrel-roofed Cape house more common to the later eighteenth century. In 1828 he sold the house to Jonathan Dickinson (1792-1861), a shoemaker.
Old Baptist Church, Haddam (1833)Sunday, February 8th, 2015 Posted in Churches, Greek Revival, Haddam | No Comments »
The Shailer family of Haddam comprised a large portion of the membership of the Baptist Church that formed in 1792 and built a church on the south side of what was then called the Middlesex Turnpike in 1822. A new and larger church was built across the street in 1833, at what is now 1338 Saybrook Road in Haddam. The church closed its doors in 1907 and has since been used for other purposes, including a pottery studio and residence.
Ray-Ely House (1775)Tuesday, October 7th, 2014 Posted in Colonial, Haddam, Houses | No Comments »
The house at 1283 Saybrook Road in Haddam was built about 1775 by Benjamin Ray on land he had inherited, with his brother Peter, from their father James Ray (1689-1786) the year before. The brothers sold the property to John Ely in 1804. His son William sold the house in 1839 to the Odber family (William's daughter Harriet had married John Odber).
Deacon John Shailer House (1840)Monday, July 21st, 2014 Posted in Greek Revival, Haddam, Houses | No Comments »
The house at 1212 Saybrook Road in Haddam was built around 1840 by John Shailer (1791-1887) on land he had inherited from his father, Lt. Thomas Shailer (1742-1813). A deacon in the Baptist Church, John Shailer was a farmer and school teacher. In 1856 Shailer and his wife Elizabeth Ventres Shailer, with their married daughter Amelia and her husband John Clark, moved to Somonauk, Illinois. The house was sold to Ezekiel Shailer (1810-1867), a tobacco farmer who was also a merchant in New York City. After his death the house was next home to Sorilla, widow of Bazaleel Shailer, until 1903.
Brainerd Hall (1795)Tuesday, June 3rd, 2014 Posted in Colonial, Haddam, Houses, Public Buildings, Taverns & Inns | No Comments »
The house at 895 Saybrook Road in Haddam was built by the brothers Nehemiah and John Brainerd to serve as a social hall called Brainerd Hall. The brothers owned a granite quarry that they opened in 1792. Brainerd Hall was constructed soon after the brothers' uncle Hezekiah Brainerd and his wife Elizabeth acquired the land from Elizabeth's father, John Wells, in 1794. After John Brainerd's death in 1841, the hall housed students at the nearby Brainerd Academy, a school established by the Brainerd brothers.. After 1857, Erastus G. Dickinson operated the Golden Bull Tavern in the building. It remained in the Dickinson family until 1964.
Thomas J. Clark House (1875)Thursday, May 22nd, 2014 Posted in Haddam, Houses, Italianate | No Comments »
The grand Italianate house, now used for commercial purposes, at 263 Saybrook Road in Higganum in Haddam was built in 1875 as the home of Thomas J. Clark (1831-1910). He was a founder of the Higganum Manufacturing Company, later called Cutaway Harrow, which produced farm equipment. As described in The Conservative Advocate: a Book of Biographies of Connecticut's Successful Men (1900)
Thomas J. Clark, Vice President of the Cutaway Harrow Company, is as well known as any man in Middlesex County. He was born in Haddam, September 21, 1831, and with the exception of two years spent in Georgia and Florida, has always resided there. He attended Rev. James Noyes' private seminary in Haddam and then engaged in the business of stone cutting. Later he became a house builder. Since 1865 he has manufactured farm implements. He has been a life long Republican and is a member of the Congregational Society, He is president of the Higganum Savings Bank, a member of the Granite Lodge Masons and has represented his town acceptably in the Legislature. Mr. Clark is most highly esteemed and is a splendid type of the sturdy New Englander.
As further described in the History of Middlesex County, Connecticut with Biographical Sketches of its Prominent Men (1884):
When he was but 15 years of age, he commenced working in the quarries and doing odd jobs of mason work. The strong spirit of self-reliance and independence were manifested at this early age, and thee years later he started for Apalachicola, landing there in the fall of the year an entire stranger. He didn't sit down, Micawber like, "waiting for something to turn up," but soon after engaged as an assistant in the engineer's department of a cotton pressing establishment. He soon learned to run an engine and earned good wages as an engineer. For two or three years he spent his winters at Apalachicola, and his summers at the north working at his trade as a stone mason. For several years after this he was engaged in the construction of important works at different places, among which was the Asylum Street Depot in Hartford, erected in 1848. He subsequently entered into partnership with his brother, George M., taking large contracts for the erection of bridges, mill works, factories, etc., the stone and mason work being entirely under his supervision. He was engaged with his brother in the erection of the Russell Manufacturing Company's building at Higganum, and soon after this started with his brother the extensive manufacturing business now carried on by the Higganum Manufacturing Company.
Mr. Clark is modest and retiring in his habits, but possesses those sterling qualities which go to make up the solid men of our country. He has never sought political honors, but attended quietly to his business affairs, and has aided materially in the development of one of the most prominent branches of industry in this country. In this he is now, and has been from the commencement of the business, and important factor. He is vice-president and has the general management of the mechanical department of the Higganum Manufacturing Company.
On the 7th of December 1854 he married Elizabeth Quick, of Masthope, Pa., by whom he has had four children: Arthur, born August 2d 1858; Effie Elizabeth, born December 21st 1860; Alvan Thomas, born October 14th 1862; and Ada Selden, born February 24th 1871.
The death of the his first wife occurred on the 13th of July 1873, and on the 4th of November 1874 he married Sophia M. Warner, of Montrose, Pa. One child, Nina Gertrude, is the issue of this marriage.
Until quite recently Mr. Clark has taken no active part in public affairs, but during the fall of 1884 the people of his native town insisted on his accepting the position of selectman, which his long experience and thorough knowledge of the duties incident thereto fully qualify him to fill.


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Staffing - FTE Required
Created by:Statistics:Forum:Quick links:
santosh santhosh on 29/11/2005 18:10:14.Topic has 40 posts; viewed 56472 times.Planning, Strategy and Management [This topic is read only]Forum List | Unified View | Latest PostsPopular Topics | Editor's Choice | Voices WebLog
santosh santhoshProcessAnalystsTeleIt.com23 posts0 friends welcomed
Staffing - FTE Required [29/11/2005 18:10:14]
we are into Help Desk - Technical Support
I am mainly involved into the WFM - Tool and currently getting trained on IEX.
Just wanted to know some stuff from you, would be great if you can help me out.
Looking out for calculating No. of FTE required for a month (I can do it for Hourly and Half Hourly)
but is there a way to calculate for a month
Ex: - 25000 calls / month, 10 mins AHT, 90% in 20 secs SLA, 30% shrinkage.
I have half hourly call distribution for 3 months.
Thanks in advance,
Eamon GoodfellowHeadcount Planning AnalystPayPal145 posts0 friends welcomed
FTE required [30/11/2005 15:46:52]
Dave ApplebyWFM & Business Telephony ManagerHealthcare Insurance1566 posts0 friends welcomed
Eamon [30/11/2005 16:18:27]
How (roughly) did you get there?
Show your working (as I'm sick of being told) :-)
60 [30/11/2005 16:41:14]
Can't, knowledge is power!
Paul Dulfo-StaggPBX Engineer, NCTS, NCDS, NCSSwitheld273 posts1 friends welcomed
Beg to differ [30/11/2005 16:45:36]
32. But made lots of assumptions on hours of operations.
Power [30/11/2005 16:48:05]
To plagerise totally.....
"Power corrupts,
Absolute power....
Is even more fun..." :-)
All Hail....
60 [30/11/2005 17:00:25]
Erlang calculates the staffing in each half hour in a typlical week based on aht, IT help line call profile (just taken a week to be the monthly calls divided by 4) and service level required. Added up and uplifted by the shrinkage percentage to give the total employed figure, then divided by 37.5.
PS Paul, using 32 FTE leaves about 14% for availability and shinkage unless your using 70 hours for an FTE?
Lester BromleyEuropean Business Process ManageUnisys9 posts0 friends welcomed
44 [1/12/2005 11:44:14]
My entry is 44.
Opening Hours 09:00 - 17:00 (8 hours)
21 Working Days per month
Agent works 7.5 hours per day.
From Erlang
Average calls per day = 1190
Service Level = 90% in 20sec
Average Handle Time = 10 minutes
Answer is 32 agents (but at 78% usage level)
Answer is 36 agents at 69% usage
Convert to FTEs = 38.5 (36 * 8 / 7.5)
Addition 1 in 7 for holidays/sickness = 5.5
Total FTEs = 44
I agree [1/12/2005 15:50:46]
My original witha 30% uplift for the shrinkage.
Staffing - FTE Required [1/12/2005 18:58:47]
Hi All,
Thanks a lot for all your views on this,
Let me give some more inputs on this,
Total call volume - 25000
AHT - 10 mins
SL - 90% in 20 secs
Shrinkage - 30%
Occupancy - 90%
Total login hrs - 9
Breaks 1 hrs total
Actualy login over phone - 8hrs
I had calculated from my end got my requirement over 70 techs,
I am just curios whether this no. sounds ok
Need your experience on this,
would be great help
48 [5/12/2005 10:41:34]
Based on monthly volumes of 25,000 calls per month, and assuming that a 90% in 20 service level would equate to a 2% abandonment rate for helpdesk callers, an AHT of 600 secs and an agent working day of 9 hours (1 hour in paid breaks) and an overall shrinkage level of 30% the number you need is 48 FTE.
(55 FTE if worked out as a 7.5 hour paid day as I looked at before, the difference from my earlier 60 is accounted for by the lower call count by working out the weekly volume as 25,000 x 12 / 52 and taking abandonment into account)
You'll notice that I haven't included occupancy in the calculation, that's because occupancy (the percentage of time an agent spends handling calls divided by the total time they are planned to be handling telephone calls) is dependant on the call pattern, volume, aht and service level, i.e. the number of agents required as dictated by the erlang calculation also determines what your occupancy will be, In this case about 67%. Applying a 90% occupancy calculation to this FTE figure would artificially deflate the requirement and make the service level impossible to hit
I hope this helps
Shared resources [10/1/2006 03:18:43]
Hi All,
Our team is into Help desk (technical support) where the base line support is one and the same, it just differs from the region.
I was trying to develop a module where in i can share an agent taking calls for one client to another client, which i can call him as an shared agent.
Ex: - If a new client gives call volume, aht, service level and asks to give in the no. of staff required, and if we say the FTE required is 10.
the client would come back and say they would bill in for only 8 FTE's.
what i thought is even though i can have 10 FTE they would do the billing for 8 FTE, where in i can use 2 of them as shared resources from other client.
I wanted to know is there any procedure to follow, how do we calculate utilization of a shared resources.
we have some of the clients in the same way saying, they need our service for around only 30 calls per month, but 24 * 7 support.
This sounds very tricky, but if this works out then its really great.
Your experience on this is really appriciated.
lester ajerawfmtp3 posts0 friends welcomed
Staffing - FTE Required [1/7/2008 06:26:18]
hi guys i've been with our workforce for a while, i'm new with erlang and wondering if what function was used for the calculation.. thank you in advance!
Lester. FTE cal for IB / OB [1/7/2008 22:38:04]
Let's define some variables
Productivity Required (%) =P
Work Hours (Per Day)= W
Staff Available (FTE) = S
IB Calls = C (Avg per day)
IB:OB Ratio ( R :to 1)
Rearrange as required.
Dave question [2/7/2008 06:08:39]
i was able to understand the formula aside "C" and "R". what does it stands for?
im confused about effiency and occupancy. the data that i have is only efficiency. can they be inter mixed?
assuming i have this nos.
Total call volume - 5000/week
AHT - 5 mins
SL - 80% in 30 secs
Shrinkage - 20%
Efficiency - 85%
Hours of operation - 17 hours / day
Breaks 1 hrs total
thanks for your help. i appreciate it!
Lester [2/7/2008 07:38:24]
Not sure what you mean.
They're defined in the variables.
Efficiency / Occupancy / Productivity tend to be synonymous.
I take it you've been given an target.
How are you defining shrinkage?
Just as a query, how much background do you have in WFM?
The calc above is for modifying known IB callflows and modelling
OB calling within the IB peaks and troughs.
In relation to the Erlang-C Calculation the distribution (NOT FUNCTION)
is a modified POISSON.
or expanded
Patches on jackets, beards, long hair and pipes [2/7/2008 15:34:52]
There I am, idlely surfing the net and I come across a thread that looks like one one of those old Open University programmes (one for the older readers)!
What joy!
Lester - you need 27 Agent FTE (Full-time equivalents) for the paramenters you've stated above. Use this as a benchmark, if you need to answer 10% more calls with the same AHT then employ 10% more agents.
Then get involved with erlang, the erlang add-in for excel (just type that into a serch engine) is a good place to start.
Dave - you need a jacket with elbow patches
Steve HelmPlanningOutsourcing89 posts0 friends welcomed
Eamon [2/7/2008 15:58:51]
A 10% uplift in AHT would not return a 10% increase in net staffing when using erlang.
My answer would be 52.64 fte and 56.71 fte for a 10% uplift in AHT (Which equates to 7.73% increase) Both are net of shrinkages and are based on a 7 day operation 9 -5 and 9-12 weekends.
Eamon [2/7/2008 16:26:32]
The question asked was
i'm new with erlang and wondering if what function was used for the calculation
That's what I answered.
As I've said before, add-in's and WFM products are
great BUT you should have at least some understanding of where
the data comes from and how it's calculated.
Blind faith in the output from ANY application not just WFM
is a bad thing.
You can't be an accountant or even an accounts clerk just by using
SAGE or MONEY etc, some basic knowledge is required.
Same rule applies here.
Hi Steve [2/7/2008 16:50:11]
"A 10% uplift in AHT would not return a 10% increase in net staffing when using erlang".
Absolutely correct, wasn't using erlang, hence my "Then get involved with erlang comment. I was providing Lester with a starting point and a broad basis for planning before he got himself immersed with the whole erlang thing.
As for your suggestion, I have some observations -
52.64 FTE, Net of Shrinkage represents 65.8 employed FTE (52.64/(1-20%) based on a 37.5 hour week per employed FTE that equates to 2,467.5 employed hours (65.8 * 37.5)
The amount of work that needs to be done each week is 5,000 calls multiplied by 5 mins per call, expressed in hours (5000 * 5 / 60) = 416
Therefore the time, in your model that agents would spend handling calls as a proportion of their total employed hours would be 17% (416 / 2467.4) against my suggestion, which equates to 41% (416 / (27 * 37.5)). Even if we consider that you already have shrinkage included in your FTE figure and that an FTE works 35 hours per week then they are still only working 23% of their employed hours
Against industry norms of around 40% - 55% even my calculation looks inefficient, this is due to the final parameter of opening hours - 17 hours per day, not the opening hours you have suggested, also I have factored in that at least 2 people need to be present on the phones at any one time to ensure that the opening hours can be covered, irrespective of how low the volumes get.
So yes, increasing from 52.64 to 56.71 is a 7.3% increase in staffing, however going from 27 to 52.64 is a 95% increase to begin with.
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text:
i noticed when i put wheight in truck i loose alot of power and find myself down shifting all the way down to first like i should get out and push. my truck has 364000 is she just wore out or can i regain the get up and go she used to have?
by plouv30 in Elizabethtown, KY on April 20, 2013


text:
The 30-gal propane water heater in our cabin made a sound like a small explosion (equivalent to about 5 times the volume of a normal "fire-up") which got our attention. The front had begun to blacken above the access panel after starting to use the last 25# tank; the flame is mostly orange with only about 1/2" of blue. The orange flame also curls and overlaps the tank bottom and there is charred debris in the chamber and on the floor. This is only a 27000 BTU tank in an open room with more than ample oxygen sources for combustion from both back and front of the unit. The vent is short, about 5 feet, and appears to be clear. The unit had been working normally. The owner's manual is no help. We switched tanks; switched regulators on the tank(s); same thing. The pilot relights easily, it started up normally twice, but the flame is still wrong. Getting service on location is impractical; choices are to uninstall it and take it to service or just replace it but don't want to give up yet as it's had less than 3 years of use (though a lot of 1 week use followed by 3-4 weeks off). The mix of air and fuel is wrong; can anyone suggest what can be wrong?
Altitude is 479 ft; temperature range was 59-80F. Tanks are left outside and changed out as needed - could there be debris in the line?
The burner itself may be stopped or the ports may have dirtdobbers nest in holes if this is a vacation resort home. take an air tank and blow the burner itself out good and clean.it may have lint in the throat or burner port.after cleaning burner properly, the air butterfly should be turned aprox 1/4 turn from full close. I would be very careful with this, as propane gas lays on the floor and is very explosive. also, if the tanks are liquid full, or the diaphram in the regulator is blown, this will also occour.
Hydronic Heat, Indirect Water Heater, No Hot Water
Insulating a hot water heater
water heater vent
Chimney Lining for a Woodstove
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text:
Oklahoma loses bid for insurance company relief under health care law
WASHINGTON — The Obama administration announced Wednesday that it has rejected Oklahoma's request to shield some health insurance companies from the requirement that they spend at least 80 percent of the money they collect in premiums on medical costs.
The decision by the Department of Health and Human Services could mean nearly $16 million in rebates this year to about 70,000 Oklahomans who purchased their own health care coverage.
The state Insurance Department requested three years of lower ratios, warning that implementing the 80 percent requirement might mean fewer options for coverage in the state.
Oklahoma Insurance Commissioner John D. Doak said Wednesday, "This decision could lead to a massive disruption of our insurance markets in Oklahoma."
But the Health and Human Services Department said the decision "will ensure consumers receive a better value for their premium dollar."
The requirement, known as the Medical Loss Ratio standard, was part of the health care bill signed by President Barack Obama in 2010.
Companies that sell policies in the individual and small-group markets must show that 80 percent of premium revenue went to health care expenses and quality improvement, with the other 20 percent allowed for overhead and profit. Companies in the large-group market have an 85 percent threshold.
Those that fall below the threshold must issue rebates to policyholders.
Oklahoma is one of several states that asked the Health and Human Services Department to grant lower ratios until 2014, when all companies must abide by the standards. Kansas' application was also denied Wednesday.
Doak's application asked that the ratio for insurers in the individual market be 65 percent for 2011, 70 percent for 2012 and 75 percent for 2013.
The Health and Human Services Department determined that two companies, Aetna and Humana, met the 80 percent threshold in 2010 and that six others intended to adapt to the standard or would be sufficiently profitable to issue rebates
"Based on this, we do not expect any issuers to withdraw from the Oklahoma individual market," the department said.
If the companies' ratios for 2011 are similar to those in 2010, six companies would owe about $16 million in rebates to their customers. Golden Rule and Health Care Service Corp. would have the largest obligations, according to the Health and Human Services Department.
Doak said Wednesday that some of the companies might have to comply with the standard by
"Simply put, competition is good for consumers and these MLR requirements could very well
Oklahoma's congressional delegation wrote a letter to the federal department supporting Doak's position, but consumer groups and the Oklahoma Policy Institute opposed the state's request.


text:
The financial position of any company can be measured through various methods, but, one of the easiest and most efficient methods is by using the financial ratios and liquidity ratio is one such financial ratio.
Liquidity Ratio:
Liquidity of any company is defined as a firm's ability to meet its short-term liabilities or in simple words you can say that it measures how easily a company can fulfill its obligations when they become due. So, a company's ability to pay its short-term debts is measured using liquidity ratio which can easily be calculated by using the financial information provided in the financial statements. Liquidity ratio is further divided into three main ratios and measuring all three of them would give the analysts the right view of the company's efficiency in terms of liquidity.
Current Ratio:
The liquidity of the company could be easily and directly measured using the current ratio. It is actually defined as a company's ability to pay its short-term debt using its current assets. The formula that could be used to calculate the current ratio is very simple and is as follow
There are two terms which are of concern to measure the ratio i.e. current assets and current liabilities. The current assets of any company include all the assets that it possess which could be converted into cash within a period of one year such as cash, account receivables, marketable securities etc. Similarly, the current liabilities are those debts that the company has to or can have to pay within a short period of one year. We can understand this ratio with the help of an example. Let's suppose an ABC company has this information in its balance sheet
Current Assets = $80,000 and Current Liabilities = $40,000
So, the company's current ratio will be 2 (80,000⁄40,000)
This ratio of 2 means that the company has twice a number of assets as compared to its debt i.e. for every $1 liability, a company has $2 to pay it. The current ratio equal or greater than 1 is considered good for the company.
Acid Ratio:
The acid ratio is also called as quick ratio and is another type of liquidity ratio. The acid ratio measures a company's ability to pay its short-term debt with the most liquid assets that it possesses. The term liquid assets refer to all those assets that could be readily converted into cash. The current assets are mostly liquid assets with the exception of inventory that can take the time to be converted into cash. So, this makes the formula for acid ratio to be:
It is a relatively tougher measure for a company's liquidity ability. Only the information regarding the assets that are quickly converted into cash is incorporated to find out the company's quick ratio. For example, if a financial analyst gets the following information from a company's balance sheet
Cash and Cash Equivalents = $ 40,000
Accounts receivables = $ 20,000
Inventory = $ 10,000
Short-Term investment (that matures within 90 days) = $15,000
Current Liabilities = $ 25,000
Then he can easily calculate the Quick ratio as:
Quick Ratio = 3 (( 40,000+20,000+15,000)⁄25000 )
This quick ratio to be 3 is an indication that the company is financially stable as it has $3 to pay each $1 of the debt. Acid Ratio equal to or greater than 1 s considered good for the company.
Cash Ratio:
The liquidity measurement is further narrowed down by measuring the cash ratio of the company as it is the measure of the company to pay its short-term liabilities with the help of cash reserves that it possess. No other current or quick acid is involved while measuring the cash ratio. The formula for the Cash Ratio is:
From the balance sheet only these two items would be taken to calculate the cash ratio.
For example if the company's current Cash reserves are $ 20,000 and the Short-term investments are $10,000 and Accounts receivables is $ 20,000 whereas the Current liabilities are $ 30,000
Then the company cash ratio would be
Cash Ratio = 1 ((20,000+10,000) ⁄30,000)
The higher cash ratio is an indication of a company's strong financial position.
These are the three kinds of liquidity ratios that should be measured in order to judge the company's ability and efficiency in paying the short –term or current debt. These ratios are important to be checked by those who want to invest in the company.


text:
You might think thigh chafing is gross and uncomfortable. But so are heels, and we love those, right? Here are some ways to showcase that summer sweat and thigh chafe while you strut your stuff:
Nail it!
Chaffing can be pretty itchy, but use this scratching to your advantage by showing off your latest manicure! Nothing is sexier than caressing your legs, even if they are red and irritated. For an extra fierce look, keep polish colors to pinks and reds to match your raw and gnarly legs!
What a Stud!
Just because chaffing causes ugly welts doesn't mean it can't be sexy. 3-D textures and studded materials are totally hot right now, so why stop with your skin? Complement your bumps with a pair of studded knee-high socks and you're a total alterna-hottie.
Athlete's Thigh!
Sometimes making an athletic look sexy can be hard, but not when your chaffed thighs are screaming, "I walk around. I'm really active!" That skinjury is evidence of how far you're willing to go, on the streets or in the bedroom. Add a pair of yoga booty shorts to highlight your inflammation and you'll be setting his crotch on fire as well!
Rashlin Monroe!
If your thighs have started to bleed because you refused to wear spanx with your skirt, playfully push your skirt down to sop up the blood! Sure you'll let him have a peek, but that doesn't mean you can't pretend to be demure. Wear something white so he can see the sexy mix of sweat and blood peeping through!


text:
Box Office
Monday – Friday: 10 AM – 6 PM; also open until 10 PM on performance days
Saturday: 12 noon – 10 PM on performance days only
Sunday: 12 noon – 4 PM on performance days only
2015-2016 Season Performance Schedule & Regular Prices
We have new weekday times and price changes that will begin with the fall production. Please note: There will be NO WEDNESDAY EVENING performances.
Reservation Details
General ticket sales for each production begin approximately one month prior to the first performance date.
Annual donors of $250 or more may purchase tickets two weeks in advance of the general public.
By phone: 734.433.7673
Purchases can be made by phone using Visa, Mastercard or American Express. Due to software updates, we now require full payment at the time of ticket reservation. Reservations may be canceled or exchanged up to 24 hours prior to performance for a full refund.
In-person: 137 Park Street, Chelsea, MI 48118
Purchase tickets with cash, check, Visa, Mastercard or American Express at our Box Office.
Click here for a map.
Click here to purchase tickets online
Purchase tickets through our web site with a Visa, Mastercard or American Express. Web service fees are non-refundable.
Please call our Box Office if you have special seating needs, would like to purchase tickets at our group rate or have any questions about your ticket purchase. Web sales are subject to our 24 hour cancellation policy.
Reservations are strongly recommended due to our limited capacity of only 168 seats.
Standard Discounts
Please note that discount pricing is subject to ticket availability, cannot be combined, used retroactively or in conjunction with other offers, and may not apply to special events.
These are the first 7 performances of each production before Press Opening; the first week of previews include a talk-back with the director.
$5.00 off per ticket on Wednesday & Thursday previews
$10.00 off per ticket on Friday, Saturday & Sunday previews
$4.00 off per ticket for groups of 12 or more with advance reservations. Group reservations can be made by phone or in-person for any date throughout the season and must be pre-paid at least three weeks in advance.
$3.00 off per ticket for patrons 62 years and older.
50% off per ticket with valid student ID. (includes K-12 & University)
$3.00 off per ticket for K-12 or University educators with valid ID.
New! Military/Veteran
$3.00 off per ticket for Military Personnel and Veterans.
Gift Certificates
The Purple Rose has a new Gift Card system, courtesy of our ticketing vendor, Vendini. Here are a few of the great new features these Gift Cards will offer:
-You may choose to put ANY dollar amount on a Gift Card!
-Online redemption is now available!
-New PRTC Gift Cards may now be used to pay for classes and Jeff Daniels: Onstage & Unplugged!
To purchase a new PRTC Gift Card, call (734) 433-7673 or stop in the PRTC Box Office at 137 Park Street, Chelsea.
*Unfortunately, online sales of gift cards are not available at this time.
To redeem PRTC Gift Cards, locate the ID code (a series of letters and numbers). Enter it online or mention it over the phone when making your reservation. Our Box Office staff is happy to look up your Gift Card balance at any time. Remember, reservations are always recommended!
All gift cards are valid for 5 years from the purchase date which allows your recipients to choose their own production and performance to attend. All gift cards are NOT redeemable for PRTC fundraising events and are not refundable for cash.. The Gift Card ID code must be provided when making your reservation.
Previously purchased paper Gift Certificates (codes beginning with WT, WM, FSS, or SAT):
-They may not be transferred to new PRTC Gift Cards.
-They are valid for 5 years from the purchase date which allows your recipients to choose their own production and performance to attend.
-Gift Certificates are not refundable for cash.
-Prices vary by day ($27/$37/$42) and any balance may be paid at the time of reservation. Any unused balance is lost. Please mention the code written on the bottom left of your certificate when ordering, and present the certificate as payment when picking up your tickets.
The PRTC complies with all current ADA Standards (Americans with Disabilities Act).
Entrance ramps and elevator access are available on both the upper and lower levels.
Wheelchair-accessible seating is available in the front center row of the theatre, and the front row of all three seating areas are floor-level for those patrons who may not wish to climb stairs.
Companion seats are reserved in the second and third rows behind the accessible seating. According to ADA Standards, patrons purchasing companion seats must also purchase at least one accessible seat. We are able to sell companion seats without an accessible seat once all of the accessible seats are sold OR once the entire center section is sold. Out of respect for our patrons with mobility issues, we ask that able-bodied patrons avoid purchasing accessible seats online if other seats are available.
Assisted listening devices and large print programs are available at our Box Office for all performances.
Please mention any seating or accessibility needs you have when making your reservation.
Ticket Donations
The Purple Rose Theatre Company is a nonprofit organization and understands the value of helping community organizations. We are happy to consider requests to donate tickets for use in fundraisers and silent auctions.
Please note that we have a limited number of tickets to donate and we receive many requests each year. It is not possible for us to donate to every organization that requests tickets, and some requests will be denied. We will donate to a specific organization only once per year.
To request a donation for your charitable event, please complete the form provided at BiddingForGood.com, our online charity auction platform.
Due to the volume of requests we receive daily, we cannot confirm that individual requests have been received. You will receive an e-mail regarding the status of your request within two weeks of submission.
Interested in being a volunteer usher? Click here for more information!


text: Zero Hour somehow wasn't enough of a gag-free Airplane! for Kypros Kyprianou and Simon Hollington, so the two decided to edit all the jokes out of the spoof, rendering it down to a 14 minute, poorly-acted melodrama. So if you ever wanted to see Airplane! be less funny, here it is. It's still pretty funny when Leslie Nielsen says "I just want to tell you both good luck; we're all counting on you," though.


text:
Top Definition
Nice car; is it chipped yet?
dodane przez The Finer Definer czerwiec 02, 2003
Buzzed, Stoned, Baked, High on pot
Dude I got chipped before school yesterday.
dodane przez bermudadude123 czerwiec 01, 2010
To have a computer chip embedded in your brain, directing your thoughts; under government control.
I've been chipped and now I can't think for myself.
dodane przez dgldjljf wrzesień 23, 2011
To get beat up. In other words to have ones face chipped away in a sort of sense.
Simon: Are you alright; why are you sweating?
Tyrone: Kyle stole my homies weed, so I chipped him.
Simon: Damn. Relax man.
Tyrone: Kyle stole my homies weed, so I chipped him.
Simon: Damn. Relax man.
dodane przez DHirtyFYL sierpień 10, 2015
To never win at anything and to lose by a rediculous margin.
"Man you killed me in Fifa, Forty-five to nothing....I GOT CHIPPED!!!"
dodane przez Commissioner K sierpień 10, 2009
beat vagina, comes complete with flappy lips.
get that chipped ham out of my face!
dodane przez The Real Rick marzec 14, 2007


text:
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