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Rizvi College of Architecture
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Rizvi College of Architecture is situated at Vikhroli Bomb Khana, Hanuman Nagar, Road Number 1, Vikhroli Parksite, Vikhroli (W), Vikhroli Park Site Rd Number 1, Vikhroli West, Mumbai, Maharashtra 400079 in Mumbai.
Courses Offered
- 5 Years
- Bachelor of Architecture-B.Arch
- Engineering
Rizvi College of Architecture - RCA
Rizvi College of Architecture (RCA) proffers courses such as B.Arch. RCA is an integral part of national mission for human development through education. The prime goal of the educational programme is to prepare students for a professional role as architects in the service of humanity. Rizvi College of Architecture was established in August 1992 by Dr. Akhtar Hasan Rizvi, the well known builder and developer, in keeping with his cherished dream of setting up a network of academic institution that would develop into a modern university. Rizvi College of Architecture has been affiliated with the University of Mumbai and has been granted approval by the AICTE for its five year Degree Course in Architecture with an annual intake of 40 students. Rizvi College of Architecture aims to evolve into a school of architectural thought focusing on the human, socio-cultural, environmental, scientific and technological, aesthetic and philosophical values. The academic programme of the College follows the syllabus of the University of Mumbai. The courses are structured to orient the studies in a range of contexts, which includes rural, urban, metropolitan, regional, national and international. Architecture as a synthesis in space and time calls for focusing on the heritage and conservation issues on one side and the innovative and developmental aspects on the other. Rizvi College of Architecture has a faculty with rich national and international professional experience and a high standard of academic background. The faculty consists of full-time core faculty and part-time visiting faculty ensuring a higher faculty student ratio than 1:10 as required by the AICTE. Professor Akhtar Chauhan FIIA, architect planner, is the founder principal of the college.
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Why join Rizvi College of Architecture
The students of the college have won the Gold Medal of the University of Mumbai and have been in the merit list.
The RCA has its own library whose collection is growing at a high rate.
1 Type Courses Available
- 1 UG Courses
Rizvi College of Architecture Placements
Visiting Companies
Student Placement
The RCA has its own library whose collection is growing at a high rate. The present collection covers the subjects of arts, graphics, architectural data, construction, design, architectural theory, history, interiors, landscape, urban design, town planning, housing and technology. The RCA subscribes to numerous Indian and foreign magazines and journals. The library is open from 9.00 a.m. to 5.00 p.m. Rizvi Education Society's library network includes 5 institutional libraries with books covering a whole range of subjects including arts, architecture, science, engineering, economics, sociology, business management, commerce, philosophy & languages. All the institutional libraries are within walking distance of each other. Rizvi College of Architecture has a PC based computer centre, which is available for use by RCA students and faculty. The software available include Autocad, Word, Lotus, Photo Shop, etc. Rizvi College of Architecture has a cafeteria with a capacity of 200 seats on the 1st floor. It also has a fast food and snacks counter. It serves Indian and Chinese cuisine, snacks, hot beverages and soft drinks. Rizvi College of Hotel Management & Catering Technology has a restaurant & cafeteria on the ground floor in the Rizvi Educational Complex.
Nearby popular spots within 5 KM from the campus
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|Mahesh Lunch Home (Andheri) - Seafood Speciality Restaurant (Restaurant)
|Chili's (Bar)
|Parabola (Restaurant)
|5 Spice (Restaurant)
|BIG Cinemas (Movie Theater)
|Cafe Mangii Powai (Cafe)
|Grillopolis (Restaurant)
|Four Fountains De-Stress Spa (Spa)
|Birla Kerala Vaidyashala (Health)
|Parakh Hospital (Hospital)
|Haiko Supermarket (Grocery Or Supermarket)
|State Bank Of India (Bank)
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I have a wrongful foreclosure cause of action against GMAC. GMAC filed for bankruptcy. So my attorney filed a lawsuit against Aurora (part of his strategy). Aurora filed an answer to the complaint and denied any liability, stating that GMAC was a separate entity, and Aurora had nothing to do with the lawsuit. I settled with Aurora for a nominal nuisance value, and the lawsuit was dismissed with prejudice. OCWEN now owns the note. Can I file a lawsuit against OCWEN for wrongful foreclosure? or am I SOL because of the dismissal with prejudice?
SO you dismissed the lawsuit against GMAC with prejudice based on the settlement with Aurora - correct? You never amended the complaint to add Aurora either? If you never named OCWEN in the lawsuit then you are not SOL - UNLESS, your agreement with Aurora include all successors and assigns which is very common. You need to read the settlement document very carefully and also the basis of the settlement. If you have a different cause of action against OCWEN or an additional cause of action than you had against GMAC or Aurora then you can refile. Always read the documents and then research the state law - those are the keys to your answer.Ask a similar question
The lawsuit never named GMAC as a defendant. It was solely against Aurora, and Aurora never had anything to do with the servicing of the loan.
Ok - this question was rather confusing. The wrongful foreclosure action would be against whomever actually foreclosed. You write as if the property has not been foreclosed as of yet as you say the "Note" was transferred not the property. SO if GMAC foreclosed then they are the party you sue. Regardless of the BK filing you can proceed with the suit to establish a claim against the BK estate if you have not missed any of the statute of limitations for filing a creditor claim. If you only sued a party (Aurora) who purchased the property after it was foreclosed upon - then you can proceed with your wrongful foreclosure against any party unnamed in the original complaint. What I am saying however is that you need to read all of the transfer documents from GMAC to Aurora and Aurora to OWEN to see if there is any language that would eliminate your claim. From what it sounds like though you can proceed against GMAC and the action against Aurora and dismissal with prejudice would not affect that action. As Aurora was not the party that actually foreclosed they could not be held liable for an wrongful foreclosure thus the dismissal with prejuidice. Hope this is clearer. >
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10 Cold-Hardy Winter Vegetables
©2010, Dorling Kindersley Limited
©2011, Dorling Kindersley Limited
©2012, Dorling Kindersley Limited
©2011, Dorling Kindersley Limited
Photo By: Photo courtesy of Woodland Gardens Organic Farm
Photo By: Photo by Sara Cozolino
©2011, Dorling Kindersley Limited
Arugula is at its best in cold weather. Try growing it in cool weather for a milder crop.
Broccoli continues to produce side shoots once the main head is harvested. Once established, you can enjoy broccoli into early winter.
Brussels Sprouts
Brussels sprouts are the most cold hardy of the cabbage family.
Cabbage is very cold hardy. Stagger the planting so you can enjoy cabbage all winter.
Endive is a great addition to a winter salad. Plant plenty this fall.
Harvest some of the garlic "scallions"—called scapes—and use them in place of green onions in recipes this winter.
Kale and other hearty greens are great winter vegetables.
Spinach is great to grow in cool weather. Add it salads or saute with garlic for a hearty winter feast.
Swiss Chard
Similar to beet greens, Swiss chard has a mild flavor. Its pretty color will add a little pizzazz to your garden (and your plate).
Rutabagas are harvested in the winter. This hearty root vegetable is great in stews or served with roast beef.


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text: Wall Router - Dusun Electron Ltd. Toggle navigation TRADE DEALS Products Companies Product Company Search LOGIN E-mail Password Remember me Join Free JOIN FREE HomeElectronics & Electrical Supplies Power Accessories Wall Router PRICE: contract price Product Description Product Name: Wall routerProduct Function: Wall router main function is to signal conversion and signal amplification, 300Mbps transmission efficiency, signal strong, stable, either in hotels or home life, you give the user a perfect experience, more hotels, provide better customer service, avoid dropping Rom WIFI, causing distress to the customer. 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Other products 433m motor receiving board Price: contract price Beacon Price: contract price Multilayer pcba Price: contract price 3 in 1 gateway Price: contract price Company Info Dusun Electron Ltd. Contact Person: Alex TANG Phone: 86-0572-8823330 Contact now × Contact form Your name: Your E-mail: Your Phone: Subject: Enter a message: Close


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Designs by jillbyers
Jill Byers
Rhode Island USA
Hi! Thank you for stopping by to take a look at my designs! All designs are ©Jill Byers
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"When she told the suspects that she didn't any, police say the suspects shot and killed the family's dog."
"FOX 5's Carolyn Ryan reports that the family dog is alive."
But this is all over the news here and I pray for that girl's safe return. Scared my wife silly and made her a little more understanding about Misters Smith and Wesson.


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Continuous Engineering: Work Smarter With Configuration Management
AcdntlPoet Tags: configuration-management iot-support continuous-engineering engineering-lifecycle ibm-iot supce videos 2,185 Views
Continuous Engineering: Work Smarter With Configuration Management - Part 1 Video 1: Configuration Management in and across the Engineering Lifecycle. Get the big picture in this gentle introduction to the basic concepts that will be demonstrated in the...
from Blog: Notes from IoT SupportModified on by dmmckinn
From Innovate 2013: It's nearly time to say Goodbye and thanks for all the fish, reptiles and mammals! Community Blog
AndyGurd Tags: innovate2013 engineering-lifecycle systems-engineering embedded-systems plm relm embedded-software smarter-products systems engineering incose compliance method_park 2,872 Views
Wednesday at Innovate 2013 has been all about the breakout sessions and after 3 days of intensive learning & sharing it was time to have fun at Disney's Animal Kingdom. From today's sessions some of the highlights for product & systems...Modified on by AndyGurd
From Innovate 2013: Lean on Me – Ries, Woz and Beer! Community Blog
AndyGurd Tags: engineering relm embedded-systems rational smarter-products embedded-software engineering-lifecycle innovate2013 systems plm systems-engineering 3,668 Views
On the Main Stage at Innovate 2013 today the line up included guest keynote speakers Eric Ries (author of Lean Startu p) and the Woz - Steve Wozniak (Apple co-founder) . Eric talked about applying lean manufacturing and agile development principles and the Woz...Modified on by AndyGurd
Engineering Lifecycle Management Community Blog
GrantLarsen Tags: product-delivery rational sse systems engineering-lifecycle relm ram 5,463 Views
The volume of resources to govern in delivering products adds to the complexity of the delivery process. Rather I need to reduce the set of resources and their meaningful relationships to those views which are necessary for product management to make...


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U.S. Senators Jeff Bingaman and Pete Domenici today joined in calling on the U.S. Department of Agriculture (USDA) to take the necessary steps to ensure American consumers know where their food comes from.
After years of delay, mandatory Country of Origin Labeling (COOL) of fresh meat and produce will go into effect on September 30, 2008.
USDA has developed rules and regulations that implement COOL. Bingaman and Domenici said that while this program is long overdue there are improvements that need to be made to those rules to ensure the program operates as Congress intended.
In a letter to USDA Secretary Ed Schafer, the two New Mexico Senators joined colleagues in outlining several areas of concern that should be addressed before the program goes into effect Tuesday.
As the rule stands now, meat from animals that are born, raised and slaughtered in the United States may be labeled as meat from animals from multiple countries. The letter calls for meat from animals that are born, raised and slaughtered in United States to be labeled as such.
"The purpose of COOL is to clearly identify the origin of meat products, providing consumers the most precise information available. This interim final rule, if left without clarification and proper guidance of the issue, has the real possibility of undermining the program. Consumers and producers are expecting to see exclusively U.S. origin producer labeled as such," the letter states.
Additionally, products that are fried, broiled, gilled, boiled, steamed, baked, roasted, cured, smoked or restructured currently are exempt from labeling. For example a jar of raw peanuts would be labeled, while a jar of roasted peanuts would not. Additionally, a frozen vegetable, such as peas or carrots, must be labeled, but mixed frozen vegetables, peas and carrots, would be classified as processed foods and would therefore be exempt. The letter is asking USDA to develop a system that will allow these types of products to be labeled under COOL regulations.
The letter also suggests that USDA reconsider addressing the labeling of ground meat and the labeling of covered commodities of U.S. origin that are further processed or handled in a foreign country.
"Producers and consumers have waited long enough and deserve a common sense rule that accomplishes the goal of letting them know where their food products come from. Forty-eight other industrialized nations have an origin labeling program for one or more commodities, and farmers, ranchers and consumers across the United States support country of origin labeling," the letter states.
Source: http://bingaman.senate.gov/news/20080926-01.cfm


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Econo Lodge And Suites Lake
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Econo Lodge And Suites Lake
About the hotel
Property Location
Centrally located in Cornelius, Econo Lodge And Suites Lake is minutes from Raceworld USA and Lake Norman Visitors Center. This motel is within close proximity of Visit Lake Norman and Lake Norman Miniature Golf.
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A complimentary continental breakfast is served daily.
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Featured amenities include a safe deposit box at the front desk and an elevator (lift). RV/bus/truck parking is available onsite.
Hotel Facilities
- RV, bus, truck parking
- Safe-deposit box at front desk
- Number of floors - 3
- Outdoor pool
- Total number of rooms - 90
- Accessible bathroom
- Free WiFi
- Roll-in shower
- Free breakfast
- In-room accessibility
- Elevator/lift
- Meeting rooms
Room Facilities
- Free WiFi
- Phone
- In-room climate control (air conditioning)
- Refrigerator
- Microwave
- Iron/ironing board
- Hair dryer
- Cable TV service
- Coffee/tea maker
- Free local calls
- Air conditioning
Hotel Policy
Know Before You Go
- Children 18 years old and younger stay free when occupying the parent or guardian's room, using existing bedding.
The following fees and deposits are charged by the property at time of service, check-in, or check-out.
- Pet fee: USD 15 per night
The above list may not be comprehensive. Fees and deposits may not include tax and are subject to change.Show all hotel policy Show less hotel policy


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|Unico Hommes <un...@hippo.nl>
|Re: [RT] applying SoC on cocoon itself
|Wed, 20 Oct 2004 14:29:54 GMT
Sylvain Wallez wrote: > Stefano Mazzocchi wrote: > >> Sylvain Wallez wrote: >> >>> Stefano Mazzocchi wrote: >>> >>> <snip/> >>> >>>> and this solves *ALSO* the issue that was identified at the GT >>>> about "virtual pipeline components" resolving services locally or >>>> remotely (block-wise). >>> >>> >>> >>> The current problem with VPCs is the context in which relative URIs >>> must be resolved. We have not found a good solution for this as that >>> depends on the point of view that is considered. What we're missing >>> actually is the notion of "typed parameter" that would allow us to >>> absolutize a URI at the closest point where we can determine that it >>> is a URI and not a raw string. >> >> >> >> In the syntax I proposed, the uri="" becomes the identifier for the >> service (thru relative to the block that exposes the service) and the >> src="" becomes the identifier for the instructions for the service >> (thus relative to the block that requires the service). > > > > We already have this src="" attribute which currently is a raw string. > Does this mean that we will enforce the contract on this by > explicitely stating that it's a URI that will be resolved in the local > context where the instruction is written? > > We have to check if all of our current components use src as an URI. > I've often thought that the signature of the setup() method was wrong. The src parameter is passed as a String, the component is free to interpret it as anything it wishes. But I think this parameter was really only meant to ever be interpreted as a Source object. So instead of setup(SourceResolver resolver, Map om, String src, Parameters pars) the method should be setup(Source source, Map om, Parameters pars). That also unambiguously defines the meaning of the src attribute. >> I think this solves the issue. > > > > Mmhh... what if other parameters are also URIs? > Easy. There is no way for a sitemap to interpret it as anything but a plain string. If a component wants to interpret it as a Source it uses its SourceResolver. We'll have a special Source protocol that allows to get FileSources relative to the calling sitemap. -- Unico
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text: "We are all one in the spirit of love :). Theres never a stone at the sleepers head, theres never a fence beside, and the wandering stock o9n the grave may tred, unnoticed and undenied. but the smallest child on the watershed could tell you how gilbert died A.b Patterson." Christmas teradactylism.


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I recommend that you look at a FIST #1, A SideGuard, a N82, High Noon, and Milt Sparks brand holsters. those are names that keep popping up in these types of discussions though you will need to listen to others for experience with these holsters.
Here's a link to a N82 revolver thread:
N82 Holster for J-Frame (with pictures)


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Simon made it both to Ireland and back even with his expired Swedish residence permit. We did end up having a tiny drama leaving Sweden when it was discovered Simon had overstayed his visa here. At least on paper, once the application for an extension is in the permit is extended until a decision is made but since our application hasn't been processed yet it doesn't show up in the systems.
In the end the police at the passport check let Simon travel when we explained that we've handed in an application for an extension and that we've been told that travelling was ok once the application was in (which was what Simon was to when he called up the Migration Board). We had the document from the Migration Board (confirming that the application was registered and the date for that) with us which I think helped.
In the UK, where we transferred flights, and Dublin there was no drama. Entering Sweden again (which we thought might be an issue) went smoothly too. So in the end we were nervous for nothing. 🙂residence permit, travel


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|Report: Dwight Howard agrees with Hawks for 3 years, $70 million without meeting Celtics
|07.01.16 at 7:12 pm ET
This will probably come as a relief to plenty of Celtics fans, but Yahoo is reporting that Dwight Howard has agreed to a three-year, $70 million contract with his hometown Hawks.
Howard had been expected to meet with the Celtics in the coming days, but he canceled all of his remaining visits after striking a deal with the Hawks.
Howard, 30, was the No. 1 overall pick in the 2004 draft out of Southwest Atlanta Christian Academy by the Magic. He has averaged 17.8 points and 12.7 rebounds for his career, and has also played with the Lakers and Rockets.
He reached the Finals in 2009 by knocking out the defending champion Celtics in the second round after the C's had taken a 3-2 series lead. He averaged 16.4 points and 17.1 rebounds in that series before losing in the Finals to the Lakers.
Howard had been linked to the Celtics this offseason, but his back-to-the-basket game didn't necessarily fit Brad Stevens' system. The C's are expected to make a hard push for Hawks big man Al Horford, who becomes expendable with Howard now in the fold.
|Terry Rozier gets his chance to prove doubters wrong: 'A lot of people doubt me since I've been here'
|03.12.16 at 10:13 am ET
With Jae Crowder down with an sprained ankle the and the Celtics struggling badly to handle the big men of the Rockets, Brad Stevens got creative Friday night. And rookie Terry Rozier was ready at the call.
He was inserted in the lineup late in the third quarter and provided a spark to an already small lineup that was without a key big man.
"Just stayed in the gym. A lot of people doubt me since I've been here. I don't even want to get into that but just stay ready," Rozier said. "Just stay in the gym. I've got a good group of guys around me that help me stay ready so with them, the coaches and me being the gym a lot, it just built my confidence up a lot."
Rozier played just over 10 minutes, his most playing time since 12 minutes against Orlando in a 19-point loss on Nov. 29.
The Celtics lost 102-98 but the biggest bright spot that came from the defeat was how the rookie out of Louisville handled himself off the bench when the game was still up for grabs.
With 2:22 left in the third quarter and the Celtics trailing by just five, 73-68, Rozier came in for Isaiah Thomas and provided a spark, and showed no hesitation. His first shot was a made 3-pointer with 11:17 left in the fourth, cutting the Rockets' lead to three, 79-76. Most impressively, Rozier hit the glass, grabbing seven rebounds in 10 minutes, including three off the offensive glass.
"I didn't know my number was going to get called," Rozier said. "When I got off the bench, I was like, 'I'm just going to play hard, no matter what.' Coach knows I'm a good rebounder, so that's one of the things I wanted to do. Go help our bigs, go help our team, go rebound and just push the ball and just try to create for my teammates. I tried to do the best I could. It just kind of worked out for me."
"I felt like when we put Terry in – the key question whenever you're that small is 'Can you hold your ground?' number one; number two is, 'Can you rebound?' And I thought Terry rebounded as well as anybody on our team," Stevens said. "So, that was really encouraging and that's what he does well and so we decided to play that kind of small. And it was probably good for a little bit and probably ran its course."
In a season that has seen not one but two teams make a legitimate run at winning every home game, the Celtics had a nice home court run of their own at 14 games coming into Friday night.
But the Rockets' size and the Celtics' cold shooting (8-of-31 from long distance) put an end to that Friday in a 102-98 Houston victory at TD Garden.
The last time the Celtics lost at home was Jan. 6 to Detroit. In that span, the Celtics went on the longest home winning streak since the TD Garden opening in 1995 and the longest since an 18-game run in 1991.
"We didn't really know what that felt like," Isaiah Thomas said of the loss. "It was tough, getting that feeling again, especially at home. I feel like we let our fans down. [The] good thing about the NBA, short memory, you got another game in a few days."
The Celtics hit the road for a game in Indiana Tuesday before hosting the Thunder on Wednesday night. The Celtics play three of their next four on the road, also playing in Toronto next Friday before a game in Philadelphia next Sunday.
During their 14-game run, the Celtics were able to take advantage of the home crowd and feed off the energy, coming from behind at halftime in four of their previous five home games.
But on Friday against the Rockets, the Celtics were never able to find an offensive rhythm in the second half, shooting just 37.4 percent for the game.
"Man, we couldn't hit shots, point blank, period," Thomas said. "We came back. We were getting the shots we wanted, and they were just going in and out."
The Golden State Warriors are 29-0 at home this season and extend their own NBA record for home wins (spanning two seasons) with each successive victory. Their streak currently stands at 46 games. The Spurs are 31-0 on their home court and have a string of 40 straight wins, tying the Orlando Magic for the third-longest in NBA history.
|Mike Petraglia, Sam Packard on how Celtics home court streak ended against the Rockets
|03.11.16 at 11:58 pm ET
James Harden had 32 points and Dwight Howard chipped in with 12 points and 12 rebounds as the Houston Rockets snapped the 14-game home winning streak of the Celtics, 102-98, Friday night at TD Garden. Isaiah Thomas had 30 points to lead the Celtics, while Jared Sullinger added 24 points and 12 rebounds. Celtics forward Jae Crowder suffered a high sprain of his right ankle in the third quarter and will have an MRI on Saturday. The Celtics fell to 39-27 while the Rockets improved to 33-32.
|Brad Stevens has 'positive vibes' about Jae Crowder and his high ankle sprain, MRI Saturday
|at 11:19 pm ET
The Celtics and coach Brad Stevens might be holding their breath a bit on Saturday.
An MRI has been scheduled for forward Jae Crowder, who suffered a high sprain of his right ankle in the third quarter of Friday's 102-98 loss to the Rockets at TD Garden.
Crowder was driving to the basket for a layup and came down awkwardly under the basket. The injury happened with 9:08 left in the third quarter. He fell to the floor and was slow to get to his feet. He limped down court and initially stayed in the game before coming out for Evan Turner a minute later. He did not return.
"I was on a fast break, and I came down in an awkward way, and I got up and I didn't feel good," Crowder said. "Come to find out I just sprained it. High ankle sprain."
It may not have felt good but the prognosis is promising, according to Celtics coach Brad Stevens.
"So Jae sprained his right ankle, twisted it in. Doesn't have much swelling right now so it looks good," Stevens added.
"They're going to do an MRI on it [Saturday] and figure out if there's anything above what they think right now. But I got mostly positive vibes as I was talking to him and then also to our doctors and trainers that it won't be a long-term thing. But we'll see. We'll know more [Saturday]."
"It affects us because he's a big part of this team," added Isaiah Thomas. "We need a guy like that out there. At the end of the day, when something like that happens, someone else has to step up, fill his shoes and step up, and we just fell short."
Well Suzyn, in life all good things come to an end.
The Celtics had their 14-game home winning streak snapped after a 102-98 loss to the Houston Rockets on Friday night.
James Harden was dominant down the stretch, scoring 23 of his 32 points in the second half. Michael Beasley, playing in only his fourth game this season after starting the season in China, added 18 off the bench.
Jared Sullinger recorded a his 21st double-double, scoring a season-high 25 points and grabbing 12 rebounds in the loss. Isaiah Thomas (30) and Avery Bradley (16) were the only other Celtics in double-figures.
After trailing by as much as eleven, the Celtics made a number of runs in the second half, but were never able to overtake the Rockets. The team especially struggled to make shots, finishing a dismal 37 percent from the field.
The (39-26) Celtics will travel to Indiana to play the Pacers on Tuesday night, before returning home to play Kevin Durant, Russell Westbrook, and the Oaklohoma City Thunder on Wednesday night at the Garden.
For a complete box score, click here. Read the rest of this entry »
|Celtics looking for 'locked in and engaged' effort to handle Dwight Howard, James Harden, Rockets
|at 4:36 pm ET
The Celtics have had their fair share of success this season handling big men with big efforts from the likes of Jared Sullinger and Jae Crowder.
Last week, in the span of 24 hours, Crowder was asked to handle Carmelo Anthony and LeBron James. The Celtics rallied to beat the Knicks on Friday and had James bottled up for the first half in Cleveland before James and the Cavaliers wore down the Celtics in the second half.
The Celtics didn't have their best defensive effort against DeAndre Jordan and the Clippers but they found a way in overtime.
Against the Kevin Durant-less Thunder in November, they allowed Russell Westbrook 27 points but Serge Ibaka scored just 16 and the Celtics beat the Thunder, 100-85, in Oklahoma City. And against the very team they face tonight at the Garden, they held Dwight Howard to four shots, five points and 12 rebounds in 30 minutes. James Harden was just 4-of-10 in 30 minutes for a total of 16 points. The two combined to make just 6-of-14 shots as Boston prevailed in Houston, 111-95, on Nov. 16.
"Like I've been saying all year, all five guys on the court have to be so locked in and engaged on taking away what they like to do and just making it tough for them," Crowder said. "We have a great game plan going into tomorrow night. We'll throw a lot of different coverages at those guys on the pick-and-rolls and stuff like that. It takes all five guys. It's just not one player against their scorers or one player against Dwight. It just takes all five guys to get him off the glass and do everything. I think once we have that, we have control of the game."
Howard is still regarded as one of the best pick-and-roll players in the league.
"I don't know if he's the best," Crowder added. "I know he's a heckuva player. I know you're aware that he's down there. He's a good presence and he's a vocal part of their team. Try to take it away."
The Rockets come in at 32-32 and in the eighth and final playoff spot in the West. The Rockets were not able to trade Howard at the trade deadline. Since holding onto Howard, the Rockets are 5-4, including two straight wins. Howard, to his credit, has responded. In those nine games, Howard is averaging 17.1 points and 12.4 rebounds, including 9-for-12 from the field in each of Houston's last two games.
"Howard's playing at a really good level," Brad Stevens said. "I think he's like 18 and 13 over his past seven games or so. Harden's numbers are off the charts again for the year. And they're more healthy than I remember them being when we played them last.
"Obviously, you've got [Patrick] Beverley back in the lineup. He's a winning player. He makes a lot of great plays for them. And then [Donatas] Motiejunas is playing more now since he's been back and starting. And obviously he had his career high last year here. So a lot of good talented players in addition to [Trevor] Ariza and [Corey] Brewer who are kind of their glue on the wings. Those guys are tough to play against. It's a highly-talented team. I mean, they were in the Western semis for a reason last year and we're going to have to play really well."
"We always had the same goal," Crowder added. "We came into the season with the same goals and this just gets a step closer to where we want to be, and that's win a playoff series and build from last year. We got to the playoffs last year. We didn't win any games so we want to win a series now and build from that and build from that. Right now, we're headed in the right direction. We just have to keep winning, keep taking care of us each and every day, which is at practice. Come game time, we'll be prepared and ready."
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Teifi Valley Railway
It has been more than a century-long history of an exciting journey to look back to for Teifi Valley Railway and everyone that is connected with it. The Teifi Valley Railway Railroad as seen today is the latest gauge that is set on an old track bed.
Welcome to Teifi Valley Railway website, where you can find information about our illustrious history and rich heritage.
The Teifi Valley Railroad as seen today has come of age. It has a long, illustrious history and has witnessed many changes since it came into existence for more than a century ago. The Railroad as seen today is the latest gauge that is set on an old track bed.
Originally designed as the Carmarthen-broad gauge caliber line to Cardigan, it was intended to obtain public and goods to Cardigan through market towns such as Newcastle Emlyn and Llandysul and in 1854, it received an Act of Parliment to purchase the lands of Carmarthen to Newcastle Emlyn. In 1860, the line was temporarily opened from Carmarthen to Conwil and operated by the South Wales Railway.
It was 1861 when the railway was reopened, and the line was under the ownership of the Carmarthen and Cardigan Railway, and three years later extensions to Pencader and then Llandysul were done, where a horse-drawn bus could be caught for the remainder of the journey to Cardigan. By 1872 the line had been converted to a standard gauge, although the pieces had already been of mixed gauge, and therefore the second gauge of the gauge had been placed in the bed of the gauge. However, things did not as planned. The line was bankrupt when it came to Llandysul, and soon it was realized that Cardigan would not be accessible because Cenarth had already become a tourist destination due to its waterfalls. This, combined with a road meant there was no room for a railroad in the gorge.
However, the railway line was not in disuse. The Great Western Railway in 1881
brought the track and in 1895 had transferred its terminus to Newcastle Emlyn, which served from that point until 1973 when it finally closed the line. A group of volunteers did make attempts to acquire it and preserve it as a standard gauge line, it never succeeded.
In 1981, some group of enthusiast's people purchased the track bed, and in 1983, with the financing of The Manpower Services Commission, the new two-foot gauge was established, and the Teifi Valley Railway was born. The line begins in Henllan where the old platforms, cattle docks and sometimes in the summer season footings can be seen. Pontprenshitw served as the first terminus. Since then there have been two additional extensions, one to Llandyfriog and another to the current end of the line due to the half of a bridge that collapsed into the river. The platform is often called "riverside."
"The friendliest railway in West Wales"
Hop on the Train Ride: Join the Lol Epic Shop
The League of Legends is one of the online multiplayer games that has continued to soar on the popularity charts constantly for the past few years. It is MOBA (Multiplayer Online Battle Arena Game), which was launched for the first time during 2009. The game, produced by Riot Games, was meant for Mac and PC but the latter version was closed subsequently. The lol epic shop represents where the majority of the players of this game buy a smurf account.
Influence Points
The players make use of Influence Points as the chief currency while playing the League of Legends. The total earning is dependent on a number of factors that include the game result, the number of bots during the game as well as the summoner level. Players can use influence points, referred to as IPS, as well for purchasing in-game items, such as champions and runes.
Riot Points
This represents an alternate currency provided to the players, and it could be procured with the help of prepaid Riot Point Game Cards, debit/credit cards, and PayPal.
Riot Points might be used for unlocking rune pages, champions and various kinds of boosts, however, they can't be used for purchasing runes.
Runes bring in a kind of personalization to the League of Legends. Players are permitted to amplify an assortment of stats, such as movement speed, health, damage, manna regeneration as well as a number of other stats, thereby allowing them to play without altering the champion, however in a distinct manner, depending on available options for rune and mastery.
Players have the opportunity to pick from a big number of champions that continues to go up on a weekly basis.
The players have to make use of Riot Points or Influence Points to unlock the champions before utilizing them. Nevertheless, every week a lot of free champions are available for playing, thereby providing summoners with an opportunity to test the champions before opting to purchase them.Read More
Singapore Corporate Gifts: Selecting Corporate Gifts for Railway Clients
It seems quite difficult shopping for corporate gifts in Singapore with the variety of gifts available in the market. Shopping for Singapore corporate gifts requires one's good eye for details and as much patience as possible.
Inquiring about the Receiver – An important factor in searching for Singapore Corporate Gifts
Finding corporate gifts can be easier with some proposed steps. The search for the best corporate gift is determined by how much you know the recipient. Having knowledge about the recipient is important and if you are not in the right position to acquire direct information, probably get information from a close relative, friend or acquaintances. Information necessary includes hobbies of the clients, family, and common interest. The essence is, the more personal information you are able to grasp, the easier it is fulfilling the purpose of getting the best gift.
After acquiring information about the recipient, then at this stage, the choice of the recipient will be glaring. The gifts choices will begin to surface and whatever choice is not good enough will be eliminated from the list. Thus, the shopping process is becoming easier. As the choices are narrowed down, the viability of the gift is analyzed. Gifts that promise reoccurring use are best for corporate gifts. Examples are watches, calendars or stationaries.
Despite narrowing down your list for the choices of gifts, it is best to review the list constantly.
Corporate gifts are not just like any other regular gift, place quality above any other criteria. While shopping, pick Singapore corporate gifts manufactured with high quality and gifts with good customer review. Due to the reoccurring use of the gift, noticing the brand name will be a regular thing for peple. Consider the durability of the gift when shopping, so your brand is known for its keen eyes for quality.Read More
Running The Rail Through A Virtual Office - Essential Software Required
A virtual office is a business that exists over a computer network. This setup allows the business owners and members of staff to operate the business from anywhere using the internet and technological gadgets such as personal computers and mobile phones.
In order for flexibility in the operation of a virtual office, the use of a software is unarguable. There are varieties of software packages to put into consideration based on the particular field of business. Below are categories of some software packages that will add some flexibility to your workflow:
- E-mail –ISP provided email services, so also the use of Microsoft Outlook Express or Eudora. The most basic difference is that when using the e-mail program provided by your ISP if you need to migrate to another ISP, you will have to change programs.
- Word Processing – Employ the use of Word Perfect, Microsoft Word, Lotus or Word Pro. The above vary with operating systems.
- Spreadsheet and Database – Programs to be employed include Microsoft Excel, Lotus 1-2-3 or Sheetster.
- Presentation – Programs to be employed include Microsoft PowerPoint, Prezi, Slideshark or Haiku Deck.
- Virus Protection – Programs to be employed include Norton Antivirus or AVG Antivirus.
- Utility Program for Computer Maintenance – This is designed to help analyze, optimize or maintain a computer. Programs include McAfee or Symantec Norton Utilities.
- Readers – This are used to view, create, and manipulate files in portable document format (PDF). Programs to be employed could be Foxit Reader or Adobe reader.
- Graphics/Image editing tool – Programs to be employed can be either Adobe Photoshop, Adobe illustrator or Microsoft Paint.
- Internet Browser – Programs to be employed can be either Microsoft internet Explorer, Microsoft Edge, Mozilla Firefox or Google Chrome.
There are business packages that exist in "suites". They provide all or some product categories listed above, some of the popular packages are:
- Microsoft Office
- Adobe
- Corel
There are less expensive versions of some software that may be applicable to small businesses. They are referred to as light versions. They are available for use in your virtual office in both Windows and Macintosh Operating systems.Read More
Tips For Selecting Business Accounts Software For A Rail Business
Accounting software describes a type of application software that records and processes accounting transactions. With the advent of accounting software packages, there has been a reduction of human errors. Businesses these days all employ the use of business accounts software for bookkeeping and monitoring revenues. Accounting software is used for predicting sales and to supervise the directory. Unlike the remote times, when bookkeeping meant putting figures down with pen on paper.
With the variety of accounting software packages available for use by businesses, it makes it difficult to select one out of the many available. In order to ease the stress of selection, these are three tips to guarantee you success in finding the software that will serve your business necessity.
- Consider your Accounting skill and necessity.
Having knowledge about your business is the first step to selecting a software. Understanding your business operation is also an important factor. Analyze the different software available in the market based on what they can handle and relate it with the understanding of your business. Every software has a need to satisfy.
- Consider Cloud computing
Cloud computing makes use of a network of servers remotely hosted on the internet to process, manage, and store data. The array of advantages attached with cloud computing varies. Accessibility to the data can be from anywhere, anytime provided there is access to the internet. It's a type of guaranteed security of data. Businesses implementing cloud computing reduce annual operating cost.
- Never lose sight on your budget.
Business accounts software is available to meet all budgets. Exclusivity holds in the case of application software. The premium software has more functionality than the light version otherwise regarded as the trial or free version. All boils down to the service needed to run your business accounts. Most importantly your need should not choke your budget.Read More
Quality Rail Solutions - Gotham Steel Frying Pan Reviews
Cooking is supposed to be so much fun, effortless, and a talent that you can continue to improve and sharpen with time. But, one thing that would swiftly and easily crush your cooking experience is using a pan to which everything sticks for your cooking. A lot of cooking sprays are loaded with calories and you are at an advantage without them. In addition, most non-stick pans make use of a substance referred to as Teflon, which can be hazardous to your health. If you really desire an alternative to the classic option of pans, then you may want to consider Gotham steel frying pan reviews. This brand has created a non-scratch and non-sticky frying pan, that you can count on over and over again.
Gotham steel is a recognizable and very highly rated pan brand and if you have not heard about it before, then you'd be delighted with what you'll get. The pan is designed in a way that allows you to relish non-sticky cooking each time you place the pan on the stove. In addition, it is certainly not necessary to add oil, butter or other substances to the pan to experience the non-sticky effect; it is the surface of the pan that has the non-sticky technology. With the non-stick frying pan technology, you will also be able to keep your diet as you are not compelled to add unwholesome fats to your food.
Selecting the ideal pan is never easy particularly if you are unfamiliar with the materials that are commonly used in making pans or if you have not come across many Gotham steel frying pan reviews. This non-stick pan especially is made with non-stick ceramic and super-strong titanium. Combining these two metals, this pan delivers optimum results. In addition, titanium and ceramics are very long-lasting, so you can presume the pan will last for many years.Read More
Crossword Quiz Answers - Educational Significance Of Crossword Puzzles
Firstly, solving crossword puzzles require several useful skills including reasoning, spelling, vocabulary, and word-attack skills. To achieve correct crossword quiz answers, a person must have the ability to recognize and comprehend the terms used. This usually involved the acquisition of new terminology or vocabulary. It may also involve making distinctions between words or similar expressions.
Correctly decoding crosswords also demands exact spelling which means practicing dictionary skills for a student. Other essential skills needed to complete these puzzles include inferences, evaluating options, and arriving at conclusions.
One more benefit of using crosswords in the classroom is that they are linked with recreation, and perhaps are intimidating for students as screening tools. Any student who normally resists practice exams, flashcards or review sessions with their teacher would discover that puzzle solving is much less intimidating and more like playing a game.
Crossword puzzles also have the benefit of attracting varied learning styles. Visual learners usually have strong skills to solve puzzles, and have great fulfillment when they finish one. Auditory learners benefit from step-by-step reasoning, so they gain the sequential steps of filling out a crossword grid. Also, kinesthetic students enjoy the multi-task tactics needed to solve a crossword puzzle.
Lastly, crossword puzzles have the advantage of being personalizable to study content. Puzzle creation websites and software are numerous and easy to use, so teachers can develop curriculum-specific crosswords without any problems. Whether you study geometric terms, the water cycle or Abraham Lincoln, a crossword puzzle with subject-specific expressions can be created easily and in a short period of time. Crossword puzzles have been a popular national pastime because they appeal to all ages, they can be finished in a fairly short period of time and getting the crossword quiz answers give a feeling of triumph.Read More
Kim Dao Japan - Social Media Influencer Marketing In Japan
Japan has always been a diverse country in terms of food, general customs, people's attitude, art, and so on. This is what makes the country so astonishingly interesting, but when it comes to marketing, it can suddenly be an overwhelming task. Here are a few things that brands can face when they go into the influence marketing arena, just like Kim Dao Japan who has numerous videos of fashion, makeup, and travel for her Kim Dao channel on YouTube.
BRANDS EXPECTATION vs REALITY
A lot of brands come with world campaign ideas and want to apply the same strategies to the Japanese market like they did in other countries. This can take a little tweaking and the process can be a bit intimidating. Instagram promotions may be easier to do since Instagram is independent, just a few things differ with respect to expectations. However, blogs can cause many problems due to lack of feeling of luxury and low-quality photos. A lot of blogs in Japan are hosted on limited feature blogging platforms that regularly lack transparent information monitoring.
Influencers are just like off-the-rack marketing machines. They are awesome! However, a lot of Japanese influencers can be quite inexperienced about the overall process. Most of them need step-by-step aid and regularly require someone to call them to explain the points. Some do not use e-mail on a computer and many others struggle to use Word or Excel documents. Notwithstanding, when properly managed, they are undeniably wonderful to work with. Many of them practice great due diligence, hardly having a typo in articles along with photos that are gorgeously take in a Japanese way. They are helpful, courteous, and pleasant.
If you have a good campaign aimed at the appropriate crowd of people through the use of the popularity of influencers like Kim Dao Japan, it can be an extremely potent tool for marketing.Read More
Compression Systems For The Rail Industry - Types Of Air Fittings
When constructing, repairing or modernizing an air system, you have a lot of options with regards to air fittings. Air fittings are a vital part of all compressed air systems. They assist in redirecting the pipes through which the air flows, as well as provide air to the users if necessary. Examining each of these types of air fittings to see what their potential uses are would be a great place to start.
Fitting Sizes
One of the most recognizable differences between the various types of air fittings is their size. The National Pipe Taper (NPT) standard regulates the sizes and configurations of air fittings. NPT sizes usually come in inches, but the NPT size, in general, does not equal the real size of the fitting. The fittings would also be designed to be compatible with different tube sizes as well as different port sizes.
Straight Air Fittings
The most primary type of air fitting are the straight air fittings. They have an air line at an end and at the other end is a female or male thread that links to a boss (the device that takes in the air supply), which could be valve, tool, an air cylinder or another component of the air compressor.
Elbow Air Fittings
Elbow air fittings enable the air line to link with it's fitting at an angle. A majority of elbow air fittings come with a spinning feature so that once the fitting is connected the air line connection can be rotated for it to come from the most suitable direction.
Rotary Union Air Fittings
The rotary union conquers the limitation of the elbow fitting and allows the air fittings to constantly move while in use. It is basically an elbow fitting that can rotate without undergoing any wear. This effect is obtained by using ball bearings.Read More
Window Tinting Perth - Providing A Service To The Rail Industry
A majority of the inhabitants of Perth install tinted windows to reduce the rate of heat from their houses and cars, and also to minimize glare through the windows. Tinting your windows will protect your floors and furniture from discoloration caused by UV damage. Tinting can also lessen the heat coming into your home through the glass by as much as 79%. Glare can be minimized by up to 87%. So, if you stay in Perth and are on the lookout to buy tinted windows then there are a couple of things you need to understand to make sure you choose the best window tinting Perth service for your specific situation.
The first one and arguably the most important thing you need to realize about window films is the difference between bad quality and good quality window film. Here is why; premium window film endures for the lifespan of your windows, while the poor quality window film only lasts as much as three years, particularly in Perth.
The only way a beginner will be able to differentiate between good and poor quality films is cost and guarantee. When discussing with a supplier, ask how much guarantee there is on the film, if less than 12 years, then keep looking. And also pay attention to the dishonest operator who offers a guarantee on poor quality film and then raises the price up so it looks like a good film, but who will then not be around or just do nothing if you return to them because the tint has failed.
So here is a clue, if your only reason for getting quotes is to search for the cheapest possible then you will probably buy a product that is trash and the actual price you pay will be in about three years when the windows start to blister, discolor, and/or fall off and look awful. Be warned, the lowest price will probably lead to regrets! Grab a quote from a quality window tinting Perth service provider today.Read More
Photo Shoot Sesion Con El Fotografo J. Leal - Tips For Success
Coupled with being very creative, challenging, fast, and fun, photo shoots, like a sesion con el fotografo J. Leal, can also be very demanding if you are not well prepared. Just as any project, the more experience you have, the smoother the next project will run.
There are some essential points to remember about photo shoots;
- Planning is vital. Because photo shoots take place during a set window of time, and typically capture a circumstance or environment that has been mounted, planning is very crucial to make sure that you are able to make use of the time to its full potential.
- Plan long days and recognize that no matter how well you plan, surprises might seem to pop up somehow.
- Make your lists. And bring printed duplicates to the shoot.
- Bring more duplicate copies of the list to the shoot. This will assist your team (and you) to follow the program/schedule. This will also enable your team to plan ahead and models prepare for the next scenes.
- Create a detailed calendar. Include a time stamp in your schedule in case things take longer than expected so that it doesn't mess up the day. Allow time for staging and breakdown. Also allow time for meal breaks.
- Clean up along the way. It is a lot easier to stay organized and it will be less daunting at the end, so clean up as you go along.
- Define all roles and responsibilities. Once you have set your schedule and all accompanying lists, approach your internal team and client team to define the characters and responsibilities. Assign an individual to every task and set a deadline.
Renting of equipment should come from a place with a good reputation. If you do not have all the equipment you need, then it shouldn't be a problem. Go rent from a reputable business. This allows easy and inexpensive access to a great set of equipment. And they usually provide backup for items like light bulbs that could explode.Read More
Choosing The Best Mattresses For Back Pain - Innerspring Mattresses and Memory Foam Mattresses
Some mattresses are distinctly better than others in the prevention/performance of pain relief, including back, hip, and shoulder pain. To discover the best mattress for back pain, then you need to carry out some research. The following are the comparison of two types;
Spring mattress
Spring mattresses are undoubtedly the most generally used. They support helical springs, and in most constructed today, each coil is enclosed individually. This helps the bed cope with the years of use and prevents coils from sticking out of the mattress. At the top of the coils is a wide collection of materials added for total comfort, ranging from latex to pillow to memory foam. Everything is a matter of preference.
Pros: There are a lot of spring mattresses in the market to choose from. They are known for their firmness, pillow top fluffiness, and the price to suit almost every taste and wallet.
Cons: There is no straight relationship in most scenario between comfort and price, but most doctors recommend avoiding the cheapest innerspring mattress. In the case where there is a shortage of springs and cushions to provide adequate support, you are likely to wake up with a back pain.
Memory Foam Mattress
Memory foam mattresses are gaining popularity today. They are composed of layers of different foam densities that meet the weights and temperature and are recognized for their comfort because they follow the exact outline of your body.
Pros: By molding to the outline of the body, when you roll over your weight as you sleep at night, memory foam decreases pressure points and soothes the pain.
Cons: One of the issues with memory foam mattresses that is very apparent is that due to the temperature sensitivity of these mattresses, coupled with the softening and molding with the body heat, they can make you feel exceptionally hot at night.
Having a good night's sleep depends on many factors – comfort, stress level, ambient temperature – but to do well, the best mattress for back pain should be your starting point.Read More


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Yep. Four basic ingredients. One bowl. Done.
Oh yeah, and it's low-fat. Please, thank you, you're welcome!
1 can Hormel 98% Fat-Free Turkey No-Beans Chili
2 8-ounce packages 1/3 Less Fat Cream Cheese, softened
1 can Fat-Free Refried Beans
1 cup Reduced Fat Cheddar Jack Cheese, finely shredded
(serve with pretzels, fritos, or tortilla chips -- would be great with sturdy veggies, too!)
In a medium-large bowl combine the refried beans and cream cheese. Mix until smooth and spread over the bottom of the bowl.
Pour chili over cream cheese/bean mixture. Spread evenly.
Sprinkle shredded cheese on top.
Cover tightly until ready to serve!
This dip can be served warm, cold, or at room temp. It's delicious either way. We served it chilled and seriously, it was SO GOOD. I would happily much on just the cream cheese and bean mixture - that was my favorite part by far.
This is all we had left after serving it on Saturday night:
I would eat this with a spoon if it wouldn't be frowned upon. I think this would taste phenomenal with taco meat instead of chili... or even shredded chicken with fajita spices. YUM
Enjoy it now or pin it for later!
I'm linking to:


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Week In Review
March 8, 2010
$420B in Retirement Plan, Endowment Assets Expected to Change Hands in 2010
Retirement plans, endowments, foundations and other large investors in North America will turn over $420 billion in assets to new investment advisors, according to the "2010 Consultant Search Forecast" survey of 70 leading investment consulting firms with more than $7 trillion in assets under management, conducted by eVestment Alliance and Casey, Quirk & Associates. The change will be driven by sponsors looking for strong capabilities in developed and emerging markets stocks, hedge funds, hedge funds-of-funds and inflation-protected strategies.
Last year, consultants placed approximately $378 billion with new investment managers, their primary concerns being international and global equities, domestic stocks and core/core-plus fixed income.
"As many in the institutional investment industry are expressing a sigh of relief after a turbulent 2009, [we are now seeing] the beginning of a post-crisis thaw in strategy-driven search activity," said eVestment Principal and founder Heath Wilson. "Another key finding in this year's consultant survey is the apparent dissatisfaction with incumbent managers, particularly in traditional asset classes," added Yariv Itah, a partner with Casey Quick. "This will increase pressure on investment management organizations to think strategically about their strengths and weaknesses and to effectively manage their consultant and client relationships."
$1 Million Not Enough For Retirement, RIAs Claim
While the average American family believes $1 million is the gold standard for retirement savings, a new survey by Scottrade Advisor Services finds that most independent advisers think this number is way off. Seventy-one percent of 226 RIAs polled said that the average family needs to save double or triple that amount.
The recommended investment goals for Generation Y (ages 18-26) are the greatest. More than three-quarters (77%) of advisers recommend a goal of at least $2 million, with 40% recommending more than $3 million. Generation X (ages 27-42) should save between $2 million and $3 million, according to 46% of RIAs surveyed.
Thirty-five percent of advisers polled feel that Boomers (ages 46-64) need between $2 million and $3 million to retire, with another 13% believing that they should have more than $3 million.
Seniors (ages 65+) are the only generation for whom $1 million might be sufficient savings, with 44% of RIAs saying $500,000 to $1.5 million is a sufficient target.
Sheryl Garrett, the founder of The Garret Planning Network, an international network of fee-only advisers, said that younger people often have an "illusion of wealth," in which $1 million sounds like an endless supply of money, but once you take a million dollars and factor in that an 18-year-old might not retire for another 49 years, a conservative annual inflation rate of 3% would place that $1 million at something closer to $4.3 million.
Frugal the New Normal, Schwab Survey Shows
Wealthy investors will continue to be careful with their money, Charles Schwab found in a survey of 1,100 independent advisers with more than $252 billion in assets under management.
Thirty-two percent said "frugal spending habits" will be the new consumer behavior with the greatest staying power. This jibes with similar reports from Booz (see MME, Feb. 24, 2010, "Consumers Can't Shake Frugality, Booz Survey Shows") and Allianz (see MME, Feb. 10, 2010, "New 6% Savings Rate to Funnel $800 Billion to Investments Annually").
In the Schwab survey, the emphasis on frugality was followed by a "focus on saving money," cited by 26% of the advisers. All told, 59% of advisers expect consumer savings to increase in the next six months, and 62% said their clients are more focused on paying off debt.
That said, 55% of the advisers believe the current national savings rate of 4.8% should be at least 9%.
"Advisers tell us that the pain of the last 18 months may have been the catalyst for some positive behavioral changes regarding saving and personal financial responsibility," said Bernie Clark, senior vice president and head of Schwab.
Perhaps because of their clients' new sensitivity to saving, only 57% of advisers said achieving client goals will be "very or somewhat difficult," down significantly from 84% who were pessimistic about this a year ago. Also, 31% of advisers said their clients need reassurance, down from 49%, and 65% expect the S&P 500 to rise in the next six months.
However, Clark urges advisers to continue to be conscientious about working with their clients: "We know from this study that advisers have spent considerable time over the past year communicating with their clients, but while many advisers say they are in more of a 'back-to-business' mode, there is clearly a continuing need for advisers to play a role as educators for their clients."
72% of Workers Age 60+ Putting Off Retirement
A troubling 72% of workers age 60 or older are putting off retirement because they don't have enough funds, according to a survey of 700 people Harris Interactive conducted on behalf of CareerBuilder.
The situation appears worse for women, 76% of whom are delaying retiring, than for men, with only 68% of them putting off leaving the workforce. In addition, 50% of the respondents want to keep their jobs because of health insurance and additional benefits.


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Town of GarnerHome Menu
Trash Pickup on One-Day Delay May 29-June 3; Town Offices Closed May 29; Observance to be Held at Memorial
Post Date:05/19/2017 11:18 AM
Return to full list >>
Solid waste collection in Garner will be on a one-day delay during the week including Memorial Day (May 29-June 3). There will be no collection on Monday, May 29 (Memorial Day). For more information about solid waste collection, please contact the Public Works Department at (919) 772-7600.
Town offices will be closed Monday, May 29 for the holiday. Garner's annual Memorial Day observance will be held May 29 at 1:30 p.m. at the Garner Veterans Memorial, located just inside Lake Benson Park (921 Buffaloe Road).


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Killbuck Photo exists to encourage and enlighten all photographers, from amateur to pro.
We meet the second Monday of each month at Community Hospital Education Center located at 1923 N. Madison Avenue, Anderson, IN 46012. The meeting begins at 6:30 p.m.
For detailed directions on naming of your digital files refer to this link. http://killbuckphotoguild.wordpress.com/information/digital-image-naming-format/
For detailed directions on submitting your digital files follow this link. http://killbuckphotoguild.wordpress.com/information/digital-image-submission-formatting/
The bonus category for the month of February is: Potents & Potables.
Anyone interested in photography is encouraged to become a member of Killbuck Photo. Membership fees are $20.00 per person, or $30.00 per couple or two family members. You may also become a lifetime member for $200.00. All annual membership fees are due in January.
Current Officers for 2016:
President: Bert Happel - firstname.lastname@example.com
Vice-President: Calvin Teeter- email@example.com
Secretary/Treasurer: Pam Teeter - firstname.lastname@example.com
Webmaster: Kim Butler - firstname.lastname@example.com
Education: Stephanie Metz
Hospitality: Kathy Stevens
Photos by Pam
Images by Randy M.
Photos by Kimberly
Images by John M.
Photos by Bert Happel
Photos by Harvey
Photos by Linda E.
Images by John O.
Photography by Calvin
Images by Stephanie
Images by Becky
Photography by Steve
Photography by B. Grimball
Photos by Laura
Images by Jean
Images by Cherie
Photos by Steve Napier
Images by Kathy S.
Images by Ray
Images by Karen
Photos by Sam Hodge
Photos by Paul M.
Photos by Jill M.
Photography by Ken
Photography by Jim
Images by Lisa
Images by Christanne
Images by Mia
Images by George Kane
Photography by Kitty Myers
Images by Steve
KPG Members who are no longer with us. May their photos live on forever!


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It only takes a minute to get started. Fill out our simple sign up form and login to the site.
This step is discretionary but will greatly boost your chances of your profile being viewed by others. Tell people about yourself, your interests and upload some good photographs of yourself.
Use our website's cutting-edge search to pinpoint members who satisfy your criteria. Or just look through listings and pinpoint members that take your fancy.
Discovered someone who looks suitable? Send a message to them or just a wink and see what comes of it. With a little luck you'll be on your way to discovering the love of your life.
You won't regret it


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- Division 1A: Trenton High School ($10,000)
- Division 2A: Rosebud- Lott High School ($5,000) and Alvord High School ($5,000)
- Division 3A: Navasota High School ($10,000)
- Division 4A: Rio Grande City High School ($10,000)
- Division 5A: United High School (10,000)
PLANO, Texas, Dec. 19, 2013 /PRNewswire/ -- PepsiCo's Frito-Lay North America division today announced the winners of its 2013 "Score for Your School" promotion which invited consumers throughout the state of Texas to help raise funds for their public high school sports programs. A total of $50,000 in prize money was awarded to six public high schools from around the state. One school from each of Texas' five divisional classes received prize money, including an additional school in Division 2A where there was a tie. "High school sports programs teach students important skills like leadership, teamwork and cooperation —the kinds of skills that ensure success both on and off the field," said Juan Carlos Ruck, regional vice president of sales — Texas for Frito-Lay North America. "We designed the 'Score for Your School' promotion as an easy way for fans all across the state to get involved and support these local programs." As part of Frito-Lay's "Score for Your School" promotion, thousands of fans entered the Universal Product Code from their favorite Frito-Lay snacks on the www.scoreforyourschool.com website to earn points for the Texas public high school of their choice. Each public high school was grouped according to its listing in Texas' five divisional classes (1A, 2A, 3A, 4A and 5A). The complete list of 2013 "Score for Your School" winners includes:


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This is so exciting and inspiring. Thank you, Penka, for taking one giant leap for womankind! :)
Great article! Penka is a wonderful composer full of enthusiasm and passion for her work. It's great to hear when people pursue their dreams, develop their talents, and work hard to achieve their goals, becoming an inspiration and motivation to those around them. I have no doubt that she will achieve her goal of scoring a major studio film – it's only a matter of time before it happens. Keep up the great work!
When I first considered becoming a film music orchestrator, there was only one person I knew of that I wanted to be like, and that was Shirley Walker. It was in the late 80s when I first came to notice her work, and I wanted to have a career like hers. Eventually we met and I began working for her in 1990, becoming one of her principal orchestrators as she went on to become a film composer in her own right. She had such a profound influence on a whole generation of film composers, both men and women. I count my time with her until her death in 2006 as one of the most significant experiences of my life.
I have had the opportunity to work with several other women composers since then, and each of them could hold their own musically as well as professionally with any of the male composers that I worked with. Each has a voice worth hearing, a story worth telling. Each has the strength of character to not only do the job, but to make a real difference in how a project is conceived and delivered.
Penka Kouneva is in that same stream of voices worth hearing. You can tell by her writing that she would bring skill and passion to everything she does. Just you watch!
What a bold and great idea! Would be glad to contribute. I hope many others do too!
Inspiring to read about and witness how the determination of talent and work ethic can, albeit laboriously, prevail. Congratulations to Ms. Kouneva on all that she has accomplished to date, and on all the wonderful successes drifting ahead of her, in the space beyond.
Wonderful article, Penka. I cannot wait to her 'The Woman Astronaut". I wish you luck in your efforts to mentor women and get more inclusion into the composing profession.
Penka, may you rocket to the moon and beyond! Wishing you all the best for continued success!!
Penka is one of the most determined, talented and generous people I've met in the entertainment field. Can't wait to hear this album finished and to see Penka's career soar, as she deeply deserves!
Loved your work on Elysium. Inspiring article.
Your story is truly inspiring. You're an amazing role model for not only women in the industry but men. Keep up the fantastic work and I can't wait to listen to more of your great work.
SOF Studios
Congratulations, Penka! Hard work and well deserved. Keep advancing, even when it looks like two steps forward, one step back. The tortoise won, you know!
Penka, you truly are an inspiration for young women composers like me. You go get 'em! :)


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Thursday, August 26, 2010
We could have seen Alaska from our houses
As Lisa Murkowski fights for her political life in Alaska, the question being thrown around the blogosphere is "could we have seen it coming"? I'll be honest in saying that I made a mistake a political analyst should never make; I took the common political wisdom at its word. Had I (or anyone) investigated the issue at any length, it would have been VERY clear that Joe Miller was closing faster than a Ferrari on a Buick Century. Why?
1. Despite what most in the media are throwing around, there were polls showing Miller gaining ground. This past Tuesday The Wall Street Journals' John Fund (who deserves a heck of a lot of credit for staying on the story) noted "Internal polls taken for her campaign show Fairbanks attorney Joe Miller closing the gap". A publicly released RT Nielson poll conducted a week before the primary among 300 likely voters on behalf of the Tea Party Express showed Murkowski's 37 point edge a month before the primary (in a Dittman Research poll) dropping to only 12 points (47-35). Most in the press seemed to ignore the poll because of the poll's sponsor and a lack of disclosure about the poll's methodology, but it now appears as if the poll was correct.
2. Murkowski's campaign's actions seemed more like a campaign in trouble than a campaign gliding to victory. A day before the primary an article by the Alaska Dispatch's Amanda Coyne noted "things seem to be changing... there seems to be something in the way that [Murkowski's] responding [to Miller's advertisements] that bespeaks nervousness." The campaign was releasing advertisement on top of advertisement, as if nothing they threw at Miller was sticking. As Coyne pointed out "instead of using her air time to take on Miller for wanting to privatize social security and Medicare, say, or questioning how his fiscal hawkishness will jive with Alaska's taste for pork, or even talking about the things she has done in D.C., she's spending it defending herself..."
3. More than a few Alaskan insiders believed that Murkowski was on the ropes. The aforementioned Republican Pollster Dave Dittman warned the day before the primary that he would not be "shocked" by a Miller victory. Yet, many in the national press only decided to cite Dittman's final poll, not his final words.
Now, I am not suggesting that Miller victory was evident (as it still is not with votes still being counted), but I would say that if analysts (including myself) had actually done some research we would have thrown out a lot more qualifiers when speaking about an "impending Murkowski victory".
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Link: EU wins right to £2.5bn tax breaks
This week's Accountancy Age/Reed Accountancy Big Question survey asked whether the UK should resist attempts to harmonise taxes in Europe, following pressure from the European Commission to impose VAT on children's clothing. Of those polled, 74% argued that the UK should resist such moves with only 21% advocating greater tax harmonisation.
Some argued that tax decisions should always remain a local choice.
'Tax rates, like interest rates, should reflect the needs of the economy of a country,' said Andrew Pearson of Laser Lines. 'The state of individual country economies varies greatly and to have pan-European rates is not appropriate.'
There were, however, some who felt that tax harmonisation would be a positive move overall.
'If we are serious about Europe, then to ensure full free trade, tax rates across the board need to be harmonised,' argued one respondent.
Email email@example.com.
Related reading
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LITRG urges the Taylor review to examine the relationship between tax and non-standard work
IR35 employment status tax rules need clarification, says ATT
IR35 employment status tax rules may result in workers losing part of their income, says professional body
Treasury Select Committee report released on Making Tax Digital
Committee expresses concern about costs to businesses and April 2018 implementation date
HMRC cuts over 150 offices to reduce running costs
Drastically fewer offices for HMRC in the hope to reduce their running costs


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Learn audio skills as a game, free, with your ears as guide
You are probably equipped with ears as sharp and precise as the world's top sound professionals. What you lack, then, is training.
Avid Delays Financial Reporting, But Promises Brighter Future, Including Pro Tools and Sibelius
Avid, makers of Pro Tools, Media Composer, Sibelius, and other products was on Tuesday suspended from being traded on the NASDAQ stock exchange because of a failure to issue timely financial statements. And the company by the admission of its own chief executive faces a changing industry. However, our earlier report included inaccurate information from financial analysis site The Street. Their report included outdated financial data. Our reporting was not correct; we have since spoken to Avid. The Street reporting (and thus ours, in building a report on it) was inaccurate and misleading in that financial data for Avid actually …
Wild, Techie, Wonderful: NAMM's Gear Delights [Gallery II]
Hardware and software continue to thrive (above). Pro audio lives on. People still make strange, wonderful products for tiny niches of people passionate about every element of sound. Marsha Vdovin is a veteran of the NAMM trade show like few people we know, so seeing the show through the eyes of her camera reveals some weirdness and wonderfulness we always appreciate. And Wonder Woman, too. Magic Kingdom, indeed. Gallery II, go! -Ed.


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Neraly at the end of the wire strip out to leave only engine systems prior to engine and loom transplant to a `special`- lost my speedo !
All wires exposed - from under bonnet through to the clocks - where does the speed signal come from/ what colour wires ?
AND if there is a good autoelectrician near aberystwyth (or home expert!) familiar with the TDS, that I can pay for an hour or so advice/ guidance, would appreciate any nominations !