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HHS Announces New Grants For Innovative Care Programs
The Department of Health and Human Services announced $1 billion in funding for innovative health care solutions.
The U.S. Department of Health and Human Services is making up to $1 billion in funding available to public and private organizations to develop innovative strategies for improving health care while lowering costs.
In an announcement Monday, the department outlined its goals for the Health Care Innovation Challenge, which was established as part of the Affordable Care Act. Those applying for grants, which will range from $1 million to $30 million over three years, should focus on three priorities: workforce development and deployment, meaning that applications should explain how they would improve the health care workforce; speed of implementation; and the sustainability of the program being proposed.
"We've taken incredible steps to reduce health care costs and improve care, but we can't wait to do more," said HHS Secretary Kathleen Sebelius said in a statement. "Both public and private community organizations around the country are finding innovative solutions to improve our health care system. The Health Care Innovation Challenge will help jump start these efforts."
Health care providers, patients, local governments, public-private partnerships and collaboratives are eligible to seek funding. Letters of intent are due on Dec. 19, and applications are due by Jan. 27, 2012. The awards will be announced March 30, 2012. Recipients will be monitored for their effectiveness in improving care and lowering costs; they will be expected to provide data that demostrates how they are progressing toward their stated goals.
The department listed several uses of the funding that are explicitly prohibited: the matching of any other federal funds; paying for services or equipment that are the legal responsibility of another entity; and replacing for existing state, local or private funding for infrastructure or services, such as staff salaries.
We invite you to discuss and comment on this article using social media.


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SV Eyecare
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The SV Eyecare app contains the latest information about eye care. It has the following features:
* Wiki (learn all about your eye)
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Złącza przemysłowe A roadway's common on a daily basis travel may be the amount of automobiles deemed over the yielded generation epoch - in excess of some day other than lower than twelve months - partitioned with the variety of daytime appearing in with the purpose of instant time. You'll be in a position to see wherever they am situated originating from and repeat your current powers towards the unchanged transfer age bracket procedure people accustomed to produce the eye. As a result ones visitors is situated extraneous also you could have become emaciated your time and efforts persuading see your face toward your own website whom merely isn't enthusiastic about your own item. In the event you take it easy from the handful of extensively been knowledgeable about passage arguments plus go in new to the job area, anyone might locate a wider various marketing and advertising furthermore larger victory involving ones website adapting is winning. At no cost site visitors is usually a dreadfully ineffective approach to World wide web selling in case you are drawing near this incorrectly.
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I wanna cook
Cooking something?
Whatever it is, sell a few portions on Super Marmite! It's a great way to interact with your local community and to get real feedback on your cuisine :)Post a meal


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BAGHDAD, May 1 (Reuters) - Iraq's crude oil exports rose to
2.508 million barrels per day (bpd) in April from 2.317 million
bpd in March, the head of the State Oil Marketing Organisation
(SOMO) said on Tuesday.
Exports from the southern city of Basra were at 2.115
million bpd for the month while exports from Kirkuk were at
393,000 bpd, Falah Alamri told Reuters.
(Reporting by Ahmed Rasheed; Writing by Serena Chaudhry)


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Hi! Didja miss me?
I'm planning on making my first trip back to school this morning, and I'm strangely excited by the prospect. I have a number of objectives for the adventure, not the least of which being my wanting to get reacquainted with my room; I want to re-imagine the set up of the place, and to do an inventory before I make a hajj to IKEA later this month. I'm considering bringing in a sage smudge, too, just to see if I can clear the energy in that room and start fresh. I've been told I can paint, too, if I want, though I'm not entirely certain I do – I'll think about it, though.
I also need to feed and tend to my fish, and to try to get my head back into the work-space. We're down to something like 15 days before school starts up again, and I've really not done much in the way of planning or scheming at all, and that gives me a tinge of concern. I'd like to get my professional switch flipped so I can at least start thinking about how I'm going to arrange the school year, and I'm putting a bit of faith in the idea that being in the space will be the start of what I need to begin thinking like a teacher again.
More later!


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McConville makes a strong case for Cross'
THE CONVERSATION about repetitive success in sport does, eventually, bore. There goes the All Blacks or the Kilkenny hurlers, winning again. Average folk simply can't relate, so they switch off. Same goes for a certain south Armagh football village. Crossmaglen Rangers captured their 16th county title in 17 years last Sunday.
Oisín McConville has been sneaking onto ball and punishing defenders ever since they ended a 10-year drought way back in 1996. Aged 36 now, the only goal scorer in the 2002 All-Ireland final provides a fascinating insight into winning with his attitude to losing.
For all the medals garnered over three decades, McConville's brightest memory seems to be what happened in 2009. Pearse Óg's disruption of the most fluent of hot streaks can be compared to those unruly bikers walking into Sonny's bar in A Bronx Tale.
"We were going to have to lose at some stage in Armagh in order to try and get another run going," said McConville as the AIB club championship was launched last Monday. "To be honest, they probably did us a favour as much as it was very, very difficult to take. That's probably the reason why we went on and won two All-Irelands [2011 and '12] and that's why we won another Armagh championship yesterday [beating Pearse Óg 3-9 to 0-11] because it did hurt and we wouldn't disguise that fact.
"That year we weren't involved in the club championship in October, November, December and that really hurt. The boys didn't know what to do with themselves. We got together in January and we promised that that would never happen again. We've been unbeaten since that. I think that's 34 months. For us to do that is a serious achievement regardless of what we've done in the past.
"This is a team that's sort of surviving on its own merits now."
Constant achievement can only be appreciated by attending the after-show party, as McConville explained. "It was a brilliant win. We've been under a bit of pressure all year. We haven't been playing well. We've had injuries, we've had a few boys defecting through emigration and things like that so it is becoming harder. It's becoming tougher when you're on the road three years.
"When the game was in the melting pot, all our young boys and everybody responded and did their stuff, so from that point of view we'd be over the moon. People say about 16 in 17 years but the thing is if you go to Cross' last night, it was like it was our first time. That's how special it is."
Paul Grimley is the new Armagh manager. Joe Kernan's assistant in 2002, Grimley is a Pearse Óg man but would know the value of doing what Kernan did back in the late '90s; channelling the Cross' way into the Armagh way. "I'll be very, very surprised if there are not five players at least that are good enough to play with Armagh."
McConville mentions Paul Herity as a possible return as goalkeeper, also adding Paul McKeon, David McKenna, Johnny Hanratty, Aaron Cunningham and Tony Kernan to a list of established Rangers players like Aaron Kernan and Jamie Clarke that should be on the 2013 Armagh panel.
The argument against their selection by former manager Paddy O'Rourke was that he didn't have enough time with them due to club commitments up to March 17th is something McConville refutes. "In fairness, it hasn't helped and it didn't make life easy for Paddy O'Rourke but I just don't think his argument held any water in that he said he hadn't seen enough of them.
"If he had to go to club championship matches all year he would have seen enough of them and for me, I don't believe in the fact that Armagh county football is not doing well because Cross' are doing well. I don't believe in that at all. Cross' were going well in 2002, 2003, 2004 when Armagh were challenging for honours every year.
"There was a lack of enthusiasm about Armagh football this past couple of years and there was a lot of players asked to play football for Armagh who didn't want to play. I don't know why that was but Paul Grimley will change that I think.
"He'll entice players back. He'll get a bit of enthusiasm going about Armagh football and I think if we can get that, get our best players playing, I believe that we are good enough. I watched all the quarter-finals up here this year and I believe we have as good players as any of the teams. If we get the system right and get players moving in the right direction, everybody together, we would have a chance."
He is talking about winning an All-Ireland, not a club All-Ireland but Sam Maguire. "I'd just be of the opinion that, over this last couple of years, for us to only have two [Crossmaglen] players playing against Tyrone and two players playing against Roscommon is complete madness, to me, when you consider the quality that the boys have shown all year.
"To be honest, it was actually quite hurtful. There were a lot of players in our panel that were quite hurt by that. Whenever boys do come back and play for Cross' it gives them that extra spurt to try and prove: 'I'm good enough to play for Armagh'."
The Tipperary county board last night announced that new hurling manager Eamon O'Shea has appointed Michael Ryan of Upperchurch-Drombane as his assistant manager. Both were selectors for Tipperary's 2010 All-Ireland title under Liam Sheedy. Paudie O'Neill of the Ballyboden St Enda's club has been appointed as team coach.


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Welcome to Joint Powers Water Board.
In light of recent events in other parts of the country regarding lead in drinking water, you will find valuable information by following the link above
For your convenience there are five ways to pay your bill...
- Auto pay click here
- Pay your bill online click here
- Online bill pay through your own bank
- Send us a check with your remittance stub
- Drop off a payment in our drop-box at our office at
11100 50th street NE in Albertville.
Remember to "Go Green" & and help us save the Earth.
Just click here and we will get you started.
What is the, "Joint Powers Water Board?"
Simply Stated:
JPWB is the collaboration of Albertville, Hanover and St. Michael's water and sewer utility services and is managed by Veolia Water North America. Click here to read about the history of the Joint Powers Water Board and details about Veolia Water NA. Our Annual Water Quality Report is available online. Annual Quality Report. If you have any questions, please click on "contact us" and we'll get back to you with the information requested.


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Welcome to Amy's! "The Original AWARD-WINNING Amy's Apples"
Just about everything at Amy's Candy Kitchen is freshly hand made by our gourmet chocolatiers and fudge experts. Amy's Candy Kitchen has been a local retail confectioner since 1996 and has made every effort to continually improve our award winning quality, freshness, aroma and savoriness. Our art is pure decadence. Our retail store and 19th century open-concept kitchen is located in historic Cedarburg, Wisconsin. Our award winning caramel is hand made from premium quality natural ingredients by our gourmet chocolatiers. Our luxurious caramel contains no hydrogenated or partially hydrogenated oils and tastes just like mom and grandma used to make. Every batch of Amy's Gourmet Apples contains NO trans fats, artificial colors, mono and diglycerides or shelf retaining preservatives that you might find in many big box retailers.
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Amy's Gourmet Apples are ALL natural. We use only plump and tart jumbo granny smith apples with every batch of caramel we produce. Our caramel is artisan made by our gourmet chocolatiers in our old world copper kettles which cooks our caramel at a slow consistency to provide our gourmet buttery flavor that no one can match. Our toppings are hand packed and garnished on every single apple we produce by our chocolatiers. We want to provide Amy's Candy Kitchen's loyal customers with an award winning quality that they deserve. All of our confections are made the same day your order is to ship out to fully GUARANTEE complete customer satisfaction! That's our specialty.
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Amy's Gourmet Apples uses only velvety, world-class Belgian Chocolate from Brussels as our base chocolate in everything we make. It is a "Couverture" chocolate which means it has more than 31% cocoa butter. The nuts are also freshly roasted in small batches to obtain optimal freshness. Our almond bark and english toffee are recipients of the Blue Ribbon "Seal of Excellence" from the Wisconsin State Fair.


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Parent Services
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Each of the school districts offers both Early Childhood and pre-K At-Risk programs to students living within their boundaries. Students are screened for eligibility prior to enrollment. Please contact your school district for information.
The following private options are available:
Glendale Heights Park District
Tutor Time
Islamic Montessori School
ABBA Christian Childcare
Where your child will go to school depends on exactly where you live. The school district that serve Glenside Public Library District patrons are:
Marquardt School District 15
Queen Bee School District 16
Glen Ellyn School District 41
St. Matthew Catholic School
Park District
The Glendale Heights Park District offers a variety of classes and activities for all ages.
Parent Resources
Check out these resources for tips on child development, health, and safety:
American Academy of Pediatrics
Illinois Parents
Positive Parenting
Oaklee's Family Guide
Online Homeschooling
Online Highschool
Need help finding a book in a lexile range? Check out lexile.com
Need help finding an accelerated reader title? Check out arbookfind.com
Need help finding an early learning program? Check out excelerateillinois.com


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Contact: Jonathan Albert
Campbell Grapplers Drop Three Matches in N.C. State Duals
RALEIGH, N.C. Elliot Berger won two bouts and Brian Hocum earned one victory, but the Campbell Grapplers dropped three matches in the North Carolina State Duals Saturday afternoon.
The Camels dropped matches to Duke (47-0), Appalachian State (40-3) and Anderson College (34-11) on the afternoon, dropping their record to 0-5 in dual matches.
The most successful match of the day for the Camels was against Anderson College. CU dropped the match 34-11, but had two individuals Elliot Berger and Brian Hocum earn wins. Berger's win was a technical fall (17-2) 5:33 seconds into his bout with Michael Sanders. Hocum pinned Careef Robertson in 3:37 to earn his victory.
Berger, a junior from North Canton, Ohio, notched the Camels only win against Appalachian State when he defeated Terreyl Williams 12-7.
Host school, North Carolina State took two of its three bouts on the day, while North Dakota swept through its three matches to run its winning streak to 23.
The N.C. State Duals
were CU's first action in 49 days. The Camels will have another 10
days off before returning to the mat to host Gardner-Webb on
Tuesday, January 18 at 7:00 p.m. in Carter Gym.
[Complete Results]


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Being in Ohio and involved in the shooting sports, I can take an educated guess to whom you spoke with.
Anyway, now is not the time to be lazy or apathetic. If it were up to me, We'd be having a tea party.
This is a discussion on Conversation with a member of Congress within the General Firearm Discussion forums, part of the Related Topics category; I had a phone conversation with my Representative this morning. I consider him a personal friend, and have known him for several years. His kids ...
I had a phone conversation with my Representative this morning. I consider him a personal friend, and have known him for several years. His kids are part of my County 4-H Program, and his eldest daughter (who is one of the most natural markmen I have ever seen) will be going to a 4-H Shooting Sports program training with me next month.
Several topics came up during this conversation, a couple of which I'd like to highlight here.
He first told me that this administration is as far left a we will ever see. And that's from a person who is not one to exaggerate. The Constitution of the United States means very little to them. It's power and control. One example is the attempt to get statehood-like representation in Washington DC. It makes not one whit of difference what the Constitution says. It's more that DC is a liberal stronghold with a lot of liberal support.
We also discussed what we, at the local level, can do. Amongst the things he suggested is of course, write to your representatives and senators regardless of their affiliation, stance on guns, the Constitution and especially the 2nd Amendment. They need to know your feelings. The problem in a lot of cases is voter apathy. Also, get involved in the CMP (Civilian Marksmanship Program: CMP Home) . There are many like minded folks shooting at Camp Perry in Ohio, and more to the point, it's a wealth of knowledge. Get involved in youth shooting sports programs. For example, one which I've touted on this board a number of times - the 4-H Shooting Sports program. Here's the URL to Ohio's version - Ohio 4-H Shooting Sports . One of the things I've found is that if you get the kids interested in shooting sports, the parents at best get involved, and at least lose their fear of the unknown. They find out that we are not a bunch of ultra right wingers who wear cammies and hide in the wood waiting to shoot something or some one. Our kids are going to be the future, and if enough include guns in that future, at least the next generations won't have to do what we are doing to preserve our rights.
Or, we can chose to sit around and do nothing about things and not get involved. And I don't need to explain the consequences of that choice.
I won't publicly divulge the name of the guy to whom I spoke. If you want to know who he is, PM me. But what I will say is that he is one of the true patriots who believe very strongly in the part of his oath where he swears to uphold and defend the Constitution of the United States against all enemies - foreign and domestic. Not selected parts of the Constitution, but the Constitution in it's entirety.
Thanks for reading and listening.
"Never underestimate the power of stupid people in large groups"
Being in Ohio and involved in the shooting sports, I can take an educated guess to whom you spoke with.
Anyway, now is not the time to be lazy or apathetic. If it were up to me, We'd be having a tea party.
"Just blame Sixto"
I reserve the right to make fun, point and laugh etc.
Yup. And you would probably be right on your guess about my conversation.Anyway, now is not the time to be lazy or apathetic. If it were up to me, We'd be having a tea party.
"Never underestimate the power of stupid people in large groups"
Μολὼν λαβέ
I'm just one root in a grassroots organization. No one should assume that I speak for the VCDL.
I am neither an attorney-at-law nor I do play one on television or on the internet. No one should assumes my opinion is legal advice.
Veni, Vidi, Velcro
Definitely need to step up. Unless the Great Hope falls on his face in his first four years...he will be back for another four and start to work on his personal causes...to include guns.
Friends don't let friends be MALL NINJAS.
I am just as nice as anyone lets me be and can be just as mean as anyone makes me. - Quoted from Terryger, New member to our forum.
Folks should have been posting stuff like this and taking _action_ 3, 6, 12, 24 months ago!
That the Obama administration is ultra-left should be no surprise to anyone, who had been paying attention prior to Election Day...and not easily bamboozled by hype and marketing.
Now that the boat is under sail and we sensible people are stowed away in the hold, best we can do is sit in the middle and hold on whilst praying for calm seas.
Last night Nancy Pelosi sat in the background the whole time beaming, grinning and smiling from ear to ear.
What seamen refer to as being a sign of rough weather coming.
- Janq
"Went to see the Captain, strangest I could find...Laid my proposition down, laid it on the line. I wont slave for beggars pay, likewise gold and jewels. But I would slave to learn the way to sink your ship of fools..." - The Grateful Dead, 'Ship of Fools'
"Killers who are not deterred by laws against murder are not going to be deterred by laws against guns. " - Robert A. Levy
"A license to carry a concealed weapon does not make you a free-lance policeman." - Florida Div. of Licensing
Nice quote Jank!
"Thier walls are built from cannon balls... thier motto is "Dont tread on me"" . Grateful Dead "Uncle Johns Band"
Is your friend a Republican? I have a Republican representative in Congress. He has gotten a lot of media time lately. In every sound byte from him, bald faced lies spew from his mouth. I am completely serious - lies. He knows he is lying. He does not care if it gets him media attention. He does not have a plan for dealing with the economy. He is not about representing my district with responsible legislation. He is about tearing down the other side by any means necessary. His masters (not his constituency) tell him to bark and he barks.
I am absolutely sick of this partisan warfare. To be perfectly clear, I am not defending the Democrats. However, I am ashamed and astonished at how morally bankrupt the Republican party - as a party - has become.
Call me naieve, but when politicians lie to me, they are telling me that they have nothing to offer beyond their own power gratification.
Don't be confused. The Republicrats and Demicans both gave us the current mess we're in. The Constitution, the 2A in particular, means very little to most anyone in the ruling class these days. Any thinking person must assume that every word from every politician is at the very least misleading until proven otherwise.
I'd love to see another tea party. Just let me know when and where. Freedom is the only way out.
The Ethics of Liberty
The Survival Podcast
How long have we watered the Tree of Deceit with the blood of patriots?
I'm in, but if we are going to have a tea party, shouldn't it be environmentally friendly and be a "green tea" party
An ounce of lead is worth 200lbs of cop.
NOW is the time to get involved. BOTH parties have let the American people down. Time to weed out the power hungery partisans and use the FEW who remember they work for the American people as "seed stock". It is good to know there are a few....Blue Dog Democrats come to mind also. Time to start working towards the 2010 elections. We the people need to search out and encourage individuals who believe in the Constitution and know who is "boss". WE ARE....not the government....not the parties.
Republicans want my money in the future...they are going to have to PROVE to me that the course has changed. I think there were as many Republicans as Democrats who were "trashing" Sarah Palin...all because she is not one of the "Country Club Republicans". Apathy has been our problem....let's not let it become our downfall.
BTW....Dennis Miller had the best name for Pelosi last night. HACK IN THE BOX. She looked like she had been "sampling" California's biggest export.....POT.
A woman must not depend on protection by men. A woman must learn to protect herself.
Susan B. Anthony
A armed society is a polite society. Manners are good when one has to back it up with his life.
Robert Heinlein
Both party's are way off the reservation! I started listening to Rush again on a regular basis a couple of months before the election.
Ok, while a lot of folks just hear his name mentioned and immediately go off on a tangent, but Rush is a Conservative, not necessarily a Republican. But he whole heartily declares that the Republican party has moved away from Conservative values.
I agree with Rush, that together, Conservatives must strive to put Conservatism back into the Republican party.
Face it, the Republican party was supposed to be the party of Conservatives. They aren't anymore and it's up to us to restore it.
Try giving Rush a listen to for a few weeks. He has a plan for those of us who are Conservative above all else. And he does have a wide reach.
Semper Fi
"The gun is the great equalizer... For it is the gun, that allows the meek to repel the monsters; Whom are bigger, stronger and without conscience, prey on those who without one, would surely perish."
IF someone attempts to take guns away.... I'ld hate to see them try to take my 12 yr old granddaughter's rifle away from her. LOL. She loves to shoot. So does my 10 yr old grandson. But she, would fight you for her rights ..... tooth and nail.
She learned that somewhere......
Our Reps hear from us, and are on track. However, they made some comments to start writing Pelosi, Reid, and the others.... as often as possible.... not just your own representative.....
If I may pick a nit; once upon a time the Republicans were Libertarians and a far cry from what usually gets labeled Conservative lately.


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Hello, Mamas!
I'm here to announce the latest passel of winners of A la Mama giveaway goodness.
1. The Glad Rags winner is….Vanessa Betcher.
2. The Mayron's Goods winner is…Brittany.
3. The Wild Woozle winner is…Joyce Taylor.
Thank you so much for your participation! I'm very happy for you.
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We saw glimpses of how good Gabby Obertan can be for Newcastle last season, but some niggling injuries seemed to interrupt his progress a bit last term.
Gabby Obertan in action against Blackburn last season
There's no doubt Obertan has a lot of skill and is a good technical player, and that's true with most of the French players, who are schooled in the basics when very young.
And Obertan also likes running directly at defenders, which can scare the living daylights out of them, and looked very good in some of the games last season.
So with an injury free season next term, we think (and hope) that Gabby can improve his play on Tyneside.
This is what Gabby, who was born in Pantin in the northeastern suburbs of Paris, told the local press today:
"I am looking forward to finding some rhythm and coming back fully fit." "You always need that. Everybody had a great season last year and we'll look to build on that."
"As a first-team player you have to prove all the time what you can do in front of the manager." "No matter if that's in training, friendly games, reserve games or first team."
"You are always looking improve and catch the manager's eye." "I showed last season I can play in a different position when needed." "But you just want to play your part no matter where that is."
Gabby played 25 times with one goal last season for the Magpies, and that was a big improvement over his two previous seasons at Manchester United, where he played only 28 times with one goal.
Obertan played for all the French Youth teams at U16, U17, U18, U19 and U21 level – appearing 11 times with one goal at the U21 level.
But Gabby has never been capped by France at full International level, and we also have to remember he's still only 23.
This lad still has time to do very well at Newcastle, and then maybe force his way into the full French side, and that's what we'll be hoping for over the next year or two.
Comments welcome.


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White Flag
produced for Unfurled in Estonia, curated by Pond
Press Release PDF
White Flag is a U.S. flag spray-painted white. Depending on the cultural context a white flag may have various meanings. In the United States the predominant understanding is that a white flag signifies a surrendering – or at least a devious/heroic plan to ensnare the enemy in a deadly bluff. This White Flag is not a celebration of modernist values, or an example of witty iconic pop art. This is one flag become another. Disclaimer: White Flag will fade and crack while exposed to natural and human elements during exterior exhibition thereby, beginning a transformation back to the U.S. flag.
"A U.S. flag painted white, Mark Cooley's White Flag plays on various cultural resonations. In the United States white flags signify a surrendering – but exposed to natural elements (sun, wind, rain, etc.), White Flag will crack and fade, eventually returning the artwork to its originary incarnation as a piece of cloth. We are left with an open ended question about the evanescent nature of art and the axiomatic character of symbols in the political imaginary. White Flag also alludes to various monochromatic paintings in 20th century Western art (Rodchenko, Robert Ryman, Malevich, Yves Klein, Rothko) that position themselves as the death of painting, a non-painting painting, a blank slate to which we impute meaning. In Cooley's piece, an actual flag underlies the layers of paint - as if to expose the political and social underpinnings of a Modernist 'neutral field'." Press Release, Written by Marisa Jahn


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19th October 2017 - 11 Days
India Photo Tour – Life through the Lens
How it works
When you book a holiday with Wild Frontiers you are awarded 'miles', which are based on the return distance from London to the arrival city of your trip. Wild Miles are awarded for all our holidays, from walking tours to riding holidays and from escorted group tours to tailor-made trips. When you accrue Wild Miles, you will qualify for the following discounts on all future bookings:
Blue: More than 10,000 miles travelled - 2.5% discount
Bronze: More than 30,000 miles travelled - 5% discount
Silver: More than 45,000 miles travelled - 7.5% discount
Gold: More than 60,000 miles travelled - 10% discount
For more info please click here
At Wild Frontiers we have always strived to offer the most authentic, safe and ethically sensitive travel experiences on the market, not necessarily the cheapest. From the support system in London to the holiday itself, we feel we offer the best way to see and experience a destination and that is why our loyal clients come back to us time and again. So when making price comparisons, please bear in mind the following:
It is for these reasons, and the expert delivery of our trips, that we have won so many awards and have so many loyal clients. As we say, we are not the cheapest, but we do fell we are the best.
NB: Please see dossier for exact details of what is included on this specific tour.×
19th October 2017 - 11 Days - $4,640
India Photo Tour – Life through the Lens


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Auto Racing • Kyle Busch held off rookie Kyle Larson at the finish Saturday to win the Nationwide Series race at Bristol Motor Speedway in Tennessee.
Larson stalked Busch around the bullring as he looked for the right place to make his move. It came as they closed in on the finish line with both drivers held up by lapped cars.
Busch chose the low line and Larson went high, then tried to squeeze his way past Busch. Larson's car bounced off of both the wall and Busch's car, but he was nipped at the finish line by Busch.
Utah Sports Hall of Fame will honor 7 preps coaches
Prep sports • The Utah Sports Hall of Fame Foundation will honor seven former high school coaches and two contributors during the annual spring honors and awards banquet Tuesday at the South Towne Expo Center in Sandy during a 6:15 p.m. reception and 7 p.m. dinner.
Distinguished coaches are Brad Bevan of South Jordan; Ferril Heaton of Alton; Jon Hoover, formerly of Pleasant Grove; Linda Mayne of Salt Lake City; Phillip Robison of Fillmore; Philip Russell of South Ogden; and Jim Yerkovich of Salt Lake City. Distinguished Service Awards will go to Ward Armstrong of Ogden and Paul C. Smith of Kaysville. In addition, six Utah high school graduates attending in-state colleges, will receive $2,000 Ream's scholarships.
From wire reports


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Former OSU standout, NBA player Greg Oden arrested, wears best shirt ever for mugshot
Greg Oden was a HUGE prospect when he came out of THE Ohio State University, so the irony of the shirt he was arrested in is not lost on anyone...
#BREAKING Mugshot of Greg Oden released. Oden arrested and jailed in Lawrence on a simple battery charge. #WTHRcom pic.twitter.com/jjYUv4pHvw
— Bruce Kopp (@BruceKopp13) August 7, 2014
Oden was arrested and jailed on simple battery charges. Get the details here >>


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Technology Spotlight 11/10/09
Published November 10th, 2009
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When it comes to listening to music, technology has accelerated in the past 20 years. Cassettes supplanted records, compact discs replaced cassettes and internet downloads have made CD's obsolete.
The visionary leaders of a company from Gainesville think the next generation of music fans is ready to embrace a new way to collect music: keeping their collections online.
David Snyder spoke with Sam Tarantino, the founder and CEO of Grooveshark, in the Technology Spotlight segment during the 5:30 Live newscast.
Related Stories
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- Hyundai recalls 883K Sonatas to fix gear shifters
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- Your Wallet Now on Your Smartphone?
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- Monitoring Social Media


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Free personalized radio that
plays the music you love
Foolish Love
Features of This Trackmellow rock instrumentation
blues influences
folk influences
jazz influences
a prominent rhythm piano part
acoustic sonority
demanding instrumental part writing
major key tonality
melodic songwriting
a dynamic male vocalist
mallet percussion
intricate arranging
and many other similarities identified in the Music Genome Project
These are just a few of the hundreds of attributes cataloged for this track by the Music Genome Project.show more
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do i have a case, can i get this off my record, do i have to obtain a lawyer? what all can i get from this.
Respectfully, there is no way to determine an answer to your questions without a complete statement of facts by you, and a review of the police reports. These would need to be analyzed in conjunction with the charges actually filed, and then a determination of could be made of likely outcomes, such as not guilty/guilty and the potential short-term (sentencing) and long-term (expungement) consequences. Either repost with these types of information, or consider a direct consultation with a lawyer licensed in WV. Good luck.
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Welcome to the forum. Take a look here and see if your question is covered: Handgunlaw.us
This is a discussion on Question about carrying in vehicle with CWP within the Concealed Carry Issues & Discussions forums, part of the Defensive Carry Discussions category; I know alot of people in SC with a CWP that carry not in a compartment or on themselves, but rather in a holster attached ...
I know alot of people in SC with a CWP that carry not in a compartment or on themselves, but rather in a holster attached to the vehicle or even in the open. Is this legal? I would find it much easier to draw my firearm if it were in a holster between my seat however am reluctant to do so due to the laws.
AZCDL Life Member
NRA Patron Member
NROI Chief Range Officer
I'm sure it depends on the law of your state.
I switch between 2 vehicles on a regular basis. My full size van is not uncomfortable to ride with my gun in it's usual IWB spot however my convertible is EXTREMELY uncomfortable no matter where I shift the position of my holster. But because it's a convertible and I don't want to be seen putting the gun in it's IWB holster when I get out of the car, I just live with uncomfortable. In the van I could switch between a tucked holster in the vehicle and IWB and not worry about being easily seen.
Proverbs 27:12 says: The prudent see danger and take refuge, but the simple keep going and suffer for it.
Certified Glock Armorer
NRA Life Member
In the event of having to exit the vehicle quickly, will you remember to retrieve the gun?
Thanks, but I'll wear mine while driving.
In Kentucky it's "concealed on or about you" I carry a second gun in a Desantis Kingston car seat holster so I won't have to deal with removing my CCW in the car. If I need it, it's at my finger tips. Since I have a License to carry concealed in Ky, I don't see any problem with the Kingston whether it's open or concealed about my person.
This allows me to carry my CCW without having to re tuck before exiting the car. My car gun is alway locked in the glove box when I exit the car and the car is always locked if I'm not in it.
Sarge 80 1976-1981 US Air Force
Well, it depends:
1. Is OC legal in SC, with or without a CC license?
2. Is CC legal inside a vehicle without a CC license?
3. Are there specific requirements for carrying a firearm inside a vehicle?
I ask because in FL, anyone who can legally possess a handgun can conceal it in a "private conveyence" as long as it's "securely encased," meaning: in a glove compartment, whether or not locked; snapped in a holster; in a gun case, whether or not locked; in a zippered gun case; or in a closed box or container which requires a lid or cover to be opened for access. It cannot be "on the person" unless one possesses a CC license. It also cannot be openly displayed (except under certain specific circumstances).
A simple look at SC's statute on open and concealed carrying of firearms in vehicles should answer your questions.
Retired USAF E-8. Curmudgeon at large.
Lighten up and enjoy life because:
Paranoia strikes deep, into your life it will creep. It starts when you're always afraid... Buffalo Springfield - For What It's Worth
In SC it must be ON the cwp holder and not in a holster beside you. If not on you it must be in the glove compartment or trunk.
Always put Jesus first in your life.
NRA (Lifetime Member)
U.S. Navy Vet.
From the SC section of Handgunlaw.us :
RV/Car Carry Without A Permit/License
Anyone who can legally own a firearm can carry it loaded if contained in a closed Glove Box, Console or Trunk. Their law is very specific on the only locations where it can be carried.
Unlawful Carrying of Handgun; Exceptions.
It is unlawful for anyone to carry about the person any handgun, whether concealed or not, except as follows, unless otherwise specifically prohibited by law: 9) a person in a vehicle if the handgun is secured in a closed glove compartment, closed console, closed trunk, or in a closed container secured by an integral fastener and transported in the luggage compartment of the vehicle; however, this item is not violated if the glove compartment, console, or trunk is opened in the presence of a law enforcement officer for the sole purpose of retrieving a drivers license, registration, or proof of insurance
Bottom line is you can't mount a holster, holder, etc and be legal in the state of SC...You also cannot put in an "open" area that can be viewed. It MUST be a closed area.
OHHHH..Welcome to the forum from Florence, SC
Sometimes in life you have to stand your ground. It's a hard lesson to learn and even most adults don't get it, but in the end only I can be responsible for my life. If faced with any type of adversity, only I can overcome it. Waiting for someone else to take responsibility is a long fruitless wait.
What First Sgt said;
let's express it just a little differently;
In SC anyone who can legally own a handgun can keep it loaded in a glove compartment, console or trunk with the lid/cover closed (out of sight). This is good for out of state travelers. You must have a SC CWP to keep it anywhere else in the vehicle as this is considered concealed. There is no provision for open carry in SC so it must always be out of sight. You must have an "resident" CWP from an acceptable state to conceal carry here. SC DOES NOT recognize any states non-resident CWP. It bites, I know. You can get a SC non-resident CWP if you live out of state but own property here.
Now I don't know what part of SC you are in so keep in mind when traveling and crossing into NC the law is the exact opposite. NC is an open carry state. You can have a weapon in open plain sight but, anywhere else covered or in a closed compartment is considered concealed and you better have a CWP for that. The good news is that NC recognizes a SC CWP. If traveling westward and entering Georgia... They do not recognize a SC CWP and I do not know the requirements there for carrying a weapon in your car. I don't go to Georgia much, in fact it has been a long time. Hope that helps you.
...he that hath no sword, let him sell his garment, and buy one. Luke 22:36
USN/VET; NRA; GOA, jpfo.org
Life in a Jar: The Irena Sendler Project www.irenasendler.com
SC hand gun law is vague in my opinion. It states that anyone who is lawful to own a gun can keep it in their glovebox/ closed compartment with a latch. But with a CWP you can either keep it in a closed compartment or on ones-self but not in a holster between the seat with a hat over it to conceal it? I dont see the difference in having a CWP and having a firearm on you or between your seat as long as you inform law enforcement of the location.
As others pointed out it is up to the laws were you are at as to the legality. I do see where having your weapon off your body while driving could be handy. My IWB holster worn at 3:00 is damn near impossible to draw in a hurry because of the seatbelt. I have considered something mounted to the steering column to alleviate that problem.
There is the problem that some posters have mentioned on different forums that a weapon in your vehicle allows the police to enter your vehicle to retrieve it. Giving them a chance to snoop around. If it is on your person it leaves the vehicle with you. Removing their excuse to go inside your car.


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Bratton returns to lead New York City police force
NEW YORK — William Bratton, whose tenure as New York City police commissioner in the 1990s was marked by a decline in crime and clashes with then-Mayor Rudolph Giuliani, has been chosen to lead the nation's largest police force again.
Mayor-elect Bill de Blasio announced the appointment on Thursday, saying Bratton is a "proven crime fighter" who knows how to keep the city safe.
He is being named to lead the 34,000-officer department as it tries to maintain a historic drop in crime and an extensive counterterrorism program, even as its tactics have become increasingly scrutinized. Bratton, who has led the Boston and Los Angeles police departments, will succeed Raymond Kelly, the New York Police Department's longest-serving commissioner.
"Wherever he's gone, there's been a reduction in crime," said de Blasio, a Democrat who takes office on Jan 1.
Over and over, de Blasio stressed that Bratton will try to continue the city's record public safety gains while improving police-community relations, which he said he believes have been strained by the police tactic known as stop and frisk.
The tactic allows police to stop anyone believed to be acting suspiciously. Its supporters say it has driven down crime, while its critics say it unfairly targets black and Latino men.
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Long-distance routes and tour tips
The Danube-Lake Constance Route through Upper Swabia and the Württemberg Allgäu region takes cyclists through gentle hills and sweeping upland plains.
This link between the Danube and Lake Constance cycle routes runs from Ulm on the Danube to Kressbronn on Lake Constance. After stopping for a break on the market square in Biberach, you continue through meadows and woodland to Bad Waldsee. The route then heads down into the valley of the Wolfegger Ach river, after which villages, flower-filled meadows and copses begin to line the path. Kisslegg with its historical buildings and Wangen with its old town both merit a visit. The final stage is a downhill section to Kressbronn through conservation areas, apple and cherry orchards and fields of hops.
Terrain: the route runs mainly on asphalt paths, is otherwise surfaced with crushed brick/stone and is usually traffic-free. Hilly in parts with occasional challenging climbs.
Scenery: beautiful long-distance cycle route that passes through orchards and hop fields and the foothills of the Alps; skirts the Upper Swabian Baroque Route. Lots of swimming lakes, spa resorts and thermal baths.
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This star rating is the opinion of the property owner only. A Self-Rated hotel has not been assessed by the AA or Visit Britain, whose official star ratings we use across LateRooms.com.
The Kingsley at Eversley4 Self rated
Reading Road Eversley Centre, Eversley, Hampshire, RG27 0NB
Price FromView Rooms
- Excellent
- 4 guest reviews
"Wonderful friendly welcome ,excellent stay, very comfortable room spotless .would recommend it for a peaceful stay ,..."
"Can't recommend The Kingsley highly enough. Personal service that no chain can hope to match. Warm welcome; good food and excellent range of..."
"Description was small single room. Well it wasn't big but a very long way from the smallest I have stayed in. The bed was somewhere between..."
"Very nice, underfloor heating ,big tele! Very nice..."
"excellent accommodation worth every star ,room fantastic very comfortable the owner really friendly and helpful and breakfast exceptional e..."
About the hotel
Luxury in a well-connected village. New restaurant "The Kingsley Business and Fine Dining Club (https://server. thekingsley.
co. uk) Superfast 300Mbps internet - at no charge to our guests. Located between the M4 and M3 motorways, The Kingsley at Eversley is an ideal base during your stay in the area. Peaceful yet convenient for Camberley, Farnborough, Aldershot, Reading, Basingstoke and Fleet. Heathrow airport is 30 minutes drive and trains from nearby Blackwater and Fleet connect with Gatwick, central London (Waterloo) and Southampton. Licensed bar and evening meals on request Wi-Fi free of charge. Eversley village lies in the area straddling Hampshire, Berkshire and Surrey; known locally as The Three Counties. It was the home of the Victorian writer and scholar the Reverend Charles Kingsley who in the nineteenth century wrote several childrens' books including The Water Babies and Westward Ho! As a social reformer he actively challenged the abject poverty suffered by agricultural workers at the time. He was friends with the American writer Harriet Beecher Stowe (Uncle Tom's Cabin) who visited him in Eversley in the 1850's. The Kingsley was built in the late 1800's for Charles' daughter, Georgina Rose Kingsley. Her garden was a talking-point in the neighbourhood for its fine roses.
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- Aerobics Studio, Croquet, Clay Pigeon Shooting, Sailing, [Channels] News, [Channels] Movies (Free), [Channels] Foreign (European), [Channels] Music, [Channels] Childrens
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Chevelle rocks the Project Cinco 2012 festival inducing crowd surfing and flying undergarments…caught on digital.
Photography Notes:
The shooting interval was the standard first three songs from the pi. Lighting was largely of the ambient variety in the setting afternoon sun. On stage lighting provided a bit of color in the form of LEDs. Exposures fell about 1/250 F2.8 ISO800.


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Sixty years of waiting for a National Park on the South Downs could soon be over.
The question of whether the South Downs should become a National Park has been debated by policymakers and campaigners over six decades.
But there are signs that the saga may now be drawing to a conclusion.
On Friday 28 November 2008 a report on the matter from the Planning Inspector was sent to the Environment Secretary Hilary Benn.
He is expected to consider it and make a decision by early Summer 2009.
Even this represents a delay - earlier in 2008, his Department was saying that a decision would be taken in the first few months of next year.
Calls for a National Park
With an end to their campaign potentially in sight, supporters of a new National Park are not letting up.
On Monday 1 December, the South Downs Campaign will send out 250,000 postcards out to its supporters.
Each one bears a picture of a part of the South Downs, and is pre-addressed to the Secretary of State, urging him to create England's tenth National Park.
But support for National Park status is far from unanimous.
The Politics Show's reporter Helen Drew spoke to Ben Taylor, a farmer near Lewes, who is concerned that the extra visitors attracted by National Park status will cause problems.
For example, he is concerned that people wandering near livestock may bring dogs which could disturb his animals.
He also fears that planning constraints will be tightened, making it difficult for him to make alterations to buildings on his farm.
Negative impact?
Tighter regulation is something which also concerns Mark Froud, Chief Executive of Sussex Enterprise.
He believes that National Park status could have a negative impact on the local economy, with small businesses finding the National Park regulations so restrictive that they get fed up and move out of the area.
It is something which he has experienced in other National Parks where he has worked.
On Sunday morning, our presenter Paul Siegert will be joined by Chris Todd from the South Downs Campaign, who is in favour of National Park status being awarded.
Also in the studio will be Ben Underwood from the Country Land and Business Association, who is worried about the impact which it could have on country businesses.
Also featured...
It is a week when many commuters in the region reacted angrily to the news that that they would be facing inflation-busting fares increases on South Eastern trains from January 2009.
Transport Minister Paul Clark - who is also MP for Gillingham and Rainham - will discuss the issue with Tunde Olatunji, Kent and Eurostar manager for Passenger Focus, the consumer watchdog for train passengers.
And we will also be covering the evolving story surrounding the arrest of Ashford MP and Shadow Home Affairs Minister Damian Green.
If you have got any views or comments on the South Downs, train fare increases in the region or the arrest of Damian Green, we would love to hear from you.
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Johanna & Kevin
April 15
Playa Herradura, Costa Rica
Q & A with the Bride:
Which three details from your wedding were your favorites?
1. Our guests, who traveled so far to be with us.
2. The location-Costa Rica is absolutely breathtaking.
3. Our photographers-they did an amazing job capturing every last detail. Some pictures captured moments that could have been missed within the blink of an eye.
Give us one moment in your wedding that you can't stop thinking about?
I can't stop thinking about the entire weekend. A destination wedding allowed for us to spend quality time with our friends and family. We didn't have to cram everything into four or five hours. We had days to create memories. It was an unforgettable experience, and we wouldn't have done it any other way.


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Here ericdress.com shows customers a fashion collection of current promise rings with names.You can find many great items. They all have high quality and reasonable price. You can get big discount sometimes, because we always do promotions. If you need promise rings with names,come here to choose. We give you good items and services.
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Some Simple Sign Building Tips
So recently we had the opportunity of building an awesome new sign, here is what we learned.
Your content must be as radiant and eye catching as you possibly can and you ought to use the largest measured monitor you can get away using. Some stanchion makers also create merchandising systems that can be easily attached to the queuing stanchions. Small businesses have discovered airborne advertising to be particularly productive because they attempt to settle their feet inside the fast marketplace. The fluorescent clock is battery-operated or run using an external electricity source exactly like any other clock. In this manner, you're able to draw focus of customers resulting in a growth in traffic on your business.
We decided to go with these guys after we read about their lifetime guarantee being it was the best we found.
Then we saw that gemini also offers a guarantee which you can read more about here. Overall we're happy with our choice though.
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Fundación León 2000
Kiva conducts regular, ongoing monitoring of all Field Partners, but only posts status updates here in response to relevant, major changes at the partner.
Company Profile
Fundacíon León began operations in 1993 as the first microfinance institution to serve the western part of Nicaragua. Fundacíon León 2000 works to further the development of micro, small, and medium enterprises through credit services and management, applying the best credit industry practices and technical expertise. As of September 2011, Fundacíon León 2000 employs 92 dedicated people working in 8 offices in León, Chinandega, Chichigalpa, Somotillo, Jinotepe, El Sauce, Managua and Nagarote, and serves more than 5,000 borrowers (almost 70% of whom are women).
- The Katalysis Network awarded Fundacíon León 2000 its Recognition of Excellence prize. An annual prize awarded to partner microfinance institutions that have shown strong financial performance and achieved high performance standards in microfinance development.
- Additionally, the Mix Market recognized Fundacíon León 2000 awarding it 5-Stars, in recognition of the overall transparency, quality, and reliability of the institution's process and information.
Social Programs
Fundacíon León 2000 has the unique aspect of having a social programs department within its walls. Run by five powerhouse women, the social programs department is constantly seeking grants to develop educational and entrepreneurial capacities in and around León.
Fundacíon León 2000 received an Academic Excellence grant from USAID for a two year project to institute new teaching methodologies in Nicaraguan schools. The program will also include increasing classroom resources for teachers and establishing parent-teacher committees and student body organizations.
Another program, sponsored by a joint grant from International Youth Foundation and ARGIDIUS, is skills training program for young persons. 200-300 young persons between the ages of 20-30, will enroll in a multidimensional skills development program. Participants will either follow the entrepreneurial track or the vocational track. Those in the entrepreneurial track will develop business plans to be approved and funded by committee, they will be eligible for special loans as seed money for their business. Those in the vocational track will have internships and 40% will be guaranteed jobs upon completion of the program.
Two annual social programs are the Merry Christmas program, which provides toys to children living in extreme poverty, and Sponsor a Child, aimed at 12 study centers in areas of extreme poverty in the western part of the country. With the help of people who share our motto, "with your help, I can change my life," Fundacíon León aims to provide a supportive education for children in Nicaragua.
For more information about Fundacíon León 2000, please take a look at this video: Fundacion Leon 2000 Video
Please explore our institution and engage more dutifully with our motto, "Financing with Social Responsibility."
León, Nicaragua at a glance
León is considered to be the intellectual center of Nicaragua, known as the University City. It is also the birth place of national poet and "The Prince of Castilian Letters," Rubén Darío. León Viejo was established in 1524 by Francisco Hernández de Córdoba, but the city was razed in 1610 when the Momotombo Volcano erupted. UNESCO declared León Viejo a World Heritage Site in 2000, located 30 kilometers from the city's current location.
León is the second largest city in Nicaragua with a population of 175,000. It is located in the volcanic lowlands of the country, 20 kilometers from the Pacific coast. It hosts gorgeous beaches and six of Nicaragua's active volcanoes.
Through a combination of international aid, debt forgiveness and increased exports, Nicaragua is stabilizing its economic policies. The economy of Nicaragua has made significant progress since the Contra War in the 1980s and the devastation of Hurricane Mitch. However, Nicaragua notoriously remains the second poorest country in the Western hemisphere.
Update from Kiva Staff on July 7, 2011:
In recent years, the "No Pago" movement (a movement for non-repayment of loans) has created concern around the increased risk of loan non-repayment by Kiva borrowers in Nicaragua. As a result, last year Kiva posted a loan alert on Nicaraguan loans, warning lenders about the potential risks of lending to entrepreneurs in Nicaragua. Earlier this month though, the government passed a new microfinance law that has addressed many of these concerns. As a result, the situation appears to have resolved itself and the "No Pago" loan alert is being removed.
We will update this page if there is any additional information available.
Update from Kiva Staff on July 19, 2010:
In order to help you better understand the potential risks of lending to entrepreneurs in Nicaragua, Kiva continues to provide information on the "No Pago" movement (a movement for non-repayment of loans).
The momentum behind the No Pago movement appears to have largely dissipated, as a result of the National Assembly's passage of a law in April 2010. This new law allows delinquent borrowers (as of June 2009) to re-negotiate loans with more favorable interest and terms. Borrowers who were part of the No Pago movement were required to approach MFIs to re-negotiate their loans by May 12th of this year. While many borrowers did approach MFIs to re-negotiate their loans, it still only accounted for a small percentage of the members of the No Pago movement.
For Kiva lenders who previously lent to Nicaraguan borrowers:
- If your loan had default coverage, then even if your loan was affected, the MFI will cover your loan for the full amount.
- If your loan did not have default coverage by the MFI: If the borrower you lent to did not approach their MFI before May 12th, their loan cannot be re-negotiated under the terms of the No Pago movement resolution. Kiva is working closely with its Field Partners in Nicaragua to see if any Kiva clients have re-negotiated their loan under this law and will message to lenders accordingly.
For Kiva lenders considering making new loans in Nicaragua: it seems that as a result of the passage of this law and since the term for re-negotiation has passed, the microfinance situation is calmer in Nicaragua than previously. Kiva will continue to update the Kiva lender community if the situation changes significantly.
Special notice on Fundacion Leon 2000 from Kiva Staff on June 18, 2010:
Kiva recently conducted on-site monitoring at Fundacion Leon 2000 in order to re-assess the level of risk posed by this institution. The analysts found that some of the components that Kiva looks at during our due diligence process did not merit a 5-STAR rating and adjusted the rating to 4.
Repayment Performance on Kiva
|This Field Partner
|All Kiva Partners
|Start Date On Kiva
|Apr 10, 2008
|Oct 12, 2005
|Total Loans
|Amount of raised Inactive loans
|Number of raised Inactive loans
|Amount of Paying Back Loans
|Number of Paying Back Loans
|Amount of Ended Loans
|Number of Ended Loans
|Delinquency Rate
|Amount in Arrears
|Outstanding Portfolio
|Number of Loans Delinquent
|Default Rate
|Amount of Ended Loans Defaulted
|Number of Ended Loans Defaulted
|Currency Exchange Loss Rate
|Amount of Currency Exchange Loss
|Refund Rate
|Amount of Refunded Loans
|Number of Refunded Loans
Loan Characteristics On Kiva
|This Field Partner
|All Kiva Partners
|Loans to Women Borrowers
|Average Loan Size
|Average Individual Loan Size
|Average Group Loan Size
|Average number of borrowers per group
|Average GDP per capita (PPP) in local country
|Average Loan Size / GDP per capita (PPP)
|Average Time to Fund a Loan
|9.55 days
|6.9 days
|Average Dollars Raised Per Day Per Loan
|Average Loan Term
|11.13 months
|11.13 months
Journaling Performance on Kiva
|This Field Partner
|All Kiva Partners
|Total Journals
|Journaling Rate
|Average Number of Comments Per Journal
|Average Number of Recommendations Per Journal
Borrowing Cost Comparison (based on 2014 data)
|This Field Partner
|Median for MFI's in Country
|All Kiva Partners
|Average Cost to Borrower
|Profitability (return on assets)
|Average Loan Size (% of per capita income)
Country Fast Facts
- Country:
- Nicaragua
- Capital:
- Managua
- Official Language:
- Spanish (official) 95.3%, Miskito 2.2%, Mestizo of the Caribbean coast 2%, other 0.5%
- Population:
- 5,848,641
- Avg Annual Income:
- $4,800
- Labor Force:
- agriculture: 31%, industry: 18%, services: 50%
- Population Below Poverty Line:
- 42.50%
- Literacy Rate:
- 82.90%
- Infant Mortality Rate (per 1000):
- 20.36 deaths
- Life Expectancy:
- 57.48 years
Field Partner StaffMilena Bonilla
Francisco Nicolas Carcamo Amador
Veronica Cortez
Juan José Gómez Arbizú
Sergio Gurdian
Marcos Hernández
Jesenia Mendoza
Yubelka Moradel Benavides
Alfredo Osejo
Irene Vasquez


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Cold temps bless Eldora
Last week, Rob Linde, Eldora Mountain Resort spokesman, said that three days of below-freezing temperatures were needed to open on time. Four days before opening, the temperature at Eldora was 60 degrees in the daytime. Things were looking grim.
And then, on Tuesday, three days before opening, a cold spell dropped over the Nederland area and it didn't let go. For three days, frigid weather brought icy winds, perfect for loading the snow guns and shooting powder over EMR trails.
On Friday morning at 9 a.m. the lifts began their relentless round-trip up the mountain, as planned. It was 10 degrees, but those in the lift line praised the cold. Snow guns blew white clouds over the base and conditions were ideal.
Marketing representative Tavid Bingham says, "Challenge/Cannonball lifts will serve top to bottom skiing on intermediate trails, Hornblower and International, on a 20" base of packed powder and machine-made snow."
Continuing cold and snow is predicted for the next week and even more trails will be open for those who can't wait to get on the slopes.
The usual race for first chair did not include the usual winners. Three unknowns grabbed the first chair title and for the first time, they were snowboarders, not skiers.
Jonathan Blair Ermer from Lake Tahoe said he came all the way just to catch the first ride. Pat Ryan of Boulder said he just happened to luck out by arriving early, and Oly Svenson of Boulder said he has been thinking of that first chair all year long.
Actually, the ski patrol takes the first ride up the mountain, and then EMR guests clamber aboard and whoop and holler as they are whisked up the hill, their yearning for zooming down the slope about to be satisfied.


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Deals of the day- Mergers and acquisitions
(Adds Blackstone Group, ConocoPhillips, Media General, Heineken, Concordia Healthcare, Potash Corp, General Electric; updates RSA)
Sept 8 (Reuters) - The following bids, mergers, acquisitions and disposals were reported by 2000 GMT on Tuesday:
** Blackstone Group LP will buy real estate investment trust Strategic Hotels & Resorts in a deal valued at $6 billion, attracted by the company's iconic hotel properties in key locations of the United States.
** Media General Inc said it would buy diversified media company Meredith Corp for about $2.34 billion to create the third-largest local TV station owner in the United States.
** Dutch brewing company Heineken NV has bought a 50 percent stake in U.S.-based beer maker Lagunitas Brewing Co to expand into the craft beer industry.


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Beyond The Tracker: Letting students define success
Back in the day, which by the way is 2008, a corps member's effectiveness was measured by "significant gains" in the classroom. I lived and breathed by my tracker, and if my students were on the way to "sig gains", then we were A-OK. At the end of the year, all three of my classes had achieved "sig gains" and we were extremely proud of ourselves. Hooray! Pat on the back! The tracker is green!
But what did a tracker full of green mean for my students? Did they understand the progress they had made? Did I fully understand the progress they had made? When my school learned that it was overstaffed for the next school year and I packed up my classroom, I didn't feel confident in the work we had accomplished and how that would translate into my students' future successes.
I shared my feelings with my MTLD at our End-of-Year reflection meeting and realized that my students would have benefitted from an End-of-Year reflection meeting with me.


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The England manager Fabio Capello was at Stamford Bridge yesterday, not least, hours before announcing his squad for the World Cup qualifiers against Kazakhstan and Belarus, to check on the in-form Ashley Young. The same Ashley Young who, aged 16, was sent by his teachers at the John Henry Newman School in Stevenage for the obligatory consultation with a careers officer.
He went grudgingly, protesting with every nuance of body language. The youth-team coaches at Watford FC had just refused him a full-time football scholarship, but they saw enough promise to invite him for training twice a week, as long as he stayed on at school to tackle his A levels.
To Young, this amounted to a rejection, but it didn't raise the slightest doubt in his mind that he was good enough to become a professional footballer. He knew that he would prove the Watford coaches wrong.
So he sat down in the careers office and watched with a mixture of amusement and irritation as the woman on the other side of the desk earnestly assessed his four GCSEs, in English, PE, geography and German. He still doesn't know how he got German, incidentally. He can't speak a word.
"What do you want to do when you leave school, Ashley?"
"I wanna be a footballer."
As Young now recalls the exchange, there was a moment's silence while she stared at him. "Yes," she said, eventually, "but what if that doesn't work?"
"It's gonna work," he said flatly. "There's nothing else I wanna do."
A sigh. "But you've got to be realistic, Ashley. There must be something else that appeals to you?"
"There isn't. I just wanna play football." If Young's life were ever to be dramatised for the screen, that encounter with the school careers officer would dissolve into an episode six years later, on a Friday morning at the end of August 2007: a six-series BMW is whizzing along a dual carriageway between the West Midlands town of Stourbridge and the Aston Villa training ground just outside Sutton Coldfield. Young is at the wheel, when his mobile starts ringing. He pulls over.
"Hello, is that Ashley?"
"Ashley, it's Steve McClaren."
"Are you sure?"
It still embarrasses Young that he asked the caller whether he was sure that he was Steve McClaren. Still, the then England manager took it in his stride. "Yeah, yeah, it's Steve McClaren. Look, you've been doing really well, and my squad's announced at 12 today but I like to tell players beforehand if they're going to be involved. So congratulations. There'll be someone in touch soon to deal with the details."
The BMW stayed in the lay-by for another 20 minutes, while Young phoned his father, and then his mother, and listened to their laughter and tears. He had already played for the Under-21s but they knew that the summons to play for the senior England team was the culmination of dreams he'd had since he was little more than a toddler. Eventually, he floated to the training ground, in so far as a BMW can float, "and I had a big smile on my face, but I didn't say nothing to anyone. Then the manager come to me because England have to send a fax to the club. He was really pleased for me."
For himself too, no doubt. Martin O'Neill had paid almost £10m for Young, which at the time – January 2007 – was considered a questionable bit of business. Not any more. Young, one of only two players from outside the "Big Four" clubs to feature in last year's PFA Premier League team of the season (the other was Portsmouth's David James), has been flying again this season, his jiggery-pokery on the left wing one of the reasons why Villa sit so close to the top of the Premier League. Which is why the same eyebrows which were raised when O'Neill paid Watford so much money for him, shot up again when Capello overlooked him in the squad for the World Cup qualifiers against Andorra and Croatia.
"Yeah, I was a little bit disappointed," Young says. It is surely an understatement. How did he find out that he wasn't about to add to his three England caps? "I got a phone call." From Capello? "From the person who deals with all the details, I don't want to say who. Anyway, the thing is to get on with my club football. If I do well for my club, I will get recognition."
Yesterday, that recognition seemed certain to come. Rejection has always stiffened Young's resolve to succeed, and indeed within a year of turning him down for a scholarship Watford were offering him professional terms. I'm sure, I say, that the careers adviser was delighted for him. "Yeah," he says, looking unconvinced.
We are sitting in a press-conference room at the Villa training-ground, which is practically within earshot of The Belfry, where Europe's best golfers are, on the day we meet, competing in the British Masters for a prize fund of £1.8m.
There are reminders everywhere in this leafy corner of the West Midlands that sporting excellence gets fantastic remuneration, not least in the jewelled accessories worn by the 23-year-old man in front of me. Young is wearing a huge Franck Muller watch that must have set him back the cost of a large family saloon – "It was a birthday present to myself," he tells me – and a diamond earring in each ear. He also tells me that he is building a property portfolio – "Abroad, up north and down south," which pretty much covers the spectrum – to sustain him when his footballing career is over.
Yet the extraordinary thing is that Young is not the most successful sportsman from his year at John Henry Newman School: that distinction belongs to a young man almost exactly six months older, Lewis Hamilton.
For some reason, and as other interviewers have found, Young turns instantly sullen, almost hostile, when Hamilton's name comes up. Lewis played alongside you in the school football team? "Yeah." Was he a decent player? "He was OK." You didn't care for him much, did you (a wild guess on my part, in the hope it might generate a little more animation)? "Erm, I tend not to talk about it. He's doing what he's doing, I'm doing what I'm doing."
We move on. I ask him about his upbringing. "I had three brothers, one older, two younger. My dad worked in the IT industry, although I haven't got a clue what he did. He always tells me but it just goes over my head. He's Jamaican-born – we still have some family out there – and my mum is English. They still travel up and down the country, trying to get to games. They've always backed us 100 per cent in whatever we've wanted to do."
Football is what he wanted to do from the time he joined Stevenage Colts, as a five-year-old. "Everything that moved, I was kicking it. You can ask my mum and dad. A stone, a can, whatever." A brother? He laughs, obligingly. My temerity in raising Hamilton's name has been forgiven, if not forgotten. "Yeah, I used to kick my younger brother around the house."
Following his older brother's lead, he became a devoted Arsenal fan. "My dad supported Tottenham, but my hero, my role model on and off the pitch, was Ian Wright. I was a centre-forward too. There was one season I scored 64 goals. I once scored eight in one game. It was a five-a-side competition and we had to win 13-0." A chuckle. "We won it 14-0."
I ask whether he still considers himself, deep down, an Arsenal fan? "No, you drop that as soon as you turn pro. They're just another team. Although the away grounds I enjoy playing at most are the Emirates and Old Trafford." It is the latter where he normally faces the bigger challenge. "Wes Brown is the defender who gives me most trouble," he concedes. "I played against him twice in the league and the Carling Cup as well last season, and I didn't get no change out of him. His reading of the game is excellent and he likes to get forward as well, so I have to track back unless I can pass him over to the left back, and as a winger you don't want to be going that way."
It was Young's attacking instincts as a 10-year-old, playing for the Stevenage district team, that alerted the Watford scouts. He made his first-team debut eight years later, during Ray Lewington's tenure as manager, coming on as a substitute against Millwall and promptly scoring.
But it was Aidy Boothroyd, in the 2005-06 season, who first recognised what the club had in Young. The youngster started 41 matches on the way to promotion to the Premier League, and scored 15 goals, although he made an even bigger impact with his assists, among them the corner which led to the opening goal in the play-off final, when Watford thumped Leeds United 3-0.
"Aidy gave me licence to just go out there and play," Young says. "He had similar man-management skills to Martin O'Neill. They both know how to treat players. They give you confidence." Neither Boothroyd nor Young, however, could keep Watford in the top tier the following season. So it was not quite as a proven Premier League performer that he arrived at Villa, and of course it was a huge step up in terms of the size of the club. I want to know how a lad of 21 deals with such a move, and whether the fee felt like a burden.
"No, the fee was only an issue for the press. But yeah, this is a much bigger club, and the people behind the scenes were fantastic. I was in a hotel for literally two days and then I moved into an apartment while I looked for a permanent place." While he looked, or while someone looked on his behalf?
"No, yeah, well, it was the welfare officer at the club, Lorna. Any of the boys will tell you, she's brilliant. You tell her where you want to live and she'll find you all the good areas. She came back after a couple of days with a few apartments for me to look at."
It also helps, I suppose, that the manager has such avuncular qualities. O'Neill, says Young, "gets the best out of all his players by just having a quiet word here and there. He gives us freedom, and for me as a winger that's a dream. But you don't ever step out of line with him."
Has Young, one of the livelier personalities in the dressing room, ever been on the receiving end of an O'Neill bollocking? "Touch wood, no. I've seen them, though. But even when we lost at home to QPR [in the Carling Cup 12 days ago] he didn't shout. He's calm most of the time." And what, among the manager and players, is the realistic ambition at Villa this term? "To finish higher than we did last season [which was sixth]. Though if you offered me fourth I'd probably bite your hand off."
I'm sure. And just think, Champions League football for Ashley Young and a world championship for Lewis Hamilton: what a double that would be for John Henry Newman School, Stevenage. Sensibly, I keep the thought firmly to myself.
Ashley Young by Numbers
15 goals Scored by Young for Aston Villa in 63 games following his move from Watford in January 2007.
25 assists Young has contributed during his time with the Villains.
3 England caps Young made his debut as a substitute in the win against Austria last November, his other two games also ending in victories.
£9.65 m Cost of the midfielder when Martin O'Neill brought him to Villa Park from Vicarage Road last year.
2 brothers Number of Young's siblings currently enrolled in the Watford Academy system, Lewis and Kyle.
- More about:
- Ashley Young
- Fabio Capello
- Steve McClaren
- Watford Fc


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Short-Term, Still Oversold
By Paul Cherney
In the short-term, measures are in place that can precede a bounce.
I still think the markets have the tendency to drift lower to test the supports starting at S&P 500 1206 and Nasdaq 2106. But with Friday's end of day data, the markets are short-term oversold on several measures and a small rebound in prices is likely. This creates the possibility for some sideways with a positive bias for a couple of more trade days. Obviously, a drop in oil prices would increase the potential for short-term gains.
Both the Nasdaq and the S&P 500 have already had closes below price levels that suggest to me weaker prices for a test of supports S&P 500 1206-1183 and Nasdaq 2106-2076 and unless I see a close in the S&P 500 over 1239 (changed since yesterday) or a close in the Nasdaq over 2175 (changed since yesterday), I will expect some sort of a drift lower. The supports mentioned are not that far from current prices.
Right now, we are in the summer doldrums when thin volume can see flat trade or volatile trade. At this time I do not think that there can be a big downdraft unless there is a headline of undeniably bearish importance. I do not think that a drop to 1206 or slightly lower for the S&P 500 or 2106 for the Nasdaq constitutes a "big drop."
I had expected a little more on the upside after the oversold readings generated by Friday's markets.
Sixty-minute measures are neutral, while dailies are slightly oversold. I would have to guess a little lift tomorrow even though I still expect that prices will have to migrate, drift slowly lower to test Nasdaq 2106 and S&P 500 1206 and lower.
Wednesday's Reports:
• At 8:30 a.m., July Durable Goods orders. The Street expects -1.2%, June was +2.8% • At 10:00 a.m., New Home Sales for July. The Street expects 1.325 million annualized rate, June was 1.374 million. • At 10:30 a.m., oil inventory reports. In my view of the crude oil futures chart, there is not great confidence in higher prices being expressed by the chart action, but it is the reaction to the inventory numbers that will dictate trade.
Immediate Resistances:
• Nasdaq immediate intraday resistance is a shelf 2139-2145.71, stacked at 2146.49-2157.98 (focus 2151-2158). Then 2165-2185.91, resistance gets thick 2177.85 and higher. Anytime immediate resistances are exceeded, they convert to supports until proven otherwise. • S&P 500 intraday resistance is a shelf 1222.50-1225.08, there is another shelf of resistance 1222.64-1227.61. Focus of resistance generated by overlapping ranges is 1222.64-1225.08. Resistance is stacked and formidable at 1229-1239.76. A combination of several intraday plateaus creates a focus of resistance at 1238-1242.62, but resistance runs all the way 1245.81. The next focus of resistance above 1245 is 1249.23-1267.
Immediate Supports:
• Nasdaq immediate intraday support is 2135.69-2122.86. The next well-defined layer of support is 2106-2039 with a focus of support 2106-2076 (very strong and should hold if tested).
• The S&P 500 has immediate intraday support in the form of a thin shelf 1219-1215. This was undercut in Tuesday's session, but buyers lifted prices. New shelf of support is 1219-1214..44. The next meaningful support for the S&P 500 is 1206-1165 with a focus of support 1206-1183 (very strong and should hold if tested).
Disclaimer: Use of the information provided by Cherney Market Analysis, Inc., is subject to the Terms of Use contained on its website, paulcherney.com.
Cherney is president of Cherney Market Analysis