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County pension charts path through risky waters
"When you're constructing one of these risk parity strategies, you're going to have a fairly high allocation to fixed income because of the low volatility," said Josh Charleson, senior fund analyst with Morningstar. "But on top of that you have certain return targets. So basically in order to preserve the allocation to bonds, you have to apply leverage in order to increase the expected returns in the bond part of the portfolio."
Leverage in SDCERA's case means using futures — sophisticated investments that bet on the direction of future prices without actually buying a stock, bond, commodity or other asset.
Futures contracts are secured by escrow-like deposits. The deposits are a fraction of the agreed-upon, contract price of the asset. So investors can enter into many contracts with small deposits — thus leveraging their money.
If prices move the way an investor wanted, they gather hefty returns because of the extra exposure from leverage. But if prices move against them, losses are magnified.
"A modest amount of leverage is certainly something worth considering," says Belt of the Milken Institute. "But it's a wrong answer — capital W — if you're simply introducing leverage into the portfolio to juice returns and try to earn your way out of a funding shortfall."
Partridge says SDCERA's leveraged assets — mostly U.S. Treasury futures, global equity futures and total return swaps — are held in well-established futures exchanges. SDCERA is long — or a buyer — in these markets and doesn't dabble in exotic trading strategies, he says, adding that futures are a low-cost way to boost SDCERA's exposure to certain markets with low volatility.
For example, the NYSE 10-year Treasury Futures Index averages price swings about one-third as severe as large U.S. company stocks, according to a report from J.P. Morgan.
"Our exposure in terms of futures is much less than what our peer group's is to equities," says Partridge.
Alternative investments
Fixed-income bonds have been good investments for several years. But market watchers see an end coming for the bond bull run — which could be bad news for a leverage bond portfolio.
"People who are skeptical of risk parity strategies say you're levering up bonds right at the point where bonds are kind of at the peak of a cycle," says Charleson, the Morningstar analyst.
In addition to leverage, SDCERA has a sizable percentage of the total fund tied up in alternative investments. Twenty percent of its money is allocated to hedge funds. The 1,000 largest public pension funds nationwide on average had less than 4 percent of their money in alternative investments, according to Pension & Investments, an industry research publisher.
Activists who study public pensions say there is an inescapable link between profits and risk, and say earning higher returns is not possible without taking more chances.
"There's no way to avoid the relationship between risk and return," says Dan Pellissier of California Pension Reform. "People who invest money on the taxpayers' behalf should be more conservative than they are in their private life because the only way to make up for losses is through taxes."


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August has been a rough month for CBS sitcoms, with sources saying network officials have indicated that two in-house shows, "The Building" and "The Boys," won't be extended beyond their initial order.Warner Bros. is also fighting for its life with two series occupying the 8 p.m. hour Wednesday –"The Trouble With Larry," an early-arriving fall comedy — and "Tall Hopes," which both premiered Aug. 25. The network hasn't formally made a decision on either show (they've aired twice), but at this point just one CBS summer comedy, Paramount's "Big Wave Dave's," looks likely for an extension. That show, however, got sacked earlier this week by the big Dallas-Washington "Monday Night Football" showdown, falling to a 13 share after retaining 93% of its "Murphy Brown" lead-in rating in four previous airings. CBS stated in July that it would use the summer as a testing ground for midseason series, which could then be re-ordered and return later in the year. Thenetwork also said short orders provide more at-bats with new series, while suppliers expressed fear that the practice will prompt quicker hooks in evaluating low-rated or marginal new shows. As a side note, Bonnie Hunt, star and exec producer of "The Building," has a movie deal that would make it difficult to immediately continue her series, produced by David Letterman's Worldwide Pants Inc. in association with CBS Entertainment Prods. and Columbia. Neither that show nor lead-out "The Boys" (from CBS and Twentieth TV) helped their cause Friday, posting an 11 share each in the 9 p.m. hour.
CBS' 'Boys,' 'Building' losing lease
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If Tweetdeck is your weapon of choice for Twitter, you'll want to be sure to grab the latest version from the Android Market. Version 1.0.2 has been made available and addresses a few issues within the application. One of the larger ones being the adding of Facebook accounts which some users had troubles with. While we're at it, we might as well make mention that @deckondroid has also confirmed that Twitpic support is coming very soon for those of you who prefer that over YFrog.
Tweetdeck for Android has been updated to 1.0.2 in the Market!
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Tweetdeck for Android has been updated to 1.0.2 in the Market!
9 Comments
Am I the only one annoyed that I don't get a new notification if there is a "back and forth" conversation via wall comments from the same person? I want a new notification everytime someone responds to a post.
Same thing with Likes, they don't always update to reflect the right number of likes.
It's a nice app, better than the standard twitter app. Klubhead, no I think it looks great.


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GameFAQs User Profile: DarkChozoGhost
|User Information
|Member Since
|September 2nd, 2007 (9 years ago)
|Last Visit
|May 29th, 2016
|About Me
|I never really understood how Mother Brain was a planetary defense system >_> What defenses does she control? "Blow the planet up?" That's a great defense >_> - Diorte


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Garden Mint & Bergamot Hand Wash
Garden Mint & Bergamot Hand Wash
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A gentle organic hand wash fragranced with the clean, green scent of freshly picked garden mint and zesty Sicilian bergamot.
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How to Use:Use the pump to dispense hand wash, lather and rinse in the usual way. a gentle cleansing wash to remove impurities without drying the skin. Recommended for all skin types.
*Organically produced ingredient. Natural constituent of essential oils listed.
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Mammal news
IUCN and Microsoft form unique partnership to tackle species extinction
Microsoft and IUCN, the International Union for Conservation of Nature, jointly announced today at the 2012 IUCN World Conservation Congress in South Korea, the formation of a new partnership to… | French | Spanish
11 Sep 2012 | International news release
Gold medalists of the natural world
Running, jumping and diving is on everyone's mind these days as the London 2012 Olympic Games kick off and the world watches the best human athletes compete. But humans aren't the only ones that…
27 Jul 2012 | Article
Protecting more than just the cute and cuddly
Continuing our series of Conservation Heroes blogs are Resit Akçakaya, Dr Alexine Keuroghlian and Grahame Webb, whose work focuses on aspects of conservation that are not normally considered to…
24 Jul 2012 | Article
Innovative insurance scheme saves snow leopards
In the rocky Himalayan Mountains of Baltistan, of northern Pakistan, the elusive and beautiful snow leopard (Panthera uncial) is in a battle for survival.
10 Jul 2012 | Article
Pakistan's national animal makes a come-back
The SOS-Save our Species-supported project implemented by IUCN Member the Wildlife Conservation Society (WCS) in Gilgit-Baltistan,Pakistan, is proud to report a remarkable rebound in the markhor…
07 Jul 2012 | News story
Swimming across the Mediterranean and the Black Seas
New report by experts on the status of seals, sea turtles, porpoises, dolphins and whales now available | French | Spanish
04 Jul 2012 | International news release
Baby born at the Sumatran Rhino Sanctuary
The birth of a Sumatran Rhino in Indonesia, just a few weeks after the start of The International Year of the Rhino, has given extra hopefor the conservationofthis threatened species.
28 Jun 2012 | News story
Experts report highest elephant poaching and ivory smuggling rates in a decade
Elephant poaching levels are the worst in a decade and recorded ivory seizures are at their highest levels since 1989, according to a report published today by the Convention on International Trade…
22 Jun 2012 | News story
'Rhino under threat' film premiere in Rio
The United Nations TV (UNTV), and the Secretariat of the Convention on International Trade in Endangered Species of Wild Fauna and Flora (CITES) launched today at Rio + 20 the film Rhino under…
18 Jun 2012 | Article
A Triumph for Species in the 2012 Rolex Awards Laureate Selection
The 2012 Rolex Awards for Enterprise, announced yesterday at the Science Museum in London, UK, recognize pioneers whose work contributes to protecting the environment, or improving lives. Three of…
14 Jun 2012 | News story


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'Bones' Final Season Is Pushed to Midseason. Find Out the Replacement
- 11:07 AM, May 21
The Second Season Premiere of Portlandia
Photo credit: Ivan Nikolov / WENN
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As the year comes to an end, we'd like to thank everyone for their support of Lion Brand; we look forward to sharing more new patterns, yarns, and ideas with you in 2012. It's time to throw on your party hat and celebrate all of your hard work and energy that went into yarncrafting this year- here's to completing those WIPs (Work in Progress) in the new year!
Give your amigurumi pals a miniature knit hat for a celebration, click here for the free pattern.
All of the hats were knit in Martha Stewart CraftsTM/MC Roving Wool.
Listed below are the patterns for most of the amigurumi in the picture:
Knit Fluffy Sheep
Martha Stewart Doll with Poncho and Dog
Amigurumi Octopus
Cupcake and Mini Lion patterns can be found in the book Teeny-Tiny Mochimochi by Anna Hrachovec.
Wishing all of you a Happy New Year! How will you be celebrating?
Posted in Crocheting, Knitting | Comments Off on Get Out Your Party Hats, It's a Celebration! Comments
With 2011 quickly winding down, I've begun prepping my 2012 yarncrafting queue. I've noticed a lot of great trends in stores that are also appearing in knitting and crochet. Here are my 3 favorite trends that I'm adding to my to-do list.
The classic granny square has become fashionable in a very big way. British fashion label House of Holland has embraced the trend with bright 70's colors in tights, jackets, and more. For a modern touch, try more neutral tones, such as those featured in Etsy seller SheepishKnitCrochet's cowl. My favorite thing about granny squares is that they look amazing in any yarn! I made the square in the upper right in Martha Stewart Crafts Alpaca Blend in Parakeet, Green Eucalyptus, and Meadow Green for a tonal look. Get inspired with more than 50 granny square patterns; click here to view them.
Faux fur is perfect for keeping cozy in winter. Of course, neutral accessories are always popular, such as this furry Gap hat (center) and our Cushy Crochet Cowl (right). This season, fur is taking on bright, bold shades, including this pink Paula Lishman shrug. Try using Luxe Fur for a plush look, or use Fun Fur or Martha Stewart Crafts Glitter Eyelash for an exciting pop of color.
Traditional stripes are always in style, and a new wave of slowly shifting striped yarns has modernized this classic look. This trend is especially popular in sweaters, pictured here from British brand House of Fraser (left) and popular American retailer Urban Outfitters (right). Yarns like Amazing (pictured center in the Knit Shapely Stripes Pullover), Tweed Stripes, Homespun, and Vanna's Colors create this bold color effect without having to change skeins.
What trends have you noticed for the upcoming year? What are you adding to your to-do list? Let us know in the comments!
Posted in Crocheting, Did You Know . . . ?, Fashion & Style, Knitting | 17 Comments » Comments
The holidays have past, but crafting for charity is a great way to stay in the spirit of giving.
With so many worthy causes and charities in the world, choosing what to make, which yarn to use and where to donate can be a bit challenging. These tips are are organized to help you find the right project and organization for you. Enjoy making someone wonderful and sharing it with someone in need this winter using the 7 suggestions below.
|Choose the Best Yarn for Your Project
When you donate a project to charity, make sure it is easy to care for. It's a good idea to use all machine washable and dryable yarn, like Wool-Ease Thick & Quick or Vanna's Choice. But if you are using a fiber that needs special care, make sure to check that the group you a donating to can take projects made of that yarn and sew a label for care instructions into your gift. Click here to see our yarn pages with all the care instructions and yardage information.
|Try Our Charity Connection
When you're looking for a group to work with, our online Charity Connection is a user-friendly way to find out what groups are accepting donations, where they are located and what they are hoping to receive. If you know a charity who that is looking for donations, you can register on the Charity Connection quickly and easily to let others know about your project. Click here to visit the Charity Connection page.
|Project to Donate: Prayer Shawls
Making prayer shawls for those in need of support or strength in any way can be a helpful, warm reminder that others care for them in their time of need. Prayer shawl groups or ministries are devoted to making and giving shawls to those in their communities. Find out if there is a prayer shawl ministry in your area, or you can start one yourself with friends. Click here to see the patterns for prayer shawls.
|Project to Donate: Afghans (whole or squares)
If you only have a little time, why not make a block for an afghan? If you're looking for a new stitch to try out or want to develop your knit or crochet skills, use our Stitch Finder to pick out a stitch pattern and then create a block the appropriate size. You can use up your excess stashed yarn making afghan blocks and seam them together yourself, or get help from a group like the Warm Up America! foundation. groups like WUA help knitters and crocheters connect their individual blocks into large masterpieces that can keep others warm. Click here to see W.U.A.'s site on donations. Click here to see pictures of the Lion Brand Yarn Studio's donation drive with W.U.A. this fall.
|Project to Donate: Chemo Caps
Softness and comfort are key for these projects simple, fast-finish projects. These caps warm and comfort patients undergoing chemo therapy, and are often made in cheerful and bright colors to brighten their time in treatment. Many hospitals or cancer centers will accept donations, so be sure to call and see if they are in need. Click here for free knit and crochet patterns for chemo caps
|Project to Donate: Warm Accessories
During the holidays many people donate small accessories to scarf or mitten trees; but just because the holidays have past it doesn't mean donations aren't needed. If you love to make smaller projects, shelters, schools and hospitals are often accepting them during the colder months. Plenty of charities specialize in mittens, scarves, or hats, find a pattern you love to make, and you'll keep a lot of people warm this winter. Click here for patterns for hats, scarves, mittens and accessories.
|Short on Time? Donate Yarn.
While not knitting or crocheting yourself, donating your extra stash is a great way to support children's after school arts clubs, senior center craft groups, and local charity organizations in your area. Arts organizations are often in need of supplies, and sharing your left over yarn with those who have been crocheting for decades or are just learning to knit is a beautiful way to share the crafts you love with others. Many groups donate their projects to charity after they are finished, keeping the cycle of giving going. Click here for help finding a group to donate to, or just call our local schools and charities to ask if they are accepting donations.
Have you made a project for charity? What is your favorite kind of project to donate? Leave a comment to share your story.
Posted in Charity, Community, Pattern Recommendations, Tips & How To | 2 Comments » Comments
Over the past few months, Lion Brand has worked with a few bloggers on yarncrafting projects which require no knitting or crocheting. This was a fun initiative for us because it was great to see what projects come to mind to people when they see a particular yarn. Many people don't know how to knit or crochet but love using yarn in craft projects. So, even if you do know how to knit or crochet, think about the crafting possibilities with yarn without using your hooks or needles- there's so much you can create!
10 Minute No Sew Scarf from According to Kelly
Kelly spotlights our Amazing yarn by wrapping it around multiple times to create a scarf. The self striping colorway in Amazing creates a beautiful unique accessory or garment. After you make one of these, you might be tempted to try another in a different color!
Semi Homemade Mohawk Beanie from This Mama Makes Stuff
Carrie had a different approach to using our Martha Stewart CraftsTM/MC Roving Wool yarn, she mixed and matched colors for some funky cool mohawk beanie caps. Once again, this is a no knit, no crochet, no sew project, check out her tutorial here.
Chunky Yarn Cuff from P.S I Made This
Erica Domesek, fashion forward blogger of P.S. I Made this, featured a D.I.Y tutorial utilizing our Martha Stewart CraftsTM/MC Mambo yarn to create a chunky bracelet. This is a jewelry piece that's sure to make a statement wherever you go. Click here to see how she made this zebra-like cuff.
Holiday Yarn Trees from Recaptured Charm
Lisa from Recaptured Charm took a sophisticated approach to creating yarn trees by crafting them in Silky Twist, Holiday Homespun and Martha Stewart CraftsTM/MC Glitter Eyelash. Her crafted trees have a classic look that can be appreciated year after year. View the rest of her trees and the process here.
Pom Pom Yarn Garland from Little Birdie Secrets
Mandy made some pretty big textured pom poms for her mantle with our textured yarns Silky Twist and Martha Stewart CraftsTM/MC Lofty Wool Blend. This is a great craft for birthdays and other holiday celebrations, and it's a fun craft for the kids as well.
Yarn Art with Children from Make and Takes
Marie wanted to do a craft that was kid friendly so she could create a project with her children; she crafted a festive yarn art piece with Vanna's Choice, Vanna's Glamour and Martha Stewart CraftsTM/MC Glitter Eyelash. Her children crafted creative holiday scenes with yarn as well, check out all of the projects here. Yarn can be used to recreate any kind of scene, just think of it as a unique paint!
Most of you wonderful Lion Brand Notebook readers are knitters and crocheters, but are you ever inspired to you use your yarn without hooks or needles? What kind of projects have you done or are looking forward to trying?
Posted in Community, Crafting | 3 Comments » Comments
My family was blessed to celebrate the 100th birthday of my Mom, Ann (Chanchy) Blumenthal, on November 26th. I share this with you because my Mom is a member of the third generation of the family that owns Lion Brand Yarn Company. From the 1940s to the 1990s, my Mom was active in the business, answering customer letters and phone calls. She served as a trusted advisor to my father, Isidor, the President of Lion Brand from 1958 to 2003, offering her wisdom and ideas on everything from advertising to selecting yarns, colors, and patterns.
I'd like to share some photos from the party.
|Amazing how many different 100th
birthday cards there are!
|The cover of a book of photos
My mother received a letter from President Obama congratulating her on her birthday. I also wrote a letter on Lion Brand stationery thanking her for her service to our company and signed it with my titles: President, CEO, and Son.
As a member of the fourth generation of our family-owned and operated business, my Mom continues to inspire me.
Posted in Lion Staff | 27 Comments » Comments


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OFF TOPIC. An e-commerce store plugin. Questions *specific* for this plugin are off-topic.
WooCommerce is an open source eCommerce plugin available for wordpress. It enables you to freely sell products from your WordPress site. WooCommerce is enterprise-level quality and is built in php and mysql. The plugin goes hand in hand with WooThemes, a commercial marketplace for selling themes and plugins for WordPress.
How to ask for help
When submitting a question please try to provide the System Status Report. This can by found in your WordPress dashboard and going to WooCommerce > System Status. Click on the button that says Get System Report and paste the information provided into your question.
Before submitting a question
- Ensure you have the latest versions of WordPress, your theme and all plugins.
- Check for theme or plugin conflicts. This includes switching to a default WordPress theme such as Twenty Fifteen and disabling all other plugins.
- Keep in mind that StackOverflow is not an official support channel for WooThemes.


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"KALLONI, My Birthplace" Kalloni by dimilag
Kalloni Travel Guide: 0 reviews and 1 photos
I was born in this small town on a hot summer day of August 1974. I love this place. I love this town. Although i have left, the island, for studies and for a carrer i always come back to spend some days with my friends, my relatives and my familly.
In the centre of the island lies the town of Kalloni. The deciding factors for its resent revival as a destination for alternative tourism (walking & birdwatching) is its privileged location at the top of the Gulf of Kalloni, in the middle of a huge fertile plain. The adjacent Salt Pans and Wetlands are providing shelter to many rare species of birds and are a major attraction for nature-lovers.
Originally Kalloni was a small unassuming village however its evolution into a town and a centre of trade and the administration hub of central, west and north Lesvos has been a huge advantage to islanders and visitors alike.
The famed Monastery of Limonos, located just outside of the town, with its priceless archives of books and manuscripts, reflects the historical, cultural and spiritual role it played in the survival of language , culture, history and national identity of Lesvos through the 500 year occupation of the island by the Ottomans.
The coastal extension of Kalloni is Scala Kallonis, a scenic village nestling at the edge of the blue waters of the Gulf.
It has extensive facilities and services at its modern hotel complexes located there. Sampling the famed sea-food appetisers at the seashore tavernas and partying at the night spots along the beach can satisfy the most demanding of travellers.
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SEOUL, Dec. 31 (Yonhap) -- Two provincial banking firms won the bid Tuesday to each buy a regional bank unit of Woori Finance Holdings Co., giving a hand to the government's long-pending sale of South Korea's largest banking group, bank and regulatory sources said.
The state-run Korea Deposit Insurance Corp. (KDIC), the controlling shareholder of Woori Finance, picked Busan-based BS Financial Group Inc. as the preferred bidder for Kyongnam Bank, and JB Financial Group Co., based in the southern city of Gwangju, for Kwangju Bank.
The Financial Services Commission (FSC), the financial regulator in charge of the Woori sale, and the KDIC did not disclose details on the financial terms, but government officials familiar with the matter said BS Financial offered 1.2 trillion won (US$1.13 billion) and JB Financial 500 billion won for each bank.
Kyongnam Bank and Kwangju Bank are one of the three batches the government has grouped together to divest Woori, worth 428.6 trillion won as of September, in its fourth attempt to place the banking giant in private hands.
The FSC said in late June it will sell Woori's 14 affiliates in parcels -- the two regional banks, brokerage unit Woori Investment


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Vt. Health Dept. to study EEE in affected zoneThe Associated Press | April 09,2013BURLINGTON — The Vermont Health Department is asking for volunteers from three Addison County towns near where the mosquito-borne disease Eastern Equine Encephalitis killed two people last year.
The study of volunteers from Brandon, Sudbury and Whiting is to determine how many people are infected with the virus that causes EEE, but have not gotten seriously ill. The blood tests would detect antibodies to the virus.
The first clinic will be April 23 at the Brandon Senior Center. On May 14 a clinic will be held at the Sudbury Town Hall and on May 29 at the Whiting Town Hall.
The two Vermonters who died from EEE lived in areas where mosquitoes had tested positive for the virus.MORE IN This Just InWASHINGTON Many of Americas young adults appear to be in no hurry to move out of their old... Full StoryBENSON The town will not return to the days of having a reputation of being the wild west of... Full StoryMIDDLEBURY Commuters are advised of nighttime road closures tonight and Thursday. Full Story
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All Ben Jacques-Maynes
Ben Jacques-Maynes 'on the upswing' at Utah
- By James Raia
- Published Aug. 4, 2015
Community rallies to support injured Ben Jacques-Maynes
- By Spencer Powlison
- Published May. 19, 2015
In only 10 hours, a Go Fund Me page raises over $10,000 to help Ben Jacques-Maynes pay for dental bills after Amgen Tour crash
Pro Bike Gallery: Ben Jacques-Maynes' Jamis Xenith
- By Logan VonBokel
- Published May. 12, 2015
Although Jacques-Maynes is out of the race after a Monday crash, here's a look at the special 10th anniversary bike made for the Amgen Tour
Late-race California crash proves costly for Jacques-Maynes, Barguil
- By Neal Rogers
- Published May. 11, 2015
- Updated May. 11, 2015 at 9:31 PM EDT
A late crash at the Amgen Tour of California saw Ben Jacques-Maynes leave the race in an ambulance, while Giant's Warren Barguil was able
Ben Jacques-Maynes, the reluctant king of Colorado's mountains
- By Spencer Powlison
- Published Aug. 24, 2014
"This is really hard work ... I won't shirk away, but I wouldn't recommend it," said the USA Pro Challenge KOM winner
Viviani wins Pro Challenge stage 4, thwarting Voigt's solo heroics
- By Spencer Powlison
- Published Aug. 21, 2014
- Updated Oct. 31, 2014 at 6:13 PM EDT
Jens Voigt rocked the Garden of the Gods with a 27-mile solo attack — nearly long enough for the 42-year-old to survive for a win
Domestic Intel: Squire, Brenes join Jamis for 2014
- By VeloNews.com
- Published Oct. 22, 2013
Amaran, Jacques-Maynes, Cooke, and Haedo set to return for next season
Domestic Intel: Jamis launches cyclocross team
- By VeloNews.com
- Published Aug. 14, 2013
- Updated Nov. 5, 2013 at 5:19 PM EDT
News about the upcoming cyclocross season and the recently completed Pro UET series highlight today's domestic cycling update
At Amgen Tour, Bissell attacks at every chance
- By Matthew Beaudin
- Published May. 15, 2012
- Updated May. 18, 2012 at 10:28 AM EDT
Lest the team be forgotten, Ben Jacques-Maynes and Jeremy Vennell lead a Bissell squad that is always on the attack in California
Video: Jacques-Maynes pleased that his legs came around on home turf
- By VeloNews.com
- Published May. 15, 2012
- Updated Nov. 2, 2013 at 5:35 PM EDT
Ben Jacques-Maynes talks about the emotions of taking the most aggressive rider jersey and racing on his home turf


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We were happy to hear over the 4th of July weekend that we were named Grand National Champion at the United States Open Beer Championships by winning three gold and five silver medals. We are honored to win this award for the second time in three years and congratulate all of our fellow brewers who also brought home the hardware.
And the winning beers are:
Cascade Ale – SILVER (Golden or Blonde Ale)
Twilight Ale – SILVER (English Summer Ale)
Mirror Pond Pale Ale – GOLD (English Pale Ale)
Hop Henge Experimental IPA – GOLD (Imperial IPA)
Black Butte Porter – SILVER (Porter)
Obsidian Stout – GOLD (Stout)
The Abyss – SILVER (Imperial Stout)
Green Lakes Organic Ale – SILVER (Best of Show Organic)


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Though many Cornbread Mixes today include wheat flour for added stability, historically, cornbread has been made minus the wheat. In fact, the widespread popularity of traditional cornbread throughout the years was in many ways founded on the absence of wheat flour in the recipe. That's because wheat was more expensive than cornmeal, which made no-wheat cornbread a more cost effective option for people on tight budgets. These days, the added cost of wheat is not so much an issue. However, people have discovered...Read More
Jack had his magic beans... the ones he got from the old man for the cow he was supposed to sell... beans his mother eventually threw out the window (furious Jack hadn't sold the cow), landing them in the dirt to sprout that behemoth beanstalk... beans that ultimately led Jack to the giant's castle in the sky and to the sack of gold he stole for a happy ending. Now, Joe has Magic Beans, too! We got ours from...Read More
For a few years (2007-2012) the Ghost chili was classified as the world's hottest chili pepper, with an average of more than 1,000,000 Scoville heat units—that's about 417 times hotter than the average jalapeño! And while it has been knocked to third place (Carolina Reaper and Trinidad Moruga Scorpion in first and second, respectively), it still packs a ghostly punch. When something this spicy comes along, our first instinct is almost always how...Read More
We used to carry Trader Joe's Cinnamon Almonds. The tag line on the bag read, "an irresistible snack." These nuts were, in fact, quite irresistible to many people! But all along, we never felt quite settled on the flavor profile. The ratio of crunchy coating-to-almonds seemed a little off. We located a new supplier and took the opportunity to play with the recipe and try to get it just right. One would think this would be easy with only...Read More
Kits are king. They contain everything you need to get something done. Sewing kit? Mend a sweater. Shaving kit? Shave your face. First Aid kit? Fix the cut you got from shaving your face. What about a Salad kit? How about: Eat a salad. We call our Broccoli & Kale Slaw a Complete Kit, because it has everything you'll need to make a fresh, cruciferous salad. We've done the hard work for you, shredding broccoli stalks, kale and radicchio to create the crunchy slaw base. Our Kit also includes...Read More
In Spanish, salsa simply means "sauce," but English speakers have adopted the term to reference a spicy, Mexican-style condiment used for dipping. Maybe that's the kind of salsa you're thinking of when you hear about our Fall Harvest Salsa—you're probably thinking: tomatoes, onions, jalapeños; diced and mixed, ready for chip dipping. You'd only be partly right! Take your North American idea of salsa and move it north and east, to New England. Now flip the...Read More
Trader Joe's has become known for our great selection of coffees. We've got beans to brew from around the world, and coffee for every occasion. Our Pumpkin Spice Coffee Cups are well suited for autumnal occasions, especially those moments when you don't need a whole pot. Like our Medium Roast Coffee Cups, our French Roast Coffee Cups, and our Coffee Cup Quintet, these Pumpkin Spice Coffee Cups are made expressly for your Keurig K-Cup® Coffee Maker. Little single serving pods that fit in your Keurig are filled with...Read More
Croquet and croquette are delightful almost homonyms. One is that game with wooden mallets and balls and hoops played on the lawn. The other simply requires an appetite and a fork. While we're definitely good for a game or two, let's talk about the less complicated, tastier one. Come to think of it, you might not even need the fork. Trader Joe's Salmon Croquettes are carefully packed and pressed into deliciously shareable hors d'oeuvres, so just your appetite might suffice. Made in Thailand, this product includes components of...Read More
What makes good yogurt? Good milk is the answer. What makes good milk? Milk that comes from 100% grass fed cows. Our new Organic Cream Top Plain Whole Milk Yogurt is good yogurt that comes from good milk—which makes it great! But there's more. Not only do our milk cows graze exclusively on grass (they are fed no grains), the grass they eat is 100% organically farmed. Keeping with the theme, our milk cows are also never...Read More


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Product Overview
Loads of space to play with. If you're after a big fridge that's going to give you a lot of space, the SIAA12S is ideal. It's really tall at 175cm and holds an impressive 348 litres of space, so it's big enough for a larger family's weekly food shop. It looks good too in silver, which makes a nice change from standard white, and it comes with an A+ rating for energy efficiency too. That means that it'll only cost you about £18 a year to run.
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Government spending and debt are emerging as a campaign tug-of-war.
Republican Mitt Romney blames President Barack Obama for a "prairie fire of debt." Obama calls the charge a "cowpie of distortion." Both candidates are reaching for unaligned, independent voters anxious about who's going to get stuck with the bill.
Spending and debt now rank as high on the worry scale as lack of jobs. And it has direct appeal to independents who could decide the election in about a half-dozen states being heavily contested by both campaigns.
Obama has taken a populist tone on reforming Wall Street and taxing corporations and the wealthy. But his defensive crouch on debt and spending reflect a hard reality: Polls consistently show voters, including independents, placing more trust in Romney to handle the debt.


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Britney Spears has given birth to a baby boy.
The news, which began circulating Wednesday afternoon, was confirmed by a posting on the singer's Web site early Thursday morning (September 15) that said, "It's a boy!
"We are ecstatic to announce the birth of our son," read the posting, which was signed by both Spears and her husband, Kevin Federline. "Everyone is happy, healthy and doing wonderful. Thank you all for your love and well wishes!"
Us Weekly had trumpeted the news on Wednesday, citing unidentified sources at UCLA Medical Center in Santa Monica, California, claiming that the singer arrived at the hospital with a police escort shortly before 6 a.m. that day, and was wheeled into delivery just after noon, delivering her son via Caesarean section. (The National Enquirer had reported earlier that day that Spears had gone into labor, but had no further details by the time Us Weekly broke the news.)
The media coverage was raised to a fever pitch as several outlets, including The Associated Press, jumped on the story, citing Us Weekly. Paparazzi staked out the facility, as did news helicopters, all lying in wait for a potential shot of the singer or a member of her family. But it wasn't until Thursday morning when Spears' site and People magazine carried the statement saying it was official.
Just as media outlets rushed to call the birth — almost as if it were an election — now the race is on for any additional details, since the usual elements of a birth announcement were withheld. (Spears' representatives didn't offer comment or further information, referring reporters instead to the minimal statement on the Web site.)
So now the game to find the name is on; Us Weekly, citing unnamed sources, has said it's Preston Michael, while "Access Hollywood" has reported that it's Sean Preston. Meanwhile a source close to Spears told MTV News that the boy's name will be Christian Michael (see "What Should Britney Name Her Baby?").
In the October issue of Elle magazine, Spears said she'd prefer to have a C-section, and if that wasn't an option, "I'll be like, 'Epidural, please!' … I don't want to go through the pain."
Spears announced that she was pregnant in mid-April, posting on her Web site that the time had come "to share our wonderful news that we are expecting our first child together" (see "It's Official: Britney's Pregnant" ). The singer kept her due date under wraps, though her sister, Jamie Lynn, let it slip on her own Web site that it would be in September. After that, her reps alluded to a September date, though they didn't specify exactly when she was due.(Click for photos of Britney's pregnancy.)
The birth marks Spears' first and Federline's third child; Federline already has two children with former girlfriend Shar Jackson: 3-year-old Kori and 1-year-old Kaleb.
MTV News will have more on this breaking story as it develops.
[This story was originally published at 10:57 a.m. ET on 09.15.2005]


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Arizona Cardinals
Cards' defense continues to earn praise
November 29, 2012: Rex Ryan the lastest in a long line to speak highly of the defense
It started Week 1; and it's continued each week thereafter: NFL head coaches praising the Cardinals defense when speaking to the local media on the weekly conference call.
"They're really a problem," Pete Carroll said.
"They're impressive," Joe Philbin said.
"They will hit you," Chan Gailey said.
"They create havoc," Leslie Frazier said.
Call it coachspeak if you want—Bill Belichick rattled off nine different Cardinals defenders during his chat with reporters, but the message is always the same: praise and respect for one of the top defenses in the league.
"You see one of the best units in the National Football League is what you see (on film)," Andy Reid said before the Eagles visited University of Phoenix Stadium. "It's hard to find weaknesses in them."
The Cardinals defense has been one of the few bright spots in a season growing dim with each passing Sunday.
This week the unit was again a hot topic when Jets head coach Rex Ryan held his conference call:
"I look at the Arizona Cardinals, you look at that defense, and it's one of the best defenses in the National Football League and an extremely talented group," he said unsolicited. "To me, you have four or five Pro-Bowl players on that defense. There are two big guys up front with (Darnell) Dockett and (Calais) Campbell, and then you have Patrick Peterson, that might be one of the rarest athletes I think I've ever seen."
It's this kind of talk—from his peers, that has Ray Horton among the top names on the list of future head coach candidates.
Most Popular
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John Clayton, ESPN NFL insider
Friday May 27
Who are the top free agents available in the NFL right now?
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Christian discusses the jump from a small school to the NFL + OTAs so far.
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Mathis talks about joining the Cards, mentoring Humphries + plays against Vince in trivia
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An NFL player with a target on his back... An International NFL survey... And a sneaky tweet... P
Josh Weinfuss - ESPN NFL Nation Cardinals Reporter
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Josh and B-Train talk Cardinals OTA's, national marketability and expectations for Bruce Arians


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June 1, 2016
Scraps of metal are all that is left of a Neshoba County home after authorities say a fire broke out Tuesday afternoon at a home on County Road 325 in the Linwood Community. Arvis Neese says his wife was inside at the time and did not make it out.
"My wife was my life," Neese shares. "We've been together ever since I left the war. We've had a few problems the last couple of weeks, so we were going to give each other a little space."
Neese says he has been living next door with his mother for the last couple of weeks, but tells us he and his wife were trying to work thing out. Now, they will not have a chance to do so.
"That morning, I come down here and we hugged each others neck and said we'll work this out," he recalls. "We've been together too many years."
Neshoba County Sheriff Tommy Waddell says authorities are not releasing the name of the victim until an autopsy has been performed. Meanwhile, Waddell tells us fighting the fire in rainy weather was challenging.
"The conditions were poor," he admits. "They did an outstanding job, but by the time they arrived, the house was fully engulfed."
As for Neese, he says he is not sure how he will go on living without his beloved wife.
"I don't know what I'll do," he says.
Investigators say they are working to determine exactly what started the fire. This as family members of the victim work to make sense of what has happened.
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Given the organic intentions of top dressing products, one would expect to see more marketing themselves as Root Fertilizer packaging does. The overloaded, over-inked and exceedingly synthetic labeling of mainstream gardening blends leaves items like this one looking increasingly genuine.
What this S and Team seems to say is that this one is a compost concoction derived from sustainable sources into a simple and successful mixture. It's the modest yet engaging graphic treatment that enhances the authentic image of Root.
The white paper bag suggests eco-friendly wrapping and with most of the surface left unprinted, one might feel better about recycling or even composting Root Fertilizer packaging. The entire bundle is finally branded with a cute earthy logo of colorful abstract seedlings.
Stats for Burgeoning Plant Food Branding
Trending: Older & Average
Research: 15,905 clicks in 249 w
Interest: 4 minutes
Concept: Root Fertilizer Packaging
Related: 75 examples / 58 photos
Segment: Neutral, 18-35
Comparison Set: 28 similar articles, including: mad monkey branding, inner beauty branding, and sketchy stationery branding.
Burgeoning Plant Food Branding
More Stats +/-
Inner Beauty Branding
Mad Monkey Branding
Sketchy Stationery Branding
Fallen Foliage Branding
Crosswise Coffee Branding
Root Fertilizer Packaging is Naturally Endearing
By: Amelia Roblin - Published: Aug 13, 2011 • References: sandteam.gr & thedieline


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WASHINGTON DC (WUSA) -- I've been combing through the day's Daily Deals emails and retailer websites to find you some deep discounts. Here are some of my favorites.
Marilyn sang '"Diamonds Are a Girl's Best Friend." Buying new "friends" just got cheaper. Gilt City has a couple of deals with Mervis Diamond Importers. One of them, pay $450 and get a store credit of $750, a $300 savings.
You can Zen-Out with this deal from Google Offers. Pay $45 for a pass to 10 Yoga Classes at Bikram Yoga Arlington, normally a $180 value.This is for new students only.
And save over $100 on the Le Creuset Heritage Chef's Oven at Williams-Sonoma. Pay $129.95 for the cast-iron, french cookware that normally goes for $240.
If you have an offer you've seen or if you are a local merchant, post them on Jessica Doyle's Facebook wall. (DISCLAIMER: WUSA-TV is not responsible for highlighted deals selling out in stores or on retailer websites. Customer problems with deal sites and merchants must be addressed directly with those parties.)


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English Peas
Fresh english peas are rich in vitamin A and vitamin B (particularly folic acid), calcium, iron, zinc, and potassium -
Native to western Asia, cultivated cherries are the descendants of two wild species, Prunus avium, ancestor of sweet cherries and Prunus cerasus, ancestor of sour cherries.
Japanese Cucumber
Inventory, 10 lbs : 2.50
This item was last sold on : 05/28/16
The Japanese cucumber has several advantages over common cucumbers. It is slender, thin-skinned, void of developed seeds, never bitter and entirely edible. The average harvested length is about four inches, while the cucumber is still young. Its skin is forest green and smooth with longitudinal grooves. The flesh is crisp, crunchy, succulent and tender firm. Its flavors are bright, effervescent and melon-like.
Japanese cucumbers are available year-round.
Current Facts
The Japanese cucumber, AKA Kyuri, is a member of the Cucuritaceae family, one of the most important food plant families, which also includes melons, gourds, squashes and pumpkins. Japanese cucumbers are the fruit of a trailing and climbing plant yet they are often referred to as a vegetable and utilized as such. They contain 96 percent water and their flesh can be up to 20 degrees cooler than their skin, a technical trademark that is quintessential to the fruits growth and survival in hot climates. There are three classifications of cucumbers: slicing, burpless and pickling. Japanese cucumbers are one of the zenith varieties of burpless cucumbers, though they can be used for slicing and pickling too. Though they are simply marketed as Japanese cucumbers, there are dozens of cultivars, heirloom and hybrid, short and long with names such as Satsuki and Soyu.
Japanese cucumbers are a versatile cucumber for culinary use. They can replace any cucumber in any recipe and achieve the same desired results. They are excellent for simply fresh eating whole or sliced, as a salad, crudite and sandwich ingredient. They are often pickled, utilizing an ancient pickling method called Shiozuke, meaning salt pickle, but they can also be quick pickled and eaten within 24 hours. Japanese cucumbers are a great cooling ingredient, utilized to contrast spicy and hot foods. They are also best used fresh when in-season as an ingredient in summer recipes. Classic preparations include gazpacho, ceviche, sushi, sashimi and bento. Cucumbers pair well with sweet, savory and spicy ingredients within a wide spectrum of cuisines. Best companion ingredients include tomatoes, citrus, rice, raw seafood, cured and smoked fish, melons, yogurt, chiles, pepper and mint.
Cucumbers are descendents of the wild cucumber, Cucumis hardwickii, native to the foothill regions of the Himalayas. The first cultivated varieties evolved out of ancient Egypt and areas within the Fertile Crescent. Early Japanese cucumber varieties were developed from cultivated varieties from China and most often preserved through pickling to sustain communities throughout the calendar year. Modern cultivars have been developed and bred for open field cropping and greenhouse growing. Open field Japanese cucumbers are planted on rotation with lettuce, tomatoes and bedding vegetables. Greenhouse cucumbers create the opportunity for year-round fresh market crops.
Featured Restaurants
Restaurants currently purchasing this product as an ingredient for their menu.
|Sushi Ota
|San Diego CA
|Empire House Urban Palate
|San Diego CA
|Izakaya Pacific Beach
|San Diego CA
|Brooklyn Girl
|San Diego CA
Recipe Ideas
Recipes that include Japanese Cucumber. One is easiest, three is harder.
|Umami Girl
|House Special Roll
|Rambling Spoon
|Chinese Smashed Cucumbers
Recently Spotted
People have spotted Japanese Cucumber using the Specialty Produce app for iPhone and Android.
Produce Spotting allows you to share your produce discoveries with your neighbors and the world! Is your market carrying green dragon apples? Is a chef doing things with shaved fennel that are out of this world? Pinpoint your location annonymously through the Specialty Produce App and let others know about unique flavors that are around them.
Santa Monica Farmers Market
Kong Thao FarmNear Santa Monica, California, United States
About 28 days ago, 5/04/16
Spotter's comments : Japanese Cucumbers spotted at Santa Monica Farmers Market.
Little Italy Mercato
J.R.Near San Diego, California, United States
J.R. Organics
About 172 days ago, 12/12/15
Spotter's comments : Japanese Cucumbers spotted at Little Italy Mercato.
Hillcrest Farmers Market Near San Diego, California, United States
About 199 days ago, 11/15/15
Spotter's comments : Japanese Cucumbers spotted at Hillcrest Farmers Market.
Meidi-Ya Supermarket Near Singapore, Singapore
About 501 days ago, 1/16/15
Spotter's comments : Japanese Cucumbers spotted at Meidi-Ya Supermarket. Grown in Japan..
Meidi-Ya Supermarket Near Singapore, Singapore
About 502 days ago, 1/15/15
Spotter's comments : grown in Malaysia...
Little Italy Mercato
J.R. OrganicsNear San Diego, California, United States
31030 Rodriguez Road, Escondido 92026
(760) 453-4144
About 704 days ago, 6/28/14
Spotter's comments : Japanese Cucumbers spotted at Little Italy Mercato.


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Tips to win buy-in for your BPM project
Delaney Turner 270003RQ8K email@example.com |
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In my last session at IBM Impact, Sean Perry of Financial Services company CUNA Mutual Group in a session entitled The Art of Assessment: Techniques for Gaining Lasting Business Buy-in Before Starting a BPM Project.
In the first three years of BPM experience with CUNA Mutual Group, his staff of precisely 2.2 individuals have implemented an impressive 14 projects spanning some 35 business processes. Over that time the projects have resulted in a bevvy of substantial business benefits.
For example: between 2012 and 2013, Perry's team saved 20,000 FTE hours (thus reducing call volume complaints and rework) and cut 30 days out of the cycle time across four distinct business domains. In 2014, Perry is projecting $500K in savings from reduced effort, $2.2M additional revenue and BPM projects operating across three more domains.
Results like these don't come without the buy-in and input of many stakeholder groups. Further, they inevitably educate their participants in a better way to do things, which Perry was happy to share.
Common problems
BPM projects are not immune to the challenges common to most large-scale software implementations. Perry outlined the most common ones in the familiar phases: before, during and after.
Perry's team had seen these issues play out at CUNA in two separate projects:
The first was utility. After months of ramp-up time and loads of rework, the process owners still couldn't identify the rationale for the project. "If the biggest benefit of the project is that people are using it, then that's not enough," said Perry. "All you've done is add software."
The second was the search for perfection. Now three years in development, another project has suffered from inconsistent support. The result? "An endless cycle of wait...rush...crisis...refine...wait."
Happily, Perry's team was able to overcome these issues in subsequent projects to arrive at a mature, repeatable and immensely valuable framework.
It starts with a simple Assessment: a time-boxed research of the business process that identifies the business improvements and generates relatively confident estimates of benefits and cost/efforts to realize them. To wit:
From Assessment to Approach
Perry then outlined the three key factors to a successful BPM approach: Engagement, Accountability, Goal-driven Metrics. Thus:
Engagement (i.e. We want to do this): All stakeholders should feel a compelling reason to be involved; benefits should drive them towards greater involvement. Attributes include:
Accountability (We must do this): All stakeholders must be held accountable for success; the project isn't successful if the business doesn't gain. Atttributes include
Goal-driven Metrics (We did this!): All benefits must be quantified. "That's the beauty of BPM," said Perry. "It enables the capture and analysis of true metrics." Keep in mind:
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Cyclist recovering following crashSeptember 17,2013BURLINGTON — A Moretown cyclist is in fair condition after he was struck by a car in Shoreham.
Martin Viet, 35, was listed in fair condition Monday night, according to a spokesman from Fletcher Allen Medical Center.
Viet was one of several bicyclists who had been participating in "Tour De Farm," a 30-mile ride on Sunday morning, when they were hit by a car on Route 74.
Police said Veit suffered head and internal injuries after he went through the windshield. A 15-year-old girl from Williamstown, Mass., suffered a fractured pelvis.
Police have arrested the driver, 54-year-old Brian Miller of Shoreham.
State Police say there was already a warrant out for Miller after he failed to appear for an unrelated DUI charge.MORE IN This Just InAnti-refugee activists are hosting a speaker at the Rutland Free Library tonight. Full StoryA Clarendon man pleaded innocent to his fourth DUI charge and a related charge in Rutland... Full StoryMan denies
exposing self
A Rutland man who was arrested Saturday night after... Full Story
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Nice to meet you here at our free ringtones website, where you can download the most popular ringtones for your mobile. Today we have a ringtone of "Midnight" by Bar 9 as well as 54 other ringtones by Bar 9. "Midnight" is a hit from the "Bar 9 in da mix" album that was made by Bar 9 at their recording studio together with other 6 tracks. You can listen to all 4 Bar 9 – "Midnight" ringtone variations available here and download it for free in a click. You can also explore other 2 albums produced by Bar 9 for all time. "Midnight" is referred to Dubstep, and we can offer you a huge amount of Dubstep videos absolutely for free. And finally, we have collected lyrics for this track and you can view it here as well. So feel free to browse, listen, download ringtones at Audiko.net. Make your phone sound cool!
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Wow, this drawing really tells a story without a single word .. fantastic design on Mr.Clueless A.I here ^_^
This gives a really eerie insight as to what AI could be like. Fantastic work!
oh god, this is beautiful. I really want to read a story about this image!
This is amazing! ! ! ! ! ! ! ! ! ! ! ! ! ! ! ! ! ! Seriously, Thank You for drawing this!
Love how this challenges you to make up your own story! Especially how the prototype has such a curious/placid look, you don't know whether there was a sudden violent outburst or it is simply faced with it's own mortality...
nice very cool
You captured it, very difficult to convey but you did an amazing job. Please do more.
Wait, so, did he kill him intentionally, or was it like a heart attack and he (it) feels guilty? Because I figure if it was machine murder that intern/scientist would be a little more wary of the giant murderous robot.
Killed him over a lost game of chess!
amazing cropping, this is such a good piece (stary eyed gazing at your work)
I love how simple it is. Really effective!
Subtle, powerful. Nice.
love the effect you did with the mirror
This is just amazing!
Oh my god.
This is marvellous.
This is marvellous.
Bad loser lol
As I posted on your team's website (Outland Collective), this is tremendous storytelling, and I'd definitely look forward to seeing a full graphic novel developed (perhaps without words? ooooooh!). Intricate, clean lines, perfect color system, and the mirror tells the whole story! Wonderful, Gael!
I really like those concepts with mirror angle. Even more when it's well executed ^^


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IPO was at $10 you doofus. Can you get anything right on your pumps??
I think he was referring to it's increase up to $15.00 after the original IPO .
Sentiment: Strong Buy
Uhhh no, no he wasn't. The idiot's posts are full of incorrect information constantly. How do you change "This IPO was $15 not long ago" to mean something else? Have fun following this guys advice.


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Question about 2000 Toyota Land Cruiser
How do I tighten fan belt on a toyota landcruiser 1HD-FTE
Posted by jduyker on
SOURCE: i need manual or diagram
Haynes or chiltons repair manual - auto parts store or local library
Alternatively your local toyota dealer customer service (parts dept) could hook you up - just ask nicely.
Best regards
Posted on Aug 18, 2011
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- GhanaRetailFunding via ID Ghana
Nkome Nfa 1...GhanaFoodFunding via ID Ghana
Greda Trade...GhanaFoodFunding via ID Ghana
Mandzaano Group
Their long-time involvement in this group has allowed them to develop a spirit of oneness which has enabled them to face many situations. The group members work for the most part in small-scale commerce.
George is the featured borrower of the group. He is 36 years old, married, and a father of three children.
George is very involved in the sale of fishing nets and fishing ropes. He buys from the market and sells them to the fishermen, he is fisherman himself.
With this loan, he is going to buy more fishing nets and ropes to sell to his colleague fishermen.
Earnings from this business will allow him to save and to actively take care of her family's expenses related to health, food, and his children.
Additional Information
About ID GhanaID Ghana is a microfinance NGO that provides financial and social services to underserved urban communities in Accra. ID Ghana's socially-oriented business model provides clients with a number of social services, including financial literacy training, group discussions led by peer educators on health and nutrition education, child schooling, basic medical services, and counseling and legal services for women victims of violence.
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 Ghana
24View loans »
Success!! The loan was 100% repaid
- Repayment Term
- 8 months (Additional Information)
- Repayment Schedule
- Monthly
- Pre-Disbursed:
- Jul 3, 2014
- Listed
- Jul 21, 2014
- Currency Exchange Loss:
- Possible
- Ended:
- Feb 17, 2015


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Cosy Studio in Historic Centre
Size15 m²
Floor No.2(with elevator)
- Kitchen
- Washer/dryer
- Smoking allowed
- Elevator in building
- Internet/WiFi
- Family/child friendly
- Lockable room
|Place Garibaldi, 06300 Nice, France
|Property type
|Property ID
|Acceptance rate
|Response time
|A few hours
|Calendar updated
Compact and well furnished, the living area features a double sofa bed and a flat screen TV. Guests will find a comfortable single bed on the mezzanine level, and the the modern kitchenette is well-equipped.
Surrounded by stunning architecture and historic monuments, this charming studio is perfectly located for any tourist wishing to see all that Nice has to offer. The Natural History Museum, the National Theatre and the Museum of Modern and Contemporary Art are all less than one minute walk away.
The beach is less than a 10-minute walk away, and the Garibaldi Square features a wide variety of shops, cafes and delicious restaurants. Guests will find a supermarket nearby, and the nearest transport stops are on your doorstep.
** Late Check-ins till midnight and check-ins on sunday **
We are not available to receive guests after 8pm from monday till saturday or on sunday the whole day. Nevertheless, we can send a trusted contact person that will ask you on arrival an aditionnal fee of 20 euros.
|Check-in after
|Check-in before
|On arrangement
|Check-out before
|Cancellation Policy
The studio was perfectly clean and well equipped with everything we needed. Everything was new and in good condition. The studio is well situated near the tramway station and walking distance from the centre of Nice and Vieux Nice.
Salvatore was very friendly and flexible about our late night arrival and early departure which was much appreciated. I would recommend this accommodation for a visit to Nice.
We are satisfied! The apartment is minimal, the sofa bed is not very comfortable and there is noise of traffic and nightlife in the square outside. But the location is perfect. With earplugs and a little patience in the cramped space, it's good value for money!
Vi är nöjda! Lägenheten är minimal, bäddsoffan inte särskilt skön och det bullrar av trafik och nattliv på torget utanför. Men läget är perfekt. Med öronproppar och lite tålamod på det trånga utrymmet, är det bra valuta för pengarna!
Good location. Studios are relatively ringhörig. But neighbors were quiet. Salvatore was very friendly.
Gute Lage. Studios sind relativ ringhörig. Aber Nachbarn waren ruhig. Salvatore war sehr freundlich.
Plus: Studio 2 steps from the Promenade des Anglais, close to all amenities, ideal for a weekend for two! Modern decor, no complaints about cleanliness! Very well equipped. Not the least of bed linen and towels provided and a little quilt just for two. But I recommend the studio again!
Le plus : Studio à 2 pas de la Promenade des Anglais, proches de ttes commodités, idéal pour un week-end à deux! Déco moderne, rien à redire sur la propreté! Très bien équipé.
Le moins pas de linge de lit et de toilette fournis et couette un peu juste pour deux.
Mais je recommande ce studio sans hésiter!
beautiful little studio clean tidy and well located close to the old town and all amenities Piazza Garibaldi very nice with all amenities Well received by Salvatore Good quality / price ratio
beau petit studio propre bien agencé et bien situé proche du vieux Nice et de toutes commodités
place Garibaldi très agréable avec toutes commodités
Bien reçue par Salvatore
Bon rapport qualité /prix
We had a great time in nice. We lived four adults in the apartment. The apartment was very clean, light and pretty. It was placed in a very attractive environment; very close to the beach, shopping and restaurants. We could have stayed in the same flat again. The only minus was that the kitchen was a bit short on equipment, and what we missed the most was a coffe maker.
Own charming studio located I am very satisfied with my stay I'll be back very soon ............ pity should be taken not practice sheets with easyjet luggage listening 60 Swiss fr
Studio charmant propre bien situé je suis très satisfaite de mon séjour je vais revenir très bientôt ............Dommage il faut prendre les draps pas pratique avec easyjet le bagage coute 60 fr suisse
We've had a nice stay at the studio from Salvatore. Everything was really close by foot. When we had rain, the studio was spacious enough to comfortably rest an afternoon indoors. If we'd stay another weekend in Nice, we probably would come to the same apartment.
Very smal, but well equiped and clean appartement in the best part of Nice. Excellent service from host Salvatore! Daphne, Amsterdam
A Very nice stay, nice city.The bed was completely demolished, the slats was broken, so were Sleeps null.Salvatore was eager to find a new stick, he also has made but we did not fit as we return to 2 nights should return to the old studio. Nevertheless, we continue to recommend it.
Ein Sehr schönes Aufenthalt,schöne Stadt.Das Bett war komplett demoliert, das Lattenrost war kaputt,also die Schlafmöglichkeiten waren null.Salvatore war sehr bemüht uns eine neue bleibe zu finden ,hat er auch gemacht,hat uns aber nicht gepasst da wir wieder nach 2 Nächten zurück in das alte Studio kehren sollten.
Trotzdem empfehlen wir es weiter.
- Quality assured accommodation
- Every host is verified by telephone
- Secure payment via SSL encryption


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Next Week In Booklists
Notable Dates for the Week of November 22 to November 28
November 22 Tell some Alaskan jokes on Alascattalo Day.
November 23 Fibonacci Day and Doctor Who Day.
November 24 Thanksgiving is celebrated on the same day as D.B. Cooper Day.
November 25 International Day for the Elimination of Violence Against Women Day.
November 26 Al Hijra: The First day of the Islamic New Year is celebrated.
November 27 Bruce Lee was born on this day 71 years ago.


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2015 Session Descriptions
The very best of what's out there will be at Camp Blogaway May 1 – 3, 2015. NO TRACKS means every camper has the opportunity to hear every speaker!
JUST ADDED — When Blogging Gets Personal: The Benefits and Pitfalls – moderated by Dana Levin Shrager (day job psychologist) of Foodie Goes Healthy, with Louise Mellor of Geez Louise and Lana Watkins of Bibberche >> By now, many campers have been blogging for a few years. Your authentic voice has arrived, you're clicking along, building a loyal following… What happens to that rhythm when life "throws you under the bus?" Divorce, disease, death, despair – pretty rough personal stuff can suddenly make that post on Aunt Sally's Best Guacamole Ever feel downright banal (no matter how delicious). Can blogging our hearts out soften the blow? Do followers rally, or jump ship? Is the anonymity of a worldwide audience a comfort, or alienating? Does this thing called a blog have a greater value than our first intention – can it be a lifeline? Hear fellow food bloggers Louise, Lana and Dana open the emotional and very private (yet strangely public!) experiences of blogging through personal crises.
Walking The Tightrope – Q&A with Phil Lempert by Sara O'Donnell of Average Betty >> Phil Lempert is coming to Camp! You've seen his Today Show Food Trends segments for 20+ years. You've watched his Hits and Misses product reviews on Supermarket Guru. An autonomous journalist, Lempert also has countless compensated brand gigs under his belt. Blogger Sara will unearth how he manages it all during an up-close-and-personal Camp Q&A. He'll reveal his methods for managing the delicate balance – and surviving backfires — without compromise. We'll hear how to ethically impact consumer decisions if you're being paid. And… Lempert will give you the other side of the story on early blogger brouhaha as a paid spokesperson.
Visualize Your Food Career (… and the Money, Honey) — Denise Vivaldo >> One of our favorite alumni presenters, Denise Vivaldo gets asked every camp how to build a successful career, run a business and make REAL money. This camp, she's at the podium to tell all – from chef's school through an early catering career to the launch of Food Fanatics, and now the Denise Vivaldo Group, she has hundreds of valuable lessons, favorite tips and personal stories to share. Denise runs one of the country's top food styling agencies with a talented staff. She travels the globe conducting workshops. She's written EIGHT books (and ghost written dozens more). A force of nature, Denise's presentations are always lively, educational, insightful, shocking (those stories are TRUE!) and entertaining as heck.
Get Your Google+ On >> Dr. Jean Layton of Gluten Free Doctor & Sabrina Modelle, The Tomato Tart— Plenty of water has gone under the Google+ bridge since its launch. This powerful marketing platform has become… what, exactly? Some folks sing its praises when it comes to building traffic; others get a headache just talking about it. Doctor Jean and Sabrina are two of our favorite alumni campers and they ROCK Google+. Who better to bring us up-to-speed than blogger peers? The dynamic duo will discuss how it is used now, what are best practices and best features for food bloggers to ramp up their visibility, plus tips, tricks and a whole lot more.
Natural Lighting Photography Workshop and Photo Contest Sponsored by Potandon >> Food photographer and teacher, Christina Peters of MDR Photography Classes will conduct a hands-on natural lighting session to take advantage of Mother Nature's opportunity – the clearest mountain air and some massive lodge windows. Master your camera settings, gain insights into directional light and "bouncing," plus other rules of thumb to capture your best shots in natural light. And the contest? Shoot Potandon's fresh, natural POTATOES at camp. You'll have one week once home to choose your favorite shot, give it any tweaks you choose, and submit to Christina. She'll select 10 semi-finalists and Potandon will select the winner. (Prize info and all details will be included in your Registered Camper packet).
Pin Your Way to Success with a Data-Driven Pinterest Strategy — Maura Wall Hernandez of mom.me and The Other Side of The Tortilla >> Don't think for a sec that it's just luck and a stunning photo that can launch a tsunami of hits to a post. It's STRATEGY, based on know-how. On the surface, Pinterest looks pretty much the same. But Pinterest Pros will tell you… back-end; it's an ever-evolving monster. Alumni camper, Maura blew us out of the water at last camp's breakout session on Pinterest. Her insights, experiences and generous advice (from her Day Job in this biz, campers!) make her our go-to pinning expert. Guaranteed, you'll never post the same way again after Maura's session.
Spokesperson Blunders (aka How NOT To Get Invited Back On The Show) – "My Lazy Sunday Morning or How I Slept Through My Alarm And Got Banned from Fox & Friends for Life" >> Dalyn A. Miller– Congratulations! You've been invited to be a guest on a national talk show. But don't raise those champagne flutes just yet; how you handle your first appearance will determine whether or not you're invited back or even worse, blacklisted for life. Here's Dalyn Miller of Dalyn Miller PR to guide you. With nearly 20 years in public relations and guest bookings on everything from Oprah to Today to Good Morning America, Fox & Friends, 20/20, and even the 700 Club, he's ready to share both horror stories (guests who've been blacklisted) and stories of celebration ( guests who are invited back again and again) and how to become a producer-approved trusted expert in your field.
With time to appreciate your serene surroundings at Camp. Take a Refreshing Hike, chat with newfound friends by the Roaring Fireplace, soak up some California rays on a Quiet Deck, stay up late with peers in our Mountain Lodge, stargaze while soaking in the Bubbly Hot Jacuzzi, socialize during Wine Tasting, and more.


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shelter in Centerville appeared especially compatible with the Hispanic female- headed households, who constituted the majority of the residents of the shelter. The women referred to the nuns as las monjitas (dear sisters) and generally had more patience with the rules of the shelter than did the non-Hispanic residents.
As a final strategy for the study, the research team reassembled for the March 20, 1990, Census Bureau Homeless Count (S-Night). Our goal was to count the homeless independently and then compare our findings with those of the Census Bureau. The comparison was done for people living outside, for shelter residents, and the residents of the hotel. We found that when the census takers visited the shelters and hotel in person, they received a high degree of cooperation from the management and tenants, and that the two counts were comparable. However, the census enumerators found no one on the street. It appeared that without prior relationships with the homeless living outside, there was very little likelihood of finding them. Since the doubled-up population was not to be covered by the S- Night count but by the regular April 1 census, it is difficult to know how many doubled-up people were actually counted.
Two levels of recommendations emerge from this study: recommendations at the federal level for improved methods of census enumeration for the homeless, and recommendations at the federal and local levels for improved strategies for moving people from homelessness to permanent housing.
Recommendation #1. Improve the street-count methodology. Nationwide, it appears that the homeless shelter count was reasonably accurate, due to a generally high degree of cooperation among shelter residents and managers. However, the street count fell short of most estimates. (See Wright 1992 for an excellent collection of articles evaluating the 1990 homeless count.) In Centerville, none of the homeless sleeping outside were counted.
The 1991 census in India contrasted with the U.S. census count of the homeless. The U.S. relies on sending out enumerators with no prior relationship with the persons being counted, in the dead of night. In contrast, India required that enumerators spend three weeks learning all the places the homeless ("houseless," in India) sleep within that enumerator's designated area of housed and non-housed residents. As in the United States, the homeless were counted at night, when they had bedded down on the pavement. The key difference was in the amount of preparation and knowledge of the homeless that the enumerator had. (See Glasser


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David's Tea!!! + amazing OXO lemon rinder.
Homemade chocolate brownie granola Yum!
Love the pop of colour in these dining rooms!
Yummy Strawberry Thumbprint cookies.
Hiking in the summer!
"Favorite Blog of 2015" - VegNews Magazine
"Favorite Blog of 2014" - VegNews Magazine
"Favorite Cookbook 2014" - VegNews Magazine
"Best Cookbook 2014" - Toronto Veg Food Fest
"Best Health Cooking Blog" - 2014 The Kitchn's 'Homies' Awards
"Best Blog" - VegNews 2012 Veggie Awards
"Best Health and Wellness Blog" - The Bloggies
"Best Overall Blog" - Foodbuzz
"Best Veg Blog" - Foodbuzz
"Hot 20 Under 30" - Chatelaine Women of the Year
"Best Health Blog" - Best Health Magazine
"Top 3 Finalist" - Foodbuzz Project Food Blog
For more awards, nominations, and interviews, please see my press page.
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Minty: A Story of Young Harriet Tubman
|Demonstrate an understanding of the story's plot and characters.
|Define the term [genre] and name at least three different types of literary genres.
|Demonstrate analytical thinking by deducing information about the story from its illustrations.
This story allows you to introduce several new concepts to your students, while opening the doors of history for student inspection. Jerry Pinkney's award-winning illustrations also provide the opportunity for students to practice deduction and analytical thought. As historical fiction, this book is an excellent springboard for introducing literary genres to the class. It also provides you with an opportunity to introduce the real-life character of Harriet Tubman to your students.


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"A Zoo and a Whole Lot More" Brookfield by riorich55
Brookfield Travel Guide: 7 reviews and 56 photos
I periodically ride through Brookfield on the train on my way to and from Naperville and downtown Chicago. There are a couple of train stops if you take the local. The one called Hollywood is actually the Brookfield Zoo stop which is about a 10 minute walk away. Most people are familiar with Brookfield though its famous Chicago area zoo which was opened back in 1934 on land donated by Edith Rockefeller McCormick in 1919. The zoo is actually called the Chicago Zoological Park and I have visited many times since I was a kid when my parents took my sister and I there and more recently when my wife and I took our 4 little kids there. I guess we will soon enter the 3rd Brookfield Zoo phase of our lives when our kids start having kids of their own and we can get back as grandparents.
We haven't visited the Zoo in probably 20 years, but during the summer of 2013 with my new found passion for photography, I am planning to get a limited membership pass so I can go and take numerous pictures of and animals and people who visit.
Now a little bit of history, both of the village itself and another connection to Brookfield from the past.
Going back to the time of Abraham Lincoln when Illinois was in its infancy the area was mostly covered by prairie grasses, forests, and farms and large portions of the area were inhabited by the native Americans.
The settlement of the village dates to 1889 when Samuel Eberly Gross, a Chicago lawyer turned real estate investor, began selling building lots platted from farms and woodlands he had acquired along both sides of the Chicago, Burlington & Quincy Railroad line, which provided passenger and freight service between Chicago and Aurora, Illinois.
The first two buildings Gross erected were a train station south of the tracks at what is now Prairie Avenue, and a pavilion across the tracks. The original train station was moved across the tracks and a few hundred feet east in 1981, and is now the home of the village's historical society and museum, as well as listed on the National Register of Historic Places.
Gross later added 2 more subdivisions. Hollywood in 1893 (the Zoo Stop) and West Grossdale in 1895. The village was actually incorporated as the village of Grossdale in 1893. The name was changed in 1905 after residents became displeased with Gross, whose personal life and fortune had floundered. A contest to choose a new name yielded "Brookfield" in respect for Salt Creek, which runs through the area.
In 1920, the old Plank Toll Road, now called Ogden Avenue (US Hwy 34), which also runs through my hometown of Naperville was paved, providing easy automobile access to and from Chicago.
Going back to the Brookfield Zoo side of the story. When my sister and I were younger we lived with our parents in the nearby suburb of Berwyn. One of my mom's best friends from high school and her husband lived in Brookfield on Prairie Avenue on the west side of Salt Creek. (The western boundary of the zoo ends at Salt Creek. We would often visit them during the summers at their house and many times walk over to the zoo back in the days when the zoo was free (at least I think it was free, but as a kid I obviously paid no attention). We also would spend most New Years Days or Eves with this family which eventually grew to 5 kids (4 girls and 1 boy).
On my recent photography tour through Brookfield in early April, 2013 I drove my car to the area. Parked for free at the Hollywood Zoo train stop and walked over to the South Entrance to the Zoo (the main entrance is the North Entrance). I inquired about the passes and didn't buy one this day, but will later on this year.
I then walked throughout the town, passing the house where my mom's friends used to live and discovered the small downtown that I had never visited buy had briefly seen as the train zoomed on by.
- In a nutshell:More Than Just the Zoo
Reviews (4)
One of 2 zoos in the Chicago area I grew up only about 5 miles from this one and my parents have pictures and videos of... more travel advice
On my photography tour of Brookfield I eventually got to the downtown area which I had really only seen before out the... more travel advice
I find it kind of interesting to walk through towns and discover a little bit about each area. On my couple of hour self... more travel advice
One of the suburbs, that if you are visiting downtown Chicago and want to do a day trip away from the city you can hop... more travel advice
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Calendar of Events
Sharing Down Syndrome Arizona
Night at the Ballpark!
Diamondbacks Night against San Francisco Giants
Saturday, Jul 18, 2015.
The Arizona Diamondbacks are excited to host Sharing Down Syndrome Arizona at Chase Field! Come help us "Celebrate Down Syndrome" on July 18th! To purchase tickets, copy and paste the following D-backs link:
$35 for Lower Level, Baseline Reserve $17 for Upper Level, Infield Reserve. If you have any questions, please contact Matt Bodmer at email@example.com or 602-462-4206.


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Ripped Fuel Xtenter
Dietary supplement. Extend the burn. Stay ripped longer. There's more to staying lean, defined and ripped than you might think. Biology can play a significant role. In fact, after initial weight loss your body can actually work against you, slowing metabolism and making it harder to keep weight off. Also, your body can adapt to many thermogenic weight loss products, reducing the thermogenic effect over time. Clinically-shown to maintain full thermogenic effect for at least 8 weeks after initial weight loss, Ripped Fuel Xtender is a unique patent pending formula to counteract your body's natural tendency to keep unhealthy fat. Stay ripped with Ripped Fuel Xtender. Amplifies calorie burn. Extends thermogenesis. Improves the ratio of lean muscle mass. Increases energy to fuel your day. Clinically tested, patent pending combination of ingredients. (These statements have not been evaluated by the Food and Drug Administration. This product is not intended to diagnose, treat, cure, or prevent any disease). The science behind the size. Product: a unique, patent-pending formula clinically shown to maintain full thermogenic effect for at least 8 weeks. Result: helps extend the burn by 1 ) Counteracting your body's natural tendency to keep unhealthy fat. 2) Boosting energy. 3) Extending thermogenesis, and 4) Amplifying calorie burn. Science: After losing weight, your body can actually work against you, slowing metabolism and making it harder to stay ripped. Your body can also adapt to many thermogenic products, reducing their thermogenic effect over time, Ripped Fuel Xtender is clinically-tested to extend the burn by maintaining full thermogenic effect for at least 8 weeks after initial weight loss, improving the ratio of lean muscle mass.
Take 2 tablets 30 minutes before each meal. Do not exceed 2 tablets per serving or 6 tablets per day. Use as part of a low-fat, low-calorie diet and exercise program. Individual results may vary.
Nutrition Facts †Serving Size 2 tablets
Servings Per Container 45
|Amount Per Serving
|Proprietary Blend
|1132 mg
|Proprietary Blends
Proprietary Blend
Green Tea (Leaf) Extract (Standardized to 25% Catechins), L-Tyrosine, Cayenne Fruit, Caffeine.
|*percent Daily Values are based on a 2,000 calorie diet.
Ingredients: Maltodextrin, Cellulose, Stearic Acid, Croscarmellose Sodium, Silica, Sodium Bicarbonate, Citric Acid, Glycerin. Each serving contains 101 mg caffeine alkaloids.
*These statements have not been evaluated by the Food and Drug Administration. This product is not intended to diagnose, treat, cure or prevent any disease.
†Nutritions Facts are a simulation of the product "Nutrition Label". For the actual Nutrition Label please refer to the product packaging.
Do not take if pregnant or nursing, if you have any medical condition or are taking any medication. Not recommended or use by persons under age 18. Consult your physician before use. Contains 101 mg s caffeine. Limit use of other caffeine containing products while taking this product, as too much caffeine may cause nervousness, irritability, sleeplessness and occasionally, rapid heart beat. Keep out of reach of children.


text:
Yang Li
Cropped Cardigan
Product Actions
Yang Li black merino wool cropped cardigan styled with tie at side.
- Fine-gauge knit; rib-knit neckline, cuffs and bottom; fully fashioned sleeves, mother-of-pearl buttons
- Button closure at front, self tie at sides
- Available in Black
- Merino wool
- Dry clean
- Made in Italy
Style # 503273931
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