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Learn more about the five boroughs that make up New York City with our complete guide.
Discover what to do, where to stay and what to see in New York City with our planning tool.
Get ready to take on New York City with Leonardo, Donatello, Raphael and Michelangelo.
Enjoy Shakespeare in the Park, the Museum Mile Festival, Macy's Fourth of July Fireworks and more.
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Get tips, maps and everything else you'll need during your stay.
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New York City is made up of five boroughs: the Bronx, Brooklyn, Manhattan, Queens and Staten Island. Each one has enough attractions—and enough personality—to be a city all its own. Learn more about them with this guide.
Tiny floral prints and ultra-feminine frocks are design signatures of the East Village-bred Pinkyotto brand. With tiny shops in three trendy neighborhoods including hipster hot spot Williamsburg?Pinkyotto is a must for the bohemian chic woman who appreciates clothes with an heirloom feel.


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Please note that the information on this website is now out of date. It is planned that we will update and relaunch, but for now is of historical interest only and we suggest you visit cqc.org.uk
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Care Home: 24 Northcroft Road
- 24 Northcroft Road Ewell Surrey KT19 9TA
- Tel: 02083942119
- Fax: 01999999999
24,Northcroft Road is a Care Home providing accommodation to 4 people. The semi-detached house is situated in a residential area near local amenities. People have their own bedrooms on the first floor. There are two lounge areas on the ground floor one of which has a dining area with comfortable furnishings. The kitchen is also situated on the ground floor with free access to people. The area to the front of the home has an attractive paved area for visitors or the homes vehicle. The range of fees are £750-£1,200 per week.
Latitude: 51.354999542236
Longitude: -0.26399999856949
- Manager: Mr A H Akbarally
Locality: Care Homes in Epsom and Ewell
Region: Care Homes in South East Coast
- Total Capacity: 4
- Type: Care home only
- Provider: Mrs D Akbarally,Mr A H Akbarally
- Ownership: Private
- Care Home ID: 11364
- Residents Needs:
- Learning disability
Latest Inspection
This is the latest available inspection report for this service, carried out on 21st May 2008. CSCI found this care home to be providing an Excellent service.
The inspector made no statutory requirements on the home as a result of this inspection and there were no outstanding actions from the previous inspection report.
For extracts, read the latest CQC inspection for 24 Northcroft Road.
Other inspections for this house
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subset: commoncrawl


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After looking into wheel building, it looks like everyone is using J-bend spoked hubs rather than straight pull spokes. I'd like to (save some cash) and use my Mavic Crossride hubs to lace up to something wider rim like a Large Marge.
Any problems I'd run into using a DH specified rim to a "not-so-DH" hub?


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My 04 Vibe has recently stopped going in reverse. When I shift into reverse and step on the gas, I go forward, also I go forward in every gear including Park. I have no idea what is wrong, all I know is that the trans fluid was changed about 2 weeks ago along with the oil
by Visitor in Whitmore Lake, MI on January 18, 2011


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Who doesn't love a little Chanel? Especially during Hollywood Award Season before the Oscars. If you want to experience Chanel Beauty products in a Rock n' Roll setting, then you'll want to get your free tickets to a special Chanel Beauty Event coming to Bar Marmont, near Chateau Marmont on Feb 26-26. Inspired by a rock-n-roll music video set, CHANEL will host the "I Love Coco Backstage Beauty Lounge," a three-day beauty event that offers the Los Angeles community privileged access to one of Hollywood's most iconic and exclusive venues – Bar Marmont at legendary West Hollywood hotel, Chateau Marmont – and a chance to experience its new range of LE VERNIS Longwear Nail Colour, and Rouge Coco Stylo Complete Care Lipshine. Complete Care Lipshine, an easy-to-use lip formula that delivers intense colour, care, and shine. Read on to find out how to get your free tickets!
The event will be held from Feb. 26-28 at Chateau Marmont's Bar Marmont. You can register to get tickets to the I LOVE COCO' Backstage Beauty Lounge through Eventbrite. Guests will enter an electrifying journey through a "backstage" entrance, on a special CHANEL red carpet. Moving into the "World of Le Vernis," manicurists will be on hand to offer mini manicures with an arresting palette of 16 Le Vernis Longwear Nail Colour line, and the new LE GEL COAT Longwear Top Coat which extends the wear of LE VERNIS up to seven days. Complimentary manicures will be offered on a first-come, first serve basis and guests can then snap a picture of their newly painted nails with the CHANEL "mani-cam" and share it with their friends on social media.
Continuing through the space there will be a "VIP Dressing Room", offering a chance for beauty enthusiasts to get in touch with their playful side and experiment with various ROUGE COCO STYLO shades and explore different application techniques. Artists on hand will also reveal some of CHANEL Celebrity Makeup Artists' top tricks that they use on their VIP clients. Visitors looking for something a little more edgy can even opt for a temporary tattoo application. In the "Music Bar," guests can stage a selfie or create a GIF with friends on the music stage with CHANEL custom-made musical instruments. Guests will leave with covetable CHANEL concert posters, concert pins and tattoos created exclusively for the event.
Get your tickets quick, because this will sell out!


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Cannes 2015: 'Mia Madre' and 'Tale of Tales' Are Two Contrasting Italian Films
19 May 2015 // 4:30 AM
Nanni Moretti's Mia Madre is a minor-key ode to family and film-making, while Matteo Garrone's Tale of Tales is a wild fairytale ride.
Do they Know We're in Darkness?: 'We Have a Pope'
30 Oct 2012 // 6:10 PM
In refusing to depict the nature of divinity that's absolutely necessary to a story about the papal election, We Have a Pope squanders a great premise with theologically flat reflection.


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VirtualArmor reports first quarter 2016 financial results – Q1 Revenue Increased 53% Year over Year $VAI.ca
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Assi Hilani dares to demand
Lebanese television broadcaster Tony Khalifa, who hosts the weekly program "Li Man Yajro' Fakat" (For Those Who Dare Only) revealed that one of the episodes may not be aired due to a massive argument that broke out between two stars during the recording of the episode.
Sources have revealed that that fight erupted between Lebanese singers Assi Hilani and Mohammad Iskandar.
The UAE based daily, Al Bayan, reported that the argument was over whether director Simone Asmar had given songs to Assi, which were originally supposed to be given to Mohammad, because he thought they would be more successful in Assi's voice. This created tension between the two singers, and eventually a fight broke out, including name calling and personal insults.
Sources claim that Assi demanded that the episode not be aired, since it will negatively affect his reputation and his career.
Assi has completed recording almost 20 new songs, and will choose the most appropriate ones to include in his upcoming album. The singer will finalize his selection after the holy month of Ramadan, and the album is scheduled to be released at the beginning of the new year. He is currently holding negotiations with 'Melody Production Company' for the album, including five new music videos.
The singer's contract with Rotana ended with the release of his latest album, "Izgheereh El Dinia" (It is a Small World), that has enjoyed tremendous success. The video for "Habibi Ya Nasini" aired exclusively on Rotana's satellite music channel.
Hilani has also joined a number of international stars in a new awareness campaign to fight poverty and hunger around the world, in collaboration with the United Nations World Food Program (UNWFP).


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All Jeremy Powers: Page 2
Tough decisions: Jeremy Powers talks sacrifices
- By Michael Better
- Published Aug. 28, 2015
National champ Jeremy Powers has reworked his program, taking a new approach to the 2015-2016 cyclocross season.
Youngsters may deliver unpredictable men's race at 'cross worlds
- By Dan Seaton
- Published Jan. 29, 2015
- Updated Apr. 7, 2015 at 1:50 PM EDT
Young guns like Van Aert and van der Poel set to shake up cyclocross world championships as the old guard fights to stay on the podium
Austin Powers! J-Pows takes a third 'cross national title
- By Spencer Powlison
- Published Jan. 12, 2015
- Updated Mar. 19, 2015 at 9:08 AM EDT
Jeremy Powers defends his national championship title in Austin, delivering a master class in mud racing at 'cross championships
Cyclocross nationals 2015 preview: Jeremy Powers 'has to win'
- By VeloNews.com
- Published Jan. 9, 2015
Jeremy Powers is heavy favorite at 'cross nationals in Texas, but Zach McDonald has potential to surprise, and Page is perennial favorite
North American Cyclocross Man of the Year: Jeremy Powers
- By VeloNews.com
- Published Jan. 2, 2015
After countless podiums at domestic races, Jeremy Powers is Velo's 2014 North American Cyclocross Man of the Year
Powers wins, Nash repeats at Jingle Cross day two
- By Spencer Powlison
- Published Nov. 16, 2014
- Updated Nov. 16, 2014 at 4:17 PM EDT
In Iowa City, Nash wins her sixth race in a row, while Powers shares the podium with young up-and-comers
Video: Jeremy Powers on the important role his 'cross mechanic plays
- By VeloNews.com
- Published Nov. 10, 2014
Jeremy Powers and mechanic Tom Hopper talk about the critical relationship between a cyclocross pro and their mechanic
Jeremy Powers, Katerina Nash take round 2 of Cincy3 Cyclocross Festival
- By VeloNews.com
- Published Nov. 2, 2014
Jeremy Powers and Katerina Nash top the podiums after round two of the Cincy3 Cyclocross Festival at Kingswood Park
Jeremy Powers wins kickoff at KMC Cyclo-cross Festival
- By VeloNews.com
- Published Oct. 4, 2014
- Updated Oct. 5, 2014 at 9:05 AM EDT
Jeremy Powers takes a cue from fellow national champ Katie Compton, attacking on lap two of the KMC Cyclo-cross Festival and staying away
Jeremy Powers explains switch to FMB tubular tires for 2015
- By Logan VonBokel
- Published Sep. 26, 2014
- Updated Sep. 29, 2014 at 1:42 PM EDT
American 'cross champion says that FMB tires proved faster than Dugasts in tests


text: hi, this is my first post on this forum and I hope that I will get best answer from you people. OK....I am bored wid my old phone and now planning to buy a new phone. My bugdet for this phone is below 8000. I need dual SIM and a good camera with flash. please dont suggest me some chine phone because I dont like them at all. please reply......!!!!!!!!!


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Police say they've made another arrest in the murder of a Greenville woman.
Richard Taft was charged Tuesday with an open count of murder. He is the fifth person arrested in the case.
Killed November 15th was Kendra Blount, who was shot as she was in a car at the intersection of Evans and Howell Streets.
The 19-year-old Taft had been in jail since the shooting with outstanding warrants for drug violations. Police say Taft was with others in the vehicle where from which shots were fired into the vehicle Blount was in.
His bond was set at $7,000,000.
Four other people were previously charged with the death.


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a user ...
Ratings based on 34 reviews
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Reviews (34)
5 out of 5 stars Mommy Makeover
6 Weeks Post Op Appt Today New pics!
5 out of 5 stars Breast Reduction
Relief at Last (Yes!) - Arizona
Show More I could not be happier with the doctor, his staff or my outcome thus far! I highly recommend Dr. Cohen for breast reduction. Dr. Cohen and his staff have been fantastic. They are always available and he is extremely responsive to my concerns. Please feel free to private message me if you'd like more information.
Breast Augmentation at 40: AAA to C - Santa Monica, CA
Show More I will write another review after I have my procedure.
5 out of 5 stars Mommy Makeover
The Perfect Outcome! Breast Lift, Fat Transfer, Tummy Tuck- Paradise Valley, AZ
Show More Dr. Cohen was very humble, honest and had my best interest in mind. He was very easy to talk to, set proper expectations and discussed all the best options to obtain my ultimate goal. I appreciate the time he took to answer all my questions before and after surgery. I also appreciate his attention to detail and desire to achieve the best results. All of his staff were amazing and went above and beyond to make me comfortable and prepared. I never once encountered a bad experience. Everyone including the office ladies, the OR team and the recovery were all amazing and made this a better journey. I could not be more thankful for each and every person that touched this experience.
5 out of 5 stars Breast Augmentation
22 Years Old, Post Weight Loss Surgeries. Scottsdale, AZ
5 out of 5 stars Breast Augmentation
22 Years Old, 5'00, 98lbs, Petite Athletic Frame - Scottsdale, AZ
Show More Dr. Cohen is incredible! From the moment I met with him, I knew he would be my surgeon. I met with others who seemed much less involved. Although I know he does surgeries back to back to back, it still felt like he was truly listening to my desires and concerns and doing what he could to make that happen using his expertise to offer better options. All of his staff is friendly and personable. I could not have asked for a better experience from the time I had my consult to now, and I'm sure throughout all of my follow ups!
31, 5'3/125lbs, 330cc round moderate plus unders
Show More So far, he's amazing. Pre op on Friday.
5 out of 5 stars Sientra Breast Implants
31 Years Old, 3 Breastfed Kids, Breasts Going from an "A" Cup to "DD" Cup 3 Times! Lift NEEDED! - Paradise Valley, AZ
Show More Dr. Cohen... fantastic all around. Thank you so much for doing such a wonderful job! Thank you for your professionalism and for answering my questions and making me comfortable during this whole process!
5 out of 5 stars Sientra Breast Implants
28 Years Old, 5'5" 120lbs, A-Cup to 400cc Sientra
Show More Dr. Cohen and his staff are very warm, friendly and very knowledgeable. My first interaction was with Bri who was ALWAYS able to answer any question I threw her way (this was not the same experience I had with a different PS and his staff). I was surprised that she knew so much, she's amazing. My consultation with Dr. Cohen went well, he gave me the breakdown and let me feel the different types of implants. He took various measurements and discussed my goals and realistic expectations. I always felt that we were on the same page and he understood what I wanted. I would recommend him to anyone who's looking for a breast augmentation.
5 out of 5 stars Breast Reduction
23 Years Old, No Kids, Scoliosis... Looking better, breathing better, feeling better already!
Show More Dr. Cohen is a true artist. My shape and size is exactly as we discussed pre-op, my surgery experience was very predictable, and his wonderful office staff, anesthesiologist, and nurses always made me very comfortable. He even took my scoliotic asymmetry into account in my results to give me better symmetry post-op than I have ever had. His office is clean and pleasant, and he is a real perfectionist. He made revisions during my surgery to make sure everything was as perfect as possible. I couldn't be happier with how my incisions and shape have healed, and the attentive aftercare I've received from him and his team. I would recommend him enthusiastically to anyone considering any breast surgery!
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A year after finishing fourth in the state, the Newton Rams took home the Class AAAAAA title in the 2016 GHSA Boy's Track and ...
The Newton track and field team has made its way into the history books.
Jaquan Simms moved higher and higher through the Newton High School boys' basketball program until he reached his dream Tuesday.
After a successful year, the Newton baseball season came to an end this week.
The regular season has officially ended for Region 2-AAAAA baseball. Newton High School joins Rockdale, Lakeside and Tucker as the four teams from the region ...
Former Newton High School basketball standout Stephen Croone has been named an Honorable Mention All-American by the Associated Press for his efforts with the Furman ...
Page 1 of 1
"He had [lost] so much blood, and they say he broke every bone in his face and fractured his skull. It was so much blood and swelling that the CT scan wasn't giving them the reading that they needed. The body didn't look like anything was wrong with it. It was just his head," says Tracy Betts, Carlvon Betts' mother, recalling her son's fatal car accident. "They took him and decided to get the bleeding to stop. At that point he was bleeding out of his ears, out of his nose, his mouth...everything. It wasn't ...
Newton County School System Director of Public Reactions, Sherri Davis-Viniard says that the high schools will honor Carlvon Betts – Newton soccer player, who passed away this week – March 25 at Sharp Stadium where the Rams will play Alcovy.
(UPDATED) – Newton High School Rams' junior soccer player Carlvon Betts passed away earlier this morning from head injuries suffered in a car accident yesterday afternoon.
The Rams' state playoff run stopped on a cold Thursday night at Wheeler High School, with a large number of Newton fans tucked inside Wheeler's gym hoping to see the Newton boys basketball team pull of yet another upset. Three days later and the buzz has died, but the players and head coach Rick Rasmussen will always know how it all came together.
Even with the winter weather we experienced this past week, spring sports are off and running in full affect. The Newton High School baseball team has already got into the middle of their non-region schedule. Due to several rain-outs, Newton had only played two games until Friday evening where they were looking to get a win over the MLK Lions. Going into the game 0-2, Newton needed this win to kick start the season, but couldn't get it done and fell 8-4 to the Lions.
Newton junior guard Jaquan Sims will play in the Georgia Athletic Coaches Association (GACA) North/South All-Star boys basketball game. Sims will replace an injured player, as he was named an alternate for the contest, when rosters were being picked. Players from all over Georgia will participate in the contest. There is a game for juniors and one for seniors. Rams' guard D.J. Hill was also named as an alternate, but it has not yet been announced if he'll play in the game.
The third time wasn't the charm for Newton (22-9, 5-5 Region 2-AAAAAA), a team that had been on a wild Cinderella run in the state playoffs with upsets over powerhouse Tift County and Dacula. The favorites to win it all in 6-AAAAAA, Wheeler (28-2) and No. 2 player in the nation Jaylen Brown, ended the Rams' season with a 72-54 win.
Man, what a run it was. Newton played the underdog three times in the state playoffs, first upsetting Tift County – originally a favorite to at least make the elite eight – then beating Dacula in the sweet sixteen. However, Newton couldn't best Wheeler in the elite eight and fell to the Wildcats 72-54.
Newton High School's elite eight matchup against Wheeler in the state basketball playoff tips off tonight at 7 p.m.
No. Way. There was no way Newton would go down and beat defending Region 2-AAAAAA state champion Tift County as a No. 4 seed, versus the second-ranked team in the state. Not in Tift. Not a team that was 26-1, undefeated in their region and hadn't lost a game since January 8.
With a 58-54 win over Dacula, Newton boys basketball will advance to the elite eight for the first time since 2011.
Newton won over Tift 52-49.
The Lady Rams of Newton have been in a bunch of close games all year. They beat Tucker by two in their first game of the season, they beat Alcovy on a putback buzzer beater, they survived to beat Eastside and Rockdale by one and they beat Heritage by three. This would leave you to believe that when Newton had the ball down one, with a little less than 30 seconds left that they'd pull out a victory and win the region championship.
In the first half, the young stars of the Lady Rams were flying high and running fast. Freshman guard Alexcia Chatman made sure her presences was known.
Page 8 of 37


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From what I read, Leappad is good but the apps are costly and they add up and that kids grow out of it soon.
I am not sure about the iPod. I know they have games but do they have any app that helps improve reading skills?
And lastly, is Kindle fire an option? If I get the Kindle fire, I can use it too. I am not going to give it to him unsupervised so I am not worried about it breaking or anything. Also, we do not have Amazon prime. Does that greatly limit the capabilities of Kindle fire?
My main requirement is games, any kind of puzzles and reading. What do you suggest?
Any response is appreciated. Thanks in advance!!


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Oklahoma City Thunder adds 2 more players
The day began with remnants of shock, but Thursday's trade deadline ended in a successful recovery for the Thunder. Hours after rescinding its trade with New Orleans for center Tyson Chandler late Wednesday because of health concerns, Oklahoma City acquired guard Thabo Sefolosha from Chicago and Malik Rose from New York in two separate deals. The Thunder sent a 2009 first-round draft pick to the Bulls — the lesser of the Denver and San Antonio selections the team has rights to — and dealt reserve forward Chris Wilcox to the Knicks. To make room for the new additions, the Thunder waived seldom-used center Mo Sene. "We feel like we accomplished some of the things that we wanted to," said Thunder general manager Sam Presti. "We're excited about having Malik and Thabo join us. I think they'll have positive impacts on our team and also our culture. We're excited to continue to take the momentum that we've gained in recent weeks and continue to build on it." Presti said it has yet to be determined when Rose and Sefolosha will join the Thunder. But neither player will meet the team on the current two-game road trip that starts in Phoenix tonight as both players will soon travel to Oklahoma City to take their mandatory physicals. Their additions, however, led Presti to consider his franchise one step further along in its rebuilding efforts. "Through our process, we feel like we're walking into the next phase of team-building at a positive position," Presti said.
Related blogs
Thunder Rumblings: Interview new guard Thabo Sefolosha
Tramel blog: Malik Rose stirs memories of Big Country
Thunder Rumblings: (UPDATE) Hello Thabo, so long Mo Sene


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Friday, January 11, 2008
4 Comments | Copyright: india-forums.com
Sapna Baabul ka...Bidaai reaches an ultimate high as it records a high TRP of 5.4 last week, and has even surpassed the ratings of the ever popular K serial KyunKi Saaa Bhi Kabhi Bahu Thi....
And now in an interesting turn of events, a twist is shown in the life of the the main protagonist Ragini , played by Parul Chauhan, as she learns to dance and joins a dancing institute run by the new entry Sadia Siddhiqui. Sadia was last seen in Saat Phere and is seen on television after a long break.
Speaking about her role she says, "The character I play is Arunima, a kathak dancer. And I am a trained kathak dancer, so it was not very difficult for me to essay the role. I was able to showcase my talent of dancing through this role. She adds further, "I become a driving force in Ragini's life. After the break up of her wedding Ragini begins to underestimate herself all the more. But I discover her dancing skills and get her to join the dancing institute. Later I convince to even participate in a dance competition."
So is the role going to be a cameo? Sadia replies, "As of now I really have no idea of the length of the show. I took up the show at short notice because of my previous acquaintance with the director Rajan Shahi."
On her future plans, Sadia says, "Right now I have no other projects in television. I am working in a few Bollywood movies but I cannot disclose any details right now."
Reporter: Ranjini Nair
Author: Melanie
User Comments & RatingsJoin India Forums for free to comment on this story. Have an account already? Use Quick Login to comment.
Parul Chauhan will soon enter Colors' 'Meri Aashiqui Tumse Hi'
An integration sequence of Tum Aise Hin Rehna and Itti Si Khushi soon ...
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Turtle: The Incredible Journey Showtimes and Tickets
Read Movie Reviews about Turtle: The Incredible Journey Write a Movie Review for Turtle: The Incredible Journey
Release Date: 2011-06-24
Genre: Documentary,
Rating: G
Duration: 1hr 20min
Also available in: 3D
This is the story of a little loggerhead turtle as she follows in the path of her ancestors on one of the most extraordinary journeys in the natural world. Born on a beach in Florida, she rides the Gulf Stream up towards the Arctic and ultimately swims around the entire North Atlantic across to Africa and back to the beach where she was born. But the odds are stacked against her; just one in ten thousand turtles survive the journey.
Cast and Crew
- Starring
Miranda Richardson, Hannelore Elsner
- Directed by Nick Stringer
- Produced by Mike Downey, Solveig Langeland
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Full-time, 27 year old senior care provider from Charles Town, WV with 3 years of experience and a background check available upon request
Charles Town, WV | 27 yrs old
3 years experience
full-time $10-20/hr
Charles Town, WV | 27 yrs old | 3 years experience | full-time $10-20/hr
Meet Jessica
I have three years of experience caring for the elderly. I have worked in nursing homes, client homes, a hospital and have plenty of experience with rehab patients. I absolutely love helping others and being the side-kick they need. I am currently continuing my education in the health care field and plan to go all the way to my doctorate. I have helped my family members in times of health care needs and even voluntarily helped patients after they left the rehab centers I have worked for.
Has transportation
Certified Nursing Assistant
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20 miles
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text:
James C. Naify has been tapped senior VP of film for Century Theatres. He will report to David Shesgreen, who has just been boosted to exec veepee of corporate development and programming for the S.F.-based exhib.Naify, who will oversee the film-buying division of Century, will begin his new post after the wrap of ShoWest, which concludes today in Las Vegas. He most recently was senior veep and general sales manager for Fox Search-light Pictures. Shesgreen will take the lead in developing new properties for the chain, which is in the midst of a major expansion program. The growth plan, pegged to the slogan "1,000 by the Year 2000," concentrates on building sites west of the Mississippi, with a focus on the Pacific Northwest.
Century taps Naify sr. VP
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- PeruAgricultureFunding via Asociación Arariwa
MiguelPeruFoodFunding via Asociación Arariwa
Jesus AntonioPeruRetailFunding via Edpyme Alternativa
Palmira Yngerborg
Update on Palmira YngerborgThis member continues with her beauty products sales business. She sells things like creams, perfumes, lipsticks, among other things. She works independently, delivering her wares to different people and works from 8:00 to 6:00 pm. She has been in this business for eight years and things are going well. Her dream is to have a place from where she can sell her beauty products. She is asking for this loan to buy creams and perfumes.
She is committed to making her payments on time.
La socia se ha comprometido a hacer todos los pagos de los préstamos necesarios a tiempo.
Previous Loan DetailsAt present, Palmira is 32-years-old, married and has a son. She continues in her occupation selling beauty products to different people like neighbors, friends and family members. She sells her well-known brand products via catalogue but she specializes in the sale of perfume, cologne and earri... More from Palmira Yngerborg's previous loan »
Additional Information
Important InformationAbout Asociación Arariwa
Asociación Arariwa is a large non-governmental organization that started offering microcredit in 1994 to improve the quality of life, skills and equity of the population in the rural Cusco region of Peru. Arariwa serves the southern Andean provinces of Peru, and is distinguished by its efforts to reach the very poor, who often live in isolated rural areas. Arariwa fosters village banking, supports savings accounts, promotes access to education, and empowers women entrepreneurs (who make up 78% of its borrowers).
Concurrent and Successive Loans
Our Field Partners often work with borrowers over a series of loans as the borrowers build credit, take out bigger loans, and expand their businesses. In order to make it easier for our Field Partners to post loans for borrowers who have been listed on Kiva before, we allow them to post successive and concurrent loans for their Kiva borrowers. This means that our Field Partners are able to post a borrower's second, third, etc., loan on Kiva without having to re-enter all of the borrower's information.
This borrower has been listed on Kiva before, so you'll see an updated loan description, as well as excerpts of the original descriptions from earlier loans. Most borrowers take out loans consecutively, meaning that they receive a second loan after having repaid the first. However, sometimes our Field Partners give out concurrent loans, allowing borrowers to take out one primary loan and a secondary "add-on" loan along with it. These "add-on" loans are typically smaller than the borrower's primary loan and serve a different purpose. Because Field Partners can now post loans as successive and concurrent loans, you will be able to track borrower progress over time and see the various ways a borrower is working with our Field Partners through funds from Kiva's lenders.
About Peru
36View loans »
Success!! The loan was 100% repaid
- Repayment Term
- 6 months (Additional Information)
- Repayment Schedule
- Monthly
- Pre-Disbursed:
- Nov 22, 2012
- Listed
- Dec 11, 2012
- Currency Exchange Loss:
- Possible
- Ended:
- Apr 17, 2013
Photo from previous loan
Kiva allows our Field Partners to re-use the same photo for individual borrowers that have been posted on Kiva's website once before in a 24 month period, and we allow them to re-use group photos for up to 24 months, provided that 80% of the current group's membership is represented.
Taking, collecting, and uploading photos of borrowers is one of the most challenging elements of using Kiva for our Field Partners. In order to make Kiva easier for Field Partners to use, we have allowed them to post successive and concurrent loans without taking a new photo of the borrower if the criteria above are met.


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The threat prompted a lockdown for several hours as police searched both schools. Full story »
Two Paterson men will go to trial in March for allegedly providing the heroin that led to the fatal overdose of an Allendale man, The Record reported. Full story »
The reality show will follow The Voices from Allendale's Northern Highlands Regional and Stay Tuned from Cherry Hill High School East Full story »
The director of the Federal Bureau of Investigation visited his Northern Highlands High School alma mater on Monday, in honor of the school's 50th anniversary. Full story »
Police arrested James M. Rainsford, 47, early Thursday morning on burglary and drug charges, Paramus Police Chief Kenneth Ehrenberg said Full story »
A bicycle-riding burglar has broken into several New Jersey homes, police say. Full story »
Check out where to see freworks displays in Bergen County on the holiday. Full story »
The Northern Highlands Regional High School Board of Education has adopted a policy for student publications covering anonymous sources and student privacy and gives the principal more time to review content before publication Full story »
The United States Equestrian Team Foundation announced that 18-year-old Michael Hughes of Allendale, N.J. has been selected as the 2015 recipient of the Maxine Beard Show Jumping Rider Award. Hughes was presented with the Maxine Beard Award trophy at the Winter Equestrian Festival Finale on March 28, at the Palm Beach International Equestrian Center in Wellington, Fla. Previous Recipients of... Full story »
The red-shouldered hawks had nested for four years in the same Allendale yard. Full story »
State legislators introduced a bill Monday that would require colleges to give students round-the-clock access to staff with training in mental health and suicide prevention. Full story »
A nest camera will live-stream the lives of a pair of the elusive raptors starting in March, if the Fyke Nature Association can raise $6,000 to buy, install and operate the camera. Full story »
A petition urging passage of a law aimed at preventing college suicides is nearing its goal of 10,000 signatures. Full story »
An Allendale man being processed Saturday at Ramsey Police Headquarters for allegedly driving under the influence of heroin was charged again when police found heroin in his jacket, police said. Full story »
Ed Modica hopes to prevent other suicides. He's written up two proposals that he expects to become bills in the state Legislature. Full story »
Two Paterson men charged with causing the overdose death of a 22-year-old Allendale man are looking for a plea deal that would send them to prison for five years Full story »
There are many real-life main streets across the Garden State, historic communities that gleam this month with twinkling lights, sparkling ornaments and wreath-adorned street lamps Full story »
Comey's stop in Newark was the latest in a series of 52 visits to FBI field offices across the country since he took over the director's job in July 2013 Full story »
A revised policy governing student publications at the Northern Highlands Regional School district would require students to divulge anonymous sources to their advisers Full story »
James Comey told 60 Minutes the experience at his Allendale home made him a better sense of what victims of crimes feel Full story »


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Culture / Slices
Star Wars star Daisy Ridley wants to wish you a happy "Star Wars Day," and encourage fans to continue to give to their Force For Change charity campaign. The CrowdRise initiative is raising money for several big charities (including Make a Wish, the Red Cross, Unicef and the Boys and Girls Club of America), and is offering fans a chance to actually hang out with some of the cast. Check it out, and May the 4th Be with You. Discuss
Makers of upcoming summer blockbuster Independence Day: Resurgence have released this new faux news report, which sets the stage for the sequel to 1996's Independence Day. As the video shows, it's been 20 years since aliens first attacked earth, and now, a united humanity stands ready for their return. OK, this is cheesy, but let's be honest, we're all very excited about this movie. Discuss
Meet Hollywood's next Jesus. According to Deadline, Joaquin Phoenix is in talks to play the role of Jesus Christ in an upcoming movie called "Mary Magdalene." Rooney Mara will play the lead role. This biopic doesn't sound like a typical faith-centric Bible movie, though: Deadline says the film is "an authentic and humanistic portrait of one of the most enigmatic and misunderstood spiritual figures in history." Talks with Phoenix are still on going, but he is currently the filmmakers' first choice. Discuss
Paul Rudd will play an Ivy League linguistics prodigy, a professional baseball player and a spy—all in the same role. The actor is set to star in the adaptation of the book The Catcher Was A Spy, which tells the true story of Moe Berg, who went from Princeton, to the Major League to a CIA-like organization, just as America was entering into WWII. But, just because it's Paul Rudd, don't expect a straight-up comedy. The script, which is billed as a thriller, is being written by the scribe behind Saving Private Ryan, Robert Rodat. Discuss
Take a trip back to 1989 in this trailer for Southside With You, a movie about the first date between Michelle and Barack Obama. The film, which was produced by John Legend, releases in August. Discuss
Listen to Republican candidates talk, and you'll hear a lot about Ronald Reagan. Some even lament that the 40th president can't just run again this year. Which, for obvious reasons, he can't. But we may have discovered the next best thing, and even Democrats will be excited. Variety is reporting that Will Ferrell is going to star as the Gipper in a movie tentatively called Reagan. Reportedly, the script follows the president from the beginning of his second term, as an intern has to convince a Reagan with early-onset dementia that he is only playing the role of president in a movie. Ferrell is also co-producing the project. Discuss


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Screen protection t4i
Started Aug 16, 2012 | Discussions thread
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SEBOUNET • Regular Member • Posts: 355
Screen protection t4i
I know you can reverse the screen to protect it. But in normal use the screen is always exposed. Does someone use a protective film and how doest it work with the touch screen. Please share the brand you use
Thank you
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Quotes & Info
|VDSI > SEC Filings for VDSI > Form 10-Q on 2-Nov-2012
|All Recent SEC Filings
Quarterly Report
Unless otherwise noted, references in this Quarterly Report on Form 10-Q to "VASCO," "company," "we," "our," and "us" refer to VASCO Data Security International, Inc. and its subsidiaries.
Cautionary Note Regarding Forward-Looking Statements
This Quarterly Report on Form 10-Q, including Management's Discussion and
Analysis of Financial Condition and Results of Operations and Quantitative and
Qualitative Disclosures About Market Risk, contains forward-looking statements
within the meaning of Section 21E of the Securities Exchange Act of 1934 and
Section 27A of the Securities Act of 1933 concerning, among other things, the prospects of, and developments and business strategies for, VASCO and our operations, including the development and marketing of certain new products and the anticipated future growth in certain markets in which we currently market and sell our products or anticipate selling and marketing our products in the future. These forward-looking statements (1) are identified by use of terms and phrases such as "expect", "believe", "will", "anticipate", "emerging", "intend", "plan", "could", "may", "estimate", "should", "objective", "goal", "possible", "potential", "projected" and similar words and expressions, but such words and phrases are not the exclusive means of identifying them, and (2) are subject to risks and uncertainties and represent our present expectations or beliefs concerning future events. VASCO cautions that the forward-looking statements are qualified by important factors that could cause actual results to differ materially from those in the forward-looking statements. These risks, uncertainties and other factors have been described in greater detail in our Annual Report on Form 10-K for the year ended December 31, 2011 and include, but are not limited to, (a) risks of general market conditions, including currency fluctuations and the uncertainties resulting from turmoil in world economic and financial markets, (b) risks inherent to the computer and network security industry, including rapidly changing technology, evolving industry standards, increasingly sophisticated hacking attempts, increasing numbers of patent infringement claims, changes in customer requirements, price competitive bidding, and changing government regulations, and (c) risks specific to VASCO, including, demand for our products and services, competition from more established firms and others, pressures on price levels and our historical dependence on relatively few products, certain suppliers and certain key customers. Thus, the results that we actually achieve may differ materially from any anticipated results included in, or implied by these statements. Except for our ongoing obligations to disclose material information as required by the U.S. federal securities laws, we do not have any obligations or intention to release publicly any revisions to any forward-looking statements to reflect events or circumstances in the future or to reflect the occurrence of unanticipated events.
We design, develop, market and support open standards-based hardware and software security systems that manage and secure access to information assets. We also design, develop, market and support patented strong user authentication products and services for e-business and e-commerce. Our products enable secure financial transactions to be made over private enterprise networks and public networks, such as the Internet. Our strong user authentication is delivered via our hardware and software DIGIPASS security products (collectively DIGIPASSES), many of which incorporate an electronic and digital signature capability, which further protects the integrity of electronic transactions and data transmissions. Some of our DIGIPASSES are compliant with the Europay MasterCard Visa (EMV) standard and are compatible with MasterCard's and VISA's Chip Authentication Program (CAP). Some of our DIGIPASS units comply with the Initiative for Open Authentication (OATH). As evidenced by our current customer base, most of our products are purchased by companies and, depending on the business application, are distributed to either their employees or their customers. Those customers may be other businesses or, as an example in the case of Internet banking, our customer banks' corporate and retail customers. In future years, we expect that our customers will increasingly use our cloud-based service offering, DIGIPASS as a Service ("DPS") as described below.
We offer our products either through a product sales and licensing model or through our DPS product offering, which was first made available in the fourth quarter of 2010. DPS is our cloud-based authentication platform. By using our authentication platform, customers can deploy two-factor authentication more quickly, incur less upfront costs and be able to use strong authentication when logging onto a larger number of Internet sites and applications. We expect those applications to include business-to-business applications, business to employee applications (e.g., employees of companies logging into third party applications operated in the cloud), and business to consumer applications. While there were minimal revenues generated from this product in 2011, and we expect that the contribution of DPS will still be limited in 2012, we believe that DPS has the potential for significant future growth as it will make two-factor authentication more affordable and readily available to users and application markets.
Our target market is any business process that uses some form of electronic interface, particularly the Internet, where the owner of that process is at risk if unauthorized users can gain access to its process and either obtain proprietary information or execute transactions that are not authorized. Our products not only increase the security associated with accessing the business process, thereby reducing the losses from unauthorized access, but also, in many cases, reduce the cost of the process itself by automating activities that were previously performed manually.
Comparison of Results for the Three and Nine months ended September 30, 2012 and 2011
Industry Growth: We do not believe that there are any accurate measurements of the total industry's size or the industry's growth rate. We believe, however, that the industry will grow at a significant rate as the use of the Internet increases and the awareness of the risks of using the Internet grow among applications owners and consumers. We expect that growth will be driven by new government regulations, growing awareness of the impact of identity theft, and the growth in commerce that is transacted electronically. The issues driving the growth are global issues and the rate of adoption in each country is a function of that country's culture, the competitive position of businesses operating in that country, the country's overall economic conditions and the degree to which businesses and consumers within the country use technology.
Economic Conditions: Our revenue may vary significantly with changes in the economic conditions in the countries in which we sell products. With our current concentration of revenue in Europe and specifically in the banking/finance vertical market, significant changes in the economic outlook for the European banking market may have a significant effect on our revenue.
We acknowledge that there is significant economic uncertainty in Western Europe today regarding the sovereign debt issue. If the sovereign debt issue escalates to the point that major countries default on their debt and either the European Union, or Euro Monetary Union, disbands or is re-formulated, we expect that the resulting economic difficulties would have a major negative impact on the global economy, not just the economies of Western Europe, and our business.
We do not believe, however, that the uncertainty surrounding the sovereign debt issue had a measureable negative impact on our business in the third quarter or first nine months of 2012 and we do not expect that it will significantly reduce our business opportunities for the remainder of 2012.
Revenue from our Europe, Middle East and Africa ("EMEA") region, which accounted for 53% and 61% of our consolidated revenues for the third quarter and first nine months of 2012, respectively, decreased 31% and 19% when compared to the third quarter and first nine months of 2011. We believe that the reduction in revenues in the third quarter and first nine months of 2012 compared to the same periods of 2011 was not due to a change in the economic environment, but primarily reflected the timing of when orders are received and goods are shipped and the strengthening of the U.S. Dollar compared to the Euro.
On a global basis, we entered 2012 with a lower backlog of orders than in 2011. In addition, while our intake of new customer orders in the third quarter was lower than in the third quarter of 2011, our order intake for the first nine months of 2012 has been stronger than in the same period in 2011.
Cybersecurity: Our use of technology is increasing and is critical in three areas of our company:
1. The use of software and information systems that we use to help us run our business more efficiently and cost effectively;
2. The products we have traditionally sold and continue to sell to our customers for integration into their software applications contains technology that incorporates the use of secret numbers and encryption technology; and
3. New products and services that we are introducing to the market, such as DPS, are focused on processing information through our servers (or in the cloud from our customers' perspective).
We believe that the risks and consequences of potential incidents in each of the above areas are different.
In the case of the information systems we use to help us run our business, we believe that an incident could disrupt our ability to take orders or deliver product to our customers, but such a delay in these activities would not have a material impact on our overall results. To minimize this risk, we actively use various forms of security and monitor the use of our systems regularly to detect potential incidents as soon as possible.
In the case of products that we have traditionally sold, we believe that the risk of a potential cyber incident is minimal. We offer our customers the ability to either create the secret numbers themselves or have us create the numbers on their behalf. When asked to create the numbers, we do so in a secure environment with limited physical access and store the numbers on a system that is not connected to our network, and similarly, is not connected to the Internet. Were such an incident to occur, our business could be subject to significant disruption and we could suffer significant monetary losses and significant reputational harm.
In the case of our new products and services, which involve the active daily processing of the secret numbers on our servers or servers managed by others in a hosted or co-location environment, we believe a cyber incident could have a material impact on our future business. We believe these products may be more susceptible to cyber attacks than our traditional products since they involve the active processing of transactions using the secret numbers. While we do not have a significant amount of revenue from these products today, we believe that these products have the potential to provide substantial future growth. A cyber incident involving these products in the future could substantially impair our ability to grow the business in this area and we could suffer significant monetary and other losses and significant reputational harm.
To minimize the risk, we review our security procedures on a regular basis. Our reviews include the processes and software programs we are currently using as well as new forms of cyber incidents and new or updated software programs that may be available in the market that would help mitigate the risk of incidents. While we do not insure against cyber incidents today, we would likely review insurance policies related to our new product offering in the future. Overall, we expect the cost of securing our networks will increase in future periods, whether through increased staff, systems or insurance coverage.
Income Taxes: Our effective tax rate reflects our global structure related to the ownership of our intellectual property ("IP"). All our IP is owned by two subsidiaries, one in the U.S. and one in Switzerland. Our two subsidiaries have entered into agreements with most of the other VASCO entities under which those other entities provide services to our U.S. and Swiss subsidiaries on either a percentage of revenue or on a cost plus basis or both. Under this structure, the earnings of our service provider subsidiaries are relatively constant. These service provider companies tend to be in jurisdictions with higher effective tax rates. Fluctuations in earnings tend to flow to the U.S. and Swiss companies.
We expect earnings flowing to the U.S. will be taxed at rates approximating the U.S. statutory tax rate, but with the majority of our revenues being generated outside of the U.S., our consolidated effective tax rate is strongly influenced by the effective tax rate of our foreign operations. Changes in the effective rate related to foreign operations reflect changes in the geographic mix of where the earnings are realized and the respective tax rates in each of the countries in which earnings are realized. The statutory tax rate for the primary foreign tax jurisdictions ranges from 8% to 34%. For 2012, we expect that total earnings in foreign countries where the IP is owned by our subsidiary in Switzerland will be taxed at a rate that is 10 to 15 percentage points lower than the U.S. rate. For years after 2012, we expect that the rate differential for foreign countries, when compared to the U.S. statutory rate, will increase as the buy-in payments related to the original purchase of the IP are completed (i.e., taxable income in the foreign countries will decrease in the higher tax rate jurisdictions and increase in the lower tax rate jurisdictions as the Swiss and U.S. companies no longer make payments to the higher rate foreign countries related to the original purchase of the IP).
The geographic mix of earnings of our foreign subsidiaries will primarily depend on the level of our service provider subsidiaries' pretax income, which is recorded as expense in the two entities that own our intellectual property (i.e., subsidiaries in the U.S. and Switzerland), and the benefit that is realized in Switzerland through the sales of product. The level of pretax income in our service provider subsidiaries is expected to vary based on:
1. the staff, programs and services offered on a yearly basis by the various subsidiaries as determined by management, or
2. the amount of the payments made by the U.S. and Swiss entities related to the purchase of the service providers' original IP (which payments are scheduled to cease at the end of 2012), or
3. the changes in exchange rates related to the currencies in the service provider subsidiaries, or
4. the amount of revenues that the service provider subsidiaries generate.
For items 1, 2 and 3 above, there is a direct impact in the opposite direction on earnings in the U.S. and Swiss entities. Any change from item 4 is generally expected to result in a larger change in income in the U.S. and Swiss entities in the direction of the change (increased revenues expected to result in increased margins/pretax profits and conversely decreased revenues expected to result in decreased margins/pretax profits) than the change in the service provider entities.
In addition to the provision of services, the intercompany agreements transfer the majority of the business risk to our U.S. and Swiss subsidiaries. As a result, the contracting subsidiaries' pretax income is reasonably assured while the pretax income of the U.S. and Swiss subsidiaries varies directly with our overall success in the market.
Given the wide range of tax rates in the jurisdictions in which we operate, we expect that our tax rate will be volatile in 2012 and beyond. Our tax rate in any given period will be largely dependent on the geographic location of the earnings. We expect that our tax rate will be higher when the mix of earnings favors the territories in which our U.S. subsidiary owns the IP and similarly will be lower when the mix of earnings favors the territories in which our Swiss subsidiary owns the IP.
Currency Fluctuations: In the third quarter 2012 and 2011, approximately 94% and 85%, respectively, of our revenue was generated outside the United States. For the nine months ended September 30, 2012 and 2011 approximately 93% and 91%, respectively, of our revenue was generated outside of the United States.
In addition, in the third quarter of 2012 and 2011, approximately 86% and 80%, respectively of our operating expenses were incurred outside the United States. For both the nine months ended September 30, 2012 and 2011, approximately 81% of our operating expenses were incurred outside of the United States.
Changes in currency exchange rates, especially the Euro to U.S. Dollar, can have a significant impact on revenue and expenses. In general, to minimize the net impact of currency fluctuations, we attempt to denominate our billings in a currency such that it would provide a hedge against the operating expenses being incurred in that currency. We expect that changes in currency rates may also impact our future results if we are unable to match amounts of revenue with our operating expenses in the same currency.
The U.S. Dollar strengthened by approximately 16% and 10% against the Euro for the quarter and nine months ended September 30, 2012, respectively, compared to the same periods in 2011. The U.S. Dollar also strengthened approximately 4% and 1% against the Australian Dollar for the quarter and first nine months ended September 30, 2012, respectively, as compared to the same periods in 2011. We estimate that the changes in the exchange rate of the U.S. Dollar to these two currencies in 2012 compared to 2011 resulted in a decrease in revenue and operating expenses of approximately $1,523 and $1,981, respectively, for the quarter ended September 30, 2012 and a decrease in revenue and operating expenses of approximately $3,374 and $3,748, respectively for the nine months ended September 30, 2012 compared to the same periods in 2011.
The financial position and results of operations of most of our foreign subsidiaries, with the exception of our subsidiaries in Switzerland and Singapore (in which the functional currency is the U.S. Dollar), are generally measured using the local currency as the functional currency. Accordingly, assets and liabilities are translated into U.S. Dollars using current exchange rates as of the balance sheet date. Translation adjustments arising from differences in exchange rates are included as a separate component of stockholders' equity. Revenue and expenses are translated at average exchange rates prevailing during the period. Gains and losses resulting from foreign currency transactions are included in the consolidated statements of operations in other non-operating income (expense). Foreign exchange transaction losses aggregating $304 and $259 in the third quarter and first nine months of 2012, respectively, compares to losses aggregating of $583 and $525 in the third quarter and first nine months of 2011, respectively.
Revenue by Geographic Regions: We classify our sales by customers' location in
four geographic regions: 1) EMEA, which includes Europe, the Middle East and
Africa; 2) the United States, which for our purposes includes sales in Canada;
3) Asia Pacific; and 4) Other Countries, including Australia, Latin America and Central Asia. The breakdown of revenue for the three and nine months ended September 30, 2012 and 2011 in each of our major geographic regions follows:
United Asia Other EMEA States Pacific Countries Total Three months ended September 30: Revenue: 2012 $ 19,160 $ 2,272 $ 10,651 $ 4,209 $ 36,292 2011 27,640 6,167 3,406 4,172 41,385 Percent of Total: 2012 53 % 6 % 29 % 12 % 100 % 2011 67 % 15 % 8 % 10 % 100 % Nine months ended September 30: Revenue: 2012 $ 69,904 $ 8,112 $ 26,018 $ 11,158 $ 115,192 2011 85,849 11,095 8,455 14,155 119,554 Percent of Total: 2012 61 % 7 % 22 % 10 % 100 % 2011 72 % 9 % 7 % 12 % 100 %
Total revenue in the third quarter of 2012 decreased $5,093, or 12%, from third quarter of 2011. Including the impact of changes in currency exchange rates, the decrease was primarily attributable to an 11% decrease in revenues from the banking market and a 16% decrease in revenues from the enterprise and application security market. As noted above, for the quarter ended September 30, 2012, we estimate that the strengthening of the U.S. Dollar as compared to the Euro resulted in a decrease in revenue of $1,523.
Revenue generated in EMEA during the third quarter of 2012 was $8,480, or 31%, lower than the third quarter of 2011. The decrease in revenues reflected a decrease in revenues from both the banking and enterprise and application security markets.
Revenue generated in the United States during the third quarter of 2012 was $3,895, or 63%, lower than the third quarter of 2011. The decrease in revenues reflected a decrease in revenues from both the banking market and from the enterprise and application security markets. The banking market in the United States uses our technology primarily for corporate banking applications and, as a result, is relatively small. Given the size of the market, our results may vary significantly period to period based on the size and timing of shipment of individual orders.
Revenue generated in the Asia Pacific region during the third quarter of 2012 was $7,245, or 213%, higher than the third quarter of 2011. The increase in revenues reflected growth in the banking partially offset by a decline in the enterprise and application security markets.
Revenue generated from Other Countries during the third quarter of 2012 was $37, or 1%, higher than the third quarter of 2011. We expect that revenues from Other Countries will be more volatile than from our other regions given their earlier stage of development of the authentication market in those countries. VASCO, however, plans to continue to invest in new markets based on our estimates of the each market's demand for strong user authentication.
Total revenue for the nine months ended September 30, 2012 decreased $4,362, or 4%, from the first nine months of 2011. Including the impact of changes in currency exchange rates, the decrease was primarily attributable to a 6% decrease in revenues from the banking market partially offset by an 8% increase in revenues from the enterprise and application security market. As noted above, for the nine months ended September 30, 2012, we estimate that the strengthening of the U.S. Dollar as compared to the Euro resulted in a decrease in revenue of $3,374.
Revenue for the nine months ended September 30, 2012 generated in EMEA decreased $15,945, or 19%, from the first nine months of 2011. Revenue from the banking market for the first
nine months of 2012 was approximately 23% lower than in the same period of 2011 while revenues from the enterprise and application security market were comparable to the revenue for the first nine months of 2011.
Revenue for the nine months ended September 30, 2012 generated in the United States decreased $2,983, or 27%, from the first nine months of 2011. The decline in revenues from the U.S. for the first nine months of 2012 was primarily due to a decline in revenues from the banking market.
Revenue for the nine months ended September 30, 2012 from Asia Pacific increased $17,563, or 208%, from the first nine months of 2011. Revenues from Asia Pacific for the first nine months of 2012 reflected an increase in revenues from both the banking market and the enterprise and application security market.
Revenue for the nine months ended September 30, 2012 generated from Other Countries decreased $2,997, or 21%, from the first nine months of 2011. Revenues from Other Countries for the first nine months of 2012 primarily reflected a decrease in revenues from the Latin American banking market.
Revenue by Target Market: Revenue is generated currently from two primary markets, banking/finance (banking) and enterprise and application security, through the use of both direct and indirect sales channels. The enterprise and application security market includes products used by employees of corporations to secure their internal networks (i.e., enterprise security market) and business-to-business, business-to-consumer, e-commerce, e-government, e-gaming and other vertical applications (i.e., the application security market) that are not related to banking or finance. In addition, revenue from services-related activities, such as maintenance and support are included in the Enterprise and Application Security markets. Management currently views the enterprise and application security market as one market because the same products are sold through the same channels to both customer groups. Sales to the enterprise security and application market are generally for smaller quantities and higher prices than sales made to the banking market. The breakdown of revenue between the two primary markets was as follows:
Enterprise & Application Banking Security Total Three months ended September 30: Revenue: 2012 $ 29,592 $ 6,700 $ 36,292 2011 33,403 7,982 41,385 Percent of Total: 2012 82 % 18 % 100 % 2011 81 % 19 % 100 % Nine months ended September 30: Revenue: 2012 $ 93,168 $ 22,024 $ 115,192 2011 99,116 20,438 119,554 Percent of Total: . . .


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Hey everyone!
DH and I had our first u/s visit yesterday. We were excited that the baby is measuring a few days ahead of me at 7wk 5dys (when yesterday I was 7wk 2dys). Strong heartbeat of 153 and it was visible on screen, my husband started tearing up when he saw that little flicker. We cried for like 10 mintues following the ultrasound, knowing that at that moment everything was okay and healthy. Yesterday I was able to breathe and was able to enjoy the idea of being pregnant, and it carried over into today somwhat, but now the real test begins.
Our last LO we lost at 8 weeks, but we didn't learn of the loss until I went in for my 10 visit. We had seen a visible heartbeat with that ultrasound at 6wks 6dys, although the heartbeat was in the 130's (which is still a within the normal range). My anxiety is going to hit all time highs over the next three weeks. My next appt is scheduled for April 5 where another u/s will be done. It will be the longest three weeks ever.
Symptoms are still in force, morning queasiness and sore boobs. I was absolutly exhausted today, but I think that may have been a result of not sleeping so much since I knew our appt was coming up.
KMFX for myself and everyone else in our group. I hope we all get to November with healthy babies to hold.


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NOTE: Banner images should be placed in this first content block and should be at least 720px wide.
Daphne Lordly, DEd (UniSA), MAHE (MSVU), PDt FDC, Professor
The Master of Science Applied Human Nutrition and the Master of Applied Human Nutrition programs will provide students with the opportunity for advanced level study in nutrition with an emphasis on issues related to community nutrition, food and human nutrition. The programs explore the theoretical foundations of nutrition through critical reflection on current research and practice within the discipline and drawing from other related disciplines.
Students will normally have completed an undergraduate degree in nutrition, dietetics, foods or related health professions, e.g., nursing, health education, pharmacy, with a minimum of a B average (GPA 3.0). Credit in the following undergraduate courses will normally be required: 0.5 unit applied statistics; 1.0 unit biochemistry; 1.0 unit physiology; 1.0 unit sociology, psychology or communications; 1.0 unit 3000-level and 1.0 unit 4000-level human nutrition.
Applicants must complete the Graduate Studies Application Package available online, from the Admissions Office or from the Department of Applied Human Nutrition, by January 31 for fall admission.
Students seeking registration as a professional dietitian must apply for the Master of Science Applied Human Nutrition and the Internship Education Program. To be considered for the Internship Education Program applicants must meet Partnership for Dietetic Education and Practice (PDEP) undergraduate competencies. Please consult the Department of Applied Human Nutrition for information about acceptable undergraduate programs.
Students with an interest in aspects of community nutrition i.e. food security, participatory action research, are directed to the following web site for additional informationhttp://www.msvu.ca/en/home/programsdepartments/professionalstudies/appliedhumannutrition/FoodARC.aspx.
Immunization Requirement To be able to participate in courses, including internships, which have placements or labs in health facilities it is necessary to have a physician complete a health screening form that verifies your immunization for contagious diseases. There is a fee for the immunization and your health plan may cover all or part of this cost. Please contact the Department for more information.
Criminal Records Check Students are advised that certain courses and the internship which have placements in health facilities and community organizations require a recent and currently valid Criminal Records Check including a Vulnerable Sector Search.
Master of Applied Human Nutrition
The program will require completion of 5.0 units. Degree requirements may be completed on a part-time basis.
Note: Electives should be selected in consultation with the graduate studies advisor in accordance with the candidate's chosen area of emphasis. Students may select courses listed under any Mount graduate programs (GAHN, GFSG, GCYS, GSLL, GEDU, etc.) or other university graduate programs. If selecting electives from other universities, students must obtain formal approval; see section 2.2.2 Letter of Permission (LOP).
Master of Science Applied Human Nutrition
Program RequirementsThe program will require completion of 5.0 units, which includes 3.5 units plus thesis (1.5 units). Degree requirements may be completed on a part-time basis.
Note: Electives should be selected in consultation with the graduate studies advisor in accordance with the candidate's chosen area of emphasis. Students may select courses listed under any Mount graduate programs (GAHN, GFSG, GCYS, GSLL, GEDU, etc.) or other university graduate programs. If selecting electives from other universities, students must obtain formal approval; see section 2.2.2 Letter of Permission (LOP).
Internship Education Program
The Internship Education Program is open to individuals who are enroled in the Master of Science Applied Human Nutrition program and who wish to meet the PDEP Competencies for Dietetic Education and Practice (ICDEP). To be eligible for the Internship Education Program, students must be graduates of a PDEP accredited undergraduate program. Students apply to the internship at the time they apply for admission to the graduate program. Applicants may be interviewed prior to admission.
Following successful completion of all MScAHN program requirements and the internship education courses (NUTR 4501, 4502, and 4503), students will be eligible to write the national examination required by all provincial dietetic associations or colleges for registration as a professional dietitian. The Internship Education Program is completed as an addition to all graduate requirements; the internship education courses cannot be taken in place of elective courses.
Internship Education Required courses for MScAHN listed above plus the following internship education courses:
Academic Note: This web-based calendar is current, as of the latest Senate meeting held 29-Apr-16 for the 2016-2017 academic year and will be updated monthly after each Senate meeting. Please be advised that PDF versions of the 2016-2017 Academic Calendars will be the official academic calendars, which will be published after the final Senate meeting in May.
Copyright 2016 Mount Saint Vincent University. All Rights Reserved - Disclaimer


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Mamma Mia! Summary
Home > Movies > M > Mamma Mia! > Summary
Donna, an independent, single mother who owns a small hotel on an idyllic Greek island, is about to let go of Sophie, the spirited daughter she's raised alone. For Sophie's wedding, Donna has invited her two lifelong best girlfriends--practical and no-nonsense Rosie and wealthy, multi-divorcee Tonya--from her one-time backing band, Donna and the Dynamos. But Sophie has secretly invited three guests of her own. On a quest to find the identity of her father to walk her down the aisle, she brings back three men from Donna's past to the Mediterranean paradise they visited 20 years earlier. Over 24 chaotic, magical hours, new love will bloom and old romances will be rekindled on this lush island full of possibilities.


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Can't beat it for the price...
2008 Toyota FJ Cruiser
Crutchfield Customer Review (What's this?)
Frankly, my singing was better than the OEM speakers, but these were a better option (for my wife's ears). My advice is to not get these if you do not have the ability to adjust the EQ - those little guys will burst your eardrums with their highs! All in all, I'm happy with the purchase and would have given them a 5/5, if it weren't for the diminished mids;
Pros: Cheap, easy to install, and great sound with some tweaking
Cons: Diminished mids and highs are a bit too high, but can be adjusted to (mostly) accommodate this


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Advanced Placement Credit
Advanced Placement (AP) is a program of The College Board through which a secondary student completes college-level courses that are designated as AP in high schools. A student may earn college credits by demonstrating a specified level of performance on AP examinations. The AP examinations, which are scored on a 5-point scale, can be taken by any student who feels prepared by independent study or other preparation as well as by students who complete AP courses.


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Monday, December 24, 2012
267 Comments | Copyright: India-forums.com/Tellybuzz
Jaswinder Gardner: Christmas is a very important festival for Christians as we are all one in the body of Jesus Christ. Jesus who was born on Christmas Day died on the cross to take away our sins. In Christ there is joy, peace, prosperity and salvation. I became a believer (accepted the Lord as my personal Saviour) eight years ago. In Christ I got physical healing. I would go to a convent school where Christmas was celebrated. However before I came to know the Lord, Christmas to me was like any other event like Diwali. When I started growing in the Lord (living by the teachings of Jesus), the significance for Christmas completely changed for me. To me Jesus's teachings is all about love and sacrifice. Jesus taught us selfless love, to be patient and to lead a good and pure life. I love reading books on Christianity and Jesus's teachings like that of Joel Osteen, Benny Hill and Joyce Meyers. Though I won't be in India this Christmas I will surely attend the church Christmas service in the country I am in.
Raquel Rebello: Lord Jesus was born on Christmas Day. On Christmas Day I spend quality family time, make home-made sweets and dress in new clothes and shoes. Christmas is after all the best time of the year. Lord Jesus's teachings give me courage and strength.I attend midnight mass without fail every year. I sing at the choir. Though I am grown up now and I know that there is no Santa Claus; we still keep gifts under the Christmas tree and open them on Christmas Day. I go with my friends with the Christmas dance in Bandra. It's great to have family dinner on Christmas Day.My favourite Christmas carols are Jingle Bells and Mary's Boy Child. My favourite Christmas movie is Home Alone.
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Friday, September 20, 2013
0 Comments | Copyright: IANS
Pernia Qureshi's debut book "Be Stylish with Pernia Qureshi" will not only be a guide on understanding and honing one's personal style, but will also reflect the writer's journey to becoming a full-blown stylist from an "overdressed toddler".
Random House Publishing India is set to launch the book, which will give handy tips on the Do's and Don'ts for individual body types and personalities, allowing people to embrace their character and create their own "signature look".
The book also makes references to different celebrities that have been styled by Qureshi. Sonam, for example, shares her style choices and the rationale behind them.
The book will be available as a paperback for Rs. 299 that is set to release Oct 16, while a luxe edition will cost Rs. 999 and is tentatively set to be launched Nov 1.
Qureshi says fashion and style has always been an innate part of her.
"I didn't study fashion or take any classes in style, but I guess you could say it's always been part of my embroidery. My progression from an overdressed toddler in a sari to a full-blown stylist with my own online boutique has been a journey of passion and imagination, as well as self-knowledge," Qureshi told IANS.
A fashion stylist and costume designer, Qureshi has worked with established names like JJ Valaya and Tarun Tahiliani. She stepped into the role of a costume designer in 2010 when she styled Sonam Kapoor for "Aisha" and she also dressed the actress in the 2011 film "Thank You". She also has an online pop-up shop.
As a child too, she was always fascinated with fashion.
"Although I was just four, I absolutely adored wearing the outfits, jingling around in heavy jewellery. I remember spinning around on stage, seeing my skirt twirling in front of me and feeling so beautiful. This was the first time I felt the transformative power of dressing," she said.
Qureshi believes "the last few years have been a total adventure" for her.
"Since that tummy-flipping moment in 2008 Chanel Spring couture show in Paris , I've worked for fashion magazines, on film sets, and even crafted my own clothing line. My career has transported me around the world and across dozens of seasonal trends.
"But whether I'm dressing a movie character like 'Aisha' or a model for a shoot, one fact remains the same - one's outfit must reflect the inside of the person, otherwise it's simple not stylish," she said.
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Eight Washington County communities will hold elections for mayor and city councilors this November. The Washington County Auditors Office says 34 positions will be up for election. The first date to file is August 24, the deadline is September 17.
Filed under: Today's Local News
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Questions about beef steaks: New York strip, sirloin, rib-eye, filet, etc.
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Before cooking a steak, you're supposed to let it sit out at room temperature. You're also supposed to salt it. What is the proper timing for these steps? How long do you let the steak come up to ...


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Lanterns on the Lake play a sparkly blend of cinematic post-pop. 'Luscious, swoonsome loveliness that tugs the heart strings' - NME.
Lanterns On The Lake is a five-piece indie rock band from Newcastle-upon-tyne, United Kingdom. Formed in 2007, the band is composed of Hazel Wilde, Paul Gregory, Sarah Kemp, Oliver Ketteringham and Andrew Scrogham.
See more info at facebook.com/pages/Lanterns-On-The-Lake/161149807914
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Brilliant!!! Will go very far and pleased to be a fan from the start. Talented musicians with great build-ups and haunting songs.
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May 28, 2016
Meridian, Miss.
Meridian Community College will soon begin registration for GED classes this fall.
Registration starts Tuesday at 9 a.m. at the Ralph E. Young Center for Adult Basic Education. Registration will also take place Wednesday beginning at 5:30 p.m.
People may take the classes free of charge, but the test to earn the GED costs $120. The test is taken by computer. These classes help prepare people to take that test.
"The people that come through the program, they are appreciative to us, but it's really not about us; it's about them," said Jennifer Whitlock, adult education director. "They've done the work. They've put in all the effort, took the time. We also in our GED program, what we try to do is help people identify and put them on a career pathway."
Classes may be taken at MCC, Wesley House, the Win Job Center, or through the Meridian Housing Authority. For more information, you may call 601-484-8796.
Click Here to access the online Public Inspection File
Viewers with disabilities can get assistance accessing this station's FCC Public Inspection File by contacting the station with the information listed below. Questions or concerns relating to the accessibility of the FCC's online public file system should be directed to the FCC at 888-225-5322, 888-835-5322 (TTY), or email@example.com.


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From the Publisher
". . . a wonderfully reasoned defense that ultimately points to the One who is the source of all truth." - Charles Colson, Prison Fellowship Ministries
"These compelling stories demonstrate that faith in search of understanding, and understanding in search of faith, go on in the most unlikely of places." - Rev. Richard John Neuhaus, Editor-in-Chief, First Things: A Monthly Journal of Religion and Public Life


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Summer Camp Calendar
Grab a net and get ready to explore our 86-acre Meadow Garden!
Capture nature's beauty by designing personal pieces inspired by famous works of art.
Get a taste of nature by exploring the possibilities of plants in the kitchen. This camp is SOLD OUT.
Explore unique shapes and structures throughout Longwood's property and be inspired to create your own 3-dimensional artistic designs. This camp is SOLD OUT.
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Experience the renowned woodlands at Longwood and see trees in a new way. This camp is SOLD OUT.
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Thursday, January 24, 2013 at 2:17 PM
In April, a new state law intended to protect Ohio student athletes from concussions goes into effect. The new law affects all Ohio schools--public and private, charter and traditional public--as well as youth sports organizations.
While schools are taking steps to prevent student-athletes from concussions, some large Ohio school districts fall short in keeping student-athletes save, student-journalists at Kent State University found.
[related_content align="right"]
The new state law requires:
It also gives schools, coaches and referees some immunity from being sued in connection with concussions or head injuries.
The Ohio High School Athletic Association already requires officials at high school games to report any suspected concussions.
But as the Kent State student-journalists point out, high school athletes spend more time in practice than in games. And in some school districts, policies protecting student-athletes during practices are lax.
The Kent State reporters surveyed 26 Ohio school districts, including football powerhouses like Mogadore and Steubenville. Of those 26 districts, at least:
Football players have lead the charge to raise awareness of and prevent the long-term effects of concussions and head injuries. Thousands of former NFL players are suing the league, accusing it of hiding information about the dangers of concussions.
But at the high-school level, it's not just football players who get concussions, the Kent State reporters found: An athletic trainer at one high school told the Kent State reporters his school has had reported incidences of concussions in tennis and volleyball too.


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An Orcas Island man was among those on the flotilla that was raided by Israeli troops Monday.
David Schermerhorn, 80, a retired television-commercial producer from Orcas Island, was on the flotilla that was raided by Israeli troops Monday.
Kate Schermerhorn, David's daughter, said Monday that she hasn't talked to her father since the raid but has heard from the American Embassy that her father was taken into custody by Israeli officials and is unharmed.
She said her father, who has been to Gaza three times, was in the flotilla as an activist with the Free Gaza Movement.
"Our family is totally outraged at what's gone on," she said. "I can't believe it's come to this."
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She said she had talked with him by phone several hours before the raid, when her father said the flotilla was being followed by the Israeli navy. Later on, she said, she received several emergency messages sent from his GPS locator, saying something like, "Being approached by Israeli navy," along with the latitude and longitude of his location.
Demonstrations against the Israeli actions took place in Seattle and Tacoma Monday, joining those in other cities around the world.
In Seattle, about 100 people gathered at Seattle Center, distributing literature and marching silently through the grounds, where the Northwest Folklife Festival was taking place.
"We want people to know that there are aid workers being attacked for no reason other than taking the Palestinian side," said Amin Odehof Voices of Palestine, one of the groups that organized the Seattle Center vigil.
Rob Jacobs, Northwest regional director of StandWithUs/Northwest, which advocates for and educates about Israel, said he knew of no local pro-Israel demonstrations being planned.
"We look at this as a tragic situation that never needed to happen," Jacobs said. "Had they delivered the humanitarian aid through the normal channels, it would've gotten to Gaza. This was a PR stunt that unfortunately went tragically bad."
Janet I. Tu: 206-464-2272 or email@example.com


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One way to provide information regarding additional movie intelligence to the subscribers of Netflix about movie ratings, preferences or trends is by analyzing the rating data in different perspectives such as age, gender, location etc.
Subscribers or customers of Netflix are able to rate movies they watched on a five point scale. This could help the other subscribers to know about the rating of other subscribers about the movie they loved or hated the most.
Dashboards or scrolling messages can be used on the website displaying the rating of the movies that are rated high.


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- Costa RicaAgricultureFunding via FUDECOSUR
Melvin Fran...Costa RicaAgricultureFunding via FUDECOSUR
Luis DiegoCosta RicaHousingFunding via EDESA
The Women´s Bank Of Forging Goals And Dreams Group
Jaris is a rural community with poor access to full-time job opportunities. The main methods of subsistence are through activities in agricultural production such as the rearing of pigs and the production of sugar cane, among others. The women of this group are unanimously involved in the rearing and sale of pork products. This loan will be used by each group member to make investments in livestock, animal feed, nutrients and construction materials (to build pig pens).
Flora V. S. is the elected president of this group. Flora is a 55-year-old mother of eight who lives with her family in Jaris. She dedicates the mornings and afternoons to the care of her livestock. She feeds and cleans her pigs twice a day, when necessary, and her husband helps her. When she isn't taking care of the animals, Flora is carrying out various household responsibilities, including cooking and cleaning. The rearing of pigs is the sole source of family income for Flora and her family.
Flora's goals are to be able to earn enough income from the sale of pork products to enable the provision of a higher standard of living for her family. An obstacle she faces is the fluctuating prices for nutrients, pig food and livestock. An increase in prices for any one of these will eat away at her profits, as will a decrease in the market value of pork products.
The members of this group have been able to access credit, as well as favorable loan conditions, through the group lending model. In traditional financial institutions, a loan guarantor is needed in order to be approved for a loan. With the group lending model, each member acts as a guarantor for another member, which makes it easier for the poor to access loans. The women have grown to know each other on a deep and personal level, as they have lived in the same community for most of their lives. As a group, each woman makes a guarantee to make repayments and support others if they have trouble making repayments. This will be the group's fourth loan with Kiva partner, Fundación Mujer. Over the years, the members have observed loans contributing to an overall improvement in living conditions, enabling mothers to better support their children's studies, good health and livelihoods. The women of this group act as a support network for one another. Monthly meetings and group activities allow the women to take a break from their daily routines, contribute to a positive change in their community, and provide an opportunity to get together with other women. Working together on various problems, whether they are rooted in family or business, has allowed the women to develop feelings of solidarity and strength within the group.
Additional Information
More information about this loan
In Costa Rica, funding for microfinance institutions is hard to come by, and many institutions find themselves having difficulty growing and reaching all the demand for loans that exist. Kiva works with Fundacion Mujer because it attends a very marginalized population in Costa Rica, with a specific focus on women. In addition to the loan, Fundacion Mujer provides specialized training programs for their borrowers on everything from computer classes to salon training. Because of the difficulty in obtaining capital in Costa Rica, Fundacion Mujer cannot serve all the women that need loans. Therefore Kiva plays a unique role in helping Fundacion Mujer grow its portfolio and reach borrowers it otherwise would not be able to.
About Fundacion Mujer:Fundación Mujer is an organization specializing in the financial and personal development of female entrepreneurs in Costa Rica. They seek to reach underserved populations that may include indigenous communities, immigrants, refugees, victims of domestic violence or women living with HIV/AIDS. Fundación Mujer offers courses in both business and personal development, as well as training in concrete skills such as sewing and other crafts.
This is a Group Loan
In a group loan, each member of the group receives an individual loan but is part of a larger group of individuals. The group is there to provide support to the members and to provide a system of peer pressure, but groups may or may not be formally bound by a group guarantee. In cases where there is a group guarantee, members of the group are responsible for paying back the loans of their fellow group members in the case of delinquency or default.
Kiva's Field Partners typically feature one borrower from a group. The loan description, sector, and other attributes for a group loan profile are determined by the featured borrower's loan. The other members of the group are not required to use their loans for the same purpose.
About Costa Rica
3View loans »
Success!! The loan was 100% repaid
- Repayment Term
- 14 months (Additional Information)
- Repayment Schedule
- Monthly
- Pre-Disbursed:
- Nov 25, 2010
- Listed
- Nov 29, 2010
- Currency Exchange Loss:
- Possible
- Ended:
- Dec 15, 2011


text: Posted July 25, 2014 Are you sure it's not already happening and you're just ignoring it. The college game is centered mostly around dual threat QBs. In fact, a QB have to be sold as mobile to be considered in the 1st round these days. I don't think you're paying attention. Pay attention to the QBs drafted in the last few years since Cam and those that will be drafted drafted high the next few years. Are you telling me that if Manning 1 and Rivers were sitting there they wouldn't be drafted in the 1st? Yes, the first couple years in the NFL are a bit easier for a mobile QB, however if he can't hit the back shoulder he won't be around long. QB's that run and can't pass are like pros that putt for pars, and dogs that chase cars....they just won't be around long. Share this post Link to post Share on other sites


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Sarah Evans Barker is Judge, U.S. District Court for the Southern District of Indiana.
Lawrence Baum is Professor of Political Science at the Ohio State University.
Eileen Braman is Associate Professor of Political Science, Indiana University.
Stephen B. Burbank is the David Berger Professor for the Administration of Justice, University of Pennsylvania School of Law.
Keith J. Bybee is the Paul E. and the Hon. Joanne F. Alper '72 Judiciary Studies Professor, Syracuse University.
Frank Cross is the Herbert D. Kelleher Centennial Professor of Business Law, University of Texas.
Barry Friedman is the Jacob D. Fuchsberg Professor of Law, New York University School of Law.
Charles Gardner Geyh is Associate Dean for Research and John F. Kimberling Chair in Law, Indiana University Maurer School of Law.
James L. Gibson is the Sidney W. Souers Professor of Government in the Department of Political Science and Professor of African and African American Studies in the Department of Political Science at Washington University in St. Louis. He is also the Director of the Program on Citizenship and Demo-