text:
Economic Assets: An In-Depth Look
Building a healthy and skilled workforce is essential not only to the nation's economic growth, but also to building secure futures for families. A $3,000 difference in parents' income when their child is young is associated with a 20 percent increase in the child's future earnings. Historically, impact investment activity related to economic assets has focused on affordable housing and access to finance. We are beginning to see investors exploring other areas for potential investment. Seventeen survey respondents indicated investing in ventures that address economic security, spanning the following areas.
Today, one of the country's greatest challenges is the significant increase in people being incarcerated and the lack of real solutions for re-entry for these women and men. Recidivism remains a persistent social issue with significant implications for black and Latino communities. Recidivism also results in hefty taxpayer costs. Impact investors are exploring strategies to scale effective models and reduce public costs. Following the first pay for success model in the United Kingdom that was focused on addressing recidivism, three models in the U.S. have emerged to reduce recidivism rates.
What We Know
A national five-year study shows that in 30 states – with a study population of more than 400,000 prisoners – 68 percent were re-arrested in three years, and 77 percent were re-arrested in five years. In this study, recidivism was highest among males, black adults, and young adults. By the end of the fifth year after release, more than three-quarters (78 percent) of males and more than two-thirds (68 percent) of females were arrested, a 10 percentage point difference that remained relatively stable during the entire five-year follow-up period.
Five years after release from prison, black offenders had the highest recidivism rate (81 percent), compared to Latino (75 percent) and white (73 percent) offenders.
The current rate of recidivism in the U.S. within a year is 69 percent. For juveniles, it hovers around 50 percent for one year and 70 percent for within three years of release. Here, also, the majority – around 95 percent – are black and Latino juveniles.
These numbers are high and translate into significant spending on incarceration and relatively low spending on helping people find productive employment post-incarceration. In 2012, the Vera Institute of Justice released a study that found the aggregate cost of prisons in the 40 participating states was $39 billion in 2010. The annual average taxpayer cost in these states was $31,286 per inmate. New York state was the most expensive, with an average cost of $60,000 per prison inmate.
New York City's jails have even higher incarceration costs, at nearly three times the state incarceration costs. New York City paid $167,731 to feed, house, and guard each inmate in 2012, according to the Independent Budget Office.
Investment Examples
- Rikers Island: In 2012, the first social impact bond/pay for success model was announced. The public-private partnership between Goldman Sachs Bank's Urban Investment Group (UIG), Bloomberg Philanthropies, the City of New York, MDRC, and the Osborne Association leveraged private capital and philanthropic support to provide therapeutic services to 16- to 18-year-olds incarcerated on Rikers Island. Goldman Sachs provided a $9.6 million loan to the Osborne Association via MDRC. Bloomberg Philanthropies provided a $7.2 million guarantee, and the Vera Institute is the evaluator. The rate of recidivism is expected to decrease, and the loan will be repaid based on the actual and projected cost savings realized by the New York City Department of Correction.
- Roca and the Commonwealth of Massachusetts: Roca, a Boston Area organization serving high-risk youth, recently partnered with the Commonwealth of Massachusetts to launch the Massachusetts Juvenile Justice Pay for Success Project. The project's goal is to help almost 1,000 young men at risk of incarceration. Through the project, the state expects to avoid 248 incarcerations (224,205 days of incarceration), which would be a 45 percent reduction in incarcerations among the targeted population, measured through a randomized controlled trial evaluation.
- Center for Employment Opportunities: In New York City, another pay for success model involves helping adults leaving prison find employment. The social impact bond will provide $13.5 million over a 5.5-year investment life to expand the work of Center for Employment Opportunities (CEO), a provider of evidence-based training and employment programs to recently incarcerated individuals in New York state. This flexible, multiyear funding will cover the full cost of CEO's programmatic work and core costs to assist 2,000 individuals over a four-year period.
Affordable Housing
What We Know
In 2011, the majority of low-income working families (61 percent) spent more than one-third of their income on housing, exceeding an accepted guideline for what constitutes affordable housing.
Approximately 12 million households have housing expenses that take up over half of their annual incomes. Nowhere in the United States can a family with one full-time worker earning minimum wage afford to rent a two-bedroom apartment at fair-market prices.
In a recent study of how housing affects child development, researchers assessed stability, housing quality, renting versus owning, and subsidized housing. Of the four, poor-quality housing was the most consistently and strongly predictive of children's well-being across the span of childhood.
Investment Examples
- MacArthur Foundation
- Habitat for Humanity International - FlexCAP: FlexCAP is a Habitat for Humanity International (HFHI) administered program that enables participating affiliates to borrow against selected mortgages in their portfolios, thereby generating funding to provide decent, affordable housing to deserving families. Through FlexCAP, HFHI has developed a consistent secondary market for Habitat mortgages on a national basis. Since 1997, FlexCAP and its predecessor program have generated $131.7 million in loans for 263 U.S. affiliates, providing funding for approximately 3,900 new Habitat homes. During this 15-year history, there has never been a delinquency on the investor notes. HFHI estimates that its U.S. affiliates currently hold $1.4 billion in mortgages. Although Habitat mortgages have no interest, they are otherwise much like conventional mortgages and typically have 20- to 30-year terms. By using FlexCAP to accelerate the receipt of income from mortgages, affiliates recover the cost of Habitat homes in a much shorter period of time and receive ready cash to build more affordable homes.
- The San Francisco Foundation Bay Area Transit-Oriented Affordable Housing Fund: The San Francisco Foundation's Program-Related Investment Fund invested $500,000 in the Bay Area Transit-Oriented Affordable Housing (TOAH) Fund to bring to life transit-oriented plans across the Bay Area. Over seven years of collaboration, coordination, and trust-building among partners, The San Francisco Foundation's $500,000 seed loan was leveraged into a $50 million loan fund to develop affordable housing around transit. In December 2012, the TOAH Fund was awarded the Environmental Protection Agency's prestigious Smart Growth Achievement Award.
Place-Based Investing
We know that place matters. Research and experience show that families do better when they live in strong and supportive communities. However, too many communities face challenges of high poverty, unemployment, failing schools, and housing instability. These outcomes are influenced by unequal access to opportunity and decades of disinvestment in marginalized communities. An equitable approach to ensuring that all neighborhoods become the kinds of places that enable all children and families to succeed and thrive requires intentional efforts to build, sustain, and operationalize certain types of community capacity. To this end, funders and federal officials are focusing their investments on place-based efforts to improve outcomes for families.
For a city with less than 1 million people and less than 200 square miles, Detroit faces significant hardship. With unemployment rates hovering around 17 percent, the city needs major development efforts to increase employment. This is critical as the city faces a historically low housing market and crime rates that often lead the nation. Over more than 10 years, the city has launched numerous place-based initiatives to extricate itself from bankruptcy and its residents from poverty. Philanthropic efforts emerged to support programs aimed at those most in need. However, without a strong connection to public and private sector initiatives, those efforts did not bring the desired return on investment. Now, with the help of many national and local foundations, coupled with private investors and investment funds, there is a cohesive strategy to support the development of infrastructure, people, profit, and the environment. (See snapshot on Living Cities.)
Mississippi Delta
Effective place-based policies can influence how rural and metropolitan areas develop and how well they function as places to live, work, operate a business, preserve heritage, and more. These policies are particularly significant in the Mississippi Delta. The complexity and interconnectedness of needs in urban and rural Delta regions, coupled with the often untenable opportunity costs of working in both regions and their sometimes competing interests, make investments in this area challenging at best. For the past eight years, the Kellogg Foundation has addressed these hurdles with a holistic approach to community investment. First, the foundation has become part of the "place." The foundation has an office in the Delta so it can be a part of the community — its decision making, asset mapping, and community and capacity building. Second, the foundation has invested in institutions that cross the varied communities. For example, the Healthy Living Initiative focuses on providing nutrition, healthy living, and related workforce development to communities through schools. So far, research shows the program is working.
The focus on place — and the respect for its diversity — is significant, as Mississippi is regularly reported last in major research standings, such as Kids Count. For example, the region has an estimated 61 percent high school graduation rate that falls slightly below the national figure, and school districts in the Mississippi Delta fare particularly poorly. More specifically, five of the 10 districts with the highest recorded four-year dropout rates are in Delta region counties: Leflore, Tallahatchie, Sunflower, Tunica, and Panola Counties.
Southern Bancorp: A Mission-Driven Bank Small banks are closing throughout the southeast region, hamstrung by lending limits and capital requirements, or run by aging bankers without succession plans or exit options. But rather than pulling out, Southern is doubling down. As other Delta banks sell, or close, Southern Bancorp is a buyer, often the only one. Southern sees an opportunity for both financial growth and social impact in acquiring small banks and local branches that might otherwise simply shut down, leaving whole towns reliant on storefront check cashers or credit cards. Its social mission sometimes helps Southern strike a good deal.
One of the first banks to be designated a community development finance institution, or CDFI, Southern now has 38 branches in Arkansas and Mississippi, more than $1.1 billion in assets and made more than $3 billion in loans. More than half of Southern's personal loans are under $10,000. More than half its small business loans are under $55,000. Few commercial banks would even consider making such small loans.
In the face of the economic crisis, Southern successfully secured substantial impact investments, but for all its achievements, Southern still has not cracked the thing that almost all investors really want – a viable exit strategy. That leaves Southern facing a steep hike in the interest rates it pays on the capital it raised in 2009 and 2010. The ultimate resolution will represent a compelling example of the risks and rewards of impact investing. Risks are undeniably higher when a bank is working in a distressed region with low-income customers. They are higher again in the context of a global financial crisis that reordered market and regulatory conditions. Responding to such changes requires a flexible strategy and flexible investors. Such flexibility may be the ultimate differentiator – and competitive advantage – for impact investors.
New Orleans
After the devastating natural and man-made disasters (Hurricane Katrina, Gulf oil spill), this city and region has been hard hit in terms of employment, crime, and education. However, blight remains one of the most pressing issues for New Orleans Mayor Mitch Landrieu. Nearly 25 percent of residential homes and addresses in New Orleans have been blighted or left vacant over the past several years, representing one of the highest rates of abandonment in the country and surpassing other struggling cities like Baltimore, Cleveland, and Detroit. In 2010, the mayor made a commitment to reduce the city's blight by 10,000 units by 2014. Using a five-pillar strategy — including data-driven decision making and place-based revitalization, coupled with public-private partners, including city agencies and local foundations — the mayor exceeded his goal of 10,000 by April 2013.
Place-based work can be initiated or led by the local government, its residents, local organizations, and/or be part of an external funders' (or other national organization's) larger strategy. In the case of Colorado, Kaiser Permanente selected the state as a partner for its community health initiatives. Colorado has a high prevalence of binge drinking, high rate of drug deaths, and large disparities in health status by educational attainment. As part of this portfolio, the Kaiser Foundation will support strategies to address the obesity epidemic and other health issues that can result from poor nutrition and lack of exercise.
Kaiser hopes to strengthen and accelerate collaborative efforts among practitioners, policy makers, funders, and advocates from different fields. The foundation provides financial assistance, thought leadership, and coordination to support community partners in creating environments that encourage healthy eating and active living. Many local organizations will benefit from grants to make healthy food and physical activity available in underserved communities. Grantees include public health departments, community-based organizations, and coalitions; advocacy organizations that drive state and local policy agendas; and school districts implementing school wellness plans.
What We Know
Investing in microenterprise programs is a cost-effective economic development strategy to create jobs that help build family economic security.
Market size
- The Aspen Institute's FIELD program estimates that the U.S. microenterprise industry served over 329,000 individuals and deployed nearly 37,000 microloans, valued at more than $292 million in 2012.xliii
- Thirty-one million people are collectively employed by 25.5 million microbusinesses (businesses with five or fewer employees) in the U.S.
A FIELD survey of 1,198 microenterprises found that each enterprise created on average 1.9 jobs in addition to the owner.
- The median hourly wage paid per worker was 38 percent higher than the federal minimum wage, putting the families of those employees further down the path to economic security.xlv
- Individuals with a self-employed parent are two to three times more likely to engage in self-employment.
Barriers and Investment Examples
Microbusinesses have the potential to create jobs, stimulate the local economy, and provide much needed services and products in low-income communities across the U.S. However, micro-entrepreneurs face significant barriers, including access to affordable capital, ongoing business training and mentorship, and access to supportive networks.
- Calvert – WIN-WIN: Leading up to 2012, Calvert Foundation noted a lack of opportunities for investors to invest in organizations and enterprises that create economic opportunities for women. In response, the foundation developed and launched WIN-WIN in March 2012, creating a targeted Community Investment Note option to enable individual and institutional investors to support women in areas such as affordable housing, financial inclusion, and health care. The foundation selected potential borrowers based on those organizations' governance structures and products, targeting those that not only foster "equitable gender representation" at all levels of the value-chain, but also those that support low-income women through their service offerings. In December 2013, WIN-WIN surpassed its goal of lending $20 million to its WIN-WIN portfolio organizations.
- Opportunity Fund – San Francisco Foundation: The Opportunity Fund is a leading microlender to small businesses in the San Francisco Bay Area – creating jobs and economic activity by providing small loans to Bay Area entrepreneurs and small businesses. The San Francisco Foundation's Program-Related Investment Fund provided a $500,000 loan to The Opportunity Fund that will be leveraged to make upward of $1.5 million available to small businesses that are unable to access bank financing due to their size, credit history, or lack of collateral. The low- and moderate-income borrowers selected by The Opportunity Fund are all women or ethnic minorities.
- Opportunity for Impact Investing to Advance Microenterprise
- Capital + Training + Social Capital for Micro-entrepreneurs
Lessons Learned from Investments
To help individuals achieve economic opportunity, we need to invest not only in jobs but also in employers. Investors in microenterprise know this better than anyone. Small businesses and entrepreneurs are the greatest job creators. Investing in individual enterprises through Calvert, intermediaries like Opportunity Fund, and related research activity via FIELD will continue to bring evidence, interest, and investment to real job creation engines.
Investment in housing is key to support economic opportunity. Research has shown that the stability of an affordable mortgage or rent can have profound effects on childhood development and school performance and can improve health outcomes for families and individuals. But the benefits of affordable housing extend beyond its occupants to the community at large. Research by the MacArthur Foundation demonstrates that the development of affordable housing increases spending and employment in the surrounding economy, acts as an important source of revenue for local governments, and reduces the likelihood of foreclosure and its associated costs. Without a sufficient supply of affordable housing, employers — and entire regional economies — can be at a competitive disadvantage because of the subsequent difficulty in attracting and retaining workers.
According to a 2014 poll by the American Planning Association, while many remain skeptical of the national economic outlook, there is greater optimism about the prospects for local and personal progress over the next five years. Therefore the local policy and financial framework has a tremendous influence over the economic trajectory of residents. The place-based investments in Detroit, Mississippi, and New Orleans have shown great promise in geographically focused investments by diverse but collaborative investors in quality of life indicators like housing, jobs, health, and transportation.
Opportunities for Impact Investing in Economic Assets
Over the years, placed-based impact investing has been a staple in many communities. Initiated with lending to CDFIs to support housing, job creation, and education, these investments have been instrumental to communities in New York, Philadelphia, Los Angeles, and across the South. Recently, impact investing has increasingly focused on place. Cities with large minority populations are sitting on the verge of bankruptcy due to lack of historical investment, decreasing federal support, and the quagmire of local politics. Investments in places like Detroit and Minneapolis bring hope. Through targeted investments in housing, transportation, and business, individuals and families are being transformed through new and sustained economic opportunity.
Key opportunities in the area of economic assets are:
- Using diverse capital forms to initiate and sustain economic opportunity. As noted earlier, the MacArthur Foundation uses impact investing to support local infrastructure and mitigate risk in the area of housing. The foundation has invested more than $9 billion since 1999 in a diverse set of investment vehicles to help minimize loss of housing stock, increase value of the housing stock, and make it affordable to residents and owners to maintain.
- Collaborating to invest in local ecosystems. Typical investors like to stay local and invest with their expertise. Shifting poverty rates and increasing economic opportunity require an array of investors with different areas of expertise. In Detroit, for example, by leveraging national and local financial institutions, Living Cities has invested in infrastructure projects — like transportation — to create sustainable systems to provide access to economic opportunity. High-net-worth investor Dan Gilbert has leveraged his own lending and equity investments, alongside those of foundations, to create opportunities for entrepreneurs and accelerators to invest in their companies or to provide places to safely move from proof of concept to the growth stage. Local and regional foundations, like the Kresge Foundation and the Skillman Foundation, are providing grants and loans to mitigate crime and blight and increase the soft and hard skills of the newly working and employed to get them on track. The diversity of skills, expertise, and investment are helping to transform Detroit and its residents.
- Leverage data to scale what works and eliminate barriers. The pay for success models underway by CEO and Roca build upon the core concept of pay for success and scaling what works. More important, it is investing in areas that often have long-term negative consequences for individuals. For example, formerly incarcerated individuals are barred from certain types of employment and civic participation. In some states, they are not eligible to vote if incarcerated. By supporting proven interventions in systems that actually cause long-term harm and dramatically decrease access to economic opportunity, these investments create economic efficiency and incentives to support asset development and economic well-being for those most at risk.


text:
A lot of big changes have taken place in my "world" over the past 6 months, and I'm using this post to formally kick-off a new chapter in my life (and in this blog).
From Live to Embedded.
Once again, I've taken on a new focus. I'm working on an initiative around "distributed embedded systems". More about this in future posts. 🙂
From Redmond to Madrid.
When I moved from Madrid to Redmond in 2003, it was my intention to stay for 3-5 years and then return to Madrid. I'm thrilled to have found an opportunity to work as a Technical Evangelist (still my dream job) from Madrid, while continuing to work closely with product teams and continuing to form part of our corporate Developer & Platform Evangelism organization in Redmond.
Big challenges ahead.
So what's the big deal? This isn't the first time I've made a change in my technology focus. Over the past 5 years, I've worked on a number of evangelism efforts, including: Visual Studio Tools for Office and Visual Studio 2005, Windows Vista, and more recently Windows Live platform.
This is the first time I'll be working on a geo-dispersed team. I now work from home in Madrid; my manager (Arvindra Sehmi) and other team members (like Yuriy Zaytsev) are dispersed around the planet. Working from home does have a number of benefits, but it also introduces some interesting challenges – especially combined with frequent travel and working with people across a wide range of time zones. The impact on my life, how I work ,and how I schedule my time is definitely proving to be "interesting". 🙂
A new title for this blog: Connecting the dots.
I've always had a tendency to prefer depth over breadth – I've been known to pore over WS-* specs, analyze difference between managed and native binaries, and monitor network communications looking for DCOM MEOW packets, all just for fun. There's a certain sense of confidence that comes from knowing the gory details, and I believe that's what's always drawn me to this approach. But somewhere along the line, I've found myself increasingly attracted to the idea of bridging silos of expertise and looking for new scenarios and opportunities for next-generation products/technologies. So here's to the joy of "connecting the dots"!

subset: commoncrawl


text:
Sarah Ellis
Writer, columnist, and librarian Sarah Ellis has become one of the best-known authors for young adults in her native Canada with titles such as The Baby Project, Pick-Up Sticks, and Back of Beyond: Stories of the Supernatural. In addition to young adult novels, Ellis has also written for younger children and has authored several books about the craft of writing. Praised by Booklist contributor Hazel Rochman as "one of the best children's literature critics," Ellis "writes without condescension or pedantry. . . . Her prose is a delight: plain, witty, practical, wise."
Ellis was born in Vancouver, British Columbia, Canada, in 1952, the youngest of three children in her family. As she once noted, "[My] joy in embroidering the truth probably comes from my own childhood. My father was a rich mine of anecdotes and jokes. He knew more variations on the 'once there were three men in a rowboat' joke than anyone I've encountered since.
A Family Project (1986)
The Baby Project (1986)
Next Door Neighbours (1989)
Pick-up Sticks (1991)
Out of the Blue (1994)
Outside in (2014)
The Baby Project (1986)
Next Door Neighbours (1989)
Pick-up Sticks (1991)
Out of the Blue (1994)
Outside in (2014)
Picture Books
Series contributed to
Anthologies edited
Non fiction
Visitors to this page also looked at these authors
Genre Pages


text:
Earn double miles from Royal Brunei Royal Skies whenever you dine in at Shinobu Shabu Shabu in Times Square Shopping Centre until December 6, 2014 with minimum spending of $15 in a single receipt, according to a press release.
The restaurant just entered into a partnership with Royal Brunei Royal Skies to give its loyal patrons extra incentive by allowing them to earn double miles within the promo period.
The partnership was launched on November 7 wherein the first 50 customers who dined were given a bag of goodies to the delight of the crowd. The lucky guests were also treated with servings of Matcha Ice Cream.


text:
Forget moral imperatives. Are there compelling financial reasons today for asset managers to adopt a more sustainable investment strategy?
Rather than reform, or reinvent capitalism some asset managers are harnessing its market forces to demonstrate that taking a company's environmental impact into account can improve profitability.
The performance argument
Neil Brown, SRI fund manager at Alliance Trust, says it is these financial arguments that ultimately have to win through. "We don't believe that you have to sacrifice performance by investing sustainability. Successful investment requires an accurate analysis of risk and reward. It is clear to me that environmental, social and governance (ESG) issues are critical to the assessment of both."
Brown says he works on the principle that if a company is doing the right thing by society, society will do the right thing by it. But if not, then there is a serious risk that legislation will be imposed, potentially restricting its business model.
He takes what he calls an "integration" approach. Traditionally SRI managers have had two checklists: one pre-screened companies that met certain environmental and social credentials, the other presented attractive investment opportunities. The money would flow where the two overlapped.
But an integration approach looks at the core drivers pushing a business forward and analyses the social and environmental impact they will have. This "fair value" approach is now being practised by some of the world's largest financial institutions, and is becoming more widely available to institutional investors.
"We are still looking at the same fundamentals as other investment managers" says Brown, "but we are doing so through an ESG lens. Failing to take account of such issues when selecting stocks could prove costly in the long run."
Miscalculating risk and rewards can have serious consequences, as the banking crisis demonstrated. But using this ESG analysis can deliver rewards: seven out of the eight Alliance Trust funds using this approach are outperforming relevant mainstream benchmarks at present.
"We don't want to win mandates just because of our strong SRI credentials, we want to win them because we have outperformed our rivals," he said.
This should encourage others to follow suit, helping create a virtuous circle, where more capital is used to support sustainable companies while draining assets from carbon-heavy polluters.
The UN Principles of Responsible Investment have helped raise awareness of such issues among asset managers. They have been "successful" at driving change and encouraging corporate disclosure and more shareholder engagement, according to Zoe Knight, director of climate change strategy at HSBC bank.
Environmental and social governance is no longer a niche area with heavyweight investment companies, such as Blackrock, Fidelity and Wellington now signatories to this initiative.
This has been aided by major corporations such as GE and Siemens, setting targets on the proportion of their revenue that will be derived from environmental technology in future.
Investment opportunities
Stephanie Maier, the corporate responsibility manager of Aviva Investors, says there is definitely a business case now for looking at climate change from a more mainstream investment perspective.
The EU emission trading scheme has provided a framework that requires companies to report and manage this risk. Although this cost remains low at present, it gives scope for more punitive costs to be levied on larger polluters at a later stage.
At the other end of the scale there were "interesting opportunities" from firms looking to develop energy efficient technologies and products, from car tyres to solar heating.
However, if capitalism can be loosely described as naked greed, tempered by risk aversion, it is the "opportunity" side of the equation this is gaining most ground at present.
Asset managers are clearly looking at the investment opportunities offered by new technology, aimed at both industrial and consumer markets. On the other side of the coin, they are not yet divesting on a significant scale from fossil fuel producers; the risks of doing so – in terms of relative performance – may be too great.
Most large pension funds have fairly conservative remits, and are closely benchmarked to a main stock market index. Taking such large position away from this index may be hard to justify at present.
The future of investment
But this is as much an issue with timing. While there may be returns to be made today from new technologies, the risks presented by stranded assets or carbon constrained regulation are far longer term. If these become more visible though, this is likely to affect both company valuations and sector weightings within an index, which could start to alter this balance.
Brown says: "There has been a lot of work on the broker research side of the equation." The kind of research we have seen from Carbon Tracker, and subsequent analysis from HSBC has given a clearer picture of which sectors, and which companies within them are exposed to such risks.
But it is harder to find clear evidence that the research is being acted on by investors, or that assets owners and managers are now starting to have different conservations about stock selection and their portfolio. The next UNPRI meeting in October will focus, in part, on this aspect.
There is also further work being undertaken by the Delphi Project, which will take a more systematic look at the correlation between specific SRI values and key financial indicators, be it a company's sales volumes, profit margins, etc.
This may give a clearer, evidenced, picture on how a company's environmental track record can affect its future profitability and performance, rather than looking purely at share price, which can be affected (positively and negatively) by wider market movements and the "noise" of sentiment.
Emma Simon is a freelance consumer journalist, who has written about personal finance, pensions and ethical investing for 15 years.
This content is brought to you by Guardian Professional. Become GSB member to get more stories like this direct to your inbox


text:
BrandingCORPORATE BRANDING BRAND IDENTITY CREATION
Fine Design creates meaningful and memorable identities for business and consumer brands. Don't look, think or act like your competitors – use effective brand design to signal everything that's better for your customers and better for your business. We'll research your business culture, the competitive market place and brand landscape to help us find the unique attributes and emotional brand connections that mean more to your consumers and more to your bottom line.
Does your company need a fresh new look without the cost of changing your logo design? Then let us create a new house style that compliments your existing logo. This new look can then run through all media and completely overhaul your marketing tool kit, stationery, website, corporate folder, newsletter and exhibition graphics.
Lets become a commodity, use Fine Design to create branding that's altogether better!
Great ideas start with great conversations. Come and talk to us about your design and marketing challenges and you'll find us the perfect partner for your business.
Book an appointment now 01354 650679.


text:
When it comes to daily fantasy football, picking the contrarian play or playing it safe all depends on the kind of contests you're playing.
Looking for safe floor but low ceiling guys? Better for 50/50.
Looking for the guy who could go off that costs you nothing? That's the million dollar ticket.
Anyway, as far as you fantasy folks go, all you care about is winning. So, here are some projections for Yahoo DFS for week 17 scoring.
We'll only give you the top-10 for each position, which means those looking for the contrarian plays need to do some digging of their own.
Yahoo Fantasy Advice – Week 17 of 2015
Quarterbacks – Top 10 Fantasy Stars
Running Backs – Top 10 Fantasy Stars
Wide Receivers – Top 10 Fantasy Stars
Tight End – Top 10 Fantasy Stars
*This photo is courtesy of and copyrighted by Keith Allison via Flickr. This image is being used in accordance with Creative Commons and all rights are reserved by Keith Allison via Flickr.
Nick Schreck
For the record, I never actually played football. I have no doubt that I would get crushed running across the middle for a pass, every single time.
Latest posts by Nick Schreck (see all)
- The Best Fantasy Football Chrome Extensions - May 3, 2017
- The Best Fantasy Football Trophies for Winning Your League - May 3, 2017
- It's Not About Wins or Losses, It's About Making Your Friends Cry - May 3, 2017


text:
Images of Shelley Lynn Clowes(0 from 0 )
Telephone & Addresses
(1 - 4 from 28
Lynn Clowes, 68, Columbus, Farm Brook Ln
View Shelley Lynn's social profiles and photos on Facebook, MySpace, and +40 Networks.
Lynn Clowes, 54, Plymouth, Texas Hill Rd
View Shelley Lynn's social profiles and photos on Facebook, MySpace, and +40 Networks.
Lynn Clowes, Worcester, E Worcester St
View Shelley Lynn's social profiles and photos on Facebook, MySpace, and +40 Networks.
WhitePages: Shelley Clowes | Whitepages
"163 matches for Shelley Clowes. Find Shelley Clowes's phone, address, etc. on Whitepages, the most trusted online directory."
Yellow Page contacts
Network Profiles
(1 - 4 from 17
(1 - 4 from 9
Lilly Bare Open House
Lilly Bare is having an open house We would love for you to come out and try our products You will have a chance to order thi...
6 NOV 2014: "Who am I Going to Be?" Film Showing and Discussion @ New...
6 November, 7:00 PM - New Hampshire Institute of Politics - Manchester - United States - Join us for a showing of the documentary film
Vigil aims to end mass destruction - News - seacoastonline.com -...
KITTERY More than a dozen men and women gathered downtown yesterday for a peaceful vigil marking the 53rd anniversary of the dropping of the atomic bomb on...
Results - Laguna Phuket Triathlon - Shelley Clowes - Tri247
Participant, Shelley Clowes. Bib, 923. Position Overall, 303. Gender, Female. Categorisation, 35-39. Position Categorisation, 12. Country, AUS.
Management & Stakeholders
Lynn Clowes - MarketVisual Knowledge Map
New Search: Lynn Clowes. Lynn Clowes. Knowledge Map Preview. Company Affiliations. Company, # of Roles. New Hampshire Minority Health Coalition, 1 ...
Business Profiles
New Hampshire Minority Health Coalition in Manchester NH - Company...
View company leaders and background information for New Hampshire Minority Health Coalition. Search our database of over 100 million company and executive...
Lynn Clowes | ZoomInfo.com
View Lynn Clowes's business profile as Board Member at The Clowes Fund Inc and see work history, affiliations and more.
Lynn Clowes | ARNIE MEDIA LLC | ZoomInfo.com
Find business contact information for Lynn Clowes and see work history, affiliations and more.
Private Homepages
NHNA Fall Conference & Annual …
NHNA Fall Conference & Annual Meeting . HARNESSING THE POWER OF NURSING - COMMUNICATING WITH CONFIDENCE. ... Effective Healthcare Communications Lynn Clowes ...
Contact Us - ASPIR International
ASPIR - Association of Sports for the Improvement Of Refugees & Returnees
In The News-Ascentria Care Alliance
We are called to strengthen communities by empowering people to respond to life's challenges.
(1 - 4 from 7
classmates: Shelley Clowes
Woodstock High School, Woodstock, NB, 1981-1985
classmates: Lynn Clowes
Lincoln Academy, Newcastle, ME, 1980-1984
classmates: Lynn Clowes
Kelvin High School, Winnipeg, MB, 1981-1985
classmates: Lynn (Barrie) Clowes
Kelvin High School, Winnipeg, MB, 1981-1985
Celebrities & Politicians
IMDB Filmography: Lynn Clowes - Biography - IMDb
It looks like we don't have any Biography for Lynn Clowes yet. Be the first to contribute! Just click the "Edit page" button at the bottom of the page or ...
Bad news
findagrave: Brittany Lynn Clowes (1991 - 1991) - Find A Grave Memorial
Birth: Aug. 27, 1991. Death: Aug. 27, 1991. Burial: Clinton Cemetery Clinton Rock County Wisconsin, USA. Created by: Bob Record added: Jul ...
Richard Adler Obituary - Needville, Texas - Tributes.com
Obituary, funeral and service information for Richard R. Adler from Needville, Texas.
Kenneth Cusson Condolences | Sign the Guest Book | Green Acres...
Guest Book for Kenneth Cusson of Winnipeg, MB. Share your condolences, send flowers, find funeral home information. Guestbook provided by Green Acres Funeral...
findagrave: Robert L. Kramer (1929 - 1999) - Find A Grave Memorial
... Kaluza, both of Richmond and Shelley Clowes and husband, Dane, of Rosenberg. There is one great grandson, Dylan Baxter of Rosenberg.
(1 - 4 from 5
John T Hulme (1807 - 1891) - Genealogy
Lynn Clowes. Birth: Circa 1807 - Elbert, America. Parents: William Hulme, Margaret Hulme (born Rucker). Daughter: Mary Ann Smith (born ...
Berry Johnson - Falmouth, Michigan
Donna Norene Bradley, 54, May 1960. Herbert E Bradley. Steven Edwin Bradley, 56, Dec 1958. Amy L Clowes, 39, Feb 1975. Beth Lynn Clowes, 37, Sep 1977.
Jessie Clowes, mother of 0 - Ancestry.ca
Clowes found in 1911 England Census Jessie Clowes found in 1881 England Census Jessie Lynn Clowes found in Vermont Births, 1981-2001 ...
Clowes - Ancestry.com
Lynn Clowes is fundraising for Cancer …
Cancer Research UK Cancer Research UK is the world's leading charity dedicated to beating cancer through research. We are fighting cancer on all fronts, finding new ...
Books & Literature
The Jurist - Google Books
Pitcher, King's Lynn; Clowes & Wedlake, 10, King's-bench-walk, Temple. WILLIAM HENSHALL, Newcastle-under-Lyme, Staffordshire, silk throwster, June 25 ...
The Legal Observer, Or, Journal of Jurisprudence - Google Books
Goode, Samuel, King's Lynn, Norfolk, Money Scrivener. Pitcher, King's Lynn; Clowes k Co., Temple. Oct. 24. Gatenby, Robert, High Street, Shadwell, Grocer and ...
Related Documents
Date: April 29, 2015 Time: 7:02p.m. Location: Christ the …
Date: April 29, 2015 Time: 7:02p.m. Location: Christ the King LMHA 2015 Annual General Meeting Attended by: Pamela Berreth, Lynn Clowes, Chris Clowes, Tamara …
The 45 - blackgoldoilmens.ca
Lynn Clowes – Steve&Jason Real Estate 587 986 1032 Darrell Spencer – DNOW 780 910 5658 Travis Sturko – HiTech Seals 780 504 3332 Wes Cardwell ...
Lynn Clowes Harvey Cohen Jonathan Allen Cohn Charles L. Conlon Tereza Coraggio Sophie Cowan Areta Crowell Ken Crowley Susan Davidoff John Mark Dayton
Clowes Callington - Reviews
I found 0 sources with reviews for Clowes Callington. Ratings are between 0/5 and 4/5.
Video & Audio
Shelley Clowes - YouTube
Skip navigation Upload
Lynn Clowes - YouTube
My Second Tribute to Murray Rayner (newly added photos) Shari Dempsey xo. Lynn Clowes commented and liked 2 years ago. What a great tribute to an ...
(1 - 4 from 9
Detail · Keene State College
Film Screening and Discussion: "Who am I going to be?" Young Student Center - Madison Street Lounge ... Discussion after the film screening with Lynn Clowes.
Members' News - cdcpensioners.com
Lynn Clowes Summer Gathering - London Sam Sowah Members' News ...
V ices From Mt Kearsarge Indian Museum june 2012
june 2012 Fancy Shawl Dancer Jill Cresey-Gross at MKIM Powwow. ... by Sherry Gould, quilts by Lynn Clowes and stunningly original dreamcatchers by Lenny
LMHA Banquet Just Around The Net - 93.1 FM The One
The fundraising banquet for Leduc Minor Hockey Association is coming up, and now is your time to reserve your table.
Reports & Statements
(1 - 4 from 13
Twitter Posts: Lynn (lynnclowes)
09.03.2012 Let's play Words With Friends. My username is 'Lynn clowes'. #GamesWithFriends http://t.co/uOYV14rq
pinterest.com: Hand Painted Wine Glass Patterns - …
Hand Painted Wine Glass Patterns ... Sign up Log in. Pinterest • The world's catalog of ideas. ... Shelley Clowes. Glass.
pinterest.com: Set of 2 hand painted champagne flutes …
Shelley Clowes. Glass. http://cs2.livemaster.ru/foto/large/c6813929993-svadebnyj-salon-sirenevoe-kruzhevo-svadebnye-n8040.jpg. Guardar Consulta más información en ...
pinterest.com: Sewing Day: My Favorite Bag | Sömnad, …
Shelley Clowes. Sewing. Sew, DIY, Sewing Pattern, Purse, Case, My Favorite Bag,Fabric, Handmade. Spara Läs mer på thecraftyblogstalker.com. från The Crafty …
(1 - 20 from 62
Shelley Clowes | LinkedIn
View Shelley Clowes' professional profile on LinkedIn. LinkedIn is the world's largest business network, helping professionals like Shelley Clowes discover inside ...
Lynn Clowes | LinkedIn
Lynn Clowes. Cultural Effectiveness Training and Consulting. Location Greater Boston Area Industry Health, Wellness and Fitness
co-sponsor Laguna Shelley Clowes Phuket
Laguna Phuket Phuket, Thailand 10 June 2012 International M a r a t h o n co-sponsor co-sponsor co-sponsor title sponsor sanctioned by This is to certify that
2013泰国普吉岛马拉松----男女全程成绩-- …
Shelley Clowes: F 40-49: AUS: 4: 01:44:31: 02:43:49: 03:36:51: 04:03:45: 04:04:05: Certificate: 62: F 814: Ezann Eng: F 18-29: SIN: 2: 01:49:40: 02:46:53: 03:38:29 ...
3rd Generation Ink - Houston Tattoo …
3rd Generation Ink. Come visit Larry Shaw's professional staff and schedule a session at the newest tattoo parlor in Houston, ... Shelley Clowes, Needville, Texas.
BBC - Cornwall - RaW - Cornwall's RaW …
2008-05-05 · Paula Raven from Callington and Shelley Clowes from Upton Cross near Liskeard both chose the character of Baked Bean, the embarrassed dragon.
BBC - Cornwall - RaW - The Dragon …
2008-05-05 · Shelley Clowes. Shelley is from Upton Cross near Liskeard. She found out about the competition when her boss at work gave her the booklet and told her to ...
June 2012 AIMS Results - …
... GBR 3:43:13 5 Julie SHELLEY USA 3:44:55 6 Emma BISHOP GBR 3:45:30 7 Shelley CLOWES AUS 3:53:12 8 Karin YOSHIDA JPN 3:55:32 9 Angela ...
June 2015 AIMS Results - aims …
... THA 4:01:54 8 Emma PLANT GBR 4:05:50 9 Annie PEDRONI GBR 4:06:45 10 Shelley CLOWES AUS 4:07:27 HALF MARATHON MEN: 1 Kohichiro YAMANAKA …
Photos - The Weather Network
2074 views Shelley Clowes June 25, 2016 South Dundas, ON Date shot: June 21, 2016. When the fresh cut hay is so good that you just wanna lay in it :) Leave a Comment.
Run for Hugo - Mycause
Run for Hugo. Fundraiser ... David Dickson (42kms under 4 hours!), Annie Pedroni, Tony Pedroni, Shelley Clowes 21kms - Richard Barnhurst, Pete Vidotto, Tum Udomaksorm
Testimonials - 3rd Generation Ink
Testimonials. Sarah Teague Simek, Houston, TX. ... Shelley Clowes, Needville, Texas. Love my 3/4 sleeve done by Larry Shaw and can't wait to get more ink.
too much fun? - Good Shepherd Phuket
too much fun? Featured / News ... Event warriors, Donna Toon, Shelley Clowes, ... Good Shepherd Phuket. Contact a helper. Email: email@example.com.
ASPIR International
ASPIR - Association of Sports for the Improvement Of Refugees & Returnees. Search this site ... Lynn Clowes, Treasurer. Becky Field, Secretary. Jean Paul Rurangwa.
Leduc Baseball Association - Executives : …
Executives. Kevin Tritten President kevin dot tritten at altalink dot ca ... Lynn Clowes Secretary leducbaseball at gmail dot com: Scott Dragon Procurement Director
Trainer Biographies | Center for …
Trainer Biographies; Trainer Biographies. Lorraine Bartlett, MSW. Lorraine is the director of the N.H. Division for Children, Youth and Families. ... Lynn Clowes, MA.
UNH CPE Training Calendar - …
Training Calendar. Center for Professional Excellence in Child Welfare (CPE) ... Lynn Clowes, Nabil Migalli. 9:00 AM - 4:00 PM. Tier 2 Cultural Competency . Help
Valete - cdcpensioners.com
Lynn Clowes. Details Published: 25/07/16 We regret to report the death on 8th July of Lynn Clowes, wife of Dr Mike Clowes. The funeral has already taken place.
WHO AM I GOING TO BE? (2014) - Film in het Nederlands
SCREENWRITER Who Am I Going to Be? No Person, Lynn Clowes, William Rogers en Christopher Dunning. FOTOGRAFIE / CINEMATOGRAFIE. Christopher Dunning en …
Related search requests for Shelley Lynn Clowes
|Lynn Clowes
Shelley Clowes
Forename "Lynn" (25414)
Name "Clowes" (918)
sorted by relevance / date


text:
Calypso Plaza Resort Unit 417
Apartment, Coolangatta
Rated 4 out of 5 stars 2 reviews
Instant confirmation
From $149 per night {{quote.pricing.message}} Total {{quote.pricing.price | format:'currency':'short'}} for
Min 7 nights stay
With views over the gorgeous Calypso Resort pool and beyond to Coolangatta Beach and Greenmount, this two bedroom penthouse unit has everything you'll need for a thoroughly enjoyable stay. Ideal for two couples, or a family, this modern and comfortably furnished unit is spread over two floors, both with balconies for outdoor relaxation.
Upstairs, the light and airy living area includes a wide-screen LCD TV, DVD/Blu-Ray Player and Stereo Sound System with IPOD docking station. The kitchen provides full facilities including stove top, oven, microwave and a dishwasher enabling you to cook to your heart's content if not visiting one of the many fabulous restaurants within easy walking distance from the Resort.
The upstairs bedroom has a queen size bed and large ensuite with spa bath and downstairs is a second bedroom with two single beds, a second TV & DVD Player, and ensuite with bath. The lounge area also has a sofa bed. The unit is also equipped with a washing machine and clothes dryer.
Calypso Resort has a range of facilities ideal for the holiday maker - relax on a sun lounge, take a dip in the superb lagoon style pool or unwind in the spa. Water slides operate during the popular times of the day and are heaps of fun for young and old alike.
Kids are also well catered for with the fully equipped games room located just off the lobby. Internet and printing facilities are also available in the lobby.
The Resort is located right on Marine Parade, directly opposite Coolangatta Beach. Restaurants, Cafes, Cinemas, and a wide variety of shops are all within easy walking distance.
Linen is included in this property, please advise number of guests staying during the booking process.
1 Car Spaces
Resort style complex on the beachfront in the heart of Coolangatta
Features covered by Stayz Rental Assurance
Air conditioning, Dishwasher, Parking, Private pool, Washing machine
Rating snapshot
Average customer ratings
No reviews have been submitted for this property.
{{review.SubmissionTime | format:'date':'full'}}
{{comment.UserNickname}} responded to this review
{{comment.SubmissionTime | format:'date':'full'}}
Select request booking to access the quote calculator and to check availability.
Enter your check in and check out dates to see availability and a total price.
- Available
- Unavailable


text:
- Subscribe to RSS Feed
- Mark Topic as New
- Mark Topic as Read
- Float this Topic for Current User
- Bookmark
- Subscribe
- Printer Friendly Page
Re: Main Suggestion/Balance Thread
I think unlocking more stuff is better than just levelling up. I don't want this to be lv 1-lv 200 'cause that would be overkill.
It would be better to add more attributes to additional armors (like recovery time decrease, altar capture time decrease, instantly pick up world weapon attribute, or wall stun automatic recovery, faster climbing speed, faster pickup time for spear of destiny, +10 additional kill points to total score, and instead of one singular cooldown you guys could've used Item Cooldown decrease, L1+Sq cooldown decrease, and combinations of each other, or equip to delay trap mechanism by 0.5 second or something)
there's actually a lot you can do even without adjusting combat and focusing more on the other things that could make the matches longer.
And I highly recommend cosmetic (art) unlocks. A lot of people want to mix and match. Some people actually wear something because it looks cool regardless of the stats. Give us some armors and weapons that would retain the same stats but would give it different skins. That would then turn into Event Costumes or whatever. I know this isn't an MMORPG, but cosmetic stuff really motivates people to play more in hopes to unlock some things. Don't make them random, too. Make them achievable by, let's say, kill 100 enemies with traps and 50 more with brutal kills or something.
With those, even if everyone is Level 30, we'd have differences still. One can bypass traps for a second longer, while others can climb faster, or can recover faster, can use their items faster but their magic slower, can use L1+Sq more often than their L1+Tr, can automatically pick up World Weapons, can get more orbs from chests, can score 10 more points per kill or 50 more points per 10 kills, can move faster with the flag, can get more HP back with the flag, etc.
all of those independent of combat. you can change combat too, but i feel that this game being out for 3 days only and people are already level 30, we need more than just "stronger gear" or something.
Re: Main Suggestion/Balance Thread
1. the parry / dodge system needs to be more responsive ,too many times have i been getting attack only for my parry to activate after the combo , leaving me open for another combo the parry system wont respond to.
also same thing with dodging although instead of jumping back , left or right i just face a different direction instead.
2. noticed certain R2 spells can be interrupted , ive noticed this with my poseidon ...i wouldnt mind it but im finding every other god seems to be able to activate there spells whilst im mid combo with my spear :L
3. im also noticing magic attacks are being parried , like for instance the poseidon spear where you shoot out a burst of water or the sword variant when ice comes out the ground , both are magic based attacks....dont know if this is intentional or not.
4.on occasion my attacks dont seem to make the opponent stumble or flinch and they somehow manage to go through my combo and hit me ... ...i think that its more connection i.e they are host more than anything would love to see some dedicated servers for this game would be trully amazing.
5. hades soul drain seems to be uninterruptable , able to pass through my water wall,and all my defensive spells and is undodgable ...again dont know if this is intentional but its more like luck whether im fighting a hades player when im using my borealis invulnerable orb spell thing ( have no idea the names of the spells lol )
In fairness all the gods seem to be perfectly balance , its more of the technical side of tings that is a little unbalanced
Re: Main Suggestion/Balance Thread
d1v4d wrote:
I'll update this thread today, for sure.
Aye .Lol
You Play A Bit Today d1v4d ? ; )
Long, Live, The Shade Legion Σκιά !
TLoU GotY 2013 .
Re: Main Suggestion/Balance Thread
d1v4d wrote:
Tonight, yes. Got stuff to do first -.-
*happy dance x2*
Yippie ! .Lol
Same Here My Lad, Doing A Three Page Intro At The Moment .
I Might Be On At 3:00pm pst, For You It's 6:00pm est .
Long, Live, The Shade Legion Σκιά !
TLoU GotY 2013 .


text:
684 Newark Avenue
Jersey City, NJ 07306
(201) 216-9901
251 Washington Avenue
Belleville, NJ 07109
(973) 751-9051
By submitting this form, I am giving express written consent to receive text messages and/or telephone calls from or on behalf of Eastern International College at the phone number(s) I provided using automated technology. I understand that standard text and/or usage rates may apply and that I am not required to provide consent as a condition of any sale of a good or service.
Program Outline:
The Cardiovascular Technology Program (CVT) at
Eastern International College prepares the student to perform non- invasive diagnostic examinations
of the heart and/or blood vessels at the request or direction of a physician
in Adult Echocardiography. The CVT program teaches the student the essential
theoretical and hands-on knowledge to compete for entry-level positions
in the field.
Associate Degree in Cardiovascular Technology programs at Eastern International College in
Belleville and
Jersey City are programmatically accredited by the
Commission on Accreditation of Allied Health Education Programs (CAAHEP). Programmatic accreditation is not required for employment in
many cases, but its existence is a further indication that the program
meets the standards of the profession, so it could enhance employment
opportunities for graduates. The programmatic accreditation can allow
graduates to sit for some credentialing exams immediately upon graduation.
The program has a total of 73 semester credits, with 20 credits in general
education and 53 credits in major course work. The curriculum outline is below:
General Education Courses
Course Number
Course Title
Semester Credits
Anatomy & Physiology I
Anatomy & Physiology II
English Composition
General Psychology
Interpersonal Communications
Fundamentals of Statistics
Program Major Courses
Introduction to Cardiovascular Technology
Cardiopulmonary Anatomy and Physiology
Cardiopulmonary Resuscitation
Patient Assessment and Basic Patient Care
Physics and Instrumentation I
Physics and Instrumentation II
Medical Instrumentation
EKG and Interpretation
Cardiac Dysrhythmias
Echocardiography I
Echocardiography II
Cardiovascular Technology Externship
Total Program Credits: 73 Credits
Length of Program: 2 Years
ENG 101 English Composition
3 Semester Credits
This course further introduces students to college-level writing and reading
skills through critical reading, group analysis, formal essays, and research
projects. Proper paragraph and essay structure is emphasized throughout
the course.
Prerequisites: ENG 098 and ENG 099 or passing of placement exams
SPC 101 Interpersonal Communications
This course is an overview of the process of human communication, with
special emphasis on analyzing communication patterns. Students learn skills
designed to improve interactions in family, social, and professional settings.
The course also addresses effective listening, pacing, attending, making
value judgments, summarizing, probing, empathy, handling emotions, perception
checking, and conflict management. Hindrances to effective communication
are also discussed.
BIO 101 Anatomy and Physiology I
4 Semester Credits
This course explores the structure and function of the human body. It includes
the study of cells and tissue, with focus on the integumentary, skeletal,
muscular, nervous, and endocrine systems.
BIO 102 Anatomy and Physiology II
This course is a continuation of Anatomy and Physiology I Topics include
the reproductive system, cardiovascular system, blood, digestive system,
urinary system, fluid and electrolyte imbalance, respiratory system and
the lymphatic system.
Prerequisite: BIO 101
MAT 204 Fundamentals of Statistics
This course introduces students to basic statistical concepts. It focuses
on frequency distributions of empirical data, calculations of descriptive
statistics, probability distributions, confidence intervals, hypothesis
testing, chi square, regression, and correlation.
Prerequisite: MAT 099 or Placement exam
PSY 101 General Psychology
This course introduces students to the scientific discipline of psychology.
It addresses cross cultural issues, historical perspectives, and the importance
of psychological well- being, with topics ranging from psychological disorders,
therapeutic approaches, and personality, to the biological basis of behavior,
learning and memory, development, consciousness, and the social nature
of human beings.
CVT 101 Introduction to Cardiovascular Technology
2 Semester Credits
This course provides students an understanding of the basic concepts of
the Cardiovascular Technology profession. Topics include discussions on
invasive and non-invasive cardiology, basic cardiovascular terminology,
cardiovascular patient assessment and diagnostic tools, and non-invasive
cardiovascular procedures. The course also includes discussions on medical
law and ethics with focus on cardiovascular and other related professions.
Prerequisite: None
CVT 102 Cardiopulmonary Anatomy & Physiology
This course provides the student with the understanding of cardiopulmonary
anatomy and physiology. Topics include normal cardiopulmonary anatomy
and physiology, embryology, ventilation, oxygen and carbon dioxide transport,
fetal development and the cardiopulmonary system, blood composition, pulmonary
and systemic vascular systems, the effects of aging on the respiratory
and cardiovascular system, and other topics required in cardiopulmonary
Prerequisite: BIO 102
CVT 103 Cardiopulmonary Resuscitation
1 Semester Credit
This course presents the techniques of cardiopulmonary resuscitation (CPR)
and foreign body airway obstruction (FBAO) management. It presents information
about the American Heart Association Adult Chain of Survival and signs
of heart attack, cardiac arrest, stroke and choking in adults. It also
includes infant and child Chain of Survival, signs of choking in infants
and children, how to reduce risk of sudden infant death syndrome (SIDS),
and prevention of the most common fatal injuries in infants and children.
Upon successful completion of written and skills evaluations, the student
is issued an American Heart Association Healthcare Provider card.
CVT 104 Patient Assessments and Basic Patient Care
This course introduces the concepts and techniques of patient assessment
and patient care. The student will demonstrate proficiency in proper body
mechanics, transfer techniques, medical asepsis, measuring vital signs,
medical emergencies, and taking a complete patient medical history. Principle
of barrier protection for blood and body fluid exposures, isolation precautions,
and discussions on OSHA and HIPAA are also included.
CVT 105 Pharmacology
This course is an introduction to the principles of pharmacology. Topics
include general classification of drugs, types of administration of drugs,
adverse effects and drug interactions, and dos-age computation. Emphasis
is given on cardiovascular pharmacology.
Prerequisites: BIO 102
CVT 106 Physics and Instrumentation I
This course presents the basic concepts and principles of ultrasound physics
as a foundation for understanding image interpretation. Students learn
by way of lecture, solving sample problems, and scanning in the student
lab. Students review material and take practice exams in preparation for
the ARDMS registry examination.
Prerequisite: MAT 099 or pass the placement exam
CVT 107 Physics and Instrumentation II
This course is a continuation of Physics for Ultrasound I. It reinforces
concepts learned and presents more advanced concepts in ultrasound theory
and instrumentation, fluid hemodynamics, color-flow Doppler spectral analysis,
and 3 and 4-D ultrasound, and safety and bioeffects. Emphasis is placed
on preparing students to pass the ARDMS registry examination.
Prerequisite: CVT 106
CVT 108 Medical Instrumentation
3 Semester Credits
This course is designed to give entry- level cardiovascular students an
overview of electronic circuits, their components and the manner in which
they function and operate medical equipment. Students will have a working
knowledge of physiologic recording systems and the various functions they
provide, with emphasis placed on electrical safety in the healthcare setting.
Prerequisite: BIO 102 and CVT 101
CVT 200 EKG and Interpretation 4 Semester Credits
This course covers twelve-lead EKG analysis including bundle branch blocks,
hypertrophic, infarction patterns, and pediatric EKG interpretation and
stress test procedures. The laboratory component of this course focuses
on equipment set-up, patient preparation, performance of 12- lead EKGs,
preparation and performance of stress testing, and analysis of both normal
and abnormal twelve-lead EKG recordings.
Prerequisites: BIO102, CVT101, CVT 102
Co-requisite: CVT 201
CVT 201 Cardiac Dysrhythmias
This course in non-invasive cardiology addresses cardiac electrophysiology,
the process of rhythm analysis, heart sounds and ambulatory monitoring
techniques. It highlights the theory, rationale, application, performance
and interpretation of non-invasive modalities, which include auscultation,
normal and abnormal heart sounds, and phonocardiography. The laboratory
component of this course will examine the twelve-lead EKG analysis and
troubleshooting, patient preparation and instruction and ambulatory monitoring.
Prerequisite: CVT 102
Co-requisite CVT 200
CVT 202 Pathophysiology
This course discusses the aspects of cardiovascular pathophysiology. It
includes an in-depth discussion of various cardiac diseases and treatment
options. Precedence will be on understanding the etiology and pathogenesis
of a given disorder. The function and regulation of the heart and blood
vessels, cellular structure and function, electrical activity and cardiovascular
integration and adaptation are also discussed.
CVT 203 Vascular
This course provides an understanding of the use of duplex ultrasound to
investigate the extra-cranial circulation of the brain, and arterial and
venous circulation of the upper and lower extremities. Normal and pathological
conditions are discussed in correlation with physical and clinical findings.
Student actively participates in laboratory scanning in the student lab.
Lab sessions include experience and competency testing in vascular sonography.
Case studies and imaging critique are addressed throughout the class.
Prerequisites: CVT 102 and CVT 106
Note: For students starting the CVT program effective Fall 2016, the Prerequisites
are: CVT 102, CVT 106, ENG101.
CVT 204 Echocardiography I 4 Semester Credits
This course is designed to introduce Cardiovascular Technology students
to the foundations of Echocardiography, and provides discussions on cardiac
ultrasound and its use in the evaluation of normal cardiac anatomy and
physiology. Students learn and practice echocardiographic scanning protocols.
Basic machine mechanics, basic physics as related to ultrasound, two dimensional,
M-mode, Doppler, and Color Doppler techniques are covered.
CVT 205 Echocardiography II
This course focuses on advanced pathophysiology, including stress echo,
trans-esophageal, is- chemic and congenital heart diseases. The student
learns to determine the presence of cardiac diseases and pathology as
seen during an echocardiographic exam. A review of various medical and
surgical treatments used in the care of patients with cardiac disease
is included. Basic ma- chine mechanics and physics as related to each
Echo examination are also covered. The laboratory component of this course
focuses on laboratory experiences covering advanced echocardiography studies
with Doppler interpretation.
Prerequisite: CVT 204
CVT 210 Cardiovascular Technology Externship
14 Semester Credits
This course provides clinical experiences which allow the student to perform
a noninvasive adult echocardiography exam under the direct supervision
of a qualified technologist and/or physician. The clinical site may be
a laboratory in a hospital, imaging facility, and/or private office setting.
At the start of the semester, the course will meet for a one day classroom
orientation session. During the orientation day, students will be instructed
on professional behavior expected in a lab, including attendance, and
dress code. At the end of the clinical rotation, student prepares and
present a case encountered during clinical rotation to current CVT students
and/or CVT faculty.
Prerequisite: All CVT courses
*Not all programs offered at both campuses. See program pages for details.
Eastern International College
Located at
684 Newark Avenue
Jersey City,
(201) 216-9901
Belleville Campus
Located at 251 Washington Avenue
Belleville, NJ 07109
Phone: (973) 751-9051
Privacy Policy |
Site Map


text:
|HomeExercise Equipment Weights & Dumbbells
Troy Barbell RUFD-040R Rubber Encased Pro-Style Dumbbells With Rubber End Cap - 40 Pounds - sold as pairs
Rubber Encased Troy Pro-Style Dumbbells are pre-assembled to ensure that they meet the standards required in heavy used commercial applications. All pro-style dumbbells use solid steel bolt design - bigger longer and stronger than the competition. These dumbbells consist of straight handles that feature special deep set knurling for functional performance and top of the line Troy rubber encased plates. The rubber end caps include the Troy name and numbers for easy identification. Includes one pair 40-pound dumbbells. Photo is for reference only.


text:
The chic yoga brand welcomes its seventh NYC store. The interior features reflective optical-art pieces depicting the 72nd Street subway stop, inspired by the work of Vancouver artist Roderick Quin. Even nonyogi gals will appreciate running tanks with built-in bras ($68), polka-dot athletic shorts ($54), shell jackets ($108) and cropped workout pants ($86). Guys can stock up on moisture-wicking tees ($64), chinos that double as breathable pants ($128) and vented zip-up jackets ($168). Sporty accessories include yoga mats ($48), slip-proof silicone headbands ($14) and colorful cotton-modal undies ($14).
|Venue name:
|Lululemon Athletica
2139 Broadway
New York
|Cross street:
|between 75th and 76th Sts
|Opening hours:
|Mon–Sat 10am–8pm, Sun 11am–7pm
|Subway: 1 to 79th St (Broadway)
|Do you own this business?
To improve this listing email: firstname.lastname@example.com


text:
When you jack off and then orgasm , you use a rubbing motion on your cock like when you squeeze the rest of the yogurt out from the bottom of the gogurt tube.
I had to get the excess cum out of my cock last night even though it was sore. So Patricia started gogurting it.
by Irish09guy June 12, 2008
Cleveland Steamer Plush
The vengeful act of crapping on a lover's chest while they sleep.Buy the plush
The act of slurping up man yogurt from a condom just like a gogurt, sliding your finger from the bottom to the top till maximum slurpage is achieved.
I was craving some gogurt the other day, but I didn't have any, but I did have a nut waiting to be busted and a rubber, so later that day I was totally gogurting that shit.
by Mang Gaiuy September 04, 2013
My girlfriend is so good at gogurting
by far-gone October 01, 2014


text:
This is the full research report for 22.214.171.124, which is an IP address.
Telekom Srpske
Internet Service Provider
78000 Banja Luka, Republika Srpska
TS Sysadmin
Telekom Srpske
Kralja Petra I Karadjordjevica 93, Banja Luka 78000
Telephone: 387 51 211 873
Fax: 387 51 222 730
TS Sysadmin
Telekom Srpske
Kralja Petra I Karadjordjevica 93, Banja Luka 78000
Telephone: 387 51 211 873
Fax: 387 51 222 730
188.8.131.52 is the IP address you have a ran a report for on May, 26, 2017.
If you meant to use another IP other than 22.214.171.124, then enter above and try again.
It is 2:05 AM CEST when you ran this report for 188.8.131.52 here on our website, IP-Adress.com. When it comes to 18.104.22.168, you can trust that if we have IP Whois information available for it, we will display it further below to assist in your research of this IP address. Feel free to run another search for 18.104.22.168 or a different search.
Timestamp Confirmation:
The IP Whois report for 184.108.40.206 was ran at 2:05 AM CEST on May 26, 2017 and the information is provided below if available.
View comments on this 188.8.131.52 Whois IP address report below or add your own comment about 220.127.116.11.
Now you can review additional IP Whois data for 18.104.22.168 below. Things like the status of 188.8.131.52 and the server of 22.214.171.124.
Don't forget that the server that hosts 220.127.116.11 could also host other IP addresses, so research accordingly.
|Hello guest sign up now!
Remaining lookups today: 22 (Get more)
My IP is: 18.104.22.168


text:
The 2016 Homecoming Parade will be held in downtown Canton and begins at 9:00 a.m. For those individuals and businesses who would like to submit an entry for the parade please fill out the registration form before Sept. 26 so that we can get the parade line-up and details to you in time for the celebration! Any questions regarding the parade, please call Jennifer Sousa in the Alumni Office at (800) 755-2287.
Please note the parade rules have changed. CLICK HERE for a full description of parade regulations.


text:
Click here to view sale items.
Can't find the item you are looking for using the search and browse tools above? View our special order catalog.
- Three offset positions 45/50/55mm
- 7075 aluminum with wide 63mm faceplate
- Fits 2005>current BoXXer, Fox 40, Dorado, and 2012+ 888 forks
- 160g with A2 stainless hardware
Not yet rated. Be the first to
Write a Review


text:
The Bogner Shiva amplifier features a pair of channels capable of both crystal clear highs and rich, full tube saturation, here in a 6L6 60 watt 2x10 combo.
This Bogner Shiva was built during the late 1990s and is in excellent condition. It has American style voicing, reverb, an FX loop, and a footswitch. There are individual reverb controls for each channel.
Bogner amps are very high quality, and use a printed board that is designed and built to account for all the interactions between components, providing greater reliability than standard circuit board amps and greater consistency than point to point wiring.
This is a consignment piece. Prices shown here are in US dollars and are based on a recent exchange rate. For Canadian dollar pricing, please follow the More Details link here to our website posting at www.12fret.com . Prices do not include shipping, taxes, or any import duties.
|Very Good
1. We accept Visa and Mastercard through our secure online payment processor. We do use 3d Secure, aka Verified by Visa and Mastercard Secure Code. If the card cannot be verified through this method, shipping delays may occur. 2. We accept wire transfers - please contact us for details. 3. We do not accept cheques. Our banks hold cheques far too long for this to be useful. 4. In person we're happy to accept cash or verified debit cards. 5. Normally, on our own website (www.12fret.com) we list prices primarily in Canadian dollars. On Gbase, we've converted the Canadian prices to US dollars at a 1.3% exchange rate. This rate is subject to change, reflecting current currency conversion rates.
Our primary carrier is FedEx. We also use Canada Post where rates or delivery schedules may provide better service to our customers. While we try hard to ship promptly, we will hold shipments if we determine that weather issues may cause damage to the shipped item.
Returns of Guitars, mandolins, banjos, amplifiers etc. All sales are final. We have a no-returns policy with a number of exceptions. To view our full return policy, and Terms and Conditions, please see the page at the link below: http://www.12fret.com/the-twelfth-fret-terms-and-conditions/


text:
Sticky Situation: Walking My Daughter Down the Aisle With My Ex
Sticky Situation:
Our daughter is getting married on May 4. I am the step mom. Last Saturday she called her dad and wants both her parents, my husband and his ex, to walk her down the aisle.
Maybe not a huge request but, my husband said he wants to walk his daughter down the aisle, solo. He absolutely does not want to walk his daughter with his ex-wife.
I think this is an accumulation of years of being pushed together in family photos, events, dinners, etc. Our daughter always says: "you are all my family and I love you all." We understand, but...he also feels a fair amount of resentment toward his ex.
He also feels resentment towards our daughter about this destination wedding. It is costing much more than what most of the family can handle, in this poor economy. The are the travel expenses of her expensive resort fees plus time off work and school. We have a few children still in college.
This is a bit of the straw that breaks the camels back. He feels that, the priviledge of walking her down the aisle, is being taken away from him. He is tired of stepping aside for everyone's happiness.
Please advise.
As you state, under "normal" contemporary circumstances your husband's daughter's request, of having both parents walk her down the aisle, would be very welcomed by both parents.
In asking her father and mother to escort her, the future bride is trying to arrange things to fit her family circumstances from divorced parents. As she says "you are all her family and she loves you all."
I understand your husband's frustrations with his ex-wife and the wedding expenses but, what is important anyway for his daughter's wedding? Love.
The proper role of the father-of-the-bride is to be happy for his daughter on her wedding day; to accompany her one on the most important day and what will probably be the most cherished memory, of her life.
At his daughter's wedding, your husband should put aside his differences with his ex and beam happiness for his daughter.
For future, less important gatherings, I recommend that your husband have a candid conversation with his daughter about his participation in activities that involve his ex-wife.
Heart to heart, I am certain that in the names of love and family, that they can come to a mutual understanding that will guide them for activities to come.
As for the expenses of a destination wedding, the fiancés are well aware of the downside: some guests, including loved ones, even siblings, may not be able to afford the costs.
No guest is ever expected to go into debt to participate in a wedding celebration. A guest's responsibility to a wedding invitation is to RSVP in due time and to send a gift. Accepting or declining a wedding invitation, is a choice.
Once again, if the siblings have not yet stated that they would participate in the wedding, a truthful conversation with your daughter in law could be in order.
I wish you and your family well.
Have a Sticky Situation yourself, write to firstname.lastname@example.com and Julie will reply promptly. You can also ask your questions on her Facebook page.
"It's a move towards sophistication," says Alyssa Brown of Alison Events in San Francisco, the planners behind Seth Rogen's recent nuptials. "For example, we're planning an outdoor event right now, but there's crystal on the table, and gold silverware and chargers," Alyssa explains. "And black tie is playing a huge role right now. It's full-length gowns for everybody!" Photo Credit: Sara Kathleen
"I see grey and taupe with pops of black," says Alyssa. Tara Guérard of Soirée in Charleston predicts that layers of blush will be big. Candles always have a major presence at weddings, but this year, look for them in showstopping chandeliers. "I like to incorporate chandeliers into my wedding design, especially in tents," says Ivy Robinson of Ivy Robinson Weddings and Events in Charlotte, North Carolina. Photo Credit: Jessie Leake Photography courtesy of Alison Events; Flowers by Brown Paper Design
Camping! It started with Matthew McConaughey's star-studded wedding, and now brides are loving the idea of a grown-up summer camp -- hence the new term, "glamping." Imagine ultra-luxe safari-style tents with heat, electricity and high-end linens. If the idea of overnight guests doesn't work for you, some brides are using the tents as part of the reception. "You can have a tent with books and bourbon," suggests Alyssa. "Or a kids' tent." Photo Credit: Moss Isaac
Soft, lush, romantic, the peony is the most-requested wedding flower for two years running now, according to Sayles Livingston of Sayles Livingston Design in Newport, Rhode Island. But with the bloom available for only two months out of the year, brides need a backup. Sayles recommends the garden rose, which has the same delicate petal feeling but is much more readily available. Photo Credit: Thayer Allyson Gowdy; courtesy Alison Events Flowers by Brown Paper Design
2013's brides swoon for garlands -- garlands with ribbon, garlands with paper, garlands hung from chandeliers. "We just did a wedding with one long center table and a garland of peonies and hydrangea running the full length of the table. It was 48 feet of full flower," Sayles says. Photo Credit: Corlis Gray Photography
The invitation look of the year? Foil stamping -- glints of metallic gold, silver and bronzes stamped directly on the invitation. Imagine your names shining in silver against an illustration of the Brooklyn Bridge, or calligraphy scrollwork made modern in gold. "It adds a very fun pop without being too glitzy," says Melinda Morris of Lion in the Sun in Brooklyn, NY. Photo Credit: Bella Figura
"A major trend is to do plated dinners now," says Elizabeth Creasey of Los Angeles-based Whoa Nelly! Catering, the go-to foodies for Hollywood A-listers. "We're getting more requests for gold silverware, something more sophisticated." Photo Credit: Watson Studios
"We do a lot of it in the cocktail hour: little banh mi (mini French baguette) sliders for Vietnamese brides or braised brisket sliders for a Jewish wedding," says Elizabeth Creasey of Los Angeles-based Whoa Nelly! Catering. Photo Credit: Jen Phillips
Pork! Beth loves to surprise guests with a main course that veers away from more expected beef offerings. "We braise pork shoulder until it's really tender, then slice and grill it with black-beans, citrus-pickled onion, and avocado salsa." Brides are demanding unexpected, fun, and above all, restaurant-quality food. Photo Credit: Ashton Events/Dave Lapham
"Tequila," says Olivier Cheng of New York's Olivier Cheng Catering and Events. Photo Credit: Joielala Photographie
The cake style that dominates right now is clean and modern with just one amazing pop of embellishment such as a bow, monogram or flower. The other major look takes the opposite tack, using eye-popping color or all-over appliqués. And finally, a traditional idea has come around again: Brides are loving cakes that mimic wedding-dress details like lace. Photo Credit: Cake Power
Remember when you'd only hear Motown, '80s tunes and hits off the pop charts at weddings? That won't be the case in 2013 says Rob Principe of Scratch Weddings, one of the country's top DJ services. "They want electronic dance music, then Bruno Mars, Mumford & Sons, sexy Brazilian house or bossa nova," Rob says. And don't be surprised if you see live musicians that play along with the DJ. "At the cocktail hour, you can have a percussionist and the DJ together -- like having live music embroider the DJ's 1,000-song playlist," Rob explains.
Brides are planning green weddings in greater numbers than ever. Kate Harrison of Green Bride Guide says the easiest way to go green is with your favors and invitations. Look for recycled, plantable, or tree-free papers, or even sustainably harvested wood-veneers on which to print your invites. Photo Credit: GreenBrideGuide.com
Follow Julie Blais Comeau on Twitter: www.twitter.com/EtiquetteJulie
Suggested For You
- HuffPost
Thanks for your report!
- HuffPost


text:
HTC One X Batteries
Find the battery HTC One X needs to stay powered up on the go! This massive machine needs at least an 1800mAh battery to keep it going. That's a lot of milliamps! Generally, smartphones these days use about 1300-1500 mAh batteries. However, this quad core beast takes up a little more. But fear not! The Geeks have got you covered! We've got the HTC Once X battery you need. For back up, for travel, or just for fun because you feel like purchasing new HTC One X batteries, the Geeks have what you need. Buy today for the best prices of the season!
Shop By
- Price
- $20.00 and above (1)
- Product OEM


text:
My Very First Bible and Prayers Paperback
by Lois Rock;
In Stock - Order before 4pm for same day dispatchWant it on Tuesday 30 May?
Order within 18 hours and 34 minutes for delivery on Tuesday 30 May when you choose Next Day Delivery at the Checkout
Price and PurchaseOffer price: £9.85 Go to Basket
If you're buying for a church, school or business, why not Buy Now Pay Later?Find Out More
My Very First Bible and Prayers
Full Product Description
Designed from the start as a matching pair, they feature the delightful and utterly child-friendly paper cut illustrations of Alex Ayliffe combined with the beautifully simple prose and verse of Lois Rock.
My Very First Bible contains 20 Bible stories - from the Old and New Testaments - and My Very First Prayers contains 120 prayers relating to the world of childhood; presented together these make a thoughtful gift for a much-loved child.
My Very First Bible and Prayers by Lois Rock was published by Lion Hudson in October 2011 and is our 1509th best seller. The ISBN for My Very First Bible and Prayers is 9780745961866.
Reviews of My Very First Bible and Prayers
Customer reviews and testimonials Write a review
Product Q&A
Got a question? No problem! Just click here to ask us about My Very First Bible and Prayers.
Related Departments
This product is also listed in the following departments:
- Christian Authors department under Best of British Authors
- Candle Books department under Bible Stories for Children
- Christian Publishers department under Lion Hudson
- Christian Authors department under Lois Rock
Related Products
If you like this you may also like...
Our Father
Easter Story
Good Samaritan
Daniel and the Lions
Jonah and the Whale
Samples of this Book
Adobe Acrobat Reader is required to view this.
Details for My Very First Bible and Prayers
|Page last updated
|14th March 2017
|Author / Artist
|Lois Rock
|Book Format
|Lion Hudson (October 2011)
|Recommended for Ages
|up to 4 years
|Number of Pages
|43 mm
|130 mm
|105 mm
|Product Code


text:
IFA Paris, the Paris Fashion School for Design and Business, has announced this year's scholarship awards.
The announcement follows the 2014 Fashion Show that has taken place in Paris and distinguishes three graduates from the IFA Paris Bachelor Fashion Design and Technology program. Each of them is invited to join the IFA Paris Postgraduate Contemporary Fashion Design (CFD) starting in September 2014 in Paris.
The scholarships are attributed to:
Valentine Metzger, from France
Moa Zhang, from Sweden
Adjoa Phillipps, from Ghana
The three scholarship recipients have been warmly congratulated by the IFA Paris management team.
The IFA Paris Scholarship program is designed to establish the school's pursuit of the talented and committed to a career in fashion design.
In the words of Jean-Marc Chauve, Managing Director of the Paris campus, the Postgraduate CFD program is "especially designed for fashion designers who wish to develop their own brand. Following 15 months within IFA Paris international environment, the students will have the opportunity to present their own collections in a Paris fashion show. Moreover, the IFA Paris Atelier allows the best students to utilize our resources and workshop space for a year upon completion of the CFD program."
About IFA Paris
IFA Paris, the Paris Fashion School for Design and Business, welcomes students on its campuses in Paris, Shanghai, Istanbul and Bangkok.
IFA Paris offers undergraduate, postgraduate and part-time courses in Fashion Design, Media, Business and Luxury in an environment of multidisciplinary collaboration.
With international lecturers who bare outstanding industry experience in both couture and business approaches, IFA Paris is at the forefront of fashion and luxury education and offers courses that reflect the breadth of opportunity available in these vibrant industries.


text: "If a man does not keep pace with his companions, perhaps it is because he hears a different drummer. Let him step to the music which he hears, however measured or far away." Hey everyone, I'm Heather! I like to write poems and beginnings of novels that I will most likely forget about and never finish. If you need ideas on what to write, leave a comment down below - I've got a brain closet full of them! I also like music of almost all types and am always open to song/artist suggestions of any genre, so you can leave those in the comments below as well (if you feel like it). If you're interested in short stories, check out my short story 88 Keys (http://www.protagonize.com/story/88-keys). If poetry is more your thing, check out my poem Meetings (http://www.protagonize.com/poem/meetings), which is short yet sweet, or, if you're in the mood to write some poetry of your own, consider adding a poem to my collaborative poem series Through My Eyes (http://www.protagonize.com/poem/through-my-eyes-3). I'm writing a fantasy novel currently (slowly, but sort of kind of surely), and when (and if) I finish it I may post it on here for everyone to read. I used to have the prologue up, but I took it down because of personal choice. Sorry :( Thank you to those who take a look at my works, and have a nice day!


text:
You are currently using an unsupported web browser.
We support the latest versions of these browsers:
If you have any problems while attempting to download a browser, you should contact your organization's system administrator.
For any questions related to Cvent, feel free to contact our Customer Care team.
Northstar Ratings are powered by Northstar Travel Media and are based on objective and unbiased evaluations from experienced editors that individually analyze, research, and evaluate hotels. Hotels and suppliers are not required to pay any fees or pay for memberships to have their property rated.
Northstar Ratings are powered by Northstar Travel Media. Please email firstname.lastname@example.com if you have any questions or comments regarding the rating of an individual property.
The Falstaff is a conveniently located hotel in Canterbury, with free parking and walking distance from both the city centre and Canterbury West railway station. It is one of the leading hotels in Canterbury. Relax in one of our forty six ensuite bedrooms, offering the best value of Canterbury hote...
You must be logged in to view contact information for this supplier. Sign up for a free Cvent account today.


text:
Warning: Creating default object from empty value in /home2/cama/public_html/components/com_k2/views/itemlist/view.html.php on line 162
[UPDATE] pc game ghost recon download fiel [yovQ] free
Description pc game ghost recon
FileName: pc game ghost recon
Language: ENGLISH
04/09/2015 13:37:21
Website | All Programs
Total downloads:
Windows XP/Vista/7/8 (32-Bit/64-Bit)
Download URLs
Related software:
04/09/2015 13:37:21
6/12/2012 · IGN is the Ghost Recon: Future Soldier (PC) resource with reviews, wikis, videos, trailers, screenshots, cheats, walkthroughs, previews, news and release datesGhost Recon is a special kind of game in that even after its 13th birthday, it still motivates gamers to create new content for it. Ghost Recon fans are still gifted ...ghost recon 2 free pc game download - Ghost Recon: Future Soldier: The future of 3rd person shooters?, and much more programs.General Links: Important Serial Info; Game Fixes: Ghost Recon: Advanced Warfighter v1.35 [MULTI] No-DVD/Fixed EXE; Ghost Recon: Advanced Warfighter v1.06 [MULTI ...Tom Clancy's Ghost Recon Future Soldier. There is nothing fair, honorable, or just about combat. There is only winning and losing—the dead and the living.Tom Clancy's Ghost Recon: Future Soldier. Developer: Ubisoft Paris ; Publisher: Ubisoft ; Genre: Shooter ; Release Date: June 12, 2012 (US) About Tom Clancy's Ghost ...11/13/2001 · IGN is the Tom Clancy's Ghost Recon (PC) resource with reviews, wikis, videos, trailers, screenshots, cheats, walkthroughs, previews, news and release datesGameStop: Buy Tom Clancy's Ghost Recon Future Soldier, UbiSoft, PC, Find release dates, customer reviews, previews and screenshots.Ghost Recon Online offers players the ability to choose between three different classes of Ghost, customize their weapons, deploy cutting-edge military technology ...Downloadable Content Tom Clancy: Ghost Recon Future Soldier is intiailly released as a download. It is usually an expansion pack so check to see if you need a main ...
pc game ghost recon
Most downloaded this week:
my book external hard disk
driver consulting
keygen izotope vinyl
esquire 2014 february
viaje a las estrellas
stream music mp3
tina yuzuki sexual intercourse at school torrent
harvard law school book store
gamestop deoxys worldwide
rocco siffredi angel
armin van buuren idina menzel
arms video game
list of alternative rock christmas songs
huge army games
greath mp3
stiff mary roach ebook
full color digital printer marketing
iie org programs
business valuation pdf
subdesu senran kagura 1280
gallery game girl video
ameren safety award program
dark itchy skin patches face
pa management associate program
taylor dayne mp3


text:
Today we're going to look at news articles the Huffington Post does and does not cover. Yesterday, the Huffington Post published a news story from Israel about the Israeli government shutting down a radio station operating out of the West Bank:
Undoubtedly a disappointing move on the part of the Israeli government. But the Huffington Post failed to cover this story out of Iran:
Iran does essentially the same thing. So why does the Israeli story get published on the Huffington Post and the Iranian story doesn't? Could it be that the Huffington Post has an agenda to push and favors one country over the other?
(thanks to Elder of Ziyon for the Iran story)


text:
Free Stuff, Samples, Coupons, and Sweepstakes | Woman Freebies
August 4, 2014 | Videos
We've all seen dogs react to their owners after coming home from a long deployment, but now it's the cats turn!
Note: skip to the 45 second mark!
You work too hard for your money to throw it all away on full price when you don't have to!
© adjump 2011 All Rights Reserved No part of this website or any of its contents may be reproduced, copied, modified or adapted without adjump's prior written consent.


text:
This birthday will forever be known as the birthday that tripled our Lego collection! Luke has been talking for months about his birthday (he's always very enthusiastic about holidays!) and made it well-known to everyone that all he wanted was Legos! He has brought me the little advertisement "magazine" from his previous Lego kits and pointed out the kits he wanted... he's been doing this for at least four months. It made picking out his gift so much easier! Beth desperately wanted to get him a Robin Hood dress up costume (which he liked but let's be honest... Jack loves it more) and I found a switch-blade hair comb on Amazon that I hoped would satisfy his desire for a pocket knife! Once he figured out how to use it, he loved that too!
Grandma and Grandpa generously hosted his party, made him his favorite dinner (steak!), and then we had brownies and ice cream. Luke knows what he wants, asks for it, and was pretty much in heaven the whole afternoon!


text:
I accept all friend requestRead More
Join Date
Place Visits
Forum Posts
A place originally entered in the Dusekkar Raceway Building Contest contest
ROBLOX is now loading. Get ready to play!
You're moments away from getting into the game!
Check Remember my choice and click
in the dialog box above to join games faster in the future!


text:
dlmilord Review
Perfect Fit and Style
My son needed a tux for 2 weddings this summer; purchasing rather than renting seemed financially prudent, especially when I saw this tux at this price. I was a bit nervous ordering but once it arrived I was certain I made the right choice!
- How did the color on site compare with the actual product? Exact
- Please tell us about the quality of the product. The quality is great
- How accurate was the sizing? The sizing was very accurate and fits perfectly
Was This Review Helpful?


text: Cedar Rapids Gazette (Newspaper) - September 15, 1974, Cedar Rapids, Iowa (.lip thin V alliable (Coupon: ammu COUPON Cl Ki n DIAPERS regular 21' \ IO" absorbent gauze 2 do.. sa lf first quality would be $7 OO a dozen. Coupon Expires Saturday, September 21. No Phone Orders or Deliveries. Limit 4 Doz. LAYETTE ITEMS Converta-C'rib. Crib, playpen, car bed and dressing table in one adjustable, nat- O O* ural wood item Complete with mattress. J* ii Thermal Blankets. Ideal for baby year around. Cotton and polyester in white, pastels or candy 024) 1 stripes. 9J Jn,i 9j Baby Dresses and Creepers STOM to $1 UM ,fj- — Values, now at J* lo I Good selection of little dresses, plus creepers a crawler sets from our regular stock. Infant and todd sizes. KLEINERT'S BIBS ................... 2 l..r 7* WATERPROOF PLASTIC PANTS ..... 3 fur I RECEIVING BLANKETS, reg. LSI ... HOODED TOWELS AND BABY ■ TOWEL SETS GERRY PLEAT-SLAT CARRIER LAP PADS, Package of 3 TRAINING PANTS .... CRIB SHEETS (white) WATERPROOF CRIB PADS .............. I COTTON KNIT BABY SHIRTS: * . Long Sleeve Snap Front ..........62 ami H Short Sleeve Snap Front . 62 ami I Shor Sleeve Slip-on ..... IO .Hill • > ARMSTRONG BABY DEPARTMENT THIRD FLOOR Register for Prizes 3 Child Size Rocking Chairs Three rocking chairs will be given free to those names drawn Saturday, September 21. Register any time this week on Third Floor Baby Department. SEM C*|R ITT TIDY-UPS Baby I ide-l ps reg. 79c per box 2 79" Premoistened washcloth pops up when needed. Disposable, medicated, soft and gentle. SPECIAL SALK OK PAMPERS DISPOSABLE DIAPERS I) WI IMP MW NKW KO UN 30\ reg. 2.33 reg. 2.03 | 79 I 39 Save on popular disposable Pampers diapers with custom-fit tapes. Keep baby dry and comfortable. Fliminate pins, plastic pants and laundering. No phone orders or deliveries on Pampers; please. ARMSTRONG BABY DEPARTMENT-THIRD KLOOR A 4A The Cedar Rapids Gazette: Sun . Sept. 15, 1974 Sale! W lute NX icker holding Baskinettes regularly I O |. $1«.IM £ Special value on these handsome wicker baskinettes that have folding legs and easy-rolling, non-marking wheels. Easy-to-carry handles. Use it as a car bed. ARMSTRONG BABY DE PAR TM ENT THIRD FLOOR Welsh W inkle Stroller 27 usually 0^99 $34.00 Deluxe stroller with vacuum formed seat and back and Clearview storm shield for baby's comfort. Three-position adjustable backrest. Wire market basket. Denim patch print. ARMSTRONG BABY DEPARTMENT THIRD FLOOR Welsh Folding High < hair a regular /\(>() $26 value I rn Deluxe folding high chair folds for storage and converts to a youth chair. Thickly padded seat and hack are blue-denim patch print. Wire foot rest. ARMSTRONG BABY DEPARTMENT THIRD FLOOR Bnhhv Mac (.ar Seal a 26<n Specially designed safely restraint sys tem has safety belt and shield. Four posi lions. Black, blue or brown ARMS I RONG MAHY DF.PAR I MI NI THIRD KLOOR Welsh "Pumkin-Seat" ^ -N. usually $8.00, now 6» I Baby carrier is heavy-grade plastic with vacuum formed pad. Blue denim patch print cover, adjustable stand. ARMSTRONG BABY DEPARTMENT THIRD FLOOR Welsh Play Yard * regularly F* OO Ad Drop side play yard has deluxe nylon net sides with center leg support. Blue denim patch print pad and top and bottom hems. ARMSTRONG BABY DEPARTMENT THIRD FLOOR W elsli J ti mper a I /I BR $18.00 I J Playmate walker-rocker jumper combination. Chrome tubular steel construction with plastic play tray. Removable casters. ARMSTRONG BABY DEPARTMENT THIRD FLOOR FLAME RETARD WT ACRYLIC FLANNEL Blanket-Sleepers and Grow Bags very special values now sizes S,M,L and XL 494 Monsanto flame-retardant modacrylic flannel meets all government safety standards. Both styles have full-length front zipper with knit collar and cuffs. Grow hag has special smp-it hem for added length. Blan-ket-sleeper has non-skid soles on feet. Assorted pastels and high-fashion colors. ARMSTRONG BABY DEPARTMENT THIRD FLOOR Prop-a-Scat Carrier famous Inlantseat quality, now just Choice of maize, green or white thermoplastic carrier with colorful nursery print pad. ARMSTRONG BABY SHOP THIRD FLOOR ;